Form 145 & 146 Filing Service for NRIs (formerly 15CA/15CB)
We offer Form 145 and Form 146 (the 2026 replacements for 15CA & 15CB) consulting and filing for NRIs, foreign citizens, and OCI card holders. We arrange a bank-accepted Form 146 certificate from a Chartered Accountant (with UDIN) and file your Form 145 online — for smooth repatriation of funds from India.
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Form 145 & 146 Filing Service for NRIs, OCIs & Foreign Citizens
If you’re sending money out of India — property sale proceeds, rent, interest, dividends, or an NRO transfer — your bank needs the correct Form 145, and a Form 146 from a Chartered Accountant where the payment is taxable. We handle the whole process end to end, so nothing bounces at the bank.
15CA / 15CB is now 145 / 146 — the full mapping
The form numbers changed in 2026, but the compliance is the same idea. Here’s the complete translation:
| What it does | Old (till 31 Mar 2026) | New (from 1 Apr 2026) |
|---|---|---|
| Remitter’s declaration | Form 15CA | Form 145 |
| CA’s certificate | Form 15CB | Form 146 |
| TDS return (payments to non-residents) | Form 27Q | Form 144 |
| Lower/Nil TDS certificate | Form 13 | Form 128 |
| TDS on payments to non-residents (section) | Section 195 | Section 393 |
| Lower/Nil deduction certificate (section) | Section 197 | Section 395 |
| Remittance reporting rule | Rule 37BB | Rule 220 |
Old Form 15CA/15CB remain valid only for remittances completed on or before 31 March 2026.
Which Part of Form 145 applies to you?
Form 145 has four parts. Picking the right one is what makes your bank accept the filing. This is exactly what we get right for you:
Taxable remittance, total to that recipient ₹5 lakh or less this year. No Form 146.
Taxable, over ₹5 lakh, and you hold an AO certificate (Section 395). No Form 146.
Taxable, over ₹5 lakh, no AO certificate. Form 146 (CA cert + UDIN) required.
Remittance not taxable under the Act. No Form 146.
Not sure which one is yours? We confirm it in minutes — and if a CA certificate (Form 146) is needed, we arrange it with the mandatory UDIN.
How the process works
Share your remittance details
Fill a short questionnaire about your transfer and documents. We understand your case from the start.
CA reviews & issues Form 146
Where required, a qualified CA reviews your case and issues a bank-accepted Form 146 certificate with UDIN.
Form 145 filed & bank-ready
We file Form 145 online and hand you the final bundle to submit to your bank for smooth repatriation.
Simple, clear pricing
Guidance, document review, and correct filing of Form 145 on the government portal.
- Step-by-step consulting
- Document checklist & review
- Form 145 filing + acknowledgement
Everything in Option 1, plus CA-prepared Form 146 (with UDIN) and a bank-ready bundle.
- Licensed CA review & Form 146
- Bank-ready documents & checklist
- Priority handling (where available)
Prices exclude government fees, bank charges, or third-party fees. If the CA needs extra documents, we’ll advise the next steps.
File yourself vs use our service
| Feature | DIY | Our service |
|---|---|---|
| Correct portal filing | Depends on your knowledge | We file & avoid rejections |
| Choosing the right Part (A–D) | Easy to get wrong | We confirm it for you |
| Form 146 (CA cert + UDIN) | You must find a CA | We arrange the CA |
| Bank-ready bundle | You prepare | We match your bank’s needs |
| Follow-up & corrections | You manage | We handle it end to end |
Who needs Form 145 & 146?
Repatriating money
Moving funds from NRO/NRE for outward remittance — we prepare the bank-ready bundle.
Payments to non-residents
Fees, royalties, interest, or dividends to non-resident recipients — we check taxability and file correctly.
Companies & banks
When a bank or payer asks for a CA-signed opinion before releasing funds, we make sure Form 146 answers it.
What our clients say
Quick and clear — the CA certificate came in two days. They guided me on the exact proofs my bank wanted, and funds were released without extra questions.
I had a complex invoice and wasn’t sure of the purpose. They explained clearly, prepared the certificate and the filing, and the bank accepted the bundle without delay.
They checked my documents carefully and caught small errors I’d have missed. The filing went through on the first attempt.
My first time repatriating money. Clear checklist, every step explained, calls answered. The final certificate and acknowledgement made the bank process easy.
The CA reviewed all invoices and issued the certificate fast. They handled the portal filing so I didn’t have to learn the steps. Professional service.
I almost filed under the wrong Part; they corrected it and saved me a rejection. Smooth follow-up and I got the acknowledgement quickly.
We assist NRIs globally
Everything is done remotely — we only need clear copies of your documents. No originals, no travel.
🇺🇸 United States
US banks often want a clear Form 146 and Form 145 acknowledgement before clearing transfers from India. We prepare both and note treaty details where relevant.
🇬🇧 United Kingdom
UK banks frequently ask for a CA-signed certificate for NRO transfers. We handle the tax opinion and filing, with DTAA guidance where needed.
🇦🇪 UAE
For NRIs in Dubai and across the UAE, we prepare a clean 145/146 set that matches your bank’s checklist for a fast release.
🇨🇦 Canada
Canadian banks may request a CA opinion to confirm the tax position. We check TDS and treaty relief, then file correctly.
🇦🇺 Australia
A clean Form 145 + 146 set with a clear purpose description keeps the CA review and bank process smooth.
Frequently asked questions
Are Form 15CA and 15CB still valid?
Only for remittances completed on or before 31 March 2026. For any remittance on or after 1 April 2026, you must use Form 145 and Form 146.
What are Form 145 and Form 146?
Form 145 is your online declaration for a foreign remittance (it replaced 15CA). Form 146 is a Chartered Accountant’s certificate on taxability (it replaced 15CB), required in certain cases.
When is Form 146 required?
Only for Part C — a taxable remittance above ₹5 lakh where you don’t hold an Assessing Officer’s certificate. If you have an AO certificate (Section 395), you file Part B and skip Form 146.
Is UDIN mandatory on Form 146?
Yes. The CA must generate a UDIN from the ICAI portal for Form 146 — a new requirement that did not apply to the old Form 15CB. We handle this for you.
Which Part of Form 145 do I file?
Part A (taxable, ≤ ₹5 lakh), Part B (taxable, > ₹5 lakh, with AO certificate), Part C (taxable, > ₹5 lakh, with Form 146), or Part D (not taxable). We confirm the correct Part for your case.
What is the penalty for not filing Form 145?
Up to ₹1 lakh under Section 462 of the Income-tax Act, 2025, for non-filing or inaccurate information — applied per remittance, since the form is event-based.
How long does it take?
Most cases finish in 1–5 working days after we receive your documents. Complex cases may take a little longer depending on CA review.
What documents do I need?
Usually PAN or passport, invoice or purpose letter, bank details, payer details, and any prior tax forms. For a treaty rate, a TRC and Form 10F.
Can I file Form 145 myself?
Yes, the portal allows self-filing — but a wrong Part, missing UDIN, or mismatch can cause rejection. We help you avoid those and re-filing.
My deal was in 2025 but I’m remitting in 2026 — which form?
Form 145 and 146. The date the money actually leaves India governs, not the date of the original transaction.
What is the cost?
Two clear options: ₹3,000 for guidance and Form 145 filing, and ₹5,000 for full service including CA-prepared Form 146. Government and bank fees are separate.
Do you work with banks internationally?
Yes. We prepare documents to match bank checklists across the USA, UK, UAE, Canada, Australia, and elsewhere.
Ready to file your Form 145 & 146?
Fast, remote, and bank-ready. Tell us about your case and we’ll take it from there.