Repatriation of Funds for US Based NRIs

Whether you are moving property sale proceeds, an inheritance, or NRO savings to the US, or sending money from the US to India, we handle the FEMA compliance, Form 15CA and Form 15CB paperwork, and the US side reporting so nothing gets missed.

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RIAs & CPAs
Certified cross-border advisors
30+ years
Cross-border tax expertise
US & India
Compliance handled together
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The problem

Why Repatriation of Funds Becomes Complicated for US-Based NRIs

You earned and invested across two countries. But moving money between them involves banking rules, FEMA compliance, tax filings, and reporting obligations that most NRIs only discover after a transfer gets delayed or blocked.

The paperwork your bank mentions too late
NRO-to-US transfers usually need Form 15CB and 15CA first — banks rarely flag it until the wire is delayed.
The tax deducted in India that still needs attention in the US
India TDS is deducted upfront, but without proper filing and DTAA credit planning you can overpay or misreport.
The US reporting obligations that continue after the transfer
FBAR and FATCA may still apply once funds land — and missed disclosures can trigger steep penalties.
Where we help

These are the situations we handle every week.

If any of these sound like your situation, you are in the right place.

01 / 09

You sold property in India and need the proceeds in the US

Why InvestMates

Repatriate your funds with clarity, not confusion

Your Indian bank sends the wire and your US bank receives it — but the compliance and tax reporting in between are still yours to handle.

InvestMates manages both the India and US side together, so nothing gets missed.

  • Form 15CA, Form 15CB, TDS documentation, and India ITR support
  • FBAR, FATCA, Foreign Tax Credit, and US tax reporting guidance
  • Direct coordination with your Indian bank or CA
  • Guidance on the right account and transfer setup before moving funds
InvestMates advisor helping NRI with repatriation of funds
What we cover

We cover every part of the repatriation process, from the first decision to the final filing.

NRI advisors handling a repatriation engagement
Before the transfer
  • Review your account structure and source of funds
  • Advise on NRE, NRO, or FCNR account selection
  • Check whether transfer is within FEMA limits
  • Identify whether RBI approval is required
India side compliance
  • Arrange Form 15CB certification through a CA in India
  • Submit Form 15CA on your behalf
  • Calculate whether TDS refund is owed via India ITR
  • Advise on claiming the TDS refund correctly
US side reporting
  • File FBAR for the year the account was held
  • Handle FATCA reporting obligations
  • Apply Foreign Tax Credit under DTAA on your 1040
  • Ensure no double taxation on the same income
Long-term structuring
  • Set up documented structure for recurring India income
  • Clean process for each future NRO transfer
  • No need to restart compliance from scratch each time
  • Ongoing support as your situation evolves
Your advisors

Meet the experts

A US-based CPA and a cross border financial advisor, both with direct experience handling NRI repatriation.

Krishnan Subramanian
CPA · Cross-Border Tax Advisor
Krishnan Subramanian
CPA and Cross-Border Tax Advisor · 30+ years

Krishnan has over 30 years of experience in US and India taxation. He handles FBAR, FATCA, PFIC, DTAA, and cross-border capital gains for NRI clients. He has coordinated directly with Indian Chartered Accountants on 15CA and 15CB matters for property sale repatriation, inheritance transfers, and NRO account closures. He represents clients before the IRS for audits and inquiries.

Shabrish Menon
RIA · Investment Advisor
Shabrish Menon
Wealth & Investment Planning · 15+ years

Once funds move from the US to India, Shabrish helps NRIs put that capital to work — designing a goal-based investment strategy for the repatriated money. With 15+ years guiding professionals and executives, he ensures each decision fits your long-term financial plan.

Here is how a repatriation engagement with InvestMates works

01
Book a discovery call

We understand your source of funds, account type, timeline, and destination. You get immediate clarity on whether your case needs simple execution or deeper planning.

InvestMates advisor for repatriation planning
02
We map requirements across India and the US

Before any transfer starts, we define every document, filing, and dependency in sequence. You know exactly what must happen first and what can run in parallel.

Your compliance map
Form 15CA / 15CBMapped
Bank document checklistMapped
FBAR / FATCA impactIn progress
DTAA / FTC positionIn progress
US tax filing checklistIn progress
Source of funds documentationIn progress
03
Execution and filings close the loop

We coordinate execution with your bank and CA, and align US reporting so there are no loose ends after funds move. You finish with a clean, auditable trail on both sides.

Final outputs
Form 15CB certification
Form 15CA submission
Wire transfer completed
FBAR and US reporting aligned
Foreign Tax Credit position documented
Next transfer playbook (if needed)

What clients say after working with us

Priya Kapoor
Priya Kapoor
Jersey City, New Jersey

I had property sale proceeds sitting in my NRO account for months because every bank conversation ended with more confusion. InvestMates gave me a clear step-by-step plan from the first call itself. They coordinated the India side paperwork, explained the US reporting requirements clearly, and kept me updated throughout the process.

Arjun Mehta
Arjun Mehta
Seattle, Washington

I was preparing to move back to India and wanted to reorganize some of my accounts before my residency status changed. What stood out to me was how proactive the guidance was. They pointed out issues I would never have known about on my own and helped me complete the transfers before they became more complicated.

Sanjay
Sanjay
San Jose, California

After my father passed away, I inherited funds in India and honestly did not know where to start. I was getting different answers from the bank and from relatives. The team helped me understand what I was allowed to repatriate, worked with the CA and bank directly, and made sure the transfer happened without delays. I only wish I had reached out earlier.

Ananya
Ananya
Jersey City, New Jersey

I sold an apartment in Pune and had no idea how complicated moving the money to the US would be. My bank kept asking for documents I had never heard of, and I was worried about making a mistake on the tax side. The team handled the 15CA/15CB process, coordinated directly with the bank, and made sure everything was reported correctly in the US as well. What felt overwhelming at first ended up being surprisingly smooth.

Rajesh
Rajesh
Dallas, Texas

I had been transferring smaller amounts from my NRO account for a while without really understanding the compliance requirements. After speaking with InvestMates, I finally got clarity on what needed to be fixed and how to properly structure future transfers. They explained everything in simple terms and took care of the paperwork without making the process stressful.

Frequently asked questions

Understand repatriation before you get started

Repatriation advisor

Need help with your repatriation plan?

Book a free call and get clear guidance on India paperwork, bank transfers, and US reporting so your repatriation is done correctly.

Get your repatriation done right. Start with a free call.

Your first conversation is free. We will tell you exactly what your situation requires before you commit to anything.