Sending a large amount of money to India is a big moment — whether it’s to support your family, cover medical costs, help with a wedding, fund an education, or purchase property. You deserve a process that feels simple and secure.
With Remitly, you can send a single transfer of up to $100,000 from the US to India, right from your phone or computer. This guide walks you through each step so you know what to expect.
Before You Start: What to Have Ready
Having a few documents on hand before you begin can help keep things moving smoothly.
| Document | Description of Document |
| A valid photo ID | Driver’s license or passport |
| Proof of address | A utility bill or bank statement |
| Your recipient’s bank details | Their full name, bank account number, and IFSC code. |
| Source of funds information | A bank statement or pay stub (may be requested for larger transfers). |
You can gather these as you go, but having them ready can save time.
Step 1: Set Up Your Remitly Account
If you’re new to Remitly, getting started takes just a few minutes.
Download the Remitly app or visit remitly.com. Create your account using your email address and a password, then select India as your destination country.
If you already have an account, you can move to the next step.
Step 2: Verify Your Identity
Before sending a large transfer, you’ll be asked to verify your identity. This is a standard step designed to help protect you and your money.
You’ll typically need to upload a government-issued photo ID, and in some cases, proof of address. Most people complete this process in just a few minutes. Once verified, higher sending limits become available — including the ability to send up to $100,000 in a single transfer from the US to India.
Step 3: Enter Your Transfer Amount
Enter the amount you’d like to send — for example, $15,000.
You’ll see a clear breakdown of:
- The exchange rate you’re receiving
- Any fees
- The exact amount in Indian rupees your recipient will receive
Fees: Remitly charges no transaction fee on transfers of $1,000 or more to India when sending from the U.S. On a $15,000 transfer, you would not pay a transaction fee.
Payment method: For large transfers, paying by bank account is an option. Debit and credit card options may also be available.
Delivery speed: Paying via bank account typically takes 3-6 days. Paying via card arrives faster.
You can choose the option that best fits your timing needs.
Step 4: Choose How Your Recipient Receives the Money
Remitly offers three delivery options for transfers to India:
- Bank deposit — funds are sent directly to your recipient’s Indian bank account
- UPI — a digital delivery option sent to your recipient’s UPI ID
- Cash pickup — your recipient collects funds in person
For bank deposits, Remitly works with major banks including HDFC, Axis Bank, ICICI, and many more across India.
Step 5: Add Your Recipient’s Details
Enter your recipient’s information carefully:
- Full name (as it appears on their bank account)
- Address
- Bank account number
- IFSC code
The IFSC code identifies the specific bank branch for the account. Entering the correct details is important, as errors can cause delays.
Take a moment to review everything before moving forward.
Step 6: Review and Send
Before confirming, you’ll see a summary screen that includes:
- The amount you’re sending
- Any fees
- The exchange rate shown for your transfer
- Your chosen delivery method
- Your recipient’s details
- The estimated delivery time
Review the information carefully. When you’re ready, tap Send.
Step 7: If Additional Information Is Requested
For larger transfers, Remitly may request additional documents or ask questions such as the purpose of the transfer or the source of funds. Any request will appear directly in the app. Responding promptly can help avoid delays.
If you have questions at any point, customer support is available 24 hours a day, 7 days a week, in 18 languages.
Step 8: Track Your Transfer
Once your transfer is sent, you can track it in real time in the Remitly app. You can also choose to receive updates by text message, email, or push notification.
You’ll be able to see the status of your transfer from the moment it’s sent until it reaches your recipient.
Quick Tips for Sending Large Transfers
- Prepare your documents ahead of time
- Consider paying by bank account (ACH) for higher transfer amounts
- Double-check your recipient’s bank details
- Single transfers of up to $100,000 are supported from the US to India
Frequently Asked Questions (FAQs)
How much can I send from the U.S. to India in a single transfer with Remitly?
You can send up to $100,000 in a single transfer from the US to India.
Are there fees for sending large amounts with Remitly?
Remitly charges no transaction fee on transfers of $1,000 or more to India. You’ll see a full breakdown of fees, exchange rate, and the amount your recipient will receive before confirming.
How long does delivery take?
Delivery via bank account typically takes 3-6 days. Paying via card arrives faster.
What payment methods can I use?
For large transfers, paying by bank account (ACH) is an option. Debit and credit card options may also be available depending on the amount.
What is an IFSC code?
An IFSC code identifies the specific bank branch associated with your recipient’s account in India. Entering it correctly helps avoid delays.
What delivery options are available?
Recipients in India can receive funds by bank deposit, UPI, or cash pickup. Bank deposits are supported with major banks including HDFC, Axis Bank, ICICI, and thousands more.
Is support available if I need help?
Yes. Customer support is available 24/7 in 18 languages.
Ready to Send?
Sending $10,000 or more is meaningful — and with Remitly, you can send up to $100,000 in a single transfer from the US to India. Transfers of $1,000 or more to India have no transaction fee, and you can choose from multiple delivery options and track your transfer in real time.