Texans1, you're better off using Chase as their rate is cheaper. It takes about 3-4 working days for recipients to receive transferred amount. Exchange rate is determined on Rastra Bank's exchange rate on the day the transfer is completed and it's normally higher than Moneygram/Western Union as both agencies take bigger cuts (at least 1 rupees/dollar).

Also, wire transfer comes in way cheaper if you're sending anything over 4-5k.