The best way to send money from the US to India depends on what matters most to you. If convenience is the priority, sending online or in the Western Union app are easy options. You can also choose the delivery method that works best for your receiver, including direct to bank account, cash pickup, or via UPI.

The cheapest way to send money to India will vary based on how you pay, how your receiver gets the money, and the exchange rate at the time of your transfer. Use our send money online tool to calculate money transfer costs before you send.

You can send up to $50,000 directly to an Indian bank account from your US account. You can make a money transfer to some of the best banks in India including State Bank of India, HDFC and ICICI.

The time it takes to send money to India depends on the delivery method and how you pay. For example, a mobile wallet transfer may be ready in minutes, cash pickup can be available same day, and a bank transfer may take up to five days. Use our send money online tool to compare the speed of different transfer options before you send.

You can use our price estimator tool to work out the cost of sending a large or small amount of money to India. This provides information on things like transfer fees⁵.

To make an online money transfer to India, just follow these steps:

1. Log in to your Western Union^® profile or register and verify one for free. Begin your money transfer to India by clicking ‘Send now’.
2. Type in ‘India’ as the destination and how much you wish to send. You’ll be able to view typical transfer times as you make your selections.
3. Click on ‘Bank account’. You’ll then have the choice of selecting an existing receiver or entering bank account details³ for a new one.
4. Pay for your money transfer by credit² or debit card.
5. Look out for a confirmation email containing a tracking number (MTCN). This can then be shared with your receiver in India to help track the money.

You’ll need a US driver’s license, passport, or government-issued ID to register online with Western Union^®. When sending money to India, your receiver’s account number, IFSC code and the purpose of the transfer are required. We might also ask for additional information about your source of funds and occupation, if you are making a “large amount” money transfer.

To transfer money to India from a US agent location, simply:

1. Search for an agent location close to your home.
2. Take a valid government-issued ID or phone number to the counter. You’ll also need to show your receiver’s bank and account details.
3. Use cash or a US bank-issued debit card to pay for your remit to India.
4. Read the tracking number (MTCN) on your receipt, which can be shared with your receiver to follow their money.

Transferring money to an Indian ICICI bank account is quick and easy. Simply follow these steps:

1. Log in or register and verify a free Western Union^® profile. Click ‘Send now’ to begin your money transfer to India.
2. View the dollar to rupee exchange rate (USD to INR), then enter the amount you wish to send.
3. Choose how you want to pay for the money transfer.
4. Enter your receiver’s details and ICICI bank account number.

Confirm your money transfer. We’ll provide a tracking number (MTCN) for you to keep for your records.

Unified Payments Interface (UPI) is a fast and real-time payment system that lets you send and receive money using a UPI ID, no bank details required.

A UPI ID is linked to your bank accounts (for example name @paytm, number@ybl or name@okbank)

You can send up to 200,000 Indian rupees to an UPI ID

Ask your receiver to open their payment app (for example Google Pay, PhonePe, Paytm), then, ask them to go to their name or profile and find their UPI ID or Virtual Payment Address (VPA)

Simply paste you receiver’s full UPI ID and we’ll send the payment directly to that ID