Repatriation 15CA/15CB
The full repatriation service — certificates, FEMA paperwork and bank coordination.
Learn more →NRO → NRE · Repatriation · USD 1M / year
Move your money from NRO to NRE — and out of India.
Funds in your NRO account are effectively trapped in India until you move them — and the rules trip up most NRIs. We handle the USD 1 million annual limit, the 15CA/15CB filing and the FEMA paperwork, so your money reaches your NRE account and your bank abroad cleanly.
USD 1M per year, per NRI15CA/15CB filed for youFEMA fully compliant
✓ Licensed CAs, CPAs & ACAs ✓ Fixed fees, shown before you commit ✓ Your money never touches NRI360 ✓ One RM end to end, in your timezone
The problem
Why NRO money gets stuck
Your NRO account holds your India income — rent, dividends, a pension, the proceeds of a property sale. Unlike an NRE account (which is freely repatriable), money in an NRO account can't simply be sent abroad. To free it, you move it NRO → NRE, and that transfer is what unlocks repatriation.
Two things catch people out. First, there's a ceiling: you can repatriate up to USD 1 million per financial year from your NRO balances. Second, your bank won't release the funds without Form 15CA and a CA's Form 15CB certifying that the right tax has been paid — and it will not advise you on getting that right.
Get the sequence wrong and the transfer bounces; remit without the right tax position and you invite a query later. We handle the computation, the forms and the bank coordination so it clears the first time. Not sure how much you can move? Check our free repatriation eligibility tool.
Free review of your funds
We check the source of your NRO money, confirm it's eligible to repatriate, and tell you what tax (if any) is due before the transfer.
Tax computation & clearance
We make sure the underlying income is correctly taxed — so the remittance is clean and defensible.
File 15CA & 15CB
A Chartered Accountant issues Form 15CB and we file Form 15CA — the certificates your bank needs to release the funds.
Bank coordination
We hand the bank a complete, correct package so the NRO → NRE transfer and onward remittance go through without back-and-forth.
Stay within the limit
We track your transfers against the USD 1 million annual ceiling and plan across financial years if your balance is larger.
Key things to know
NRO to NRE transfer — the essentials
The rules that decide whether your money moves cleanly, or gets stuck.
NRE is repatriable, NRO is not
The whole point of the transfer is that an NRE balance can be sent abroad freely, while an NRO balance cannot. Moving NRO → NRE is how your India income becomes money you can actually use overseas.
The USD 1 million-a-year limit
You can repatriate up to USD 1 million per financial year from your NRO funds, cumulatively across all your NRO accounts. Larger balances are planned across financial years. Money already in NRE or FCNR doesn't count against this.
15CA/15CB is mandatory
Your bank needs Form 15CA (your declaration) and, above the threshold, Form 15CB (a CA's certificate that tax is paid) before it releases the money. Below ₹5 lakh of remittance in a year, only Form 15CA Part A is needed.
Note: from 1 April 2026 these forms are being renamed 145/146 — the requirement is unchanged.
The transfer itself isn't taxed
Moving your own money NRO → NRE is not a taxable event. What matters is that the underlying income — rent, gains, interest — was correctly taxed. We make sure it was, so the remittance stands up.
Some money needs extra care
Proceeds from inherited property or gifts, and certain capital-account items, carry their own documentation and sometimes need specific approvals. We flag these up front so nothing stalls at the bank.
Knowledge
Related guides
Related
Other things we handle for NRIs
NRI tax filing (ITR)
Make sure the income behind your transfer is correctly taxed and reconciled.
Learn more →Sell property in India
Selling and need to bring the proceeds home? We handle sale through to repatriation.
Learn more →Questions
NRO to NRE transfer questions, answered
Can I transfer money from my NRO to my NRE account?
Yes. You can move funds from NRO to NRE within the USD 1 million per financial year repatriation limit, provided the applicable tax has been paid and you file Form 15CA/15CB. We handle the computation, certificates and bank coordination.
How much can I repatriate from my NRO account?
Up to USD 1 million per financial year, cumulatively across all your NRO accounts — covering rent, dividends, pension and property-sale proceeds. If your balance is larger, it's repatriated over multiple financial years.
Do I need 15CA and 15CB for an NRO to NRE transfer?
Almost always, yes. Form 15CA is your declaration; Form 15CB is a Chartered Accountant's certificate confirming the tax position. Below ₹5 lakh of remittance in a year, only Form 15CA Part A is required. From 1 April 2026 these forms are renamed 145/146, but the process is the same.
Is the NRO to NRE transfer taxable?
The transfer itself is not a taxable event — it's your own money moving between your accounts. What's taxed is the underlying income (rent, capital gains, interest) before it reaches your NRO account. We make sure that's correct so the remittance is clean.
What documents do I need?
Typically proof of the source of funds, evidence that tax has been paid, your PAN, and the bank's remittance forms, alongside 15CA/15CB. For property or inheritance proceeds, additional documents (sale deed, will or succession papers) apply. We prepare the full package.
Can I repatriate proceeds from selling inherited property?
Yes, within the USD 1 million limit — but inherited-property proceeds carry extra documentation and sometimes need specific approvals. We assess your case and handle the paperwork; see also our property sale service.
Start free
Get your NRO money moving — free review.
Tell us what's sitting in your NRO account. We'll confirm what's repatriable, what tax applies, and the cleanest way to get it to your NRE account and abroad.
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