How to compare money transfers to India

The cheapest transfer is the one that gives your recipient the most rupees after fees and exchange-rate spread, not always the one with the best headline rate.

Start with the mid-market rate because it gives you a clean benchmark. Then compare the final INR amount received, provider fees, delivery speed, transfer limits and payment method.

A zero-fee transfer can still be expensive if the exchange rate is weak. Always confirm the live quote in the provider app before sending money.

Quick answer

Open two or three providers, enter the same send amount, and choose the one that gives the higher final rupee amount after all fees unless speed or payment method matters more.