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Sir Charles Forbes was educated at Aberdeen University before going to India as head of the first mercantile house, Forbes and Co. of Bombay. He not only conducted business but was also involved in community projects such as ensuring fresh water for the local inhabitants. On leaving India he returned to England where he served as MP for Beverley, Yorkshire, from 1812-1818, and then for Malmesbury, Wiltshire, from 1818-1832. He supported Catholic emancipation and votes for women.
He married Elizabeth Cotgrave (d.1861) in 1811. Forbes died in 1849. His eldest son, John, had predeceased his father. The title Forbes had inherited from his uncle was, in turn, inherited by his second son, Charles. His daughter, Elizabeth, married General, Lord James Hay, second son of the seventh Marquess of Tweeddale.