University fees, living costs, medical treatment, family support or investment abroad. Today's rate, the GST and the TCS, all shown before you commit.
Our RBI licence covers outward remittance by resident individuals under the Liberalised Remittance Scheme (LRS), along with currency notes and forex cards for travel.
Wire transfer from your Indian bank account to a university, hospital, family member or your own account abroad, up to USD 250,000 a year.
USD, GBP, EUR, AED, SGD, CAD, AUD and 30+ other currencies in notes for your trip abroad, with full KYC and a proper receipt.
A prepaid multi-currency card that locks today's rate, works at ATMs and shops abroad, and is safer than carrying cash.
Back from your trip? Sell unused foreign currency notes back to us at the day's buying rate, with the rupees paid to your bank account.
Our licence does not cover business or trade payments (imports, exports, payments to foreign suppliers) or inward remittances (receiving money from abroad). For these, please use your company's bank. We can still help with the tax side, such as Form 145 and 146 certification.
LRS is for residents of India. To send money out of your NRO account, use the separate USD 1 million facility through our NRI repatriation service.
Indicative rates from our forex desk, refreshed through the day. The firm rate is confirmed when you transact.
| Currency | You buy at notes / remittance | You sell at notes | Forex card |
|---|---|---|---|
| Loading today's rates… | |||
Rates in ₹ per unit of currency (Japanese yen per 100). Indicative only; the firm rate depends on amount, product and timing and is confirmed at transaction. GST on currency conversion and bank charges are extra. Ask for a firm rate
Choose what you need and how much. You see the rupee amount, GST on conversion, TCS for this financial year and how much of your LRS limit is left.
GST is charged on a notional value set by GST rules: 1% of the amount up to ₹1 lakh (minimum ₹250), then smaller percentages above that, with 18% GST on that value.
Estimate only. Bank and SWIFT charges, if any, are extra. TCS is not a cost: it is credited against your income tax.
Most of our remittances are parents paying tuition and living costs. We plan the whole year's payments so the TCS stays as low as the law allows.
LRS is the RBI scheme that lets resident individuals send money out of India. These are the rules that matter in practice.
Resident individuals, including minors through a parent or guardian. Not companies, firms, trusts or NRIs.
Up to USD 250,000 per person per financial year (April to March), across all purposes combined. Each family member has a separate limit.
Education, medical treatment, travel, maintenance of close relatives, gifts, donations, emigration, employment abroad, and investment in shares, funds or property abroad.
Margin or forex trading abroad, lottery and betting, banned items, and remittances to countries flagged by FATF as non-cooperative.
PAN is mandatory. Money must come from your own bank account, with documents showing the purpose, such as an admission letter or a hospital estimate.
Spending on an international credit card while abroad is currently not counted under LRS and attracts no TCS, though banks add a markup of 2% to 4%.
Budget 2026 cut TCS on education and medical remittances to 2% from 1 April 2026. TCS is collected when you remit and is fully credited against your income tax when you file.
| Purpose | Up to ₹10 lakh in the year | Above ₹10 lakh |
|---|---|---|
| Education, funded by a loan from a financial institution | Nil | Nil |
| Education, self funded | Nil | 2% |
| Medical treatment | Nil | 2% |
| Travel, gifts, maintenance of relatives, investment and other purposes | Nil | 20% |
| Overseas tour package bought from a tour operator | 2% from the first rupee (collected by the tour operator) | |
The ₹10 lakh limit is per person for the whole financial year, across all your LRS remittances. Without a PAN, higher rates apply. Remittances made up to 31 March 2026 followed the earlier rates (5% for education and medical above ₹10 lakh).
Most requests are completed the same day or the next working day once documents and payment are in.
Currency, amount, purpose and date, on WhatsApp, by phone or at our Dwarka office.
The exact rate with GST and TCS shown separately. Nothing is added later.
PAN, passport and purpose documents, with payment from your own bank account.
Currency or card ready for collection, or the wire sent with a SWIFT copy to you.
Choose what you are doing to see the list.
Four numbers that save trouble at the airport and after you come back.
If yours is not here, ask our forex desk on WhatsApp.
Wealth4India's forex desk in Sector 4, Dwarka helps families across Dwarka, Janakpuri, Uttam Nagar, Palam, Najafgarh, Gurugram and the rest of Delhi NCR send money abroad and buy foreign currency safely. We are RBI-licensed for outward remittance by resident individuals under the Liberalised Remittance Scheme: university fees and living expenses for students in the US, UK, Canada, Australia, Germany and elsewhere, medical treatment abroad, maintenance of relatives, gifts and overseas investment. We also provide currency notes and multi-currency forex travel cards for trips abroad, and buy back unused currency when you return.
Every quote shows the exchange rate, GST on conversion and TCS separately, and our chartered accountant team helps you plan remittances across the financial year and claim the TCS credit in your income tax return.
Tell us what you need. Our forex desk replies on WhatsApp with the rate and total cost during working hours, Monday to Saturday, 10 AM to 7 PM.
Call +91 92662 42424 or visit us at T3 & T4, Manish Twin Plaza, Sector 4, Dwarka.