What is NRI Repatriation?

AB Posted by: Aniket Bansal
• 09 September, 2025
1 Reply

NRI repatriation means transferring of funds from an NRI indian bank account to an account in a foreign country. This includes the principal amount and the interest earned on it. Although, Reserve Bank of India (RBI) made special conditions for the Repatriation. According to this, NRIs can only transfer funds up to 1 million USD in a single financial year from their NRO account.

However, for the (Non-resident External) NRE account, and (Foreign currency Non-Resident) account are easier. There are no limitations on the transferring of funds from  NRE or FCNR accounts to foreign accounts, including principal amount or interest.

Tags : NRI Repatriation

  • Samar Kulkarni 14 September, 2025

    Here are some of the key points for the repatriation rules and limits: 
     

    1. FEMA (Foreign Exchange Management Act) governs the repatriation process. FEMA makes sure that only legal and legitimate tax funds will be repatriated. 
       
    2. Full transfer of funds is allowed on the NRE account. 
       
    3. On the NRO accounts, you can only do 1 million USD funds repatriation in a financial year after all the tax deductions. 
       
    4. On the FCNR accounts, there are no limitations on repatriation. 
       
    5. For special cases, like property sales, you need to obtain approval from the RBI. 

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