Repatriation · FEMA-clean · Tax-efficient

Move your money home. Without the paperwork hell.

FX timing · NRO ↔ NRE conversions · $1M cap · 145/146 compliance. Same purchase engine as the rest of the marketplace — fixed prices, CA-prepared, flat-fee USD pricing.

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UAE / GCC Alert

If you live in a zero-tax jurisdiction (UAE, Bahrain, Qatar, Kuwait, Saudi Arabia, Oman, etc.) and earn ₹15 lakh or more from Indian sources, you may be classified as a deemed Indian tax resident under the Income Tax Act, 2025 — even with zero days of physical presence in India. Your global income then becomes taxable in India. Consult our CA team before repatriating or restructuring.

Free calculators

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All 9 tools

Transfer Limit

USD 1M / year FEMA cap. Know your headroom before you wire.

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Form 145 / Form 146 Checker

Which form your remittance needs — and whether you need both.

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TDS on Property

Selling Indian property? Compute the TDS first; it drives repat.

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DTAA India-USA

Treaty rate vs domestic — which jurisdiction taxes what.

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TCS Calculator

TCS on outward LRS remittance. Avoid surprises at the bank.

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Residential Status

NRI / RNOR / ROR — your status drives every filing.

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Repat services

Buy a service. Done in days.

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The 3-step repat flow

Compliant, clean, and actually fast

Open NRO / NRE

Right Indian bank account to receive rental income or sale proceeds. We coordinate with HDFC, ICICI, Axis, Kotak NRI desks.

Tax clearance

DTAA benefits, Form 145 / Form 146 certificates, TDS reconciliation. CA-signed, FEMA-aligned. Typically 3-7 working days.

Wire to your country

Compliant outward transfer under FEMA's NRO repatriation framework. NRE and FCNR account funds are fully and freely repatriable with no annual ceiling. Same-week settlement at most NRI desks.

Free 30-min call

Not sure which service you need?

Talk to a repat advisor. We'll review your situation (sale proceeds, rental income, RNOR window, etc.) and tell you the cleanest path. No sales pitch — if you walk away with a checklist and no purchase, that's fine.

FEMA-clean structure for your specific situation

RBI-approval route mapping if above the USD 1M NRO cap

Coordination with your existing CA / banker

Written summary within 24h

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Repat advisor reaches out within 1 business day.

Your repat expert

Anil Grandhi

CA · CEO, AG FinTax · ex-PwC, SunEdison, Amazon, Starbucks

20+ years in international tax + FEMA. Forbes Finance Council member. Top 20 Dynamic CEOs of 2022 (USA). Based in the United States.

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Frequently asked

Is there a $1M annual repatriation limit?

Yes — NRO account repatriation is capped at USD 1 million per financial year under FEMA. NRE and FCNR account funds are fully and freely repatriable with no annual ceiling. Above-cap NRO flows need RBI approval (handled in HNI Advisory).

Do I need both Form 145 and Form 146?

Rule 37BB lists 33 exempt remittance categories (certain investments, travel, family maintenance, etc.) that require neither Form 145 nor Form 146. For taxable remittances above ₹5 lakh, both Form 145 and Form 146 are required. For taxable remittances below ₹5 lakh, only Form 145 Part A is required. Use the calculator to confirm.

How long does a clean repat take?

With Form 145 and Form 146 ready: typically 3-7 working days after forms are accepted by the bank. Above-cap RBI-approval routes: 4-8 weeks.

Can I repatriate sale proceeds the same year I sold?

Yes, after TDS is deposited and the ITR for the gain is filed (or sufficient self-assessment tax paid). The CG-tier filing is the gating step.

How is capital gains tax calculated on property sale?

Property LTCG for NRIs: 12.5% without indexation for property acquired after 23 July 2024. For property acquired before that date, you may choose between 20% with indexation or 12.5% without. Buyer TDS is 12.5% on qualifying long-term sales. These rates are embedded in the Income Tax Act, 2025 for Tax Year 2026-27 onwards.