Sending Money from Houston to Mumbai
How NRIs in Houston send USD to Mumbai, India. Zero fees, interbank rate, and fast delivery with Root.
For NRIs living in Houston, Texas, sending money to family in Mumbai, Maharashtra, is a vital lifeline. The Houston to Mumbai corridor is one of the most active remittance routes due to the large Indian-American community in the region. With high living costs in Mumbai and emotional connections driving regular support, getting the best exchange rate and low fees matters. Root helps Houston-based NRIs send money to Mumbai faster and cheaper than traditional banks.
Sending USD to INR from Houston to Mumbai is a common need for Indian expats supporting family back home. The transfer typically takes 1-4 business days, and fees can vary widely. Choosing a transparent, low-cost service like Root means more money reaches loved ones in Mumbai.
Houston has a growing NRI population, many of whom maintain strong familial and financial ties to Mumbai. Whether for education, healthcare, or home expenses, remittances from Houston help support a high-impact lifestyle in India’s financial capital.
Quick Facts
Transfer Fee
$0 — Root charges zero fees
Exchange Rate
CHECK_LIVE (interbank rate)
Transfer Time
1-4 business days to Mumbai
From
Houston, Texas
To
Mumbai, Maharashtra
How to Send
Log in to Root
Access your Root account online or via the mobile app from Houston.
Enter Amount in INR or USD
Specify how much you want to send to your recipient in Mumbai.
Add Recipient Details
Provide the recipient’s name, bank name, account number, and IFSC code for their Mumbai bank branch.
Confirm and Send
Review the transaction summary and confirm the transfer from your Houston-based account.
Send Money from Houston to Mumbai with Root
Zero fees, interbank rate.
Send NowFrequently Asked Questions
How long does it take to send money from Houston to Mumbai with Root?
Most transfers from Houston to Mumbai take 1-4 business days, depending on the recipient bank’s processing time and whether all details (like IFSC) are correct.
Do I need to pay taxes when sending money from Houston to Mumbai?
Under Indian regulations, 5% TCS is collected by the remittance provider if you’ve sent over ₹7,00,000 (approx. $8,400) in a financial year. This applies to the total amount sent to India, regardless of recipient location.
Can I send money from Houston to an NRE account in Mumbai?
Root currently supports transfers to NRO and regular savings or current accounts in Mumbai. NRE account support is coming soon. Contact Root support for updates.
What information do I need to send money from Houston to a family member in Mumbai?
You’ll need the recipient’s full name, bank account number, IFSC code of their Mumbai branch, and bank name. For large transfers, they may need to provide PAN to their bank for compliance.
Is there a limit on how much I can send from Houston to Mumbai?
Root does not impose a limit. However, Indian tax authorities apply 5% TCS on remittances exceeding ₹7,00,000 in a financial year under LRS. This is a reporting and compliance requirement, not a block on sending.