Best companies for INR/PKR transfers
3 of 3 providers Last updated on 28 October 2026
Based on 22,100 INR transfer Best companies for INR/PKR transfers Sort Cheapest
Promoted Wise Pay via Bank transfer	Fee ₹704.92 1 INR = 2.9071 PKR +0.14% vs mid-market	Recipient gets Rs 62,198.06 Same day
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Pakistan with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer ₹704.921 INR = 2.9071 PKR Rs 62,198.06You pay₹22,100.00
Run a live search Showing top India to Pakistan 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 PKR rates.
Run a live search These companies offer multi-currency accounts for spending PKR. We suggest doing a live search based on how much INR you're planning to spend in Pakistan.
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 ₹704.92 1 INR = 2.9071 PKR +0.14% vs mid-market	Recipient gets Rs 62,198.06 Same day
25 reviews CheapestFastestRecommended Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Pakistan with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer ₹704.921 INR = 2.9071 PKR Rs 62,198.06You pay₹22,100.00
Send cash via a MoneyGram agent MoneyGram Agent Pay via Bank transfer	Fee ₹884.00 1 INR = 2.7365 PKR +6.00% vs mid-market	Recipient gets Rs 58,058.36 Minutes - 3 days
0 reviews
Ways to receive money in Pakistan with MoneyGram Agent when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 3 days ₹884.001 INR = 2.7365 PKR Rs 58,058.36You pay₹22,100.00
Send cash via a Western Union agent Western Union Agent Pay via Bank transfer	Fee ₹663.00 1 INR = 2.7074 PKR +7.00% vs mid-market	Recipient gets Rs 58,039.06 Minutes - 5 days
0 reviews
Ways to receive money in Pakistan with Western Union Agent when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 5 days ₹663.001 INR = 2.7074 PKR Rs 58,039.06You pay₹22,100.00
How Our Results Work Mid-market rate: 1 INR = 2.9112 PKR Updates every 60 minutes.

Why compare

INR/PKR exchange rate

Best ways to pay & receive

Transfer speed

How to send money from India to Pakistan

Pick a company

For a one-off INR transfer to Pakistan, 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 Pakistan.

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

The best option will change depending on how much you actually send, so I suggest to get the best INR/PKR 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 Pakistan?

How much INR you send to Pakistan 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 65% of all the transfers it quoted over the past month.


₹22,100This page	0.14%	₹704.92	Rs 62,198.06with bank transfer to bank deposit	+Rs 2,766.23
₹50,000		₹1,087.40	Rs 1,42,263.76with bank transfer to bank deposit	Rs 0.00
₹1,00,000	0.17%	₹1,772.87	Rs 2,85,677.89with bank transfer to bank deposit	Rs 0.00
₹2,00,000	0.17%	₹3,143.84	Rs 5,72,252.98with bank transfer to bank deposit	Rs 0.00
₹5,00,000	0.19%	₹7,256.63	Rs 14,33,139.16with bank transfer to bank deposit	Rs 0.00
₹6,00,000	0.27%	₹0.00	Rs 17,42,370.06with bank transfer to bank deposit	+Rs 11,545.41
₹10,00,000	0.27%	₹0.00	Rs 29,06,457.32with bank transfer to bank deposit	+Rs 19,090.93

Mid-market rate: 1 INR = 2.9112 PKR

INR/PKR Exchange Rate History

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

The cheapest way to send INR to PKR 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 Pakistan.

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 PKR 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 PKR on every transfer from India.

Right now, Wise pays 62,198.06 PKR on 22,100 INR, which is 2,139.66 PKR less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 62,573.33 PKR.

If you can wait and want to get the most out of your transfer, create a rate alert and we'll let you know when the rate improves.

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 Pakistan.

We've tracked 168 comparisons to check how often today's top companies were the cheapest across 7 amounts over the past month.

WiseAppeared in 168 comparisons
Cheapest in 65% of them
MoneyGram AgentAppeared in 29 comparisons
Never the cheapest
Western Union AgentAppeared in 29 comparisons
Never the cheapest

Based on 168 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 PKR, and it was also the cheapest in 65% of the 168 comparisons it appeared in over the past month.

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

Ways to send money from India to Pakistan

You have 3 options to send money to Pakistan from India.

Easiest way to send INR

Online transfers

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

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

Wise charges 704.92 INR in fees to send ₹22,100, which will get your recipient around 62,198.06 PKR.

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 PKR 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 PKR and INR banking details to receive payments.

Useful if you’re studying in Pakistan, travelling there often, or getting paid in PKR.

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 Pakistan, invoices, and more.

Ways to fund INR and receive PKR in Pakistan

With Wise, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending ₹22,100 gives your recipient 62,198.06 PKR.

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 Pakistan 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 Pakistan, your recipient can receive PKR by bank deposit.

1

Bank transfer Bank deposit

You pay ₹22,100.00

Rs62,198

Cheapest

Consider this before sending INR to Pakistan

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

Compare INR/PKR transfer options

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

The cheapest option is Wise, funded by bank transfer with bank deposit for the payout. Your recipient gets 62,198.06 PKR, which is 6.66% more than the next best option.
The fastest option is Wise, funded by bank transfer with bank deposit in Pakistan. Your recipient gets 62,198.06 PKR in next day.

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 PKR to Pakistan.

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

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 3 of them on INR to Pakistan, 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 168 comparisons across 7 amounts.

This page covers the cheapest and fastest options for INR/PKR 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 Pakistan

Tue, 29 Sept, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	2.8845	–	Rs 63,748.56
Wise Cheapest	2.8847	₹705.31	Rs 61,718.33	−Rs 2,030.22
MoneyGram Agent	2.7115	₹884.00	Rs 57,526.70	−Rs 6,221.86
Western Union Agent	2.6826	₹663.00	Rs 57,507.57	−Rs 6,240.99

Wed, 30 Sept, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	2.8831	–	Rs 63,716.55
Wise Cheapest	2.8870	₹705.27	Rs 61,767.01	−Rs 1,949.54
MoneyGram Agent	2.7101	₹884.00	Rs 57,497.82	−Rs 6,218.73
Western Union Agent	2.6813	₹663.00	Rs 57,478.70	−Rs 6,237.85

Thu, 1 Oct, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	2.8861	–	Rs 63,783.65
Wise Cheapest	2.8865	₹705.28	Rs 61,755.86	−Rs 2,027.79
MoneyGram Agent	2.7130	₹884.00	Rs 57,558.37	−Rs 6,225.28
Western Union Agent	2.6841	₹663.00	Rs 57,539.23	−Rs 6,244.42

Fri, 2 Oct, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	2.8781	–	Rs 63,606.03
Wise Cheapest	2.8767	₹705.45	Rs 61,546.13	−Rs 2,059.90
MoneyGram Agent	2.7054	₹884.00	Rs 57,398.08	−Rs 6,207.95
Western Union Agent	2.6766	₹663.00	Rs 57,379.00	−Rs 6,227.03

Sat, 3 Oct, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	2.8774	–	Rs 63,590.34
Wise Cheapest	2.8817	₹705.36	Rs 61,652.72	−Rs 1,937.62
MoneyGram Agent	2.7047	₹884.00	Rs 57,383.92	−Rs 6,206.42
Western Union Agent	2.6760	₹663.00	Rs 57,364.85	−Rs 6,225.49

Sun, 4 Oct, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	2.8691	–	Rs 63,406.80
Wise Cheapest	2.8817	₹705.36	Rs 61,652.72	−Rs 1,754.08
MoneyGram Agent	2.6969	₹884.00	Rs 57,218.30	−Rs 6,188.50
Western Union Agent	2.6682	₹663.00	Rs 57,199.27	−Rs 6,207.53

Mon, 5 Oct, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	2.8756	–	Rs 63,549.85
Wise Cheapest	2.8778	₹705.43	Rs 61,570.15	−Rs 1,979.70
MoneyGram Agent	2.7030	₹884.00	Rs 57,347.39	−Rs 6,202.46
Western Union Agent	2.6743	₹663.00	Rs 57,328.32	−Rs 6,221.53

Tue, 6 Oct, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	2.8664	–	Rs 63,346.80
Wise Cheapest	2.8726	₹705.52	Rs 61,457.14	−Rs 1,889.66
MoneyGram Agent	2.6944	₹884.00	Rs 57,164.15	−Rs 6,182.65
Western Union Agent	2.6657	₹663.00	Rs 57,145.15	−Rs 6,201.65

Wed, 7 Oct, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	2.8665	–	Rs 63,349.52
Wise Cheapest	2.8679	₹705.60	Rs 61,356.79	−Rs 1,992.73
MoneyGram Agent	2.6945	₹884.00	Rs 57,166.60	−Rs 6,182.92
Western Union Agent	2.6658	₹663.00	Rs 57,147.60	−Rs 6,201.92

Thu, 8 Oct, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	2.8606	–	Rs 63,220.03
Wise Cheapest	2.8628	₹705.70	Rs 61,247.82	−Rs 1,972.21
MoneyGram Agent	2.6890	₹884.00	Rs 57,049.76	−Rs 6,170.27
Western Union Agent	2.6604	₹663.00	Rs 57,030.79	−Rs 6,189.24

Fri, 9 Oct, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	2.8588	–	Rs 63,179.44
Wise Cheapest	2.8681	₹705.60	Rs 61,361.49	−Rs 1,817.95
MoneyGram Agent	2.6873	₹884.00	Rs 57,013.12	−Rs 6,166.32
Western Union Agent	2.6587	₹663.00	Rs 56,994.17	−Rs 6,185.27

Sat, 10 Oct, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	2.8616	–	Rs 63,240.98
Wise Cheapest	2.8765	₹705.45	Rs 61,542.28	−Rs 1,698.70
MoneyGram Agent	2.6899	₹884.00	Rs 57,068.66	−Rs 6,172.32
Western Union Agent	2.6613	₹663.00	Rs 57,049.69	−Rs 6,191.29

Mon, 12 Oct, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	2.8909	–	Rs 63,887.81
Wise Cheapest	2.8932	₹705.16	Rs 61,899.55	−Rs 1,988.26
MoneyGram Agent	2.7174	₹884.00	Rs 57,652.36	−Rs 6,235.45
Western Union Agent	2.6885	₹663.00	Rs 57,633.19	−Rs 6,254.62

Tue, 13 Oct, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	2.9144	–	Rs 64,409.35
Wise Cheapest	2.9076	₹704.91	Rs 62,208.15	−Rs 2,201.19
MoneyGram Agent	2.7396	₹884.00	Rs 58,122.99	−Rs 6,286.36
Western Union Agent	2.7104	₹663.00	Rs 58,103.67	−Rs 6,305.68

Wed, 14 Oct, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	2.9116	–	Rs 64,345.54
Wise Cheapest	2.9183	₹704.73	Rs 62,438.03	−Rs 1,907.51
MoneyGram Agent	2.7369	₹884.00	Rs 58,065.42	−Rs 6,280.12
Western Union Agent	2.7078	₹663.00	Rs 58,046.11	−Rs 6,299.43

Thu, 15 Oct, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	2.9135	–	Rs 64,389.04
Wise Cheapest	2.9131	₹704.83	Rs 62,325.20	−Rs 2,063.84
MoneyGram Agent	2.7387	₹884.00	Rs 58,104.67	−Rs 6,284.37
Western Union Agent	2.7096	₹663.00	Rs 58,085.35	−Rs 6,303.69

Fri, 16 Oct, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	2.9166	–	Rs 64,456.06
Wise Cheapest	2.9173	₹704.75	Rs 62,416.58	−Rs 2,039.48
MoneyGram Agent	2.7416	₹884.00	Rs 58,165.15	−Rs 6,290.91
Western Union Agent	2.7124	₹663.00	Rs 58,145.82	−Rs 6,310.24

Sat, 17 Oct, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	2.9193	–	Rs 64,517.61
Wise Cheapest	2.9139	₹704.81	Rs 62,344.09	−Rs 2,173.52
MoneyGram Agent	2.7442	₹884.00	Rs 58,220.69	−Rs 6,296.92
Western Union Agent	2.7150	₹663.00	Rs 58,201.34	−Rs 6,316.27

Mon, 19 Oct, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	2.9282	–	Rs 64,713.86
Wise Cheapest	2.9204	₹704.70	Rs 62,483.26	−Rs 2,230.60
MoneyGram Agent	2.7525	₹884.00	Rs 58,397.79	−Rs 6,316.07
Western Union Agent	2.7233	₹663.00	Rs 58,378.37	−Rs 6,335.49

Tue, 20 Oct, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	2.9156	–	Rs 64,434.58
Wise Cheapest	2.9135	₹704.82	Rs 62,334.00	−Rs 2,100.58
MoneyGram Agent	2.7407	₹884.00	Rs 58,145.77	−Rs 6,288.81
Western Union Agent	2.7115	₹663.00	Rs 58,126.44	−Rs 6,308.14

Wed, 21 Oct, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	2.9168	–	Rs 64,461.24
Wise Cheapest	2.9229	₹704.66	Rs 62,536.87	−Rs 1,924.37
MoneyGram Agent	2.7418	₹884.00	Rs 58,169.82	−Rs 6,291.42
Western Union Agent	2.7126	₹663.00	Rs 58,150.48	−Rs 6,310.76

Thu, 22 Oct, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	2.9247	–	Rs 64,636.58
Wise Cheapest	2.9246	₹704.63	Rs 62,573.33	−Rs 2,063.25
MoneyGram Agent	2.7492	₹884.00	Rs 58,328.05	−Rs 6,308.53
Western Union Agent	2.7200	₹663.00	Rs 58,308.66	−Rs 6,327.92

Fri, 23 Oct, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	2.9139	–	Rs 64,397.63
Wise Cheapest	2.9162	₹704.77	Rs 62,392.56	−Rs 2,005.07
MoneyGram Agent	2.7391	₹884.00	Rs 58,112.42	−Rs 6,285.21
Western Union Agent	2.7099	₹663.00	Rs 58,093.10	−Rs 6,304.53

Sat, 24 Oct, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	2.9125	–	Rs 64,365.94
Wise Cheapest	2.9145	₹704.80	Rs 62,356.52	−Rs 2,009.42
MoneyGram Agent	2.7377	₹884.00	Rs 58,083.82	−Rs 6,282.12
Western Union Agent	2.7086	₹663.00	Rs 58,064.52	−Rs 6,301.42

Mon, 26 Oct, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	2.9027	–	Rs 64,150.09
Wise Cheapest	2.9097	₹704.88	Rs 62,252.95	−Rs 1,897.14
MoneyGram Agent	2.7286	₹884.00	Rs 57,889.04	−Rs 6,261.05
Western Union Agent	2.6995	₹663.00	Rs 57,869.80	−Rs 6,280.29

How to send money to Pakistan from India with the best INR-PKR rate

Best companies for INR/PKR transfers