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Sending money to India

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I have used XOOM s far. Totally risk free service but the exchange rate less than any one else who's in this business. I think if we get a chance to go with SBI(not available for some states in US), we can go for it. There is a diffrence of almost 50 paisa between XOOM and SBI.

I am willing to stick on to Indusfastremit. I heard they have got better exchange rate and it's a fixed one! Yet to explore on this. Any thoughts!!?

Couple of concerns:
1. Banks with indicative rates take more than 5 days settle the money. Heard that they would wait and do this at the time when it is exchange rate is less. It's pathetic if it's true.

2. Websites of most of the banks makes me feel that they are not secure. They should build simple but powerfull web application. However XOOM and Indus look good.
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