How to Send Money from Canada to India: A Step-by-Step Guide

Sending money from Canada to India is often about much more than moving funds between two bank accounts.

You may be supporting your parents, helping with household expenses, contributing to medical costs, paying education fees or sending a gift for an important celebration. Whatever the reason, you want the transfer to be clear, secure and easy to track.

Remitra Pay allows verified customers in Canada to send money directly to eligible bank accounts in India. Before confirming, you can review the CAD to INR exchange rate, transfer fee and expected amount your recipient will receive.

A little preparation can help you complete the transfer correctly and avoid unnecessary delays. Here is what you need to know.

Step 1: Create your Remitra Pay account

The first step is to create a Remitra Pay account.

Register using your email address and Canadian mobile number. Enter your information exactly as it appears on your government issued identification.

This includes your:

• Full legal name
• Date of birth
• Canadian address
• Email address
• Mobile number

Using accurate information is important. If the name on your account is different from the name on your identification or payment information, your account may require additional review.

You should also create a strong, unique password. Don’t reuse a password from your email, online banking or social media accounts.

Once your account has been created, you can move to identity verification.

Step 2: Complete identity verification

Canadian money services businesses are required to verify customer identities in certain circumstances. These requirements help protect customers, reduce fraud and prevent financial services from being used for illegal activity.

FINTRAC provides the Canadian compliance framework for money services businesses and other reporting entities.

Remitra Pay uses Veriff to complete the identity verification process. You will generally need an accepted government issued photo ID and may be asked to take a clear photo of yourself.

Before starting, make sure:

• Your identification hasn’t expired
• Your name is clearly visible
• The document is clean and undamaged
• You are in a well lit area
• Your camera lens is clean
• All four corners of the identification are visible
• There is no glare covering important information

Complete the verification yourself. Don’t ask another person to take your photograph or submit their identification on your behalf.

Some customers or transactions may require additional information. This doesn’t necessarily mean that something is wrong. It may simply be required to confirm your identity, understand the transaction or satisfy compliance requirements.

Once your account is approved, you can prepare your recipient’s information.

Step 3: Gather your recipient’s banking information

Remitra Pay sends money directly to eligible bank accounts in India. You will need accurate banking information before creating the transfer.

Ask your recipient to provide their details exactly as they appear on their bank account.

Depending on the bank and transfer arrangement, you may need:

• Recipient’s full legal name
• Recipient’s address
• Recipient’s phone number
• Bank name
• Bank account number
• Bank branch information
• IFSC or another required banking code
• Purpose of the transfer
• Your relationship to the recipient

An IFSC is a code used to identify a specific bank branch in India. If the transfer form requests an IFSC, ask the recipient to confirm it through their bank records or official banking application.

Don’t rely on an old message or a saved screenshot without checking it again. People change bank accounts, banks merge and branch details can be updated.

A single incorrect number can send the transfer into review or cause the receiving bank to reject it.

Before continuing, compare the recipient’s name, account number and banking code with an official bank statement, cancelled cheque or information displayed in their banking application.

Step 4: Enter the amount you want to send

Once your recipient has been added, enter the amount you want to send in Canadian dollars.

Remitra Pay will calculate the expected amount in Indian rupees using the available CAD to INR exchange rate.

Before moving forward, review:

• The amount being sent in Canadian dollars
• The CAD to INR exchange rate
• The transfer fee
• The expected amount in Indian rupees
• Any available processing estimate

Exchange rates change throughout the day because currencies are traded in international markets.

The Bank of Canada publishes daily average exchange rates, including information about the Indian rupee. These rates can help you understand general currency movements, but they aren’t necessarily the same as the rate offered by a money transfer provider.

The rate that matters for your transaction is the one displayed before you confirm the transfer.

Don’t use an exchange rate from an old article, social media post or advertisement to calculate what your recipient should receive today. Always review the current rate inside your Remitra Pay account.

Step 5: Review the fee and recipient amount

A low transfer fee doesn’t automatically mean that a transfer provides better value.

The exchange rate and transfer fee work together to determine the final amount your recipient is expected to receive.

Imagine that two services both advertise a similar fee. One may offer a stronger CAD to INR rate, which could result in more rupees being deposited into the recipient’s account.

Before confirming, focus on the complete transaction.

Ask yourself:

• How many Canadian dollars am I paying?
• What transfer fee is being charged?
• What exchange rate is being applied?
• How many Indian rupees should reach the recipient?
• Are any additional bank charges disclosed?

The expected recipient amount is usually the most useful number for comparing one transfer with another.

Take a moment to review the amount carefully. Don’t confirm simply because you are in a hurry.

Step 6: Confirm the purpose of the transfer

You may be asked to select or explain why you are sending the money.

Common reasons can include:

• Family support
• Education expenses
• Medical expenses
• Gifts
• Household expenses
• Property related payments
• Travel costs
• Personal savings
• Approved business related payments

Choose the reason that accurately describes your transaction.

You may also be asked about the source of the money. This could include employment income, personal savings or business income.

Answer these questions honestly and completely. Incorrect or unclear information may cause the transfer to be reviewed.

If Remitra Pay requests supporting documentation, provide a clear and complete copy through the approved process.

Step 7: Review and fund your transfer

Before confirming, complete one final review of the transaction.

Check:

• Your recipient’s full name
• Bank name
• Bank account number
• IFSC or required banking code
• Transfer amount
• CAD to INR exchange rate
• Transfer fee
• Expected recipient amount
• Transfer purpose

Once the information is correct, confirm the transfer and follow the funding instructions displayed in Remitra Pay.

Use the payment information and reference details provided for that specific transaction. Don’t assume that instructions from a previous transfer are still valid.

If a payment reference is provided, enter it exactly as shown. The reference can help connect your payment to the correct transfer.

Keep the payment confirmation until the transaction has been completed.

Step 8: Track the transfer

After funding the transfer, sign in to your Remitra Pay account to follow its progress.

The transaction status may show that the transfer is:

• Waiting for funding
• Funded
• Processing
• Under review
• Completed
• Unsuccessful or returned

The exact wording may vary, but the status should help you understand what is happening.

If additional information is required, respond as soon as possible. A delayed response can extend the processing time.

Once the transfer has been completed, keep the receipt or transaction record for your files. The receipt may be helpful if you need to confirm the amount, date or recipient details later.

Why a transfer to India may be delayed

Digital money transfers can move efficiently, but every transaction is different. No responsible provider can guarantee that every transfer will always be completed instantly.

A transfer may be delayed because:

The payment hasn’t been received or matched

The transfer can’t move forward until the sender’s payment has been received and connected to the correct transaction.

The recipient’s information is incorrect

A spelling difference, incorrect account number or invalid banking code may require investigation or correction.

Additional identity information is required

Remitra Pay may need more information to verify the sender or understand the transaction.

The transaction requires compliance review

Some transfers require additional review based on the amount, purpose, sender, recipient or other transaction details.

The recipient bank is closed

Weekends, Indian bank holidays and local processing schedules can affect when a bank deposit is completed.

The receiving bank needs more time

The recipient’s bank may have its own processing requirements or may need to review the incoming payment.

A technical interruption has occurred

Banking systems, payment networks or transfer partners can occasionally experience technical problems.

If your transfer is taking longer than expected, check its status before creating another transaction. Sending a duplicate transfer can make the situation more complicated.

Contact Remitra Pay support and provide your transaction reference number if you need help.

Final checklist before sending money to India

Use this checklist before confirming your transfer:

• My Remitra Pay account has been verified
• My personal information matches my identification
• The recipient’s name matches their bank account
• I have checked the account number
• I have confirmed the IFSC or required banking code
• I have reviewed the CAD to INR exchange rate
• I understand the transfer fee
• I have confirmed the expected recipient amount
• I have selected the correct transfer purpose
• I have reviewed the funding instructions
• I know how to track the transaction

Completing these checks can reduce mistakes and help the transfer move more smoothly.

Frequently asked questions

What information do I need to send money from Canada to India?

You will generally need a verified Remitra Pay account and your recipient’s legal name, contact information and banking details. The required banking information may include the bank name, account number, branch information and IFSC.

The app will show the specific information required for the transfer.

What identification do I need?

You will need an accepted government issued photo ID. The identification must be valid, readable and connected to the personal information entered in your Remitra Pay account.

Additional information may be requested when required.

How is the CAD to INR rate calculated?

The exchange rate is affected by international currency markets and can change throughout the day. Remitra Pay will display the available CAD to INR rate before you confirm the transfer.

How much does it cost to send money to India?

The cost depends on the exchange rate, transfer fee and any other charges disclosed before confirmation.

Review the expected recipient amount, not only the advertised fee.

How long does a transfer to India take?

Processing time depends on funding, recipient information, banking hours and any required security or compliance reviews. Check the estimate and transaction status displayed in your Remitra Pay account.

Can I send money to a mobile wallet or for cash pickup?

Remitra Pay currently sends international transfers directly to eligible bank accounts. Mobile wallet and cash pickup services aren’t currently offered.

Why is my transfer under review?

A transaction may be reviewed to verify information, confirm its purpose, assess risk or satisfy compliance requirements. Check your account for instructions and respond promptly if more information is requested.

Can I track my transfer?

Yes. Sign in to Remitra Pay and open the transaction to view its current status.

What should I do if I entered incorrect banking information?

Contact Remitra Pay support immediately and provide your transaction reference number. Don’t create another transfer unless the support team advises you to do so.

A completed bank deposit may not be reversible, so review all banking information carefully before confirming.

Send money from Canada to India with Remitra Pay

Sending money to India becomes easier when you prepare the required information before starting.

Create and verify your account, confirm the recipient’s banking details, review the CAD to INR rate and fee, and check the expected recipient amount before confirming.

Remitra Pay is now live, giving Canadians a clear way to send money directly to eligible bank accounts in India.

Create your Remitra Pay account, check the current CAD to INR rate and start your transfer today.