Sending Money to Bihar, India
How to send USD to Bihar. Transfer times, bank tips, regulatory notes, and how Root delivers INR to any bank in Bihar.
Many NRIs in the USA send money to family, property, or businesses in Bihar, where support often goes toward education, healthcare, home construction, or agricultural investments. This guide covers everything you need to know about transferring USD to INR safely and cost-effectively to recipients in Bihar. We highlight key regulations, transfer steps, and local insights to ensure your remittance reaches its destination smoothly. Whether sending to Patna, Gaya, or rural districts, Root makes it simple with zero fees and the real exchange rate.
Bihar’s economy relies on agriculture, remittances, and small-scale industries like sugar, textiles, and ceramics. Many NRIs have aging parents or extended families dependent on financial support, especially in districts with limited income opportunities. The state receives significant remittance inflows, making fast, secure transfers essential for daily needs and long-term investments like land or education.
Quick Facts
Transfer Fee
$0 — Root charges zero fees
Exchange Rate
CHECK_LIVE (interbank rate)
Transfer Time
1-4 business days to Bihar
Major Banks
SBI, HDFC, ICICI, Axis — all supported in Bihar
How to Send — Step by Step
Log in to Your Root Account
Access your Root account via the app or website. If you're new, sign up using your US ID and NRI status details.
Pro tip: Verify your identity early to avoid delays during first transfer.
Start a New Transfer to India
Select 'Send to India' and enter the amount in USD or INR. The system shows the live exchange rate and total recipient will get.
Enter Recipient Details in Bihar
Provide the recipient’s full name, address in Bihar (e.g., Patna, Bhagalpur), bank name, account number, and correct IFSC code.
Pro tip: Double-check the IFSC code — errors are the top reason for failed transfers to rural Bihar branches.
Choose Account Type
Select whether the recipient has an NRO or regular savings/current account. Root supports both; NRE support is coming soon.
Review & Confirm
Review the total, exchange rate, and fees (zero with Root). Note that 5% TCS applies if your total remittances exceed ₹7,00,000 in the financial year.
Complete Security Verification
Confirm the transaction using two-factor authentication. Once approved, your transfer is processed and tracked in-app.
Local Tips
In rural Bihar, SBI and its associate banks have the widest branch network — ideal for cash pickup or last-mile access.
For land purchases or large family expenses in Patna, ensure the recipient’s bank has PAN-linked accounts for compliance.
Avoid Sundays and Indian bank holidays — Bihar observes state-specific holidays like Buddha Purnima and Chhath Puja, which may delay processing.
Send Money to Bihar with Root
Zero fees, interbank rate. INR credited directly to any bank in Bihar.
Send NowFrequently Asked Questions
Can I send money from the USA to a relative in a village in Bihar?
Yes, as long as your recipient has a bank account with a supported institution like SBI or HDFC, even in rural Bihar. Provide the correct IFSC code for smooth delivery.
Is TCS applied when sending money to Bihar?
Yes, 5% TCS applies under LRS if your total remittances exceed ₹7,00,000 in a financial year, regardless of the recipient's location in India, including Bihar.
Do I need to pay US Excise Tax on my transfer?
No, as of early 2026, the proposed 1% US Excise Tax on international transfers was not enacted. No such tax currently applies to USD remittances to India.
Can I use Root to support my family’s farm in Bihar?
Yes, Root supports transfers for legitimate purposes like agriculture, home upkeep, or family expenses. Just ensure your purpose isn’t prohibited under FEMA guidelines.
Which banks in Patna can receive transfers via Root?
All major banks in Patna including SBI, HDFC, ICICI, and Axis Bank can receive INR from Root within 1–4 business days.