India to US East — reverse of the top pair
Mirror of the top zone conversion. IST is 9.5 h ahead of EST (10.5 h ahead of EDT). Same daily overlap window (7-8:30 PM IST = 8:30-10 AM ET) works both directions. Payment cutoffs across the US-India banking corridor are usually anchored to US East Coast time, so wire-transfer deadlines quoted as "5 PM ET" fall at 2:30 AM IST next day.