The J&K Bank forex rate today for USD to INR is 1 USD = ₹93.50 at the TT buying rate, from the rate sheet dated 9 Nov 2026 at 1:25 PM IST. Its TT selling rate is ₹94.60.
These rates refresh every working day from the Jammu and Kashmir Bank rate sheet. TT buying is the rate that applies when money arrives from abroad, and the bank may revise its card rates during the day.
₹93.50
₹94.60
9 Nov 2026, 1:25 PM IST
J&K Bank forex rates today
Here is the J&K Bank exchange rate for the 8 main currencies on its sheet of 4 Nov 2026, 9:20 AM IST, in rupees per unit.
| Currency | Money coming in (TT buying) | Money going out (TT selling) | Bills buying | Cash notes buying |
|---|---|---|---|---|
| USD, US dollar | 93.50 | 94.60 | 93.35 | 92.60 |
| GBP, British pound | 125.09 | 126.78 | 124.94 | 124.19 |
| EUR, euro | 104.29 | 105.82 | 104.41 | 102.91 |
| JPY, Japanese yen (per 100) | 58.63 | 60.46 | 58.43 | 57.63 |
| CHF, Swiss franc | 113.89 | 116.20 | 113.64 | 112.79 |
| CAD, Canadian dollar | 65.92 | 67.58 | 65.72 | 65.02 |
| AUD, Australian dollar | 63.90 | 65.60 | 63.70 | 63.00 |
| SAR, Saudi riyal | 24.77 | 25.39 | 24.74 | 24.57 |
- Export payment by bank transfer: the TT buying rate sets how many rupees land in your account.
- Sending money abroad: the bank sells you foreign currency at the TT selling rate.
- Cash notes: the cash buying rate is lower than TT buying, so cash gets fewer rupees.
For the mid-market USD to INR rate without a bank margin, use our USD to INR converter.
J&K Bank dollar rate over the last 10 working days
One row is added each working day, so you can see if today's J&K Bank dollar rate is better or worse than last week.
| Date | Money coming in (₹ per USD) | Change from the day before |
|---|---|---|
| 9 Nov 2026 | 93.50 | -0.10 |
| 6 Nov 2026 | 93.60 | -0.20 |
| 5 Nov 2026 | 93.80 | -0.20 |
| 4 Nov 2026 | 94.00 | First saved day |
How many rupees you get for a USD payment at J&K Bank
The calculator compares Xflow's live rate with a typical bank rate, not J&K Bank's own rate.
USD payment: typical bank rate vs Xflow
FX rate
INR amounts with others
Banks
FX rate
J&K Bank charges on money received from abroad
J&K Bank's charges depend on the type of credit. These are its published amounts, as of its schedule dated 4 Nov 2025.
| Charge | Amount (excl. GST) |
|---|---|
| Inward credit to NRE, NRO, FCNR, RFC or EEFC account | No commission |
| Other inward remittances, not related to exports | Rs 250 up to Rs 2.5 lakh, Rs 500 above |
| Export bills | Rs 1,000 up to Rs 10 lakh, Rs 2,000 above, per bill |
| FIRC or e-FIRC | Rs 350 each (duplicate Rs 500) |
| Outward remittance, for reference | 0.075%, minimum Rs 1,000 |
SWIFT and other out-of-pocket costs are charged at actual cost. J&K Bank does not publish a GST table for currency conversion.
If a bank uses the Rule 32(2)(b) slab method, GST on currency conversion works out to 0.18% of the amount up to Rs 1 lakh (minimum Rs 45), then Rs 180 plus 0.09% of the amount from Rs 1 lakh to Rs 10 lakh, capped at Rs 10,800.
Which J&K Bank rate applies to you
- Export payment: TT buying, the rate for money that arrives by bank transfer.
- Sending money abroad: TT selling, the rate at which the bank sells you currency.
- Forex card: the J&K Bank forex card rates on the sheet, which were not quoted on 4 Nov 2026.
- Cash: cash buying when you sell notes, cash selling when you buy them.
Getting paid from abroad? See the rate before you convert
J&K Bank vs Xflow for money coming in
Both turn a foreign payment into rupees, but they price it differently.
Compare the rate, the fee and the paperwork side by side.
| What you compare | J&K Bank | Xflow |
|---|---|---|
| Rate used | TT buying rate from its daily sheet | Mid-market rate, with the fee as an FX mark-up |
| Fee on a USD 1,000 payment | Rs 250 to Rs 2,000, by type of credit, plus SWIFT costs | Flat $12 up to $2,000, 0.6% above that |
| Payment certificate (FIRC/e-FIRA) | Rs 350 per FIRC or e-FIRC | e-FIRA included with every payout |
| When INR reaches you | See the bank's schedule | Next business day |
Forex rates at other Indian banks
Compare the same rates at larger Indian banks.
Frequently asked questions
J&K Bank publishes a new sheet each working day. The 4 Nov 2026 sheet was uploaded at 9:20 AM IST, and the bank may revise rates during the day.
The TT buying rate applies when a client pays you by bank transfer from abroad.
Yes. It charges Rs 350 per FIRC or e-FIRC, and Rs 500 for a duplicate, excluding GST.
TT buying is what the bank pays you for foreign currency. TT selling is what you pay the bank for it.
Inward remittance credits to NRE, NRO, FCNR, RFC or EEFC accounts carry no commission. Other inward credits cost Rs 250 or Rs 500, and export bills cost more.
Not always. The sheet says rates can be revised during the day, so the rate at credit may differ.
