🇮🇳 Send Money to India — Live Rate Comparison
India is the world's largest remittance recipient — about $129 billion a year (World Bank). Most transfers now land near-instantly into a bank account or via UPI. The US, UAE, UK, Saudi Arabia and Singapore are the biggest sending markets. Compare what actually reaches your family in rupees below.
Sending $1,000 from USA to India
Updated 30 minutes ago| Provider | Rate (INR/USD) | Fee | Recipient gets | |
|---|---|---|---|---|
Xoom
|
95.14 | Free | ₹ 95,140 | See rate → |
Moneygram
|
95.20 | $1.99 | ₹ 95,012 | See rate → |
State Bank of India
|
94.90 | Free | ₹ 94,900 | |
Remitly
|
94.83 | Free | ₹ 94,830 | See rate → |
Instarem
|
94.66 | Free | ₹ 94,662 | See rate → |
WorldRemit
|
94.93 | $2.99 | ₹ 94,648 | See rate → |
Wise
|
95.37 | $11.26 | ₹ 94,300 | See rate → |
Wells Fargo
|
92.39 | Free | ₹ 92,393 | |
Chase (US)
|
92.45 | $5.00 | ₹ 91,983 | |
OFX
|
91.97 | $5.00 | ₹ 91,511 | See rate → |
Best way to send money to India
For instant delivery, providers that pay into UPI or via IMPS — Wise, Remitly and Instarem — are hard to beat. Wise consistently offers the mid-market rate with a transparent fee, while Remitly often has a promotional first-transfer rate. Bank-account delivery suits larger amounts, where the receiving bank may apply extra checks.
Good to know before you send to India
Remittances sent to family in India are generally tax-free for the recipient, but transfers into NRE / NRO accounts have their own rules. Large inflows can trigger source-of-funds questions from the receiving bank, so always send to the recipient's own verified account.
Sending with crypto — the faster, borderless option
Some senders use USDT stablecoin as an alternative — it moves in minutes, 24/7, often with lower fees than banks. It needs crypto-savvy setup on both sides, rates vary by exchange, and it is not a like-for-like quote against the providers above.
Spend crypto directly with a card
Crypto values can move and services vary by country — do your own checks before sending large amounts. Buzdy may earn a commission from these links, at no extra cost to you.
How your money reaches India
Most services deliver to India through one or more of these methods — pick the provider that supports the one your family uses:
How we collect this data
- ✅ Provider rates and fees are collected from live provider pricing, refreshed roughly every hour.
- ✅ The mid-market benchmark comes from open exchange-rate feeds, so you can see each provider's real margin.
- ✅ Every table shows exactly when its data was collected. If a quote is stale, we say so — we never fill gaps with estimates.
- ✅ Providers are ranked purely by how much your recipient gets — never by who pays us.
Frequently asked questions
What is the cheapest way to send money to India?
The cheapest way to send money to India changes daily with the exchange rate — compare the "recipient gets" column above, which combines the rate and the fee, so the top row is the best total deal right now. For India, delivery via Bank account (IMPS/NEFT) and UPI is usually the fastest low-cost route, while bank wires are almost always the most expensive.
How fast can I send money to India?
Many services deliver to India within minutes via Bank account (IMPS/NEFT), UPI, Cash pickup. Wise usually takes a few hours, and traditional bank wires take 2–5 business days.
What is the mid-market exchange rate?
It's the real exchange rate you see on Google — the midpoint of global buy/sell prices. Providers price below it; the gap is their hidden margin. We show the benchmark so that margin is visible.
Where does this data come from?
Provider quotes are collected from live provider pricing (refreshed roughly hourly); the benchmark rate comes from open exchange-rate feeds. Timestamps on every table show freshness. We never estimate or invent rates.
More for India
Disclosure: Buzdy may earn a commission when you open an account through some links on this page, at no extra cost to you. This never affects ranking — providers are ordered strictly by the amount your recipient receives. Rates change constantly; always confirm the final quote on the provider's site before sending.