Repatriation & FEMA Compliance Services – CA Vijay Singh & Co.
Seamless Repatriation & FEMA Compliance: Moving Your Money, Worry-Free
From Your Indian Bank to Your Global Account. Compliant, Fast, and Hassle-Free.
Transferring your Indian income abroad is not as simple as wiring money. Strict FEMA regulations govern these transfers, and missing documentation like Form 15CA/15CB can delay or even block your remittance. We ensure your funds move smoothly, legally, and on time.
What We Deliver:
Form 15CA & 15CB Certification
We issue the mandatory Chartered Accountant certificate (Form 15CB) and assist in filing Form 15CA with the Income Tax Department. This is essential to get your bank’s approval for overseas remittance.FEMA Advisory & Repatriation Planning
We guide you on all FEMA rules and schemes, including the USD 1 Million Scheme, helping you structure large transfers without breaching regulatory limits.NRE/NRO Account Advisory
We provide complete clarity on using NRE (tax-free, freely repatriable) and NRO (taxable, restricted) accounts to optimize how your Indian income is taxed and remitted abroad.
Selling my ancestral property in India while living in Canada was a nightmare waiting to happen. I was worried about the capital gains tax and the 20% TDS. The team handled everything. They calculated the exact capital gains, applied for a lower TDS certificate which saved me a huge upfront tax payment, and guided me on reinvesting the proceeds under Section 54EC to legally eliminate the tax. It was incredibly smooth.
Every year, filing my Indian taxes was a scramble. I wasn't sure what income was taxable or how to claim DTAA benefits. Now, it's completely hands-off. They proactively collect my documents, ensure I get full credit for taxes paid in the UK, and file my return on time. I no longer dread the July 31st deadline.
Frequently Asked Questions
These forms certify that your foreign remittance complies with Indian tax laws. Banks will not process your transfer abroad without them, especially for high-value transactions.
Under FEMA’s USD 1 Million Scheme, NRIs can remit up to USD 1 million per financial year from their NRO account after paying applicable taxes.
NRE accounts are fully repatriable and tax-free.
NRO accounts are subject to Indian taxes and remittance caps.
We help you manage both accounts optimally to reduce tax leakage.
No. We manage everything remotely including obtaining certificates and filing documentation so you can repatriate funds from anywhere in the world.
NRI Repatriation & FEMA
Permitted account types, repatriation routes, Form 15CA/15CB, and FEMA compliance for NRIs moving funds out of India – structured around the actual transaction, not the bank’s default forms.
By CA Vijay R Singh, FCA
ICAI Membership No. 153926 | FRN 136869W | Practising since 2013
Quick Summary
Repatriation is the area where NRIs lose the most time at Indian banks – because the bank front-desk applies the default repatriation forms without checking the specific FEMA route that applies to the actual transaction. We sign Form 15CB CA certificate, coordinate Form 15CA, and own the AD Bank handshake so repatriation closes without bouncing between counters.
Strategic Fit: Is this right for you?
Property Sale Proceeds
NRIs repatriating from Indian property sale.
Investment Exits
Repatriating proceeds of Indian investment exits.
Rental / Dividend Income
Repatriating ongoing income from Indian accounts.
Inheritance / Gift
Repatriating inheritance or gift proceeds from family.
NRO to NRE Conversion
Moving NRO funds to NRE / overseas accounts.
Legacy Holdings
Unwinding old Indian bank accounts, FDs, insurance policies.
Final Deliverables Checklist
Everything you receive at the end of the engagement.
- Repatriation memo - source classification, FEMA route, tax position
- Form 15CB CA certificate with UDIN
- Form 15CA filing support
- Source documentation pack archived
- Annual remittance position vs USD 1 mn cap
- Repatriation tracker (amount, date, rate, fees, net credit)
- Annual remittance position vs USD 1 mn cap
UNDERSTANDING THE FOUR ACCOUNT TYPES
NRE/FCNR
Maintained in INR (NRE) or foreign currency (FCNR). Fully repatriable. Interest exempt Sec 10(4)(ii). No FEMA cap on repatriation.
NRO
Maintained in INR. Funded by Indian-source income. Interest taxable. Repatriation up to USD 1 mn/FY via Form 15CA + 15CB.
RFC
Resident Foreign Currency. For returning NRIs becoming residents. Hold foreign currency post-residency change. Interest exempt for RNOR.
The Engagement Lifecycle
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Transparent Pricing Structure
Statutory & Third-Party Costs – pass-through, NOT our fees
These are paid directly to government departments, certifying authorities, and banks. They are not VRS professional fees.
- Form 15CA filing: nil government fee (online portal)
- Form 15CB CA certificate: UDIN generation nil (free)
- AD Bank wire transfer fees: bank's service charges (vary by bank)
- Foreign currency conversion: market rate + bank spread
- Inter-bank wire SWIFT fees: borne directly by remittance
Engagement & Fees
We handle repatriation and FEMA compliance end-to-end — Form 15CA/15CB, NRO-to-NRE transfers, and RBI approvals — scoped to your transaction during an initial scoping call.
Fees are confirmed per engagement after the scoping call, based on the scope and complexity involved. You receive a clear, written quote before any work begins — no hidden charges.
Quoted per Engagement
The final quote depends on the scope, volume, and statutory complexity of your specific engagement.
Frequently Asked Questions
Can I repatriate from my NRE account without Form 15CB?
Yes – NRE balances are fully repatriable without Form 15CA/ 15CB, because NRE funds are originally remitted from abroad. The forms are required for NRO repatriation.
What is the USD 1 million limit?
Per financial year, per NRI, repatriation from NRO accounts is permitted up to USD 1 million for bona fide transactions. Cumulative across all bona fide transactions in the FY.
Can my wife and I each repatriate USD 1 million in the same FY?
Yes – limit is per NRI individual. A couple, each NRI, can repatriate USD 1 million each in the same FY.
Inheritance from a resident family member - do I pay tax in India?
Inheritance per se is not taxable in India (Sec 56(2)(x) excludes inheritance). Income earned on inherited asset thereafter is taxable.
My bank is asking for the original purchase deed from 1980. Do I really need it?
Bank reasonably asks for proof of original acquisition. If lost, certified copy from sub-registrar or affidavit explaining loss with corroborating documents is substitute.
Can I transfer funds from NRO to NRE account?
Yes, up to USD 1 million per FY, treated as repatriation for FEMA. Form 15CA+15CB required. Once in NRE, funds are repatriable freely.