How much can an NRI repatriate from India?

Funds in an NRE or FCNR account are freely repatriable with no limit. From an NRO account, you can repatriate up to USD 1 million per financial year (roughly 8.3 crore) after tax is paid, using Form 15CA/15CB. Current income such as rent, interest, dividends and pension is repatriable after tax and is not restricted by the USD 1 million cap.

Do I need 15CA and 15CB to repatriate?

For remittances from an NRO account, yes. Form 15CA is your declaration; Form 15CB is a chartered accountant's certificate that tax has been paid. Below 5 lakh of remittance in a year, only Form 15CA Part A is required. NRE and FCNR transfers generally do not need these forms.

Can I repatriate proceeds from selling inherited property?

Generally yes, within the USD 1 million per year limit, with documentation of the inheritance and source of funds. Some cases — such as inherited agricultural land, or inheritance from a person who was a foreign national — can need specific RBI approval.

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How much can you send abroad?

What you can repatriate from India — and what the bank will ask for — depends on where the money is and what it came from. Tell us the source and we'll show you where you stand.

The rules, briefly

What decides your limit

NRE & FCNR — freely repatriable

Money in an NRE or FCNR account (principal and interest) can be sent abroad without limit and generally without 15CA/15CB. These accounts are designed to be repatriable.

NRO — the USD 1 million window

From an NRO account you can repatriate up to USD 1 million per financial year (about ₹8.3 crore) after tax, with 15CA/15CB. Current income — rent, interest, dividends, pension — is repatriable after tax and isn't restricted by that cap.

Property & inheritance

Sale proceeds and inherited funds go out within the USD 1 million window (property bought in foreign currency has its own repatriation route for up to two homes). Inheritance needs documentation, and some cases need RBI approval.

15CA / 15CB & tax

For NRO remittances the bank needs Form 15CA and, above ₹5 lakh a year, a CA's Form 15CB. Tax on the underlying income must be settled first. (From 1 April 2026 these forms are renamed 145/146 — the process is the same.)

Questions

Repatriation, answered

How much can I repatriate from my NRO account?

Up to USD 1 million per financial year (about ₹8.3 crore), cumulatively across your NRO accounts, after tax and with 15CA/15CB. Larger balances are phased across years. NRO to NRE transfer is how it's done.

Is money in my NRE account restricted?

No — NRE and FCNR balances are freely repatriable, principal and interest, with no USD 1 million cap and generally no 15CA/15CB.

Does current income count against the USD 1 million limit?

No. Current income — rent, interest, dividends, pension — is repatriable after tax and sits outside the USD 1 million cap, which applies to capital balances and sale proceeds.

What about selling inherited property?

Generally repatriable within the USD 1 million window with proof of inheritance and source. Some cases — inherited agricultural land, or inheritance from a foreign national — can need specific RBI approval, which we handle. See our repatriation service.

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