Sending Money to Surat, India
How to send USD to a recipient in Surat, Gujarat. Bank transfer tips, IFSC codes, delivery times, and how Root makes it easy.
Surat, a thriving city in Gujarat, is a key destination for NRIs in the USA sending money home for family, property investments, and growing businesses. This guide covers everything you need to know about transferring USD to INR for recipients in Surat. From exchange rates and transfer times to India-specific rules like TCS and IFSC codes, we help you send money securely and cost-effectively. Learn how to avoid common pitfalls and ensure smooth delivery to banks across Surat.
Surat is one of Gujarat’s fastest-growing cities, with a strong industrial and entrepreneurial base. Many NRIs send money to Surat for family support, real estate purchases, and funding local businesses. Its proximity to Mumbai and robust banking infrastructure make it a preferred destination for remittances.
Quick Facts
Transfer Fee
$0 — Root charges zero fees
Exchange Rate
CHECK_LIVE (interbank rate)
Transfer Time
1-4 business days to Surat
Banks in Surat
HDFC, SBI, ICICI, Axis — all supported
How to Send — Step by Step
Log in to Your Root Account
Access your Root account via the app or website. Ensure your identity verification is complete to avoid transfer delays.
Pro tip: First-time users may need to upload a government-issued ID.
Enter Recipient Details
Provide the full name, address, and 11-digit Indian bank account number for your recipient in Surat.
Pro tip: Double-check the spelling of the recipient’s name as it must match their bank records exactly.
Find the IFSC Code for the Surat Bank Branch
Use the IFSC lookup tool in the Root app or ask your recipient for the 11-character code of their Surat branch.
Pro tip: An incorrect IFSC code can result in failed or delayed transfers — verify this carefully.
Enter Transfer Amount in USD
Choose how much you’d like to send. If exceeding ₹7,00,000 in a financial year, be aware that 5% TCS applies under LRS rules for Indian residents receiving funds.
Pro tip: Spread large amounts across financial years to manage TCS implications if needed.
Review Exchange Rate and Confirm
Check the live interbank exchange rate (no hidden markups). Confirm the total INR amount your recipient will get.
Pro tip: Exchange rates fluctuate — lock in the rate when favorable.
Submit and Track Your Transfer
Complete the transfer securely. Track its progress in real time through the Root dashboard.
Pro tip: Share the tracking ID with your recipient so they know when to expect the funds.
Local Tips
Surat banks operate on India time (IST), so plan transfers during overlapping US-India business hours for quicker processing.
Major branches like HDFC in Ring Road or SBI in市中心 (City Center) handle high volumes of remittances — ensure you have the exact branch IFSC.
For real estate transactions, recipients may need PAN card details for compliance with Indian tax rules on large deposits.
Send Money to Surat with Root
Zero fees, interbank rate. Your family in Surat receives INR directly.
Send to Surat NowFrequently Asked Questions
Can I send money to any bank in Surat using Root?
Yes, Root supports transfers to HDFC, SBI, ICICI, Axis, and most major banks in Surat, as long as you provide the correct IFSC code for the specific branch.
How long does it take to send money from the USA to Surat?
Transfers typically take 1-4 business days to reach bank accounts in Surat, depending on the recipient bank and verification processes.
Is TCS applicable when I send money to Surat?
Yes, if the total remittances to an Indian resident exceed ₹7,00,000 in a financial year, 5% TCS is collected by the bank under LRS rules. This applies to the recipient if they are a resident Indian.
Do I need to provide a PAN card for the recipient in Surat?
While not always required, Indian banks may ask for the recipient's PAN for large transfers as part of anti-money laundering and tax compliance under FEMA regulations.
Is the US Excise Tax on international transfers currently in effect?
No, the proposed 1% US Excise Tax on international wire transfers was not enacted as of early 2026. You are not charged this tax when sending money via Root.