Choose a provider: Compare exchange rates & fees (Wise, Remitly, Xoom typically offer better rates than banks)

Verify your identity: Complete KYC requirements (varies by provider)

Enter recipient details: Include correct IFSC code & account number

Specify NRE account: Must be clearly marked as NRE

Select funding method: ACH (cheaper but slower) or wire transfer/debit card (faster but costlier)

Review & confirm: Double-check exchange rate & fees

Track transfer: Most services provide real-time tracking

Funds typically arrive in 1-3 business days depending on your chosen method.