Making Foreign Payments? File 15CA-15CB to Avoid Bank Holds
Banks require Form 15CA (and 15CB CA certificate for amounts above ₹5 lakh) before processing overseas remittances. Big4India's CAs handle the complete filing with DTAA benefit optimization.
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Overview
Form 15CA and Form 15CB are tax compliance documents required for foreign remittances from India. Form 15CA is an online declaration by the remitter, and Form 15CB is a certificate from a Chartered Accountant certifying the nature of payment, applicable TDS rate, and tax treaty benefits.
Banks will not process foreign remittances without a valid Form 15CA uploaded on the Income Tax portal. For payments exceeding ₹5 lakh in a financial year (other than exempted categories), a CA certificate in Form 15CB is also mandatory.
Big4India's CAs handle the complete 15CA-15CB filing — analyzing the payment nature, applying DTAA benefits to minimize withholding tax, certifying the form, and uploading it to the Income Tax portal so your bank processes the payment without delays.
Key Benefits
- Bank compliance — without 15CA, banks will hold your foreign remittance
- DTAA optimization — our CAs apply tax treaty benefits to reduce or eliminate withholding tax
- CA certification — Form 15CB requires a practicing CA's certification, which we provide
- Quick processing — urgent remittances handled on priority
- Correct TDS rate — applying the wrong rate means either overpaying tax or facing penalties
- Complete documentation — properly filed forms protect you from future tax scrutiny
Step-by-Step Process
1-3 business days (urgent processing available for same-day/next-day)
Payment Details Collection
We gather details of the foreign payment — nature of payment, recipient details, country, amount, and any agreement/contract.
Taxability Analysis
We determine if the payment is taxable in India, the applicable TDS rate under domestic law, and whether DTAA benefits apply.
Form 15CB Preparation
For payments above ₹5 lakh, our CA prepares and certifies Form 15CB with the correct taxability analysis and applicable rate.
Form 15CA Filing
We complete and upload Form 15CA on the Income Tax e-filing portal with all relevant details.
Bank Submission
We provide you with the filed forms and acknowledgment to submit to your bank for remittance processing.
Documents Required
- Invoice or agreement for the foreign payment
- Recipient's details (name, address, country, bank details)
- Nature of payment (services, royalty, interest, dividend, etc.)
- PAN of the remitter
- Tax Residency Certificate (TRC) of the recipient (for DTAA benefits)
- Form 10F from the recipient (for DTAA claims)
- Any withholding tax certificate or lower deduction certificate (if applicable)
Transparent Pricing
Pricing based on payment complexity and DTAA applicability.
What's Included
- Taxability analysis of the foreign payment
- DTAA benefit assessment
- Form 15CB CA certification (where applicable)
- Form 15CA preparation and e-filing
- Bank submission documentation
- Dedicated CA for the transaction
- Post-filing support for bank queries
₹0 — No government fee for 15CA-15CB filing. However, any TDS applicable on the foreign payment must be deposited before filing.
Why Choose Big4India
DTAA Expertise
India has tax treaties with 90+ countries. Our CAs know how to apply them to minimize your withholding tax.
Quick Turnaround
standard processing in 1-3 days; urgent same-day processing available for time-sensitive payments.
CA Certification
Form 15CB requires a practicing CA's digital signature. Our CAs are registered and authorized.
Bank Liaison
if your bank has queries about the filing, our CA speaks directly with the bank.
Compliance Protection
properly filed 15CA-15CB protects you from reassessment claims years later.
Volume Discounts
regular foreign payments? Get a retainer package for multiple filings.
Frequently Asked Questions
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