Send money from United States to India (USD → INR)

Based on our latest data, Wise and Remitly consistently offer the best total value for USD to INR transfers. Wise uses the mid-market exchange rate with a small transparent fee, while Remitly often runs promotional rates for first-time users. Always compare on the day you send — rates change frequently.

Most specialist providers deliver to Indian bank accounts within 1–2 business days. Remitly and WorldRemit offer express options that can arrive in minutes via IMPS. Bank wire transfers typically take 2–4 business days.

Some providers now support UPI as a delivery method in India, allowing near-instant transfers. Remitly and Google Pay offer UPI-linked transfers on certain corridors. Check each provider's delivery options when comparing.

Most providers allow transfers up to $10,000–$50,000 per transaction. India's Liberalised Remittance Scheme (LRS) does not restrict inbound remittances. However, amounts over $10,000 must be reported by US financial institutions under the Bank Secrecy Act.

In the US, sending money abroad is not a taxable event for the sender. However, India's Tax Collected at Source (TCS) rules may apply to the recipient in certain circumstances. For regular family remittances, no tax is typically owed. Consult a tax advisor for large or frequent transfers.