Send money abroad to your relatives or friends for education, business, travel, or any other purpose at ease.

Need to Send Money Abroad from Punjab? Here's your Guide!

Whether you support loved ones overseas, pay for international studies, or manage business expenses globally, sending money abroad can seem complex. But fret no more! This comprehensive guide covers everything you need about International Money Transfer from Punjab.

Ready to send money abroad from Punjab with confidence? Dive into this resource and find the perfect solution for your needs!

Reasons to Send Money Abroad from Punjab

The Reserve Bank of India (RBI) authorizes money transfers abroad for various legitimate reasons. These can be broadly categorized into current accountand capital account transactions. Here's a breakdown:

Current Account Transactions (LRS Scheme):

    Permitted under Liberalised Remittance Scheme (LRS) with an annual limit of USD 2,50,000:
  • Private visits: Travel, tourism, and personal expenses abroad (except Nepal and Bhutan).
  • Gifts and Donations: Up to USD 150,000 annually to close relatives abroad.
  • Maintenance of close relatives: Supporting parents, spouse, children, siblings, etc. residing abroad.
  • Education: Studying abroad at universities, colleges, or for specialized training programs.
  • Medical treatment: Expenses for medical treatment abroad for self or close relatives.
  • Business travel: Attending conferences, training, or meeting business expenses abroad.

Capital Account Transactions (Specific Approvals Needed):

    Requires specific permission from the RBI or authorized dealers:
  • Investments: Investing in foreign companies or real estate.
  • Gifts and donations: Beyond the LRS limit of USD 150,000.
  • Emigration: Sending funds upon permanent relocation abroad.
  • Business investments: Setting up or expanding a business overseas.
  • Inheritance: Receiving inheritance from abroad.

Why Choose Unimoni for International Money Transfer from Punjab?

Unimoni is listed on the RBI's website as an Authorized Dealer Category II (AD II) license holder, which allows them to offer money transfer services. They have been for the last two decades. We ensure transparency at every step of your Forex transactions. We provide an efficient online remittance service that allows you to send money from Punjab to anywhere in the world safely and quickly from the comfort of your home.


Satisfied Clients

4 Million Customers


Billion Transactions

Billion Money Transferred


Transaction Every Year

Processing Transaction Every Year


Industial Experience

23 + Years In Industry

Steps to follow for easy Outward Remittance from Punjab

Transferring money abroad from Punjab with Unimoni is easy! Just visit any Unimoni branch (find yours with the branch locator) and bring your ID, address proof, and recipient details. Pay the fees, and Unimoni takes care of the rest. Your recipient will receive the funds within days.

For Punjab residents, sending money abroad from Punjab through Unimoni is equally effortless:

  1. 1. Head to any Unimoni branch.
  2. 2. Present your ID and proof of address.
  3. 3. Provide the recipient's name, address, residence proof, and bank details.
  4. 4. Pay the amount and the required fees.
  5. 5. Done! Unimoni will handle the transfer; your recipient will receive the money soon!

Need to Swift transfer from Punjab? Unimoni has you covered!

Get speedy, hassle-free transfers with competitive rates and minimal fees while transferring money abroad from Punjab. Avoid heavy charges and confusing exchanges – Unimoni offers you transparency and affordability. Choose your convenience: send money abroad online or in person. With a trusted track record and excellent customer service, Unimoni ensures a smooth international money transfer experience from Punjab.

You can reach us for free by calling their toll-free number, 1800 102 0555, and get detailed information about their products and services. You can send an email to or WhatsApp on 918129706242,

call their mobile number, +918129702598, for more personalized assistance.

Make smart choices for your international transfers. Go with Unimoni!


Dedicated services such as Unimoni typically provide faster transfers and competitive rates for international money transfers than significant banks. Although banks offer international money transfer services, they may charge high fees and exchange rates. Unimoni also provides mobile wallet services through the "Unimoni India App", which allows international transfers. However, it is important to note that there may be limitations on the amount and destination of these transfers.

Firstly, you should compare transfer fees, hidden charges, and exchange rate markups to ensure you get the best deal. It's also important to know any limits on the maximum transfer amount per transaction. Finally, it would help if you chose a reputable provider with secure transaction processes to ensure the safety of your money. Remember, Unimoni is an RBI-authorized Money Transfer Operator (MTO) that offers a competitive rate and robust security measures.

The Reserve Bank of India (RBI) allows residents to send up to USD 250,000 per year under the Liberalised Remittance Scheme. Specific limits may vary depending on the provider and the purpose of the transfer.

High fees and less competitive rates are significant drawbacks of using banks for international money transfers. Banks often charge fixed fees per transaction, which can be substantial for smaller transfers. Banks typically apply markups to the mid-market exchange rate, meaning you receive less foreign currency for your money.

It's easier to manage your budget with services that show you all the fees and the exchange rate upfront. Most of these services charge flat fees, usually lower than bank fees, especially for smaller transfers. Depending on the service provider and recipient location, you can choose from various options, such as bank deposits, cash pickups, mobile wallet transfers, or home deliveries.

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