If you’re a freelancer, digital marketer, or someone working with overseas clients, understanding how to withdraw money from PayPal India is essential. Though PayPal is one of the most reliable international payment platforms, first-time Indian users often find the withdrawal process a bit confusing.
In this guide, you’ll learn how to successfully withdraw money from PayPal India to your bank account — with practical steps, common problems, applicable fees, and expert tips for a smooth experience.
💼 PayPal Withdrawal Options in India
In India, PayPal allows only one primary withdrawal method — a direct transfer to a local Indian bank account. Unlike other countries, PayPal does not support debit card or PayPal Wallet withdrawals in India.
- All withdrawals are automatically converted to INR (Indian Rupees).
- You must link a valid Indian bank account with a correct IFSC code.
- Currency conversion and transaction fees may apply.
✅ Requirements Before You Withdraw
Before initiating your first PayPal withdrawal in India, make sure the following requirements are fulfilled:
a) Verified PayPal Account
- Your PAN card must be submitted.
- Provide address proof if requested.
- Verify your email address and mobile number.
b) Linked Indian Bank Account
- The account must be in your name (no third-party account linking allowed).
- Your bank must support IFSC codes (most Indian banks do).
c) Sufficient PayPal Balance
- Ensure you have funds available to cover both the withdrawal amount and any applicable fees.
💳 How to Withdraw Money from PayPal India to a Bank Account
Follow these steps to transfer money from your PayPal account to your Indian bank account:
- Log in to PayPal India: Visit paypal.com/in and sign in to your account.
- Open the “Wallet” Tab: View your available PayPal balance.
- Click on “Transfer Money”: Choose the option to transfer to your bank.
- Enter the Amount: Enter the amount in Indian Rupees; PayPal will auto-calculate conversion rates and fees.
- Select Your Bank Account: Confirm the correct bank account with valid details.
- Confirm the Transfer: Double-check everything and hit “Transfer”.
- Wait for Processing: Funds are typically credited within 2 to 5 business days.
⏱ Processing Time
Withdrawals from PayPal India typically take 2–5 business days. Delays may occur during bank holidays or due to compliance checks.
💸 Withdrawal Fees
- Currency Conversion Fee: Approximately 3.5% of the amount.
- Withdrawal Fee: Usually free for monthly withdrawals under ₹7,000. After that, PayPal may charge around ₹50 per transaction.
🔄 Alternative Withdrawal Methods
Unfortunately, as of now there are no alternate ways to withdraw money from PayPal India other than direct bank transfer.
- PayPal debit cards are no longer available in India.
- PayPal-to-PayPal transfers are possible between users, but they do not replace local withdrawals.
⚠️ Troubleshooting Common Issues
Here are a few common problems users face while trying to withdraw money from PayPal India — and how to solve them:
- Failed Transfer: Usually caused by incorrect bank details or an unverified PayPal account. Double-check your IFSC and account number.
- Currency Conversion Delays: Sometimes occurs if transactions are under compliance review. Wait 24–48 hours or contact support.
- Withdrawal Limits: New PayPal accounts may have withdrawal caps until full KYC is completed.
- Funds Not Received: Check if your transfer falls on a holiday or weekend. Contact PayPal or your bank if delayed beyond 5 days.
🧠 Tips for Smooth Withdrawals
- Always use correct IFSC and account details when linking your bank.
- Withdraw funds in INR only — it’s the only supported currency for Indian users.
- Complete your PayPal verification checklist (PAN, address, mobile number).
- Track fees and set specific days for regular withdrawals to avoid mishaps.
🤔 Frequently Asked Questions
Q1: Can I withdraw PayPal funds to a UPI ID?
No. PayPal India does not support withdrawals through UPI.
Q2: What are the withdrawal limits?
There’s no fixed limit, but high-value transfers may trigger compliance procedures.
Q3: Why is my withdrawal delayed?
Bank holidays, incorrect account details, or compliance procedures could delay your funds.
Q4: Are there tax implications for PayPal withdrawals?
Yes. All income received via PayPal in India is taxable. Consult a chartered accountant for proper tax treatment.
🔚 Final Thoughts
Learning how to withdraw money from PayPal India isn’t as difficult as it seems. If you’ve verified your PayPal account and entered the correct bank details, your funds should usually arrive within a few working days. Remember to always double-check your information and follow proper tax reporting procedures.
Still have questions about how to withdraw money from PayPal India? Leave a comment below or reach out via Rupeeshastra.com for assistance!
Jaspal Singh is an international business professional with 19+ years of experience in the agri-machinery industry. He writes practical guides on career planning, finance, and migration.