Sending Money from Texas to India
How NRIs in Texas can send USD to INR. Bank options, fees, limits, regulatory notes, and the easiest way to transfer with Root.
Indian-Americans in Texas are part of a growing NRI community sending over USD to INR for family, investments, and savings back home. This guide helps NRIs in Texas navigate secure, cost-effective remittances to India using Root. We cover fees, transfer times, regulatory considerations like TCS, and practical steps specific to Texas residents. Whether you're in Houston, Austin, or Dallas, sending money home has never been simpler.
Texas has become a major hub for Indian professionals, especially in cities like Austin, Dallas, and Houston, driven by opportunities in tech giants, healthcare institutions, and energy firms. The state's strong Indian community networks and cultural centers reflect deep-rooted ties to India, fueling regular financial remittances.
Quick Facts
Transfer Fee
$0 — Root charges zero fees
Exchange Rate
CHECK_LIVE (interbank rate)
Transfer Time
1-4 business days
State Regulation
Root is licensed as a Money Transmitter in Texas
How to Send — Step by Step
Download Root and Verify Identity
Sign up on the Root app using your U.S. ID and SSN. As a Texas resident, complete KYC verification to unlock international transfers.
Pro tip: Have your passport and U.S. visa details ready for faster approval.
Link Your U.S. Bank Account
Connect your Texas-based checking account via Plaid or manual entry. Root supports major U.S. banks like Chase, Wells Fargo, and Bank of America.
Pro tip: Use same-day ACH for quicker initial funding if available.
Enter Transfer Details
Select India as destination, enter recipient’s full name, Indian bank name, IFSC code, and account number. Confirm if it's an NRO or savings account.
Pro tip: Double-check the IFSC code using your bank’s official website to avoid errors.
Review Exchange Rate and Confirm
View the live USD to INR interbank rate and total amount in rupees. Root locks in the rate for 30 seconds once confirmed.
Pro tip: Large transfers? Monitor rates and send during market hours for optimal value.
Confirm TCS Applicability
If cumulative remittances exceed ₹7,00,000 (~$8,400) in a financial year, 5% TCS will apply. Root notifies you before sending.
Pro tip: Keep records of PAN and Form 15CA/CB if required by your recipient’s bank for compliance.
Track and Notify Recipient
Once sent, track the transfer in-app. Funds typically arrive in 1–4 business days. Alert your recipient to expect INR credit.
Pro tip: Delays may occur if IFSC or account details are incorrect — verify twice before sending.
Rules & Regulations
TCS on High-Value Remittances
Under Indian tax rules effective October 2023, 5% Tax Collected at Source (TCS) applies to outward remittances exceeding ₹7,00,000 (~$8,400) in a financial year under LRS. While NRIs are not restricted by LRS limits, this TCS may still be collected by the payment processor if the money is credited to a resident Indian account. Consult a tax advisor for planning large transfers from Texas.
FEMA & Permissible Purposes
Under FEMA regulations, funds sent to India must not be used for prohibited activities like gambling, lottery, or real estate purchase by non-residents (unless under specific schemes). Root complies with all U.S. and Indian anti-money laundering rules and may request purpose documentation for high-value or frequent transfers.
Account Type Support
Root currently supports transfers to NRO, regular savings, and current accounts in India. NRE account support is under development. Ensure your recipient knows which account type they’re using, as tax treatment varies between NRO and NRE.
Send Money from Texas to India with Root
Zero fees, interbank rate, and fast delivery. Built for NRIs in Texas.
Get StartedFrequently Asked Questions
Do I have to pay extra taxes when sending money from Texas to India?
Root does not withhold U.S. taxes on personal remittances. However, if the total amount sent to India exceeds ₹7,00,000 (~$8,400) in a financial year, Indian banks or intermediaries may collect 5% TCS under new rules from October 2023. This applies to the recipient-side account under Indian law, not your U.S. tax liability. Always consult a cross-border tax expert.
Can I send money from Houston, TX using Root?
Yes, residents of Houston, Austin, Dallas, and all major Texas cities can use Root seamlessly. As long as you have a U.S. bank account and valid identification, you can send USD to INR transfers from anywhere in Texas with zero fees and competitive exchange rates.
How long does it take for money to reach India from Texas?
Transfers typically arrive in 1–4 business days after confirmation. Timing depends on Indian banking hours and weekends/holidays in India. Sending early in the week from Texas improves chances of faster processing.
What if I enter the wrong IFSC code for my relative’s bank in India?
An incorrect IFSC code can delay or reject the transfer. If rejected, Root returns the funds to your U.S. bank account within 3–5 business days. Always verify the 11-digit IFSC code through your recipient’s bank website or passbook before sending.
Is Root safe for sending large amounts from Texas to India?
Yes, Root is licensed as a Money Transmitter in Texas and uses bank-grade encryption and compliance protocols. For large transfers over $10,000, standard reporting applies under U.S. anti-money laundering laws, but personal remittances are fully supported with full transparency.