Repatriation for Gulf NRIs
Forms 15CA and 15CB.
Taxable remittances above ₹5 lakh in the FY need 15CA Part C + 15CB. Below ₹5 lakh use Part A. Non-taxable items on the Rule 37BB Specified List use Part D.
Section 195 + Rule 37BB make these mandatory before your bank can wire money from India to UAE. Pick the wrong Part of 15CA and the AD-I bank rejects it. File without 15CB and Section 271-I lands a ₹1 lakh penalty, per remittance. We file both same-day for existing clients; money typically moves within 48–72 hours.
How Indians in Dubai get money out of India
1
Gather documents
Past ITRs, 26AS, bank statements, source-of-funds proof
2
CA prepares Form 15CB
Verifies tax compliance, calculates applicable tax, issues certificate
3
You file Form 15CA online
On incometax.gov.in, referencing the 15CB. Pick the right Part (A/B/C/D)
4
Submit to your bank
Bank processes the remittance with 15CA acknowledgment