---
title: Guide to INR Transfers from Aspire USD Account
description: What payment method is used for INR transfers? INR payments are sent locally via IMPS (up to INR 500,000) or NEFT (over INR 500,000, and for banks not connected to IMPS). What types of beneficiaries
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# Guide to INR Transfers from Aspire USD Account
**What payment method is used for INR transfers?**
INR payments are sent locally via IMPS (up to INR 500,000) or NEFT (over INR 500,000, and for banks not connected to IMPS).
**What types of beneficiaries can I transfer INR to?**
You can send INR payments to individual or business accounts in India.
**Is there a limit on the amount I can send?**
INR 1,500,000 per day to any particular beneficiary.
**How long does it take for the funds to reach the beneficiary?**
The transfer will typically arrive to your beneficiary within 1-2 business days. Do note that transfers are subjected to compliance checks.
**What will the sender's name be reflected as?**
Our payment partner, CurrencyCloud's local payout's name.
**What types of payments to India are restricted?**
The following payment types are restricted:
- Loan payments to businesses in India
- If your business is incorporated in India, you **cannot** make INR payments
- Payments to non-profit organizations, charities, and charitable funds/institutions in India (*you can send them as USD payments via SWIFT instead*)
- INR transfers to HDFC beneficiaries for trade-related transactions (*see table below*)
**What information should I include when sending INR transfers?**
When initiating the transfer in the app, Admin and Finance with transfer rights users will be asked to choose the purpose or reason for the transfer from a list of options:
**Note! \***We are unable to process INR transfers to HDFC beneficiaries for trade-related transactions.
| **Code** | **Trade Related\*** | **Transfer Purpose** | **Supported Beneficiary Type** |
| --- | --- | --- | --- |
| advertising | Yes | Advertising and public relations-related expenses**\*** | Individual Accounts and Company Accounts |
| advisor\_fees | Yes | Fees for advisory, technical, academic or specialist assistance**\*** | Individual Accounts and Company Accounts |
| construction | Yes | Construction costs/expenses**\*** | Individual Accounts and Company Accounts |
| delivery | No | Delivery fees for goods**\*** | Individual Accounts and Company Accounts |
| education | No | Education-related student expenses | Individual Accounts and Company Accounts |
| exports | Yes | Payments for exported goods**\*** | Individual Accounts and Company Accounts |
| family | No | Family maintenance | Individual Accounts and Company Accounts |
| fund\_investment | No | Mutual fund investment | Individual Accounts and Company Accounts |
| goods | Yes | Trade settlement for goods and general goods trades**\*** | Individual Accounts and Company Accounts |
| hotel | No | Hotel accommodation | Individual Accounts and Company Accounts |
| insurance\_premium | No | Insurance premium | Company Accounts Only |
| loan\_repayment | No | Repayment of loans | Individual Accounts and Company Accounts |
| medical | No | Medical treatment and expenses | Individual Accounts and Company Accounts |
| other\_fees | Yes | Broker, front end, commitment, guarantee and custodian fees**\*** | Individual Accounts and Company Accounts |
| property\_purchase | No | Purchase of residential property | Individual Accounts and Company Accounts |
| property\_rental | No | Payment of Property Rental | Individual Accounts and Company Accounts |
| royalties | Yes | Royalty, trademark, patent and copyright fees**\*** | Individual Accounts and Company Accounts |
| salary | Yes | Salary | Individual Accounts Only |
| services | Yes | Information service charges**\*** | Individual Accounts and Company Accounts |
| share\_investment | No | Investment in Shares | Individual Accounts and Company Accounts |
| tax | No | Tax payment | Individual Accounts and Company Accounts |
| transfer | No | Transfer to own account | Individual Accounts and Company Accounts |
| travel | No | Travel | Individual Accounts and Company Accounts |
| utilities | No | Utility bills | Individual Accounts and Company Accounts |
**\****If you choose these options, you will be asked to indicate the invoice number and date of the invoice.*
**How to obtain a Foreign Inward Remittance Certificate (FIRC)?**
If your recipient in India is required to obtain a **Foreign Inward Remittance Certificate** (FIRC), please follow the steps below:
1. [**Reach out to us**](https://support.aspireapp.com/faq/kb-tickets/new?hsLang=en) to get the Unique Transaction Reference (UTR) number and the local payout bank details for your transfer. We will require **5 business days** to get this information for you.
2. After receiving the information from Aspire, please forward it to your recipient who will be required to contact the local payout bank and request for a Credit Advice. **Please note that the Credit Advice is not free of charge.**
3. Once the Credit Advice is received, the recipient is required to submit it to their own bank and obtain an e-FIRC.
**Questions?** Please log in to the app and reach out in the chat at the bottom right corner of the screen.
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