Send money to and from India
Whichever direction you're moving money, INR pricing from your bank carries a 2–4% margin you never see itemised. X Rate Capital prices Indian Rupees off the live interbank market, settles same-day, often within a couple of hours over NEFT, RTGS or IMPS, and puts a named specialist on every transfer.
Moving money to and from India
Live INR pricing
Interbank rates with a small margin disclosed before you confirm — not a spread buried inside the quote.
Both directions
Sending to India and receiving from it are different jobs with different timings. One desk handles both.
Lock a rate ahead
Forward contracts fix today's INR rate for a payment up to 24 months away — useful when you commit now and pay later.
Named specialist
A direct line to someone who knows the India route, not a different call-centre agent each time.
Where the savings actually come from.
The rate is the headline; everything else is what makes it work in practice. Here is the side-by-side.
- Exchange rateMid-market plus a transparent marginWide spread, often hidden
- Settlement speedSame-day to T+2 typical3 to 5 business days
- Account managerNamed human, by phoneBranch queue or call centre
- Forwards / hedgingUp to 24 months, structuredLimited or unavailable
- Mass paymentsBulk batches, multi-currencyOne-by-one entry
- Crypto on/off rampRegulated, OTC deskNot supported
- Multi-currency holding35+ currencies, no forced conversionLimited
- ReportingAudit-grade, on demandStatements only
Built for the people who move money.
Global payments
Send and receive payments to over 190 countries effortlessly, with competitive rates and guaranteed reliability.
Local currency accounts
Manage over 35 currencies in one account, making global transactions simple and hassle-free.
Fast & secure
Move money quickly and securely with advanced encryption, ensuring every transaction is seamless.
Three steps to seamless global transfers.
From paying suppliers to managing payroll, we streamline your international payments so every transaction is fast, reliable, and cost-effective.
Open your account
Sign up securely by providing your details and verifying your identity. Our team will review your application.
Meet your account manager
Once approved, connect with your personal account manager to explore the platform and tailor solutions to your needs.
Manage your money
When ready, confidently manage currencies, make transfers, and track your transactions seamlessly.
Frequently asked questions
How long does a transfer to India take?+
Funds reach the beneficiary over NEFT, RTGS or IMPS, typically same-day, often within a couple of hours once your money has cleared and the beneficiary is verified. The rupee isn't fully convertible, so inbound transfers carry an RBI purpose code and typically land in an NRE or NRO account. NRE balances stay freely repatriable; NRO funds don't. Getting the account type right up front saves real friction later.
What should I know about sending money out of India?+
Money leaving India runs under the RBI's Liberalised Remittance Scheme, which caps individual outbound remittances at USD 250,000 per financial year and applies TCS above certain thresholds.
What is the Indian Rupees exchange rate today?+
The calculator above runs off live mid-market pricing, so it reflects where INR is trading right now rather than a rate refreshed once a day. For the rate you'd actually trade at on a specific amount, request a live quote — pricing improves as the size goes up.
Why do people move money to and from India?+
Most of the volume we handle on this route is driven by family support, property, NRI investment and education — one of the largest remittance corridors in the world.
Is X Rate Capital regulated?+
Yes. Payment services are delivered through FCA-authorised partners — Sciopay Ltd (FRN 927951) and Equals Connect Limited (FRN 671508). Client funds are safeguarded in segregated accounts with tier-1 UK banks.
Every route to and from India
Get a quote
Tell us what you're moving and a specialist will come back with a live rate and next steps — usually within one business hour.