The Saraswat Bank forex rate today for USD to INR is 1 USD = ₹92.47 at the TT buying rate, from the rate sheet dated 5 Nov 2026 at 09:11 IST. Its TT selling rate is ₹96.24.
The Saraswat Bank forex rate and the table below refresh every working day from the bank's own rate sheet.
TT buying applies when money arrives from abroad, and the sheet rates cover transactions up to USD 1,000 or its equivalent only.
₹92.47
₹96.24
5 Nov 2026, 09:11 IST
Saraswat Bank forex rates today
Here is the Saraswat Bank exchange rate for all 11 currencies on the Saraswat Co-operative Bank sheet of 4 Nov 2026, 09:11 IST, in rupees per unit.
| Currency | Money coming in (TT buying) | Money going out (TT selling) | Bills buying | Cash notes buying |
|---|---|---|---|---|
| USD, US dollar | 92.47 | 96.24 | 92.23 | 92.00 |
| GBP, British pound | 124.74 | 129.84 | 124.43 | 124.11 |
| EUR, euro | 104.12 | 108.37 | 103.85 | 103.59 |
| AED, UAE dirham | 25.18 | 26.21 | 25.11 | 25.05 |
| AUD, Australian dollar | 64.88 | 67.52 | 64.71 | 64.54 |
| CAD, Canadian dollar | 66.27 | 68.97 | 66.10 | 65.93 |
| SGD, Singapore dollar | 72.46 | 75.42 | 72.27 | 72.09 |
| CHF, Swiss franc | 113.58 | 118.22 | 113.29 | 113.00 |
| CNY, Chinese yuan | 13.86 | 14.43 | 13.83 | 13.79 |
| HKD, Hong Kong dollar | 11.79 | 12.27 | 11.76 | 11.73 |
| JPY, Japanese yen (per 100) | 58.54 | 60.93 | 58.39 | 58.24 |
- 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 or forex card: both use the lower cash and card buying rate, so you get fewer rupees.
For the mid-market USD to INR rate without a bank margin, use our USD to INR converter.
Saraswat Bank dollar rate over the last 10 working days
One row is added each working day, so you can see if today's Saraswat Bank dollar rate is better or worse than last week.
| Date | Money coming in (₹ per USD) | Change from the day before |
|---|---|---|
| 5 Nov 2026 | 92.47 | -0.20 |
| 4 Nov 2026 | 92.67 | First saved day |
How many rupees you get for a USD payment at Saraswat Co-operative Bank
The calculator compares Xflow's live rate with a typical bank rate, not Saraswat's own rate.
USD payment: typical bank rate vs Xflow
FX rate
INR amounts with others
Banks
FX rate
Saraswat Co-operative Bank charges on money received from abroad
Saraswat's trade forex schedule lists these charges, as of its version dated 2 Nov 2026.
| Charge | Amount (excl. GST) |
|---|---|
| Inward remittance without FIRC (instructions received from the foreign bank) | Rs 250 |
| Inward remittance to NRI accounts | Free |
| e-FIRC issue and upload | Free (duplicate FIRC Rs 500) |
| SWIFT message | Rs 650 each |
| Outward remittance, for reference | 0.15%, minimum Rs 500, maximum Rs 20,000, plus SWIFT |
Saraswat publishes a GST table for currency conversion based on Rule 32(2)(b), with taxes added over and above its charges.
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 Saraswat Co-operative 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 Saraswat Bank forex card rates column, which matched the cash rates 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
Saraswat Co-operative 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 | Saraswat Co-operative Bank | Xflow |
|---|---|---|
| Rate used | TT buying rate from its daily sheet, up to USD 1,000 | Mid-market rate, with the fee as an FX mark-up |
| Fee on a USD 1,000 payment | See the bank's schedule (Rs 250 for an inward remittance without FIRC) | Flat $12 up to $2,000, 0.6% above that |
| Payment certificate (FIRC/e-FIRA) | e-FIRC free | 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
Saraswat publishes a new sheet each working day. The 4 Nov 2026 sheet was dated 09:11 IST, and rates can change during the day.
The TT buying rate applies when a client pays you by bank transfer from abroad.
Yes. They apply to transactions up to USD 1,000 or its equivalent. Above that, the bank quotes a rate at its forex centre.
No. Issuing and uploading an e-FIRC is free, and a duplicate FIRC costs Rs 500.
Yes. Its schedule applies GST at 18% on a value worked out under Rule 32(2)(b).
TT buying is what the bank pays you for foreign currency. TT selling is what you pay the bank for it.
