TCS (Tax Collected at Source) is deducted by your bank at the time you add money, as part of your payment on the bank page. It is not charged by Groww.

TCS applies only once your total foreign remittances cross ₹10 lakh in a financial year (cumulative across all banks and purposes, tracked against your PAN). Up to ₹10 lakh, no TCS is deducted. Beyond ₹10 lakh, TCS at 20% applies on the amount exceeding the threshold. 

TCS is not an additional charge — it is an advance tax that you can adjust or claim against your income tax liability while filing your ITR.