Foreign Remittance Services

Form 15CA & 15CB Filing for Foreign Remittance in Dwarka Delhi

Need to send money abroad? Banks require Form 15CA & 15CB for foreign remittances above ₹5 lakh. Get CA certified Form 15CB for NRI property sale, education abroad, foreign investment, overseas payments. Same day service in Dwarka!

CA Certified 15CB
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Understanding

What is Form 15CA and Form 15CB?

Essential documents for foreign remittance from India

DECLARATION

Form 15CA

Declaration by Remitter - Form 15CA is an online declaration submitted by the person making the foreign remittance. It contains details of the payment, recipient, and tax deducted.

  • Filed online on Income Tax Portal
  • Submitted to Authorized Dealer (Bank)
  • Contains payment & recipient details
  • 4 Parts: A, B, C, D based on amount & nature
Who Files: Remitter (Person sending money)
CA CERTIFICATE

Form 15CB

CA Certificate - Form 15CB is a certificate issued by a Chartered Accountant certifying the nature of payment, applicable TDS rate, and DTAA benefits if any.

  • Issued by Chartered Accountant only
  • Required for remittances > ₹5 lakh
  • Certifies applicable tax rate
  • DTAA benefits certification
Who Issues: Chartered Accountant (CA)
Form 15CA Parts

Which Part of Form 15CA Do You Need?

Form 15CA has 4 parts based on remittance amount and nature

PART A
Remittance ≤ ₹5 Lakh (Single FY)

For payments up to ₹5 lakh in a financial year where payment is chargeable to tax. No CA certificate (15CB) required. Self-declaration by remitter is sufficient.

15CB NOT Required
PART B
Payment Not Chargeable to Tax

For remittances of any amount where payment is not chargeable to tax under Income Tax Act (covered under specific exemptions). No CA certificate required.

15CB NOT Required
PART C - MOST COMMON
Remittance > ₹5 Lakh (Taxable)

For payments exceeding ₹5 lakh where payment is chargeable to tax. Form 15CB from CA is mandatory. This is the most common scenario for NRI property sales, education, investments.

15CB REQUIRED
PART D
Section 195(2)/195(3)/197 Orders

For remittances where lower/nil TDS certificate has been obtained from Income Tax Department under Section 195(2), 195(3), or 197.

With IT Order
15CB Certificate Required When Remittance Exceeds
₹5,00,000

Per Financial Year (April to March)

Use Cases

When Do You Need Form 15CA 15CB?

Common scenarios requiring these forms for foreign remittance

NRI Property Sale

Selling property in India and repatriating sale proceeds abroad. TDS is deducted u/s 195 and 15CB certifies the tax compliance.

Education Abroad

Paying tuition fees, living expenses for students studying in USA, UK, Canada, Australia, Germany. LRS limit applies.

Foreign Investment

Investing in foreign stocks, mutual funds, real estate abroad under LRS. 15CA required for amounts above threshold.

Gift to NRI Relative

Sending gift to NRI children, spouse, relatives abroad. Gift tax implications and 15CB certification needed.

Business Payments

Import payments, royalty, technical service fees, commission to foreign parties. TDS under Section 195 applies.

Immigration / Settlement

Transferring funds for permanent settlement abroad, PR application requirements, initial settlement expenses.

TDS Rates

TDS Rates for Foreign Remittance

Applicable TDS rates under Section 195 for NRI payments

Property Sale (LTCG)
20%

+ Surcharge + Cess

Property Sale (STCG)
30%

+ Surcharge + Cess

Royalty / Fees
10%

Technical Services

Interest Income
20%

Without DTAA benefit

DTAA Benefits: If India has Double Taxation Avoidance Agreement with the recipient's country, lower TDS rates may apply. Form 15CB certifies the applicable rate considering DTAA provisions. Countries like USA, UK, Canada, UAE, Singapore have DTAA with India.
Process

How 15CA 15CB Filing Works

Step-by-step process for foreign remittance compliance

Share Documents

Invoice, Agreement, PAN, Bank details

TDS Calculation

Determine applicable TDS rate

15CB by CA

CA issues Form 15CB

15CA Filing

Online submission on IT portal

Bank Submission

Submit to bank for remittance

Documents Required
PAN Card of Remitter
Agreement / Contract / Invoice
Purpose of Remittance
Recipient Details (Name, Address, Country)
Bank Account Details
TDS Challan (if deducted)
Tax Residency Certificate (for DTAA)
Property Documents (for sale proceeds)
Important Notes
15CB must be obtained BEFORE 15CA filing
15CA validity: 15 days from generation
Bank won't process without valid 15CA
TDS must be deposited before filing
DTAA benefit needs TRC from recipient
Separate 15CA for each transaction
Pricing

Form 15CA 15CB Filing Packages in Dwarka

Affordable pricing for foreign remittance compliance

Form 15CA Only

For Part A/B (≤ ₹5 Lakh)

₹999₹1,999
Per form
  • 15CA Part A or B Filing
  • Online Submission
  • Acknowledgment
  • Bank Format
  • Same Day Service
Get 15CA

15CA + 15CB Package

Complete filing (> ₹5 Lakh)

₹3,499₹6,999
Per transaction
  • Form 15CB by CA
  • Form 15CA Part C Filing
  • TDS Rate Calculation
  • DTAA Benefit Analysis
  • Bank Ready Documents
  • Same Day Delivery
Most Popular

NRI Property Package

Complete repatriation support

₹7,999₹14,999
Per property
  • Everything in 15CA+15CB +
  • Capital Gains Calculation
  • TDS Deposit Assistance
  • Lower TDS Application
  • ITR Filing Support
  • Repatriation Guidance
For NRI Property
LRS

Liberalised Remittance Scheme (LRS)

RBI scheme for foreign remittance by resident Indians

What is LRS?

The Liberalised Remittance Scheme (LRS) allows resident Indians to remit up to USD 250,000 per financial year for permitted current or capital account transactions without RBI approval.

Permitted Transactions under LRS:
  • Education abroad (tuition, living expenses)
  • Medical treatment overseas
  • Foreign travel (private/business)
  • Gift / donation to relatives abroad
  • Investment in foreign shares / property
  • Maintenance of close relatives abroad
  • Opening foreign currency account
Annual LRS Limit
$250,000

Per Person Per Financial Year

TCS on LRS Remittance

Tax Collected at Source (TCS) applies on LRS remittances:

  • 5% TCS - Education funded by loan
  • 20% TCS - Other purposes (above ₹7 lakh)
  • 5% TCS - Medical treatment / Education (above ₹7 lakh)
FAQs

Form 15CA 15CB FAQs - Dwarka Delhi

Form 15CA is a declaration by the remitter (person sending money abroad) submitted online to the Income Tax Department. Form 15CB is a certificate from Chartered Accountant certifying the nature of payment, applicable TDS rate, and DTAA benefits. These forms ensure tax compliance for foreign remittances and are mandatory for banks to process outward remittances. Without 15CA, banks cannot transfer money abroad for taxable payments.

Form 15CB from CA is required when: (1) Foreign remittance exceeds ₹5 lakh in a financial year, AND (2) The payment is chargeable to tax under Income Tax Act. For Part A (≤₹5 lakh taxable) and Part B (not taxable), CA certificate is NOT required. Most NRI property sales, large education payments, business payments need 15CB. Our Dwarka CA office provides same day 15CB certificates.

Yes, for education remittances: (1) Payments ≤ ₹5 lakh: Form 15CA Part A only (self-declaration). (2) Payments > ₹5 lakh: Form 15CA Part C + Form 15CB from CA required. Education fees are generally not taxable in India, but documentation is required. Universities in USA, UK, Canada, Australia typically receive payments through proper banking channels requiring 15CA. Also applicable: TCS at 5% on amounts above ₹7 lakh (0.5% if education loan).

Yes, mandatory for NRI property sale repatriation. When NRI sells property in India: (1) Buyer deducts TDS under Section 195 (20% LTCG / 30% STCG + surcharge + cess). (2) After TDS, balance amount can be repatriated. (3) Form 15CB from CA certifies capital gains calculation and TDS deduction. (4) Form 15CA Part C is filed online. (5) Bank processes remittance on receiving 15CA. We handle complete NRI property repatriation from our Dwarka office. Tip: Apply for lower TDS certificate u/s 197 to reduce TDS.

DTAA (Double Taxation Avoidance Agreement) is a treaty between India and other countries to prevent taxing same income twice. Benefits: (1) Lower TDS rates than domestic rates. (2) Exemption from tax in one country. (3) Tax credit for taxes paid. India has DTAA with 90+ countries including USA, UK, Canada, UAE, Singapore, Australia, Germany. To claim DTAA benefit: Recipient must provide Tax Residency Certificate (TRC). Form 15CB certifies the DTAA benefit applicable. Our CA analyzes DTAA provisions to minimize your tax outgo.

Same day delivery available at our Dwarka office. Timeline: (1) Share documents by morning → 15CB ready by evening. (2) Regular service: 24-48 hours. (3) Complex cases (property, DTAA): 2-3 days. Process: You share documents → CA reviews → TDS rate determined → 15CB generated on IT portal → You file 15CA → Submit to bank. Validity: 15CA is valid for 15 days from generation. Plan your remittance accordingly.

Consequences of non-compliance: (1) Bank will reject the remittance request - banks are mandated to collect 15CA. (2) Penalty under Section 271-I: ₹1 lakh for failure to furnish information. (3) Disallowance of expense for business payments. (4) Interest liability on TDS not deducted. (5) Prosecution in severe cases. Exception: Some specified payments (like small personal remittances under ₹5 lakh in Part B category) have relaxed requirements. Always consult before remitting.

Our pricing: Form 15CA only: ₹999 (Part A/B, no CA certificate needed). 15CA + 15CB Package: ₹3,499 (complete filing with CA certificate). NRI Property Package: ₹7,999 (includes capital gains, TDS assistance, repatriation support). Additional services: Lower TDS application (₹2,999), DTAA benefit claim (included in package). These are competitive rates for Dwarka, Uttam Nagar, Janakpuri area. Same day service available. Contact +91-8750051664.
Service Areas

15CA 15CB Filing Services in Delhi NCR

Serving clients across Delhi and NRIs worldwide

Dwarka

All Sectors 1-23, Dwarka Mor, Ramphal Chowk, Pappankalan

West Delhi

Uttam Nagar, Nawada, Mohan Garden, Bindapur, Hastsal

Janakpuri Area

Janakpuri A-D Blocks, Tilak Nagar, Vikaspuri, Subhash Nagar

NRIs Worldwide

USA, UK, Canada, UAE, Australia, Singapore, Germany & more

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🌍 Need Form 15CA 15CB for Foreign Remittance?

Get CA certified Form 15CB same day. Bank accepted. NRI property sale, education abroad, investment & more.

Get 15CB Now Call: +91 8750051664