Sending money

Send money to India

The published rate for each country people send from, and what sits between that rate and the amount that arrives in Indian rupees. Source: European Central Bank, 2026-10-30.

What to know about receiving money in India

Two channels into India, with very different limits

Money reaches India under one of two RBI frameworks, and which one a provider uses decides what it can carry. The Money Transfer Service Scheme, used by most cash-pickup and instant-payout operators, is capped at USD 2,500 per remittance and thirty remittances to any one beneficiary in a calendar year; under it, no more than Rs 50,000 may be paid out in cash, with anything above that going to a bank account. The Rupee Drawing Arrangement, used for bank-to-bank transfers, carries no limit for personal remittances. A transfer that would be routine through a bank can therefore be refused by a cash-pickup operator for reasons that have nothing to do with the amount being unusual.

Providers do not always say which framework they use. If you are sending a large amount, or sending often to the same person, ask before you start rather than after a transfer is held.

RBI Master Direction, Money Transfer Service Scheme, updated 29 February 2024 · checked 2026-09-18

Where you are sending from

From the UAE 25.8558 INR per AED From Saudi Arabia 25.3214 INR per SAR From Qatar 26.0866 INR per QAR From Kuwait 305.02 INR per KWD From Oman 246.96 INR per OMR From the US 94.9552 INR per USD From the UK 127.23 INR per GBP From Canada 67.9764 INR per CAD From Australia 66.7027 INR per AUD From Singapore 74.2781 INR per SGD

What these rates are

Each figure is the daily reference rate published by European Central Bank euro foreign exchange reference rates, reproduced unchanged. It is the reference point a transfer is priced against, not a quote: services add a fee and a margin on the rate, and the margin is usually the larger of the two. Every corridor page sets out both, with a worked example.