Guides
The paperwork, in the order it actually happens
Rent, interest, dividends, pension or the proceeds of a sale — it leaves an NRO account the same way, and the form numbers changed on 1 April 2026 while most of what is written about them did not. These explain the sequence, the documents and the timing. They do not interpret your position — that is a Chartered Accountant's job, and we say so on every page rather than blurring the line.
Checked 8 August 2026
NRE, NRO and FCNR — which account holds what
An NRE account holds rupees, not dollars — only FCNR holds foreign currency. What that means for moving money between them, and why a round trip costs the markup twice.
Checked 8 August 2026How to repatriate money from an NRO account
The whole process, whatever the money came from: rent, interest, dividends, pension or a sale. Which forms, which documents, and where NRO-to-NRE differs from a wire abroad.
Checked 7 August 2026Form 145 and Form 146 — what replaced 15CA and 15CB
From 1 April 2026 the remittance forms were renumbered. Which one you file, which one only a Chartered Accountant can issue, and the order they happen in.
Checked 7 August 2026The lower-deduction certificate — §395 and Form 128
On a property sale, tax is withheld on the sale price rather than the gain. The certificate is how that is reduced before the money moves — and it is timing-critical.
What is not here yet
Two explainers still to write: what a correspondent-bank deduction actually is, and why the advice from your bank arrives after the wire has already been priced. They are not published because they are not written, rather than being published thin — a half-guide about someone's tax exposure is worse than no guide.
The charge figures the rate checker uses are also still unverified estimates. When they have been captured from a bank with a recorded method and date, that will be said here and on the disclosures page.
Reading these because of a property sale?
Then the sequence matters more than any single form. Tell us roughly what you are moving and whether the sale has completed, and we will tell you what order the pieces have to happen in — or that we cannot help.
Opens a draft in your own mail app. There is no form on this site, nothing is submitted, and a person replies.