How to transfer money from NRO to NRE account in HDFC online?

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As per RBI guidelines, NRIs are allowed to transfer funds from NRO bank account to NRE account up to a total limit of USD 1 million per financial year. To transfer funds from NRO to NRE, an NRI needs to submit the following documents-

  1. A cheque or a letter for funds transfer from NRO to NRE account signed by the customer
  2. FEMA Declaration
  3. Documentary evidence of source of funds
  4. Form 15CB- It is a form certified by a CA about details of the payment, TDS rate and deductions as per section 195 of the Income Tax Act. It also certifies whether DTAA (Double Tax Avoidance Agreement) is applicable along with details of nature & purpose of the remittance.
  5. Form 15CA - This needs to be uploaded on the income tax website.

Steps To Upload Form 15ca Online:

  1. Visit Income Tax India website.
  2. Click on the e-filling log in page. Enter your PAN as user ID and password
  3. After login, click on E file - Prepare and Submit Online Form (other than ITR)
  4. Select form type -15CA.The 15CA form is available in four parts -Part A, Part B, Part C, and Part D. Fill the applicable part, verify and submit.
  5. Now click on My Account and then on My Returns/Forms tab. It will show all the returns and Forms submitted by you.
  6. Click on the 15CA form and take a print out of the form along with acknowledgement Slip.
  7. Sign on the form and submit 2 copies to the Bank.

Your transfer will be made after the bank processes your application.


  • Certificate in Form 15CB is not required for transferring funds between Rs 50,000 (in a single transaction) and Rs 2,50,000 (total in a financial year). Only Form 15CA needs to be submitted in this case.
  • You need to have both NRO SAVINGS Bank and NRE SAVINGS Bank account with HDFC to transfer funds.
  • Customer should choose only one bank at a time to avail facility of USD 1 million.


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