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Repatriate Money to India from Abroad: NRE vs NRO
Direct answer on repatriating money to India from abroad: NRE free lane, NRO USD 1M cap, inward remittance, and Form 15CA/15CB when moving funds out.
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repatriate money to india from abroad
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How do I repatriate money to India from abroad?
If you are still an NRI, NRE balances repatriate freely to your foreign bank. NRO balances can go out up to USD 1 million per financial year with Form 15CA/15CB and source proof. Money coming into India is inward remittance — label the purpose before you send.
Built for: NRIs and returning Indians moving salary savings, sale proceeds, or foreign balances to or from India.
Proof before action
NRE = free repatriation while NRI
NRO = USD 1M FY cap with CA certificate
Inward remittance lands in NRE or NRO by purpose code
Action sequence
- 1Classify each balance as NRE, NRO, or foreign bank
- 2Pick inward remittance vs outward repatriation before initiating
- 3Collect Form 15CA/15CB if moving NRO funds abroad
Avoid these mistakes
| Risk | Control |
|---|---|
| Mixing NRE and NRO sources in one transfer | Confirm the rule, document, owner, or deadline before committing. |
| Skipping CA certificate on NRO outward | Confirm the rule, document, owner, or deadline before committing. |
| Wrong purpose code on inward SWIFT | Confirm the rule, document, owner, or deadline before committing. |
Full guide
Repatriate Money to India from Abroad: NRE, NRO, LRS, and Form 15CA/15CB in Plain English
Most people ask one question: how do I move money to India without the bank freezing the transfer. The answer depends on which account holds the money and whether you are still NRI or already resident.
Read the full guide ->