If your bank has asked you to submit Form 145 and Form 146, you’re likely trying to send money abroad or transfer funds from your NRO to NRE account. Form 145 and Form 146 are the mandatory requirements if you are sending money from India to a foreign country or if you are transferring money from your NRO account to NRE account.
This situation is extremely common with banks like HDFC, ICICI, SBI, Axis and all other Big Banks and the confusion usually starts because these forms are new names.
We are providing you the whole idea on what it is and how quick can this be done and what the cost is.
What are Form 145 and Form 146?
Under the updated Income Tax framework (2026):
- Form 145 = Earlier Form 15CA (Self-declaration by taxpayer)
- Form 146 = Earlier Form 15CB (CA certificate for tax compliance)
These forms ensure that:
- Proper taxes are paid (if applicable)
- The remittance is legally compliant
- Banks can process your request without regulatory risk
Why Banks Ask for Form 145 / 146
When you initiate a remittance request, banks are required to comply with:
- Income Tax Act provisions
- FEMA regulations
Banks like:
- HDFC Bank (for NRO outward remittance and other foreign remittences)
- ICICI Bank (international transfers and nro to mre transfers)
- SBI (foreign remittance, nro to nre remitance)
Will not process your transaction unless these forms are submitted.
When Are These Forms Required?
You will typically need Form 145 & 146 in cases like:
- NRO to NRE transfer
- Sending money abroad to family
- Paying foreign vendors
- Investing outside India
- Repatriation of income
- Advance payment to purchase
Documents Required
To issue Form 146 (CA certificate), you will need:
- PAN card
- Bank details through which remittance is being made (IFSC code, Bank name)
- Source of funds (salary / PF/ rent / sale / gift etc.)
- Remittance details
- Your KYC details such as proof of pan in many cases
Timeline (Very Important for Bank Deadlines)
- Document review: 1–2 hours
- Form 146 (CA certificate): Same day
- Form 145 filing: Immediate
Total time: 2–6 hours
What Happens If You Don’t Submit?
- Remittance gets rejected
- Funds get stuck
- Bank may put compliance hold
- Delay of 3–7 days or more
Pricing
Starts at 2999/- (all-inclusive, no hidden charges)
Need Urgent Help?
If your bank has already raised a request — this can be completed the same day. Go fill Tax Vic contact form for instant response.
FAQs for Form 145 and Form 146
1. What is Form 145 for foreign remittance in India?
Form 145 is a self-declaration required before sending money abroad, confirming tax compliance. This is done via your income tax login. Your CA can help you do same.
2. What is Form 146 CA certificate for remittance?
Form 146 is issued by a Chartered Accountant certifying that applicable taxes on remittance have been paid. Or if taxes are not applicable then it is verified via this form 146 which was earlier called Form 15 CB.
3. Is Form 145 and 146 mandatory for NRO to NRE transfer?
Yes, in most cases banks require both forms before approving NRO to NRE transfer.
4. Which banks require Form 145 / 146?
Banks like HDFC, ICICI, SBI, Axis typically require these forms for outward remittance.
5. How long does Form 145 and 146 take?
With proper documentation, it can be completed within 2–6 hours.
