Hope you have selected exchanges to remit the money which is not directly sending exchange.for e.g u r sending money from trust to canara bank, they take their commission, their agent will be delivered the cheques to india bank. for canara directly connection with eastern exchange, trust for sbt & sbi. National exchange for Federal,ICICI.
from bank u r doing, cbq - hdfc, icici
qnb - hdfc
ibq- hdfc
db-union bank, now most of the banks without commission