📊 USD to INR Conversion Table
Based on live mid-market rate. Bank/card rates typically 1–3% lower.
| USD Amount |
Mid-Market (₹) |
Bank Rate (~2% spread) |
Forex Card (~1% spread) |
* Mid-market rate is the interbank rate. Retail rates include margins. Use for reference only.
📊 INR to USD Conversion Table
| INR Amount |
USD (mid-market) |
Bank Rate |
💳 Forex Charges & Transfer Options
Charges when converting USD to INR. Lower spread = more rupees you receive.
SBI, HDFC, ICICI charge ₹500–2,000 flat fee + 1.5–3% exchange margin. Best for large amounts (>$5,000). Takes 1–3 business days. Most secure for large transfers.
Load USD at better rates than cash. Niyo Global, BookMyForex cards offer near mid-market rates. Best for travel. Load at home before travel for best rate.
Wise (TransferWise), Remitly, Western Union Digital — typically offer near mid-market rates with low flat fees ($3–15). Best for regular/medium transfers. Fast (minutes to hours).
Worst rate. Airport kiosks charge very high margins. Avoid exchanging large amounts at airport. Use ATMs instead for cash needs.
Generally a decent rate but ₹300–500 flat fee per withdrawal. Best strategy: withdraw larger amounts less frequently. Use a zero-forex card like Niyo for best ATM rates in India.
The RBI publishes a daily reference rate for USD/INR based on noon interbank transactions. This is the base rate used by banks. Available at rbi.org.in. No retail transactions at this rate.
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