City GuideUSD → INR

Sending Money from Chicago to Surat

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

Updated March 31, 2026

For NRIs in Chicago, Illinois, sending money to family in Surat, Gujarat, is a vital financial connection. Surat’s growing economy and close-knit communities make it a common recipient city for remittances from abroad. With rising costs and regulatory changes like TCS, it's essential to choose a fast, transparent way to send USD to INR. Root offers Chicago-based NRIs a seamless way to support loved ones in Surat without hidden fees or delays.

Sending money from Chicago to Surat involves converting USD to INR securely and efficiently. Timing and exchange rates matter—especially for time-sensitive family needs. Using a zero-fee service with the interbank rate ensures maximum value reaches recipients in Surat.

The NRI community in Chicago has strong cultural and familial ties to cities like Surat, known for its textile and diamond industries. Many send regular remittances to support parents, siblings, or investments in real estate and education. These connections make the Chicago-to-Surat corridor a high-priority route for reliable, low-cost transfers.

Quick Facts

Transfer Fee

$0 — Root charges zero fees

Exchange Rate

CHECK_LIVE (interbank rate)

Transfer Time

1-4 business days to Surat

From

Chicago, Illinois

Surat, Gujarat

How to Send

Open Your Root Account

Download the Root app or visit the website and complete quick KYC using your U.S. ID and address in Chicago.

Pro tip: Ensure your contact and tax details are up to date for faster verification.

Enter Transfer Details

Input the amount in USD you’d like to send from Chicago to a bank account in Surat, Gujarat.

Pro tip: Double-check the recipient's full name and account number to avoid delays.

Provide Recipient Bank Info

Enter the Surat-based recipient's bank name, IFSC code, and account type (NRO or savings/current).

Pro tip: An incorrect IFSC code can delay or reject the transfer—verify via your bank's website.

Review Exchange Rate & Confirm

See the live USD to INR rate and the exact INR amount the recipient in Surat will get. Confirm the transaction.

Pro tip: Large transfers over ₹7,00,000 may trigger 5% TCS—plan accordingly.

Complete Secure Payment

Fund your transfer via linked bank account or debit card from your Chicago location.

Pro tip: Bank transfers often have lower processing costs than cards.

Track & Notify

Receive real-time updates as your money moves from Chicago to Surat. Alert your recipient once delivered.

Pro tip: Share tracking info so your family in Surat knows when to expect funds.

Send Money from Chicago to Surat with Root

Zero fees, interbank rate.

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Frequently Asked Questions

How long does it take to send money from Chicago to Surat?

Transfers from Chicago to Surat typically take 1 to 4 business days, depending on bank processing times and when the transaction is initiated.

Are there any taxes when sending money from Chicago to Surat?

Yes, if the total remittances to a recipient in India exceed ₹7,00,000 in a financial year, 5% TCS is applied on the excess amount. This rule applies regardless of whether the sender is in Chicago or elsewhere.

What bank details do I need to send money from Chicago to a relative in Surat?

You’ll need the recipient’s full name, bank account number, IFSC code of the Surat branch, and account type. NRE support is coming soon—currently, Root supports NRO and regular savings accounts.

Can I send money from Chicago to any bank in Surat?

Yes, as long as you have the correct IFSC code and account details, you can send to major banks in Surat including SBI, HDFC, ICICI, and Axis Bank.

Is my money safe when sending from Chicago to Surat through Root?

Yes. Root complies with both U.S. financial regulations and FEMA guidelines under India’s foreign exchange rules, ensuring secure and compliant USD to INR transfers.