City GuideUSD → INR

Sending Money from Boston to Mumbai

How NRIs in Boston send USD to Mumbai, India. Zero fees, interbank rate, and fast delivery with Root.

Updated March 31, 2026

For NRIs living in Boston, Massachusetts, sending money to family in Mumbai, Maharashtra is a vital connection to home. The Boston-to-Mumbai corridor is one of the most active for Indian expatriates supporting loved ones or managing financial commitments in India. With rising costs and regulatory changes like TCS, it’s crucial to use a transparent, low-cost service. Root offers zero-fee transfers with the real interbank exchange rate, helping you maximize value on every send.

Sending USD to INR from Boston, MA to Mumbai, Maharashtra is common among Indian expatriates. Timely, low-cost transfers matter for family support, bill payments, or investments. Always confirm recipient bank details—especially IFSC code—to avoid delays.

Boston hosts a growing community of Indian professionals and students, many with close family ties to Mumbai, a financial and cultural hub in India. These NRIs frequently send remittances for household expenses, education, healthcare, or property management, requiring reliable and cost-effective transfer options.

Quick Facts

Transfer Fee

$0 — Root charges zero fees

Exchange Rate

CHECK_LIVE (interbank rate)

Transfer Time

1-4 business days to Mumbai

From

Boston, Massachusetts

Mumbai, Maharashtra

How to Send

Log in to Your Root Account

Access your Root app or website. Ensure your U.S. bank account in Boston is linked and verified.

Pro tip: Use two-factor authentication for added security.

Start a New Transfer

Select 'Send Money' and choose USD to INR. Enter the amount you want to send to Mumbai.

Pro tip: Check the current interbank rate to understand your INR payout.

Enter Recipient Details

Add your recipient’s name, Mumbai bank name, full account number, and correct IFSC code.

Pro tip: Double-check the IFSC code—errors can delay or fail your transfer.

Review & Confirm

Verify all details, including the total USD deducted and estimated INR received in Mumbai.

Pro tip: If sending over ₹7,00,000 in a financial year, remember 5% TCS may apply.

Complete Transfer

Confirm the transaction. Root locks in the exchange rate and sends funds from Boston to Mumbai.

Pro tip: Track your transfer in real time within the app.

Send Money from Boston to Mumbai with Root

Zero fees, interbank rate.

Send Now

Frequently Asked Questions

How long does it take to send money from Boston to Mumbai with Root?

Transfers typically take 1-4 business days to arrive in Mumbai bank accounts after confirmation.

Do I need to pay fees when sending from Boston to Mumbai?

No. Root charges zero fees on USD to INR transfers, so more money reaches your family in Mumbai.

Is TCS applicable when I send money from Boston to Mumbai?

Yes. If you or your recipient in India receives more than ₹7,00,000 in a financial year under LRS, 5% TCS is collected by the Indian bank. This applies regardless of your NRI status.

Can I send money from Boston to an NRE account in Mumbai?

Root currently supports NRO and regular savings or current accounts in India. NRE account support is coming soon.

What bank details are needed to send money from Boston to Mumbai?

You’ll need your recipient’s full name, bank name, account number, and 11-digit IFSC code for their Mumbai branch.