NRI Tax services
Repatriation of Funds Legal & Tax Compliant Transfers
Move money between India & abroad
without tax troubles or bank rejections
- Parents sending support
- NRI inheritance
- Property sale
- LIC maturity
- Gifts
- Parents → student abroad
- NRI receiving inheritance
- Indian resident LRS remittance
- Property sale repatriation
- LIC / Insurance maturity
then plans start at $100
Repatriation of Funds – Legal & Tax Compliant Transfers
Why transfers fail (and how we fix it)
Cross-border money movement isn’t just about exchange rates. India requires Form 145 (Previously known as 15CA) / Form 146 (Previously known as 15CB) for most outward remittances. US taxpayers need FBAR + Form 8938. One missing document = rejection or audit flag.
We handle both sides — India (FEMA/RBI) and US (IRS) — so your transfer completes cleanly.
What's Included
- Pre-transfer eligibility check
- Form 145 / Form 146 preparation & filing
- Bank documentation & remittance letter
- FBAR + FATCA (Form 8938) if US person
- Source of funds narrative (audit-proof)
- Free first consultation – 30 min strategy
Estimated time
1–2 weeks
Docs needed
4–7 documents
Compliance
FEMA, Form 145/146, Form 8938
Starting price
$100 (after free consult)
Why most repatriation transfers get stuck (and how we fix it)
The #1 reason Indian banks reject outward remittances? Missing, incorrect, or mismatched Form 145 (Previously known as 15CA) and Form 146 (Previously known as 15CB).
Form
What it does
Who prepares it
Form 145 (Previously known as 15CA)
Self-declaration to Indian Income Tax Dept that tax is paid/payable on remittance
You (or us on your behalf)
Form 146 (Previously known as 15CB)
We track the claim, respond to IEPF queries, and follow up until shares are credited to your demat account and dividends to your bank account.
Only a Chartered Accountant can sign
Without both forms (in correct order), your bank will NOT process the transfer. Period.
NRI selling flat in Pune
❌ Filed Form 145 but no Form 146
✅ We prepared Form 146 via CA, resubmitted → cleared
Parent sending $10k to US student
❌ Wrong purpose code on Form 145
✅ Corrected to "Education" → transfer released
Inherited property sold in Delhi
❌ Used previous FY's 15CA format
✅ Fresh Form 145 with current annexure → approved
LIC maturity to US account
❌ No CA certificate for TDS
✅ Computed TDS, filed Form 146 → smooth transfer
What we do differently
- Review your transfer type (sale, gift, inheritance, salary, maturity) – each has different Form 145/146 rules
- Check amount threshold – under ₹5L vs over ₹5L vs non-resident remitter
- Prepare or verify Form 145 with correct purpose code & tax details
- Arrange Form 146 via empaneled CAs specializing in cross-border transfers
- Validate against bank requirements (SBI, HDFC, ICICI, Axis – each has unique checklists)
- Submit through income tax portal – or guide you step by step
Quick risk check: Is your transfer at risk?
- Remittance > ₹5 lakhs? → You likely need Form 146 (Previously known as 15CB)
- Sending from a joint account? → Both holders may need to sign Form 145 (Previously known as 15CA)
- Source = property sale? → Sale deed + TDS certificate + Form 146 required
- More than 6 months since sale? → May need fresh valuation + updated forms
- Non-resident sending from NRO account? → Additional RBI reporting required
- Previously filed Form 145 with errors? → Correction filing needed before bank resubmission
One more thing: Form 145/146 isn't just about getting money out. It's your proof to the IRS (if you're a US person) that the money was already tax-compliant in India. Without it, you may struggle to explain source of funds during a US tax audit. We make sure you have that paper trail — for both countries.
Quick risk check: Is your transfer at risk?
- PAN card (Indian remitter)
- Aadhaar or passport
- Bank statements (6 months, source of funds)
- Sale deed / agreement (property)
- Inheritance documents (will / probate)
- Gift deed (if applicable)
- Existing Form 145 / Form 146 (if any)
- LIC / insurance maturity statement
- India income tax portal credentials
- US tax return (if US person)
Service Highlights
- Avoid TDS & bank scrutiny
- IRS & RBI forms properly filed
- Avoid TDS & bank scrutiny
- Banking documentation support
Process
- Free consult (30 min) Review transfer type, amount, source of funds, and both country requirements.
- Document collection Upload bank statements, sale deed, or inheritance papers via secure portal.
- Form preparation Prepare Form 145, Form 146, FBAR, Form 8938 and coordinate with CA.
- Bank & tax filing Submit to bank and income tax portal. Transfer initiated with confidence.
Typical turnaround: 1–2 weeks after document submission. Free consult within 24 hours.
Enquire About Repatriation of Funds
Common Questions
Frequently Asked Questions
Find answers to commonly asked questions about our services and how we can help you with your NRI financial needs.
Is the first consultation really free?
Yes. 30 minutes, no obligation. We review your specific transfer and tell you exactly what forms you need.
What is Form 145 / Form 146?
Form 145 (formerly known as 15CA) and Form 146 (formerly known as 15CB) are mandatory Indian tax forms for most outward remittances above ₹5 lakhs. We prepare both and arrange CA certification.
Do I need a CA for repatriation?
For amounts > ₹5 lakhs (or specific cases like property sale), Form 146 from a CA is required. We handle this for you.
I'm a US citizen receiving inheritance from India. Do I report?
Yes. FBAR and possibly Form 8938. Also may need Form 3520 for foreign gifts/inheritance. We cover this.
How long until money moves?
Once forms are filed, banks typically process within 5–7 business days. We help expedite.
What if my bank already rejected my transfer?
We review the rejection reason, correct the forms or documentation, and resubmit properly.