Track your NRO-account remittances — rent, dividend, interest, pension, gifts and eligible property sale proceeds — against the combined USD 1 million annual repatriation limit, financial year by financial year.
Your Repatriation Tracker
Add each NRO remittance made during the financial year. Your data stays on this device — nothing is sent to any server.
| Date | Description | Category | Amount (₹) | Amount ($) |
|---|
How the USD 1 million NRO limit works
Under the RBI framework, funds transferred abroad from an NRO account are subject to a combined limit of USD 1 million per financial year. This is a single pooled limit per person — not a separate USD 1 million allowance for each property, each transaction or each category of income.
Rent, dividend, interest, pension, gifts, and property sale proceeds that fall within the NRO repatriation framework — all combined, from the same NRO account.
Funds held in NRE and FCNR accounts can generally be repatriated without this restriction, since they represent foreign funds already remitted to India.
Within the prescribed limit, separate RBI approval is generally not required, provided the required banking and tax documentation is completed for each remittance.
Property sale proceeds: it depends how the property was funded
| How the property was originally funded | Repatriation treatment |
|---|---|
| Purchased using foreign funds through an NRE or FCNR account | The original purchase amount can generally be treated separately from the USD 1 million NRO limit. The gain/profit portion is credited to NRO and falls within the combined annual limit. |
| Purchased using Indian rupee income, or acquired through inheritance or gift | Full sale proceeds go through the NRO account and are covered by the combined USD 1 million annual limit. |
Because treatment depends on the original source of funds, log property sale proceeds carefully and verify the applicable split with your bank and a qualified CA before relying on this tracker for a large transaction.
Documentation required for each remittance
- Declaration from the remitter, submitted through the bank.
- Certification from a Chartered Accountant confirming applicable taxes on the amount have been paid.
- From April 2026, the applicable income-tax certification forms are referred to under new form numbers — confirm the current form requirements with your bank or CA before initiating a remittance.
- Proof of the original source of funds where relevant, particularly for property sale proceeds.
NRI Repatriation Tracker FAQs
Is the USD 1 million limit per property or per financial year?
It is a combined annual limit per person, per financial year — not a separate limit for each property or each transaction.
Do NRE and FCNR transfers count toward this limit?
Generally no. Funds in NRE and FCNR accounts can typically be repatriated without the USD 1 million restriction that applies to NRO balances. This tracker is intended for NRO remittances.
Do I need RBI approval to repatriate within the limit?
Within the prescribed USD 1 million annual limit, separate RBI approval is generally not required, provided the required banking and tax documentation is completed.
How is a property sale treated for this limit?
It depends on how the property was originally funded. If bought using NRE/FCNR (foreign) funds, the original purchase amount may be treated separately, with only the gain counted against the NRO limit. If bought with rupee income or inherited/gifted, the full proceeds count.
Is my data saved anywhere online?
No. Entries are stored only in your browser’s local storage on this device. Clearing your browser data will remove them. This tool does not transmit your entries to any server.
Need help with a large NRO remittance?
TaxClear can help with the CA certification, Form 13 lower-deduction planning for property sales, and correct documentation for your repatriation.
Get NRI Taxation Assistance