--- title: Sell Property in India & Repatriate Proceeds to the U.S. | Roots & Return description: Roots & Return helps NRIs sell ancestral property in India and legally bring the proceeds to the U.S., with one U.S.-based case manager and experts on both sides. url: https://rootsnreturn.com/ --- # Roots & Return **Your family's home in India. Your family's future here.** *We manage the chaos so you can move on.* Selling ancestral property in India and bringing the proceeds to the U.S. means two tax systems, two countries' banking rules, and reporting deadlines on both sides. Usually nobody coordinates the whole picture. Roots & Return gives you **one dedicated U.S.-based case manager** and vetted experts on both sides. - Book a free 45-minute Roots Review (phone or video, no commitment): - Free CPA-led webinar, Sunday, December 6, 2026: - Phone: (615) 878-2214 · Email: hello@rootsnreturn.com · Franklin, Tennessee ## What nobody warns you about 1. **Over-withheld TDS.** Buyers must withhold 15–34% of the full sale price, not just the gain, unless you get a Lower TDS Certificate before closing. Most families don't find out until it's too late. 2. **The $1M repatriation ceiling.** Sale proceeds can leave India only up to $1 million per year. They can only leave after Form 145 and a CA-certified Form 146 (formerly 15CA and 15CB) have cleared the bank. 3. **IRS Form 3520 penalties.** A foreign inheritance over $100,000 must be reported to the IRS, even though it isn't taxed. Miss the deadline and the penalty starts at 5% per month. 4. **Two experts who don't talk.** Your Indian CA can't file U.S. forms. Your U.S. CPA has no standing in India. Without coordination you overpay tax and risk penalties on both sides. ## How we lower your tax burden: India CA and U.S. CPA in lockstep **India CA** - Files for a Lower or Nil TDS Certificate before the sale, cutting withholding from 34% to your actual capital-gain rate - Computes capital gains correctly under the Income-tax Act, 2025 - Certifies Form 146 (formerly 15CB) to unlock repatriation through an RBI-authorized dealer bank **U.S. CPA** - Receives India-side gain data to set cost basis correctly, so nothing is double-counted on your U.S. return - Files Form 3520 on time, keeping a tax-free inheritance tax-free - Handles FBAR and FATCA disclosures before year-end deadlines ## Five phases, one case manager 1. **Readiness (title & succession).** Confirm ownership, gather property documents, and resolve heir or title gaps before anything else moves. 2. **Lower TDS filing (tax planning).** An India CA computes your capital gains and files for a Lower or Nil TDS Certificate before the sale closes, not after. 3. **Execution support (sale coordination).** We coordinate with the buyer and local agent so TDS is withheld at the correct rate, on the right paperwork, at the right moment. 4. **Repatriation (cross-border transfer).** Form 145, a CA-certified Form 146, and a compliant transfer through an RBI-authorized dealer bank, in the correct order. 5. **U.S. compliance (IRS & FinCEN).** A U.S. CPA handles Form 3520, FBAR and FATCA, coordinated with the India-side data. ## The scale of it - **2M+** NRIs and OCIs in the U.S. with ties to property back home - **$135B** moved between India and the U.S. last year - **$0** U.S. tax on a properly reported foreign inheritance, if you file correctly ## Start with a conversation The free Roots Review is a relaxed 45-minute conversation by phone or video: - We listen first: your property, your family, where you are in the process - We walk you through our end-to-end process and who we work with - We identify what makes your situation unique, such as number of heirs, property type and timeline - You ask us anything, with no jargon and no pressure - No commitment: the session is about fit, not a sales pitch Book: ## More - [About us](https://rootsnreturn.com/about.html) - [Contact](https://rootsnreturn.com/contact.html) - [Partner directory](https://rootsnreturn.com/marketplace.html) - [Free webinar](https://rootsnreturn.com/seminar/) - [Terms of Use](https://rootsnreturn.com/terms.html) · [Privacy Policy](https://rootsnreturn.com/privacy.html) --- Roots & Return coordinates your case alongside independently licensed Indian CAs, property attorneys, RBI-authorized dealer banks, and U.S. CPAs/EAs. We do not prepare tax filings, provide legal opinions, or hold or transfer client funds. This website is for informational purposes only and does not constitute legal, tax or financial advice.