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@krysfaust00 Yes. $. HDFC and others makes the process smooth because that's tangible and instant income for them. Indian overseas on other side has customers who have accounts in their bank only for inward remittances, so they deal with 100s of remittances per day per branch. So you can imagine...

@krysfaust00 It's a govt bank so have expectations accordingly. But the rates are worth the hassle even if you do 20k a month. Crediting doesn't take time but invoice submission etc may take time.

@krysfaust00 Indian overseas bank has the best rates. No need to negotiate, other banks can't match what they over.