Recurring Transfers — USD to INR Frequently Asked Questions
Common questions about recurring transfers when sending USD to INR. Clear answers with specific numbers and rules.
Recurring Transfers allow American NRIs to automatically send USD to INR to India on a fixed schedule, such as monthly or quarterly. This feature helps maintain financial consistency for family support, rent, or investment without manual effort each time. Setting up recurring payments ensures timely delivery while simplifying budgeting and compliance tracking.
Key Numbers
₹7,00,000/year
TCS Threshold
5% TCS applies on remittances above this limit in a financial year
7 to 365 days
Recurring Frequency Options
Set transfers every week, bi-weekly, monthly, or custom intervals
$1.99 per transfer
Transfer Fee
Flat fee for all recurring USD to INR transactions
Frequently Asked Questions
What is a Recurring Transfer for USD to INR remittances?
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A Recurring Transfer is an automated payment setup that sends a fixed or variable amount from your US bank account to an Indian bank account in INR at regular intervals, such as every 14 days or monthly. This is ideal for supporting family or paying rent without initiating a new transfer each time.
How do I set up a monthly transfer from the USA to India?
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You can set up a monthly transfer by selecting the 'Recurring Transfer' option in the app, choosing the frequency (e.g., every 30 days), and confirming the amount. The first transfer typically arrives in 2-3 business days, and subsequent transfers follow the schedule until canceled.
Why should I use recurring transfers instead of one-time payments?
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Recurring transfers save time and reduce the risk of missing payments, especially for monthly obligations like school fees or home loans. They also help average exchange rate fluctuations over time—e.g., sending $1,000 monthly over 6 months may yield a better average rate than one $6,000 transfer.
When does the 5% TCS apply to my recurring transfers to India?
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The 5% TCS applies when the total value of your remittances under the LRS exceeds ₹7,00,000 (approximately $8,400 at current rates) in a single financial year (April to March). If your recurring transfers cross this threshold, TCS will be deducted on the amount above the limit starting from October 1, 2023.
Can I change the amount or date of my recurring transfer?
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Yes, you can modify the amount, date, or frequency of your recurring transfer at any time before the next scheduled transaction. Changes take effect within 1 business day, so update at least 48 hours prior to avoid processing the original terms.
Is NRE account support available for recurring USD to INR transfers?
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Currently, Root supports recurring transfers to NRO and regular savings or current accounts in India. NRE account support for recurring transfers is expected to launch by Q3 2025, enabling tax-free crediting for eligible NRIs.
Does Root charge a fee for recurring transfers?
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Root charges a flat fee of $1.99 per recurring transfer, plus CHECK_LIVE exchange margin. There are no hidden costs, and the total fee and INR amount are shown upfront before you confirm each transfer cycle.
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