How to Transfer Funds from NRO to NRE Account?

​​​Managing money across borders is simpler with an NRO to NRE fund transfer. It lets NRIs move eligible earnings from India to their NRE Account, making funds easily repatriable and hassle-free to use abroad.

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Ways to Make an NRO to NRE Transfer 

Via InstaServices

  • Visit the InstaServices page. 

  • Enter your Registered Mobile Number along with Date of Birth / PAN / Customer ID.

  • Enter the 6-digit OTP received on your registered mobile number and Email ID.

  • Choose your preferred authentication mode (Debit Card/NetBanking) and click on ‘Continue’.

  • For Debit Card, enter your Card number, Expiry Date, CVV and ATM PIN. For NetBanking, provide your Customer ID and Password/PIN.

  • Select the scheme under which you want to transfer funds.

  • Choose the account from which the funds will be transferred.

  • Agree to the Terms & Conditions and click on ‘Submit’. 

  • Enter the details of the account to which you wish to transfer funds, the amount you want to deposit, and the Source of Funds (from the dropdown menu).

  • Upload all the mentioned documents.

  • Review and accept the Terms & Conditions and FEMA Declaration. Click on ‘Submit’ to proceed.

  • After successful processing, your funds will be transferred from your NRO to NRE Account within 3 working days. 

  • You will receive a confirmation from the bank via SMS, WhatsApp or Email.

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No need for collateral

Via Branch Visit

  • Visit your nearest bank branch.

  • Download or collect the NRO to NRE fund transfer form.

  • Fill in the required details, including account numbers and transfer amount.

  • Attach supporting documents such as:

    • Form 15CA/15CB (issued by a Chartered Accountant for tax compliance).
    • Copy of PAN card.
    • Proof of source of funds in the NRO Account.

  • Submit the form and documents to the branch official.

  • The bank will verify and process the transfer as per RBI guidelines.

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Requirements For an NRO TO NRE Fund Transfer

Before initiating the fund transfer, ensure that:

  • You are KYC compliant
  • Your PAN is up to date
  • You have both NRO and NRE Accounts with HDFC Bank (If you don’t, you will not be able to make the transfer)

NRO vs NRE Accounts: Key Differences

  • An NRO (Non-Resident Ordinary) Account is used to manage income earned in India, such as rent, pension or dividends. Funds in an NRO Account are subject to local taxes. Repatriation to a foreign account is restricted, requiring compliance with RBI guidelines and submission of relevant documents.
  • An NRE (Non-Resident External) Account, on the other hand, is designed to park overseas earnings in India. Both the principal and interest are freely repatriable and tax-free in India. This makes it a convenient option for NRIs to save, invest, or transfer money while enjoying easy access to their funds globally.

Frequently Asked Questions

As per RBI rules, up to USD 1 million (or equivalent) can be transferred per financial year, subject to documentation and tax compliance.

Yes, you can easily transfer funds from NRO to NRE Account online through InstaServices. 

Yes, funds transferred must be from income where applicable taxes have been paid, and Form 15CA/15CB is usually required.

The process typically takes up to 3 working days, depending on document verification and bank procedures.

Funds must first be converted into Indian Rupees in the NRO Account before being transferred to the NRE Account.

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