Remit Abroad Without Delays — CA-Certified 15CB + 15CA [new-146+145], Done Right
When an Indian entity (resident or NRI) remits money abroad — for import of services, salary to overseas employees, royalty, technical fees, dividends, loan repayments, or any other payment to a non-resident — the bank requires a Form 15CA [new-145] (declaration by the remitter) and in most cases a Form 15CB [new-146] (certificate by a Chartered Accountant) before processing the remittance. These forms ensure compliance with Section 195 of the Income Tax Act — the provision that mandates deduction of TDS on payments to non-residents.
Form 15CB [new-146] is issued by a CA after determining: the nature of the payment, the applicable DTAA provisions between India and the recipient's country, the correct TDS rate (treaty rate vs. domestic rate — whichever is lower), and the FEMA classification of the transaction. Incorrect classification can result in bank rejection, FEMA violations, and income tax liability. VITTAX's CA team analyses every remittance for correct treaty application, prepares accurate 15CB certificates, and files 15CA [new-145] on the IT portal — typically within 24–48 hours of receiving the required information.
Who Needs This?
Documents Required
🏢 Remitter Details
💸 Remittance Details
📋 Tax Documents
Pricing
Single Certificate
₹1,499 per certificate
Per remittance 15CB + 15CA [new-146+145]
Ideal for: Businesses or individuals making a one-time or occasional foreign payment
Recurring Remittance Package
₹999/certificate (min 3) | ₹4,999/month
For businesses with monthly/quarterly payments
Ideal for: Companies making regular foreign payments — import of services, expat salary, royalty
Frequently Asked Questions
Is Form 15CB [new-146] required for all foreign remittances?
Not for all. Form 15CB [new-146] is not required for: remittances that don't attract TDS under Section 195 (e.g., import of goods, personal gifts up to limits, specified exempt payments). For low-value remittances below ₹5 lakhs per year in certain specified categories, only Form 15CA [new-145] Part-A is required without 15CB [new-146]. VITTAX determines applicability for each transaction.
Can I remit money without 15CA/15CB [new-145/146] ?
Banks will generally not process a foreign remittance without 15CA (and 15CB where required). Remitting without the required forms is a violation of the Income Tax Act and FEMA — attracting penalty under Section 271-I of the Income Tax Act (₹1 lakh) and FEMA penalties.
⚡ Common Remittance Types
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