Indians who want to send money abroad have limited time left this financial year.
Under the Reserve Bank of India’s Liberalised Remittance Scheme (LRS), you can transfer money for purposes like foreign education, investing in global stocks, or buying property overseas.
But to fully use this year’s limit, you must complete your remittance before March 31, 2026.
How Much Money Can You Send?
Under the LRS, every Indian resident — including minors (with guardian approval) — can send up to $2,50,000 per financial year.
Here’s an important trick many people use:
Send $2.5 lakh before March 31
Send another $2.5 lakh after April 1
This way, you can legally transfer $5 lakh within a few days across two financial years.
Rupee Fall Means You Can Send More
The weakening of the Indian rupee has changed how much money you can send in rupee terms.
In March 2025: $2.5 lakh ≈ ₹2.15 crore (₹86 per $)
Now: $2.5 lakh ≈ ₹2.35 crore (₹94 per $)
This means you can send about ₹20 lakh more compared to last year for the same dollar limit.
Where Can You Use This Money?
Money sent under LRS can be used for:
Investing in US stocks
Buying property abroad
Paying for foreign education
Travel or other permitted expenses
A large portion of remittances today is going into global investments, especially stocks.
How to Invest in US Stocks from India
Investing internationally is now easier than ever.
You simply need to:
Open an international trading account
Complete KYC and LRS formalities
Transfer money from your Indian bank
Start investing in global companies
Brokerage platforms usually help with the entire process, making it smooth for beginners.
New Rule You Should Not Ignore
There is an important update from the RBI.
If you send money abroad but don’t use it, you must bring it back to India within 180 days.
This applies to:
Unused funds
Unspent foreign exchange
Money not reinvested
Failing to follow this rule could lead to compliance issues.
What You Should Do Now
If you are planning to invest or spend abroad, this is the right time to act.
Use your LRS limit before March 31 to maximize benefits.
Also, make sure you follow the new rules to avoid any trouble later.
