Send money from India to Japan
Transfer Indian Rupees to Japanese Yen without the bank markup. X Rate Capital prices INR→JPY off the live interbank market, settles same-day on Japanese business days over Zengin, and puts a named specialist on every transfer.
Sending the other way? Send money from Japan to India.
More routes: India transfers · Japan transfers
What people use us for in Japan
Buying property in Japan
Deposits, staged payments and completion on a Japanese purchase — rate locked when you commit, funds landing over Zengin on the day they're due.
Relocating to Japan
Move savings, salary and pension income from India without losing 3–4% to your bank each time. Money leaving India runs under the RBI's Liberalised Remittance Scheme, which caps individual outbound remittances at USD 250,000 per financial year and applies TCS above certain thresholds.
Family & living costs
Regular or one-off support for family in Japan, settling same-day on Japanese business days, with scheduled transfers and a full audit trail.
Paying Japanese suppliers
Pay suppliers, contractors or staff in Japanese Yen with batch payments, forward cover on your margin, and transparent INR/JPY pricing.
Where the savings actually come from.
A high-street bank pricing INR/JPY builds its margin into the rate before any fee appears on the statement. We quote against the live mid-market and settle over Zengin, so what you compare is the rate itself.
- Exchange rateMid-market plus a transparent marginWide spread, often hidden
- Settlement speedSame-day to T+2 typical3 to 5 business days
- Account managerNamed human, by phoneBranch queue or call centre
- Forwards / hedgingUp to 24 months, structuredLimited or unavailable
- Mass paymentsBulk batches, multi-currencyOne-by-one entry
- Crypto on/off rampRegulated, OTC deskNot supported
- Multi-currency holding65+ currencies, no forced conversionLimited
- ReportingAudit-grade, on demandStatements only
Built for the people who move money.
Most India-to-Japan transfers we handle are property, business investment, study, and income following long-term residents — so the desk already knows the paperwork, the cut-offs and where this route usually stalls.
Global payments
Send and receive payments to over 190 countries effortlessly, with competitive rates and guaranteed reliability.
Local currency accounts
Manage 65+ currencies in one account, making global transactions simple and hassle-free.
Fast & secure
Move money quickly and securely with advanced encryption, ensuring every transaction is seamless.
Three steps to seamless global transfers.
Set-up takes minutes. Once you are approved, INR/JPY transfers settle same-day on Japanese business days, with a named dealer for anything time-sensitive.
Open your account
Sign up and verify your identity once. We will ask what you are moving and roughly how often, so the desk can set up your India funding and your Japan beneficiary before the first trade.
Fund over NEFT, RTGS or IMPS
Send Indian Rupees to your account using NEFT, RTGS or IMPS. Money leaving India runs under the RBI's Liberalised Remittance Scheme, which caps individual outbound remittances at USD 250,000 per financial year and applies TCS above certain thresholds.
Settle into Japan
We book INR/JPY at the live rate and pay out over Zengin — same-day on Japanese business days. Yen settles over the Zengin network on Japanese business days.
Frequently asked questions
How long does a transfer from India to Japan take?+
Funds reach the beneficiary over Zengin, typically same-day on Japanese business days once your money has cleared with us and the beneficiary is verified. Yen settles over the Zengin network on Japanese business days. Receiving banks ask for the beneficiary name in katakana to match the account exactly, so a mismatch is the usual cause of a delay. Your named specialist confirms exact timing before you book.
What do I need to know about sending money out of India?+
Money leaving India runs under the RBI's Liberalised Remittance Scheme, which caps individual outbound remittances at USD 250,000 per financial year and applies TCS above certain thresholds. On the receiving side: Yen settles over the Zengin network on Japanese business days. Receiving banks ask for the beneficiary name in katakana to match the account exactly, so a mismatch is the usual cause of a delay.
How do I get the best INR/JPY exchange rate?+
High-street banks typically build 2–4% into the INR/JPY rate they quote, and the cost is inside the rate rather than shown as a fee. X Rate Capital prices off live interbank with a small margin disclosed before you confirm. Use the calculator above for an indicative rate, then speak to the desk for a live quote.
Can I fix today's INR/JPY rate for a future payment?+
Yes. A forward contract locks the current INR/JPY rate for a payment up to 24 months ahead — useful when property means committing to a figure now and paying later. Ask your specialist about forwards when you request a quote.
Are there fees to send INR to JPY?+
No account or monthly fees. We earn a small, transparent margin on the exchange rate, disclosed before you confirm the trade — so the amount on your confirmation is the amount that arrives. Compare that with a bank quote, where the margin sits inside the rate and a wire fee sits on top.
Is X Rate Capital regulated?+
Yes. Payment services are delivered through FCA-authorised partners — Sciopay Ltd (FRN 927951) and Equals Connect Limited (FRN 671508). Client funds are safeguarded in segregated accounts with tier-1 UK banks.
Get a quote
Tell us what you're moving and a specialist will come back with a live rate and next steps — usually within one business hour.