How to Send Money from France to India: A Complete Guide (2025)

In a really global world, it is usual for those residing in France to send some money to India for the support of family, education, investment in businesses, or reimburse for some expenses in their country. Being an expat, a student, or a working person, one must be aware of the safest and cheapest way to send money from France to India.

This complete guide takes you through the process, options, fees, and tips to ensure that you make the best out of your international transaction.


Why Do People Send Money From France to India?

Family Support: Regular support remittances to help those dear to them.

Education Fees: Payments for tuition and accommodation.

Business Transactions: Paying suppliers or investing in Indian ventures.

Property Deals: Buying or maintaining property in India.

How Do International Money Transfers Work?

For the money transfer from France to India, the following are usually carried out:

• Conversion of Euros (EUR) to Indian Rupees (INR) the exchange rate which prevails at the time.

• Routing of the transfer through banks or licensed money transfer operators.

• Delivery of the funds to the recipient’s bank account, mobile wallet, or cash pickup point.

Sending Money from France to India: Popular Methods

1. Bank Transfers

Send directly from France banks to Indian bank accounts.

Pros: Secure, regulated, and trustworthy.

Cons: High fees, slower processing times (2-5 days).

2. Online Money Transfer Services

Examples include Wise (formerly TransferWise), Remitly, WorldRemit, and Western Union Online.

Pros: Competitive rates, speedier transfers, and easy tracking.

Cons: Some restrict transfer amounts.

3. SWIFT Wire Transfers

Best for huge sums that get transferred over the global SWIFT network.

Pros: Works from anywhere in the world; secure.

Cons: Expensive fees, and it may take longer.

4. Mobile Payment Apps

Some services tie up with Indian payment gateways.

Pros: Instant transfers for small amounts.

Cons: Limited options available on the France-India corridor.

5. Panda Money

A fast-growing and NRI-centric platform blending speed, transparency, ease, and ethical conduct. An exchange rate must be competitive; fees must be the lowest; all payout channels available from Panda Money, like bank accounts, UPI, e-wallets, and others.

Things to Check Before Sending Money

Exchange Rates: Even a slight difference could change the final amount by a lot.

Transfer Fees: Flat fees vs. percentage-based fees.

Transfer Speed: While others swing into action immediately, some take days.

Security: Remember to always use regulated and trusted services.

Recipient Details: Double-check the number and IFSC code of the account to avoid delays.

Step-by-step instructions on how to send money from France to India

Service Choice: Compare banks and Internet providers.

Check Prices & Fees: Identify which will give you best value on the transfer.

Fill in the recipient’s information: Name, bank account numbers, IFSC codes, and address.

Confirm Payment: Verify the details carefully before authorizing.

Track Remittance: Use the tracking codes given by the bank or keep track of the status within the application.

Transfer Money: Save Money.

• Send less often; sending money more often increases transfer charges.
• Weekend transfers should be avoided; the conversion rate is generally unfavorable.

• Make sure you always sign up for promotional offers from transfer services.

• Returns charges from the receiving bank might get deducted from the recipient monies.

Avoiding Mistakes

• Using unlicensed services.
• The exchange rate margin is ignored.
• Giving an incorrect account number.

Conclusion

Choosing your option to transfer money from France to India will depend on what you give priority to: speed, cost, or convenience? Suppose quick transfers are what you need. Then Remitly and Western Union may be the best options for you. If you want to save a bit, then Wise is typically the solution, charging the mid-market rate plus a small fee.

Do your research, keep an eye on exchange rates, and aim for an option that works best for your next money transfer. This will undoubtedly help your money reach India faster, safe, and with more value.