Form 15CA & 15CB — remit abroad, correctly

Paying a non-resident? Banks need Form 15CA and, often, a CA-certified 15CB. We determine taxability and DTAA, issue 15CB and file 15CA so your remittance clears.

What it is

When money is remitted from India to a non-resident, the Income Tax Act requires a declaration in Form 15CA, and for many payments a chartered accountant’s certificate in Form 15CB confirming the correct tax treatment (including any relief under a Double Taxation Avoidance Agreement). Banks ask for these before processing the remittance.

Who should register

Businesses and individuals making payments abroad — imports of services, royalties, fees, dividends and similar remittances.

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Why register

Bank-ready remittance

Banks require 15CA/15CB before releasing most foreign payments.

Correct TDS & DTAA

We apply the right tax rate and any treaty relief to avoid over- or under-deduction.

CA-certified

Our experts issue the 15CB certificate where required.

Compliant & fast

Proper certification keeps your remittance moving without delays.

Documents you'll need

  • Details and purpose of the remittance
  • Invoice/agreement with the non-resident
  • PAN of the remitter
  • Non-resident’s details and tax residency
  • Bank details for the remittance

How it works

  1. Assess taxability and DTAA applicability
  2. Determine the correct TDS treatment
  3. Issue Form 15CB (CA certificate) if required
  4. File Form 15CA on the e-filing portal
  5. Provide documents to your bank
  6. Advise on TDS deposit, if applicable

Frequently asked questions

When is 15CB required?

15CB (a CA certificate) is required for many taxable remittances above certain limits; smaller or specified payments may need only 15CA. We confirm for your case.

What is Form 15CA?

It is an online declaration by the remitter about the payment and tax deducted, filed before the remittance.

Does DTAA reduce the tax?

A tax treaty can lower the rate on certain payments; we apply it where available with the right documentation.

Why does the bank ask for these?

Banks must ensure tax compliance on foreign remittances and require 15CA/15CB as proof.

Note: The tax treatment of a foreign remittance depends on the nature of the payment and the applicable tax treaty. We advise based on the details you provide and current law.