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Service

Repatriation, without friction.

The USD 1 million annual limit is yours — but most NRIs lose weeks to bank queries, wrong TDS, and rejected 15CB forms. We run the 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, rent, dividends) and unlimited amounts from NRE / FCNR balances. The process needs Form 15CA, CA-certified Form 15CB, 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 + Sec 195 IT Act
NRO annual ceilingUSD 1 million per FY
Form 15CB thresholdRemittance > ₹5 lakh
Property LTCG TDS20% (holding > 24 months)
Lower TDS formForm 13 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, the process is the same: get the tax right, get the certificates right, and don't let the bank stall the 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 13)

For property sales, we file Form 13 with the Assessing Officer to bring TDS down from 20%/30% on gross 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 the exact format your bank's compliance team accepts.

04
Form 15CA & 15CB Issuance

CA-certified Form 15CB and online Form 15CA filing on the income tax portal — usually within 24 hours of receiving documents.

05
Bank Coordination & A2 Filing

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

06
Post-Remittance Compliance

Reconciliation, FIRC collection, and updating your India tax records — so the 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 13 filed for Lower TDS Certificate (if property sale)
Day 11–25Tax
Lower TDS Certificate received from AO
Day 26FEMA
Form 15CB issued and Form 15CA 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 the rest 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 the 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 the source asset.
Tenant TDS certificates (Form 16A)
For rent income being remitted.
Bank A2 form
We pre-fill it; you sign before submission to the 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.

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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 the FEMA repatriation rules. NRE and FCNR balances are fully repatriable without any cap. Sale proceeds of inherited property and current income (rent, dividend, interest) can also be remitted within the same USD 1M ceiling.
What is the Form 15CA / 15CB process?+
Form 15CA is a self-declaration filed online by the remitter; Form 15CB is a CA certificate confirming the nature of the remittance and that applicable tax has been deducted. Both are mandatory for most foreign remittances above ₹5 lakh and must be filed before the bank initiates the SWIFT transfer.
Is sale proceeds of property repatriable?+
Yes, subject to conditions. For residential or commercial property, sale proceeds of up to two properties can be repatriated, provided the property was acquired in foreign exchange or out of NRE/FCNR funds. Property acquired out of rupee resources is repatriable only within the 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 15CB 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 15CA & 15CB, and an A2 declaration to the bank. We prepare the 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 the buyer under Section 195 — 20% on long-term capital gains (LTCG, holding > 24 months) or 30% on short-term gains. We file Form 13 for a Lower Deduction Certificate to reduce TDS to your actual tax liability.
Can I repatriate gift money received in India?+
Yes, gifts received from a resident relative (as defined in the Income-tax Act) can be deposited in NRO and remitted abroad within the USD 1M limit. Non-relative gifts above ₹50,000 are taxable as income. We structure the receipt and filing to minimise tax leakage.
What is an A2 form?+
Form A2 is a declaration submitted to the authorised dealer (bank) describing the purpose of foreign remittance, the LRS / NRO scheme being used, and confirmation that the transaction is FEMA-compliant. Without a signed A2 the bank cannot release foreign exchange.
How long does the repatriation process take?+
With complete documentation, end-to-end repatriation typically completes in 5–7 working days — including Form 13 (where needed), 15CA/CB issuance, bank verification, and SWIFT settlement. We track the file daily until funds hit your overseas account.
Related Services

Often combined with this service

NRI Taxation & ITR

File the ITR that backs every repatriation request.

Learn more →
FEMA & RBI Compliance

Keep all India accounts and investments fully FEMA-compliant.

Learn more →
DTAA Advisory

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

Learn more →
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