{"type":"document","data":{"id":"d84a55c5-82fc-4a08-bf60-0075f87da8fc","localeString":"en-GB","publishDate":"2026-03-24T15:37:45.138+01:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"Sending money to India? Get the information you need for payments to India."},"mainHeaderZone":{"componentType":"productHeader","coreHeader":{"body":"Sending money to India? Find out how that works.","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/3624eda2-db6e-4828-9a7c-bb3ca7bbf65e/Portrait-of-young-woman-wearing-sunglasses","type":"image","width":3264,"altTextEN":"\"\"","altTextNL":"\"\"","altTextFR":"\"\"","altTextDE":"\"\"","original":"https://assets.ing.com/m/40529b5a3cc23787/original/Portrait-of-young-woman-wearing-sunglasses.jpg","extension":"jpg"},"title":"India"},"backLink":{"textLink":{"url":"/en/personal/payments/payments-abroad","text":"Paying abroad"}}},"flexZone":{"flexComponents":[{"componentType":"paragraph","title":"How it works","richBody":{"value":""}},{"componentType":"paragraph","title":"Fees","richBody":{"value":"

A fee is charged for these international money transfers. If you choose the OUR fee option, the beneficiary will not be charged by their bank. ING will charge an OUR fee for this. You can find the OUR-charge for India through this link.

"}},{"componentType":"paragraph","title":"Processing time","richBody":{"value":"

You can see how long it will take here.

"}},{"componentType":"paragraph","title":"Account number, BIC and IFSC","richBody":{"value":"

An account number in India consists of two parts: bank code and account number. The number of digits for a bank account number in India varies by bank.

For India, it’s important that you state the BIC of the branch office where the beneficiary has their account.

For payments to India in INR, you’ll need an IFSC (Indian Financial System Code). An IFSC has 11 numbers and letters:

"}},{"componentType":"paragraph","title":"Information check","richBody":{"value":"

Banks in India will check the details that you provide. State the full name of the beneficiary in your payment and don’t use abbreviations.

"}},{"componentType":"paragraph","title":"Purpose of payment","richBody":{"value":"

For payments to India, the foreign bank will check your purpose for sending money to that country. If you don’t state the purpose of the payment, your transaction may be held or not processed and returned by the foreign bank.

State the purpose of the payment in the description (also known as a purpose of payment code). The following purpose codes are permitted:

Purpose codeDescription
S1301Family maintenance
P1303Charitable donation
S1302Personal gifts and donations 
S1306Tax payments
S1401Salary payment
P0301Travelling costs
P0006Investments in India
P0008Purchase of property
P0012Loans
S0101Imports (advance payment)
S0 102Imports (payment after shipment)
P0402Courier services
P0403Telecommunications
P1004Legal services
P1006Consultancy
P1019Other services
P1406Payment of profits to India
S0802IT- Software
S0801IT- Hardware
S0806IT- Other
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