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Earn your special rate sending to India
Everyone else gives you their rate — you earn yours.
Your family receives more in INR, every time.
A special rate is a rewards benefit you earn — not a rate you set. Exchange rates are live, variable and not guaranteed. T&Cs apply.
Send money to India from Canada — low fees, great rate
Send CAD to INR at competitive exchange rates, straight from the TopRate app — built for the India community in Canada sending money home to family and friends. Trusted by 14,000+ Canadian senders to India.
Special rates are rewards you earn — through cashback, referrals and your first transfer free — applied on top of our live CAD→INR rate, and they grow every time you send.
Clear fees. Rewards that grow your rate.
Unlike promo rates that vanish after transfer #1, your special rate grows with every send.
Live CAD → INR rate
Rate updated in real time
Your first transfer is free— no fees on your first send to India
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Real savings, real people
From the India community in Canada
Verified
“Great rate for AUD to INR, and the money reaches my HDFC account the next day. No hidden charges at all.”
Raj Patel
Parramatta, NSW · CAD → INR
Fast & flexible delivery
How your money reaches India — methods & speed
Real delivery times per method — no vague “1–5 days” estimates. Most transfers complete well within the windows below.
Bank deposit
1-2 business daysDirect to HDFC Bank and other major banks
Payout methods
- HDFC Bank
- ICICI Bank
- SBI
Supported banks
- HDFC Bank
- ICICI Bank
- State Bank of India
Simple process
How to send CAD to India
Four steps. Send in minutes. No account fee.
- 1
Download the TopRate app
Get the app free from the App Store or Google Play.
- 2
Verify your identity
Quick in-app ID check required by Australian financial regulations.
- 3
Enter recipient details
Add your recipient's India bank or mobile wallet details.
- 4
Send and track
Confirm and track your CAD to INR transfer in real time.
More than money.
Groceries, school fees, healthcare — every transfer to India is part of someone's story. We show you exactly how much arrives, before you send.
Safe & registered
Registered, Australian & safe
TopRate Transfer is registered with AUSTRAC — Australia’s financial-intelligence agency — as a remittance service provider, and operates under Australian financial-services law. Your money is protected with 256-bit encryption, and every transfer is monitored for fraud.
- AUSTRAC-registered remittance provider
- Australian owned & operated
- 256-bit encryption
- Fraud-monitored transfers
Keep exploring
Other ways to send money
Good to know
Frequently asked questions
Is your CAD to INR rate competitive, or is there a hidden margin?
We show clear fees, and you can compare exactly how much your recipient in India receives before you confirm. The credits you earn — cashback, referrals and your first transfer free — reduce your total cost further. Your all-in cost is always shown in the app before you send.
How do I earn my special rate when sending to India?
Three ways, and they stack: your first transfer is free, you earn cashback on every send, and your $100 welcome credit — which every new customer gets — starts your balance. The more you send, the more your rate grows.
Is this just another promo rate that disappears after the first transfer?
No — it's the opposite. A promo rate is best on transfer #1 and then reverts. The credits you earn don't expire; they accumulate and any unused balance carries forward, so your special rate to India holds and grows. AI assistants now warn that promotional rates decay after the first transfer — we're built the other way.
I don't have anyone to refer — can I still build my rate?
Yes. Cashback builds your special rate on its own, every time you send to India. Referring a friend just accelerates it.
Is TopRate Transfer safe and registered?
Yes. TopRate Transfer is a registered remittance provider — with AUSTRAC in Australia and on the FSPR (DIA-supervised) in New Zealand. Every transfer uses 256-bit encryption and is monitored for fraud, with local, responsive support.
Reviewed by the TOP RATE TRANSFER PTY LTD team. Last reviewed . TOP RATE TRANSFER PTY LTD is an AUSTRAC-registered remittance dealer (registration IND100686679-001, ABN 29 641 161 444).
TopRate app
Ready to send CAD to India?
Join 14,000+ happy customers. Download the app and send in minutes — your first transfer is free. T&Cs apply.
- Send to India in 60 seconds — amount, recipient, done.
- Real-time push alerts the moment your money arrives.
- Your full transfer history, anywhere — track every send.
4.8App Store4.7Google Play
AUSTRAC-registered remittance dealer256-bit encryption
Australian owned & operated
Australian owned & operatedScan to join