NRI repatriation calculator (NRO to NRE)

You sold the flat, the money sits in your NRO account, and now the real question: how much of it can you actually move abroad, and what stops you? The rule most people trip on is the USD 1 million per financial year limit for repatriating capital from an NRO account. It is not the USD 250,000 LRS limit. That one is for residents, and confusing the two costs people weeks.

This calculator tells you how much you can send this year, what waits for next year or needs RBI approval, and which forms each transfer requires. NRE and FCNR money is a different story: fully repatriable, no cap.

What it does

The USD 1 million NRO scheme, tracked against what you have already sent
The LRS limit kept separate, so you do not confuse the two
Current-year income (rent, interest) repatriable over and above the cap
Form 15CA and 15CB triggers, with the ₹5 lakh threshold built in
A downloadable report with the checklist and the documents

Common questions

How much can an NRI repatriate from an NRO account per year?

Up to USD 1 million per financial year, covering sale proceeds and other capital in the NRO account. Current-year income such as rent, interest, and dividends is repatriable over and above this cap once tax is paid. Amounts beyond USD 1 million in a year need prior RBI approval.

Is the USD 1 million limit the same as the LRS limit?

No. The USD 1 million per year scheme is for NRIs repatriating from an NRO account. The USD 250,000 Liberalised Remittance Scheme limit is for residents sending money abroad. They are different rules for different people, and mixing them up is a common mistake.

Do I need Form 15CA and 15CB to repatriate money?

Form 15CA, your online declaration, is needed for the remittance. Form 15CB, a chartered accountant’s certificate, is required once the remittance crosses ₹5 lakh in the financial year. NRE and FCNR repatriations are freely allowed, but tax on the underlying income must still be settled.

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NRI rental income tax & tenant-TDS calculator — Rent tax from both sides: what you owe, and who must deduct.