Quick Guide on How to Send Money from India to Kenya

• By Clinton Wanjala

• 637

• Last updated Sep 20, 2025

For many, India and Kenya aren’t just countries—they’re homes, where family and business ties run deep. 

In the recent years, sending money between these nations has become an important part of life, connecting loved ones and supporting shared dreams across borders.

But let’s be real, finding out out the best way to send money from India to Kenya can be confusing. With so many options, fees, and steps involved, many people find the process complex and challenging. 

In this guide, we’ll break down the best channels and step by step processes for India-Kenya money transfer. The goal of this guide is making the process of sending money from India to Kenya simple, quick and easy. 

Whether it’s for family, business, or anything in between, this guide has got you covered.

Available Methods for sending money from India to Kenya 

There are several methods that are available that an individual or a business can use to send money from India to Kenya. Some of the most common options are listed below:

• Bank Transfers: Traditional but often cumbersome, bank transfers typically involve higher fees and longer processing times. Sending money using bank transfer option is the oldest method that still works. However, it is the most expensive and slowest of all.
• Online Money Transfer Services: There are numerous online money transfer platforms that help individuals and businesses to send money from India to Kenya. Some of these options are Wise, Ria, Paypal, Skrill and Remitly among others.
• Mobile Wallets: Services like M-Pesa and Paytm allow for quick and easy transactions, if you are in india, you can use Paytm to send money to kenya while those in kenya can use M-Pesa to send money to India.

Each method has its advantages and disadvantages. Its thus imperative to examine the method that best aligns with your needs and interests. 

Sending Money From India to Kenya Using Ria Money Transfer

Start by creating a Ria account on their app or website. Just enter your email and phone number, create a password, and confirm your identity with a government-issued ID. Once verified, log in, and you’re ready to go!

2. Choose “Send Money” and Set the Amount

Click “Send” or “Send Money” to get started. Choose Kenya as your destination country, then enter how much you’d like to send. Ria will show you the fees and the current exchange rate upfront, so you’ll know exactly what your recipient will get.

3. Pick How You Want to Pay

For quick transfers, paying by credit or debit card is usually the fastest. If you’re not in a rush, you can also choose bank transfer options.

4. Enter the Recipient’s Details

Now, add your recipient’s information. Fill in their full name and either their M-Pesa number, bank account, or mobile wallet details—whichever way they’d like to receive the funds.

5. Review and Confirm the Transaction

Double-check everything. Make sure the amount, fees, and recipient details are all correct. Once it looks good, click “Send.”

6. Receive Confirmation

Ria will process your transfer and send you a notification once it’s done. Let your recipient know to check their account or M-Pesa to confirm they’ve received the funds.

Frequently Asked Questions 

a. Why do people send money from India to Kenya?

i. The primary motivation for people sending money from India to Kenya is family support. Indian families and Kenyans living in India send money from India to Kenya  to provide support to their beloved for needs such as education, healthcare and daily expenses. 

ii. Another major reason for sending money from India to Kenya is for business transactions. Usually, Indian businesses with operations in Kenya may need to transfer funds for operational costs or investments.

b. Does M-PESA work in India?