Cuando envíes dinero a India, tendrás que escoger el propósito de tu pago. Esto se debe a que somos una institución financiera regulada y tenemos que dejar constancia del propósito para cumplir con las normas de transferencias de INR.
Seleccionar el código de finalidad correcto garantiza la precisión de los informes de transacciones y el cumplimiento de los requisitos normativos. Un código de finalidad incorrecto del Banco de la Reserva de la India (RBI) puede provocar retrasos en los pagos o incluso que se rechacen.
¿Qué códigos de propósito ofrecemos?
Los motivos de la transferencia que puedes seleccionar varían en función de si tú o el destinatario sois particulares (cuenta personal) o empresas. Verás los motivos de transferencia disponibles cuando configures la transferencia.
Cuando envías desde tu cuenta personal a un destinatario personal
| Purpose Code | Context |
|---|---|
| Personal expenses | Payments for personal use, education or medical expenses, or to friends |
| Sending money home to family | Payments to family |
| Savings | Payments for your own savings |
| Property purchase | Payment for purchase of property |
| General monthly living expenses | Payments for day-to-day expenses |
| Deposit to Non-Resident Rupee (NRE) accounts | Payments to NRE accounts |
| Education expenses | Payment to education institutions |
| Loan repayment | Payments to repay a loan |
Cuando envías desde tu cuenta personal a un destinatario de empresa
El límite para enviar a empresas en la India es de 1,5 millones de INR por factura diaria.
| Purpose Code | Sub-Purpose Code | RBI Code | RBI Description | Context |
|---|---|---|---|---|
| Travel expenses | P0301 | Purchases towards travel (Includes purchases of foreign TCs, currency : notes etc over the counter, by hotels, hospitals, Emporiums, Educational institutions etc. as well as amount received by TT/Swift transfers or debit. | Payments to travel agents, hotels or airlines | |
| Loan repayment | P0011 | Repayment of loans extended to non-residents | Payments to repay a loan | |
| Education expenses | P1107 | Educational services (e.g. fees received for correspondence courses offered to non-resident by Indian institutions) | Payment to education institutions | |
| Pay for services | P0807 | Off-site Software Exports | Payment against export of services including software | |
| Software export | P0807 | Off-site Software Exports | Payment against export of services including software | |
| Software consultancy/implementation / Consultancy | P0802 | Software consultancy/implementation (other than those covered in SOFTEX form) | ||
| Accounting services | P1005 | Accounting, auditing, book keeping services | ||
| Audio or visual Services | P1101 | Inward remittance for maintenance of offices in India | ||
| Business Management or PR services | P1006 | Business and management consultancy and public relations services | ||
| Data processing or database related charges | P0803 | Data base, data processing charges | ||
| Legal services | P1004 | Legal services | ||
| Research and Development | P1008 | Research and Development | ||
| Pay for goods | P0102 | Realisation of export bills (in respect of goods) sent on collection (full invoice value) — Other than Nepal and Bhutan | Payment against export of goods | |
| Realisation of export bills | P0102 | Realisation of export bills (in respect of goods) sent on collection (full invoice value) — other than Nepal and Bhutan | Payment against export of goods |
Cuando envías desde tu cuenta de empresa a un destinatario de empresa
El límite para enviar a empresas en la India es de 1,5 millones de INR por factura diaria.
| Purpose Code | Sub-Purpose Code | RBI Code | RBI Description | Context |
|---|---|---|---|---|
| Travel expenses | P0301 | Purchases towards travel (Includes purchases of foreign TCs, currency : notes etc over the counter, by hotels, hospitals, Emporiums, Educational institutions etc. as well as amount received by TT/Swift transfers or debit. | Payments to travel agents, hotels or airlines | |
| Pay for services | P0807 | Off-site Software Exports | Payment against export of services including software | |
| Software export | P0807 | Off-site Software Exports | ||
| Software consultancy/implementation / Consultancy | P0802 | Software consultancy/implementation (other than those covered in SOFTEX form) | ||
| Accounting or related services | P1005 | Accounting, auditing, book keeping services | ||
| Audio or visual Services | P1101 | Inward remittance for maintenance of offices in India | ||
| Business Management or PR services | P1006 | Business and management consultancy and public relations services | ||
| Data processing or database related charges | P0803 | Data base, data processing charges | ||
| Legal services | P1004 | Legal services | ||
| Research and Development | P1008 | Research and Development | ||
| Pay for goods | P0102 | Realisation of export bills (in respect of goods) sent on collection (full invoice value) — Other than Nepal and Bhutan | Payment against export of goods | |
| Realisation of export bills | P0102 | Realisation of export bills (in respect of goods) sent on collection (full invoice value) — other than Nepal and Bhutan | Payment against export of goods |
Cuando envías desde tu cuenta de empresa a un destinatario personal
| Purpose Code | Sub-Purpose Code | RBI Code | RBI Description | Context |
|---|---|---|---|---|
| Travel expenses | P0301 | Purchases towards travel (Includes purchases of foreign TCs, currency : notes etc over the counter, by hotels, hospitals, Emporiums, Educational institutions etc. as well as amount received by TT/Swift transfers or debit. | Payments to travel agents, hotels or airlines | |
| Property purchase | P1301 | Inward remittance from Indian nonresidents towards family maintenance and savings. | Payment for purchase of property | |
| Pay for services | P0807 | Off-site Software Exports | Payment against export of services including software | |
| Software export | P0807 | Off-site Software Exports | Payment against export of services including software | |
| Software consultancy/implementation / Consultancy | P0802 | Software consultancy/implementation (other than those covered in SOFTEX form) | ||
| Accounting or related services | P1005 | Accounting, auditing, book keeping services | ||
| Audio or visual Services | P1101 | Inward remittance for maintenance of offices in India | ||
| Business Management or PR Services | P1006 | Business and management consultancy and public relations services | ||
| Data processing or database related charges | P0803 | Data base, data processing charges | ||
| Legal services | P1004 | Legal services | ||
| Research and Development | P1008 | Research and Development | ||
| Pay for goods | P0102 | Realisation of export bills (in respect of goods) sent on collection (full invoice value) — Other than Nepal and Bhutan | Payment against export of goods | |
| Realisation of export bills | P0102 | Realisation of export bills (in respect of goods) sent on collection (full invoice value) — other than Nepal and Bhutan |
¿Qué propósitos de transferencia no son compatibles con Wise?
Pagos a organizaciones benéficas
Transferencias de empresa que superen los 1,5 millones de INR por factura diaria.
Inversiones extranjeras directas
Pagos de salarios a la India en INR
Si el código de propósito del RBI que quieres utilizar no aparece en nuestras listas anteriores, no podremos admitir ese propósito de transferencia en este momento.
¿Qué pasa si elijo un código de propósito incorrecto?
Seleccionar un código de propósito incorrecto puede provocar retrasos o rechazos.
Si la transferencia no se ha enviado, ponte en contacto con nuestro equipo de atención al cliente. La transferencia se cancelará y reembolsará.
Si la transferencia ya se ha enviado, no podemos modificar los códigos de propósito de esta. Si esto ocurre, puedes:
Ponerte en contacto con el banco del destinatario para que nos devuelvan los fondos. Una vez se rechacen los fondos y nos los hayan devuelto, podremos cancelar y reembolsar tu transferencia.
A continuación, tendrás que iniciar una nueva transferencia utilizando el código de propósito correcto.
¿Qué propósito debo seleccionar si voy a enviar dinero para comprar una casa?
Depende del tipo de transferencia:
Si los fondos son para un préstamo de vivienda — elige devolución de préstamos.
Si los fondos se destinan a una empresa inmobiliaria para inversiones en vivienda — elige la opción de compra de propiedad. El destinatario debe ser una empresa.
Si los fondos se destinan a familiares o amigos para comprar una casa — elige compra de propiedad.