Sending Money to Delhi, India
How to send USD to a recipient in Delhi, Delhi. Bank transfer tips, IFSC codes, delivery times, and how Root makes it easy.
Delhi, the bustling capital of India, is a top destination for NRIs in the USA sending money home to family, managing real estate, or supporting local businesses. As one of the most active USD to INR remittance corridors, sending money to Delhi requires clarity on fees, compliance, and banking details. This guide covers everything you need to know about securely transferring funds from the United States to Delhi, including regulatory updates like TCS and account type support.
Delhi is a major economic, cultural, and educational hub in India, home to top institutions, thriving businesses, and millions of residents. NRIs often send money to Delhi for family support, property investments, school and college fees, medical expenses, or business operations.
Quick Facts
Transfer Fee
$0 — Root charges zero fees
Exchange Rate
CHECK_LIVE (interbank rate)
Transfer Time
1-4 business days to Delhi
Banks in Delhi
HDFC, SBI, ICICI, Axis — all supported
How to Send — Step by Step
Create Your Root Account
Download the Root app or sign up online. Verify your identity with basic documents to get started.
Pro tip: Verification usually takes less than a day.
Enter Transfer Amount in USD
Choose how much you'd like to send to Delhi. The app shows the current interbank exchange rate and guaranteed INR amount.
Add Recipient’s Bank Details
Provide your recipient’s full name, bank name, account number, and account type (NRO or savings/current).
Pro tip: Double-check the account number before proceeding.
Find the IFSC Code for Their Delhi Branch
Use the bank name and branch location (e.g., ICICI Bank, Connaught Place, Delhi) to find the correct 11-digit IFSC code. You can search online or ask your recipient to check their passbook or net banking.
Pro tip: An incorrect IFSC code can delay or cancel the transfer.
Review and Confirm
Check all details including the final INR amount, fees (zero with Root), and estimated delivery time. Confirm the transfer using your preferred payment method.
Local Tips
Delhi operates on IST (UTC+5:30), which is 10.5 to 13.5 hours ahead of the US, depending on daylight saving. Confirm transfer details with your recipient during overlapping hours for faster resolution.
Major banks like SBI and HDFC have numerous branches across South Delhi, Pitampura, and Rohini — ensure the IFSC matches the specific branch for smooth crediting.
For large transfers over ₹7,00,000 in a financial year, 5% TCS applies under LRS rules. While this doesn't block the transfer, recipients may see temporary tax withholding, so plan accordingly.
Send Money to Delhi with Root
Zero fees, interbank rate. Your family in Delhi receives INR directly.
Send to Delhi NowFrequently Asked Questions
Can I send money to any bank in Delhi?
Yes, Root supports major banks in Delhi including HDFC, SBI, ICICI, and Axis Bank. Just ensure you have the correct account number and IFSC code for the specific Delhi branch.
How long does it take to send money to Delhi?
Transfers to Delhi typically take 1-4 business days. Most recipients receive funds within 48 hours, depending on the Indian bank’s processing time.
Does TCS apply when I send money to Delhi?
Yes, 5% TCS is collected by the remitter if the total outward remittance exceeds ₹7,00,000 in a financial year under LRS. This applies regardless of the recipient’s city, including Delhi.
Can I send money to an NRI in Delhi?
Yes, but Root currently supports transfers to NRO and regular savings or current accounts in India. NRE account support is coming soon, so check for updates.
Is my recipient in Delhi required to have a PAN card?
Indian banks may ask for PAN for high-value transactions as part of KYC. While not always mandatory, having a PAN helps avoid processing delays.