Converter
Convert rupees to USD, GBP, EUR, CAD and more at the rate we would actually give you — our 1% charge already inside the number, not added afterwards.
Free tools
What TCS will actually be collected on your transfer.
Tax Collected at Source is charged on money you send abroad, and for education it is nil when an approved loan funds the transfer. Self-funded, it is 2% above the ₹10 lakh threshold — on ₹20,00,000 that is ₹20,000 taken upfront and reclaimed a year later in your ITR. The threshold counts everything you have already sent this financial year, across every bank, so a second transfer can be taxed when neither one crosses it alone.
Source of funds
TCS on this remittance₹0Nil — funded by an approved education loan. Ruleset FY2026-27.1.
Self-funded, the same transfer would attract ₹20,000 — collected upfront and reclaimed in your ITR. Funding it with an education loan is what takes it to nil.
The rest of the set
Five more, same engine.
Markup calculator
Enter the rate your bank quoted and see the spread buried inside it, in rupees. The fee you can see is small; the markup you cannot see is large.
LRS tracker
Track your Liberalised Remittance Scheme usage across every bank you use. The limit is USD 250,000 per person per financial year, and no single bank can see your total.
GIC — Canada
Work out what the Guaranteed Investment Certificate costs in rupees at today’s rate, including the conversion, our charge and any TCS.
Blocked account — Germany
Work out what the Sperrkonto costs in rupees at today’s rate, including the conversion, our charge, the setup fee and any TCS.
Talk to us
Tell us the transfer. We’ll come back with the exact position.
Rate, markup in rupees, TCS and the paperwork you’ll need — for your amount and your university, not a worked example. Tell us the transfer and we will call you back.
- No obligation, and no payment at this stage
- Executed by an RBI-authorised AD Category-II partner
- Your number is used to reach you about this enquiry