RBL Bank's USD to INR rate today is ₹92.08 for money coming in.
- TT buying rate: ₹92.08. What you receive on an inward transfer.
- Card rate: ₹93.73. Forex card and cash.
- TT selling rate: ₹96.82. What you pay to send money out.
From the sheet RBL Bank published on 7 September 2026 at 09:00 AM, and refreshed here twice a day. The major currencies are in the table below; RBL Bank publishes 17 in total on its own sheet.
RBL Bank forex rates today
RBL Bank's USD TT buying rate today is ₹92.08, with the major currencies in the table below.
These figures come from the sheet RBL Bank published on 7 September 2026 at 09:00 AM. 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 card rate as published. Above that, rates are set by the bank.
Source: RBL Bank Card Rates (PDF), published by RBL 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 | 92.08 | 96.82 | 91.61 | 93.73 | 97.05 |
| EUR Euro | 106.91 | 112.42 | 106.37 | 108.01 | 112.69 |
| GBP Great Britain Pound | 124.40 | 130.81 | 123.76 | 125.68 | 131.13 |
| AED U.A.E. Dirham | 24.55 | 26.88 | 24.36 | 25.19 | 26.62 |
| AUD Australian Dollar | 66.67 | 69.41 | 66.50 | 67.01 | 69.92 |
| CAD Canadian Dollar | 66.71 | 69.81 | 66.54 | 67.56 | 69.29 |
| SGD Singapore Dollar | 73.01 | 76.01 | 73.01 | 73.76 | 75.64 |
| CHF Swiss Franc | 113.58 | 119.44 | 113.87 | 114.75 | 119.73 |
| JPY Japanese Yen | 0.5900 | 0.6205 | 0.5930 | 0.5991 | 0.6144 |
RBL Bank TT buying rate today
RBL Bank's TT (telegraphic transfer) buying rate for USD is ₹92.08 on the sheet published 7 September 2026 at 09:00 AM.
This is the number that determines an exporter's payout. When a client abroad wires you dollars, RBL 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 ₹9,20,800 before GST and any certificate fee.
Against the mid-market rate, the gap looks like this:
- Mid-market reference: ₹94.55
- RBL Bank TT buying: ₹92.08
- Gap: 2.61%, or about ₹24,700 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 ₹94.55 on 7 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.
RBL Bank TT selling rate today
RBL Bank's TT selling rate for USD is ₹96.82 as of the same sheet.
This is the rate you pay when RBL 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 ₹4.74 per dollar, or 5.1% of the buying rate. Buy and sell the same dollar on the same day and that spread is what the bank keeps.
RBL Bank rate sheet today
RBL 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 ₹1.65 above the TT buying rate, and the currency-note rate is ₹0.71 below it.
| Card and cash transaction | USD rate today |
|---|---|
| Loading or reloading a forex card | 97.05 |
| Cashing out from a forex card | 93.73 |
| Currency notes (bank buying cash from you) | 91.37 |
| Currency notes (bank selling cash to you) | 96.82 |
USD to INR at RBL 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 7 September 2026 at 09:00 AM. RBL 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 RBL 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. RBL 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. RBL 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 RBL 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 | RBL Bank USD rate today |
|---|---|---|
| Money coming in from a client abroad | TT buying rate (TTBR) | ₹92.08 |
| Sending money abroad | TT selling rate | ₹96.82 |
| Getting paid early on an export bill | Bills buying rate | ₹91.61 |
| Loading a forex card | Card rate | ₹97.05 |
Receive export payments the next working day, with the eFIRA issued automatically
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eFIRA issued automatically
Next-business-day settlement
Download RBL Bank's rate sheet PDF
RBL 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 PDF you can download and keep.
Open it here: RBL Bank Card Rates. 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 7 September 2026 at 09:00 AM.
Check the date printed inside the file before you use it. A saved copy keeps its old numbers, and a bank sheet from last week is a different rate, not a rounding difference.
RBL Bank forex rates, explained
RBL Bank forex rates are the daily buying and selling prices the bank sets for converting between foreign currency and Indian rupees. The bank publishes them as a "Card Rate" sheet from its Treasury in Mumbai, usually around 9:00 AM on each working day, and can revise them intraday if the market moves sharply.
The sheet is not one rate. It lists several rates per currency, and the one that matters to you depends on how the money moves. When you receive a foreign payment into India, the bank applies its TT buying rate. That rate already includes a margin over the underlying market rate, which is why the rupees credited to you fall short of what a currency converter shows.
Note that these are bank-quoted rates that change every day. Any rupee figure in this guide is indicative, as of July 2026, and only illustrates the mechanics. Always check RBL's live sheet before you act on a number.
The card-rate model shown here is standard across Indian banks, so a lender such as sbm bank forex rates publishes its sheet the same way.
What are the different RBL Bank forex rates?
Banks quote different rates for different transaction types because the cost and risk of each differ. On an RBL card rate sheet you will typically see the following, each with a separate column for buying and selling.
- TT buying rate: the rate used when foreign currency arrives by telegraphic transfer and is converted to rupees, for example when an overseas client pays you. This is the rate that governs your export earnings.
- TT selling rate: the rate used when you buy foreign currency for an outward transfer, such as paying an overseas vendor.
- Bill buying and bill selling rates: used for trade documents, where bill buying applies to export proceeds routed through a bill and bill selling to import payments.
- Forex card load and reload rate: the rate applied when rupees are converted to load a prepaid travel card.
- Forex card offload rate: the rate applied when unused foreign currency on a card is converted back to rupees.
- Currency notes buying and selling rates: the rates for physical cash exchange, which usually carry the widest margin.
To understand how these fit into the wider picture, our explainer on bank foreign exchange rates walks through each rate type across Indian banks.
| Rate type | When it applies | Direction | Relevant to a services exporter? |
|---|---|---|---|
| TT buying | Foreign payment received by transfer | You receive INR | Yes, this is your rate |
| TT selling | You send money abroad | You pay INR | For outward payments |
| Bill buying | Export proceeds via a bill | You receive INR | Sometimes |
| Forex card load | Loading a travel card | You pay INR | No, travel only |
| Forex card offload | Unloading a travel card | You receive INR | No, travel only |
| Currency notes | Physical cash exchange | Either | Rarely |
Because most of these are aimed at travel and cash, a business receiving client payments only needs to track one row: the TT buying rate. For a deeper primer on how rates are quoted in the first place, see our guide to forex rates.
The same single-row focus on the TT buying rate applies at other banks, including federal bank forex rates.
Which RBL Bank rate applies when you receive foreign money?
When an overseas client pays your invoice and the funds reach RBL Bank, the bank converts the foreign currency into rupees at its TT buying rate for that currency and that day. This is the mechanism behind every foreign inward remittance into a bank account.
Two things decide how many rupees you receive: the TT buying rate on the day, and any charges deducted alongside it. The rate is the larger lever. A rupee of difference on the rate, multiplied across a $50,000 month, dwarfs a one-time SWIFT charge.
It helps to know the difference between money coming in and money going out, because the rate and the compliance both differ. Our explainer on inward remittance vs outward remittance covers this split, and if the term itself is new, start with what a foreign inward remittance actually is.
Public-sector banks apply the identical inward-remittance mechanism, as our guide to bank of india forex rates shows.
Why is RBL Bank's rate lower than the market rate?
The rate you see on Google or a currency app is the mid-market rate, the midpoint between global buy and sell prices. No bank gives a retail customer that exact rate. Banks build their card rate from a wholesale reference called the interbank rate, then add a margin.
The mechanics are worth understanding, because the gap is where your money goes.
- The mid-market rate is the live, public reference figure. It is the fairest benchmark to measure any bank against.
- The interbank rate is the wholesale price at which banks trade with each other. It is close to the mid-market rate but not public, which is why individuals cannot access it directly.
- The markup is the spread RBL adds on top before quoting you a TT buying rate. Public comparisons put a typical bank markup on inward remittances in the region of 1% to 2.5% over the mid-market rate, with no fixed formula.
That markup is not disclosed as a line item. It is baked into the rate, so it looks like the rate is just what it is. There is no fixed figure either. The rate can vary with the amount, your account type and your relationship with the bank, which is why two businesses receiving the same dollar amount on the same day can end up with different rupee credits.
Currency movement adds a second layer. Because RBL fixes the day's rate each morning, the figure can shift between the moment you invoice and the moment you are paid. For an exporter with predictable monthly flows, that timing swing is worth watching as closely as the markup itself, since a payment that lands on a weak-rupee morning quietly erodes a month of margin.
Rupee liquidity behind these rates also shifts with RBI policy levers, so our explainer on the cash reserve ratio is useful background.
RBL Bank forex card rates and charges
RBL Bank also offers the Borderless Prepaid Forex Card, a travel product for carrying foreign currency abroad. It is separate from receiving business payments, but it appears often in searches, so here are the facts.
- Load and offload rates: loading the card converts rupees to foreign currency at the card load rate; converting the unused balance back uses the offload rate. Both sit on the same daily sheet.
- Transaction charges: the card is marketed with nil charges on point-of-sale and e-commerce spends in the loaded currency; cross-currency use and ATM withdrawals abroad usually attract fees per the bank's schedule.
- Applicability: this card is for outbound travel spending, not for receiving client payments. A services exporter collecting invoice payments does not use a forex card at all.
Alongside the rate, an inward transfer can carry other bank charges, such as a receiving or handling fee and a certificate-issuance fee. Our breakdown of bank charges for foreign remittance covers what to expect on the deductions side.
A worked example: what the markup costs on real volume
Here is an indicative illustration, as of July 2026. It is not a live quote. The mid-market USD to INR rate in early July 2026 was roughly ₹95.5. Assume RBL applies a TT buying rate around 1.85% below that, near ₹93.8. The gap is about ₹1.75 per dollar.
| Line | Amount |
|---|---|
| Monthly USD received | $50,000 |
| At mid-market rate (~₹95.5) | ₹47,75,000 |
| At indicative RBL TT buying rate (~₹93.8) | ₹46,90,000 |
| Difference on the rate alone | ~₹85,000 per month |
| Annualised across 12 months | ~₹10.2 lakh per year |
That figure is the rate spread only, before any SWIFT or handling charges. For a services firm running steady monthly volume, the annual number is often the difference between hiring a person and not. It is also invisible on any single transaction, which is why it goes unquestioned for years.
The scaling matters more than the per-dollar gap. A markup that looks trivial on one $2,000 invoice compounds into a serious line item once you receive the same amount every week. This is why exporters who track the rate, not just the fee, tend to renegotiate their banking or move volume elsewhere. The first step is measurement: without comparing the applied rate to the market rate, the cost stays hidden, and a hidden cost is one you can neither budget for nor reduce.
If your client pays through a foreign bank, the same spread question applies to guides such as bank of america forex rates.
Where can you check RBL Bank forex rates today?
RBL Bank publishes its daily card rate on its own website. The rate you find there is indicative and updates each working morning, so treat it as a reference, not a locked quote.
- RBL's forex rate page: the bank hosts a daily Treasury card rate sheet listing TT, bill, card and cash rates by currency. This is the authoritative source for the day's figures.
- Your FIRA: every inward transfer generates a Foreign Inward Remittance Advice. The "Exchange Rate" field on it shows the rate RBL actually applied to your payment, which is the number that matters, not the indicative rate on the site.
- The gap check: compare the rate on your FIRA against the mid-market rate for the same day. The difference is the effective markup you paid.
To reconcile these documents with your compliance workflow, our page on FIRC vs FIRA explains how the certificate and advice fit together for export records.
You can run this FIRA-versus-mid-market gap check on any lender, including indian overseas bank forex rates.
How do RBL Bank's rates compare to other options?
RBL is one of several Indian banks a services exporter might receive through, and each publishes its own card rate with its own margin. It is worth comparing the same day's TT buying rate across banks rather than assuming they match. See how the mechanics read for SBI forex rates, HDFC Bank forex rates, Yes Bank forex rates and DBS Bank forex rates to benchmark RBL against peers.
The wider point is the pricing model itself. A bank card rate is a marked-up rate quoted against a private interbank reference. A cross-border payments platform built for inward flows works differently.
Xflow settles inward payments at the live mid-market rate with fees shown upfront, rather than folding a margin into the rate. Funds settle the next business day (T+1), and depending on your current bank pricing this can meaningfully reduce your FX costs compared with a marked-up card rate. You receive against a virtual receiving account issued by our banking partner, and eFIRA is generated automatically, so your export documentation stays intact. If timing the conversion matters, the FX AI Analyst lets you set a target USD/INR rate with limit orders. It is a target-rate tool, not investment advice.
For businesses that receive in more than one currency, holding balances in a multi currency account can also reduce the number of conversions you pay a spread on. The right choice depends on your volume, your currencies and how much rate transparency you want. There is no single answer that fits every exporter, and a bank you already hold accounts with carries its own convenience value. The honest test is simple: pull your last FIRA, find the rate applied, and compare it to that day's mid-market rate. If the gap surprises you, it is worth pricing an alternative before your next payment cycle.
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Frequently asked questions
RBL publishes a fresh card rate each working morning, usually around 9:00 AM, from its Mumbai Treasury. It changes daily and can be revised intraday, so check RBL's own forex rate page for the current figure rather than relying on a fixed number.
The TT buying rate. When foreign currency arrives by transfer, RBL converts it to rupees at that day's TT buying rate for the currency, which already includes the bank's margin over the market rate.
Banks quote a rate marked up over the mid-market rate, typically around 1% to 2.5% for inward remittances. The markup is built into the rate, not shown separately, so the credited amount is lower than a currency converter suggests.
Look at the "Exchange Rate" field on your FIRA, the Foreign Inward Remittance Advice issued for every inward transfer. That is the rate RBL genuinely applied, unlike the indicative rate published on the website.
No. The forex card load and offload rates are for a prepaid travel card. Receiving a client payment uses the TT buying rate. A services exporter collecting invoices does not use a forex card at all.
It depends on the day's spread, but a ₹1 to ₹2 difference per dollar on $50,000 a month runs to several lakh rupees a year on the rate alone, before other charges. Compare your FIRA rate to the mid-market rate to size your own gap.
Yes. Platforms built for inward flows, such as Xflow, settle at the live mid-market rate with visible fees and next business day settlement, which can reduce FX costs compared with a marked-up bank card rate, depending on your current pricing.
No. The TT buying rate sits below the mid-market rate, and that gap is the bank's margin on the conversion. RBL Bank publishes both a buying and a selling rate each working day and revises them intraday. Today's figures, with the time RBL 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.
