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NRI Repatriation Calculator
Estimate how much of your Indian income or asset-sale proceeds you can repatriate to the US after Indian taxes — and how it compares to the RBI's USD 1 million/year NRO limit.
⚠ Estimate only — NOT tax or legal advice
Tax rules and repatriation limits change. Rates shown are based on published rules as of AY 2025-26 / FY 2024-25 and have not been independently verified — the site owner must confirm accuracy before relying on this calculator. Individual circumstances, surcharges, DTAA benefits, and applicable account type (NRO/NRE) significantly affect the real outcome. Consult a qualified cross-border CA or tax professional before making repatriation decisions.
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Enter total INR amount before any TDS deduction.
Base statutory rate (no treaty benefit applied). US-resident NRIs may qualify for 15% under India-US DTAA Art. 11 with a Tax Residency Certificate (IRS) + Form 10F — adjust to 15% if your CA confirms DTAA applies.
4% cess on all India income tax since Finance Act 2018. Change only if rules have changed.
NRO accounts only: The USD 1M cap applies to NRO accounts specifically — per Indian financial year (April–March), not the calendar year. NRE and FCNR accounts are freely repatriable with no annual cap. Surcharges on amounts above ₹50 lakh are not modelled here.
Rules applied: AY 2025-26 / FY 2024-25. NRO annual limit: USD 1,000,000 per Indian financial year (April–March).
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NRO repatriation limit: USD 1,000,000 per Indian financial year (April–March) — RBI FEMA.13(R)/2016-RB. NRE and FCNR accounts are freely repatriable with no cap. This estimate covers base TDS + cess only — no surcharges, no DTAA adjustments. India-US DTAA Article 11 can reduce NRO interest TDS from 30% to 15% with a Tax Residency Certificate (from the IRS) and Form 10F filed with the Indian bank — consult a CA to claim this. Repatriation requires Form 15CA/15CB filings (renamed Form 146/Form 145 under the Income Tax Act 2025, from April 1, 2026).
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