NRI repatriation from India! Get money abroad with expert support

For most cases, NRE and FCNR(B) are simpler because they are repatriable accounts. NRO is used for Indian-source income and legitimate dues, but larger non-current-income remittances are generally subject to the USD 1 million per financial year ceiling.

It depends on the partner route you choose. For the RBL Bank route, opening a new NRI account may be required. For the Muthoot Fincorp / IDFC FIRST Bank route, full account opening is not required, but customer profile/CIF creation is needed.

Not necessarily, but mostly yes. Most NRIs pay their bank around IBR + ₹2–3 per USD, where our IBR + ₹1 saves real money. But some priority-banking customers get better rates from their bank than what we provide. If that's you, we may not beat it. Send us the exchange rate numbers you are getting, and we'll tell you straight away.

Current income from an NRO account is generally remittable after applicable tax compliance and documentation. Other eligible NRO balances and assets can usually be repatriated up to USD 1 million per financial year. Amounts above this may require prior RBI approval.

Yes. RBI permits transfer of funds from NRO to NRE within the USD 1 million facility, subject to the applicable conditions and documentation.

Yes. RBI explicitly treats rent, pension, dividend and interest as current income. These can be remitted abroad from NRO, and RBI also allows such current income to be credited to NRE when tax conditions are satisfied.

Often yes, but the route depends on the property type and acquisition history. RBI’s standard property-sale route applies to immovable property other than agricultural land, farmhouse or plantation property, subject to FEMA conditions. For residential property, that route is limited to not more than two such properties.

This needs careful review. If the land is agricultural land, or the case involves farmhouse or plantation property, the standard repatriation route does not apply. Other immovable-property cases may qualify depending on the FEMA conditions and documentation.

First of all both these forms have now been renamed to Form 145 and Form 146 respectively under the new Income Tax Act, 2025 and Income Tax Rules, 2026. Form 15CA and Form 15CB are tax-related documents that banks may ask for before allowing money to be sent abroad from an NRO account. In simple terms, these forms help the bank check whether tax has to be paid on the money before it is transferred overseas. Form 15CA is an online declaration submitted by the customer on the income tax portal. Through this form, the customer declares details of the money being sent abroad, such as the amount, purpose of transfer, recipient details, source of funds, and whether any tax has been paid or is payable in India. Form 15CB is a certificate issued by a Chartered Accountant after checking the nature of the funds, applicable tax rules, and whether any tax needs to be deducted before allowing the money to be sent abroad. For many NRO repatriation cases, especially where the money comes from rent, property sale, pension, inheritance, or other India-based income/assets, the bank may ask for these forms before processing the transfer.

No. Many remittances are handled by authorised dealers under the existing FEMA framework. RBI approval is typically needed when the remittance exceeds USD 1 million per financial year in covered categories, or when the case falls outside the standard permitted routes.

No. RBI’s Liberalised Remittance Scheme (LRS) is the USD 250,000 framework for resident individuals. NRI repatriation operates under different FEMA and account-specific rules.

No. If you are an NRI, your resident savings account must first be regularised as per banking and FEMA rules, usually by converting it to an NRO account or closing it as advised by your bank. After that, eligible repatriation can be processed.

If new account opening or CIF/profile creation is required, the process can take around one month. The timeline depends on document readiness, bank verification, compliance checks, and how quickly any additional document requests are completed by the customer.