If sending ₹100, the amount that will go to fees is ₹5.5 and the recipient will receive ₹94.5. That's 5.5% going to fees, effectively.
* Using Local fee rate of 2.5% + ₹3
To receive ₹100, a payment of ₹105.64 should be sent. ₹5.64 will go to fees. That's 5.34% in fees, effectively.