Send Money from Australia to India

Vell automatically selects the fastest available payment mode for your transfer. Transfers up to INR 500,000 are processed via IMPS and arrive instantly, 24/7 including weekends and public holidays. Larger transfers are processed via RTGS in real time when submitted before 18:00 IST, or via NEFT arriving the same business day outside RTGS hours. You will see the estimated arrival time before you confirm.

IMPS (Immediate Payment Service) is India's real-time interbank payment system, available 24 hours a day, 7 days a week including weekends and public holidays. Transfers processed via IMPS arrive in your recipient's account in seconds. Vell uses IMPS for all transfers up to INR 500,000.

RTGS (Real Time Gross Settlement) is India's high-value real-time payment system, used for transfers above INR 500,000. RTGS operates during banking hours with a cut-off of 18:00 IST (India Standard Time, UTC+5:30). Transfers submitted before the cut-off arrive the same day in real time. Vell automatically routes transfers to RTGS when the amount exceeds the IMPS limit and the transfer is within RTGS operating hours.

NEFT (National Electronic Funds Transfer) is India's standard interbank transfer system, available 24/7. Vell uses NEFT as a fallback for transfers above INR 500,000 that are submitted outside RTGS hours — typically late evening or on weekends for very large transfers. NEFT transfers arrive the same business day.

No. Vell automatically selects the fastest available payment mode based on your transfer amount and the time of day. You always get the quickest possible delivery without needing to understand the technical details of each system.

The RTGS cut-off is 18:00 IST (India Standard Time, UTC+5:30). In Australian time zones that is 22:30 AEDT (Sydney and Melbourne), 22:00 ACDT (Adelaide), and 20:30 AWST (Perth). Transfers above INR 500,000 submitted before these times are processed via RTGS and arrive the same day.

You will need your recipient's full name, bank name, account number, and IFSC code. The IFSC (Indian Financial System Code) is an 11-character alphanumeric code that identifies the specific bank branch. Your recipient can find it on their cheque book, passbook, in their banking app, or on their bank's website. Vell will guide you through all required details during the transfer.

An IFSC (Indian Financial System Code) is an 11-character code used to identify a specific bank branch in India for electronic fund transfers. It is required for all IMPS, RTGS, and NEFT transfers. The first four characters identify the bank, the fifth is always zero, and the last six identify the branch. Your recipient can find their IFSC on their cheque book, passbook, banking app, or bank website.

The AUD/INR rate updates throughout the day based on live market conditions. Use the calculator above for the current Vell rate on your transfer amount.

No. Vell charges one flat fee shown upfront before you confirm. There are no hidden charges, no exchange rate markup, and no fees deducted from the amount your recipient receives.

Vell supports all major Indian banks including State Bank of India (SBI), HDFC Bank, ICICI Bank, Axis Bank, Kotak Mahindra Bank, Punjab National Bank, Bank of Baroda, Canara Bank, and all other banks connected to the IMPS, RTGS, and NEFT networks — which covers virtually every bank in India.

Yes. Vell is registered with AUSTRAC and fully licensed to operate in Australia. Your transfer is encrypted and tracked from send to arrival.

Yes. Vell supports transfers to both personal and business bank accounts in India, making it a practical option for businesses, contractors, and freelancers making cross-border payments.