Service

Repatriation, without friction.

USD 1 million annual limit is yours. But most NRIs lose weeks to bank queries, wrong TDS, and rejected Form 146 certificates. We run full repatriation file end-to-end so funds land overseas in days, not months.

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?Quick Answer

Can I move my Indian funds abroad?

Yes. NRIs can repatriate up to USD 1 million per financial year from NRO accounts (property sale, inheritance), plus current income such as rent and dividends and unlimited amounts from NRE / FCNR balances. Process needs Form 145, CA-certified Form 146, a Lower TDS certificate where applicable, and bank coordination, all of which we handle.

Annual NRO Limit
USD 1 M
NRE / FCNR
Unlimited
Turnaround
5–7 days
Key Facts at a Glance
Governing lawFEMA, 1999 + Section 393(2), Income-tax Act 2025
NRO annual ceilingUSD 1 million per FY
Form 146 thresholdRemittance > ₹5 lakh
Property LTCG TDS12.5% + surcharge and cess (holding > 24 months)
Lower TDS formForm 128 to AO
Authorised dealerAny AD-I bank
What we handle

From sale deed to SWIFT - handled.

Whether it's a Mumbai flat sale, an inherited Bengaluru plot, or accumulated NRO rent, process is same: get tax right, get certificates right, and don't let bank stall file. We do all three.

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01
Eligibility & Tax Review

We verify FEMA eligibility, calculate capital gains, and identify DTAA benefits to minimise TDS before any forms are filed.

02
Lower TDS Certificate (Form 128)

For property sales, we file Form 128 with Assessing Officer to bring TDS down from 12.5%/30% (plus surcharge and cess) on full sale value to your actual tax liability, saving lakhs in blocked funds.

03
Source-of-Funds Documentation

Sale deed, inheritance proof, ITR history, NRO statements: packaged in exact format your bank's compliance team accepts.

04
Form 145/146 Issuance

CA-certified Form 146 and online Form 145 filing on income tax portal, usually within 48 hours of receiving documents.

05
Bank Coordination & A2 Filing

We submit file to your AD bank, respond to compliance queries, and chase SWIFT settlement daily until funds are credited overseas.

06
Post-Remittance Compliance

Reconciliation, FIRC collection, and updating your India tax records. So same flow is even faster next year.

Compliance Calendar

Key checkpoints. Miss none.

Statutory · India
Day 0Kickoff
Documents received and eligibility confirmed
Day 1–10Tax
Form 128 filed for Lower TDS Certificate (if property sale)
Day 11–25Tax
Lower TDS Certificate received from AO
Day 26FEMA
Form 146 issued and Form 145 filed online
Day 27–30Bank
Bank A2 submission and SWIFT remittance settled
Day 31Wrap-up
FIRC collected and reconciliation closed
What to keep ready

Documents we'll ask for.

A clean document set cuts our turnaround in half. Send what you have. We'll request anything outstanding in a single consolidated checklist.

✓
PAN & passport copy
Indian PAN plus current country passport with visa/OCI stamp.
✓
NRO account statement
Last 12 months from source account.
✓
Sale deed / inheritance proof
Registered sale deed, will, succession or legal heir certificate.
✓
Source-of-funds trail
Original purchase deed, payment receipts, prior remittance proofs.
✓
Last 3 ITR acknowledgments
To evidence tax compliance on source asset.
✓
Tenant TDS certificates (Form 16A)
For rent income being remitted.
✓
Bank A2 form
We pre-fill it; you sign before submission to AD bank.
✓
DTAA documents
TRC and Form 10F where treaty benefit reduces TDS.

Funds stuck in NRO?

Send us your case: sale deed or asset detail. We will give you a fixed-fee quote, an exact tax outflow, and a 30-day timeline to your overseas account.

Schedule a call
Frequently Asked Questions

Answered by CAs.

How much money can I repatriate from India in a year?+
Up to USD 1 million per financial year from your NRO account under FEMA repatriation rules. NRE and FCNR balances are fully repatriable without any cap. Sale proceeds of inherited property also fall within same USD 1M ceiling. Current income such as rent, dividend and interest is remitted separately, after tax, and does not count against it.
What is Form 145 / 146 (earlier 15CA / 15CB) process?+
Form 145 (earlier Form 15CA) is remitter's online declaration, needed for any taxable remittance. Where taxable amount exceeds ₹5 lakh in a tax year, it must be backed by a CA's certificate in Form 146 (earlier Form 15CB) or a lower deduction certificate from tax officer. Both are completed before bank initiates SWIFT transfer.
Is sale proceeds of property repatriable?+
Yes, subject to conditions. If property was bought in foreign exchange or out of NRE/FCNR funds, amount originally paid in foreign exchange can be repatriated outside USD 1M limit; for residential property, this applies to no more than two properties. Any balance, and property bought out of rupee funds, goes through USD 1M annual limit.
Can I repatriate inherited assets?+
Yes. Sale proceeds of inherited assets (property, shares, deposits) can be remitted abroad up to USD 1 million per financial year, against documentary evidence of inheritance (will, succession certificate, legal heir certificate) and a CA-certified Form 146 confirming tax compliance.
What documents are needed for repatriation?+
PAN, NRO account statement, sale deed / inheritance proof, source-of-funds documentation, latest ITR acknowledgments, Form 145/146, and an A2 declaration to bank. We prepare full kit and coordinate directly with your bank.
How is TDS calculated on property sale by an NRI?+
TDS on sale of immovable property by an NRI is deducted by buyer under Section 393(2) of Income-tax Act, 2025 (earlier Section 195), on full sale value: 12.5% on long-term capital gains (holding more than 24 months, transfers on or after 23 July 2024) or 30% on short-term gains, plus surcharge and 4% cess. We apply in Form 128 (earlier Form 13) for a lower deduction certificate, which authorises TDS at a lower rate based on your actual tax liability.
Can I repatriate gift money received in India?+
Yes, gifts received from a resident relative (as defined in Income-tax Act) can be deposited in NRO and remitted abroad within USD 1M limit. Non-relative gifts above ₹50,000 are taxable as income. We structure receipt and filing to minimise tax leakage.
What is an A2 form?+
Form A2 is application banks use for outward remittances. RBI makes it mandatory for residents remitting under Liberalised Remittance Scheme. For NRO repatriation, RBI requires tax information in Forms 145 and 146; your bank may also ask for Form A2 or its own remittance application. We prepare whichever your bank needs.
How long does repatriation process take?+
For funds already in your NRO account, with complete documents, remittance itself typically completes in a few working days. Where a property sale first needs a lower deduction certificate, allow about a month, as in timeline below. We track file daily until funds reach your overseas account.
Related Services

Often combined with this service

NRI Taxation & ITR

File an ITR to support your repatriation request.

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FEMA & RBI Compliance

Keep all India accounts and investments fully FEMA-compliant.

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DTAA Advisory

Reduce TDS on rent, capital gains, and dividends through treaties.

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