15CA/15CB Certificate
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15CA 15CB Certificate for NRIs — Get It Done Right, First Time
Sending money abroad from India? Then compliance isn’t optional.
At Elevate Accounting & Auditing, we handle your 15CA 15CB Certificate from start to finish — so your remittance goes through without delays or back-and-forth.
- Form 15CA 15CB for NRIs
- Complete documentation & filing support
- Fast coordination with banks for remittance
What is Form 15CA & 15CB?
Under Section 195 of the Income Tax Act, 1961, tax must be deducted on payments made to non-residents.
This is where Form 15CA and 15CB come in:
- Form 15CA → Declaration by the remitter (you)
- Form 15CB → Certification by a Chartered Accountant
When Do You Need a 15CA 15CB Certificate?
Form 15CA (with 15CB where applicable) is needed for most remittances to non-residents, except specific Rule 37BB exemptions:
- Transferring funds from India to a foreign country
- Making payments to non-residents
- Handling NRO to NRE transfer 15CA 15CB cases
- Meeting send money abroad from India NRI compliance requirements
Common Use Cases (For NRIs)
- Property sale proceeds sent abroad
- Rental income transfers
- Investment repatriation
- Family maintenance transfers
Why This Certificate Matters
Different forms apply based on the nature of payment:
- Different forms apply based on the nature of payment: Banks will not process remittance
- Transfers may be delayed or rejected
- You may face compliance issues under tax laws
Step-by-Step Process (How It Works)
See how your application is handled at every stage
Step 1: Set Up Remitter Details to Begin the Filing Process
Gather remitter details and link via Income Tax portal (no pre-CA linking needed)
Step 2: Collect Required Details
From Remitter:
- Name, PAN, address
- Contact details
- Business details (if applicable)
From Remittee:
- Name, country, address
- Business details
Remittance Details:
- Amount & currency
- Nature of payment
- Supporting documents (invoice/agreement)
Bank Details:
- Bank name & branch
- BSR code
Step 3: Prepare & File Form 15CB
- CA prepares certificate
- Upload via Income Tax portal
- Acknowledgment number generated
Step 4: File Form 15CA
- Correct section selected (A/B/C/D)
- Linked with 15CB acknowledgment
- Final submission done
Step 5: Final Documents for Bank
- Signed Form 15CA
- Form 15CB copy
- Submitted to bank for remittance
Our 15CA 15CB Services
We handle the entire process — not just the filing.
Documentation Review & Preparation
- Checking remittance nature and taxability
- Verifying invoices, agreements, and supporting documents
CA Certification (Form 15CB)
- Preparation of Form 15CB
- Digital signing using CA’s DSC
- Upload and acknowledgment generation
Form 15CA Filing
- Selecting the correct part (A, B, C, or D)
- Linking acknowledgment details
- Filing through the Income Tax portal
Remittance Coordination
- Providing completed forms to your bank
- Supporting smooth transfer of funds
- Avoiding back-and-forth with bank RM
End-to-End Support
- From document collection to final submission
- Assistance for 15CA 15CB certificate for NRIs from UAE
- Complete remittance certificate India for NRIssupport
Understanding Form 15CA Sections
| PART | WHEN IT APPLIES |
|---|---|
| Part A | All remittances ≤ ₹5 lakh (taxable or non-taxable) |
| Part B | Remittances > ₹5 lakh with AO certificate u/s 197 (rare) |
| Part C | Taxable remittances > ₹5 lakh with CA certificate (15CB) |
| Part D | Non-taxable remittances (any amount) per Rule 37BB or Sec 5/9 |
Selecting the wrong section can delay your transfer — this is where proper guidance matters.
Why Choose Elevate Accounting & Auditing
Reliable Execution for 15CA / 15CB Compliance
Handling 15CA / 15CB Certificate requirements involves more than just form submission. Accuracy, correct classification, and proper documentation are critical for successful remittance.
Accurate Form Selection & Filing
Each case is reviewed based on the nature and taxability of the remittance. This helps in selecting the correct section of Form 15CA and preparing Form 15CB appropriately.
Timely Processing
A structured approach to documentation and filing helps avoid unnecessary delays and ensures submissions are completed within expected timelines.
Experience with NRI Transactions
Strong understanding of cross-border remittances, including cases involving UAE-based NRIs, helps in handling requirements efficiently.
Bank-Ready Documentation
All forms and supporting documents are prepared in line with banking requirements, reducing the chances of rejection or follow-ups.
Compliance-Focused Approach
Every step is aligned with the provisions of the Income Tax Act and applicable rules, helping maintain proper regulatory.
Move Your Funds with Proper Compliance in Place
If you’re planning a transfer, getting your 15CA 15CB Certificate right is the difference between a smooth process and a stalled one.
With Elevate Accounting & Auditing, every step — from CA certification to final submission — is handled properly.
Get your Form 15CA 15CB for NRIs completed and ready for remittance — without delays or confusion.
Frequently Asked Questions (FAQs) -
When is 15CA 15CB required for foreign remittance?
It is required when you are sending money from India to a non-resident and the payment is taxable under Indian tax laws. Banks usually ask for these forms before processing such remittances.
How to get a 15CB certificate from a CA in India?
You need to provide details of the remittance, along with supporting documents like invoices or agreements. A Chartered Accountant reviews the taxability and issues Form 15CB digitally through the Income Tax portal.
Is 15CA mandatory for NRI remittance from India?
Yes, in most cases. Form 15CA is a declaration by the remitter and is generally required for foreign remittances, unless the transaction falls under specific exemptions defined by the Income Tax Department.
What documents are required for a 15CA 15CB certificate?
Basic documents include PAN, remitter and remittee details, bank details, nature of remittance, and supporting proof like invoices or agreements.
Is 15CB required for all remittances above ₹5 lakh?
Form 15CB is only required for taxable remittances exceeding ₹5 lakh in a financial year. Non-taxable remittances (any amount) use Form 15CA Part D only—no 15CB needed.
How long does it take to complete 15CA and 15CB filing?
If all documents are ready, the process is usually completed within a few working days. Delays typically happen only when details or supporting documents are incomplete.