NRI Repatriation Guide: How to Move Money from India
Repatriating money from India is a common need for NRIs who have accumulated funds through rental income, investments, or property sales. The rules differ significantly depending on whether the source is an NRE account (fully free) or an NRO account (regulated). Here's the complete guide.
NRE account: no limits
NRE account balances (including interest) are fully and freely repatriable — there is no annual limit and no RBI permission required. Simply instruct your bank to wire the amount to your overseas account. The bank will process it as a standard outward remittance.
NRO account: $1 million per year limit
NRO account funds (India-sourced income) can be repatriated up to $1 million per financial year (or the equivalent in other currencies). Requirements: a CA certificate in Form 15CB confirming taxes have been paid, Form 15CA filed online on the income tax portal, and submission of both to your bank along with the remittance request.
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