Live exchange rates, forex cards, remittance costs and LRS rules — for travellers, students, NRIs and anyone paid in dollars.
Most people arrive here for one of three reasons. They want today’s USD to INR rate before they convert; they are sending money home and want the total cost of a transfer including the margin buried in the exchange rate; or they are an NRI deciding where the money should sit once it lands, which is a question about NRE and NRO deposit rates and tax rather than about forex at all.
Rankings and comparisons
The six charges that decide which forex card is cheapest, how to measure the markup, and the TCS rule on loading one.
For money transfer to India, Xoom offers the fastest service
What each really costs on a 2 lakh trip, and which one to lead with.
Guides and explainers
This converts at the mid-market rate, before any provider’s margin
The regulated way to trade rupee pairs: which contracts are allowed, the underlying exposure rule, and the USD 100 million documentation threshold.
Fifteen currencies against the rupee, each with its 30-day low and high, so a rate reads as unusual or ordinary rather than merely current
Tuition transfers, the TCS rules on education remittances and blocked accounts.
The LRS limit, what a remittance really costs, how US shares are taxed here, and the route that avoids all of it.
Forex trading is legal in India only through RBI-authorised persons or platforms and recognised exchanges; offshore leveraged forex is not.
The USD 250,000 limit, what falls outside it, how TCS works and the three ways to claim it back.
NRE versus NRO routing, the USD 1 million repatriation cap, and why the exchange rate margin costs more than the fee.
Always pay in the local currency abroad. What dynamic currency conversion costs, and why no Indian rule caps it.
The four charges that decide what your holiday money really costs, and how to pick cash, card or forex card before you fly.
The RBI reference rate and the mid-market rate sit within about 0.1% of each other, and neither is the rate you will be given.
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