Sending Money to Guwahati, India
How to send USD to a recipient in Guwahati, Assam. Bank transfer tips, IFSC codes, delivery times, and how Root makes it easy.
Many NRIs in the USA send money to Guwahati, Assam—a growing cultural and economic hub in Northeast India. Whether for family support, property investments, or business operations, transferring USD to INR securely and cost-effectively is essential. This guide covers everything you need to know about sending money to Guwahati, including exchange rates, bank details, regulations like TCS, and how to avoid common pitfalls. Learn how to maximize value and ensure fast, compliant delivery.
Guwahati is the largest city in Assam and a key gateway to Northeast India, known for its strategic location, educational institutions, and growing real estate market. Many NRIs send money to Guwahati for family maintenance, school and college fees, property purchases, and ancestral home construction. Its expanding infrastructure and commercial activity make it a priority destination for remittances from abroad.
Quick Facts
Transfer Fee
$0 — Root charges zero fees
Exchange Rate
CHECK_LIVE (interbank rate)
Transfer Time
1-4 business days to Guwahati
Banks in Guwahati
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: Keep your passport and U.S. visa details handy for verification, if needed.
Start a New Transfer to India
Select India as the destination and enter the amount in USD or INR you wish to send to your recipient in Guwahati.
Enter Recipient's Bank Details
Provide the recipient’s full name, bank account number, and the IFSC code of their Guwahati branch. Double-check these details for accuracy.
Pro tip: Find the correct IFSC code by searching the bank’s website or asking your recipient to check their passbook or net banking portal.
Review Exchange Rate and Total INR Amount
See the live interbank exchange rate and confirm how many Indian Rupees your recipient will receive in Guwahati.
Confirm and Send
Review all details, confirm the transaction, and your transfer will be initiated. You’ll receive tracking updates via email and SMS.
Local Tips
Guwahati is in Indian Standard Time (IST), which is 10.5 hours ahead of New York. Plan transfers during overlapping business hours for faster customer support.
Major bank branches like SBI Pan Bazaar, HDFC Guwahati West, and Axis Maligaon are well-equipped to handle incoming remittances—ensure your recipient knows their IFSC.
For education or medical payments in Guwahati hospitals or universities, include purpose notes like 'tuition fee' to assist bank compliance checks.
Send Money to Guwahati with Root
Zero fees, interbank rate. Your family in Guwahati receives INR directly.
Send to Guwahati NowFrequently Asked Questions
Why does my recipient in Guwahati need an IFSC code?
The IFSC code uniquely identifies the recipient’s bank branch in Guwahati and is required for accurate NEFT/RTGS transfers. An incorrect code can delay or reject the transfer.
Does TCS apply when I send money to my family in Guwahati?
Yes, if the total remittances to India by the recipient exceed ₹7,00,000 in a financial year, 5% TCS is collected by the Indian bank. This applies regardless of the city, including Guwahati.
Which banks in Guwahati can receive money through Root?
Root supports transfers to major banks in Guwahati including SBI, HDFC, ICICI, and Axis Bank. As long as the recipient has a valid account and IFSC, delivery is seamless.
Can I send money to an NRO account in Guwahati?
Yes, Root currently supports NRO and regular savings or current accounts in Guwahati. NRE account support is coming soon.
Is there a limit on how much I can send to Guwahati?
There’s no limit imposed by Root. However, Indian banks may require PAN for amounts over ₹50,000 per transaction, and TCS applies beyond ₹7,00,000 annually under LRS rules.