Your India Money.
Moved Safely.
From NRO / NRE setup to DTAA tax clearance and international wire — we handle every step of the repatriation process, fully compliant with FEMA and RBI guidelines.
Anil Grandhi · CA
CEO, AG FinTax · ex-PwC · Amazon
What are you trying to do?
Seller's Residential Status
Capital Gain Type
Property Sale Value
Base TDS
20%
Surcharge
10%
Effective
22.88%
Section 195 — NRI Long-Term Capital Gain, property ₹50L–₹1 Cr
Key Points
Base TDS rate: 20% (LTCG — property held > 2 years)
Surcharge: 10% on tax (property value ₹50L–₹1 Cr)
Health & Education Cess: 4% on (tax + surcharge)
Effective TDS rate: 22.88%
Buyer must obtain TAN and deposit TDS via Challan 281
Buyer files Form 27Q quarterly TDS return
Forms 15CA + 15CB required before repatriation of sale proceeds
💡 A Lower TDS Certificate (Form 13) can reduce effective rate to 1–5% — strongly advisable at this bracket
Next Steps
Engage a CA immediately to file Form 13 — saves significant TDS upfront
Buyer deposits TDS before or at time of property registration
CA to obtain Form 15CB; file Form 15CA on IT e-filing portal
Submit 15CA + 15CB + A2 form to your NRO bank to initiate wire transfer
Want a personalised review?
Anil Grandhi CA · ex-PwC · Free 15-min call
Rates per Section 195 read with Finance Act 2024. Indexed cost of acquisition can reduce LTCG — consult a CA for exact computation.
How Repatriation Works
Open NRO / NRE Account
NRO holds Indian-source income (rent, sale proceeds). NRE holds foreign-earned money, is fully repatriable, and tax-free in India. We help you open the right account.
Tax Clearance — DTAA & 15CA-CB
Our CA files Form 15CA and obtains Form 15CB, claims your DTAA benefit, and settles TDS obligations — so no double taxation on funds you move abroad.
International Wire Transfer
We initiate the LRS transfer via your bank, handle the correspondent bank paperwork, and track the wire until funds arrive in your foreign account.
Live FX Rates — vs INR
₹83.42
USD / INR
+0.12%
₹22.71
AED / INR
+0.04%
₹105.12
GBP / INR
-0.08%
₹90.23
EUR / INR
+0.15%
₹54.12
AUD / INR
+0.09%
₹62.31
SGD / INR
+0.06%
Interactive Tool
Repatriation Calculator
TDS Deducted
₹4.00 L
20% on gains
Net Repatriable
₹46.00 L
After TDS clearance
Estimates only. Actual amounts depend on indexed cost, CA-filed forms, and bank processing. Talk to our expert →
Guides & Resources
AI-Powered Repatriation Tools
View all 9 toolsYour Repatriation Expert
Anil Grandhi
Chartered Accountant · CEO, AG FinTax
United States
WiseNRI is a registered advisory platform. All financial data is for illustrative purposes only. Consult a qualified CA before making repatriation decisions.