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NRI Repatriation Calculator

How much can you send out of India — and what forms do you need?

How this works: NRE funds are fully repatriable with no annual cap. NRO funds are capped at USD 1 million per financial year per individual, after taxes are paid and certified by a Chartered Accountant via Form 15CA/15CB. This calculator estimates your repatriation position — not legal/tax advice.

Your repatriation

Result

Amount you can repatriate

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Forms needed

Estimated processing time

Fill in the details and click Calculate to see your repatriation position.

Common Questions

Under FEMA, NRIs can repatriate up to USD 1 million per financial year (April to March) from their NRO account, after paying applicable taxes. This cap applies per individual, not per account. NRE account funds are fully repatriable with no cap. The USD 1M cap resets every April.
Form 15CA is a self-declaration by the remitter, filed online with the Income Tax Department before the bank can process repatriation. Required for any taxable foreign remittance. Form 15CB is a Chartered Accountant’s certificate confirming that taxes have been paid or are not applicable. Required when the remittance is taxable AND the amount exceeds Rs 5 lakh (~USD 6,000) in a financial year. NRE repatriation typically does not need 15CA/15CB. NRO repatriation almost always does.
Once you have all forms ready, banks typically process NRO repatriation in 3-7 business days for current income and 7-14 business days for property sale proceeds (which need additional documentation like sale deed and capital gains computation). The bottleneck is usually getting Form 15CB from your CA, which can take 5-10 days.
Almost everything: current income (rent, interest, dividends), property sale proceeds, inherited assets, gifts received, refunds, insurance maturity proceeds. The only NRO outflows NOT counted are transfers between your own NRO accounts. If your aggregate USD repatriation in any financial year exceeds USD 1M, the excess must wait until the next April.
Yes, in some cases: (1) Property sale proceeds may have higher limits under certain conditions; (2) Repatriation for medical treatment, education, or emigration may be permitted by RBI on case-by-case basis; (3) If you change residency status back to non-resident in a new jurisdiction. Consult an RBI-authorised dealer (your bank) or a FEMA-specialist CA for these scenarios.
NRE funds originated outside India (you sent foreign earnings in via inward remittance), so RBI considers them “your money” returning to you. NRO funds, by contrast, are Indian-source income (rent, dividends, sale of Indian assets) and RBI limits how much Indian capital can leave each year to manage forex reserves.
The repatriation itself is not a taxable event in your country of residence — it’s just movement of your own money. However, the underlying income (NRO interest, dividends, capital gains) was likely already declared on your foreign tax return. Don’t double-declare. See our country tax calculators for specifics.

Related guides

NRI Banking (NRE/NRO)

FD Rate Comparison

Send Money to India

Last reviewed: May 2026

Why a Repatriation Calculator Matters

Sending money INTO India is the easy part — every NRI has done it. Sending money OUT of India is where things get complicated. Between FEMA rules, the USD 1M annual cap on NRO accounts, Form 15CA/15CB requirements, tax obligations, and bank processing timelines, it’s easy to make a costly mistake.

This calculator estimates:

  • How much you can repatriate based on your account type and existing cap usage
  • Which forms are required (15CA, 15CB, A2, etc.) and when
  • Estimated processing time based on the source of funds
  • Tax notes specific to your situation

NRE vs NRO Repatriation — The Critical Difference

AspectNRENRO
Annual capNoneUSD 1 million per financial year
Tax certificatesNot requiredForm 15CA almost always, Form 15CB if > Rs 5L
DocumentationBank request form onlyA2, 15CA, sometimes 15CB, CA certification
Processing time1-3 business days3-14 business days
Tax in IndiaAlready tax-freeAlready taxed via TDS or assessment
Best forReturning your own foreign earningsReturning Indian-source income, property sale proceeds

The structural point: India is happy for NRE money to leave because it’s “yours” returning to you. NRO money is Indian capital that India is rationing how much can exit per year.

The USD 1M Cap — How It Actually Works

  • It’s per individual, not per account. If you have an NRO account with HDFC and another with ICICI, the cap applies across both.
  • It resets every 1 April (Indian financial year start).
  • The cap is denominated in USD, so even if you repatriate to GBP/EUR/CAD/AED, the bank converts to USD-equivalent for cap tracking.
  • Pending repatriations don’t count toward the cap until actually transferred.
  • If you exceed the cap, the excess must wait until next April. RBI rarely makes exceptions.

What This Calculator Does NOT Do

  • Calculate Indian tax owed — use our country tax calculators for that
  • File Form 15CA / 15CB — these are filed via Income Tax e-filing portal + your CA
  • Replace your bank’s repatriation process — every bank has its own forms and steps
  • Account for sub-USD 1M sub-limits — some banks impose their own per-transaction limits (e.g. ICICI’s USD 250K daily online limit)

A Word on Form 15CB

Form 15CB is a Chartered Accountant’s certificate certifying that the proposed remittance has the right tax treatment applied. A few NRIs try to skip it; the bank will not process repatriation without it once the threshold (Rs 5L / ~USD 6K) is crossed. Plan for 5-10 days to obtain 15CB. Cost ranges from Rs 2,500 to Rs 15,000 depending on the CA and complexity.

NRIWallah does not provide tax or legal advice. Use this calculator as a planning aid only. For high-value repatriation (especially property sale proceeds), engage a FEMA-experienced CA before initiating.

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