Repatriation
Repatriating money from India: the right route for sale proceeds, rent and savings
Reviewed October 2026 by Sumit Kumar, Chartered Accountant
Money in an NRO account can generally leave India only within set limits and with the right certificates. NRE money moves more freely. The route you use, and the paperwork behind it, decides how fast the transfer clears and whether the bank asks questions later.
Prefer a set time? Book a consultation · Mon–Sat, 10am–7pm IST
Who this is for
Is this your situation?
- You have sale proceeds, inheritance, rent or savings in India you want to send abroad.
- Your bank has asked for documents you are not sure how to prepare.
- You are unsure whether the money sits in the right type of account.
Common mistakes
Where people go wrong
- Mixing funds between NRE and NRO and losing the easy repatriation route.
- Skipping the tax certification. Banks need the accountant's certificate before they remit.
- Sending in several small transfers that raise questions instead of one documented transfer.
What we handle
What we take off your plate
One accountant who is also a registered migration agent, so your tax, your residency and your move are looked at together.
- 01
Source-of-funds review
We trace where the money came from and which rules apply.
- 02
Form 15CA and 15CB
Prepared, certified and filed so the bank can release the funds.
- 03
Bank liaison
Clear documents in the form your bank expects.
- 04
Tax checks
Making sure tax is paid on the income before it leaves.
How it works
What happens, step by step
Everything is done online, so where you live makes no difference. We work with clients across many countries.
Step 1
Identify the funds
What the money is, where it sits and what limits apply.
Step 2
Settle the tax
Any tax due on the income is computed and paid.
Step 3
Certify and file
Form 15CA and 15CB prepared and filed.
Step 4
Remit
Your bank processes the transfer with the documents in order.
Documents
What to have ready
Not everything is needed on day one. Send what you have and we will tell you what is missing.
- Account statements and source documents
- Sale deed, inheritance papers or rent records
- PAN, passport and overseas address
- Tax computation and challans
Why a Chartered Accountant who is also a migration agent
Tax residency and immigration status affect each other. A move, a visa or a return date can change what India taxes. Sumit Kumar is a Chartered Accountant and a Registered Migration Agent (MARN 1803385) who has lived as a migrant himself, so both sides are considered in one conversation.
Enquiry
Tell us where you stand
Where you live, what you own in India and what you want to achieve. That is enough to begin.
Prefer a set time? Book a consultation · Mon–Sat, 10am–7pm IST
FAQs
Questions we get asked
Is there a limit on how much I can send?
Do I need a Chartered Accountant for this?
Can I send inheritance money abroad?
How long does it take?
Get a clear view of your position
Send your situation and we will tell you where you stand, what is due and what it will cost, before you commit.