How to Send Money to India from the UK: Complete Guide 2026

India is the world's largest recipient of remittances, and the UK's 1.6 million-strong Indian diaspora sends billions home each year. This guide covers the best ways to transfer GBP to INR.

Best Methods for GBP to INR

India's payment infrastructure is among the world's most advanced, with UPI enabling instant transfers:

• UPI transfers — Instant delivery to any UPI ID
• IMPS — Immediate Payment Service, arrives in minutes
• NEFT — National Electronic Funds Transfer, 2-4 hours during banking hours
• Paytm — Popular digital wallet

Cost Comparison

For a £1,000 transfer to India, LanovaPay charges £1.50 + 0.4% FX margin, delivering approximately INR 111,400. Compare this to high street banks which charge £25+ with 3-5% hidden markups.

Required Documents

Recipients need an Aadhaar Card or PAN Card. India has liberalised incoming remittance rules — there are no receiving limits for personal transfers.