How to Send Money from India to Australia in 2025 – A Complete Guide

Are you planning to send money from India to Australia for university tuition, living expenses, or family support? Whether you’re a student heading to an Australian university, a parent supporting your child overseas, or a professional managing cross-border payments, knowing how to send money efficiently, affordably, and legally is essential. In this guide, we’ll cover how to send money to Australia from India, the rules and regulations involved, and why Supreme Forex is your best choice to Send money abroad from India.

Why Send Money to Australia from India?

There are several reasons Indians send money to Australia:

• Tuition Fee Payments: Many Indian students pursue higher education in Australia. Sending money abroad helps them pay university tuition fees, accommodation deposits, and other academic expenses on time.
• Living Expenses: International students and dependents often need regular financial support for rent, groceries, transportation, and healthcare. Transferring money from India ensures they manage day-to-day expenses with ease.
• Family Support: Indian families living in Australia may require financial aid during emergencies or for planned purposes like weddings, home purchases, or investments. Sending money helps maintain financial stability across borders.
• Medical or Travel Emergencies: Immediate remittance becomes crucial during health emergencies or urgent travel plans. Swift transfers from India to Australia provide timely assistance when it’s needed most.
• Business or Investment Needs: Indian professionals or entrepreneurs investing in Australian ventures or covering business expenses rely on international transfers to fund operations or partnerships.

No matter the purpose, understanding the right method to send money abroad from India ensures smoother and faster transactions.

Rules for Sending Money Abroad from India

Under the Liberalised Remittance Scheme (LRS) by the Reserve Bank of India (RBI), Indian residents can legally send up to USD 250,000 per financial year abroad for permissible purposes such as education, maintenance of close relatives, or medical expenses.

Here are the key rules:

• PAN card is mandatory for remitting funds.
  
• The remitter must comply with FEMA (Foreign Exchange Management Act) guidelines.
  
• You can only remit through authorised dealers like banks or RBI-licensed entities such as Supreme Forex.
  
• Purpose code and KYC documents are required.
  

For education-related remittances, documents like admission letters, fee structure, and passport copies are needed, to follow RBI Guidelines.

How to Send Money from India to Australia – Step-by-Step

Sending money internationally is easier than ever with Supreme Forex. With Supreme Forex, you can send your university fees abroad in a hassle-free and secure manner. Here’s a step-by-step guide:

• Choose a Reliable Money Transfer Service: Start by selecting a trusted service like Supreme Forex, which offers competitive exchange rates, low transfer fees, and fast processing times for transfers to Australia.
• Check RBI Guidelines: Ensure your transaction complies with the Liberalised Remittance Scheme (LRS) by the Reserve Bank of India, which allows Indian residents to remit up to USD 250,000 annually.
• Complete KYC Requirements: Submit necessary KYC documents such as PAN card, Aadhaar, passport, and proof of purpose (like university admission or invoice for living expenses).
• Provide Recipient Details: Enter the correct beneficiary name, Australian bank account number, SWIFT/BIC code, and bank name to avoid delays.
• Transfer the Funds: Fund the transfer through NEFT/RTGS or net banking. Once processed, the amount will be credited to the recipient’s Australian account within 24–72 hours.

What is the Cheapest Way to Send Money to Australia?

Looking for the cheapest way to send money to Australia from India? Here’s how you can cut down on unnecessary fees and poor exchange rates:

• Use Online Forex Platforms: Services like Supreme Forex offer competitive exchange rates and low transfer fees compared to traditional banks.
  
• Avoid Bank Transfers: Most Indian banks charge high SWIFT fees and offer poor conversion rates.
  
• Compare Exchange Rates: Always compare live AUD rates across multiple platforms.
  
• Send Larger Amounts Less Frequently: This reduces per-transfer charges.
  
• Check for Offers: Some platforms waive off fees for first-time users or student payments.
  

While banks may seem convenient, they often charge higher fees and offer less favourable rates. Instead, choose RBI-authorized forex platforms that specialize in international student transfers, education fees, or personal remittances. Compare total costs, including transfer fees, exchange rates, and delivery time, before deciding. Supreme Forex simplifies the process and provides full transparency, making it a trusted choice.

How Much Cash is Allowed from India to Australia?

When traveling from India to Australia, there is no strict limit on the amount of cash you can carry. However, if you’re carrying more than INR 25,000 in Indian currency, it’s prohibited under RBI guidelines. For foreign currency, you can carry up to USD 3,000 (or its equivalent) in cash. If the total foreign exchange (including forex cards, traveler’s cheques, etc.) exceeds USD 10,000, it must be declared at customs. Australian authorities also require travelers to declare if they are carrying AUD 10,000 or more (or its foreign equivalent). Always check the latest RBI and Australian customs regulations before departure.

INR or USD – What to Carry to Australia?

When traveling to Australia, it’s generally better to carry AUD (Australian Dollars) rather than INR or USD to avoid multiple currency conversion charges. However, if AUD isn’t available, USD is more widely accepted and easier to exchange in Australia compared to INR. Before your trip, consider converting INR to AUD or use a forex card loaded with AUD at competitive rates through trusted forex providers like Supreme Forex. This ensures you have local currency on hand for immediate expenses, saving time and money upon arrival.

Why Choose Supreme Forex for Sending Money to Australia?

Supreme Forex is a leading RBI-authorised foreign exchange service provider in India. Whether you want to send money to Australia from India for studies or personal use, here’s why we’re the best:

• 1. Best Exchange Rates – We offer live market rates, beating most banks and online portals.
• 2. No Hidden Fees – With us, what you see is what you pay. No surprises.
• 3. Fast Transfer – Your funds reach Australia in as little as 24–48 hours.
• 4. Expert Support – Our currency specialists help with documentation, Visa Process, and choosing the best method based on your needs.
• 5. Student-Friendly Solutions – From tuition fee transfers to student forex cards, we offer tailored solutions for study abroad needs.

FAQs – Sending Money to Australia from India

Q1. What is the best way to send money to Australia for education?
A: Using a foreign exchange provider like Supreme Forex ensures quick and cost-effective transfers. We handle end-to-end documentation and offer excellent exchange rates.

Q2. Can I send money abroad using UPI or Paytm?
A: No, international transfers are not permitted via UPI, Paytm, or Indian wallets. Use RBI-authorised platforms like Supreme Forex, (Supreme Securities Limited).

Q3. How long does it take for the money to reach Australia?
A: Typically, funds reach within 1–2 business days, depending on the bank and transfer type.

Q4. Do I need to open a new account for sending money abroad?
A: No. You can send funds directly from your savings account. Supreme Forex will assist in the process without needing a new account.

Final Thoughts – Start Your Transfer Today with Supreme Forex

Sending money from India to Australia doesn’t need to be complicated or expensive. With Supreme Forex, you enjoy speed, security, and savings, all while complying with RBI regulations. Whether it’s your first time sending money abroad or a recurring transfer, our team is here to simplify the process.

Start your transfer today and experience why thousands of Indian students and families trust Supreme Forex for their international remittances.