Send Money to India at the Best Exchange Rates

Wise and Remitly typically offer the best USD→INR rates and lowest fees for NRIs. Bank wires are usually the most expensive (FX spread + high fee). Use the comparison above — the calculator surfaces which provider gives the most INR for your specific amount.

NRE (Non-Resident External) is for foreign-earned income — fully repatriable, no Indian tax. NRO (Non-Resident Ordinary) is for India-earned income (rent, interest) and is subject to Indian TDS.

Set a rate alert (form on right). We'll email you when your target hits. For larger transfers, sending lump sums when rates spike improves your average price.

No US tax on USA → India transfers themselves. Transfers to your own NRE account are not taxed in India. NRO interest is taxable. Gifts over $18,000/year (2024 cap) require US Form 709 reporting.