How to Send Money Abroad from Uttar Pradesh: Complete Step-by-Step Guide 2026

Need to know how to send money abroad from Uttar Pradesh but confused by the process, documentation, and options? Whether you’re a parent in Lucknow sending tuition fees to your child studying in the USA, an NRI in Kanpur transferring funds to family overseas, a business owner in Raebareli paying international suppliers, or arranging financial support for family members abroad, sending money internationally from UP can seem complicated. Multiple methods exist—bank wire transfers, forex dealers, online platforms—each with different costs, speeds, and requirements.

Understanding how to send money abroad from Uttar Pradesh involves knowing available methods, required documentation, legal limits, costs involved, and how to get the best exchange rates. This comprehensive guide from myForexer explains every step of the international money transfer process from UP, compares all available methods, breaks down costs and timelines, lists required documents, explains RBI regulations, and helps you choose the fastest and most economical option for your specific needs—whether you’re in Raebareli, Lucknow, Kanpur, or anywhere across Uttar Pradesh.

[📞 Send Money Abroad Today: Call +91 9839522555]

Why UP Residents Send Money Abroad

Before exploring how to send money abroad from Uttar Pradesh, understand common scenarios.

Education Expenses

Most Common Reason:

• UP sends 50,000+ students abroad annually
• Tuition fees: USD 10,000 – 50,000/year
• Living expenses: USD 500 – 2,000/month
• Emergency funds for students

Typical Destinations: USA, UK, Canada, Australia, Germany, Ireland, New Zealand

Family Maintenance

NRI Families:

• Supporting parents/relatives in UP
• Medical expenses
• Property maintenance
• Regular monthly allowances

Medical Treatment

Healthcare Abroad:

• Treatment in USA, UK, Singapore, Thailand
• Hospital advance payments
• Medical bills settlement

Business Payments

Import/Export:

• Paying international suppliers
• Business investments abroad
• Trade settlements

Hajj and Umrah

Religious Travel:

• Advance payments to Saudi tour operators
• On-ground expenses
• Group coordination payments

[📧 Discuss Your Requirement: myforexer.rbf@gmail.com]

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Legal Framework: RBI Rules for Sending Money Abroad from Uttar Pradesh

Understanding regulations is crucial when learning how to send money abroad from Uttar Pradesh.

Liberalized Remittance Scheme (LRS)

Annual Limit: USD 250,000 per financial year (April-March) per individual

What It Covers:

• Education expenses
• Medical treatment
• Travel
• Maintenance of relatives
• Gifts and donations
• Property purchase abroad
• Investments in shares/property

What’s NOT Allowed:

• Lottery winnings
• Gambling
• Trading in foreign exchange

Tax Collection at Source (TCS)

Current Rules (2025):

• Education loan funded: 0.5% TCS
• Education (self-funded): 0.5% TCS above ₹7 lakhs
• Medical treatment: 5% TCS above ₹7 lakhs
• Other purposes: 5% TCS above ₹7 lakhs
• Overseas tour packages: 5% TCS above ₹7 lakhs

TCS is NOT a tax—you can claim it back when filing income tax returns.

Purpose Code Requirements

RBI Mandates: Every international transfer needs a purpose code (S0001 for education, S0002 for medical, etc.)

Documentation: Purpose must be supported by documents (admission letter, medical bills, etc.)

Authorized Dealers Only

Legal Requirement: Only RBI-authorized dealers can process international remittances.

Verification: Check dealer’s authorization before proceeding.

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5 Methods: How to Send Money Abroad from Uttar Pradesh

Multiple options exist for how to send money abroad from Uttar Pradesh.

Quick Comparison Table

Method	Speed	Cost	Best For	Available in UP
Wire Transfer (Forex Dealer)	1-3 days	Low-Medium	Large amounts, education	Yes (myForexer)
Bank Transfer	2-5 days	High	Bank customers, trust	Yes (all banks)
Online Platforms	1-2 days	Low	Tech-savvy, small amounts	Yes (all UP)
Demand Draft	5-10 days	Medium	Traditional, specific needs	Yes (banks)
Forex Card Loading	Same day	Low	Students, travelers	Yes (myForexer)

Which Method to Choose?

For Education Fees (Large Amounts): Wire transfer through forex dealer (best rates)

For Regular Small Transfers: Online platforms (convenience)

For Traditional Preference: Bank transfer (familiar process)

For Students Already Abroad: Forex card loading (quick access)

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Method 1: Wire Transfer Through Forex Dealers

The most popular method for how to send money abroad from Uttar Pradesh for large transfers.

What is Wire Transfer?

Definition: Direct bank-to-bank electronic transfer (SWIFT/TT) facilitated by authorized forex dealer.

How It Works: You pay INR to dealer → Dealer sends USD/EUR/GBP to beneficiary’s foreign bank → Beneficiary receives money

Advantages

Best Exchange Rates: Forex dealers offer 1-2% better rates than banks.

Faster Processing: 1-3 working days typically.

Large Amounts: Suitable for USD 5,000 – 50,000+ transfers.

Complete Support: Dealer handles all documentation and compliance.

Track Record: Established dealers like myForexer have proven reliability.

Cost Structure

Exchange Rate Margin: 0.5-1.5% above mid-market rate (better than banks’ 2-3%)

Transfer Fee: ₹500-2,000 depending on amount and destination

Bank Charges: Beneficiary bank may charge USD 10-30 (not controlled by dealer)

TCS: As applicable (0.5-5% depending on purpose)

Timeline

Same Day: If done before 2 PM with complete documents

Next Day: For afternoon submissions

2-3 Days: International processing time

myForexer Wire Transfer Service

Coverage: Send money to 150+ countries including USA, UK, Canada, Australia, UAE, Saudi Arabia, Singapore

Process:

1. Call +91 9839522555 with requirement
2. Get rate quote
3. Submit documents
4. Pay INR
5. Receive confirmation
6. Track transfer
7. Beneficiary receives funds

Advantage: Serve all UP from Raebareli office + home service for Lucknow/Kanpur

[🏢 Visit for Wire Transfer: Ali Miya Chowk, Raebareli]

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Method 2: Bank International Transfer

Traditional method for how to send money abroad from Uttar Pradesh.

How It Works

Process: Visit your bank branch → Fill application → Submit documents → Pay fees → Bank processes → Money sent

Advantages

Trust Factor: Using own bank feels secure.

Integration: Direct debit from your account.

Record Keeping: All transactions in bank statement.

Disadvantages

Poor Exchange Rates: Banks typically 2-3% worse than forex dealers.

Higher Fees: ₹1,000-3,000 transfer charges.

Slower Processing: 2-5 working days minimum.

Branch Visit Required: Can’t do completely online for first-time transfers.

Limited Operating Hours: Bank timings restrict you.

Cost Example

Sending USD 10,000:

• Bank rate: ₹82.00 per USD
• Forex dealer rate: ₹83.20 per USD
• Difference: ₹1.20 × 10,000 = ₹12,000
• Plus bank charges: ₹2,000
• Total extra cost with bank: ₹14,000!

When to Use Banks

Good For:

• Small amounts (under USD 1,000)
• If you absolutely trust only banks
• Existing bank customer with relationship

Not Recommended For: Large education fees, regular remittances (use forex dealer instead)

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Method 3: Online Money Transfer Platforms

Digital method for how to send money abroad from Uttar Pradesh.

Popular Platforms

International:

• Wise (formerly TransferWise)
• Western Union
• MoneyGram
• Remitly
• WorldRemit

Indian:

• BookMyForex
• ExTravelMoney
• RemitGuru

How They Work

Process:

1. Register online
2. Verify identity (KYC)
3. Enter transfer details
4. Pay via UPI/card/bank transfer
5. Track online
6. Beneficiary receives

Advantages

Convenience: Complete from home, 24/7 access.

Transparency: See exact costs upfront.

Speed: 1-2 days for many corridors.

Small Amount Friendly: Good for USD 100 – 2,000 transfers.

Disadvantages

Higher Costs for Large Amounts: Percentage-based fees become expensive for USD 10,000+

Technical Issues: App glitches, verification delays.

Limited Support: Customer service can be frustrating.

First-Time Hassle: Initial KYC verification takes time.

Best Use Cases

Regular Small Transfers: Sending USD 200-500 monthly to family.

Quick Needs: Emergency USD 500 for student.

Tech-Comfortable Users: Comfortable with apps and online processes.

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Method 4: Demand Draft

Traditional paper method for how to send money abroad from Uttar Pradesh.

What is Demand Draft?

Definition: Bank-issued check in foreign currency that beneficiary can deposit in their foreign bank.

How It Works

Process: Apply at bank → Bank issues DD → You courier DD to beneficiary → They deposit in their bank → Clears in 5-10 days

When Still Used

Specific Requirements:

• Some universities accept only DDs
• Traditional businesses prefer DDs
• Backup payment method

Disadvantages

Very Slow: 10-15 days total time.

Risky: Can get lost in courier.

Expensive: DD issuance ₹500-1,500 + courier ₹2,000-5,000

Obsolete: Better methods available now.

Recommendation

Avoid if possible. Wire transfer is faster, safer, and often cheaper.

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Method 5: Forex Card Loading

Special method for students already abroad learning how to send money abroad from Uttar Pradesh.

What is Forex Card Loading?

Concept: Student already has forex card → You load more money onto it from India → They use card abroad

Advantages

Instant Access: Student can use money within hours.

No Bank Account Needed: Don’t need their foreign bank details.

Safe: No cash transfer, secure card.

Convenient: Reload anytime when needed.

Process

Steps:

1. Student already has forex card from myForexer or other provider
2. Parent calls dealer with card details
3. Submit documents
4. Pay INR
5. Card loaded within few hours
6. Student withdraws cash or uses card

Cost

Loading Charges: ₹100-500 depending on provider.

Exchange Rate: Competitive, similar to wire transfer.

ATM Fees: USD 2-5 per withdrawal abroad (depends on card type)

myForexer Forex Card Service

We Offer:

• Zero issuance fee forex cards
• Reload service for existing cards
• Competitive loading rates
• Quick processing (same day)

Popular With: UP students in USA, UK, Canada, Australia

[📞 Reload Forex Card: Call +91 9839522555]

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Documents Required to Send Money Abroad

Essential paperwork for how to send money abroad from Uttar Pradesh.

Universal Documents (All Purposes)

1. PAN Card: Mandatory for all international transfers.

2. Passport: Valid passport of sender.

3. Aadhar Card: Address proof.

4. A2 Form: Provided by dealer/bank, you sign.

Purpose-Specific Documents

For Education:

• Admission letter from university
• Fee invoice/payment schedule
• Student visa copy
• Previous semester fee receipts (if continuing)

For Medical Treatment:

• Hospital admission letter
• Treatment cost estimate
• Doctor’s recommendation
• Medical reports
• Patient passport and visa

For Maintenance of Relatives:

• Relationship proof
• Beneficiary passport copy
• Declaration of maintenance

For Business Payments:

• Import documents
• Supplier invoice
• Purchase order
• GST documents
• IEC (Import Export Code)

For Hajj/Umrah:

• Hajj/Umrah visa
• Tour operator confirmation
• Passport copy

Beneficiary Details

Required Information:

• Full name (as per passport)
• Complete address abroad
• Bank name and branch
• Bank account number
• SWIFT/BIC code (for wire transfers)
• IBAN (for European transfers)
• Routing number (for USA transfers)

Document Checklist

Before Visiting Dealer: ✓ Your PAN card ✓ Your passport ✓ Your Aadhar card ✓ Purpose documents ✓ Beneficiary bank details ✓ Beneficiary passport copy ✓ Recent photograph (for some purposes)

myForexer helps you organize all documents during consultation.

[📧 Document Guidance: myforexer.rbf@gmail.com]

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Step-by-Step Process Guide

Detailed walkthrough on how to send money abroad from Uttar Pradesh.

Complete Process (Using Wire Transfer via myForexer)

Step 1: Initial Contact (Day 1)

• Call +91 9839522555 or email myforexer.rbf@gmail.com
• Explain: Amount needed, currency, destination country, purpose
• Get: Rate quote, document checklist, process timeline

Step 2: Document Preparation (Day 1-2)

• Gather all required documents
• Scan and email for preliminary verification (optional)
• Ensure beneficiary details are accurate

Step 3: Visit Office or Arrange Pickup (Day 2-3)

• Visit: myForexer, Ali Miya Chowk, Raebareli
• OR arrange home service (Lucknow/Kanpur for large amounts)
• Bring all original documents

Step 4: Documentation Verification (20-30 minutes)

• We verify all documents
• Fill A2 form (we help)
• Confirm beneficiary details
• Lock exchange rate

Step 5: Payment (Immediate)

• Calculate total INR based on locked rate
• Pay via: Cash, UPI, NEFT, RTGS, cheque
• Receive receipt and confirmation

Step 6: Processing (Same Day)

• We initiate wire transfer
• Submit to our banking partner
• Provide you with transaction reference number

Step 7: Tracking (1-3 Days)

• We send you tracking details
• You can monitor status
• We update you on progress

Step 8: Completion (1-3 Days)

• Beneficiary receives money in their bank
• They inform you
• We confirm completion
• Provide you with FIRC (Foreign Inward Remittance Certificate) if needed

Total Time: 1-3 working days

For Different UP Cities

Raebareli Residents: Visit office directly.

Lucknow Residents (80 km):

• Option 1: Visit Raebareli (1 hour drive)
• Option 2: Home service for ₹2 lakh+ transfers

Kanpur Residents (85 km):

• Option 1: Visit Raebareli (1.5 hour drive)
• Option 2: Home service for ₹2 lakh+ transfers

Other UP Cities:

• Option 1: Visit Raebareli when convenient
• Option 2: Complete preliminary work via phone/email, then visit for final signature
• Option 3: Coordinate for large amounts

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Cost Comparison: Which Method is Cheapest?

Critical factor in how to send money abroad from Uttar Pradesh.

Real Scenario: Sending USD 15,000 for Education

Method 1: myForexer Wire Transfer

• Exchange rate: ₹83.20 per USD
• Transfer fee: ₹1,000
• Total INR: (15,000 × 83.20) + 1,000 = ₹12,49,000
• TCS (0.5%): ₹6,245
• Grand Total: ₹12,55,245

Method 2: Bank Transfer (SBI/HDFC)

• Exchange rate: ₹82.00 per USD
• Transfer fee: ₹2,500
• Total INR: (15,000 × 82.00) + 2,500 = ₹12,32,500
• TCS (0.5%): ₹6,163
• Grand Total: ₹12,38,663
• Extra Cost vs myForexer: ₹16,582!

Method 3: Online Platform (Wise)

• Exchange rate: ₹82.80 per USD
• Platform fee: 1% = ₹12,420
• Total INR: (15,000 × 82.80) + 12,420 = ₹12,54,420
• TCS (0.5%): ₹6,272
• Grand Total: ₹12,60,692
• Extra Cost vs myForexer: ₹5,447

Winner: myForexer Wire Transfer Saves ₹5,000-16,000 on USD 15,000!

Small Amount: Sending USD 500

Method 1: Online Platform (Wise)

• Total cost: ₹42,000 approx
• Best for small amounts

Method 2: myForexer Wire Transfer

• Total cost: ₹42,100 approx
• Comparable but better service

Method 3: Bank

• Total cost: ₹43,500
• Most expensive

For small amounts (under USD 1,000), online platforms and forex dealers are comparable. Choose based on convenience.

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Speed Comparison: Which is Fastest?

Time is often crucial in how to send money abroad from Uttar Pradesh.

Speed Rankings

Fastest (Same Day):

1. Forex card loading: 2-4 hours
2. Some online platforms: 6-12 hours (specific corridors)

Fast (1-2 Days):

1. Wire transfer via forex dealer: 1-2 days
2. Online platforms: 1-2 days (most corridors)

Moderate (2-5 Days):

1. Bank wire transfer: 2-5 days
2. Some online platforms: 3-5 days (slower corridors)

Slow (5-15 Days):

1. Demand draft: 10-15 days total

Factors Affecting Speed

Destination Country:

• USA/UK/Canada/Australia: 1-2 days
• Europe: 2-3 days
• Africa/South America: 3-5 days

Intermediary Banks: More intermediary banks = slower transfer

Documentation: Complete documents = same-day processing Incomplete documents = delays of 1-3 days

Submission Timing: Before 2 PM = same-day processing After 2 PM = next-day processing

Weekends: Transfers initiated Friday reach Monday-Tuesday

myForexer Speed Commitment

Same-Day Initiation: If you submit complete documents before 2 PM on working day.

1-3 Day Completion: Typical timeline for major destinations.

Tracking Provided: You know exactly where your money is.

[📞 Urgent Transfer? Call +91 9839522555]

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How myForexer Helps UP Residents

Why we’re the best choice for how to send money abroad from Uttar Pradesh.

Strategic UP Coverage

Central Location: Raebareli serves Lucknow (80 km), Kanpur (85 km), Amethi, Jais, and surrounding districts.

Home Service: We come to you in Lucknow/Kanpur for transfers ₹2 lakh+

Local Understanding: We understand UP families’ needs—education abroad, Hajj, family support.

Competitive Advantages

1. Better Exchange Rates: 1-2% better than banks, match or beat online platforms for large amounts.

2. Complete Guidance: First time sending money abroad? We guide you through every step.

3. Document Support: We help organize documents, fill forms, ensure compliance.

4. Personal Service: Not a call center—talk to knowledgeable person who remembers you.

5. Transparent Pricing: No hidden charges. Rate quoted = rate you pay.

6. Fast Processing: Same-day initiation for complete submissions.

7. Multi-Purpose: Education, medical, Hajj, business, maintenance—we handle all.

8. Track Record: Years of successfully processing remittances for UP families.

Services We Offer

Wire Transfers to:

• USA (most students)
• UK (popular destination)
• Canada (growing choice)
• Australia (many students)
• UAE (business, family)
• Saudi Arabia (Hajj/Umrah)
• Singapore, Malaysia, Thailand (medical, education)
• 150+ countries total

Forex Cards:

• Issue new cards
• Reload existing cards
• Competitive rates
• Quick processing

Currency Exchange: If someone needs cash instead of wire transfer

Complete Support:

• Pre-transfer consultation
• Document verification
• Form filling assistance
• Post-transfer tracking
• FIRC provision
• Tax documentation

Customer Testimonials

From Lucknow Student’s Father: “Sent USD 35,000 to USA for my daughter’s tuition. myForexer saved me ₹28,000 compared to my bank quote. Plus they delivered documents to my Gomti Nagar home!”

From Kanpur Business Owner: “Regular supplier payments to China. myForexer gives better rates than bank and faster processing. Saved over ₹2 lakhs last year.”

From Raebareli Hajj Pilgrim: “Sent money to Saudi tour operator. Very helpful service, explained everything, arranged in 1 day.”

[🏢 Experience Our Service: Visit Ali Miya Chowk, Raebareli]

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Common Mistakes to Avoid

Pitfalls when learning how to send money abroad from Uttar Pradesh.

Mistake 1: Using Only Banks Without Comparing

Problem: Banks charge 2-3% worse rates + higher fees.

Cost: ₹10,000-30,000 extra on typical education remittance.

Solution: Always compare bank quote with forex dealer like myForexer.

Mistake 2: Wrong Beneficiary Details

Problem: Incorrect SWIFT code, account number, or spelling leads to transfer failure or delay.

Cost: Recall charges ₹2,000-5,000 + delay + stress.

Solution: Triple-check beneficiary details. Send them to dealer for verification before processing.

Mistake 3: Incomplete Documentation

Problem: Missing one document delays entire transfer by days.

Cost: Rate changes during delay can cost thousands + missed deadlines (university fee due dates).

Solution: Get complete document list from dealer beforehand. Have everything ready before visit.

Mistake 4: Last-Minute Transfer

Problem: University fee due in 2 days, start process on due date.

Result: Rush charges, stress, potential late fees from university.

Solution: Start process 1-2 weeks before deadline. Wire transfers take 1-3 days minimum.

Mistake 5: Ignoring TCS

Problem: Not aware TCS will be deducted, surprised by higher cost.

Impact: Budget shortfall.

Solution: Factor in TCS when calculating total cost. Ask dealer to include in quote.

Mistake 6: Not Getting FIRC

Problem: Don’t collect Foreign Inward Remittance Certificate.

Impact: Issues during visa renewal, tax filing, or proving source of foreign funds.

Solution: Always collect FIRC from dealer after transfer completion.

Mistake 7: Choosing Demand Draft for Speed

Problem: Think DD is faster because it’s traditional.

Reality: DD takes 10-15 days. Wire transfer takes 1-3 days.

Solution: Use wire transfer unless specifically required to use DD.

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Start Your Money Transfer Today

Ready to implement how to send money abroad from Uttar Pradesh?

Quick Start Guide

For Education Transfers:

1. Call +91 9839522555 with university details
2. Get rate quote
3. Prepare documents (admission letter, fee invoice, passport, PAN)
4. Visit Raebareli or arrange Lucknow/Kanpur home service
5. Complete transfer in 1-3 days

For Medical Transfers:

1. Email myforexer.rbf@gmail.com with hospital details
2. Share medical documents
3. Get cost estimate
4. Fast-track processing available
5. Money reaches hospital quickly

For Hajj/Umrah:

1. Call with tour operator details
2. Provide Hajj visa and confirmation
3. We handle Saudi transfer efficiently
4. Peace of mind for religious journey

For Business Payments:

1. Email with supplier invoice
2. Get competitive rate quote
3. Submit import documents
4. Regular payment service available

For Family Maintenance:

1. Call with requirement
2. Simple documentation
3. Regular monthly transfers possible
4. Relationship pricing for repeat customers

Contact myForexer

📍 Office Address: myForexer Ali Miya Chowk, Kaharo Ka Adda Raebareli 229001, Uttar Pradesh, India

📞 Phone/WhatsApp: +91 9839522555

📧 Email: myforexer.rbf@gmail.com

⏰ Office Hours: Monday – Saturday: 10:00 AM – 7:00 PM Sunday: Closed (Emergency service on call)

🚗 We Serve: Raebareli | Lucknow (80 km) | Kanpur (85 km) | Amethi | Jais | Salon | Lalganj | Unnao | Fatehpur | All UP

🏠 Home Service: Available for Lucknow and Kanpur for transfers ₹2 lakh+

Our International Remittance Services: ✅ Wire Transfer to 150+ Countries ✅ Education Fee Remittance (Most Popular) ✅ Medical Treatment Payments ✅ Hajj/Umrah Money Transfer ✅ Family Maintenance Remittance ✅ Business Payments ✅ Forex Card Reload Service ✅ Competitive Exchange Rates (Better Than Banks) ✅ Fast Processing (1-3 Days) ✅ Complete Documentation Support ✅ TCS Handling ✅ FIRC Provision ✅ Personal Service from Experienced Team

[💰 Send Money Abroad – Call +91 9839522555 Now!]

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Frequently Asked Questions

Complete Guide: How to Send Money Abroad from Uttar Pradesh Efficiently, Safely, and Economically. myForexer Raebareli Serves All UP with Better Rates, Faster Processing & Personal Service!