Moving your US savings into your Indian bank account.

Link your US checking account, add your own Indian account with its account number and IFSC code, enter the amount, and confirm with the code emailed to you. The review screen shows the exchange rate and the exact rupees that will arrive before you confirm, and you can track the transfer until it is paid.

On ComplyRemit your own account sits under Send to yourself. The account is checked with the Indian bank when you add it, so a mistyped IFSC or a dormant account is caught before any money has left the US.

The US account has to be a checking account in your own name, linked through Plaid. If your savings sit in a savings or brokerage account, move them to checking first.

While you are still a non-resident, money earned abroad usually belongs in an NRE account, where it stays freely repatriable. An NRO account is for income arising in India. Once you have moved back to stay, your accounts become resident accounts, and you send to an ordinary resident savings account.

Under Reserve Bank of India rules, NRE and NRO accounts are redesignated as resident accounts when you return to India to stay, and NRE balances can move into a Resident Foreign Currency account instead. Tell your bank when you move.

If you may want to move money back out of India later, ask your bank which account keeps that easiest before you send. It is a harder question to fix afterwards.

Set everything up before you leave, and send at least part of it then. Your US address, phone number and bank access all work, verification is simple, and the transfers leave a record made while you were a US resident. What you keep in the US afterwards can follow from the same account.

There is no rule that it must all move at once. Many returnees keep a working balance in the US for final bills, tax payments and refunds, and move the rest in planned instalments.

Timing can also matter for tax, because your Indian residential status changes after you return. That is a conversation for a cross-border accountant, ideally before you book the flight.

As much as your limit allows, and your limit grows with verification. Adding your Social Security number raises it in about two minutes, and an enhanced review can raise it up to $50,000 per transfer. A larger balance moves as several transfers, each one checked against your daily and weekly limits before it is sent.

Planned instalments are normal. Splitting an amount into small pieces purely to stay under a limit is not, and providers are required to look for it; raising the limit is the right route.

The mid-market exchange rate, the one Google shows, with any fee disclosed on the review screen before you confirm. On life savings the rate decides almost everything: a markup of half a rupee per dollar on $100,000 is 50,000 rupees, which is why the rupees received is the only number worth comparing.

Customers who send regularly or in larger amounts can also be given Silver or Gold status by our team, which pays a rate above the Google rate. It is not automatic, and the rate on your review screen is always the one you get.

Usually a few business days. Your US bank takes one to three business days to release the debit, and funds are typically delivered to the Indian account within 48 hours of that clearing. Customers may become eligible for instant transfers, under ten minutes, once they have enough transaction history.

No. Sending your own money to your own account is a transfer, not income and not a gift, so the move itself is not taxed in the US or in India. Interest the money earns in India afterwards is taxable, and US reporting such as the FBAR can apply while you remain a US filer.

This is general information, not tax advice.