NRI Repatriation Limit Checker
Find out how much you can transfer abroad this financial year — NRE & FCNR are free, NRO / property / inheritance run under the USD 1 million limit.
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Fill in the details — the answer on the right updates as you go.
Repatriation working
USD 1,000,000 per financial yearGet Form 15CA/CB filed & funds repatriated by a CA
We certify your remittance, handle the AD bank paperwork and keep you FEMA-compliant.
Disclaimer: Indicative guidance under FEMA and RBI's USD 1 million scheme for NRIs/PIOs. Actual eligibility depends on documentation, tax clearance and your AD bank. Not legal or tax advice.
The USD 1 million scheme — at a glance
An NRI or PIO can remit up to USD 1 million per financial year out of balances in an NRO account, the proceeds from sale of immovable property in India, and assets received by way of inheritance. Money already held in an NRE or FCNR account is fully and freely repatriable with no such ceiling.
What is free vs what is capped
The source of the funds decides the rules. NRE and FCNR balances arise from foreign earnings already brought into India, so they leave freely. NRO balances and Indian-asset proceeds are rupee funds and fall under the annual USD 1 million ceiling.
| NRE account balance | Full |
| NRE interest | Full |
| FCNR deposit principal | Full |
| FCNR interest | Full |
| NRO account balance | $1M / FY |
| Sale of immovable property | $1M / FY |
| Inheritance / legacy / gift | $1M / FY |
| Sale of financial assets | $1M / FY |
How to repatriate — step by step
For any USD-1M-scheme remittance, the money moves through your Authorised Dealer (AD) bank after tax is settled and a chartered accountant certifies the transfer.
Pay the tax
Settle capital-gains / applicable tax on the underlying transaction and keep the challans and PAN ready.
Form 15CB
A CA certifies the nature of the remittance and that taxes are paid, in Form 15CB.
Form 15CA
You file Form 15CA online on the income-tax portal, referencing the 15CB certificate.
AD bank transfer
Submit 15CA/CB + A2 form to your AD bank, which processes the outward remittance abroad.
Key terms explained
NRE vs NRO account
An NRE account holds foreign income converted to rupees and is freely repatriable and tax-free. An NRO account holds India-sourced income (rent, dividends, sale proceeds); its balance is repatriable only within the USD 1 million per year limit.
FCNR deposit
A Foreign Currency Non-Resident term deposit held in foreign currency. Both principal and interest are freely repatriable with no ceiling and interest is exempt from Indian tax.
Form 15CA / 15CB
15CB is a chartered accountant's certificate on the taxability of a foreign remittance; 15CA is the online declaration filed by the remitter. Together they let the AD bank release funds abroad.
AD bank
An Authorised Dealer bank licensed by RBI to handle forex. All repatriations flow through your AD bank, which verifies documents and reports the transaction to RBI.
Questions people ask
Short answers on NRI Repatriation Limit Checker. Tap a question to open it.
01How much can an NRI repatriate from an NRO account?
Up to USD 1 million per financial year, out of balances in the NRO account including the sale proceeds of assets, subject to payment of applicable taxes and submission of Form 15CA and a chartered accountant's certificate in Form 15CB.
02Is money in an NRE account repatriable?
Yes, fully and freely — both principal and interest — without any limit and without the 15CA/15CB process, because the funds in an NRE account are by definition from foreign sources.
03Can the sale proceeds of inherited property be repatriated?
Yes, within the same USD 1 million annual limit from the NRO account, on production of the documents establishing the inheritance and evidence that taxes have been paid.
04What are Form 15CA and 15CB?
Form 15CA is the remitter's declaration filed on the income-tax portal before the remittance. Form 15CB is a chartered accountant's certificate on the taxability of the amount and the rate of tax applied, required above the prescribed threshold.
05Are there any limits on repatriating current income?
No. Current income such as rent, dividend, interest and pension is freely repatriable from an NRO account on production of a CA certificate, and does not consume the USD 1 million capital limit.
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Disclaimer: This tool gives indicative results for general guidance only and is not professional advice. Please verify with a qualified CA before acting on the numbers.