NRO to NRE Conversion
FEMA-compliant conversion of NRO funds to NRE for tax-efficient repatriation.
Flat USD pricing
$199
One-time payment
Vetted Partner
CAs & advocates
Fast TAT
Most under 10 days
4.9★ Rating
From 200+ NRIs
Trust
Why WiseNRI
FEMA-compliant repatriation through both Rule 37BB and RBI approval routes
Form 145 and Form 146 preparation included — no CA scrambling at the bank counter
FX timing advisory included on transfers above $50K equivalent
End-to-end tracking from bank initiation to credit in your overseas account
Process
How it works
Source mapping
We classify each source (NRO interest, rent, capital gains) for FEMA repatriation rules and the $1M annual cap.
Form 145 & 146 prep
CA-certified Form 145 Part A/B and Form 146 prepared per Rule 37BB — required by your bank before the wire.
Bank coordination
We work with your NRO/NRE bank — usually SBI/HDFC/ICICI — to submit forms and initiate the transfer.
Confirmation
SWIFT confirmation and FX rate locked + reported back to you in USD/your home currency.
Audience
Who it's for
NRIs needing to move funds out of India — annual NRO repatriation within the $1M cap, above-cap repatriation through RBI, NRE/FCNR returns, or pension/PF withdrawals coordinated with treaty timing.
Innovation
AI-powered, human-reviewed
Kubera AI under the hood
Smarter prep, faster turnaround, fewer errors.
$1M cap tracker — counts already-repatriated amounts this FY
FX-timing optimizer compares spot vs. 30-day forward against your home currency
DTAA-aware withholding calculator (matters for NRO interest above ₹5K)
NRO to NRE Conversion
$199