Sending Money from Ohio to India
How NRIs in Ohio can send USD to INR. Bank options, fees, limits, regulatory notes, and the easiest way to transfer with Root.
Indian-Americans in Ohio are part of a growing NRI community sending money home to India from cities like Columbus, Cleveland, and Dayton. This guide helps NRIs in Ohio navigate USD to INR remittances efficiently using Root. We cover transfer steps, regulatory details like TCS and FEMA, and account types accepted. Whether you're supporting family or managing finances back home, this guide ensures you send confidently and cost-effectively.
Ohio is home to a thriving Indian-American community, particularly concentrated in Columbus and Cincinnati, where major employers like Intel, The Ohio State University, and healthcare systems attract skilled professionals. The state's expanding tech and research sectors have made it a steady destination for Indian immigrants, many of whom regularly remit savings to India.
Quick Facts
Transfer Fee
$0 — Root charges zero fees
Exchange Rate
CHECK_LIVE (interbank rate)
Transfer Time
1-4 business days
State Regulation
Root is licensed as a Money Transmitter in Ohio
How to Send — Step by Step
Download Root and Create Account
Sign up using your U.S. phone number and provide ID verification. Root uses secure encryption to protect your data during registration.
Pro tip: Use your Ohio-based address for faster verification
Add Recipient in India
Enter recipient’s name, Indian bank account number, and IFSC code. Ensure accuracy to avoid failed transfers.
Pro tip: Double-check the IFSC code using your recipient’s bank website or mobile app
Enter Amount in USD or INR
Set how much you want to send. Root shows the real-time exchange rate and total INR the recipient will get.
Pro tip: Consider splitting large transfers above $8,400 to manage TCS implications
Choose Payment Method
Link your U.S. bank account via ACH or debit your connected account. Root does not charge extra for either method.
Pro tip: ACH transfers from Ohio banks like Huntington or Fifth Third are typically free
Review and Confirm
Verify all details including recipient info and expected delivery time. Once confirmed, Root processes your transfer instantly.
Pro tip: Save recurring transfers for monthly support to family in India
Rules & Regulations
5% TCS Applies After ₹7,00,000 Annually
If the total value of remittances to India exceeds ₹7,00,000 (~$8,400) in a financial year (April–March), Indian banks may collect 5% Tax Collected at Source (TCS) on the excess amount. While Root doesn't withhold this tax, the recipient may need to report it. Keep records of all transfers for compliance.
NRO and Savings Accounts Supported
Root currently supports sending funds to NRO, regular savings, and current accounts in India. NRE account support is planned for late 2026. Recipients should confirm their bank allows incoming remittances under FEMA guidelines.
FEMA Rules Apply to Usage in India
Under FEMA, funds sent to India cannot be used for prohibited purposes such as gambling, lottery, or real estate speculation. Ensure the end use of transferred funds complies with RBI regulations to prevent future complications for recipients.
Send Money from Ohio to India with Root
Zero fees, interbank rate, and fast delivery. Built for NRIs in Ohio.
Get StartedFrequently Asked Questions
Do I have to pay TCS when I send money from Ohio to India?
TCS (Tax Collected at Source) is applied by Indian banks, not U.S. senders. If your recipient receives more than ₹7,00,000 (~$8,400) in a financial year via LRS, the Indian bank may deduct 5% TCS on the excess. This applies regardless of whether you're sending from Ohio or another state.
Can I send money from my Ohio bank account using Root?
Yes, Root works seamlessly with U.S. bank accounts, including those from Ohio-based banks like Huntington Bank and Fifth Third Bank. Use ACH to transfer funds from your checking account without extra fees.
How long does it take for money to reach India?
Transfers from Ohio typically arrive in Indian bank accounts within 1–4 business days. Processing starts immediately after payment confirmation, and delivery depends on the recipient’s bank and IFSC accuracy.
Does Root support NRE accounts?
Root currently supports NRO and regular Indian bank accounts. NRE account support is in development and expected by late 2026. Check Root’s app updates for new account compatibility.
Is Root legal and licensed in Ohio?
Yes, Root is licensed as a Money Transmitter in Ohio and complies with state and federal regulations, including anti-money laundering (AML) standards. Your funds are safeguarded through regulated banking partners.