Repatriation of Assets
Moving sale proceeds, inherited assets, and investment income from India to your country of residence, in line with Foreign Exchange Management Act (FEMA) rules.
Non-Resident Indians (NRIs) can repatriate funds held in a Non-Resident Ordinary (NRO) account up to USD 1 million per financial year, subject to payment of applicable tax and submission of a Chartered Accountant's certificate in Form 15CB along with the online declaration in Form 15CA. Funds in Non-Resident External (NRE) and Foreign Currency Non-Resident (FCNR) accounts are freely repatriable. Correct account classification and documentation at the time of the original investment make later repatriation significantly smoother.
What repatriation of assets involves
Repatriation is rarely just a bank transfer — it requires tax clearance, correct account routing, and RBI-compliant documentation.
- Classifying funds correctly across NRE, NRO and FCNR accounts
- Computing and paying applicable capital gains or income tax
- Obtaining a Chartered Accountant's certificate (Form 15CB)
- Filing the online remittance declaration (Form 15CA)
- Coordinating with the authorised dealer bank for outward remittance
- Advising on the annual USD 1 million repatriation limit under FEMA
What this service includes
How we help you move funds out of India smoothly and compliantly.
Tax Computation
Working out capital gains, TDS credits, and net repatriable amount before remittance.
Form 15CA/15CB Filing
Preparing the Chartered Accountant certificate and online declaration required by banks.
Bank Coordination
Liaising with your authorised dealer bank to process the outward remittance without delays.
NRO to NRE Transfer
Structuring transfers between account types within FEMA's permitted limits.
Our process
From initial consultation to completion.
Fund & Source Review
Identifying the source of funds — sale proceeds, inheritance, rental income, or maturity proceeds — since each has different repatriation rules.
Tax Computation
Calculating tax liability, including capital gains and any TDS already deducted, to arrive at the net repatriable amount.
Certification & Filing
Preparing Form 15CB and filing Form 15CA before submission to the bank.
Remittance Execution
Coordinating with the bank to complete the transfer within the applicable USD 1 million annual limit.
Why repatriation needs careful planning
What sets our approach apart.
Account type determines the rules
NRE and FCNR balances are freely repatriable, while NRO funds are capped and require certification — getting this classification right avoids delays.
Documentation gaps cause rejections
Banks routinely reject remittance requests for incomplete Form 15CA/15CB paperwork or missing source-of-funds evidence.
Annual limits need planning
Large repatriations may need to be sequenced across financial years to stay within the USD 1 million limit.
Repatriation questions answered
What people ask before engaging us.
Ready to repatriate your funds from India?
Let our team handle the tax computation, certification and bank coordination end to end.
