Your NRI Remittance, Done Right From Abroad
Form 145/146, Form A2, 0% TCS, up to USD 1 million, handled entirely in-house by our own CAs and compliance team. No rejected wires. No blocked funds.
Wrong Part Filed on Form 15CA / 145
Filing the wrong Part, or skipping Form 15CB / 146 where required, causes banks to reject the transfer outright. The 2024 renaming has added to the confusion.
Wrong RBI Purpose Code on Form A2
A mismatched purpose code creates FEMA non-compliance that can freeze future NRO repatriation and trigger penalty notices under FEMA Section 13.
20% TCS Deducted Before Funds Leave
Without proper structuring, your bank deducts 20% TCS under Section 206C(1G) upfront, locking lakhs in refund cycles for 12+ months.
USD 1 Million Remittance Rejected
High-value NRO transfers require a specific CA certificate and RBI documentation. Missing even one document causes the bank to reject the wire entirely.
One Wrong Form, One Blocked Wire,
for months.
Remittance compliance sits at the intersection of FEMA, Income Tax and RBI rules. Most banks won't proactively flag the issues, and most generic CAs aren't equipped to handle them in-house.
Every Form 145, Form 146 and Form A2 is prepared by our own in-house CAs, no external delays, no broken handoffs.
The Four Compliances, Handled In-House
Every form, every code, every certificate, done by our own team. No external CA dependencies.
Form 15CA / 15CB (Now: Form 145 / 146)
Our in-house CAs prepare and file Form 145 (taxpayer declaration) and issue Form 146 certification for every outward remittance. One missing or incorrectly filed form is enough to block your transfer entirely.
Form A2, RBI Outward Remittance Declaration
Required for every outward FEMA remittance. We file Form A2 with the correct RBI purpose code and submit the full documentation set to your bank, wrong purpose codes trigger FEMA violations that can freeze future repatriation.
0% TCS on Outward Remittances
LRS remittances above ₹10 lakh attract 20% TCS under Section 206C(1G) if not properly structured. We verify PAN-Aadhaar linkage, apply correct purpose declarations, and ensure 0% TCS wherever legally applicable.
Up to USD 1 Million in One Transaction
NRIs can repatriate up to USD 1 million per year from NRO accounts under FEMA Notification No. 13. Our in-house team handles the complete documentation stack, Form 145/146, Form A2, CA certificate, and bank forms, start to finish.
The Compliance Stack, Decoded
Three forms sit between you and your money moving abroad. We file all three, accurately and in the right sequence.
Taxpayer's Self-Declaration
Filed by the NRI declaring the nature of payment, taxability, applicable DTAA relief, and TDS rate. Required for most outward remittances from India.
- ✓Part A: Payments ≤ ₹5 lakh (non-taxable)
- ✓Part B: Backed by Form 146 (CA certificate)
- ✓Part C: Own TDS determination
- ✓Part D: Payments not chargeable to tax
- ✓Filed online on the Income Tax Portal
In-House CA Certificate
Issued by our in-house CA certifying the TDS rate, DTAA benefit (if any), and that adequate tax has been withheld. Mandatory for remittances above ₹5 lakh.
- ✓Required for taxable remittances > ₹5 lakh
- ✓Our CA verifies taxability u/s 195
- ✓DTAA treaty position confirmed
- ✓Withholding rate certified
- ✓Prerequisite for Form 145 Part B
Outward Remittance Application
Submitted to the AD bank for all outward FX transactions. Incorrect purpose codes can trigger FEMA penalties under Section 13, we ensure the right code every time.
- ✓Mandatory for all outward FX transfers
- ✓Purpose code must match actual transaction
- ✓Covers LRS and non-LRS remittances
- ✓Retained by bank for RBI audit
- ✓Cross-referenced with Form 145
Funds Abroad in 5 Clean Steps
No external CAs. No bank back-and-forth. Just five steps, end to end.
Initial Assessment
We review your residency status, source of funds, and applicable tax treaties.
Tax Computation & Form 146
Our in-house CA computes the tax liability and issues Form 146 (CA certificate) directly.
Form 145 Filing
We file the correct Part (A/B/C/D) on the Income Tax Portal and generate the acknowledgement.
Form A2 & Bank Submission
We complete Form A2 with the right RBI purpose code and submit the full package to your bank.
Funds Remitted
Bank releases the transfer. Funds hit your foreign account, clean, compliant, no delays.
Without Us vs. With Us
Same money. Same compliance rules. Two very different outcomes.
- Pay 20% TCS upfront, wait 12+ months to recover
- Wrong Form 15CA Part filed, bank rejects transfer
- Form 15CB missing, external CA delays and errors
- Incorrect RBI purpose code, FEMA penalty risk
- USD 1M remittance blocked, wrong documentation
- Months of back-and-forth between bank, CA and you
- 0% TCS structured correctly from day one
- Correct Form 145 Part (A/B/C/D), filed in-house
- Form 146 issued by our own in-house CA
- Right purpose code, full FEMA compliance
- USD 1M documentation stack handled end-to-end
- Funds remitted in days, not months
Repatriations, done cleanly. Reviewed by NRIs everywhere.
“Repatriation done in 2 days, fully compliant. The team replied within the hour, every single time. Thank you.”
“Repatriated USD 1M from my NRO account after a property sale, Form 145/146 and Form A2 done in-house in days. No bank back-and-forth, no rejected wires.”
“I never realised the deductions on my transfers were TCS. NRiSimplify structured my banking and improved my cash flow by lakhs, completely legally.”
“My wire to the UK kept getting held because of the wrong RBI purpose code. NRISimplify fixed it and the next transfer cleared in 48 hours.”
“GPA, tax optimisation, finding a buyer, all paperwork, everything handled. A seamless transaction from start to finish.”
“Their Canada partner connected us in minutes and the India team took it from there. One coordinated platform. We recommend to all NRIs.”
“Made the entire process stress-free. They handled everything and kept me informed at every step.”
“Expertise in regulations evident from day one. Transparent pricing, a refreshing change from hidden costs elsewhere.”
“Their experts provided invaluable guidance throughout. Highly recommend to any NRI selling property remotely.”
“Such efficiency and professionalism. I was amazed at how effortless the whole process was.”
“Sold my Bangalore flat without flying to India once. NRiSimplify handled the TDS, the GPA, the bank, all of it. Genuinely simplified.”
“Gaurav, I can't thank you enough. The Form 128 (formerly Form 13) certificate saved us nearly ₹50 lakh. This extra cash flow helped us buy our new house with much less stress.”
“Five years of confusion about my NRO account, sorted in two weeks. The only advisor that actually coordinates everything in one place.”
“Highly recommend NRiSimplify for any NRI with property in India. Professional, precise and refreshingly clear. Thank you, Gaurav & team.”
“The clarity was worth everything. We finally understood our own tax position, and exactly what to do next.”
“DTAA foreign tax credit explained clearly in a single call. No jargon, no upsell, just the answer.”
“They replied within the hour, every time. It never once felt like I was managing this from another country.”
“Gaurav personally walked my father through the GPA, step by step. That kind of patience is rare.”
“A genuinely coordinated team. They made the complex feel routine, and kept us informed at every stage.”
“₹0 travel. I still can't quite believe it. Everything, start to finish, handled from where I live.”
“Opened my NRE and NRO accounts remotely, never set foot in a branch. Smooth, fast, properly compliant.”
“I was operating my old SBI account years after becoming an NRI, completely unaware this violated FEMA. NRISimplify flagged it, converted it to NRO and handled everything remotely. A genuine lifesaver.”
“After selling our Pune property, we needed to repatriate ₹2 crore to the UK. NRISimplify structured the remittance with the right purpose codes and negotiated a significantly better exchange rate than what our bank had quoted. Seamless end-to-end.”
“I had been trying to open an NRI account for three months, the bank kept rejecting my documents because of attestation issues. NRISimplify stepped in, told me exactly what was needed, coordinated the video KYC and had my NRE account active within two weeks. Wish I'd found them earlier.”
“My father's property was still in his name 8 years after he passed. NRISimplify handled the mutation and succession certificate without me travelling to India once. Exceptional service.”
“They helped me with Power of Attorney legal validation in Chennai. The entire Sale Deed registration was done on our behalf. Completely seamless from London.”
“Three siblings, ancestral agricultural land near Ludhiana, no mutation done, we thought it would take years. NRISimplify resolved title, completed documentation, and had the property sold within 7 months.”
“NRISimplify not only filed my current year return but also helped me get a refund for past years. The dedicated CA understood NRI tax nuances that my previous advisor simply missed.”
“Sold my Bangalore flat and had real concerns about the capital gains and TDS implications. The team handled everything, from TDS compliance to ITR filing, with complete peace of mind.”
“Received a tax notice and didn't know what to do. NRISimplify drafted the response and handled the entire process. It was resolved within 3 weeks. Highly recommend their premium plan.”
Common Questions
Everything NRIs ask before initiating a high-value remittance.
What is the difference between Form 15CA and Form 145?
Is Form 15CB / Form 146 always required?
What is the USD 1 million repatriation limit?
How do I avoid TCS on outward remittances?
Can I split remittances to stay under the TCS threshold?
What RBI purpose code applies to property sale repatriation?
How long does the process take?
What documents do I need?
Move Your Money
Confidently & Securely
Form 145, Form 146, Form A2, the right purpose code, 0% TCS, every piece, prepared in-house. No rejected wires, no blocked funds.
Our suite of services five lines, one platform.
Every NRI decision touches more than one discipline. Pick the one you need, we run them as a single, coordinated system.