Send money from Canada to India
Compare the live CAD → INR rate, see what your family actually receives after fees, and find the cheapest way to transfer to an Indian bank account.
Reference mid-market rate, blended from multiple live sources. It can differ by a few paise from Google or XE, and banks, cards & forex services add a 1–3% margin on top — so the amount you actually pay or receive will be a little higher.
Quick reference
At ₹66.6 per CAD
Canada's fast-growing Indian student and permanent-resident population has made the Canadian dollar-to-rupee corridor one of the quickest-rising. Transfers go bank-to-bank through an app to Indian savings or NRO accounts. Big-bank wires are the most expensive route; low-fee apps convert near the mid-market rate.
How to send money from Canada to India
Check today's real rate
Note the live mid-market CAD→INR rate (shown on this page). That's the fair rate before anyone's margin — your benchmark for comparing providers.
Compare providers, not just fees
A 'zero fee' transfer can still cost more if its exchange rate is poor. Compare the rupees actually delivered for your amount across an exchange house, your bank, and a low-fee transfer app.
Add the recipient's India details
Enter the recipient's Indian bank account (savings, NRE or NRO) or UPI ID. Double-check the IFSC code and account number — a wrong digit delays the transfer.
Pay and track
Fund the transfer from your local bank and track it in the app. Most transfers to India arrive the same day or within 1–2 business days.
Tax & rules — Canada to India
No Canadian tax applies to sending your own money to India. For the recipient, transfers from a close relative or to your own account are not taxable in India. Large gifts to non-relatives above ₹50,000 a year can be taxable for the recipient.
General information, not tax or financial advice.
Frequently asked
- What is the cheapest way to send money from Canada to India?
- The cheapest option is usually a low-fee app that converts at close to the mid-market CAD→INR rate, rather than a bank wire (which adds the widest margin). Always compare the rupees actually delivered for your amount — the headline fee hides the real cost, which is the exchange-rate markup.
- How long does a transfer from Canada to India take?
- Most transfers from Canada to an Indian bank account arrive the same day or within 1–2 business days. Transfers funded instantly and sent to a major Indian bank are typically the fastest; first-time transfers can take a little longer for verification.
- What is the best CAD to INR rate for sending money to India?
- The "best" rate is the mid-market rate — the real rate shown on this page before any margin. No provider gives you exactly that, but low-fee apps come closest. Use the live converter above as your benchmark and pick the provider that delivers the most rupees for your amount.
- Is money sent to India from Canada taxable?
- No Canadian tax applies to sending your own money to India. For the recipient, transfers from a close relative or to your own account are not taxable in India. Large gifts to non-relatives above ₹50,000 a year can be taxable for the recipient. This is general information, not tax advice — check your own situation with a qualified adviser.
Send from another country
Rates shown are reference mid-market rates for comparison, not a quote to buy or sell. The amount your recipient gets depends on the provider you choose and its margin.