Navigator Navigator Learn. Simplify. Empower.

Categories

Quick Tools

Category

Forex

Foreign exchange regulations, remittances, LRS, and currency conversion.

Articles

Liberalised Remittance Scheme (LRS): A Practical Guide

Understand how much money resident individuals can remit abroad each year under RBI's LRS, what it can be used for, and what banks check before releasing funds.

04 Sep 2026 · 2 min read
MT 210 Explained: Notice to Receive

How a bank gives its correspondent advance warning of an incoming credit, to help with liquidity planning.

22 Aug 2026 · 2 min read
MT 205 Explained: Financial Institution Transfer Execution

How an intermediary bank in a payment chain instructs the next leg of an interbank transfer it has just received.

21 Aug 2026 · 2 min read
MT 202COV Explained: Cover Payment

Why banks use a special version of MT 202 that carries the underlying customer details, for sanctions and AML screening.

20 Aug 2026 · 2 min read
MT 202 Explained: General Financial Institution Transfer

The bank-to-bank SWIFT message that settles the interbank leg behind a customer payment or moves funds for another institution.

19 Aug 2026 · 2 min read
MT 200 Explained: Financial Institution Transfer for its Own Account

How a bank moves its own money between its accounts at different correspondents — not a customer payment.

18 Aug 2026 · 2 min read
MT 190 Explained: Advice of Charges, Interest and Other Adjustments

How a correspondent bank tells an account-holding customer bank about charges or interest applied to their account.

17 Aug 2026 · 2 min read
MT 111 Explained: Request for Stop Payment of a Cheque

What goes into a formal SWIFT request to block a specific cheque from being honoured.

16 Aug 2026 · 2 min read
MT 110 Explained: Advice of Cheque

Why a bank tells the drawee bank about a cheque before it is ever presented, and what the message contains.

15 Aug 2026 · 2 min read

Frequently Asked Questions

Yes. The LRS ceiling is an annual limit tied to the financial year (April–March) and resets at the start of each new financial year.
Each resident individual, including minors (through a guardian), has their own separate LRS limit, so family members can each remit up to their individual ceiling.