Sending Money to Patna, India
How to send USD to a recipient in Patna, Bihar. Bank transfer tips, IFSC codes, delivery times, and how Root makes it easy.
Many NRIs in the USA send money to Patna, Bihar, to support family, manage property, or fund local businesses. This guide covers everything you need to know about transferring USD to INR for recipients in Patna. From exchange rates and transfer times to IFSC codes and tax implications, we help you send money safely and efficiently. Learn how to maximize value and avoid common pitfalls when remitting to this historic capital city of Bihar.
Patna is one of India’s oldest cities and the capital of Bihar, with a population over 2 million. It serves as a center for education, agriculture, and small-scale industries, attracting remittances for family maintenance, real estate investments, school and college fees, and local business ventures. Many NRIs with roots in Bihar continue to support relatives and community projects in Patna through regular international transfers.
Quick Facts
Transfer Fee
$0 — Root charges zero fees
Exchange Rate
CHECK_LIVE (interbank rate)
Transfer Time
1-4 business days to Patna
Banks in Patna
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: Keep your passport and U.S. visa documents handy if prompted for re-verification.
Start a New Transfer
Select 'Send Money to India' and enter the amount in USD or INR. The system will show the live exchange rate and confirm zero fees.
Add Recipient's Bank Details
Enter the recipient’s full name, Indian bank account number, and correct IFSC code for their Patna branch. Double-check spelling and digits.
Pro tip: Use the bank’s official website or mobile app to verify the IFSC code for the exact Patna branch.
Confirm IFSC and Account Type
Ensure the account type is correctly set — Root supports NRO and regular savings or current accounts in Patna. NRE accounts are not yet supported.
Review and Confirm Transfer
Check all details, including TCS impact for amounts over ₹7,00,000 in a financial year. Confirm the transaction using two-factor authentication.
Track Delivery to Patna
You’ll receive real-time updates. Funds usually arrive in 1–4 business days and are credited directly to the recipient’s bank account in Patna.
Local Tips
Patna operates in IST (UTC+5:30), so schedule transfers during U.S. morning hours to align with Indian banking workdays.
SBI and HDFC have multiple branches across Patna; always confirm the IFSC corresponds to the exact branch, not just the city.
For education or medical payments, include a reference note with the transfer to help recipients identify the purpose.
Avoid weekend transfers to reduce processing delays, especially with public holidays in India.
Send Money to Patna with Root
Zero fees, interbank rate. Your family in Patna receives INR directly.
Send to Patna NowFrequently Asked Questions
Why is my transfer to Patna taking longer than 4 days?
Delays can occur due to incorrect IFSC codes, bank holidays in India, or recipient bank verification processes. Always confirm the IFSC and account number before sending.
Do I need to pay TCS when sending over $8,400 (₹7 lakh) to a family member in Patna?
Yes. As of October 2023, 5% TCS applies on cumulative remittances exceeding ₹7,00,000 in a financial year under the LRS. This is collected at source by the remittance provider, even though you're an NRI sending to India.
Can I send money from the USA to an NRE account in Patna using Root?
Not yet. Root currently supports NRO and regular savings or current accounts in Patna. NRE account support is planned for a future update.
Is it safe to send money to Patna via Root compared to other methods?
Yes. Root uses bank-level encryption and complies with FEMA and U.S. financial regulations. Transfers go directly to verified Indian bank accounts, reducing fraud risk compared to cash pickup services.
What should my family in Patna do if the transfer doesn’t reflect in their account?
First, check the transaction status in the Root app. If pending, wait 24 hours. If failed, contact Root support. Provide the UTR number and ensure the IFSC and account number are correct.