Send money to India
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Licensing
Providers listed for India are licensed money transfer operators that route inward remittances through Reserve Bank of India (RBI)–authorised channels.
Personal transfers into India are processed via RBI-regulated Authorised Dealer Category-I banks, using the Rupee Drawing Arrangement (RDA) or Money Transfer Service Scheme (MTSS). Unlike Ethiopia and the Philippines, the RBI does not issue a single public list of licensed remittance brands — instead, each provider operates through one or more RBI-authorised banking partners. We verify this partnership before listing any provider. We do not list or promote unlicensed transfer services.
Providers compared
| Provider | Delivery method | Speed | Notes |
|---|---|---|---|
| Wise | Bank account (NRE/NRO) | Under 1 hour–1 day | Mid-market rate, transparent fee |
| Remitly | Bank, cash pickup, mobile wallet | Minutes (Express) to 1–3 days (Economy) | Two-tier pricing |
| Xoom (PayPal) | Bank, cash pickup, home delivery | Within hours | Backed by PayPal |
| Western Union | Bank, cash pickup | Minutes–1 day | Large agent network, MTSS |
| Ria | Bank, cash pickup | Minutes–1 day | High daily online limit ($49,999) |
| WorldRemit | Bank, mobile wallet | Same day | Broad delivery options |
| Instarem | Bank, UPI-linked delivery | Minutes–1 day | Notable for UPI support |
How we get our data
We fetch pricing data directly from each provider's public pricing tools. Rates are updated every 6 hours. Exchange rates and fees change frequently — the actual rate you receive may differ based on payment method, transfer amount, and timing. Always confirm the final rate on the provider's site before sending.
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