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Send Money to USA

Transfer money from India to USA at live interbank rates — zero hidden charges, fully RBI-compliant under the LRS.

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Send Money to USA

See exactly how much your recipient gets — live interbank rate, zero hidden charges, transfer fee ₹0.

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Exchange Rate
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Transfer Fee
₹0.00
Arrives By
24–48 Hours
Compliance
RBI LRS Approved
vs Bank Rate (est. 2–3% markup)
You save ~—
Start Your Transfer →
LRS compliant · Indicative rate · Final rate confirmed at transaction
Popular Destinations

Where Are You Sending Money?

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LRS Limit: USD 2,50,000 / Year
Liberalised Remittance Scheme — RBI
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Total Cost (INR)
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Rate
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Seamless Process

How to Transfer Money
from India

Sending money from India abroad is seamless with Matrix Forex. Here's how the process works in four simple steps.

1
Create Account & Add Beneficiary
Register online in minutes and add the bank details of the receiver — name, account number, SWIFT/IBAN, and bank address.
2
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Verify KYC Documents
Upload PAN card and Aadhaar / Passport. Our system verifies compliance with LRS regulations instantly — no branch visit needed.
3
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Transfer Funds
Pay via NEFT, IMPS, or RTGS. Lock your rate and initiate the transfer. We handle all SWIFT processing and compliance documentation.
4
Track & Confirm
Monitor your transfer in real-time via WhatsApp. Funds credit to the beneficiary account within 24–48 hours.
Why Choose Matrix Forex

Why Indians Trust Matrix Forex
for International Transfers

A regulated Indian partner for fast, transparent, and stress-free outward remittances.

RBI-Approved Security
Every transaction is fully compliant with RBI guidelines, tracked and secure under FEMA 1999.
Zero Hidden Charges
Transparent pricing. You see exactly what your beneficiary receives before confirming the transfer.
Fast Credit
Funds typically reach bank accounts within 24–48 hours via our SWIFT network. Same-day for early transfers.
Expert Guidance
Confused about LRS limits or TCS? Our experts guide you through documentation via call or WhatsApp.
100% Digital
Book online, upload KYC documents instantly, and track your transfer status in real-time from your phone.
Competitive Rates
We consistently beat bank rates — ensuring you save more INR on every international transfer.
Start Transfer → Call Expert
VERIFIED
& SECURE
2,00,000+
Happy Customers
₹4000Cr+
Remitted
24–48h
Avg Credit
100%
LRS Compliant
RBI Authorised Dealer Cat-II · NDL-ADII-0023-2023
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RBI Cat-II
Authorised Dealer
Zero Charges
Transparent Pricing
24–48 Hours
Average Credit Time
150+ Countries
SWIFT Network
LRS Compliant
Full Documentation Support
About This Transfer

Sending Money to USA — What You Need to Know

Sending money from India to United States is one of the common outward remittance needs for Indian residents — the most frequent purposes are university tuition, business payments, family support, and medical expenses. The current indicative USD rate is around 0.012 USD per INR — and at Matrix Forex you transact at the live interbank rate with zero markup applied.

At Matrix Forex, we are an RBI-authorised Category II Authorized Dealer (Licence No. NDL-ADII-0023-2023) operating since 2011. Unlike banks that bake 2–3% markup into the quoted rate, we charge zero — what you see in the calculator is exactly what you transact at. USA is the top destination for Indian student remittances. Universities accept direct INR-to-USD SWIFT transfers.

All transfers to United States are processed under the RBI's Liberalised Remittance Scheme (LRS), which permits Indian residents to remit up to USD 250,000 equivalent per financial year for permitted purposes including education, family maintenance, medical treatment, and private visits. TCS may apply on remittances above ₹10 lakh per FY (0% on education via loan; 5% on self-funded education and medical; 20% on other purposes). TCS is fully refundable against your annual income tax liability.

Transfers to United States are processed via the SWIFT network and typically credit to the beneficiary account within 24–48 hours. For transfers initiated before 2 PM IST on business days, same-day processing is available with a SWIFT reference number and real-time WhatsApp updates.

Important Things to Know

Before You Send

Bank Details (SWIFT / IBAN)
Ensure you have the exact SWIFT/BIC code and IBAN/Account Number. One wrong digit can delay funds.
Purpose Codes
Select the correct purpose code (Education, Family Maintenance, etc.) to prevent rejection by intermediary banks.
LRS Limits & TCS
Remittances fall under the LRS limit of USD 2,50,000/year. TCS may apply above ₹7 lakhs — our team will guide you.
KYC Documents
Keep your PAN Card and valid Passport handy. Supporting documents (invoice/university letter) may be needed.
Timelines & Fees
Transfers usually take 24–48 hours. Same-day processing for transfers initiated before 2 PM.
Frequently Asked Questions

Sending Money to USA — FAQs

What is the current rate to send money to United States from India?+
The current indicative rate is approximately around 0.012 USD per INR. At Matrix Forex, we apply zero markup on the live interbank rate — the rate you see in the calculator is exactly what you transact at. For a confirmed quote, submit the form and our team will call you within 30 minutes.
How long does a transfer to United States take?+
International transfers to United States typically credit within 24–48 hours via SWIFT. For transfers initiated before 2 PM IST on business days, same-day processing is available. You receive a SWIFT reference number and real-time status updates via WhatsApp.
What documents do I need to send money to United States?+
You need: (1) PAN Card, (2) Valid Passport, (3) Purpose-specific document — e.g. university invoice for education, hospital bill for medical, or a self-declaration for family maintenance. Our team guides you through the exact documents needed for your specific purpose.
Is TCS charged on transfers to United States?+
TCS (Tax Collected at Source) applies on LRS remittances above ₹10 lakh per FY. Education via an education loan: 0%. Self-funded education and medical: 5%. Other LRS purposes (travel, gifts, investments): 20%. TCS is fully refundable against your annual income tax liability.
What is the LRS limit for sending money to United States?+
Under the RBI's Liberalised Remittance Scheme (LRS), Indian residents can remit up to USD 250,000 equivalent per financial year (USD converted at live rates) for permitted purposes. There is no minimum — you can send any amount up to this limit per FY (April–March).
Is Matrix Forex RBI-authorised to process transfers to United States?+
Yes. Matrix Forex is an RBI Authorised Dealer Category-II (Licence No. NDL-ADII-0023-2023) operating since 2011. All outward remittances to United States are fully LRS-compliant, FEMA 1999 compliant, and processed via our SWIFT network with documented receipts.
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