Send Money from Canada to India

Measured on the full cost — the transfer fee plus the exchange-rate margin — Remitly is cheapest on this corridor at C$1,000, across the 3 providers we hold checked figures for. The cheapest provider also changes with the amount you send, so compare the final sum that arrives in Indian rupees rather than the headline fee.

At C$1,000, Remitly is the cheapest of the 3 providers priced at that amount on this corridor: about C$1.10 all in, or 0.11% of the amount sent. Wise is next at about C$7.78. That is the fee plus the exchange-rate margin that applied to a transfer of that size — priced at C$1,000 specifically, not worked out from a measurement taken at some other amount. It covers a bank transfer; cash pickup and mobile wallet payouts are priced separately. The margins were measured by Wise's comparison service rather than published by the providers themselves, and other providers here may be cheaper and are not priced this way.

Yes. Up to C$100, Xoom costs least on this corridor; from C$250 upwards, Remitly does. The change happens somewhere between those two amounts — they are the amounts actually priced, so naming a precise crossing point would be a guess dressed as a figure. This happens because a transfer costs a flat fee plus a percentage of the amount, and those two scale in opposite directions: on a small transfer the fee dominates, on a large one the exchange-rate margin does. It is why a comparison taken at a single amount can point you at the wrong provider for yours.

Delivery ranges from minutes to a few business days depending on the provider and payout method. Wise, Xoom, Paysend and Western Union can deliver within minutes when you pay by debit card. Bank-funded and economy transfers typically take one to three business days but usually cost less. Transfers sent outside banking hours or over a weekend may not settle until the next working day.

Across the providers we compare, the available payout methods are UPI, bank deposit, cash pickup, mobile wallet and airtime top-up. The most widely used options in India are IMPS and NEFT bank deposit. India's IMPS rail settles instantly around the clock, so bank deposits often land within minutes rather than days. Not every provider supports every method, so check the table above before you commit.

No. Remitly, Xoom, Western Union, Ria Money Transfer, WorldRemit and MoneyGram offer cash pickup in India, so your recipient can collect the funds with valid photo ID and the transfer reference number. That said, IMPS and NEFT bank deposit generally cost less than cash collection.

Providers rarely give you the mid-market rate — the reference rate you see on Google or Reuters. Instead they add a margin, typically between 0.4% and 4%, and keep the difference. That margin is often larger than the visible transfer fee, which is why a "no fee" service can still be more expensive overall. For CAD to INR, compare the quoted rate against the mid-market rate to see the real spread you are paying.

Yes, provided you use a licensed provider. Every service listed on this page is regulated in Canada under FINTRAC, which requires safeguarding of customer funds and identity verification. Send only to people you know personally, keep your transfer reference private, and be sceptical of anyone pressuring you to send money urgently to someone you have not met.

Yes. Each provider sets its own transfer limits, which vary by how much identity verification you have completed and how you pay. Larger transfers may require additional documentation such as proof of source of funds. For transfers above roughly C$10,000, a specialist foreign-exchange broker will often beat an app on rate.

UPI is genuinely reachable from Canada — Wise, Remitly, Xoom, Paysend and Western Union all support paying straight to a UPI ID, which means your recipient needs only their UPI handle rather than an account number and IFSC code. That is unusual: on most corridors the local instant rail is not accessible from abroad. Wise caps UPI transfers at 200,000 rupees per transaction, so larger amounts need a standard bank deposit instead. Do not confuse the two ways UPI shows up in remittances. What the providers above offer is paying INTO a UPI ID — the money still crosses the border on a conventional rail and is handed to UPI at the Indian end. That is different from a native UPI-to-UPI international link, which India has built with 11 countries (Singapore, the UAE, France, Nepal, Bhutan, Sri Lanka, Mauritius, Qatar, Cambodia, Greece and the Maldives) and which Canada is not among. India said at Global Fintech Fest in September 2026 that it wants to extend those links to more countries specifically to cut the 3-4% that conventional transfers cost, but no timeline for Canada has been announced, and the one full two-way linkage that exists (India-Singapore) took over 18 months to negotiate. Convenience for your recipient is real today; the cost saving is not here yet.