Sending Money to India for Ugadi
How to send money to family in India for Ugadi. Timing tips, best rates, and how Root gets your transfer there on time.
Ugadi marks the Telugu and Kannada New Year, a joyful occasion when families come together to celebrate new beginnings. For NRIs in the USA, sending money home for Ugadi is a heartfelt way to support loved ones during this festive time. This guide helps you send money smoothly and securely to India for Ugadi, with key tips on timing, compliance, and using Root for fast, low-cost transfers.
Ugadi typically falls in March or April, marking the beginning of the Hindu lunar calendar. It's celebrated with traditional dishes like Ugadi pachadi, prayers, new clothes, and exchanging gifts. NRIs often send money to help family members prepare for the festivities, especially for items like sweets, decorations, and clothing, ensuring they feel connected despite the distance.
Tips for Sending on Time
Send Early
Initiate your transfer at least 5–7 business days before Ugadi to account for bank processing times and avoid last-minute delays.
Factor in TCS for Large Transfers
If your total remittances to India exceed ₹7,00,000 ($8,400 approx.) in the financial year, a 5% TCS applies. Include this in your budget if applicable.
Confirm IFSC and Account Details
Double-check the recipient’s bank account number and IFSC code to prevent errors—especially important during peak festive periods.
Choose Reliable Services
Use trusted platforms like Root that offer transparent rates, zero fees, and quick delivery to ensure your Ugadi gift arrives on time.
How to Send — Step by Step
Log In to Root
Access your Root account via the app or website. Ensure your profile is verified and up to date for uninterrupted transfers.
Pro tip: Complete KYC early if you haven’t already—this avoids delays during high-volume periods like Ugadi.
Enter Transfer Amount in USD
Input how much you’d like to send. Root shows the live INR equivalent so you know exactly what your family will receive.
Pro tip: CHECK_LIVE
Add Recipient’s Bank Details
Provide your family member’s full name, Indian bank account number, and correct IFSC code. Root currently supports NRO and regular savings accounts.
Pro tip: Reach out to your family to confirm these details—especially the IFSC—to avoid failed transactions.
Review Exchange Rate and Fees
Root offers the mid-market exchange rate with no hidden fees. Review the total amount and expected delivery time.
Pro tip: CHECK_LIVE
Confirm and Send
Approve the transfer using your preferred funding method—bank transfer or debit card. You’ll receive tracking updates via email and SMS.
Pro tip: Funds typically arrive within 1–4 business days, but sending early ensures arrival before Ugadi morning.
Make Ugadi Special for Your Family in India
Send money with Root — zero fees, delivered in 1-4 business days.
Send for UgadiFrequently Asked Questions
Can I send money for Ugadi gifts using Root?
Yes, you can send money for Ugadi celebrations using Root. Transfers are ideal for gifting towards new clothes, sweets, or religious offerings. Just ensure you send early so funds arrive in time for the festival.
Is there a deadline to send money before Ugadi?
While there's no official cutoff, we recommend sending your transfer at least 5–7 business days before Ugadi to account for banking processing times and ensure timely delivery.
Does TCS apply if I’m sending money for Ugadi?
Yes, 5% TCS applies if your total remittances under LRS exceed ₹7,00,000 in the financial year (April–March), regardless of purpose—even festive gifts. This is collected at source by the remittance provider.
Can the recipient use the money in an NRE account?
Currently, Root supports transfers to NRO and regular Indian savings or current accounts. NRE account support is coming soon.
Do I need to pay US excise tax on my Ugadi transfer?
As of early 2026, the proposed 1% US excise tax on international wire transfers has not been enacted. You are not required to pay this tax, but always check the latest federal updates before sending.