Conflict · fee
NPR 240 vs NPR 300
NCHL and Everest’s FAQ: NPR 240 flat. Everest’s product table: NPR 300. This page prints both. Confirm in the app before you send.
Snapshot · 1 September 2026
How to send money from Nepal to India
Last verified 1 September 2026 NCHL NPI–UPI
The matching head on Google Nepal. Remittance companies cannot send money out of Nepal. The working rail is NCHL’s NPI linked to India’s UPI, launched 9 June 2026. eSewa wallet is not on the send list.
Nepal → India, NCHL sheet
INR 15,000 / txn · NPR 240Indian citizens with accounts at participating Nepal banks or connectIPS. Monthly cap INR 100,000.
Conflict · cap
INR 15,000 vs 10,000
NCHL: INR 15,000 per transaction. Everest product: INR 10,000 (≈ NPR 16,000) and INR 15,000 per day. Same rail, different published rows.
Who can send, on this sheet
| Direction | Limit |
|---|---|
| Nepal → India — Indian citizens at participating Nepal banks or connectIPS | INR 15,000 / txn · INR 100,000 / month |
| India → Nepal — Indian and Nepali citizens via participating India bank or TPAP apps | INR 200,000 / txn · no NCHL monthly cap |
One-time cross-border consent required on both sides. Purpose on Everest: family maintenance and savings (NRB purpose codes).
Participating in Nepal
Send and receive: Everest Bank, Global IME Bank, Machhapuchchhre Bank, Nabil Bank, Nepal SBI Bank, connectIPS.
Receive only: Himalayan Bank, NMB Bank.
Not on the send list: eSewa wallet; Khalti; IME Pay as the UPI send app.
Click-path (Everest example)
- Log in to the participating bank app or connectIPS.
- Give one-time cross-border consent.
- Fund transfer → cross-border. Enter the India UPI ID / VPA and full name.
- Amount in INR (Everest) or NPR (NCHL steps). Check the fee line.
- Authenticate with PIN or OTP.
India → Nepal, same page
UPI reverse uses the NCHL table above. Agent and bank products are a different family:
- IME India — RBI-licensed agents; KYC then cash at IME outlets in Nepal (about five minutes on their copy). IME Pay wallet payout is mentioned in their testimonials, not a dated fee table.
- Nepal SBI / SBI Express and RBI Indo-Nepal — account credit or cash via Prabhu. Walk-in cash cap INR 50,000, 12 times a year; account INR 200,000 per transaction. Fee ladders are on that page.
- Everest PNB In-Remit — account, cash on ID, or other-bank pay order. SCB VA / HDFC ECMS are trade collection, not family P2P.
Paytm / PhonePe: India TPAPs on NCHL’s “non-bank apps” line. This site does not confirm a named consumer app beyond that list.
Questions on this SERP
Can eSewa be used in India?
The eSewa wallet is a Nepal PSP (site 03). It is not on NCHL’s UPI send list. Do not treat it as UPI in India.
Can I send money from eSewa to India?
Not on this rail. Use participating bank mobile banking or connectIPS, and only if you are an Indian citizen with a Nepal account.
Can Nepali use UPI in India?
NCHL: Nepal→India send is for Indian citizens in Nepal. Nepali citizens receive India→Nepal; they do not get a general UPI wallet in India from this sheet.
Can we send money from India to Nepal through IME?
Yes — IME India agents (imeindia.com), not IME Remit sending from Kathmandu.
Does eSewa work in India?
Wallet: no. Receiving remittance into a Nepal wallet is a payout rail on the receive page.