How to Send a Large Amount of Money from USA to India

Are you worried that you will have to run from bank to bank to send money home to your family in India, while you are living in the USA? There is good news for you. With advancements in technology, it has become much more convenient and safer to send money overseas through the online or offline mode. Here are some effective and easy ways to send large amounts of money from America to India.

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Wire Transfer

One of the oldest methods of transferring money overseas is through a wire transfer. It has been in existence for more than 5 decades now. To transfer money via this mode, you will have contact to a bank or third-party agency and provide them with all the necessary details for transferring the money. Your money will reach India within 24 hours, although this transfer does entail a fee, says an article on Hubstaff. This method has some limitations, such as being less secure than other means and that you cannot cancel the transfer, once the process has started. The charges for a speedy transfer can vary from $10 to $35.


Another efficient way to transfer a large amount of money from the USA to India in an instant is PayPal. You can directly transfer large amounts through your bank account or credit card. And, you don’t have to pay any extra charges for sending money overseas either. The recipient might have to pay a small charge for this transaction, however. Moreover, this option is easy-to-use and mobile-friendly.

Western Union

If you are looking for a convenient and reliable way to transfer money from the USA, Western Union is one of the most trusted brands. It the process of the transaction is extremely easy to understand and use. Western Union has branches in almost every country and offers local withdrawal facilities as well. It comes with over 125,000 branches in India for delivery and pickup. However, it can take up to a week or more to make the transfer, depending on the location and amount of money to be transferred.


Are you looking for a cheap and online way to send money to India? Then, Transferwise is an ideal option for you. It offers the mid-market rate or “real exchange rate,” but, it can take more time than other modes, says an article on CompareRemit. Also, it is convenient, as you can choose to transfer yours through its mobile application. For instances, it takes 2-3 business days to transfer money from Canada to India. And, if you are sending $1,000, you will have to pay $8.94 extra as charges. So, it is one of the best ways, if time constraint is not an issue.

While choosing the best way to send money to your friends or family in India, make sure you consider things such as speed, convenience, exchange rates, extra charges, etc. Also, ensure that the company you are choosing for transferring huge amounts is reliable and dependable. You can talk to some of their previous customers and know about their experience with the company. Compare the exchange rates of various companies and chose the one suitable for you. If you are still not sure, consult an expert who will help you make the right decision.

About the author

Mani Karthik

Having lived in the USA, India & Middle East for over a decade, and having worked for big MNC's to startups, I have a lot to share with you. My aim is to help people, by sharing everything I've learned in life through this blog. Come join my pursuit of happiness! Be a smarter, richer, happier person. WhatsApp me at +001-408-489-4785. Subscribe to my YouTube channel here. <3

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MK Bio

Having lived in the USA, India and UAE, I share everything that I’ve learned in life. My aim is to help people by sharing whatever I know, through this blog. Come join my pursuit in becoming a smarter, richer & happier person! Here’s my story so far!