Send money abroad, the right way for each purpose
University fees, GIC and blocked accounts, family support, gifts, medical treatment and emigration — we pick the right partner for your payment, check your documents and show every charge before you pay.
How it works with us
Aabhushan Forex & Jewels Private Limited is an RBI-licensed Full Fledged Money Changer. Money changers do not send money abroad themselves, so every transfer is carried out by one of our authorised remittance partners — RBL Bank Ltd, Thomas Cook (India) Limited, Prithvi Exchange (India) Limited, EbixCash World Money Limited — or, for university fees, by the payment platform your university uses. You pay the partner directly from your own bank account; the money never passes through us, and we charge you nothing for arranging it. Using a partner's service is voluntary.
What you can pay, and how
| Purpose | Paid through | Key documents |
|---|---|---|
| University or college fees | Flywire, Convera, CIBC International Student Pay, TransferMate, PayMyTuition, ICICI Bank UniFee, or a bank transfer through Prithvi Exchange (India) Limited or Thomas Cook (India) Limited — we confirm which before you pay | Fee invoice or admission letter, student passport, PAN |
| Student's living expenses | A bank transfer through Prithvi Exchange (India) Limited or Thomas Cook (India) Limited — we confirm which before you pay, or a student forex card through Prithvi Exchange (India) Limited (Thomas Cook forex card or ICICI Bank forex card) | Admission letter, passport, PAN |
| Students in Russia — fees or living costs in roubles | A bank transfer in RUB through Prithvi Exchange (India) Limited | Admission letter, student passport and visa, PAN |
| GIC (Canada) or blocked account (Germany) | Through your GIC bank's payment portal (such as CIBC) or by a bank transfer through Prithvi Exchange (India) Limited or Thomas Cook (India) Limited — we confirm which before you pay | GIC or blocked-account instruction letter, admission letter, passport |
| Supporting a close relative (maintenance) | RBL Bank Ltd or Thomas Cook (India) Limited — we confirm which before you pay | Proof of relationship, PAN, address proof |
| Gift to a close relative | RBL Bank Ltd | Proof of relationship, PAN, address proof |
| Medical treatment abroad | RBL Bank Ltd | Hospital's estimate or invitation, patient's passport |
| Emigration or immigration | A bank transfer through RBL Bank Ltd; for spending abroad, a forex card through Prithvi Exchange (India) Limited (Thomas Cook forex card or ICICI Bank forex card) | Passport, visa or PR approval, or the fee demand |
| Foreign currency demand draft | Issued through AD Category-II partner (Chennai) — for people emigrating or migrating who are told by the authorities to bring a foreign currency draft (AUD, CAD and others) to deposit into their new bank account abroad. Not for students. | PAN, passport, purpose proof, payee name and city |
The authorised partner or platform has the final say on documents and may ask for more.
For students: fees plus a forex card
Most students pay tuition through the university's chosen platform — Flywire, Convera, CIBC International Student Pay, TransferMate, PayMyTuition, ICICI Bank UniFee — or by bank transfer, and carry a student forex card for living costs, issued through AD Category-II partner (Chennai) (Multi-currency forex card (issued by an AD Category-II dealer) or Bank-issued multi-currency forex card). The card gets a better rate than notes, can be reloaded from home, and is blocked in seconds if lost. Fees from an education loan attract no TCS; fees from your own funds attract TCS only above the yearly threshold. See students abroad.
Know the total before sending
Your quote shows the exchange rate, the rupee amount, the bank's transfer charges (₹250 per transfer, plus ₹0 below USD 10,000, plus ₹1200 if you choose OUR — "I pay all charges"), GST and any TCS. Platforms such as Flywire, Convera, CIBC International Student Pay, TransferMate, PayMyTuition, ICICI Bank UniFee show their own rate and fee on their payment page. Correspondent banks can deduct fees along the way — choose "all charges paid by sender" when the full amount must arrive, such as university fees.
Check the recipient name, account number or IBAN, SWIFT code and purpose carefully. An error can delay or return a transfer.
How a request moves forward
- Book online — choose the purpose, country and amount, and see the full cost.
- Upload documents — PAN, address proof, bank statement and purpose proof, from your phone. They are checked as you upload.
- Add the receiver — name, account number or IBAN, SWIFT code (or the platform's payment reference).
- Pay the bank — once we verify your documents, pay online by UPI, net banking or NEFT straight to the authorised partner from your own account, and sign the LRS form (Form A2).
- Money sent — the bank sends the transfer and we share the SWIFT copy or payment receipt.
Send money by country
US dollarsSend money to the UK
British poundsSend money to Canada
Canadian dollarsSend money to Australia
Australian dollarsSend money to the UAE
UAE dirhamsSend money to Germany
eurosSend money to New Zealand
New Zealand dollarsSend money to Singapore
Singapore dollars
Students: pay a university fee · fund a Canadian GIC · fund a German blocked account.
Our partners
Remittance partners
- Our AD Category-I bank partner
- AD Category-II partner (Mumbai)
- AD Category-II partner (Chennai)
- AD Category-II partner
Forex cards — leisure & business travel
- Aabhushan Forex & Jewels Pvt Ltd (GoRemit)
Forex cards — students and other purposes
- AD Category-II partner (Chennai)
- Multi-currency forex card (issued by an AD Category-II dealer)
- Bank-issued multi-currency forex card
Demand drafts
- AD Category-II partner (Chennai)
Our bankers — company accounts
- HDFC Bank
- ICICI Bank
- IDFC FIRST Bank
- Kotak Mahindra Bank
- Our AD Category-I bank partner
- SBM Bank India
- YES Bank
Currency partner banks
- HDFC Bank
- ICICI Bank
- YES Bank
- SBM Bank India
University fee payments
- Flywire
- Convera
CIBC International Student Pay- TransferMate
- PayMyTuition
- ICICI Bank UniFee
Common questions
Do you charge a fee for arranging a transfer?
No. You pay only the authorised partner or platform charges, GST and any TCS, all shown before you pay. We receive a referral fee from the partner.
Which partner will handle my transfer?
It depends on the purpose. Student payments: Prithvi Exchange (India) Limited or Thomas Cook (India) Limited — we confirm which before you pay, or a student forex card through Prithvi Exchange (India) Limited (Thomas Cook forex card or ICICI Bank forex card). Family maintenance: RBL Bank Ltd or Thomas Cook (India) Limited — we confirm which before you pay. Gifts: RBL Bank Ltd. Demand drafts: AD Category-II partner (Chennai). We confirm the partner on your order before you pay.
Can I get a foreign currency demand draft?
Yes — if you are emigrating or migrating and have been asked to bring a foreign currency draft. You carry it with you, deposit it at a bank abroad and the money goes into your new account. Students do not need a draft — fees go by bank transfer. It is issued through AD Category-II partner (Chennai); share the payee name and city, and we confirm the charges first.
Can I pay a GIC or a German blocked account?
Yes. Share the instruction letter from the GIC bank or blocked-account provider; we arrange the payment through the bank portal or a bank transfer.
How long does a transfer take?
Documents handed to the bank branch before 2 pm are processed the same working day, and the SWIFT copy is shared the next working day. Credit to the beneficiary then depends on the receiving bank.
What about tax collected at source?
TCS depends on the purpose, the amount and your LRS remittances earlier in the financial year. It is shown in your quote before you pay, appears in your annual tax statement, and can be claimed against your income tax.
Is there a limit?
Resident individuals can remit up to USD 2,50,000 per financial year under LRS, across all banks and money changers combined.
“I’m incredibly grateful to the payment team for their seamless assistance in transferring funds from India to the US for my tuition fees and personal expenses… They ensured the transfer was smooth, secure, and on time.”
“Extremely easy transaction done with this forex service. Prakash bhai and his team is extremely helpful. They gave us proper advice on the prepaid currency card.”
Quoted from our Google reviews. Read all reviews on Google
Get in touch
Call +91 83569 24029, message us on WhatsApp, send a quote request, or ask us to call you back. Please don't share PAN, passport or bank details in an open message.