Sending Money to Amritsar, India
How to send USD to a recipient in Amritsar, Punjab. Bank transfer tips, IFSC codes, delivery times, and how Root makes it easy.
Amritsar, the spiritual and cultural heart of Punjab, is a key destination for USD to INR remittances from NRIs in the USA. Many send money to support family, invest in real estate, or fund local businesses and religious institutions. This guide covers everything you need to know about sending money securely from the United States to Amritsar, including exchange rates, transfer times, regulatory requirements like TCS, and practical tips for smooth delivery.
Amritsar is a major economic and cultural hub in Punjab, home to the Golden Temple and a thriving network of small businesses, educational institutions, and agricultural trade. NRIs frequently send money to Amritsar for family support, property purchases, wedding expenses, and contributions to religious or community projects.
Quick Facts
Transfer Fee
$0 — Root charges zero fees
Exchange Rate
CHECK_LIVE (interbank rate)
Transfer Time
1-4 business days to Amritsar
Banks in Amritsar
HDFC, SBI, ICICI, Axis — all supported
How to Send — Step by Step
Log in to Your Root Account
Access your Root app or website and log in securely. If you're new, complete a quick verification using your US ID and proof of address.
Pro tip: Use biometric login for faster access on mobile.
Start a New Transfer
Select 'Send Money to India' and enter the amount in USD or INR. The system will show you the live exchange rate and total delivery estimate.
Enter Recipient Details in Amritsar
Add your recipient’s full name, phone number, and Indian bank account number. Be sure to match the name exactly as it appears on their bank account.
Find the Correct IFSC Code
Enter the 11-character IFSC code for the recipient’s specific bank branch in Amritsar. You can find this on the bank’s website, passbook, or by asking the branch directly.
Pro tip: An incorrect IFSC code is the most common cause of failed transfers — double-check it before sending.
Review and Confirm Transfer
Verify all details including the final INR amount, recipient bank, and any applicable TCS implications if this is part of a larger annual transfer.
Track Delivery to Amritsar
Once confirmed, Root will process your transfer. You’ll receive updates until the funds land in the recipient’s Amritsar-based bank account.
Local Tips
The best time to send money to Amritsar is between 9 AM and 5 PM IST (9:30 PM to 5:30 AM EST), when Indian banks are open and issues can be resolved quickly.
Some large transfers to Amritsar banks may require the recipient to provide PAN — advise them to keep it ready if sending more than ₹7,00,000 in a financial year.
SBI’s Golden Temple Branch and HDFC’s Ranjit Avenue branch in Amritsar are commonly used and process INR remittances efficiently.
Send Money to Amritsar with Root
Zero fees, interbank rate. Your family in Amritsar receives INR directly.
Send to Amritsar NowFrequently Asked Questions
How long does it take to send money from the USA to Amritsar via Root?
Transfers typically take 1-4 business days to reach banks in Amritsar. Delays may occur if IFSC or account details are incorrect or during Indian public holidays.
Can I send money to any bank in Amritsar using Root?
Yes, Root supports major banks in Amritsar including SBI, HDFC, ICICI, and Axis Bank. Ensure you have the correct IFSC code for the specific branch.
Is TCS applicable when I send money to my family in Amritsar?
Yes, 5% TCS applies under LRS rules if the total remittances to India exceed ₹7,00,000 (~$8,400) in a financial year. This is collected at source and can be adjusted during income tax filing in India.
Can I use Root to send money to an NRE account in Amritsar?
Currently, Root supports transfers to NRO and regular savings or current accounts in India. NRE account support is coming soon.
What should my family in Amritsar do if the transfer doesn’t arrive?
First, confirm the IFSC and account number are correct. If everything checks out, contact Root support with the transaction ID — we’ll trace the transfer and resolve within 1-2 business days.