Sending Money to India for Durga Puja
How to send money to family in India for Durga Puja. Timing tips, best rates, and how Root gets your transfer there on time.
Durga Puja is one of the most cherished festivals for Bengali families, and for NRIs in the USA, sending money home helps them stay connected to the celebrations. This guide helps you send funds smoothly to loved ones in India for Durga Puja, ensuring your support arrives on time. We cover timing, compliance, and best practices to make your remittance stress-free. Celebrate the festival of strength and devotion with your family, no matter where you are.
Durga Puja is a major Hindu festival celebrated primarily in West Bengal, usually in September or October, marking the victory of Goddess Durga over the demon Mahishasura. It's a time of grand pandals, cultural events, feasts, and family gatherings. NRIs often send money to support celebration costs, buy gifts, or contribute to community events, staying emotionally connected to their roots despite the distance.
Tips for Sending on Time
Send Early to Ensure On-Time Delivery
Start your transfer at least 5–7 business days before Durga Puja begins to account for processing and bank clearance. Delays can happen due to high transaction volumes during the festive season.
Check IFSC Code and Recipient Details
An incorrect IFSC code can delay or block your transfer. Confirm the 11-digit code with your family and ensure the account number and name match exactly.
Factor in TCS for Transfers Over ₹7,00,000
If you've sent over ₹7,00,000 (approx $8,400) this financial year, a 5% TCS applies. This is collected at source and can impact the net amount received — plan accordingly.
NRO Accounts Are Supported
Root currently supports transfers to NRO and regular savings/current accounts in India. NRE account support is coming soon — check updates if sending to an NRE account.
How to Send — Step by Step
Log In to Your Root Account
Access your Root app or dashboard. If you're new, sign up quickly with your US ID and bank details.
Pro tip: Enable two-factor authentication for added security.
Enter Recipient's Bank Details
Input the beneficiary’s full name, Indian bank account number, and correct IFSC code. Double-check for accuracy.
Pro tip: Ask your family to confirm the IFSC via their bank’s website or passbook.
Enter Transfer Amount in USD
Choose how much you'd like to send. The app will show the equivalent INR amount using the live exchange rate.
Pro tip: Send CHECK_LIVE to see real-time rate and fees before confirming.
Review TCS and Compliance Info
If this is a large transfer, confirm your total LRS usage for the year. If over ₹7,00,000, 5% TCS applies — this is reported to Indian tax authorities.
Pro tip: Keep records of TCS for your Indian tax filings if required.
Confirm and Send
Review all details and confirm the transfer. Root delivers funds to India in 1–4 business days.
Pro tip: Share the tracking reference with your family so they know when to expect it.
Make Durga Puja Special for Your Family in India
Send money with Root — zero fees, delivered in 1-4 business days.
Send for Durga PujaFrequently Asked Questions
When is the best time to send money for Durga Puja?
To ensure funds arrive before Durga Puja, send your transfer at least 5–7 business days before the festival starts. This accounts for processing and bank holidays in India.
How much do NRIs typically send for Durga Puja?
Amounts vary widely — from $500 for family gifts to $5,000+ for sponsoring pandals or community events. Many NRIs send between $1,000–$2,000 to cover celebration costs.
Does TCS apply if I'm sending money for Durga Puja?
Yes, TCS at 5% applies if your total outward remittances under LRS exceed ₹7,00,000 in the financial year, regardless of the purpose — including gifts for Durga Puja.
Can I send money directly to an NRE account with Root?
Not yet. Root currently supports NRO and regular savings/current accounts in India. Support for NRE accounts is coming soon — check the app for updates.
Is there a US excise tax on international money transfers to India?
As of early 2026, the proposed 1% US excise tax on international wire transfers has not been enacted. Always verify the latest US regulations before sending, as this may change.