Sending Money to Chandigarh, India
How to send USD to a recipient in Chandigarh, Punjab. Bank transfer tips, IFSC codes, delivery times, and how Root makes it easy.
Chandigarh, a well-planned union territory and capital of Punjab, is a key destination for USD to INR remittances from NRIs in the USA. Many send money to support family, manage real estate, fund education, or handle business operations. This guide covers everything you need to know about sending money from the United States to Chandigarh, including exchange rates, transfer times, compliance requirements like TCS, and best practices for smooth delivery.
Chandigarh is a major economic and cultural hub in North India, serving as the joint capital of Punjab and Haryana. Its high standard of living, quality education institutions, and organized real estate market make it a top choice for NRI investments and family support. NRIs frequently send money to Chandigarh for property maintenance, children's tuition, elderly care, and local business partnerships.
Quick Facts
Transfer Fee
$0 — Root charges zero fees
Exchange Rate
CHECK_LIVE (interbank rate)
Transfer Time
1-4 business days to Chandigarh
Banks in Chandigarh
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. Ensure your identity verification is complete to avoid delays.
Pro tip: Enable two-factor authentication for added security.
Start a New Transfer
Select 'Send Money to India' and enter the amount in USD you wish to send to your recipient in Chandigarh.
Enter Recipient Bank Details
Provide the recipient’s full name, Indian bank account number, and the IFSC code of their Chandigarh branch. Double-check the IFSC to avoid failed transfers.
Pro tip: You can find the correct IFSC code on the bank’s website or via the RBI portal using the branch name and city.
Review Exchange Rate and Confirm
Root displays the live interbank exchange rate and total INR expected. Confirm the details — no hidden fees are added.
Complete Transfer
Confirm the transaction using your preferred payment method. You’ll receive a tracking ID and updates via email/SMS.
Local Tips
Chandigarh operates on Indian Standard Time (IST), which is 10.5 hours ahead of New York. Initiate transfers early in your day to align with Indian banking hours.
Major banks like SBI and HDFC have multiple branches in sectors like 17, 35, and 8, making it easy for recipients to access funds. Confirm the exact branch IFSC to avoid delays.
For real estate transactions in Mohali or Panchkula (near Chandigarh), ensure the recipient’s bank complies with PAN and TCS norms for large deposits.
Send Money to Chandigarh with Root
Zero fees, interbank rate. Your family in Chandigarh receives INR directly.
Send to Chandigarh NowFrequently Asked Questions
Do I need to pay TCS when sending money to Chandigarh?
Yes, if you or your recipient in India has received cumulative remittances exceeding ₹7,00,000 in the financial year (April-March), 5% TCS will be deducted by the Indian bank. This is applied on the total amount above the threshold, not your individual transfer.
Can I send money to any bank in Chandigarh?
Yes, Root supports major banks including HDFC, SBI, ICICI, and Axis Bank branches across Chandigarh. Just ensure you have the correct account number and IFSC code for the specific branch.
Is NRE account support available for transfers to Chandigarh?
Root currently supports NRO and regular savings or current accounts in India. NRE account transfers are not yet supported but will be available soon.
What should I do if the transfer to my family in Chandigarh fails?
Failed transfers are typically due to incorrect IFSC or account details. Verify the recipient’s information and retry. Root will refund the amount within 2-5 business days if a transfer fails.
Is there a US Excise Tax on sending money to Chandigarh?
As of early 2026, there is no 1% US Excise Tax on international wire transfers — the proposal was not enacted. You only pay what your provider charges; Root charges $0 in fees.