Is Form 15CA Required for Every Foreign Remittance?

I sold a flat in Bengaluru while living in Australia and repatriated part of the proceeds last year.

My bank asked me for Form 15CA, Form 15CB, proof of TDS, the sale deed, and my PAN details. My CA prepared the tax forms after verifying the tax calculations, and the bank accepted the remittance request.

One thing I learned is that different banks may have slightly different document checklists in addition to the statutory forms. I called the bank beforehand and requested their complete list, which saved me an extra visit.

My experience was different because the remittance wasn't related to property or rental income.

I sent funds abroad from my NRE account, and the bank didn't ask for Form 15CB. They only requested the standard remittance documents and explained that the documentation requirements depend on the nature of the transaction.

That's why I wouldn't assume every foreign remittance has exactly the same paperwork. It seems banks review the purpose of the remittance first before deciding what they need.

I transferred rental income from my NRO account to Canada earlier this year.

My bank asked for Form 15CA, a CA certificate in Form 15CB, copies of my PAN, passport, and documents showing that the taxes had been paid. The bank explained that because the remittance involved taxable income, they wanted both forms before processing it.

The paperwork took a little time, but once everything was submitted, the transfer was completed without any issues.