Free NRI remittance tool
NRI Repatriation Route Checker
Answer a few questions to identify the likely account route, whether the USD 1 million facility may apply, and which documents the bank may request.
Important distinction
Current income and capital funds may use different routes.
Rent, pension, interest and dividend may be treated as current income after tax. Property proceeds, inherited capital, investment sale proceeds and accumulated balances may use the USD 1 million annual facility.
NRI repatriation review
Prepare the bank file before initiating the transfer.
A structured review can reconcile the source, tax position, annual-limit usage and documents before the authorised dealer bank begins its checks.
- Current income versus capital classification
- NRO, NRE and direct-remittance route
- USD 1 million utilisation across banks
- Forms 15CA, 15CB and Form A2 review
Route comparison
| Source | Likely classification | Typical route |
|---|---|---|
| Rent, pension, interest or dividend | Current income | NRO to overseas account or eligible NRO-to-NRE transfer after tax review |
| Property-sale proceeds | Capital funds | NRO route under the applicable annual facility |
| Inherited deposits, investments or proceeds | Inherited capital / later income | Entitlement and transmission first, then NRO remittance route |
| Investment sale or redemption | Capital or investment proceeds | NRO or permitted investment-account route after tax |
| NRE or FCNR balance | Repatriable balance | Generally direct repatriation, subject to bank checks |
Related guides
Understand the route before approaching the bank
Questions
Repatriation route checker FAQs
The result is an indicative banking and compliance route.
What does the NRI Repatriation Route Checker do?
It screens the source of funds, current account, intended transfer route, tax status and annual utilisation to identify a likely FEMA and banking route.
Does the checker approve a remittance?
No. Only the authorised dealer bank can process the remittance, and the final route depends on current law, tax treatment and the documents produced.
Does every NRO remittance use the USD 1 million facility?
No. Eligible capital or accumulated funds may use that facility, while current income such as rent, pension, interest and dividend may follow a separate current-income route after applicable tax.
Are Form 15CA and Form 15CB always required?
No. Their applicability depends on the nature, taxability, amount and current prescribed rules. Banks may also request additional tax documentation.