How to Send Gift Money to Canada from India (2025 Guide)

Every family has its own way of staying connected, some through weekend video calls, others through thoughtful gestures. For many Indians with loved ones in Canada, sending gift money has become one such gesture. In 2023 alone, over $1 billion was gifted from India to Canada. Whether it’s for a birthday, an emergency, or just to say, “I’m thinking of you,” this rising trend reflects how we stay close even when miles apart.

In this easy-to-follow guide, we’ll cover how to send gift money to Canada in 2025, tax rules you should know, required documents, and the smartest way to make the transfer. Let’s dive in.

Why People Send Gift Money to Canada?

Indians send gift money to Canada for many heartfelt reasons:

• Celebrating birthdays, weddings, or anniversaries

• Supporting NRI children’s education and living expenses

• Helping with medical emergencies or caregiving needs

• Investing in relationships by showing love from afar

From Ontario to British Columbia, families across Canada benefit from the financial gifts sent by their loved ones in India.

What Is a Gift Remittance?

A gift remittance is a transfer made without the expectation of anything in return. It’s not an investment or payment for services—it’s love in financial form. Under the Liberalized Remittance Scheme (LRS), every Indian resident is allowed to remit up to USD 2,50,000 per financial year for various reasons, including gifting.

If you plan to send gift money to Canada, especially to a family member, it often qualifies as a tax-exempt transaction under Canadian law.

Can I Send Gift Money to My NRI Daughter in Canada?

Absolutely. In fact, “gift to NRI daughter from parents” is one of the most common queries Indians have. Parents can send gifts in the form of money to their children living abroad without tax implications under Indian tax laws (up to ₹7 lakh per financial year is exempt from TCS).

Also, when money is gifted to close relatives like a daughter, Canadian tax authorities do not treat it as taxable income for the recipient.

Pro Tip: If you’re planning to remit a large amount, break it into two financial years to legally reduce your tax burden in India.

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Documents You’ll Need to Send Gift Money to Canada from India

Here’s what you typically need to make a remittance:

• PAN Card (for identity verification)

• Recipient’s bank details

• Purpose of remittance (e.g., gift to daughter)

• Proof of relationship (if applicable)

• Amount to be transferred

Planning a gift to NRI by resident Indian? These documents keep things smooth and compliant.

Understanding TCS: Tax on Sending Gift Money

The government collects Tax Collected at Source (TCS) on foreign remittances over ₹7 lakh. Here’s a quick breakdown:

Sending money to a close relative like a daughter? You may qualify for exemptions. Still unsure? Consult your CA.

Want to skip the tax hassle? Check out how to transfer money from India to Canada without paying tax — it’s easier than you think!

Best Ways to Send Gift Money to Canada from India

Here are your top options:

1. Money Transfer Companies (HOP Remit by moneyHOP)

• Best exchange rates

• Transparent, no hidden charges

• 24–48 hour delivery

• User-friendly web & app

2. Bank Wire Transfer

• Slower (2–5 days)

• Higher fees

3. Gift Cards

• Good for small purchases

• Limited utility

4. Cash Courier

• Not legal or safe

5. Certificates of Deposit

• Long-term gifting instrument

• Requires knowledge of financial products

Want to send gift money to Canada the smart way? HOP Remit offers an unbeatable combo of security and speed.

Why Use HOP Remit for Sending Gift Money to Canada?

HOP Remit by moneyHOP is an instantaneous, cost-effective, user-intuitive, and contactless international remittance service that is tailor-made to serve Indians. It provides customers with complete transparency and significantly reduces the total transaction costs of sending money abroad. The HOP Remit platform represents the perfect concoction of a fintech’s agility and the security observed in a bank.

Here are some features that make HOP Remit different:

1. Best Exchange Rates, Always!

At HOP Remit, we don’t just match market rates—we strive to beat them! Our constantly updated exchange rates ensure you always get the most for your money. After all, every rupee counts!

Get live exchange rates here

2. No Hidden Charges—What You See Is What You Pay!

We believe in full transparency. With HOP Remit, you’ll never encounter hidden fees or unexpected costs. When we say zero hidden charges, we mean it. No surprises—just honest, upfront pricing.

3. Lightning-Fast Transfers in Just 48 Hours!

Transfers usually don’t take long. In most cases, the money gets where it needs to go in about two days. It’s a pretty smooth process, and you won’t be left wondering where things stand.

4. 24/7 Availability—Because Life Doesn’t Stop

Need to send money at midnight or on a holiday? No problem! Our services are available round-the-clock, 365 days a year. Whenever you need us, we’re here for you.

5. Lock in Exchange Rates for Up to 24 Hours!

Sometimes rates go up or down while you’re still deciding. To make things easier, we give you a full day to hold the rate you see. That way, you can take your time and finish the transfer when you’re ready.

How to Send Gift Money to Canada from India in 5 Simple Steps?

• Open Your HOP Remit Account: It is as simple as pie to get started. Just register with your email address and phone number. It is quick, and you will be up to send money in minutes.

• Enter the amount you intend to send: Once you’re inside, go ahead and input the amount you’re looking to transfer. Choose the currency, select the transfer purpose, and you’re halfway there.

• Double Check Your Details (Super Simple!): We’re security focused, so we just ask for a quick KYC (Know Your Customer) check. Just give us your basic details—name, birth date, and address—and share a valid identity document (Aadhaar or PAN card). Piece of cake, and you’ll be live with the full capabilities of the platform in no time.

• Finally, complete the details of your beneficiary including his or her name, address, and banking information. Depending on the purpose, we might require one or two other documents, for instance, a proof of relationship or a bank statement.

• Pay up and you’re done: Choose your payment mode—net banking, credit/debit card, or UPI—and go ahead with the payment. The money will be in the process of being transferred, typically in hours, depending on the payment gateway and the country.

Who Are All Considered As Close Relatives?

The following are considered to be close relatives:

• Members of HUF (Hindu Undivided Family)

• Husband and Wife

• Father (Provided that the term “Father” includes step-father)

• Mother (Provided that the term “Mother” includes the step-mother)

• Son (Provided that the term “Son” includes the step-son)

• Son’s wife

• Daughter

• Daughter’s husband

• Brother (Provided that the term “Brother” includes the step-brother)

• Sister (Provided that the term “Sister” includes the step-sister)

Gift Deeds & Canadian Rules

For large transactions, a gift deed from India to Canada is advisable. It’s a signed document acknowledging the transfer is a gift. In Canada, gifts above CAD 10,000 may need to be reported but are usually not taxed.

Keep records to avoid issues with financial institutions or future scrutiny.

Who All Do We Serve?

Wrap-Up: Sending Money That Matters

Whether it’s a gesture of love, support, or celebration, choosing to send gift money to Canada is about making someone’s day brighter even when you’re thousands of miles away. With low-cost, high-speed platforms like HOP Remit by moneyHOP, international gifting is no longer complicated or expensive.

Start your transfer today with HOP Remit and send your love across borders—fast, easy, and stress-free.