Last reviewed: · Curated by Ohmyfin Organisation editorial.
Australia's Indian-origin population exceeds 800,000 and the Australia–India remittance corridor is growing rapidly. AUD payments leave via Australia's RITS (Reserve Bank Information and Transfer System) and route through a correspondent (ANZ, NAB, Westpac or CommBank) to an Indian bank via SWIFT, settling via RBI RTGS. AUD is typically converted to USD and then to INR; some banks offer direct AUD-INR conversion. The significant time-zone difference (India is 4.5–5.5 hours behind Sydney) creates a narrow overlap window where both RITS and RBI RTGS are simultaneously open. RBI requires FEMA inward reporting. Track your UETR on Ohmyfin for live GPI status.
Settlement path: RITS (Reserve Bank of Australia) → RBI RTGS / NEFT. Currency pair: AUD → INR.
The three most common causes of delay on this corridor are: (1) FEMA reporting by the Indian receiving bank, (2) AUD-to-INR conversion via USD intermediate step at the correspondent, and (3) Time-zone gap: RBI RTGS closes at 18:00 IST, only 30 mins after Sydney market open (07:30 AEST).
If the payment has not arrived within 4 business days, ask your sending bank to file an MT199 payment enquiry citing the UETR and the holding bank's BIC shown on the Ohmyfin GPI tracker.
Most SWIFT transfers on the Australia–India corridor credit the beneficiary within 2 business days. In 95% of cases the payment arrives within 4 business days. The most common delay is fema reporting by the indian receiving bank.
The three most common delay causes are: FEMA reporting by the Indian receiving bank; AUD-to-INR conversion via USD intermediate step at the correspondent; Time-zone gap: RBI RTGS closes at 18:00 IST, only 30 mins after Sydney market open (07:30 AEST).
Track the UETR on Ohmyfin — the GPI status shows exactly which bank is holding the payment. If delayed beyond 4 business days, ask your sending bank to file an MT199 payment enquiry citing the UETR and the holding bank's BIC.
The dominant settlement path is RITS (Reserve Bank of Australia) → RBI RTGS / NEFT. The currency pair is AUD → INR.
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