NRI Remittance Compliance 15CA 15CB
Complete Support for Safe Overseas Transfers
When NRIs transfer money outside India, two forms decide whether the remittance will be approved smoothly or get blocked. Form 15CA and Form 15CB are the backbone of NRI remittance compliance. These forms determine tax liability, source verification, and regulatory approval before your bank allows the funds to leave the country.
If these forms do not match, are incorrectly filled, or are filed under the wrong category, banks immediately put a hold on the transfer. That is why NRIs need accurate, risk free guidance from specialists who understand cross border taxation, FEMA rules, and the exact interpretation required by Indian banks.
Our NRI Remittance Compliance service handles Form 15CA, Form 15CB, document verification, TDS applicability, purpose codes, and bank specific requirements to ensure your funds are remitted smoothly and safely.
“Most overseas remittances above the prescribed threshold require both Form 15CA and Form 15CB together. If they mismatch, the bank will not proceed.”
“Every remittance requires the correct FEMA purpose code. Wrong purpose code selection is one of the top reasons remittances get rejected.”
What You Get With This Service
Feature | Benefit |
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Form 15CA preparation and submission | Smooth and compliant remittance |
CA certified Form 15CB | Correct tax analysis and safe transfer |
TDS applicability and computation | Avoids over deduction or rejection |
Bank documentation support | Meets exact requirements of your bank |
FEMA purpose code selection | Ensures fast bank approval |
RM assistance | One point of contact throughout |
Escrow protected payment | Safe and transparent transaction |
Post transfer support | Help with queries or documentation checks |
Query Form
- Advisory depends on accurate information shared by the client.
- Incorrect or missing documents may delay service.
- Treaty benefits depend entirely on your country of residence and valid proof.
- NRIHelpLine will provide accurate computation and advisory, but tax outcomes depend on government systems.
- Clients must verify filings as required.
- Counseling fee is fully adjustable upon confirmation of service.
- Refunds apply only if NRIHelpLine is unable to provide advisory due to internal limitations.
- No refunds for invalid or incomplete documents provided by the client.
- Refunds processed through the original payment method.
Who Should Use This Service
This service is meant for NRIs who are:
- Sending funds abroad from their NRO account
- Repatriating rental income
- Transferring property sale proceeds
- Sending capital gains abroad
- Remitting interest or dividend income
- Paying for education or medical expenses abroad
- Settling financial obligations
- Repatriating assets or inheritance
- Transferring funds to the USA, Canada, UAE, UK, Australia, Singapore, or any other country
If your bank has asked for Form 15CA or Form 15CB, or if you are unsure whether both are required, this service is for you.
Understanding the Problem
Many NRIs do not realise how complicated the remittance compliance chain actually is. It involves:
Incorrect form classification
Form 15CA has four parts. Only one applies to your case. Selecting the wrong one causes errors.
Not knowing when Form 15CB is mandatory
Banks require Form 15CB from a chartered accountant before certain transfers.
Mismatch between CA certificate and Form 15CA
Numbers, nature of income, and purpose code must match perfectly across both forms.
TDS deduction errors
Banks may deduct incorrect TDS if the form does not clearly define taxability.
Wrong purpose code
FEMA purpose codes are strict. Incorrect coding leads to immediate rejection.
Property sale remittances
These require precise capital gains working, TDS alignment, and CA certification.
Bank variations
Every bank has different document requirements. You cannot rely on generic information.
NRIHelpLine removes all uncertainty and ensures flawless Form 15CA and Form 15CB filing.
Why NRIs Prefer NRIHelpLine for Remittance Compliance
Flawless CA certification
Form 15CB is prepared by experienced NRI tax specialists.
Bank specific knowledge
We understand the exact requirements of SBI, ICICI, HDFC, Axis, Kotak, and others.
Startup India and IIT Catalyst backed
Your compliance is handled by reliable experts.
Smooth process
We handle everything while you stay informed through your RM.
Escrow protected payment
Your funds remain safe until the service is delivered.
End to end clarity
No guesswork. Everything is explained clearly and simply.
Expert Warning from NRIHelpLine
NRIs often file Form 15CA themselves and assume Form 15CB is optional. For many categories, banks require Form 15CB even when the transfer appears non taxable. Incorrect assumptions can freeze your funds and delay processing for weeks.
Documents Required
Your NRIHelpLine Relationship Manager will tailor this, but commonly required items include:
Passport | PAN | Bank Details | Purpose Of Remittance | Source Of Funds | Income Or Sale Documents | Property Sale Deed (If Applicable) | Rental Agreements (If Rent Remittance) | Capital Gains Computation | Buyer TDS Documents | Tax Calculation Sheet | Original Bank Request Form | Supporting Invoices (If Any)
Our Step by Step Remittance Compliance Process
NRIHelpLiine ProcessRemittance Assessment
We understand the nature of income, source of funds, and remittance type.
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Document Collection
Your RM shares a customised list based on your bank's requirements.
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TDS Applicability Check and Computation
If TDS is required, we compute the correct rate and amount.
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Form 15CB Certification
Our CA prepares and certifies Form 15CB with complete tax analysis.
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Form 15CA Preparation and Submission
We prepare the correct part of Form 15CA and align it with Form 15CB.
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Bank Kit Preparation
We compile all documents required by your bank for smooth processing.
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Final Approval and Transfer Support
You receive the certified forms and can proceed with your bank confidently.
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Frequently Asked Questions
FAq
Q1. Which ITR form should an NRI file?
Most NRIs file ITR-2 unless they have business income, in which case ITR-3 is filed.
Q2. Is rental income taxable for NRIs?
Yes. Standard deduction and municipal taxes apply.
Q3. Do NRIs need to file taxes in India if they earn abroad?
If you are NRI under the Income Tax Act, foreign income is not taxable.
Q4. Is DTAA helpful for NRIs?
Yes. It prevents double taxation between India and your resident country.
Q5. Can NRIs claim TDS refund?
Yes. Excess TDS deducted during property sale or rent can be refunded.
Q6. Do NRIs need a PAN card?
Yes, for most financial and taxation activities.
Q7. Is Form 15CA required for sending money abroad?
Yes. It is required for most outward remittances.
Q8. What is Form 15CB?
This is a CA certificate required before certain foreign remittances.
Q9. Can NRIs file taxes without coming to India?
Yes, for most financial and taxation activities.
Q10. How long does an NRI refund take?
Yes, for most financial and taxation activities.
Our Other NRI Tax Solutions
INCOME TAX RETURN - Basic
INCOME TAX RETURN (Rent+CG+FI)
DTAA ADVISORY
FORM 15CA
FORM 15CA+15CB
Capital Gains Calculator
TDS Refund for NRIs
NRI TAX Planning Advisory