Kaagazaat

NRI Gift of Money to a Relative (Gift Deed and Declaration)

At a glance

Price: Free, always.
Stamp duty: A gift of money is a gift of movable property, not of land or buildings.
Registration: Not registered as a matter of course — a gift of money, unlike a gift of land or a building, is not usually registered.
Witnesses: Two witnesses are recommended.

Free

Free, always.

Free: up to 5 documents a day.

Guided questions, full draft on screen, download in Word.

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Also called

NRI gift deed money
gift of money from abroad
gift declaration for bank remittance
gift from NRI to parents
ਪਰਵਾਸੀ ਭਾਰਤੀ ਤੋਹਫ਼ਾ ਲਿਖਤ
paise da tohfa NRI

When you need it

You live abroad and are sending money to a relative in India as a gift, such as to a parent, a spouse, a child or a brother or sister, and the receiving bank, or later the tax office, may ask for something in writing to show it is a gift and not a loan. This is a short gift deed and declaration, signed by you as donor and accepted by the relative as receiver, saying who gives what, how it is sent and that nothing is to be returned.

Not for a gift of land, a house or a flat — use the Gift Deed for Immovable Property for that, which has its own stamp duty and registration. For a donor's declaration alone, or a receiver's letter of acceptance alone, see the Donor Declaration for Gift and the Acceptance of Gift Letter.

Whether you can fill this in here

You can fill this in here

You can fill this one in on this site, and read the whole draft on screen before you decide anything about it. It is a carefully drafted template; it is not advice about your own facts.

Fill this one in

See stamp duty, registration and witnesses

What follows is written for Punjab and Chandigarh. It states the position there rather than describing how it varies, so the amounts below are the ones that apply — worth confirming at the sub-registrar’s office, because rates change. If the property is anywhere else in India, none of this is yours.

Stamp duty

A gift of money is a gift of movable property, not of land or buildings. Whether a stamp paper is needed for this kind of deed in Punjab or Chandigarh, and of what value, is for the Sub-Registrar or a local advocate to confirm; many banks and notaries ask for one anyway. Confirm the current position.

Registration

Not registered as a matter of course — a gift of money, unlike a gift of land or a building, is not usually registered. Confirm with a local advocate if the amount is large.

Notarisation

Notarisation is not stated here as a legal requirement, but the receiving bank often asks for it. If the donor signs abroad, a notary there may be needed, and the bank may ask for apostille or consular attestation too — confirm with the bank before signing.

Witnesses

Two witnesses are recommended. They should add their name, address and signature below the parties' signatures.

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Sample preview — placeholder answers, not your data

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GIFT DEED AND DECLARATION

(Gift of money by an NRI to a relative in India)

Made at Brampton, Ontario on 2 April 2026.

BETWEEN

Harjinder Singh, S/o Sh. Kartar Singh, presently residing at 45 Maple Drive, Brampton, Ontario L6T 1A1, Canada, holding passport number N3456789, PAN ABCDE1234F ("the Donor"),

AND

Gurpreet Kaur, W/o Harjinder Singh, residing at House 214, Sector 36-A, Chandigarh, India, PAN FGHIJ5678K ("the Donee").

The Donee is the Donor's wife (mother's brother).

1. THE GIFT

1.1 Out of love and affection, and without receiving anything in return, the Donor gives to the Donee the sum of ₹5,00,000 (Rupees Five Lakh only) ("the Gift").

1.2 The Donee accepts the Gift.

2. HOW THE MONEY IS SENT

2.1 The Gift is being sent from the Donor's bank account abroad, by inward remittance through a bank (RBC Royal Bank, account ending 4321), on or about 1 April 2026, to the Donee's account: SBI, Sector 17-B, Chandigarh, A/c No. XXXXXXXX1234.

2.2 The Donor confirms that the money comes from the Donor's own lawful funds, that the Donor is free to give it, and that it is being sent through banking channels only.

3. NO RETURN EXPECTED

3.1 The Gift is made freely. It is not a loan, not a payment for any service or property, and not a deposit or an investment. The Donee does not have to repay it or give anything in return.

3.2 The Gift is final. The Donor will not ask for it back, and the Donee may use it as the Donee wishes.

4. TAX AND BANK RULES

4.1 The Parties understand that how a gift of this kind is treated for income tax, and what the Foreign Exchange Management Act, 1999 and the Reserve Bank of India require for money coming into India from abroad, are as the current law and rules provide.

4.2 Each Party is responsible for their own tax position. Each Party will keep this document and the bank's remittance records, and will give them to the bank or the tax authorities if asked.

5. DECLARATION

5.1 The Donor declares that the details in this document are true, that nothing material has been hidden, and that the Donor has read this document, or had it read out and explained, and understands it.

5.2 The Donee declares that the Donee has received, or will receive, the Gift as a gift and not as a loan.

IN WITNESS WHEREOF the Parties have signed this document at the place and on the date written above.

THE DONOR

_________________
Harjinder Singh

THE DONEE

_________________
Gurpreet Kaur

WITNESSES

1. _________________ Name and address:

2. _________________ Name and address:

Questions about this document

Does the NRI Gift of Money to a Relative (Gift Deed and Declaration) need stamp paper or stamp duty in Punjab and Chandigarh?

A gift of money is a gift of movable property, not of land or buildings.

See the full position on stamp duty, registration and witnesses

Does the NRI Gift of Money to a Relative (Gift Deed and Declaration) need registration in Punjab and Chandigarh?

Not registered as a matter of course — a gift of money, unlike a gift of land or a building, is not usually registered.

See the full position on stamp duty, registration and witnesses

What does the NRI Gift of Money to a Relative (Gift Deed and Declaration) cost on Kaagazaat?

Free, always.

Does the NRI Gift of Money to a Relative (Gift Deed and Declaration) need witnesses?

Two witnesses are recommended.

See the full position on stamp duty, registration and witnesses

Often needed with this document

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