Any person/organization who wishes to make a payment (in foreign currency) to an individual/organization in India (in Indian Rupees) can use Samachar Money Transfer.

You can now send your remittance in U.S Dollars, Canadian Dollars, Pound Sterling, Euro, Japanese Yen, Australian Dollars, Singapore Dollars and Arab Emirates Dirham. The remittance will be made to your beneficiary in India in Indian Rupees only.

Samachar Money Transfer is brought to you by Sify.com., India's premier online destination

Samachar Money Transfer does not share your personal information with any third party (unless, of course, required to do so by law!). We do not take your credit card information. When you pay through Samachar Money Transfer, you send us a Check, Wire Transfer or an Automated Clearing House Online Transfer which means, no debits appear in your bank account unless you have personally authorized it. All transactions are on fully secure encrypted lines, and your data is stored on our machines, which are behind state of the art firewalls, and have gone through extensive security tests.

Inward remittances such as remittances towards family maintenance, remittances from foreign tourists visiting India, are allowed by the RBI to be received under the arrangement. Trade related remittances or remittance for purchase of property, investment, remittance for credit to remitters' NRE/FCNR accounts, any type of donations etc. are also covered under the arrangement.

Yes. You can now send your money into your NRE account in India.

UTI Bank undertakes the money transfer activity for your transactions. Which means, the money you send is managed entirely by UTI Bank, from clearing your checks or receiving your wire transfers to converting your funds to Indian Rupees and issuing the Demand Draft in favor of the beneficiary or directly depositing into the bank account. TimesofMoney provides the technology platform, which makes the information tracking possible.

As a result, if your beneficiary has an account with UTI Bank, the process is speeded up by virtue of a Direct Deposit to your beneficiary's account rather than dispatch of a Demand Draft. This Direct Deposit facility is also available for 52 other banks in India.

No. This money is income earned by you overseas, and you have already paid taxes for it in the US, Canada, UK, Japan, Australia, Singapore or Euroland. Your beneficiary need not pay tax on this money again once it is remitted to India.

Samachar Money Transfer charges you a very low transaction fee. This is the only fee you pay, and there are no hidden charges. Compare this with competitors who send the money to your beneficiary net of courier and Demand Draft charges. Or with traditional ways of sending money home, such as buying Demand Drafts (which involves the trouble of going to your bankers and delay in the mail) or sending a foreign currency check (which can take several weeks to clear).

What's more, you can have the money directly deposited in accounts with 53 banks across the country.

Online ACH is the completely online way to send money through Samachar Money Transfer. It uses the Automated Clearing House (ACH) network to directly debit your account, and transfer the funds to us. Currently this service is only available to customers in the U.S.

ACH stands for Automated Clearing House. The ACH Network is a highly reliable and efficient nationwide electronic funds transfer system governed by the NACHA (National Automated Clearing House Association) operating rules, which authorize inter-bank clearing of electronic payments.

Samachar Money Transfer uses the ACH Network to "directly debit" your bank account based on your instructions whenever you use Online Transfer at Samachar Money Transfer.

• After you register at Samachar Money Transfer and select Online ACH to transfer money, you have to provide a few basic Bank Account details such as your Account Name and Number as well as your Routing (ABA) Number.
• Your details will be verified through a statutory verification process, which takes 3 working days.
• Once your account is activated, we will notify you by e-mail. However you can continue with your transaction. The transaction will be completed subject to verification of your account.
• To prevent misuse of your account, a nominal amount will be debited and credited to your account. It is vitally important for you to refer to your Bank Statement and enter the exact amount in the space provided on our site.

1. Click on ýBank Accountsý and choose ýAddý
2. Provide basic Bank Account details such as your Account Name and Number as well as your Routing (ABA) Number for the bank account you wish to use for the purpose
3. We initiate a verification transaction into the bank account mentioned by you, which takes 3 days. Once these transactions are successful, we send you an email to visit the Samachar Money Transfer site to verify your account.
4. Check your bank account statement and enter the details of the transactions passed by Samachar Money Transfer on the website.
5. If the details match the actual transactions passed by us, you are ready to start using your account to transact!

You can start transacting immediately after completing your registration at Samachar Money Transfer. However the funds from your transaction will be released subject to verification of your account details. We will conduct a statutory verification process, which is simple, fast and takes just 3 working days.

Your funds could reach your family as fast as 3 working days, from the time you book a remittance. There will be no additional charges from your bank.

The ABA (American Bankers Association) Number or Routing number is also called a "Routing Transit" number. It is an identification number assigned to each financial institution and each branch office of that financial institution. It was developed by the American Bankers Association in 1910 to help route payments among banks. Perhaps the most important thing to keep in mind about the ABA/Routing number is that without it transmitting funds is not possible.

Though it is a Online Transfer transaction, we do not receive the credit immediately and hence the status may show as 'Funds in Clearing'. However, you need not worry, as there would be no delay in sending the money to your family in India.

The Online Transfer/Customer Initiated Payment (CIP) mode is the completely online mode of sending money through your bank account in the United Kingdom to your loved ones in India.

Through this mode you can directly debit your account through Internet Banking and send the money to us. We will then send the money to your beneficiary in India. You can send money to us through the BACS (Bankers Automated Clearing Service) option. After filling the transaction details on our site, you will need to access your Internet Banking account and transfer the money to Samachar Money Transfer's account in the UK. You will also need to enter the 'Internet Banking Trace Number' of your transaction on to the Samachar Money Transfer site. You can enter this number while booking the transaction on the site or even later, through the Online Tracker facility.

You need to ensure that the Internet Banking Trace Number is entered on to the site in order to process the transaction.

The time taken to process the transaction through the BACS mode would be 4 working days.

Samachar Money Transfer does not apply any additional charges for the transfer. However, there could be a charge levied on your transaction, by your bank.

The Online Transfer/Customer Initiated Payment (CIP) mode is the completely online mode of sending money through select bank accounts in the United Arab Emirates to your loved ones in India.

If you have a bank account with Standard Chartered Bank, HSBC or Citibank in the U.A.E, you can transfer money to India online. Depending on the bank, the process is as under :

• Standard Chartered Bank

You need to log on to your Net Banking account with Standard Chartered Bank and add the UTI Bank account details as a beneficiary for your Internet account. Your bank would add the beneficiary in 3 working days after which you can directly transfer money from your account to the UTI Bank account.


• HSBC

You need to log on to your Net Banking account with HSBC and initiate a transfer in favour of the UTI Bank account mentioned on our website. Please note that the transfer needs to be made with Dirhams (AED) as the originating currency only.


• Citibank

You need to log on to your Net Banking account with Citibank and initiate a transfer in favour of the UTI Bank account mentioned on our website. Please note that the transfer needs to be made with Dirhams (AED) as the originating currency only. Please note that there may be additional charges levied by Citibank for the transfer

The Online Transfer mode is a completely online way of sending money to India through select bank accounts in Australia

You need to have a bank account in Australia. The process is as follows

• You need to access your Net Banking account
• Initiate a transfer to our account as indicated on the confirmation page of your transaction at Samachar Money Transfer.
• Please note that the transfer needs to be made in Australian Dollars (AUD) only. Please note that your bank may levy extra charges.

The Online Transfer is a completely online way of sending money to India through select bank accounts in Singapore.

If you have a bank account with Citibank, HSBC, Standard Chartered, DBS or OCBC, you can use your Internet Banking service to transfer money to us in Singapore. All you need to do is log in to your Internet Banking account, add UTI Bank as a beneficiary, and transfer money to the UTI Bank account.

Currently, we support the following forms of payment:

In the United States
1. US Dollar checks drawn on a U.S. bank
2. Wire transfer from your U.S. Bank account into UTI Bank's account in the United States of America.
3. Online Transfer using the Automated Clearing House(ACH) Network from your U.S. bank account into UTI Bank's account in the United States Of America.

In Canada
1. Wire transfer from your Canadian Bank account into UTI Bank's account in Canada.
The Check mode is temporarily not available. It will be available in a short time.

In the United Kingdom
1. Wire transfer through the BACS clearing system in the UK.
2. Directly debiting your bank account by making an online Customer Initiated Payment (CIP) favouring Samachar Money Transfer through an Internet Banking account in the UK.
3. Pound Sterling check drawn on a bank in the U.K

In Euroland
1. Wire Transfer from your Euro bank account in any of the 15 Euro Countries.

In Japan
1.Wire transfer from your Japanese Bank account into UTI Bank's account in Japan.

In the U.AE
1. Wire Transfer from your Dirham bank account in any of the 7 Emirates. These include Abu Dhabi, Ajman, Al Fujayrah, Ash Shariqah, Dubai, Umm al Qaywayn and Ra's al Khaymah.
2. Online Transfer from your Internet Banking account with Standard Chartered Bank, HSBC or Citibank

In Australia
1. Online transfer from your Australian Dollar to our UTI Bank account in Australia.
2. Wire Transfer from your Japanese bank account to our bank account.

In Singapore
1. 1. Online transfers from your Singapore account to our Uti bank account in Singapore.
2. Wire transfers from your Singapore bank account to our bank account.

No, we accept only check payments, wire transfers, online transfers from your bank account and CIP payments through Internet Banking currently. However, we are developing other forms of payment, and will introduce them shortly.

No. You can currently pay through checks in the U.S or U.K and singapore, wire transfers in the US, Canada, UK, U.A.E, Singapore, Australia and Euroland or you may directly debit your bank account in the US, Australia and U.K. Currently we do not support Credit Card/Debit Card payment modes. However we are exploring these options.

Checks typically take 5 days for the funds to reach your beneficiary. When you pay using a wire transfer, we receive the money overnight from your bank, ensuring that your remittance can be processed immediately. In short, using a wire transfer to pay for your remittance saves you up to 5 days on the time taken to deliver the funds to your beneficiary. Wire Transfers through the BACS clearing system in UK. may take upto 3 days before we receive the money from your bank into our account in the UK. However some banks may also offer a transfer through the SWIFT network which takes 1 day for us to receive the funds (SWIFT transfers might involve charges levied by your local bank).

When you send money from your Bank account in the U.S using Online Transfer, in UK, Singapore and Australia, when you send money by internet transfers, we receive the money in 3 working days from your bank at no extra cost to you. This ensures that your remittance can be processed much sooner and in turn be delivered faster to your beneficiary. Also, you do not have to go any place to mail a check, saving you trouble and time. In short, using Online Transfer saves you valuable time and effort and reaches your remittance to your beneficiary much faster.

There is generally a gap between the time that your account is debited and the time that we receive the credit hence the status would show as 'Funds in Clearing'. However, you need not worry, as there would be no delay in sending the money to your family in India.

A Courier will deliver a locally payable Demand Draft to your beneficiary. We have an alliance with a globally renowned courier company to ensure the highest standards of safety and service. In case the beneficiary has an account with any of our 53 partner banks, and the details are added on the site, Samachar Money Transfer can directly deposit into the account of the beneficiary.

We currently support over 6000 locations in India. You can find a list of these locations here. If you would like us to add a location, please send us an email at moneytransfer@samachar.com and we will endeavor to do so at the earliest.

Checks: From the day the check is received at any of our locations, the money would be dispatched to your beneficiary in India after 6 working days, if you are in USA or UK.

Wire Transfer: Wire transfers typically reach UTI Bank's account overnight from the day you initiate them, though you should check with your bank for the actual time taken. The money would be dispatched to your beneficiary in India within 48 hours (2 working days).

Wire Transfer in UK: The Wire Transfer through the BACS clearing system in UK. may take up to 3 days for clearing after which the money would be dispatched from our end.

Online Transfer: The money would be dispatched after 3 working days through the Online Transfer system, from the time you book your transaction. This service is currently available only in the United States.

Online Transfer/Customer Initiated Payments: The money would be dispatched in as low as 4 working days from the time of transfer through the BACS mode used to initiate the CIP.

Note: If your beneficiary has an account with any of our 53 partner banks, the funds are directly credited into their account within 48 hours of the day we receive them.

Your beneficiary will receive Indian Rupee funds in the form of a Demand Draft, payable at the location you have chosen while booking the remittance. In case the beneficiary has an account with any of our 53 partner banks, and the details are added on the site, Samachar Money Transfer can directly deposit into the account of the beneficiary.

Typically, the status update is done 24-48 hours after delivery to your beneficiary. Until then your remittance will show 'In Process' although the funds have been delivered. If the Demand Draft was sent by Registered Post, which happens if your beneficiary's address is unreachable through courier, a delivery confirmation might not be reliable.

"If the primary address of the beneficiary is wrong, the courier returns the Demand Draft to us. We send you an email and ask you what to do with your funds. You will then need to book a fresh remittance request and instruct us in the "Personal Message to Beneficiary" field to use the funds of your earlier remittance request number for the purpose of the new remittance booked by you."

No. This is not necessary, though it will speed up the process tremendously if your beneficiary has an account with UTI Bank. In this case, the funds will be deposited directly into your beneficiary's account, eliminating the time involved in courier delivery, and saving the beneficiary the bother of depositing the Demand Draft into their account. This Direct Deposit facility is also available for 52 other partner banks across India.

Samachar Money Transfer's Direct Deposit facility is the quickest and most convenient way for your beneficiary to receive the money in India. By providing some basic bank details, it allows you to directly deposit the money into your beneficiary's account in India.

To avail of the Direct Deposit facility in the 53 banks listed, all you need to do is add the bank details of your beneficiary's account in India (Bank name, Bank branch, Account number and Type of Account) in your address book and whenever you wish to send money to the beneficiary will be directly deposited into this bank account.

Samachar Money Transfer's Direct Deposit facility encompasses some of the top banks in India. These include:

• ABN Amro Bank
• Bank of Punjab
• Centurion Bank
• Citibank
• HDFC Bank
• HSBC
• IDBI Bank
• IndusInd Bank
• ING Vysya Bank
• Punjab National Bank
• Standard Chartered Bank
• UTI Bank

With Samachar Money Transfer's Direct Deposit facility you save on the time it takes in sending a demand draft by courier to the address of your beneficiary. Also, it saves a lot of trouble for your beneficiary, as he or she does not have to go to the bank and deposit the draft - the money gets directly deposited!

No. There are no extra charges.

In the United States individual transactions are capped at USD 7500 for the Check and Wire services. For Online Transfer, the limit is USD 5000 per transaction. Over a week, you may send up to USD 10,000 over multiple transactions.

For remittances from Canada, individual transactions are capped at CAD (Canadian Dollars) 7500 for the Wire transfer service.

For remittances from the UK, individual transactions are capped at GBP (Pound Sterling) 5000 for the Check, Wire and Online Transfer/Customer Initiated Payment modes.

For remittances from Euroland, individual transactions are capped at Euro 7500 for the Wire Transfer service.

For remittances from Japan, individual transactions are capped at JPY 500000 for the Wire Transfer service.

For remittances from the U.A.E, individual transactions are capped at AED 30000 for the Wire Transfer service.

For remittances from Australia, individual transactions have a minimum limit of 200 and a maximum limit of 10000. The limits applies to both Wire Transfer and Online Transfer.

For remittances from Singapore, individual transactions can have a minimum limit of 500 and maximum limit of 15000 SGD.

For transaction Fees applicable to you, click here.

The exchange rate will be based on the prevailing rate at the time of converting your funds to Indian Rupees. The rate that is shown to you at the time of booking the remittance, on the online calculator, is only an indicative rate, which can help you arrive at the approximate US/Canadian Dollar, Pound Sterling, Japanese Yen, Arab Emirate Dirham, Australian Dollar, Singapore Dollar or Euro amount that you should send. However, the rate shown on the calculator on any day is the actual rate that has been used for all remittances for which funds have been dispatched on that day.

The newswires and online information services like The Economic Times Online provide currency exchange rate information that is based on transactions of high volume between banks. While the market exchange rate as reported in such services may be a certain rate, customer transactions are seldom processed at that rate by these services. Given this scenario, we ensure that our rates are better than most similar remittance services.

Yes. The following transaction limits apply:

In the United States
You may use Samachar Money Transfer for a minimum of USD 11 and a maximum of USD 7500 per transaction for the Check and Wire services. For Online Transfer the minimum amount is USD 11 and the maximum is USD 5000 per transaction.

In Canada
The minimum amount per transaction is CAD 100 and the maximum is CAD 7500 for the Wire transfer service.

In the United Kingdom
The minimum amount per transaction is GBP 50 and the maximum is GBP 5000 for Wire Transfers and Online Transfer/Customer Initiated Payments.

In Euroland
The minimum amount per transaction is Euro 100 and the maximum is Euro 7500 per transaction.

In Japan
The minimum amount per transaction is JPY 10,000 and the maximum is JPY 500000 per transaction

In the United Arab Emirates
The minimum amount per transaction is AED 100 and the maximum is AED 30000 per transaction.

In Australia
The minimum amount per transaction is AUD 200 and the maximum is AUD 10000 per transaction.

Weekly and annual limits based on Samachar Money Transfer policy may also apply.

In Singapore
The minimum transaction amount per transaction is SGD 500 and the maximum amount is SGD 15000.

No. There are no limits on the number of beneficiaries that you can send money to. You may enter as many beneficiaries as you please in your address book.

The amount that can be sent per transaction through Online Transfer ranges from USD 11 - USD 5000. You can carry out a maximum number of transactions in a week.

There are a few things you should keep in mind to ensure that your money reaches your beneficiary without a problem:

1. Ensure all your contact details on your registration with us are correct to the last detail. This will help us get in touch with you the moment there is a problem with your transaction.
2. Enter the details of your beneficiary accurately. If you know the bank account details of your beneficiary, enter them in your address book. This is an added security feature towards ensuring the funds reach your beneficiary in a speedy and safe manner. If your beneficiary has an account with UTI Bank or 52 other top banks in India, the funds will directly be deposited to your beneficiary's account.
3. If you choose to use a check, be sure to accurately quote your Remittance Reference Number in the memo area on your check, and always attach a copy of the invoice while mailing the check to us.
4. Make sure that you choose the best location for your beneficiary's DD to be payable at. If you are not sure, check with your beneficiary before you make the remittance.
5. If you have chosen to mail a check, make sure your check is made exactly to the amount that you entered on the Samachar Money Transfer website while making the remittance request.
   If you are making a wire transfer, ensure you print the wire transfer instruction shown to you during the transaction and give it to your bank to effect the payment.

The Remittance Reference Number is the unique number displayed on your screen at the time of booking your remittance. This is a vital piece of information that is used by us to track your funds, and is equally important for you for tracking purposes, future enquiries and maintaining your online tracker.

If you are writing a check to UTI Bank, you must remember to write this in the memo area of your check before mailing the check to us.

If you are sending a wire transfer into UTI Bank's account, you will need to ensure that this is clearly legible on your wire transfer instruction printout to your bank.

You can see the status of your remittance at any time by clicking on the Remittance Reference Number in your Online Tracker.

The Remittance Reference Number helps us identify your check and process your remittance accurately and expeditiously. It differentiates your remittance from other remittances.

We ask you to enclose a print out of the Confirmation of Remittance Instruction Page with your check only as an additional way to track your funds. If you have remembered to write your unique Remittance Reference Number in the memo area of your check, we can still process your remittance. However, in the UK, you would need to attach the Confirmation of Remittance Instruction Page with the check. So unless you are remitting from the UK, go ahead and use Samachar Money Transfer without worrying about printing the Confirmation of Remittance Instruction Page. Do note that if you have chosen to send money through a wire transfer, you will definitely need to print this page to give to your bank, so that they will be able to send your funds to UTI Bank.

The P.O.Box address of UTI Bank is specially coordinated with the local post office to facilitate express processing of mail. If you are in the U.S, it is best to use the US Postal System. You may use first class mail to ensure the check reaches us as soon as possible. However, please do not use a courier agency or registered post, as they do not deliver to P.O.Boxes.

No. If you choose, say, check payment on our website, and then decide to send a wire transfer, we will not be able to process your remittance. However, you can book a fresh transaction on the site and ignore the earlier transaction.

Yes. You can now send money from Canada to India through Samachar Money Transfer. The service supports payments by sending domestic wire transfers to our account in Canada.

For transaction Fees applicable to you, click here.

The minimum amount per transaction is CAD 100 and the maximum is CAD 7500. Weekly and annual limits based on Samachar Money Transfer policy will also apply.

Currently in Canada, Wire Transfer service is supported. The Check service is temporarily not available.

In the case of a wire transfer, the money could be delivered to your beneficiary in India as fast as 48 hours (2 working days).

Yes. You can now send money from UK to India through Samachar Money Transfer. You can make direct Wire Transfers into our account in the UK. Our recently launched Online Transfer Service supports Internet based payments to our account in the UK using Bankers Automated Clearing Service (BACS).You can also send a local check to our Lockbox in London.

For transaction Fees applicable to you, click here.

The minimum amount per transaction is GBP 50 and the maximum is GBP 5000. Weekly and annual limits based on Samachar Money Transfer policy will also apply.

Currently in United Kingdom, you can pay us by making an Internet based transfer into our UTI Bank account in the UK. This can be done using Bankers Automated Clearing Service (BACS) Wire transfers can be made directly into our UTI Bank account in London.You can also send a local check to our Lockbox location in London.

Wire Transfers through the BACS network takes upto 3 days for us to receive your funds.The check mode takes 5 days for us to receive the money.

Yes. You can now send money from countries in Europe, which are part of the Euro community, through Samachar Money Transfer. The recently launched service supports payments through domestic wire transfers to our account in Germany for any Euro remittance.

You can send money in Euro from Austria, Belgium, Finland, France, Germany, Greece, Ireland, Italy, Luxembourg, Netherlands, Portugal and Spain.

For transaction Fees applicable to you, click here.

The minimum amount per transaction is Euro 100 and the maximum is Euro 7500. Weekly and annual limits based on Samachar Money Transfer policy will also apply.

Currently, the Wire Transfer facility is available for remittances from Euroland.

In the case of a wire transfer, the money could be delivered to your beneficiary in India as fast as 48 hours (2 working days).

Yes. You can now send money from Japan to India through Samachar Money Transfer. The service supports payments by sending domestic wire transfers to our account in Japan.

For transaction Fees applicable to you, click here.

The minimum amount per transaction is JPY 10,000 and the maximum is JPY 500000. Weekly and annual limits based on Samachar Money Transfer policy will also apply.

Currently in Japan, Wire Transfer service is supported.

In the case of a wire transfer, the money could be delivered to your beneficiary in India as fast as 48 hours (2 working days).

Yes. You can now send money from Australia, through Samachar Money Transfer. The recently launched service supports payments through domestic wire transfers or online transfers to our account in Australia.

For transaction Fees applicable to you, click here.

The minimum amount per transaction is AUD 200 and the maximum is AUD 10000. Weekly and annual limits based on Samachar Money Transfer policy will also apply.

Currently, the Wire Transfer facility and Online Transfer modes are available for remittances from Australia.

In the case of a wire transfer, the money could be delivered to your beneficiary in India as fast as 48 hours (2 working days). For Online Transfers, the time taken would depend on the bank you are sending money from.

Yes. You can now send money from the 7 Emirates forming the U.A.E, through Samachar Money Transfer. The recently launched service supports payments through domestic wire transfers or online transfers to our account in the U.A.E.

You can send money in dirhams from Abu Dhabi, Ajman, Al Fujayrah, Ash Shariqah, Dubai, Umm al Qaywayn and Ra's al Khaymah.

For transaction Fees applicable to you, click here.

The minimum amount per transaction is AED 100 and the maximum is AED 30000. Weekly and annual limits based on Samachar Money Transfer policy will also apply.

Currently, the Wire Transfer facility and Online Transfer modes are available for remittances from the Emirates.

In the case of a wire transfer, the money could be delivered to your beneficiary in India as fast as 48 hours (2 working days). For Online Transfers, the time taken would depend on the bank you are sending money from. You can currently send money through your Internet Banking account with Standard Chartered, HSBC or Citibank in the U.A.E.

Yes. You can now send money from Singapore, through Samachar Money Transfer. The recently launched service supports payments through domestic wire transfers or online transfers to our account in Singapore.

For transaction Fees applicable to you, click here.

The minimum amount per transaction is SGD 500 and the maximum is SGD 15000. Weekly and annual limits based on Samachar Money Transfer policy will also apply.

Currently, the Wire Transfer facility and Online Transfer modes are available for remittances from Singapore.

In the case of a wire transfer, the money could be delivered to your beneficiary in India as fast as 48 hours (2 working days). For Online Transfers, the time taken would depend on the bank you are sending money from.

The Reserve Bank of India does not permit outward remittances from India of foreign remittances. Hence, it is not possible to reverse the transaction or send your funds back to you.

Once you book your remittance on Samachar Money Transfer, we keep you informed on the status of your remittance through periodic email updates and reminders. You can also keep yourself updated on the status by clicking on "Online Tracker" on any of the NRI Services pages. The following statuses are displayed:

1. Money Awaited: This means that we are still awaiting your funds to reach us, by check or wire transfer, as per your choice. This shows up when you have not mailed us the check, or if the check is in the mail, or if your wire transfer has not reached us.
2. Money in Clearing: This means that we have received your check or online transfer instruction and it is in the banking channels for clearing.
3. Money Dispatched: This means that your check or online transfer instruction cleared, or your wire transfer funds were realized, and your funds have been dispatched to your beneficiary.
4. Money Delivered: This means that the Demand Draft has been reached to your beneficiary or the amount has been directly deposited, and you can view the delivery details against your Remittance Reference Number.
5. Dead Letter: This appears if, one month after booking your remittance with us, we still haven't received your funding check or your wire transfer instruction. This means that if you would still like to send money to your beneficiary, you will need to book it as a new remittance.
   

When a check bounces, the login ID of the user is immediately put on hold for further transactions. The ID can be enabled again by contacting us through the "Got a Question" button. Check bounce information may be shared with credit bureaus, adversely affecting the credit history of the user.

If you have a query or experience a problem, or just want to give us a suggestion to improve our product, you can do so by clicking the "Got a question" button on the top right hand corner of any of the pages on the "NRI Services" section. We will respond to your query within 24 hours.