US Dollars to Indian Rupees Exchange Rate & Comparison
Compare the best rates and get the highest value for your currency conversion.
1 USD = 85.92 INR
Last updated on: 4/8/2025
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USD to INR Historical Data
Analyze USD to INR Exchange Rate Trends for the Last 5 Years
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The exchange rate for USD to INR has changed byN/Aover the last 5 years. The exchange rate of USD to INR has fluctuated based on market demand, inflation rates, and economic policies.
How to Exchange USD to INR ?
Exchanging USD to INR is simple, but exchange rates fluctuate, and fees vary. The best option is online money transfer services like Wise, Revolut, PayPal, or Western Union which offer competitive rates with low fees. Transfers are usually instant or take a few hours.
For larger amounts, bank transfers and forex cards provide secure alternatives. Banks process USD to INR via SWIFT, but it takes 1–3 business days and may include high charges. Forex cards offer better exchange rates and lower fees, making them ideal for travelers.
If you need cash, currency exchange kiosks at airports and local offices provide instant exchange but often at lower rates. ATMs allow withdrawals using international cards, though ATM and foreign transaction fees may apply.
| Method | Speed | Fees | Best For |
|---|---|---|---|
| Online Transfer | Instant – Few Hours | Low | Fast, low-cost transfers |
| Bank Transfer (SWIFT) | 1–3 Business Days | High | Large, secure transfers |
| Currency Exchange Kiosk | Instant | High | Emergency cash exchange |
| ATM Withdrawal | Instant | Moderate | Travelers needing cash |
How to Get the Best Rate When Exchanging USD to INR?
When exchanging money, many people think they only need to check the exchange rate. Wrong! The real key is understanding how much you'll actually receive after accounting for hidden fees. These hidden costs can drastically reduce the amount of money you get.
Mid-Market Rate: This is the "real" exchange rate that banks use. It's often the most favorable rate for currency conversion. For example, the current rate for 1 USD to INR is .
Bank Rate: Banks typically add a 2-5% markup to the mid-market rate, meaning you'll receive less than expected. It's important to factor this in when comparing rates.
Transfer Fees: Some services charge a flat fee, while others charge a percentage of the transfer amount. These fees can add up quickly, reducing your final payout.
Hidden Costs: Timing can also play a huge role. For example, exchanging money on weekends may lead to less favorable rates due to Forex market closures, and slow transfers can further erode your funds.
Who Gives the Best Rates?
If you want to save more, some platforms stand out. Wise, for example, offers the lowest fees (0.7%) and uses the real mid-market rate. PayPal, on the other hand, has high fees (up to 4%) and poor exchange rates. Western Union provides instant cash but charges high fees (around 5%), while bank transfers are safer but slower. Google Pay offers instant transfers with lower fees (around 1%).
When Is the Best Time to Exchange?
For the best rates, aim to exchange between Tuesday and Thursday. Banks tend to have more stable rates during these days. Avoid exchanging on weekends when markups are common due to Forex market closures.
To make sure you're always getting the best rate, consider setting up currency rate alerts. This way, you can lock in a favorable rate as soon as it becomes available.
Pro Tips to Save More
Always compare different platforms before making your transfer. Avoid exchanging money at airports, where rates can have a 10-15% markup. Use peer-to-peer platforms like Wise for low
Final Tip: Exchange rates fluctuate daily. Tracking rates and exchanging at the right time can help you get up to 5-10% more in INR!
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