End-to-end support for NRIs moving money abroad — Form 15CA/CB certification, repatriation advisory, Lower TDS certificates for property sellers, and full bank coordination under RBI & FEMA norms.
From Form 15CA/CB certification and repatriation advisory to Lower TDS certificates and RBI-compliant bank coordination — every step of your cross-border money movement, handled end-to-end.
Any person making a remittance outside India — whether a rent payer, a property buyer, or a business — must submit Form 15CA (an undertaking by the remitter) and, in most cases, Form 15CB (a CA certificate certifying that taxes have been deducted at the applicable rate). We prepare both documents accurately, determine DTAA applicability, verify TDS rates, and file Form 15CA on the income tax portal before the bank processes the wire transfer.
NRIs can repatriate funds held in NRO accounts up to USD 1 million per financial year, subject to tax compliance and RBI documentation requirements. We advise on the permissible limits, the correct account routing (NRO to NRE or direct foreign remittance), the documentation required by the authorised dealer bank, and the sequence in which taxes and compliances must be settled before the transfer is initiated.
When an NRI sells immovable property in India, the buyer is required to deduct TDS at 20% (LTCG) or 30% (STCG) on the entire sale consideration under Section 195 — even before the actual tax liability is computed. This results in a significant cash blockage for the NRI seller. Form 13 allows NRIs to apply to the Assessing Officer for a certificate authorising the buyer or tenant to deduct TDS at a lower rate — or at nil — matching the actual tax liability rather than the gross rate. We prepare and file the application, compute the actual liability, and follow up until the certificate is issued.
Authorised dealer banks require a complete documentation package before releasing an outward remittance — including Form 15CA/CB, ITR acknowledgements, source of funds declarations, and in some cases a CA or auditor certificate under FEMA. Gaps in documentation cause delays, rejection of transfers, or flags under RBI's reporting framework. We liaise directly with the bank's FEMA desk, prepare all compliance declarations, and ensure the remittance is cleared without unnecessary delays.
The requirement depends on the nature and amount of the remittance. We determine the correct part and filing obligation for every transaction.
Remittances chargeable to tax & below ₹5 lakh in a financial year
Remittances chargeable to tax & exceeding ₹5 lakh in a financial year
Remittances under an order or certificate issued by the AO / ITD
Remittances not chargeable to tax in India — exempt transactions
A structured four-step process — from transaction review and tax computation to documentation, filing, and bank clearance.
We assess the nature of the remittance, applicable tax provisions, DTAA benefits, and determine the correct 15CA part and whether a 15CB or Form 13 is required.
Actual tax liability is computed. Form 15CB is issued as a CA certificate certifying the applicable TDS rate, DTAA position, and remittable amount after deduction.
Form 15CA is filed on the income tax portal. All supporting documents — 15CB, ITR ACK, source declarations — are packaged for submission to the authorised dealer bank.
We coordinate with the bank's FEMA desk, resolve any compliance queries, and ensure the remittance is released to the foreign account without delay or regulatory hold.
From property sellers needing Lower TDS certificates to NROs repatriating rental income, our remittance compliance practice ensures funds reach foreign accounts on time and without regulatory risk.
Form 15CB issued and 15CA filed within 24–48 hours of receiving complete transaction details — so your remittance is never delayed by documentation lag.
Deep knowledge of FEMA 1999, RBI Master Directions on Remittances, and authorised dealer bank requirements ensures zero compliance gaps.
Form 13 applications that reduce TDS from 20–30% on gross sale proceeds to actual tax liability free up significant capital for NRI property sellers immediately.
Every compliance step is handled digitally. You share documents online; we manage the rest — portal filings, bank liaison, and certificate delivery — without you needing to be in India.
Whether you need a Form 15CB for a remittance, a Lower TDS certificate for your property sale, or help navigating RBI repatriation limits — we are ready. No India visit required.
4th Floor, Solitaire 1, New Link Rd, Malad West, Mumbai 400064.
+91-8169820387 | 022-46022657