Repatriation of Funds for US-Based NRIs

Specializing in401(k) & IRA Repatriation, RNOR Window Timing, DTAA Tax Relief, FBAR & FATCA Filing, Form 15CA & 15CB, NRE, NRO & RFC Accounts, US Estate Tax Planning, Property Sale Repatriation, Foreign Tax Credits, FEMA & RBI Compliance

Get expert guidance from our CPAs and RIAs on moving your money between the US and India.

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RIAs & CPAs
Certified cross-border advisors
30+ years
Cross-border tax expertise
US & India
Compliance handled together
Fiduciary
Client interests first
The problem

Why Repatriation Gets Complicated for US-Based NRIs

Two tax systems, two sets of rules, and no single advisor who sees both. That gap is where most NRIs end up losing money.

The India to US Paperwork Delay
Moving money from India to the US usually needs Form 15CA and 15CB filed first. Banks rarely flag this until your wire is delayed, and FEMA sets its own limit on how much can move at once.
The RNOR Window That Closes Too Fast
After you move to India, a short RNOR window lets you withdraw your 401(k) or IRA at lower tax. Miss it, and taxes plus a 10% penalty can take close to half.
The Tax That Follows You to the US
TDS is deducted in India before your property, inheritance, or NRO money reaches the US. Without DTAA credit planning, that tax does not offset what you owe here, and you overpay.
Where we help

These are the situations we handle every week.

If any of these sound like your situation, you are in the right place.

01 / 09

You are moving back to India and need to bring your 401(k) or IRA home

Why InvestMates

Repatriate your funds with clarity, not confusion

Most NRIs juggle one CA in India, a different CPA in the US, and no one owning the whole picture when they repatriate money. InvestMates handles both sides together, so nothing gets missed and you do not overpay.

  • Time your 401(k) and IRA withdrawals to your RNOR window to lower the tax
  • Handle the India side: Form 15CA/15CB, TDS recovery, and account setup
  • Handle the US side: FBAR, FATCA, DTAA credits, and estate tax exposure
  • A clear plan for what to move now, what to keep in dollars, and when
InvestMates advisor helping NRI with repatriation of funds
NRI moving property sale proceeds from India to the USA

Fund Repatriation From India to the USA - Made Easy

Sending property, an inheritance, or NRO savings to the US? The wire is the easy part. What decides whether you overpay or get flagged is everything around it, and that is the part we handle.

  • Cost basis rebuilt on inherited Indian shares
  • A straight answer on cash-and-check property deals
  • Gain or loss calculated after currency conversion
  • Compliance clean before you sell, not after
What we cover

We cover every part of the repatriation process,
from the first decision to the final filing.

NRI advisors handling a repatriation engagement
Before or during your move
  • Map your RNOR window and exactly how many days you have to act
  • Plan 401(k)/IRA withdrawals to reduce combined US and India tax
  • Advise on NRE, NRO, RFC, or FCNR accounts for incoming funds
  • Decide what to bring to India now and what to keep in dollars
Form 15CB, 15CA & TDS
  • Arrange Form 15CB certification through a CA in India
  • File Form 15CA on your behalf
  • Recover excess TDS through your India ITR where it is owed
  • Handle FEMA limits and any RBI approval
FBAR, FATCA, FTC & estate tax
  • File FBAR and handle FATCA for the years your accounts were held
  • Apply the Foreign Tax Credit under DTAA so income is not taxed twice
  • Flag US estate-tax exposure on your US assets as a non-resident
  • Clean up PFIC traps (foreign funds, ULIPs) and past filing gaps
Long-term & recurring transfers
  • A documented, repeatable process for future India income or transfers
  • A plan for what stays in USD and what moves, as the rupee moves
  • Where the money goes once it lands, a goal-based investment plan
  • Ongoing support as your residency and situation change
Your advisors

Meet the experts

A US-based CPA and a cross-border financial advisor, both with direct experience handling NRI funds repatriation.

Krishnan Subramanian
CPA · Cross-Border Tax Advisor
Krishnan Subramanian
CPA and Cross-Border Tax Advisor · 30+ years

Krishnan has over 30 years in US and India taxation. He plans RNOR-timed 401(k) and IRA withdrawals, handles FBAR, FATCA, PFIC, DTAA, and cross-border capital gains, and coordinates directly with Indian CAs on Form 15CA and 15CB. He also advises non-resident clients on US estate tax and represents them before the IRS.

Shabrish Menon
RIA · Investment Advisor
Shabrish Menon
Wealth & Investment Planning · 15+ years

Once your money is in India, or deliberately kept in dollars for goals like your children's US education, Shabrish designs a goal-based plan for it. With 15+ years guiding professionals and executives, he makes sure each decision fits your long-term financial picture.

Here is how a repatriation engagement with InvestMates works

Book a discovery call

We understand where your money is, whether you are planning a move or already in India, your RNOR timeline, and your goal. You leave the call knowing whether your case needs simple execution or deeper planning.

InvestMates advisor for repatriation planning
We map requirements across India and the US

Before any transfer starts, we define every document, filing, and dependency in sequence. You know exactly what must happen first and what can run in parallel.

Your compliance map
RNOR window & 401(k)/IRA timingMapped
Form 15CA / 15CBMapped
Account structure (NRE/NRO/RFC)In progress
FBAR / FATCA impactIn progress
DTAA / Foreign Tax CreditIn progress
US estate-tax exposureIn progress
Execution and filings close the loop

We coordinate execution with your bank and CA, and align US reporting so there are no loose ends after your cash repatriation. You finish with a clean, auditable trail on both sides.

Final outputs
RNOR-timed withdrawal plan
Form 15CB certification
Form 15CA submission
Transfers completed (both directions)
FBAR & US reporting aligned, DTAA credit documented
Next-transfer playbook (if needed)

What clients say after working with us

Ganesh
Ganesh
Returned to India from the US

I moved back to India with most of my savings still in a 401(k) and no idea how to bring it home without losing half to tax. InvestMates mapped my RNOR window, timed the withdrawals around it, and handled both the US and India side together. On my own I would have missed the window completely.

Nandini Kulkarni
Nandini Kulkarni
San Jose, California

Once I updated my status, my US brokerage stopped letting me buy and even issued me the wrong tax form. InvestMates sorted out the US reporting, told me exactly what to say to the broker, and moved my funds cleanly. That clarity alone was worth the call.

Pradeep Nair
Pradeep Nair
Seattle, Washington

After my father passed away, I inherited funds in India and was getting a different answer from every bank and relative. The team explained what I could actually repatriate, coordinated with the CA and bank directly, and made sure it was reported correctly in the US too. I only wish I had reached out earlier.

Rahul Srinivasan
Rahul Srinivasan
Austin, Texas

I sold an apartment in India and my bank kept asking for documents I had never heard of. InvestMates handled the entire 15CA/15CB process, coordinated directly with the bank, and made sure the capital gain was reported correctly in the US as well. What felt overwhelming at first ended up being surprisingly smooth.

Vivek Deshpande
Vivek Deshpande
Edison, New Jersey

I had no idea US estate tax could take 40% of my US assets as an NRI. They flagged it early and helped me decide what to bring to India now and what to keep in dollars for my kids. It felt like real planning, not just moving money from one account to another.

Frequently asked questions

Understand repatriation before you get started

Repatriation advisor

Need help with your repatriation plan?

Book a free call and get clear guidance on India paperwork, bank transfers, and US reporting so your repatriation is done correctly.

Get your repatriation done right.
Start with a free call.

Whether you are planning your move or already in India, and unsure what you will owe or how to repatriate money from India to USA, we will tell you exactly what your situation needs before you commit to anything.