How Long Does It Take to Send Money to India? Towb Runs a Real Speed Test

The speed of transferring money to India is one of the top questions many people ask, especially expats and those supporting families or business partnerships. The time it takes for transfers depends on the chosen method, the bank or service used, and many real-world factors that affect how quickly funds arrive. In this blog, we provide a detailed analysis backed by a real speed test from Towb, along with practical tips to speed up your transfer process.

Understanding Your Options for Sending Money to India and Their Impact on Speed

When sending money to India, the time it takes heavily depends on the method you choose. While traditional banks offer transfers via the SWIFT network that may take several days, modern electronic transfer services provide advanced speeds, sometimes completing transfers within minutes. Additionally, using instant payment systems like UPI can significantly accelerate the process if available.

However, choosing the right transfer method isn’t just about speed; it also involves factors like security, cost, and regulatory compliance, which we will cover in the following sections.

Factors That Affect the Speed of Your Money Transfer

• Compliance and Regulations: Banks may delay transfers if documents are incomplete or unclear, especially regarding purpose codes and ID verification.

• Intermediary Banks: Transfers passing through multiple banks can add 1–3 additional business days to the transaction.

• Currency Conversion: Converting foreign currencies to Indian Rupees may add extra days, especially for large payments.

• Business Hours and Time Zones: Banks operate within set hours, impacting when a transfer can be processed.

• Payment Method: Some payment methods (like credit cards or electronic services) offer higher speeds compared to traditional bank transfers.
   

Towb Speed Test Results: What Did We Learn?

While traditional banks sometimes have waiting times of up to five business days or more, Towb’s data shows that modern electronic transfer services offer much faster transfer times (seconds to minutes).

Tips to Speed Up Your Money Transfers to India

• Use reputable, fast electronic transfer services.
• Prepare all required documents in advance to avoid compliance delays.
• Choose payment methods that support instant or fast transfers.

Double-check recipient details to avoid errors that delay transfers.

Conclusion

The time it takes for money to reach India varies based on several factors, including the chosen method and services used. Modern electronic transfers offer the fastest and safest ways to send money, and Towb’s real-world speed test data helps you understand the actual time you can expect for your transactions.

If you’re looking for a fast and secure way to send money to India, try Towb today and experience fast, transparent, and reliable transfers with direct support and continuous tracking of your transactions.

Start now with Towb and experience the fastest way to send money to India!