Corridor CAD → INR · Canadian dollar to Indian rupee
What does it cost to send Canadian dollars to India?
On 16 October 2026, the most a recipient in India got for 1,000 CAD was 66,835.73 INR via Western Union: a true cost of 3.06 CAD (0.31%) including fee and rate markup. The last of 8 quotes cost 4.60%.
Transfer cost receipt · CAD → INR
Most to the recipient: Western Union transfer service
- You send
- 1,000.00 CAD
- Upfront fee
- 0.00 CAD
- Amount converted
- 1,000.00 CAD
- Rate given
- 66.8357
- Mid-market when quoted
- 67.0412
- Exchange-rate markup inside the rate
- 3.06 CAD 0.31%
- True total cost
- 3.06 CAD 0.31%
- Recipient gets
- 66,835.73 INR
Picking the last quote in this ledger (OFX) instead would leave the recipient 2,880.48 INR short.
Snapshot indicative quotes retrieved 16 Oct 2026, 17:03 UTC. Quote collected 16 Oct 2026, 16:30 UTC. Source: Wise public comparison data.
Plain link to the provider's official site. No commission.
Every quote for 1,000 CAD → INR
Sorted by what the recipient gets. “True cost” adds the upfront fee to the money lost in the exchange rate versus the mid-market rate at the time each quote was collected.
| Provider | Upfront fee | Rate markup | True cost | Cost % | Recipient gets | vs best |
|---|---|---|---|---|---|---|
| 1. Western Unionservice | 0.00 CAD | 0.31% | 3.06 CAD | 0.31% | 66,835.73 INR | best |
| 2. Remitlyservice | 0.00 CAD | 0.46% | 4.61 CAD | 0.46% | 66,732.03 INR | −103.70 INR |
| 3. Instaremservice | 0.00 CAD | 0.52% | 5.24 CAD | 0.52% | 66,690.04 INR | −145.69 INR |
| 4. Wiseservice | 7.78 CAD | 0.00% | 7.78 CAD | 0.78% | 66,550.08 INR | −285.65 INR |
| 5. Xoomservice | 0.00 CAD | 0.97% | 9.66 CAD | 0.97% | 66,393.81 INR | −441.92 INR |
| 6. Royal Bank of Canadabank | 0.00 CAD | 3.18% | 31.82 CAD | 3.18% | 64,907.86 INR | −1,927.87 INR |
| 7. TD Bankbank | 0.00 CAD | 3.34% | 33.39 CAD | 3.34% | 64,802.64 INR | −2,033.09 INR |
| 8. OFXservice | 15.00 CAD | 3.15% | 46.03 CAD | 4.60% | 63,955.25 INR | −2,880.48 INR |
| Set aside, not ranked (1): see methodology | ||||||
| BMOcollected 72 h before retrieval | 0.00 CAD | 2.64% | — | — | 65,269.62 INR | — |
Does the cheapest option change with the amount?
| You send | Most to recipient | Best cost | Worst cost | Recipient gets (best) | Gap best vs worst | Quotes |
|---|---|---|---|---|---|---|
| 200 CAD | Instarem | 0.60% | 3.34% | 13,327.28 INR | 366.75 INR | 7 |
| 1,000 CAD | Western Union | 0.31% | 4.60% | 66,835.73 INR | 2,880.48 INR | 8 |
| 5,000 CAD | Western Union | 0.31% | 3.44% | 334,178.65 INR | 10,506.66 INR | 6 |
What the CAD → INR numbers show
- The provider that delivers the most changes with the amount: Instarem at 200.00 CAD, Western Union at 1,000.00 CAD, Western Union at 5,000.00 CAD. Fixed fees weigh heavily on small transfers; rate margins dominate large ones.
- At 200.00 CAD, true cost ranged from 0.60% (Instarem) to 3.34% (TD Bank); the recipient would get 366.75 INR less with the last quote than with the first.
- Banks listed for this corridor averaged 3.26% in true cost at 1,000.00 CAD, against 1.27% for non-bank transfer services; on average 100% of the banks' cost sat inside the exchange rate rather than in a stated fee.
- 4 of 8 quotes at 1,000.00 CAD charged no upfront fee but priced in a rate markup above 0.5%, so “no fee” did not mean free.
How does the quoted mid-market rate compare with the ECB reference?
The European Central Bank reference rate for CAD/INR on 16 October 2026 was 67.0600. The mid-market rate implied by the top quote at its collection time was 67.0412, a difference of −0.03%. ECB rates are published once per working day around 16:00 CET, so they drift from live market rates during the day; RateRunner uses them only as a cross-check, never to rank providers.
Every quote for 200 CAD → INR
| Provider | Upfront fee | Rate markup | True cost | Cost % | Recipient gets | vs best |
|---|---|---|---|---|---|---|
| 1. Instaremservice | 0.00 CAD | 0.60% | 1.21 CAD | 0.60% | 13,327.28 INR | best |
| 2. Xoomservice | 0.00 CAD | 1.28% | 2.57 CAD | 1.28% | 13,236.21 INR | −91.07 INR |
| 3. Western Unionservice | 1.99 CAD | 0.31% | 2.60 CAD | 1.30% | 13,234.14 INR | −93.14 INR |
| 4. Remitlyservice | 1.99 CAD | 0.46% | 2.90 CAD | 1.45% | 13,213.61 INR | −113.67 INR |
| 5. Wiseservice | 3.17 CAD | 0.00% | 3.17 CAD | 1.58% | 13,199.44 INR | −127.84 INR |
| 6. Royal Bank of Canadabank | 0.00 CAD | 3.18% | 6.36 CAD | 3.18% | 12,981.57 INR | −345.71 INR |
| 7. TD Bankbank | 0.00 CAD | 3.34% | 6.68 CAD | 3.34% | 12,960.53 INR | −366.75 INR |
| Set aside, not ranked (2): see methodology | ||||||
| WorldRemitcollected 71 h before retrieval | 0.00 CAD | −1.65% | — | — | 13,629.37 INR | — |
| BMOcollected 72 h before retrieval | 0.00 CAD | 2.64% | — | — | 13,053.92 INR | — |
Every quote for 5,000 CAD → INR
| Provider | Upfront fee | Rate markup | True cost | Cost % | Recipient gets | vs best |
|---|---|---|---|---|---|---|
| 1. Western Unionservice | 0.00 CAD | 0.31% | 15.32 CAD | 0.31% | 334,178.65 INR | best |
| 2. Remitlyservice | 0.00 CAD | 0.37% | 18.59 CAD | 0.37% | 333,960.02 INR | −218.63 INR |
| 3. Wiseservice | 30.85 CAD | 0.00% | 30.85 CAD | 0.62% | 333,231.70 INR | −946.95 INR |
| 4. Xoomservice | 0.00 CAD | 0.84% | 41.84 CAD | 0.84% | 332,401.28 INR | −1,777.37 INR |
| 5. TD Bankbank | 0.00 CAD | 3.34% | 166.95 CAD | 3.34% | 324,013.19 INR | −10,165.46 INR |
| 6. OFXservice | 15.00 CAD | 3.15% | 172.04 CAD | 3.44% | 323,671.99 INR | −10,506.66 INR |
What to check before paying out in India
Deposits to Indian bank accounts need the account number and the branch IFSC code; inbound transfers are commonly credited over IMPS or NEFT. Non-resident Indians should check whether the receiving account is NRE or NRO, because the rules on repatriation and tax differ. Source: Reserve Bank of India: NEFT FAQs.
Read next
- How to send money to India without losing it in the rate
- What do banks really charge for an international transfer?
- What is the mid-market rate and where can you check it?
- How do exchange-rate markups work, and how big are they?
- Check the hidden markup on a rate you were offered
- How RateRunner calculates true cost
Questions people ask
- Which provider gave the most for 1,000 CAD sent to India?
- Western Union, with 66,835.73 INR delivered, in the snapshot retrieved 16 Oct 2026, 17:03 UTC. Its upfront fee was 0.00 CAD and its rate markup 0.31%.
- How much of the cost of sending CAD to INR is hidden in the exchange rate?
- For the 8 quotes on 1,000 CAD, rate markups ranged from 0.00% to 3.34% of the amount converted. 4 quotes charged no upfront fee but still had a markup above 0.5%.
- How current are these CAD to INR quotes?
- RateRunner retrieved them on 16 Oct 2026, 17:03 UTC. Each provider quote also carries its own collection time, shown in the tables, and quotes older than 24 hours are flagged. They are indicative; the price you are offered at checkout can differ.
Related corridors
Sources
- Indicative provider quotes: Wise public comparison data (retrieved 16 Oct 2026, 17:03 UTC). Wise collects quotes from listed banks and services and is itself listed.
- Reference rate: European Central Bank euro reference rates via Frankfurter (16 October 2026).
- Raw data for this page: cad-to-inr.json