DCB Bank's USD to INR rate today is ₹92.69 for money coming in.
- TT buying rate: ₹92.69. What you receive on an inward transfer.
- Card rate: ₹92.29. Forex card and cash.
- TT selling rate: ₹96.29. What you pay to send money out.
From the sheet DCB Bank published on 4 September 2026 at 4:00 PM, and refreshed here twice a day. The major currencies are in the table below; DCB Bank publishes 12 in total on its own sheet.
DCB Bank forex rates today
DCB Bank's USD TT buying rate today is ₹92.69, with the major currencies in the table below.
These figures come from the sheet DCB Bank published on 4 September 2026 at 4:00 PM. The bank revises it during the day, so these are the morning quote and the settlement rate may differ.
If you are receiving money from abroad, the column you want is TT Buying.
This sheet covers transactions up to INR 6,00,000. Above that, rates are set by the bank.
Source: DCB Bank Foreign-Exchange Rate Schedule, published by DCB Bank itself. Rates are indicative and subject to change with market movements. The rate that applies is the one prevailing when your account is credited.
| Currency | TT Buying (inward) | TT Selling (outward) | Bills Buying | Card (cash out) | Card (load) |
|---|---|---|---|---|---|
| USD United States Dollar | 92.69 | 96.29 | 92.49 | 92.29 | 96.69 |
| EUR Euro | 107.79 | 111.79 | 107.59 | 107.09 | 112.49 |
| GBP Great Britain Pound | 125.81 | 129.81 | 125.61 | 124.76 | 130.86 |
| AED U.A.E. Dirham | 24.73 | 26.73 | 24.53 | 24.33 | 27.13 |
| AUD Australian Dollar | 66.03 | 70.03 | 65.83 | 65.53 | 70.53 |
| CAD Canadian Dollar | 66.70 | 70.20 | 66.50 | 66.35 | 70.55 |
| SGD Singapore Dollar | 73.05 | 76.05 | 72.85 | 72.40 | 76.70 |
| SAR Saudi Riyal | 24.16 | 26.16 | 23.96 | 23.76 | 26.56 |
| CHF Swiss Franc | 115.46 | 118.06 | 115.26 | 113.86 | 119.66 |
| JPY Japanese Yen | 0.5947 | 0.6137 | 0.5927 | 0.5872 | 0.6212 |
DCB Bank TT buying rate today
DCB Bank's TT (telegraphic transfer) buying rate for USD is ₹92.69 on the sheet published 4 September 2026 at 4:00 PM.
This is the number that determines an exporter's payout. When a client abroad wires you dollars, DCB Bank buys those dollars from you and credits rupees at the TT buying rate.
You will also see this written as TTBR, which is simply short for TT buying rate. Some sheets and screens use the abbreviation on its own.
On a USD 10,000 invoice that is ₹9,26,900 before GST and any certificate fee.
Against the mid-market rate, the gap looks like this:
- Mid-market reference: ₹94.51
- DCB Bank TT buying: ₹92.69
- Gap: 1.93%, or about ₹18,200 on a USD 10,000 invoice
That gap is the bank's margin, and it applies to every transfer settled at card rates. The reference above is the exchangerate-api daily reference rate of ₹94.51 on 6 September 2026. That is a daily reference rate rather than an intraday close, while the bank revises its own sheet through the day. Treat the percentage as close, not exact.
DCB Bank TT selling rate today
DCB Bank's TT selling rate for USD is ₹96.29 as of the same sheet.
This is the rate you pay when DCB Bank sells you foreign currency, so it applies to outward remittances such as paying an overseas supplier or sending money abroad under the Liberalised Remittance Scheme (LRS). Xflow handles inbound export earnings only, so outward remittance sits outside what we cover; the rate is here because the bank publishes it on the same sheet.
The spread between the two TT rates is ₹3.60 per dollar, or 3.9% of the buying rate. Buy and sell the same dollar on the same day and that spread is what the bank keeps.
DCB Bank rate sheet today
DCB Bank publishes these on the daily sheet it calls its "rate sheet". The card and currency-note columns each carry a different rate from the TT rate.
Card and cash rates carry wider margins than TT rates. Do not use a card rate to estimate what an inward wire will fetch.
On USD the card cash-out rate is ₹0.40 below the TT buying rate, and the currency-note rate is ₹0.90 below it.
| Card and cash transaction | USD rate today |
|---|---|
| Loading or reloading a forex card | 96.69 |
| Cashing out from a forex card | 92.29 |
| Currency notes (bank buying cash from you) | 91.79 |
| Currency notes (bank selling cash to you) | 97.19 |
USD to INR at DCB Bank today
If the dollar is the only currency you deal in, this is the whole sheet in four rows. Which rate applies depends on what you are doing, not on which one you saw first.
Published 4 September 2026 at 4:00 PM. DCB Bank revises intraday, so re-check the sheet before you rely on a figure for accounting.
Those are the numbers. What follows is where the margin inside them comes from, and what it costs on a real invoice.
See what the same transfer would pay you at Xflow
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What getting paid from abroad really costs you
The rate is only part of the bill. If money comes in from abroad every month, four other things cost you money or time. None of them are on DCB Bank's rate sheet.
| The problem | What it costs you | What Xflow does |
|---|---|---|
| Every payment needs a declaration. Your bank needs a purpose code and a signed declaration before it converts and credits the money. | Paperwork on every single payment. The money waits on you, not on the wire. | Money reaches your Indian bank account the next working day. |
| You have to ask for the certificate every time. DCB Bank gives you a FIRA when you ask for it. Your CA needs it, and it closes the record the government keeps of your export (EDPMS). | A small fee on every payment, and you chase it each time. | You get the eFIRA on its own, every time. Nothing to ask for. |
| Matching payments to invoices takes time. Every payment needs a purpose code and invoice details, and the bank often emails you questions. | A few hours of work each month. If a record stays open, it can cause problems later. | Xflow can send your invoices, and it connects to Zoho Books, so payments match up where you already work. |
| You do not know the rate until the money lands. DCB Bank changes its sheet during the day. | You cannot plan the month, or pick a good day for a big invoice. | Xflow's FX AI Analyst shows rate forecasts and lets you set a target rate. It is a forecast, not advice, and not a promise. |
To be fair: this does not beat your bank at everything. If your current account, overdraft and trade limits are all with DCB Bank, keeping everything in one place may matter more than any row above. This adds up when money comes in from abroad a few times a month, every month.
| What you are doing | Rate that applies | DCB Bank USD rate today |
|---|---|---|
| Money coming in from a client abroad | TT buying rate (TTBR) | ₹92.69 |
| Sending money abroad | TT selling rate | ₹96.29 |
| Getting paid early on an export bill | Bills buying rate | ₹92.49 |
| Loading a forex card | Card rate | ₹96.69 |
Receive export payments the next working day, with the eFIRA issued automatically
RBI authorised
eFIRA issued automatically
Next-business-day settlement
Check DCB Bank's official rate sheet
DCB Bank publishes its own "rate sheet", and that document is the authority on the rate you will be given, not any figure quoted elsewhere. It is a web page the bank refreshes in place, so there is no file to keep.
Open it here: DCB Bank Foreign-Exchange Rate Schedule. The bank replaces it each working day, so the link always resolves to the current sheet, and the copy the figures above come from was published on 4 September 2026 at 4:00 PM.
What rate types does DCB Bank's forex sheet show?
DCB publishes a daily card rate sheet covering roughly 12 currencies, and each currency shows several rate types. Reading the right row matters, because the rate for a wire transfer differs from the rate for cash or a forex card. Understanding forex rates by type stops you comparing the wrong number.
| Rate type | When it applies | Direction |
|---|---|---|
| TT buying | Foreign money received by wire, foreign cheque or DD, converted to INR | Inward (money coming in) |
| TT selling | Foreign currency you buy for an outward wire | Outward (money going out) |
| Bill buying | Export bills or instruments the bank collects on your behalf | Inward |
| Bill selling | Import bills settled in foreign currency | Outward |
| Currency notes | Physical cash bought or sold at the branch | Both |
| Travel card | Loading or reloading a prepaid forex card | Outward |
"TT" stands for telegraphic transfer, the standard way a foreign bank wires money into India. For a services exporter, the TT buying row is the one to read. The cash and card lines are wider and are not what applies to an inbound wire, so treat them separately from your remittance. The type of transaction always sets the row, so match the row to how the money actually arrives.
Which DCB rate applies to an inward remittance?
The TT buying rate. When a US or EU client pays your invoice, the money arrives as a telegraphic transfer, and DCB converts it at that day's TT buying rate for the currency. This is the single figure that decides how many rupees you keep.
The TT buying rate is set below the market reference rate on purpose. The bank buys your dollars at a rate that builds in its FX margin, then may add a per-transaction fee and GST on top. So the rate is only part of the cost, and the amount credited to your current account is the real measure. A foreign inward remittance is best judged by the rupees that hit your account, not the headline rate on the sheet.
You can confirm the exact rate applied after the fact. The FIRA, or Foreign Inward Remittance Advice, that the bank issues for each credit shows the rate used, so you can check it against the market rate for that date.
What is the DCB Remit rate, and is it the rate you receive?
This trips up a lot of people, so it is worth being precise. DCB Remit is DCB's outward remittance platform: it lets a resident in India send money abroad to 20+ countries, and you do not need a DCB account to use it. The DCB Remit rate you see quoted online is the rate for money going out of India, not the rate for money coming in.
If you are an exporter receiving payment from overseas, the DCB Remit rate is not the figure that applies to you. Your inward money is converted at the TT buying rate described above. It is an easy mix-up because both sit under DCB's forex banner, but they run in opposite directions. The distinction between inward remittance vs outward remittance decides which rate and which rules apply to a given transaction.
DCB Remit markets no transfer fees and competitive rates on outward transfers, with money reaching the beneficiary within about 24 hours and a per-transaction and annual cap of USD 25,000, inside the wider USD 250,000 LRS limit. Useful if you send money out. For inbound export earnings, keep your attention on the TT buying rate and the fees around it.
Why is DCB's inward rate lower than the market rate?
Three things sit between the market rate and the rupees you receive. Seeing them separately makes the cost legible instead of a single mystery number.
- Forex markup: DCB buys your foreign currency at a rate marked below the market reference rate, typically in the region of 1% to 3% depending on currency, amount, account type and relationship. This margin is built into the TT buying rate, so it rarely shows as a line item. It is the largest part of the cost on most transfers.
- Transaction fee: a flat or slab-based charge can apply per inward remittance, separate from the FX margin. On smaller invoices this fee is a bigger share of the total, which is why frequent low-value receipts feel expensive. Other bank charges for foreign remittance such as correspondent or SWIFT deductions can also reduce the amount before it reaches you.
- GST: goods and services tax applies to the bank's currency-conversion service on a prescribed slab, and to the transaction fee. It is small relative to the FX margin but real, and it stacks on top.
The market reference the markup is measured against is the interbank rates that banks trade at wholesale, which the public does not access directly. Separately, note that TCS is not a forex charge; if it applies to your situation, TCS on foreign remittance is a tax collected and credited against your return, not money lost.
DCB Bank forex card charges
Forex cards are an outward product, so they do not affect the rupees you receive on an export payment. They matter only if you also load a card for travel or overseas spend, and searchers ask about them, so here is the factual position.
DCB loads a forex or travel card at the day's card rate plus a markup, generally in the 1% to 3% band, with GST on the conversion. Cross-currency use of the card abroad can attract a further fee. One published exception is the DCB Niyo Visa Platinum debit card, marketed with no markup over the mid-market rate on international spends. Card rates and the wire TT rates are different lines on the sheet, so do not read one as the other.
When you spend on such a card abroad, the choice of dcc vs non dcc settlement also changes the rate you actually pay.
How does the amount you receive actually work out?
Here is an indicative worked example on a $1,000 inward payment, using an illustrative market rate of ₹87.00. Actual figures move daily and depend on your account and the currency, so treat this as a method, not a quote.
| Step | Basis | Indicative amount |
|---|---|---|
| Market value at ₹87.00 | 1,000 x 87.00 | ₹87,000 |
| Converted at TT buying rate (approx 1.75% below) | 1,000 x 85.48 | ₹85,480 |
| Less transaction fee and GST | flat fee plus tax | approx ₹85,000 to ₹85,200 |
So on a $1,000 receipt the gap between the market value and what lands is roughly ₹1,800 to ₹2,000 in this example, most of it inside the rate rather than shown as a fee. Scale that across a month of client invoices and the FX margin, not the visible charge, is where the money goes. This is why comparing only the flat fee understates the true cost of receiving money.
How do you reduce what DCB's rate costs you?
You cannot change the market rate, but you can narrow the gap between it and what you receive. A few practical levers help, and none of them require leaving your bank if you would rather not.
- Check the FIRA rate against the market rate for that date: this is the fastest way to see your real markup. If the gap is consistently wide, you have a number to take into a conversation with the branch.
- Ask for a better rate on larger receipts: the FX margin is negotiable at volume, and relationship or account tier can move it. Banks quote a sharper TT buying rate when the amount justifies it, so it is worth asking before a big invoice settles.
- Do not let timing be an accident: the rate on the day money happens to land may not be the best rate that week. Holding the currency and converting on a chosen day, rather than at credit, puts the timing back in your hands.
- Compare the total, not the rate alone: a route with a slightly lower rate but no per-transaction fee can beat a headline rate on small receipts. Add the FX margin, the fee and GST together before you judge which channel is cheaper for your invoice sizes.
Where do you check the DCB Bank exchange rate today?
DCB updates its card rates through the business day, so any figure you read is a snapshot. Do not rely on a third-party page or a stale blog for the number you will actually be quoted.
- DCB Bank forex rates page: the bank's official rates section publishes the current TT, bill, cash and card rates by currency. This is the primary source for the exchange rate today.
- Your FIRA or advice: after a credit, the FIRA shows the exact rate applied, which is the only rate that truly counts for that transfer.
- A market reference: check the live mid-market rates for the same currency and date to see the gap between the market rate and your TT buying rate.
Because the rate moves, timing a conversion is a judgement call. A multi currency account lets you hold the foreign currency and convert when the rate suits, rather than accepting the rate on the day the money happens to arrive.
How does DCB's inward rate compare to the mid-market rate?
Banks mark up a rate the public cannot see and quote you the net. Platforms built for inward payments take a different route: they convert at the live mid-market rate, the same rate you find on a currency search, and charge a visible fee instead of burying the cost in the rate. That is the honest comparison to make.
Xflow settles inward remittances at the live mid-market rate with fees shown up front, credits INR on a T+1 next-business-day basis, and can meaningfully reduce FX cost versus a typical bank route, depending on your volume and currency. The FX AI Analyst adds limit orders, so you set a target USD/INR rate and the conversion executes when the market reaches it. That is a rate-timing tool, not investment advice.
Compliance does not change when you move off a bank wire. You still get a valid FIRC for each receipt, and EDPMS and SOFTEX reporting continue as before. Xflow holds final RBI Payment Aggregator - Cross Border (PA-CB) authorisation for both exports and imports as of February 2026, and is ISO 27001 and SOC 2 certified, so the regulatory workflow your CA relies on stays intact. If you want the receiving side first, start with what an inward remittance involves and where the cost hides.
For a wider view, the same rate mechanics apply at other banks. You can compare SBI forex rates, HDFC bank forex rates and RBL bank forex rates using the same read-the-TT-buying-rate approach set out here.
Check the cost on your own invoice amount
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Frequently asked questions
It is the rate at which DCB converts a foreign inward remittance, received by wire, foreign cheque or demand draft, into rupees. For a services exporter receiving client payments, this is the rate that decides how many rupees you keep, and it sits below the market reference rate.
No. DCB Remit is DCB's outward platform for sending money abroad from India, so its quoted rate applies to money going out. Money you receive from overseas is converted at the TT buying rate, which is a different figure on the rate sheet.
Use DCB Bank's official forex rates page for the current TT, bill, cash and card rates, as they update through the day. After a transfer, your Foreign Inward Remittance Advice, or FIRA, shows the exact rate that was applied to your money.
The markup is typically in the region of 1% to 3% over the market reference rate, built into the TT buying rate rather than shown as a line item. It varies by currency, amount, account type and your relationship with the bank, and a transaction fee plus GST can apply on top.
DCB loads a forex or travel card at the day's card rate plus a markup, usually 1% to 3%, with GST on the conversion and possible cross-currency fees abroad. The DCB Niyo Visa Platinum debit card is marketed with no markup over the mid-market rate. Card rates are separate from inward wire rates.
Because the TT buying rate carries an FX margin below the market rate, and a transaction fee and GST reduce it further. Most of the cost is inside the rate, not the visible fee, so comparing only fees understates the real cost of an inward remittance.
No. A compliant receiving route still issues a valid FIRC for each credit, and EDPMS and SOFTEX reporting continue unchanged. The downstream compliance workflow your accountant follows does not change when you switch the receiving channel.
No. The TT buying rate sits below the mid-market rate, and that gap is the bank's margin on the conversion. DCB Bank publishes both a buying and a selling rate each working day and revises them intraday. Today's figures, with the time DCB Bank published them, are in the rate table at the top of this page.
The TT rate applies to wire transfers, so it is the one used when an inward remittance is credited to your account. The card rate applies to forex travel cards and carries a wider margin. Do not use a card rate to estimate what an inward wire will fetch. Both are in the table at the top of this page.
