Sending Money to India for Navratri
How to send money to family in India for Navratri. Timing tips, best rates, and how Root gets your transfer there on time.
Navratri is a vibrant nine-night festival celebrating the divine feminine, a time when families across India come together in joy, prayer, and celebration. For NRIs in the USA, sending money home for Navratri helps loved ones celebrate with new clothes, puja essentials, and festive meals. This guide walks you through everything you need to know to send money smoothly and securely to India for Navratri. From timing and compliance to delivery options, ensure your support arrives with love and on time.
Navratri typically falls in September or October, depending on the Hindu lunar calendar, and culminates in Dussehra. It is celebrated with Garba and Dandiya Raas dances, daily prayers, and community feasts, especially in Gujarat, Maharashtra, and North India. NRIs often send money to help family members cover expenses for clothes, decorations, ritual items, and hosting guests during this spiritually and culturally rich festival.
Tips for Sending on Time
Send Early to Avoid Delays
Banks and remittance platforms may experience higher volumes during Navratri season. Initiate your transfer at least 5-7 business days before the festival begins to ensure funds arrive on time.
Confirm IFSC and Account Details
Even small errors in the recipient's IFSC code can delay or reject the transfer. Double-check the 11-character IFSC and account number before sending, especially if sending to an NRO or savings account.
Be Aware of TCS on Large Transfers
If your total remittances to India exceed ₹7,00,000 ($8,400 approx) in a financial year, 5% TCS will be deducted at source. Factor this in when sending a larger amount for Navratri expenses.
Consider Splitting Large Transfers
To manage TCS impact, some NRIs choose to split large amounts across multiple transfers or across family members' accounts, staying mindful of Indian tax and compliance rules.
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 quick verification to get started.
Pro tip: Enable two-factor authentication for added security when sending festive gifts.
Enter the Amount in USD
Choose how much you'd like to send in USD. Root shows the live INR equivalent using the mid-market rate.
Pro tip: CHECK_LIVE
Add Recipient’s Bank Details
Enter your family member's full name, bank account number, and correct IFSC code. Root supports NRO and regular savings accounts in India.
Pro tip: For faster processing, verify the IFSC code using your recipient’s bank website or mobile app.
Review Exchange Rate and Fees
Root offers zero transfer fees and real-time exchange rates. Confirm the final amount your recipient will get.
Pro tip: Compare CHECK_LIVE rates to ensure you're getting the best value for Navratri gifting.
Confirm and Send
Review all details and confirm the transfer. You’ll receive a tracking ID and delivery updates via email or app.
Pro tip: Set a reminder to notify your family once the money is sent so they can plan Navratri purchases accordingly.
Track Delivery
Funds typically arrive in 1-4 business days. Track the status in the app and share updates with your family in India.
Pro tip: Contact Root support if the transfer takes longer than expected during the busy festival season.
Make Navratri Special for Your Family in India
Send money with Root — zero fees, delivered in 1-4 business days.
Send for NavratriFrequently Asked Questions
When should I send money for Navratri to ensure it arrives on time?
To ensure funds arrive before Navratri begins, send your money at least 5-7 business days prior to the festival start date. This accounts for processing and banking times.
Is TCS applicable when sending money to India for Navratri celebrations?
Yes, 5% TCS applies if your total remittances under LRS exceed ₹7,00,000 in a financial year. This is deducted at source by the bank or platform facilitating the transfer.
Can I send money directly for Garba event expenses or gifts during Navratri?
Yes, you can send money for cultural and family events like Garba, shopping, or gifting. These are allowed under FEMA guidelines for personal remittances to India.
What bank details do I need to send money to India for Navratri?
You’ll need the recipient’s full name, bank account number, and 11-digit IFSC code. Ensure the account is active and accepts inward remittances (NRO or savings account).
Does Root support NRE accounts for sending money during Navratri?
Root currently supports NRO and regular savings or current accounts in India. NRE account support is coming soon — check the app for updates.
Is sending money for Navratri gifts taxable in India for the recipient?
Gifts from immediate relatives are generally not taxable in India. However, the sender should be aware of TCS implications on large remittances over ₹7,00,000 annually.