Documents Required
For Sender (India)
- PAN Card (mandatory for international remittances)
- Aadhaar Card or Passport for identity verification
- Valid Indian bank account for initiating the transfer
- Form A2 for eligible outward remittance transactions
- Purpose declaration for education, family maintenance, gifting, investments, or travel
- Supporting income or source-of-funds documents for high-value transfers
- Tax-related documents, where applicable, under RBI guidelines
For Recipient (United Kingdom)
- Full legal name as per UK bank records
- UK bank account number
- Sort code of the receiving bank
- Recipient’s residential address (required for certain transfers)
- IBAN or SWIFT/BIC code, where applicable
- Contact details for transfer-related verification if requested by the bank
Rules & Important Guidelines
Liberalised Remittance Scheme (LRS)
All transfers from India to the United Kingdom are governed by the RBI’s Liberalised Remittance Scheme (LRS). Resident individuals can remit up to USD 250,000 per financial year under permitted purposes.
Tax Collected at Source (TCS)
TCS may apply on foreign remittances exceeding prescribed limits under applicable Indian tax regulations.
Permitted Transfer Purposes
Funds may generally be transferred for education, family maintenance, medical treatment, gifting, investments, travel expenses, and property-related payments.
FEMA & RBI Compliance
All outward remittances must comply with FEMA regulations, RBI guidelines, and banking verification requirements.
UK Banking & Compliance Checks
Incoming international transfers to the United Kingdom may be subject to anti-money laundering and compliance verification by UK financial institutions.
Transfer Limits & Verification
Transfer limits, processing timelines, and documentation requirements may vary depending on transaction amount, KYC status, and payment method used.





