Send money to India from the United States.
Fund a transfer from a linked US bank account and the recipient is paid in rupees. The rate and any fee are shown on the review screen before you confirm — the amount you see is the amount that arrives.
How the recipient is paid in India
- UPI ID (VPA) — Enter the recipient's UPI ID — for example name@okhdfcbank — and the rupees are credited to the bank account behind it, usually within minutes. Nothing else about their account is needed.
- Indian bank account — Enter the account number and the 11-character IFSC code of the branch. Funds are credited in rupees to that account.
What you need from the recipient
- The recipient's full legal name, as it appears on their bank account
- Either their UPI ID, or their account number and IFSC code
- Their city
- For an NRE or NRO account, which of the two it is — the choice is theirs to make, and it changes how the money can later be moved
How long a transfer takes
Rupees usually reach the recipient within minutes of the transfer being funded. The step that takes time is the debit from your US bank, which settles over one to three business days.
How to send money to India
- Create and verify — Sign up with your email and complete identity verification through our regulated partner Cybrid. Majority of the time approved within minutes.
- Link your US bank — Connect a US checking account securely through Plaid. We never see or store your bank credentials. Only a tokenised link.
- Add a recipient — Enter the recipient's name, contact, and payout details — their local bank account, or a UPI ID for recipients in India. Recipients complete the identity verification required in their country.
- Send and track — Confirm amount, rate, and fees on the review screen. Authorise with email step-up (web) or biometrics (mobile). Track in Activity.
What an IFSC code is
An IFSC (Indian Financial System Code) is an 11-character code that identifies one specific bank branch in India. It appears on the recipient's chequebook and in their banking app, and it is required for a bank-account payout. Sending to a UPI ID needs no IFSC.
NRE and NRO accounts are not the same thing
NRI describes a person; NRE and NRO describe two kinds of account they can hold. Money in an NRE account is freely repatriable — it can be sent back out of India — and its interest is not taxed in India. Money in an NRO account is intended for income earned in India, is taxed there, and is repatriable only within limits. Ask the recipient which account they are giving you; we will not guess on their behalf.
What the recipient pays
Nothing to us. The rupee amount shown on the review screen before you confirm is the amount credited. Their own bank may apply its own charges, which are outside our control and outside our fee.