Best companies for INR/KES transfers
4 of 4 providers Last updated on 10 November 2026
Based on 22,100 INR transfer Best companies for INR/KES transfers Sort Cheapest
Promoted Wise Pay via Bank transfer	Fee ₹902.28 1 INR = 1.3888 KES +0.20% vs mid-market	Recipient gets KES 29,440.00 Same day
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Kenya with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer ₹902.281 INR = 1.3888 KES KES 29,440.00You pay₹22,100.00
Run a live search Showing top India to Kenya deals for 22,100 INR. Do a live search with your exact amount for today's best rates.
Run a live search Showing companies that send from a business account. Run a business search to get live INR to KES rates.
Run a live search These companies offer multi-currency accounts for spending KES. We suggest doing a live search based on how much INR you're planning to spend in Kenya.
Run a live search These are managed services with real human support for large INR transfers. Click the link and update the transfer amount to get the best deal.
Wise Pay via Bank transfer	Fee ₹902.28 1 INR = 1.3888 KES +0.20% vs mid-market	Recipient gets KES 29,440.00 Same day
25 reviews CheapestOur top pick Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Kenya with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer ₹902.281 INR = 1.3888 KES KES 29,440.00You pay₹22,100.00
Send Money Between PayPal Accounts PayPal App (P2P Transfer) Pay via Bank transfer	Fee ₹884.00 1 INR = 1.3081 KES +6.00% vs mid-market	Recipient gets KES 27,751.98 Minutes
0 reviews Fastest
Ways to receive money in Kenya with PayPal App (P2P Transfer) when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes ₹884.001 INR = 1.3081 KES KES 27,751.98You pay₹22,100.00
Send cash via a MoneyGram agent MoneyGram Agent Pay via Bank transfer	Fee ₹884.00 1 INR = 1.3081 KES +6.00% vs mid-market	Recipient gets KES 27,751.98 Minutes - 3 days
0 reviews
Ways to receive money in Kenya with MoneyGram Agent when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 3 days ₹884.001 INR = 1.3081 KES KES 27,751.98You pay₹22,100.00
Send cash via a Western Union agent Western Union Agent Pay via Bank transfer	Fee ₹663.00 1 INR = 1.2942 KES +7.00% vs mid-market	Recipient gets KES 27,742.75 Minutes - 5 days
0 reviews
Ways to receive money in Kenya with Western Union Agent when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 5 days ₹663.001 INR = 1.2942 KES KES 27,742.75You pay₹22,100.00
How Our Results Work Mid-market rate: 1 INR = 1.3916 KES Updates every 60 minutes.

Why compare

INR/KES exchange rate

Best ways to pay & receive

Transfer speed

How to send money from India to Kenya

Pick a company

For a one-off INR transfer to Kenya, I suggest picking the cheapest option which is Wise.

Wise was the cheapest on 30 of the 30 days it quoted ₹22,100 transfers to Kenya.

On a 22,100 INR transfer, Wise delivers the most KES.

The best option will change depending on how much you actually send, so I suggest to get the best INR/KES rate.

Fund your transfer

You can fund your transfer via bank transfer.

Most people pay with UPI straight from their banking app, and it reaches the money transfer company account in seconds.

For a large amount (10+ lakhs), ask for RTGS instead, it clears quicker than the everyday rails.

Verify and send

You'll need your PAN and a signed Form A2 before the money can leave the country.

Start a first transfer a few days early.

Compare amounts

How much INR are you sending to Kenya?

How much INR you send to Kenya heavily affects the best ways and the cheapest options. Use the table below to check how the cheapest options change and how much more you'd get by comparing.

Our analysis shows Wise was the cheapest in 73% of all the transfers it quoted over the past month.


₹22,100This page	0.20%	₹902.28	KES 29,440.00with bank transfer to bank deposit	+KES 1,268.32
₹50,000	0.15%	₹1,387.54	KES 67,508.00with bank transfer to bank deposit	KES 0.00
₹1,00,000	0.05%	₹2,257.15	KES 1,35,727.00with bank transfer to bank deposit	KES 0.00
₹2,00,000	0.21%	₹3,996.39	KES 2,72,116.00with bank transfer to bank deposit	KES 0.00
₹5,00,000	0.00%	₹9,213.78	KES 6,82,482.00with bank transfer to bank deposit	KES 0.00
₹6,00,000	0.27%	₹0.00	KES 8,32,025.85with bank transfer to bank deposit	+KES 6,660.42
₹10,00,000	0.27%	₹0.00	KES 13,86,334.76with bank transfer to bank deposit	+KES 11,159.88

Mid-market rate: 1 INR = 1.3916 KES

INR/KES Exchange Rate History

Is today a good time to send money from India to Kenya?

The cheapest way to send INR to KES can change every day, or stay with the same company all month.

We've compared the mid-market rate with the cheapest option each day (today it's Wise), across 30 days of comparisons for 22,100 INR transfers to Kenya.

Each line shows what the recipient gets when you send ₹22,100, after fees, as quoted by each company. The mid-market line shows what ₹22,100 converts to at the real exchange rate, with no fees or markup. Rates are checked once a day. Sponsored placements never affect this data. There are no bank quotes for this period.

The dashed line is what you'd get at the mid-market rate with no fees, and the blue line is the cheapest option that day.

When the blue line goes above the dashed one, you're getting more KES per INR than the mid-market rate can offer.

This could be due to money transfer offers, FX rate adjustments, or market competitiveness.

No company, app or bank beat the mid-market rate over the past month, meaning you lose a bit of KES on every transfer from India.

Right now, Wise pays 29,440 KES on 22,100 INR, which is 1,313.52 KES less than the mid-market amount.

Today's payout is the highest in the past month.

Cheapest over time

Picking the cheapest money transfer company

Just because a company is the cheapest today doesn't mean it's always the best option for sending money to Kenya.

We've tracked 207 comparisons to check how often today's top companies were the cheapest across 7 amounts over the past month.

WiseAppeared in 206 comparisons
Cheapest in 73% of them
PayPal App (P2P Transfer)Appeared in 30 comparisons
Never the cheapest
MoneyGram AgentAppeared in 30 comparisons
Never the cheapest

Based on 207 comparisons across 7 amounts over the last 30 days.

Different companies can come out cheapest depending on the day and the amount you send.

To keep things fair, we only count the comparisons each company appeared in, and only analyse companies that appeared in at least 50% of all comparisons (so occasional cheapest options don't skew it).

Today Wise is the cheapest and gets you the most KES, and it was also the cheapest in 73% of the 206 comparisons it appeared in over the past month.

It's a good pick for both one-off and regular transfers to Kenya.

Ways to send money from India to Kenya

You have 4 options to send money to Kenya from India.

Easiest way to send INR

Online transfers

Online services and apps are simple and cheap for INR to Kenya transfers.

It works well for tuition deposits, living costs, and other ongoing payments to Kenya.

Wise charges 902.28 INR in fees to send ₹22,100, which will get your recipient around 29,440 KES.

In our comparisons over the past month, it was the cheapest online service on 30 of the 30 days it quoted.

Spending and receiving

Multi-currency accounts

With Wise you can hold INR and KES in one account and swap between them when you need.

Over the past month, Wise came out cheapest among multi-currency accounts on 100% of days.

And you get KES and INR banking details to receive payments.

Useful if you’re studying in Kenya, travelling there often, or getting paid in KES.

Making business payments

Global accounts

Business payments supported by an invoice do not use the owner’s personal LRS allowance.

Wise Business, Instarem Business, and Payoneer can manage freelancer payments, batch payments to Kenya, invoices, and more.

Ways to fund INR and receive KES in Kenya

With Wise, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending ₹22,100 gives your recipient 29,440 KES.

UPI can fund the INR side when the company supports it, but the outward remittance still leaves India through an RBI-authorised bank.

From India, you can fund your transfer to Kenya using bank transfer.

Fund the outward remittance through your bank

Fund the transfer by bank transfer from your Indian account.

You will normally need your PAN, Form A2 and documents showing the purpose of the transfer.

In Kenya, your recipient can receive KES by bank deposit.

1

Bank transfer Bank deposit

You pay ₹22,100.00

KSh29,440

Cheapest

Consider this before sending INR to Kenya

Outward transfers from India sit under the Liberalised Remittance Scheme. The purpose decides the documents and how much TCS is collected upfront.

Compare INR/KES transfer options

For an INR 22,100 transfer to Kenya, the current options are:

The cheapest option is Wise, funded by bank transfer with bank deposit for the payout. Your recipient gets 29,440 KES, which is 5.73% more than the next best option.
The fastest option is PayPal App (P2P Transfer), funded by bank transfer with bank deposit in Kenya. Your recipient gets 27,751.98 KES in minutes.

The LRS limit covers all your outward transfers

A resident individual can remit up to USD 250,000 in one financial year under the Liberalised Remittance Scheme for permitted current and capital-account transactions.

The limit is per person and covers your combined LRS use, including gifts, maintenance, study, travel and overseas investment.

It is not a separate allowance for every bank or transfer company.

The authorised money transfer company will normally ask for your PAN, Form A2 and a purpose code.

The RBI LRS direction explains the yearly limit and permitted use.

TCS can lock up cash until your tax return

TCS is collected on qualifying LRS remittances above the annual threshold.

From April 2026, education and medical remittances are generally collected at 2% above ₹10 lakh, while many other purposes carry 20% above the threshold.

Education funded by a qualifying loan does not attract TCS.

TCS is a tax credit rather than an extra transfer fee. You can claim it against your final tax bill, but the money remains unavailable until it is adjusted or refunded.

Add up your LRS payments across banks before sending. The bank or transfer company will need your earlier use to apply the threshold correctly.

UPI only funds the rupee side

UPI can be used to deposit money to a money transfer company, but it can’t send KES to Kenya.

Instead, a money transfer company will switch to a local network of bank accounts or local rails to move INR to KES.

All outward remittance still passes through an RBI-authorised dealer.

How we analyse the market

Money only leaves India through an RBI-authorised dealer, so that's the first filter on this table.

We track 4 of them on INR to Kenya, comparing rates, fees and the ways you can pay in, refreshed in real time on live comparisons.

In the past 30 days alone, we analysed 207 comparisons across 7 amounts.

This page covers the cheapest and fastest options for INR/KES transfers. This is how we pick them:

Cheapest: the company that gets your recipient the most, after fees and the exchange rate. On a tie, live pricing from the company takes priority over the rates we collect by hand.
Fastest: the company with the shortest estimated delivery time once you’ve paid. On a tie, the one that pays out more takes priority.

Each one also goes through our review, and hand-collected pricing is marked as such.

Any tax information is for general guidance only and does not constitute tax advice. Speak to a qualified tax adviser about your circumstances.

Send money from India

Send money to Kenya

Mon, 12 Oct, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.3551	–	KES 29,947.14
Wise Cheapest	1.3548	₹906.48	KES 28,714.00	−KES 1,233.14
PayPal App (P2P Transfer)	1.2738	₹884.00	KES 27,024.29	−KES 2,922.85
MoneyGram Agent	1.2738	₹884.00	KES 27,024.29	−KES 2,922.85

Tue, 13 Oct, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.3628	–	KES 30,118.87
Wise Cheapest	1.3618	₹905.60	KES 28,862.00	−KES 1,256.87
PayPal App (P2P Transfer)	1.2811	₹884.00	KES 27,179.27	−KES 2,939.60
MoneyGram Agent	1.2811	₹884.00	KES 27,179.27	−KES 2,939.60

Wed, 14 Oct, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.3664	–	KES 30,198.24
Wise Cheapest	1.3658	₹905.08	KES 28,948.00	−KES 1,250.24
PayPal App (P2P Transfer)	1.2844	₹884.00	KES 27,250.89	−KES 2,947.35
MoneyGram Agent	1.2844	₹884.00	KES 27,250.89	−KES 2,947.35

Thu, 15 Oct, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.3664	–	KES 30,196.49
Wise Cheapest	1.3669	₹904.95	KES 28,972.00	−KES 1,224.49
PayPal App (P2P Transfer)	1.2844	₹884.00	KES 27,249.31	−KES 2,947.18
MoneyGram Agent	1.2844	₹884.00	KES 27,249.31	−KES 2,947.18

Fri, 16 Oct, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.3664	–	KES 30,198.35
Wise Cheapest	1.3658	₹905.09	KES 28,948.00	−KES 1,250.35
PayPal App (P2P Transfer)	1.2845	₹884.00	KES 27,250.99	−KES 2,947.36
MoneyGram Agent	1.2845	₹884.00	KES 27,250.99	−KES 2,947.36

Sat, 17 Oct, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.3700	–	KES 30,275.96
Wise Cheapest	1.3666	₹904.98	KES 28,966.00	−KES 1,309.96
PayPal App (P2P Transfer)	1.2878	₹884.00	KES 27,321.03	−KES 2,954.93
MoneyGram Agent	1.2878	₹884.00	KES 27,321.03	−KES 2,954.93

Mon, 19 Oct, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.3701	–	KES 30,278.77
Wise Cheapest	1.3701	₹904.56	KES 29,039.00	−KES 1,239.77
PayPal App (P2P Transfer)	1.2879	₹884.00	KES 27,323.56	−KES 2,955.21
MoneyGram Agent	1.2879	₹884.00	KES 27,323.56	−KES 2,955.21

Tue, 20 Oct, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.3693	–	KES 30,261.73
Wise Cheapest	1.3694	₹904.64	KES 29,025.00	−KES 1,236.73
PayPal App (P2P Transfer)	1.2872	₹884.00	KES 27,308.18	−KES 2,953.55
MoneyGram Agent	1.2872	₹884.00	KES 27,308.18	−KES 2,953.55

Wed, 21 Oct, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.3705	–	KES 30,289.13
Wise Cheapest	1.3715	₹904.39	KES 29,069.00	−KES 1,220.13
PayPal App (P2P Transfer)	1.2883	₹884.00	KES 27,332.91	−KES 2,956.22
MoneyGram Agent	1.2883	₹884.00	KES 27,332.91	−KES 2,956.22

Thu, 22 Oct, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.3706	–	KES 30,290.53
Wise Cheapest	1.3701	₹904.56	KES 29,041.00	−KES 1,249.53
PayPal App (P2P Transfer)	1.2884	₹884.00	KES 27,334.17	−KES 2,956.36
MoneyGram Agent	1.2884	₹884.00	KES 27,334.17	−KES 2,956.36

Fri, 23 Oct, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.3677	–	KES 30,226.32
Wise Cheapest	1.3676	₹904.85	KES 28,987.00	−KES 1,239.32
PayPal App (P2P Transfer)	1.2856	₹884.00	KES 27,276.24	−KES 2,950.08
MoneyGram Agent	1.2856	₹884.00	KES 27,276.24	−KES 2,950.08

Sat, 24 Oct, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.3666	–	KES 30,202.24
Wise Cheapest	1.3669	₹904.94	KES 28,972.00	−KES 1,230.24
PayPal App (P2P Transfer)	1.2846	₹884.00	KES 27,254.50	−KES 2,947.74
MoneyGram Agent	1.2846	₹884.00	KES 27,254.50	−KES 2,947.74

Mon, 26 Oct, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.3650	–	KES 30,167.25
Wise Cheapest	1.3646	₹905.23	KES 28,923.00	−KES 1,244.25
PayPal App (P2P Transfer)	1.2831	₹884.00	KES 27,222.93	−KES 2,944.32
MoneyGram Agent	1.2831	₹884.00	KES 27,222.93	−KES 2,944.32

Tue, 27 Oct, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.3656	–	KES 30,180.51
Wise Cheapest	1.3650	₹905.19	KES 28,930.00	−KES 1,250.51
PayPal App (P2P Transfer)	1.2837	₹884.00	KES 27,234.89	−KES 2,945.62
MoneyGram Agent	1.2837	₹884.00	KES 27,234.89	−KES 2,945.62

Wed, 28 Oct, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.3648	–	KES 30,161.00
Wise Cheapest	1.3644	₹905.26	KES 28,919.00	−KES 1,242.00
PayPal App (P2P Transfer)	1.2829	₹884.00	KES 27,217.28	−KES 2,943.72
MoneyGram Agent	1.2829	₹884.00	KES 27,217.28	−KES 2,943.72

Thu, 29 Oct, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.3628	–	KES 30,118.59
Wise Cheapest	1.3626	₹905.50	KES 28,879.00	−KES 1,239.59
PayPal App (P2P Transfer)	1.2811	₹884.00	KES 27,179.01	−KES 2,939.58
MoneyGram Agent	1.2811	₹884.00	KES 27,179.01	−KES 2,939.58

Fri, 30 Oct, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.3645	–	KES 30,154.59
Wise Cheapest	1.3648	₹905.21	KES 28,926.00	−KES 1,228.59
PayPal App (P2P Transfer)	1.2826	₹884.00	KES 27,211.50	−KES 2,943.09
MoneyGram Agent	1.2826	₹884.00	KES 27,211.50	−KES 2,943.09

Sat, 31 Oct, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.3675	–	KES 30,221.48
Wise Cheapest	1.3687	₹904.72	KES 29,011.00	−KES 1,210.48
PayPal App (P2P Transfer)	1.2854	₹884.00	KES 27,271.87	−KES 2,949.61
MoneyGram Agent	1.2854	₹884.00	KES 27,271.87	−KES 2,949.61

Mon, 2 Nov, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.3702	–	KES 30,280.58
Wise Cheapest	1.3697	₹904.61	KES 29,032.00	−KES 1,248.58
PayPal App (P2P Transfer)	1.2880	₹884.00	KES 27,325.20	−KES 2,955.38
MoneyGram Agent	1.2880	₹884.00	KES 27,325.20	−KES 2,955.38

Tue, 3 Nov, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.3699	–	KES 30,275.61
Wise Cheapest	1.3697	₹904.62	KES 29,030.00	−KES 1,245.61
PayPal App (P2P Transfer)	1.2877	₹884.00	KES 27,320.71	−KES 2,954.90
MoneyGram Agent	1.2877	₹884.00	KES 27,320.71	−KES 2,954.90

Wed, 4 Nov, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.3701	–	KES 30,278.92
Wise Cheapest	1.3700	₹904.57	KES 29,039.00	−KES 1,239.92
PayPal App (P2P Transfer)	1.2879	₹884.00	KES 27,323.70	−KES 2,955.22
MoneyGram Agent	1.2879	₹884.00	KES 27,323.70	−KES 2,955.22

Thu, 5 Nov, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.3754	–	KES 30,397.03
Wise Cheapest	1.3753	₹903.91	KES 29,150.00	−KES 1,247.03
PayPal App (P2P Transfer)	1.2929	₹884.00	KES 27,430.28	−KES 2,966.75
MoneyGram Agent	1.2929	₹884.00	KES 27,430.28	−KES 2,966.75

Fri, 6 Nov, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.3806	–	KES 30,511.22
Wise Cheapest	1.3811	₹903.20	KES 29,275.00	−KES 1,236.22
PayPal App (P2P Transfer)	1.2978	₹884.00	KES 27,533.32	−KES 2,977.90
MoneyGram Agent	1.2978	₹884.00	KES 27,533.32	−KES 2,977.90

Sat, 7 Nov, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.3818	–	KES 30,536.81
Wise Cheapest	1.3822	₹903.07	KES 29,298.00	−KES 1,238.81
PayPal App (P2P Transfer)	1.2989	₹884.00	KES 27,556.42	−KES 2,980.39
MoneyGram Agent	1.2989	₹884.00	KES 27,556.42	−KES 2,980.39

Sun, 8 Nov, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.3865	–	KES 30,642.25
Wise Cheapest	1.3822	₹903.07	KES 29,298.00	−KES 1,344.25
PayPal App (P2P Transfer)	1.3033	₹884.00	KES 27,651.56	−KES 2,990.69
MoneyGram Agent	1.3033	₹884.00	KES 27,651.56	−KES 2,990.69

How to send money to Kenya from India with the best INR-KES rate

Best companies for INR/KES transfers