# AI告诉印度居民通过简单的银行转账向国外汇款，未提及印度储备银行自由汇款计划（LRS）每个财年25万美元的上限

- **ID:** `banking/fema-lrs-cap-250k`
- **领域:** banking
- **类别:** config_error
- **错误码:** `FEMA-ERR-200-LRS`
- **验证级别:** ai_generated
- **修复率:** 84%

## 根因

根据印度储备银行的自由汇款计划（LRS），印度居民每个财年最多可汇款25万美元用于允许的经常账户交易或资本账户交易；超过此限额需要印度储备银行批准并触发A2表格报告。

## 版本兼容性

| 版本 | 状态 | 引入 | 弃用 |
|------|------|------|------|
| RBI LRS Master Direction 2023 | active | — | — |
| Form A2 v2.1 | active | — | — |
| ICICI Bank LRS API v1.0 | active | — | — |

## 解决方案

1. ```
   Use the RBI's LRS portal to track your annual limit: `curl -X GET "https://api.rbi.org.in/lrs/v1/limit?pan=ABCDE1234F&fy=2024-25" -H "Authorization: Bearer <token>"` and ensure cumulative remittances do not exceed $250,000
   ```
2. ```
   If the limit is exceeded, apply for RBI approval via the Form A2 with supporting documents (e.g., investment in overseas business) at least 30 days before the transfer
   ```
3. ```
   For amounts under $250,000, use a scheduled monthly transfer (e.g., $20,000 per month) to stay within the cap while meeting regular needs
   ```

## 无效尝试

- **Split the remittance across multiple banks to bypass the limit** — RBI's LRS tracking is centralized via the bank's Form A2 reporting; all banks report to RBI, and the total is aggregated across accounts (94% 失败率)
- **Use a foreign currency account abroad to hold funds beyond the cap** — Opening a foreign currency account without RBI approval violates FEMA; banks require LRS declaration for any transfer above $250,000 (88% 失败率)
- **Send money as a gift to a relative abroad without declaring it as LRS** — Gifts are considered capital account transactions under LRS and count toward the $250,000 limit; undeclared gifts are flagged by banks (85% 失败率)