Sending Money to India for Dussehra
How to send money to family in India for Dussehra. Timing tips, best rates, and how Root gets your transfer there on time.
Dussehra is a cherished time for NRIs in the USA to connect with loved ones back home, sharing in the joy of good triumphing over evil. Many send money to support family celebrations, whether for new clothes, festive meals, or gifting. This guide helps you send funds to India smoothly and on time for Dussehra, with insights on exchange rates, compliance, and timing. Learn how to make your transfer count—emotionally and practically.
Dussehra typically falls in October, marking the end of Navratri and the victory of Lord Rama over Ravana. It's a time of family gatherings, prayers, feasts, and exchanging gifts. NRIs often send money to help parents, siblings, or relatives cover festival expenses, ensuring they can celebrate fully—even if far apart.
Tips for Sending on Time
Send Early
Begin your transfer at least 5–7 business days before Dussehra to account for bank processing and time zone differences. Delays increase closer to the festival.
Check IFSC Code Carefully
An incorrect IFSC code is the most common reason for failed transfers. Confirm it directly with your recipient and verify it through your bank or official sources.
Be Mindful of TCS on Large Transfers
If you've sent over ₹7,00,000 (~$8,400) this financial year, 5% TCS applies. Factor this in when deciding your Dussehra transfer amount.
Consider Smaller, Frequent Gifts
Instead of one large transfer, split into smaller ones if near the TCS threshold. This helps manage tax impact while still supporting celebrations.
How to Send — Step by Step
Log In to Root
Access your Root account through the app or website. Ensure your identity verification is complete to avoid delays.
Pro tip: If this is your first time, verification may take a few hours—don’t wait until the last minute.
Enter Recipient Details
Add your family member’s full name, Indian bank account number, and correct IFSC code. Root currently supports NRO and regular savings/current accounts.
Pro tip: Ask your recipient to confirm their account type (NRO vs NRE)—NRE support is coming soon.
Enter Transfer Amount in USD
Choose how much you’d like to send. Root shows the live exchange rate and estimated INR amount. CHECK_LIVE
Pro tip: For Dussehra, transfer by the first week of October to ensure delivery before festivities begin.
Review TCS Implications
If your total remittances under LRS (for recipient compliance) exceed ₹7,00,000 this year, 5% TCS will apply. You’ll need to report it for Indian tax purposes.
Pro tip: Keep a record of all transfers for your Indian tax filings.
Confirm and Send
Double-check all details, especially the IFSC and account number. Once confirmed, your transfer is processed with zero fees.
Pro tip: Root delivers funds to India in 1-4 business days—track your progress in the app.
Make Dussehra Special for Your Family in India
Send money with Root — zero fees, delivered in 1-4 business days.
Send for DussehraFrequently Asked Questions
Can I send money to India for Dussehra using Root?
Yes, you can send money to India for Dussehra via Root. Transfers typically arrive in 1-4 business days, so send by early October to ensure funds are available before the festival.
Is there a limit on how much I can send for Dussehra?
There’s no specific Dussehra limit. NRIs can send as needed—though transfers over ₹7,00,000 in a financial year attract 5% TCS under Indian regulations. No LRS restrictions apply to NRIs sending to India.
Will my family pay tax on the money I send for Dussehra?
No, gifts from NRIs to relatives are tax-free in India under the Income Tax Act. However, TCS at 5% may be collected by the bank if your total remittances exceed ₹7,00,000 in the year.
What details do I need to send money to my family in India?
You’ll need your recipient’s full name, Indian bank account number, and correct IFSC code. Confirm if it’s an NRO or savings account—Root supports both. NRE support is coming soon.
Is there a US Excise Tax on sending money to India for Dussehra?
As of early 2026, the proposed 1% US Excise Tax on international transfers has not been enacted. You won’t pay this tax when sending with Root—always CHECK_LIVE for updates before transferring.