Records to collect
- NRO statement and source-of-funds evidence
- Tax computation and challans
- Property or investment records
- Bank checklist and beneficiary details
NRI cornerstone guide
NRO Remittance, Form 145 (formerly Form 15CA) and Form 146 (formerly Form 15CB) Guide
An NRO remittance involves more than a tax result: source of funds, withholding, final tax, forms, certificates and bank review can all matter. Model cash first, then confirm the bank’s current documentary requirements.
Reviewed for Tax Year 2026-27 on 2026-08-25.
Start here
Three things to do before relying on an answer
1. Begin with your facts
Identify the exact remittance source
2. Keep the evidence ready
NRO statement and source-of-funds evidence • Tax computation and challans
3. Treat this as a planning path
Use the workflow and official links to verify the rule, form and date that apply to you.
Planning workflow
- 1Identify the exact remittance source
- 2Reconcile withholding and final Indian tax
- 3Confirm current form/certificate requirements
- 4Submit only through the authorised dealer’s process
Use a relevant tool
Official sources cited in this guide
Verify the current rule
Questions to answer before you act
An NRO remittance involves more than a tax result: source of funds, withholding, final tax, forms, certificates and bank review can all matter. Model cash first, then confirm the bank’s current documentary requirements.