Who can I send Indian rupee (INR) to?

You can send Indian rupee (INR) to someone’s bank account in India, including NRE and NRO accounts, or UPI ID.

What information do I need about my recipient?

To send to a bank account: their full name — first name and surname, Latin characters (a-z) only their account number — 5–20 digits their IFSC — 11 characters, both letters and numbers. It usually starts with 4 letters purpose of the payment — you can choose from a list . Make sure you choose correctly, otherwise you might be asked for more information about your transfer, and it may take longer. To send to a UPI ID, you can include the ID. Typically the bank name or initials are part of the web address in the email. Example: yourname@bankname

How much can I send to India?

If you and the recipient are private individuals: you can send up to 100 million INR per transfer to a private individual. If you’re sending to an IMPS recipient, you can send up to 500,000 INR instantly. If you’re sending to a UPI recipient, you can send up to 200,000 INR instantly. If you or the recipient are a business: You can send up to 1.5 million INR per working day. It’s best to wait until the day after your transfer has completed to set up another one.

How long does a money transfer to India take?

Once Wise receives and converts your money, it usually takes 1 working day to arrive in your recipient’s bank account. Conversion can take up to 2 working days. We’ll always give you an estimate for how long your transfer will take when you set it up. Learn more about how long transfers take

Are there any restrictions on sending to Indian rupee (INR)?

Because of how we’re regulated, you can’t make transfers to India for investment or charitable donation. This applies to all recipients in India, whether or not they are charities. We also can’t accept payments from non-profit, NGO, charity or welfare organisations to India — whether business-related or not.

Is there any other information I need to know to send money to India?

You may need a Foreign Inward Remittance Certificate (FIRC) for transfers to India. Learn more about FIRCs, and how to get one . When you send a transfer to India, we’ll send you an email with a unique transaction reference (UTR) number. You can use this to track your transfer. Learn more about UTR numbers

Send money to India from Japan

Name: Wise
Rating: 4.8 (1030000 reviews)

Fast, low-cost, and secure online money transfers to India from Japan.

Low fees — fees get cheaper the more you send
Lightning fast — money typically arrives in seconds
Perfectly predictable — lock in an exchange rate for up to 48 hours

Open an account

Rate guaranteed (33h)

You send exactly

Recipient gets

Paying with

Bank transfer

Bank transfer fee
0 JPY
Our fee
36,847 JPY

Volume discount

-577 JPY

Total included fees (0.81%)
36,270 JPY

Should arrive by Monday

You're sending a lot so we discounted our fee

Savings on this transfer, and eligible transfers for the rest of the month.

Learn more

Send money to India from Japan

Fast, low-cost, and secure online money transfers to India from Japan.

Low fees — fees get cheaper the more you send
Lightning fast — money typically arrives in seconds
Perfectly predictable — lock in an exchange rate for up to 48 hours

Open an account

Rate guaranteed (33h)

You send exactly

Recipient gets

Paying with

Bank transfer

Bank transfer fee
0 JPY
Our fee
36,847 JPY

Volume discount

-577 JPY

Total included fees (0.81%)
36,270 JPY

Should arrive by Monday

You're sending a lot so we discounted our fee

Savings on this transfer, and eligible transfers for the rest of the month.

Learn more

Save when you send money to India from Japan

The total cost of a transfer is the fee plus exchange rate. If your provider says there’s no fee, check their exchange rate against the one Wise offers. You might be paying more than you think.

Send money now

Sending 10,000 JPY with	Recipient gets(Total after fees)
	5,752.79 INR
Transfer fee 286 JPY Exchange rate(1 INR JPY) 1.68857 Exchange rate markup 0 JPY Cost of transfer 286 JPY

	4,469.87 INR- 1,282.92 INR
Transfer fee 1,750 JPY Exchange rate(1 INR JPY) 1.84569 Exchange rate markup 851 JPY Cost of transfer 2,601 JPY

	3,517.27 INR- 2,235.52 INR
Transfer fee 3,500 JPY Exchange rate(1 INR JPY) 1.84802 Exchange rate markup 863 JPY Cost of transfer 4,363 JPY

	2,154.68 INR- 3,598.11 INR
Transfer fee 6,000 JPY Exchange rate(1 INR JPY) 1.85642 Exchange rate markup 904 JPY Cost of transfer 6,904 JPY

This applies when you pay in via bank transfer. How do we collect this data?

Amount

From

	Wise	Rakuten	SMBC	MUFG Bank
Recipient gets (Total after fees)	5,752.79 INR	4,469.87 INR	3,517.27 INR	2,154.68 INR
Exchange rate markup	0 JPY	851 JPY	863 JPY	904 JPY
Exchange rate (1 INRJPY)	1.68857	1.84569	1.84802	1.85642
Transfer fee	286 JPY	1,750 JPY	3,500 JPY	6,000 JPY
Total transfer cost	286 JPY	2,601 JPY	4,363 JPY	6,904 JPY

Show more providers

This applies when you pay in via bank transfer. How do we collect this data?

We’re regulated in every available region
We help 12.8 million customers move £30bn every quarter, worldwide
Your transactions are extra-secure with our 2-factor authentication

How to send money to India from Japan

Open a free account today in minutes. Then set up your first transfer in 3 easy steps.

Send INR to any bank account in India — including NRO and NRE accounts — or a UPI ID. Your recipient doesn't need Wise to receive money.
If your recipient has Wise, you can look them up on our network and send to them in seconds.

Enter the amount you want to send from Japanese yen to Indian rupee. Check out the fees — and see exactly how much you’ll get on the other side.

Pay in Japanese yen by bank transfer, debit card, or using money already in your Wise account. Once we get the money, we’ll convert it and send it to your recipient.
Depending on how you pay, this usually takes seconds.

Send money now

How to send money to India from Japan

Open a free account today in minutes. Then set up your first transfer in 3 easy steps.

Send INR to any bank account in India — including NRO and NRE accounts — or a UPI ID. Your recipient doesn't need Wise to receive money.
If your recipient has Wise, you can look them up on our network and send to them in seconds.

Enter the amount you want to send from Japanese yen to Indian rupee. Check out the fees — and see exactly how much you’ll get on the other side.

Pay in Japanese yen by bank transfer, debit card, or using money already in your Wise account. Once we get the money, we’ll convert it and send it to your recipient.
Depending on how you pay, this usually takes seconds.

Send money now

How to send money to India from Japan

Open a free account today in minutes. Then set up your first transfer in 3 easy steps.

Send INR to any bank account in India — including NRO and NRE accounts — or a UPI ID. Your recipient doesn't need Wise to receive money.
If your recipient has Wise, you can look them up on our network and send to them in seconds.

Enter the amount you want to send from Japanese yen to Indian rupee. Check out the fees — and see exactly how much you’ll get on the other side.

Pay in Japanese yen by bank transfer, debit card, or using money already in your Wise account. Once we get the money, we’ll convert it and send it to your recipient.
Depending on how you pay, this usually takes seconds.

Send money now

Larger transfers. Lower fees. Premium support.

Pay less when you send over 20,000 GBP or equivalent. Plus get dedicated support from our expert team

Learn about large transfers

How we keep your money safe

Every transfer you make is protected with HTTPS encryption and 2-step verification. And we run millions of checks each day to protect every transaction from fraud.

How we keep your money safe

Rock-solid technology
Super smart Wisers have built our industry-leading security systems from scratch over the last 12 years.
People who care, 24/7
With over 1,000 anti-fraud specialists, and real human help available every minute, we’re on hand when you’ve got questions.
Your money, not ours
Your money is safeguarded, and held completely separate from ours, so it’s available to you all the time.

Best ways to send money to India from Japan with WISE

The best way to send Japanese yen to Indian rupee is from a Wise balance. It’s cheapest and usually arrives in seconds. Bank transfers are also cheap, but can be slower.

Bank Transfer
Bank Transfer
Bank transfers are usually the cheapest option when it comes to funding your international money transfer with Wise. Bank transfers can be slower than debit or credit cards, but they usually give you the best value for your money. Read more how to use bank transfers as a payment option.

Cheapest way to send money to India from Japan

The cheapest way to send 4,500,000 JPY to India is from a Wise balance and costs 36,161 JPY. We use the mid-market exchange rate — the fairest rate — and always show your fees upfront.

JPY

INR

Sending 4,500,000 JPY	Transfer cost
Bank transfer	36,270 JPY

Fastest way to send money to India from Japan

Sending money with Wise is super fast: 64% of transfers arrive in under 20 seconds, and 95% in less than a day. How long it takes depends on how you pay.

JPY

INR

Sending 4,500,000 JPY	Should arrive
Bank transfer	by Monday