There are several formal channels to transfer money to India. All the service providers generally charge a commission or fee for their services. The amount of fees charged usually depends on the total amount you wish to transfer and also the desired time limit within which you wish the recipient to receive the money.

However, you could avoid paying any fees at all! The State Bank of India located in California remits drafts for Rs.50,000 (about $1,236) and above absolutely free.

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