NRE / NRO Repatriation Planner Calculator

The rule in plain English: India allows NRIs to send a maximum of USD 1 million (roughly ₹84 Crores) per year from their NRO account to their foreign account. If your sale proceeds are larger than this, you'll need to split the transfer over multiple years. This planner maps that out for you.

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Tell us about your money

Just 4 questions — we'll build your complete plan

How much money is in your NRO account? Your property sale proceeds after tax (₹ in Lakhs). Don't know exactly? Use your approximate net amount.

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Which year do you want to start sending money abroad?

What type of NRO account is your money sitting in? This determines how much interest your money earns while it waits. We've pre-filled typical bank rates for each — you don't need to look anything up.

3.5% Savings A/C 6.5% FD — 1 Year ⭐ 7.0% FD — 2 Years 7.25% FD — 3 Years+

Which country do you live in? India has tax treaties with some countries that reduce the tax on your NRO interest from 30% to 15%. We apply this automatically.

UAE: No tax treaty with India. Tax on your NRO interest = 30%. Since UAE has no income tax, this 30% is your only cost — no double taxation.

🌐 Your Repatriation Plan

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—Years needed

—Max per year (FEMA)

—Total in USD

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Your Year-by-Year Schedule

How much you send abroad each year, and what's left

Year	You send abroad	Interest earned (net)	Remaining in NRO
Total	—	—	—	—

Interest your NRO earns while waiting

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Gross, before tax

Tax deducted on that interest (TDS)

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Deducted automatically by your bank

Interest you actually keep (after tax)

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Added to your repatriation amount

Paperwork needed (Form 15CA + 15CB)

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One set required each year you transfer money

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What Happens to Your Interest

Your NRO money earns interest while it waits — but tax is automatically deducted

Interest rate on your NRO account —

Tax rate on NRO interest (TDS) —

Your effective (real) return after tax —

Total gross interest earned (all years) —

Total TDS deducted by bank (all years) —

Net interest you keep —

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What You Need to Do Each Year

These 4 steps are required every time you transfer money from NRO to abroad

File your Indian tax return (ITR) by July 31

Your NRO interest must be declared as income in India every year. The bank will ask for proof that your taxes are paid before releasing the transfer.

Get Form 15CB signed by a CA

A Chartered Accountant certifies that all taxes on the amount being sent have been paid. CA at NRiSimplify prepares this for you — it's mandatory for every transfer.

File Form 15CA yourself on the tax portal

This is your own declaration confirming the transfer is permitted. It's filed online — NRiSimplify guides you through this step.

Submit both forms to your bank to release the transfer

Hand Form 15CA and 15CB to your NRO bank. They verify and process the outward transfer to your foreign account. This typically takes 2–5 working days.

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4 Things Every NRI Should Know

Important rules that can change your timeline significantly

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The limit resets every April 1st

If your sale completes in, say, February — you can send up to USD 1M before March 31, then another USD 1M from April 1. Good timing can effectively double how fast you can repatriate.

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Joint owners each get their own USD 1M limit

If 2 people jointly owned the property, each person has their own independent annual limit of USD 1M. So a jointly-owned property can effectively send USD 2M per year — cutting your timeline in half.

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You cannot move money directly from NRO to NRE

Many NRIs ask about this. The answer is no — not directly. To move funds into your NRE account (which is tax-free and fully repatriable), you must first send the money abroad, then bring it back into NRE. It's a detour, but it's allowed.

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Money already in NRE or FCNR has no limit

The USD 1M cap only applies to NRO accounts. If your money is in NRE or FCNR, you can send it abroad in full, anytime, with no paperwork limits — and no tax on the interest either.

Let NRiSimplify Handle Your Repatriation

We manage your ITR filing, Form 15CB preparation, Form 15CA filing, DTAA claims, and bank coordination — every year, until every rupee is home.

Enquire now →

Disclaimer: Based on FEMA 1999 and RBI Master Directions. USD 1 million annual limit applies per individual from NRO accounts. NRO interest rates shown are typical market rates as of FY 2025–26 — actual rates vary by bank and tenure. TDS on NRO interest: 30% standard; 15% for DTAA countries (requires Form 10F + Tax Residency Certificate). Exchange rate of ₹84/USD used throughout. Consult a CA before remitting.

How Long Will It Take toMove Your Money Abroad?