> I am a US citizen and I want to transfer some amount 10 lakhs+ to my brother from my NRE account in India to his account. My brother is going to purchase something for his business. He is going to return my amount after 3-4 Months From the description it looks like you would like to loan to your brother on repatriation basis. Yes this is allowed. See the RBI Guide [here][1] and [here][2] for more details. There are some conditions; > (iv) Scheme for raising loans from NRIs on repatriation basis >Borrowings not exceeding US$ 2,50,000 or its equivalent in foreign exchange by an individual resident in India from his close relatives resident outside India, subject to the conditions that - > > a) the loan is free of interest; b) the minimum maturity period of > the loan is seven years; c) The amount of loan is received by inward > remittance in free foreign exchange through normal banking channels or > by debit to the NRE/FCNR account of the non-resident lender; d) The > loan is utilised for the borrower's personal purposes or for carrying > on his normal business activity but not for carrying on > agricultural/plantation activities, purchase of immovable property or > shares/debentures/bonds issued by companies in India or for > re-lending. Although it is mentioned as Seven years, this is revised to one year. > Since he cannot deposit into my NRE account I guess he has to deposit it into my NRO account. A repatriate-able loan as above can be deposited into NRE Account. > Is there any illegality here doing such transaction? No. Please ensure proper paper work to show this as loan and document the money trail. > Also once I get my money in NRO account do I need to pay taxes in India on the money he deposited? This question does not arise. [1]: https://rbi.org.in/scripts/BS_FemaNotifications.aspx?Id=157 [2]: http://www.incometaxindia.gov.in/Documents/Provisions%20for%20NR/provision-for-non-resident-fema-borrowing-and-lending-in-rupees-regulations-2000.htm