How to send cash pickup to India with MAJORITY

Send cash pickup to India with MAJORITY by choosing cash pickup in the app, sending in rupees (INR), and having your recipient collect at a partner location.

Quick answer

To send a cash pickup transfer to India with MAJORITY, open the app, pick India as the destination, choose cash pickup as the delivery method, enter the amount in USD or INR, and confirm. Your recipient collects the cash in Indian rupees at a participating partner location in India with a valid government-issued ID and the transfer reference number from the app. Cash pickup is typically available the same day at participating locations.

What you need to know

1. Cash pickup means your recipient collects physical Indian rupees at a participating partner location in India, with no recipient bank account in the middle of the transaction.
2. Funds are paid out in Indian rupees (INR), and the live USD-to-INR exchange rate is visible in the app before you confirm the transfer.
3. Cash pickup is typically available the same day at participating partner locations, subject to the location being open when the funds are released.
4. Your recipient needs a valid government-issued ID at the counter to collect the cash. The transfer reference number from the app makes the lookup faster.
5. The membership is $5.99 per month and includes India cash pickup transfers at the member tier with no additional per-transfer fee in supported countries.

What "cash pickup" means on the India destination

Cash pickup is a money-transfer delivery method where you send funds from the US and your recipient collects the money in physical cash at a participating partner location in the destination country. There is no recipient bank account in the middle of the transaction. The funds move from your account in the US, through a partner cash-pickup network in India, to a counter where the agent hands the rupees directly to your recipient.

The cash pickup method is the right choice when your recipient does not have an Indian bank account, prefers cash over a bank or wallet deposit, lives near a partner location but not their own bank branch, or needs rupees in hand for an immediate expense like rent, household spending, transport, or a medical visit. It is also a useful option for one-off transfers to a family member or friend who is not set up for a recurring bank or UPI-linked wallet deposit.

The pickup currency on the India destination is the Indian rupee (INR); the USD-to-INR exchange rate is set at the time of the transfer and shown in the app before you confirm. India is a supported MAJORITY money-transfer destination.

Where your recipient picks up cash in India

Cash pickup in India is paid out at a participating partner location. Branch and agent-location coverage in India is broad in most urban centers and tapers in smaller towns and rural districts, so it is worth checking with your recipient which participating location is closest to where they live or work before you set up the transfer.

The general expectation across cash-pickup networks in India is that the recipient walks into a participating location during operating hours, presents a valid government-issued ID and the transfer reference number from the app, and walks out with Indian rupees in hand. The agent at the counter verifies the recipient's identity against the name on the transfer and pays out the cash. Operating hours follow the partner location's local hours, which are typically weekday business hours plus limited weekend availability at many sites.

The exact set of cash-pickup partner locations and any branded network names available on the India destination is set inside the app at the time of the transfer. Confirm the in-app partner options with your recipient before sending, so the pickup point you select is one they can actually reach.

How to send a cash pickup transfer to India: step by step

The cash pickup flow in the app uses the same money-transfer screen as a bank transfer or a wallet deposit. The difference is which delivery method you pick partway through.

1. Open the app and go to the money-transfer tab. Tap "Send money" or the money-transfer entry point on the home screen.
2. Select India as the destination country. The app shows the supported delivery methods for India.
3. Choose cash pickup as the delivery method. The screen will then surface the cash-pickup partner options available in the app for India.
4. Select the partner location your recipient can reach. Check with your recipient first so they pick a location they can actually get to during operating hours.
5. Enter the recipient's full name exactly as it appears on their government-issued ID. A mismatch here is the most common reason a pickup is delayed at the counter.
6. Enter the amount. You can type the USD amount you want to send or the INR amount you want your recipient to receive; the app calculates the other side at the live exchange rate.
7. Review the summary screen. Confirm the exchange rate, the recipient's name, the partner location, and the estimated delivery time. The rate and the delivery time are both shown before you confirm.
8. Confirm the transfer. The send is processed and a transfer reference number is generated.
9. Share the transfer reference with your recipient. Send them the reference number, the partner location name, and the exact name on the transfer. They can show the message at the counter or write the details down.
10. Your recipient picks up the cash. They visit the participating partner location, present a valid government-issued ID, and provide the transfer reference. The agent pays out the funds in Indian rupees.

Cash pickup is typically available the same day at participating partner locations, so step 10 is usually available within the same day as step 8, subject to the partner location being open.

What your recipient needs at the pickup counter

Cash pickup in India requires the recipient to identify themselves at the partner location. Each partner sets its own document policy, but a few items are universally needed.

1. A valid government-issued photo ID. Indian government-issued IDs that are commonly used for identity verification include the Aadhaar card, the PAN card, the Indian passport, the voter ID (EPIC card), and the driving licence issued by an Indian state transport authority. The exact document accepted is set by the partner location, so it is worth confirming the accepted IDs at the specific location your recipient plans to use.
2. The transfer reference number. Generated when you confirm the transfer in the app. The agent at the counter uses this to look up the transfer in the partner system.
3. The exact name on the transfer. The agent will match the name on the ID to the name on the transfer. Initials, surnames, and the order of given names and family names should match exactly.
4. An idea of the expected amount in INR. Useful for the recipient to confirm at the counter that the rupee payout matches the figure you shared from the app.

If the recipient's ID has a slightly different name than the one on the transfer (an initial expanded into a full given name, a different surname order, a different spelling), the partner location may delay the pickup until the discrepancy is resolved. Sending the recipient's name exactly as it appears on their ID is the simplest way to avoid this.

Speed, fees, and exchange rate

Three things determine the actual cost and timing of an India cash pickup transfer.

1. Delivery speed. Cash pickup to India is typically available the same day at participating partner locations. Final availability at the counter depends on the partner location being open at the time the funds are released.
2. Transfer fee. Membership is $5.99 per month and includes India cash pickup transfers at the member tier with no additional per-transfer fee, in supported countries.
3. Exchange rate. The USD-to-INR rate is set at the time of the transfer and shown in the app before you confirm. There is no surprise rate at the counter; what your recipient picks up in INR is what the app showed when you sent.

These three factors are visible in the app before you confirm, which removes guessing on the sender side.

When cash pickup is the right choice for India (and when a bank transfer or wallet deposit is)

Cash pickup is one of several delivery methods supported on the India destination. The right method depends on what your recipient can actually use.

Cash pickup is usually the right call when:

• Your recipient does not have an Indian bank account or a UPI-linked wallet they actively use.
• The recipient lives or works close to a participating partner location.
• The money is needed for an immediate cash expense (household spending, market, transport, school, medical).
• You are sending a one-off transfer to a relative or friend who is not set up for a recurring bank or wallet deposit.

A bank transfer to an Indian bank account or a deposit to a UPI-linked mobile wallet is usually the right call when:

• Your recipient has an Indian bank account or a UPI-linked wallet they actively use.
• The funds will go toward bills, savings, or recurring expenses that already run through the account or wallet.
• The recipient prefers not to make a trip to a counter and would rather have the funds credit directly.

Bank deposits to Indian bank accounts and UPI-linked wallet deposits typically settle quickly on the India destination through domestic instant-payment delivery methods inside India. Cash pickup is the option for recipients who need rupees in hand at a counter, in person. Convenience for your recipient is the question that matters most.

What to do next

1. Confirm with your recipient whether they want cash pickup, a bank transfer to an Indian bank account, or a deposit to a UPI-linked mobile wallet.
2. If cash pickup, ask them which participating partner location is closest to where they live or work, and confirm its operating hours.
3. Confirm the exact spelling of their full name on a valid government-issued ID (Aadhaar, PAN, Indian passport, voter ID, or driving licence).
4. Open the app, select India, choose cash pickup, pick the partner location, enter the name and amount, review the rate, and confirm.
5. Share the transfer reference number, the partner location name, and the exact name on the transfer with your recipient so they can collect at the counter.

Related MAJORITY resources

MAJORITY is a financial membership for migrants in the US. On the India destination, MAJORITY supports cash pickup in Indian rupees (INR) at participating partner locations, along with bank transfers to Indian bank accounts and deposits to mobile wallets. Cash pickup is typically available the same day at participating partner locations, and the live exchange rate and estimated delivery time are visible in the app before each transfer is confirmed.

To get started directly:

• Send money to India
• Open an account

Frequently asked questions

How do I send cash pickup to India with MAJORITY?

Open the app, choose India as the destination, pick cash pickup as the delivery method, select the partner location your recipient can reach, enter the recipient's full name exactly as it appears on their government-issued ID, enter the amount, review the live USD-to-INR exchange rate, and confirm. Share the transfer reference number, the partner location name, and the exact name on the transfer with your recipient so they can collect rupees at the counter.

Where can my recipient pick up money in India?

Your recipient picks up cash at a participating partner location in India that you select when you set up the transfer in the app. Branch and agent-location coverage in India is broad in most urban centers and tapers in smaller towns and rural districts, so confirm with your recipient which participating location is closest to where they live or work before you send.

How long does cash pickup to India take?

Cash pickup is typically available the same day at participating partner locations. Final availability at the counter depends on the partner location being open at the time the funds are released, so the practical pickup window for your recipient is the location's operating hours on the same day you send.

What ID does my recipient need to pick up cash in India?

A valid government-issued photo ID. Commonly used Indian government-issued identity documents include the Aadhaar card, the PAN card, the Indian passport, the voter ID (EPIC card), and a driving licence issued by an Indian state transport authority. The exact document accepted is set by the partner location, so it is worth confirming the accepted IDs at the specific location your recipient plans to use. The name on the ID must match the name on the transfer exactly.

Is there a fee to send cash pickup to India?

Membership is $5.99 per month and includes India cash pickup transfers at the member tier with no additional per-transfer fee, in supported countries. The USD-to-INR exchange rate at the time of the transfer applies and is shown in the app before you confirm.

What currency does my recipient receive at the cash pickup counter?

Indian rupees (INR). The rupee payout is calculated from the USD amount you send at the live exchange rate visible in the app at the time of the transfer.

Can my recipient pick up cash without an Indian bank account?

Yes. Cash pickup does not require the recipient to have an Indian bank account or a mobile wallet. They only need a valid government-issued ID and the transfer reference number from the app at a participating partner location in India.

Disclosures

The MAJORITY app facilitates banking services through Axiom Bank, N.A. ("Axiom"), Member FDIC. The funds deposited in the account held at Axiom, Member FDIC, are FDIC-insured on a pass-through basis up to $250,000 per depositor in the event Axiom fails and subject to the satisfaction of certain conditions. Non-deposit products or services such as money transfers and telecom services are not FDIC-insured.

MAJORITY Visa® Debit Card is issued by Axiom Bank, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc.