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1Scan for outdated or missing drivers - takes under a minute2Repair Windows errors before they cause bigger problems3Fix the driver behind crashes, sound loss and screen glitchesFor a resident individual sending money abroad under India’s Liberalised Remittance Scheme (LRS), the starting packet is Form A2, PAN, current KYC information and documents supporting the stated purpose of the payment. The exact checklist depends on whether you are paying tuition, medical expenses, travel costs, an import, or another permitted purpose—and whether the remitter is an individual, company, business, or NRO-account holder. Ask the Authorised Dealer (the bank processing the transfer) for its current forms, accepted formats and any additional evidence before you submit.
First identify which transfer category applies
There is no single document list for every outward payment from India. A personal LRS remittance follows a different route from an import payment, a corporate remittance or repatriation from a non-resident ordinary (NRO) account. Classifying the transfer first prevents you from preparing the wrong forms.
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| Transfer situation | Who normally uses it | Documentation pattern |
|---|---|---|
| Personal LRS remittance | Resident individual | Form A2, PAN, KYC and purpose evidence; the bank’s remittance application or declarations may accompany these. |
| Trade or import payment | Importer or business making an advance or post-shipment payment | Application, IEC and commercial documents such as a purchase order, pro forma or commercial invoice, transport records and bill-of-entry details. |
| NRO repatriation | Account holder seeking to remit eligible funds from an NRO account | Form A2, FEMA declaration, tax forms and a chartered accountant’s certificate under the bank’s stated process. |
| Corporate or other non-LRS remittance | Company or another entity outside the individual LRS category | Form A2, FEMA declaration, applicable statutory or tax documents and transaction-specific supporting records. |
The table is a planning guide, not a universal checklist. Banks can request more evidence after reviewing the transaction, and their paper or digital workflows differ.
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Core documents for a resident individual under LRS
Reserve Bank of India (RBI) directions establish the baseline for an individual remittance under LRS. The resident individual seeking foreign exchange is required to furnish Form A2 and provide PAN. The Authorised Dealer must obtain Form A2 in physical or digital form for cross-border remittances regardless of transaction value, while continuing to apply FEMA and KYC requirements.
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- Form A2. Complete the bank’s current version accurately, including the remitter’s details, beneficiary information, currency and amount, purpose and declarations. Some banks collect Form A2 inside their online remittance flow; others require a separate upload or signed form. Confirm whether an electronic signature, scan or physical original is accepted.
- PAN. Provide the PAN belonging to the resident individual who is making the remittance. Check that the name and other identity details match the bank’s records before submission.
- Current KYC and identity information. The bank applies RBI KYC requirements. It may need to refresh identity, address or account information if your KYC is incomplete, expired or held elsewhere. Ask the processing bank exactly which records it needs rather than assuming that a passport or another identity document is always mandatory.
- Evidence of the payment purpose. Supply a record that substantiates what you declared in Form A2. The appropriate record depends on the purpose; examples appear below.
- The bank’s application and declarations. Individual banks can use a remittance application, FEMA declaration or other customer declaration in addition to Form A2. Use the current version supplied through the bank’s branch, website or authorised channel.
RBI’s LRS direction says: "The resident individual seeking to make the remittance should furnish Form A2 as at Annex for purchase of foreign exchange under LRS."
RBI’s direction on other remittances states: "Authorised Dealers shall obtain Form A2 in physical or digital form for all cross-border remittances, irrespective of the value of transaction."
Purpose-specific supporting documents
Purpose evidence is where checklists diverge most. The examples below come from published bank checklists and illustrate the type of proof a bank may request; they are not a binding list for every bank.
Education fees or expenses
For an individual LRS education remittance, Bandhan Bank’s published checklist includes an application or Form A2, an admission or offer letter, student identification and the remitter’s passport with a valid visa or confirmed air ticket. Sponsored-student documentation can also include a fee notice or payment schedule. If the university has issued a revised invoice, send the current version and explain any difference from the admission letter.
Medical treatment abroad
A medical-purpose file may include Form A2, a valid passport and a confirmed air ticket or visa. The same published checklist discusses medical estimates when the amount is above the scheme limit. A hospital estimate, treatment letter or similar record should clearly identify the patient, provider, currency and amount so the declared purpose can be matched to the payment.
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Travel-related payments
For a travel purpose, the bank may use documents such as a confirmed air ticket or visa as supporting evidence. Requirements vary with the bank and the transaction, so do not assume that either document is required for every outward transfer or that it can replace Form A2 and PAN.
Family support, gifts and other permitted purposes
These payments still require the LRS core documents and a truthful purpose declaration. The supporting record is purpose-specific and may be requested by the bank. Because the published material does not establish one universal document for every permitted purpose, ask your bank what evidence it accepts before initiating the transfer. Do not attach an invoice, visa or medical record that does not relate to the actual reason for payment.
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LRS can cover permitted current- or capital-account transactions, subject to the applicable rules and annual limit. A bank may ask for transaction papers that explain the investment or other capital-account use. Confirm eligibility and the required evidence with the Authorised Dealer before paying a deposit or signing an overseas transaction.
Documents for imports and trade payments
An import payment is not the same paperwork case as a personal LRS transfer. Central Bank of India’s published checklist separates advance payments from post-shipment documentation.
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Advance payment for an import
- Application for the remittance.
- Importer Exporter Code (IEC) certificate.
- Purchase order or pro forma invoice describing the goods, seller and amount.
Payment after shipment
- Commercial invoice.
- Transport document.
- Bill-of-entry details.
- Applicable import licence, where required.
Your bank may request additional records, such as clarification of the goods, shipping terms or earlier advance payments. Use the bank’s trade-finance checklist rather than the personal LRS form set when the remittance is an import transaction.
Documents for repatriation from an NRO account
Repatriating funds from an NRO account is a separate process. The Central Bank of India checklist cited for this category includes:
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- Form A2.
- FEMA declaration.
- Forms 15CA and 15CB.
- Transfer application.
- A chartered accountant’s certificate addressing eligibility and taxes.
Tax-form requirements can change and depend on the payment facts. Confirm the current forms with the bank and a tax adviser before submitting them. Do not use the NRO list for an ordinary resident individual’s LRS transfer unless the bank tells you that the account and transaction require it.
Corporate and other non-LRS remittances
The LRS is for resident individuals. RBI’s direction excludes entities such as companies, partnership firms, Hindu Undivided Families and trusts from the scheme, and it does not cover prohibited or restricted purposes. A company or other entity therefore needs the bank’s non-LRS process.
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Indian Bank’s corporate-remittance information lists Form A2, a FEMA declaration, applicable statutory or tax documents and supporting transaction records. It describes the list as indicative and says additional documents may be requested depending on the transaction. The exact records can depend on the payment’s purpose, the entity’s status and the applicable FEMA or tax requirement.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.LRS eligibility and the annual limit
For a resident individual, RBI’s stated LRS ceiling is USD 250,000 per financial year (April through March) for permitted current-account or capital-account transactions. The limit is for the individual and the permitted transactions covered by the scheme; it is not a promise that every purpose is allowed.
- Confirm that you are a resident individual for the transaction and that the purpose is permitted.
- Check how much of your LRS allowance has already been used during the April–March financial year.
- Ask the bank how it records the amount when the transfer is made in another currency.
- Do not split a prohibited or restricted transaction into smaller payments to try to fit within the limit.
If you are sending money as a company, partnership, HUF or trust, stop before completing an LRS form and ask for the correct non-LRS route.
How to prepare and submit the file
- Describe the payment in one sentence. State who is sending, who will receive the funds, the country, currency, amount and genuine purpose.
- Ask the processing bank for its current checklist. Request the latest Form A2, application, declarations, accepted file formats and submission channel. A published checklist can be supplemented case by case.
- Assemble the core records. Keep PAN, KYC details and the completed Form A2 together with the bank’s application.
- Add only relevant purpose evidence. Attach the admission letter for tuition, treatment estimate for medical care, trade documents for imports or the records specified for your category. Make sure names, dates, amounts and currencies are consistent.
- Check signatures and identity matches. The remitter name on Form A2, PAN, bank account and supporting documents should be explainable if they differ, for example when a parent pays a student’s fees.
- Submit through the authorised channel. Follow the bank’s branch, secure-upload or online process. Retain the submission acknowledgement and copies of every document.
- Respond to follow-up questions. The Authorised Dealer may ask for related records to satisfy FEMA and KYC obligations. Answer the specific question and do not substitute unrelated documents.
Common reasons a transfer file is delayed
Using an old form
Banks revise applications and declarations. An older Form A2 or a form downloaded from an unrelated bank may be rejected even when the information is correct. Obtain the current version from the bank processing your payment.
Declaring a broad purpose
A description such as “personal payment” may not explain an education, medical, travel or import transaction. Use the specific, truthful purpose and attach evidence that supports it.
Incomplete KYC
An account can be active while the bank still needs updated KYC information for an outward remittance. Ask whether your identity and address records are current before the payment date.
Mixing categories
Submitting an LRS personal checklist for an NRO repatriation, company payment or import can lead to requests for missing FEMA, tax or trade records. Reclassify the payment before uploading documents.
Ignoring the financial-year limit
A transfer that appears below USD 250,000 on its own may still exceed the individual’s remaining LRS allowance after earlier remittances in the same April–March year. Ask the bank to confirm the available headroom.
Final document checklist
- Transfer category identified: personal LRS, import, NRO repatriation or corporate/non-LRS.
- Current Form A2 obtained in the bank’s accepted physical or digital format.
- PAN supplied for a resident-individual LRS remittance.
- KYC and identity details current with the processing bank.
- Purpose-specific evidence attached and consistent with the declared reason.
- Bank application, FEMA declaration or tax documents added where the bank requires them.
- Eligibility, prohibited-purpose rules and the USD 250,000 April–March LRS limit checked.
- Copies and submission acknowledgement retained.
The safest rule is simple: start with Form A2 and PAN for an eligible resident individual, then build the rest of the file around the actual purpose and transfer route. The bank that will execute the payment has the final operational checklist.
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