Sending Money to Gujarat, India
How to send USD to Gujarat. Transfer times, bank tips, regulatory notes, and how Root delivers INR to any bank in Gujarat.
This guide helps NRIs in the USA send money to family, property, or business contacts in Gujarat, India. Many NRIs support loved ones in Gujarat for expenses like education, medical care, home construction, or local investments. It covers exchange rates, transfer steps, compliance requirements, and Gujarat-specific tips to ensure smooth USD to INR remittances. Stay informed about TCS, IFSC codes, and account types to avoid delays.
Gujarat has a strong industrial and agricultural economy, with major sectors including petrochemicals, textiles, diamond polishing, and dairy. Cities like Ahmedabad, Vadodara, and Rajkot are hubs for small and medium enterprises, attracting NRI investments. Many NRIs have family roots here and send money regularly for household support, land purchases, or education.
Quick Facts
Transfer Fee
$0 — Root charges zero fees
Exchange Rate
CHECK_LIVE (interbank rate)
Transfer Time
1-4 business days to Gujarat
Major Banks
SBI, HDFC, ICICI, Axis — all supported in Gujarat
How to Send — Step by Step
Log in to Your Root Account
Access your Root app or website and log in securely. Ensure your profile is verified with valid ID and address proof.
Pro tip: New users must complete KYC verification before sending money.
Start a New Transfer to Gujarat
Select 'Send Money to India' and enter the USD amount you'd like to transfer. The system shows the live INR equivalent.
Pro tip: Check the breakdown to confirm no hidden fees are applied.
Add Recipient’s Bank Details in Gujarat
Enter the recipient's full name, bank account number, and correct IFSC code. Select NRO or regular savings account type.
Pro tip: Double-check the IFSC code—errors here can delay or cancel the transfer.
Review TCS and Compliance Info
If your total remittances exceed ₹7,00,000 in the financial year, 5% TCS will be deducted at source. Confirm your PAN is added if needed.
Pro tip: TCS is adjustable against your final tax liability—keep records for filing.
Confirm and Send
Review all details, including exchange rate and transfer time. Confirm the transaction using your security method.
Pro tip: You’ll receive a tracking ID and updates via email or SMS.
Local Tips
In Gujarat, many recipients use SBI or ICICI branches in Ahmedabad and Vadodara—ensure the IFSC corresponds to the exact branch.
Use remittances for permitted purposes under FEMA: family maintenance, property purchases, or business investments are allowed.
For large transfers above ₹7 lakh, share TCS implications with your family—banks may request PAN for compliance.
Send Money to Gujarat with Root
Zero fees, interbank rate. INR credited directly to any bank in Gujarat.
Send NowFrequently Asked Questions
Can I send money to a relative in Surat, Gujarat, using Root?
Yes, you can send money to any city in Gujarat, including Surat, as long as you have the correct bank account number and IFSC code. Root supports all major banks in the state.
Does TCS apply when I send money to my parents in Gujarat?
Yes, 5% TCS applies if your total remittances under LRS exceed ₹7,00,000 in the Indian financial year. This is collected at source and reported to Indian tax authorities.
What bank details do I need to send money to a family member in Gujarat?
You'll need the recipient's full name, bank account number, IFSC code, and account type (NRO or regular savings). NRE account support is coming soon.
Is there a limit on how much I can send to Gujarat from the USA?
There’s no cap on how much you can send, but Indian tax rules require 5% TCS on LRS remittances over ₹7,00,000 per financial year. Purpose must comply with FEMA guidelines.
Are there any taxes in the USA when I wire money to India?
As of early 2026, there is no US Excise Tax on international wire transfers. A proposed 1% tax on transfers over $0 was not enacted—always confirm current federal rules.