Send money from the USA to India
Transfer US Dollars to Indian Rupees without the bank markup. X Rate Capital prices USD→INR 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.
More routes: USA transfers · India transfers
What people use us for in India
Buying property in India
Deposits, staged payments and completion on a Indian purchase — rate locked when you commit, funds landing over NEFT, RTGS or IMPS on the day they're due.
Relocating to India
Move savings, salary and pension income from the USA without losing 3–4% to your bank each time. US outbound transfers are straightforward, but banks apply wire fees per transfer on top of the exchange-rate margin.
Family & living costs
Regular or one-off support for family in India, settling same-day, often within a couple of hours, with scheduled transfers and a full audit trail.
Paying Indian suppliers
Pay suppliers, contractors or staff in Indian Rupees with batch payments, forward cover on your margin, and transparent USD/INR pricing.
Where the savings actually come from.
A high-street bank pricing USD/INR builds its margin into the rate before any fee appears on the statement. We quote against the live mid-market and settle over NEFT, RTGS or IMPS, so what you compare is the rate itself.
- 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 holding65+ currencies, no forced conversionLimited
- ReportingAudit-grade, on demandStatements only
Built for the people who move money.
Most USA-to-India transfers we handle are family support, property, NRI investment and education — one of the largest remittance corridors in the world — so the desk already knows the paperwork, the cut-offs and where this route usually stalls.
Global payments
Send and receive payments to over 190 countries effortlessly, with competitive rates and guaranteed reliability.
Local currency accounts
Manage 65+ 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.
Set-up takes minutes. Once you are approved, USD/INR transfers settle same-day, often within a couple of hours, with a named dealer for anything time-sensitive.
Open your account
Sign up and verify your identity once. We will ask what you are moving and roughly how often, so the desk can set up your USA funding and your India beneficiary before the first trade.
Fund over Fedwire or ACH
Send US Dollars to your account using Fedwire or ACH. US outbound transfers are straightforward, but banks apply wire fees per transfer on top of the exchange-rate margin.
Settle into India
We book USD/INR at the live rate and pay out over NEFT, RTGS or IMPS — same-day, often within a couple of hours. The rupee isn't fully convertible, so inbound transfers carry an RBI purpose code and typically land in an NRE or NRO account.
Frequently asked questions
How long does a transfer from the USA 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 with us 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. Your named specialist confirms exact timing before you book.
What do I need to know about sending money out of the USA?+
US outbound transfers are straightforward, but banks apply wire fees per transfer on top of the exchange-rate margin. On the receiving side: 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.
Are there fees to send USD to INR?+
No account or monthly fees. We earn a small, transparent margin on the exchange rate, disclosed before you confirm the trade — so the amount on your confirmation is the amount that arrives. Compare that with a bank quote, where the margin sits inside the rate and a wire fee sits on top.
How much could I save versus my bank on a USD/INR transfer?+
On a typical bank margin of 2–4%, a £50,000-equivalent transfer costs £1,000–£2,000 in spread you never see itemised. Our margin is a fraction of that and shown to you before you commit. The calculator above gives you an indicative USD/INR figure to compare against your bank's quote.
What are people usually sending USD to INR for?+
Most USD/INR volume we handle is driven by family support, property, NRI investment and education — one of the largest remittance corridors in the world. Whichever applies to you, the same desk handles the deposit, the staged payments and the completion, so you're not re-explaining your situation each time.
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.
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.