Sending Money to India for Onam
How to send money to family in India for Onam. Timing tips, best rates, and how Root gets your transfer there on time.
Onam is a time of joy, reunion, and tradition for Malayali families across Kerala and the diaspora. For NRIs in the USA, sending money home for Onam is a heartfelt way to support loved ones celebrating this cherished harvest festival. This guide helps you send money smoothly and affordably—ensuring your family has what they need for feasts, gifts, and festivities. We cover timing, regulations, and best practices for stress-free remittances via Root.
Onam typically falls in August or September, marking the homecoming of King Mahabali with 10 days of celebrations. Families prepare grand feasts (Onam Sadhya), wear new clothes, decorate their homes with pookalam (flower arrangements), and exchange gifts. NRIs send money to help cover these expenses, ensuring their family can celebrate with joy and pride—even from afar.
Tips for Sending on Time
Send Early to Beat Onam Delays
Banks and remittance systems may experience higher volumes around Onam. Initiate your transfer at least 5–7 business days before you want the funds received to ensure timely delivery.
Check IFSC and Account Details Carefully
Even small errors in the recipient’s IFSC code or account number can delay or derail your transfer. Confirm the details directly with your family before sending.
Factor in TCS for Large Transfers
If you’ve remitted more than ₹7,00,000 (~$8,400) during the financial year, a 5% TCS applies to further remittances. This is collected at source and may impact the net amount received.
Consider Festival-Related Expenses
Onam involves costs for groceries, new clothing, gifts, and home repairs. Many NRIs send between $500–$2,000 depending on family size and expected participation in celebrations.
How to Send — Step by Step
Log in to Your Root Account
Access your Root app or website and log in securely to begin your transfer.
Pro tip: If you’re new, sign up takes less than 5 minutes and requires your US ID and address.
Enter the Amount in USD or INR
Choose how much you’d like to send. Root displays the live exchange rate with no hidden fees.
Pro tip: Use CHECK_LIVE to compare today’s rate against recent highs to maximize value.
Add Recipient’s Bank Details
Input your family member’s full name, Indian bank account number, and correct IFSC code. Root currently supports NRO and regular savings/current accounts.
Pro tip: Double-check the IFSC—errors here are the most common cause of failed transfers.
Review Exchange Rate and Total
Confirm the USD-to-INR rate, transfer timeline, and final amount to be delivered.
Pro tip: Funds are typically delivered in 1–4 business days, but plan for Onam by sending early.
Complete Verification and Send
Verify your identity if prompted and confirm the transaction using your preferred payment method (bank transfer or debit).
Pro tip: Keep an eye on your email and phone for transfer updates and delivery confirmation.
Make Onam Special for Your Family in India
Send money with Root — zero fees, delivered in 1-4 business days.
Send for OnamFrequently Asked Questions
What is the best time to send money for Onam?
To ensure funds arrive before Onam festivities begin, send your transfer at least 5–7 business days in advance. Onam dates vary yearly (usually August–September), so plan accordingly.
How much do people usually send for Onam?
Typical amounts range from $500 to $2,000 depending on family size and the cost of gifts, clothes, and groceries needed for the Onam Sadhya and celebrations.
Is TCS applied when I send money for Onam?
Yes, if your total remittances under LRS exceed ₹7,00,000 (~$8,400) in the financial year (April–March), 5% TCS is collected at source on subsequent transfers—even for gifting.
Can I send money directly to my family’s NRE account?
Root currently supports NRO and regular savings or current accounts in India. NRE account support is coming soon—check for updates before transferring.
Do I need to pay US Excise Tax on my Onam transfer?
As of early 2026, a 1% US Excise Tax on international wire transfers was proposed but not enacted. No such tax currently applies—verify with IRS or your bank for the latest status.
What if my family’s bank rejects the transfer?
Common reasons include incorrect IFSC or account number. If rejected, Root will return the funds to your account—update the details and resend. Always confirm bank info with your recipient first.