Send money from USA to India

Compare the live USD → INR rate, see what your family actually receives after fees, and find the cheapest way to transfer to an Indian bank account.

US Dollar (USD)

Indian Rupees (INR)

₹

1 USD =₹Fetching live rate…

After a typical ~2% bank / remittance fee, $1,000 lands as about ₹93,629.2. Exact margin varies by bank/app — compare before you send.

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 ₹95.54 per USD

$1₹95.54

$5₹477.7

$10₹955.4

$25₹2,388.5

$50₹4,777

$100₹9,554

$500₹47,770

$1,000₹95,540

Indians on H-1B, F-1 student and green-card status make the US the second-biggest source of remittances to India. Most transfers go bank-to-bank (ACH) through an app — the money lands in an Indian savings, NRE or NRO account. The headline fee is rarely the real cost; the exchange-rate markup is, so compare the rate you actually get against the mid-market rate shown below.

How to send money from USA to India

Check today's real rate
Note the live mid-market USD→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 — USA to India

Under US rules there's no tax on the transfer itself. In India, money you send to your own NRE account or to close relatives is not taxable for the recipient. Large gifts to non-relatives over ₹50,000 in a year can be taxable in the recipient's hands.

General information, not tax or financial advice.

Frequently asked

What is the cheapest way to send money from USA to India?: The cheapest option is usually a low-fee app that converts at close to the mid-market USD→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 USA to India take?: Most transfers from the United States 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 USD 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 USA taxable?: Under US rules there's no tax on the transfer itself. In India, money you send to your own NRE account or to close relatives is not taxable for the recipient. Large gifts to non-relatives over ₹50,000 in a year can be taxable in the recipient's hands. This is general information, not tax advice — check your own situation with a qualified adviser.

Send from another country

Full USD → INR converter Set a USD rate alert

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.

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How to send money from USA to India

Check today's real rate

Note the live mid-market USD→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 — USA to India

General information, not tax or financial advice.

Frequently asked

What is the cheapest way to send money from USA to India?

The cheapest option is usually a low-fee app that converts at close to the mid-market USD→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 USA to India take?

Most transfers from the United States 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 USD 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 USA taxable?