RBI的公报（MAR-25版）有一篇关于汇款的变化性质的文章。  It is written by Dhirendra Gajbhiye, Sujata Kundu, Alisha George, Omkar Vinherkar, Yusra Anees and Jithin Baby.It is interesting to note that now share of remittances is higher from advanced economics (US. UK, Canada) replacing Gulf countries:This article analyses the results of the sixth round of India’s remittances survey conducted for 2023-24.它捕获了向印度汇款的各个方面 - 全国汇款的来源，汇款的目的地，汇款的交易规模，普遍的传输方式，发送汇款的成本以及通过数字模式通过数字模式传输的汇款份额相对于India的汇款汇款。 时期。 Following a pandemic-led contraction during 2020-21, remittances to India in the post pandemic period recorded a significant surge.The survey results indicate that the share of inward remittances from advanced economies has risen, surpassing the share of Gulf economies in 2023-24, reflecting a shift in migration pattern towards skilled Indian diaspora.Maharashtra, followed by Kerala and Tamil Nadu, continue to be the dominant recipient of remittances.The cost of sending remittances to India has moderated significantly, driven by digitalisation, but remains higher than the SDG target of 3 per cent.Additionally, on an average, 73.5 per cent of total remittances received by the money transfer operators in 2023-24 were through digital mode.Furthermore, fintech companies offer affordable cross-border remittance services, fostering competition among different remittance service providers.