Standard Chartered Forex Rates Updated Today: TT & PDF

Standard Chartered's USD to INR rate today is ₹93.00 for money coming in.

Standard Chartered, often written as SCB, publishes these itself.

Every rate below comes from the sheet Standard Chartered published on 16 September 2026 at 9:05 AM, refreshed here twice a day.

Standard Chartered publishes a new rate sheet every working day and revises it as the market moves. Money arriving from abroad is converted at its TT (telegraphic transfer) buying rate, which sits below the mid-market rate. That gap is the markup, and it is separate from GST on the conversion.

Standard Chartered forex rates today

Standard Chartered's USD TT buying rate today is ₹93.00. If money is coming in to you, that is the rate that applies.

This sheet covers TT and bills rates, with no amount slab printed on the sheet. The sheet prints no amount band, so confirm the applicable rate with the bank before a large transfer.

Source: Standard Chartered India Treasury Counter Rates (PDF). Rates are indicative and subject to change with market movements. The rate that applies is the one prevailing when your account is credited.

Updated today, 9:05 AM

Taken from Standard Chartered's own rate sheet, published 16 September 2026 at 9:05 AM. Standard Chartered revises it during the day, so a settlement rate can differ. Refreshed here twice daily.

Standard Chartered USD to INR rate today: TT buying, TT selling and Bills buying rate

Which rate applies depends on what you are doing, not on which one you saw first.

What you are doing	Rate that applies	Standard Chartered USD rate today
Money coming in from a client abroad	TT buying rate (TTBR)	₹93.00
Sending money abroad	TT selling rate	₹98.76
Getting paid early on an export bill	Bills buying rate	₹93.00

What your USD invoice converts to today: a typical bank rate vs Xflow

USD Amount

FX rate

INR amount with others

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FX rate

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See what the same transfer would pay you at Xflow

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Download Standard Chartered's Treasury Counter Rates PDF

Standard Chartered publishes its own "Treasury Counter Rates", 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: Standard Chartered India Treasury Counter 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 16 September 2026 at 9:05 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.

Which Standard Chartered rate applies to an inward remittance?

When an overseas client pays you by bank wire and no trade documents change hands, the payment is treated as a clean inward remittance. Standard Chartered converts it at the TT buying rate.

TT stands for telegraphic transfer, the old name for a wire. The TT buying rate is always lower than the mid-market rate, because the bank buys your dollars for slightly fewer rupees than the true reference price and keeps the difference as its spread. This is normal for every bank, not unique to SCB.

The distinction matters because forex-card marketing rates or the mid-market number on a currency app can look better than what you receive. Neither is your rate. For a fuller picture of how incoming payments are handled end to end, our explainer on foreign inward remittance walks through the flow from wire to rupee credit.

If you also send money out of India, note the direction flips: outward transfers use the TT selling rate. The difference between receiving and paying is covered in inward remittance vs outward remittance.

A transfer needs the bank's routing code as well as its rate. Our directory lists every Standard Chartered SWIFT code by branch.

Standard Chartered TT buying rate today

Standard Chartered's TT buying rate for USD is ₹93.00, also written as TTBR, short for TT buying rate.

Mid-market reference: ₹95.99
Standard Chartered TT buying: ₹93.00
Gap: 3.11%, about ₹29,900 on a USD 10,000 invoice

Standard Chartered TT selling rate today

Standard Chartered's TT selling rate for USD is ₹98.76. This is what you pay when the bank sells you foreign currency, so it applies to money going out, not to export earnings coming in.

The gap between the two TT rates is ₹5.76 per dollar, or 6.2% of the buying rate. That spread is what the bank keeps.

If you are the one sending money out, school fees, a supplier or family, the selling rate above is your number, and the rest of this page is written for money coming in.

Standard Chartered rates for 10 major currencies today

Currency	TT Buying (inward)	TT Selling (outward)	Bills Buying
USD United States Dollar	93.00	98.76	93.00
EUR Euro	107.33	113.99	107.33
GBP Great Britain Pound	125.34	133.13	125.34
AED U.A.E. Dirham	25.32	26.89	25.32
AUD Australian Dollar	66.23	70.37	66.23
CAD Canadian Dollar	66.74	70.89	66.74
SGD Singapore Dollar	73.01	77.58	73.01
SAR Saudi Riyal	24.76	26.29	24.76
CHF Swiss Franc	113.53	120.60	113.53
JPY Japanese Yen	0.5986	0.6358	0.5986

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 Standard Chartered'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. Standard Chartered 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. Standard Chartered 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 Standard Chartered, 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.

Receive export payments the next working day, with the eFIRA issued automatically

RBI authorised

eFIRA issued automatically

Next-business-day settlement

A worked example of the effective rate

Say a client sends you USD 10,000 for a completed project. On the sheet Standard Chartered published on 16 September 2026 at 9:05 AM, its TT buying rate was ₹93.00. The mid-market reference that day was ₹95.99.

At the mid-market rate: 10,000 × 95.99 = ₹9,59,900
At Standard Chartered's TT buying rate: 10,000 × 93.00 = ₹9,30,000
Difference from the rate margin alone: ₹29,900, before GST and any certificate fee.

That ₹29,900 is the spread, not a fee you agreed to, and it recurs on every transfer settled at card rates.

One note on the reference: it is a daily rate, so the exact gap on your own transfer is the one on your credit advice.

A platform fee works differently. On the same invoice, Xflow's Growth plan charges 0.4% of the transfer value, about $40, with no markup on the mid-market rate, so the cost sits in a visible fee instead of inside the rate. Both that fee and the bank figures above are before GST, which applies either way.

How to read a Standard Chartered rate sheet line by line

The sheet can look dense, but you only need three things from it:

Find your currency row: usually USD, GBP, EUR, AUD, CAD or SGD near the top of the sheet.
Move to the TT buying column: not TT selling, bill or card, since an inward payment is a clean telegraphic transfer.
Read the timestamp in the header: a rate quoted at 9 a.m. can move by afternoon, so check how fresh it is.

One quiet trap: the number on the sheet is a price per unit of foreign currency, so a higher TT buying figure means more rupees for you. Note it down, open your currency app at the same time for the mid-market rate, and the difference between the two is the spread you are paying on that payment. Do this once and the rest of the sheet stops mattering.

What are Standard Chartered forex rates and how is the rate sheet built?

A bank rate sheet is not a single price. Standard Chartered, like every Authorised Dealer bank in India, quotes several rates for the same currency pair, and each applies to a different kind of transaction. Reading the wrong column is the most common reason people misjudge what they will receive.

The rates all move off one hidden reference: the interbank rate (IBR), the wholesale price at which large banks trade currency among themselves. The bank adds a margin to that reference in your favour when it sells and against you when it buys. To understand this properly, it helps to first read what are forex rates before applying it to one bank.

Barclays, another foreign bank operating in India, builds its sheet the same way, as Barclays Bank forex rates show.

Here is what the columns on an SCB rate sheet mean:

Rate on the sheet	What it is	When it applies to you
TT buying	Rate the bank pays to buy foreign currency from you	Clean inward payments, such as a client settling your invoice by wire
TT selling	Rate the bank charges to sell you foreign currency	Outward payments and remittances leaving India
Bill buying	Buying rate for document-backed export collections	Trade transactions where physical documents are verified
Bill selling	Selling rate for document-backed import payments	Import bills requiring paperwork checks
Card rate	Rate for forex cards and physical currency notes	Travel cards and cash, carrying the widest margin

For a services exporter, the TT buying rate is the one that matters. That is the line the bank uses when a clean inward wire arrives and gets converted to rupees. The card and bill columns are separate products and do not apply to a normal software or consulting payment.

Why do Standard Chartered's forex rates differ from the market rate?

The rate on Google, XE or your currency app is the mid-market rate (MMR): the midpoint between global buy and sell prices, and a fair benchmark. Almost nobody transacts at exactly that number. Banks build their customer rates off the interbank rate and add a margin, so what you receive lands below the mid-market figure.

Two layers create the gap on an inward payment:

The spread: the difference between the bank’s TT buying rate and the mid-market rate. Depending on the currency and your relationship with the bank, this markup commonly runs between one and three per cent of the transfer value, taken quietly inside the exchange rate rather than shown as a line item.
The explicit charges: a flat inward remittance fee, plus 18 per cent Goods and Services Tax on that fee and on the conversion charge.
The correspondent deduction: banks abroad in the payment chain can each skim a handling charge, often USD 10 to USD 50, before the money reaches India, so the amount converted can already be short.

The reason this feels invisible is that banks quote a small-sounding markup in paise while the mid-market rate hides in the background. Comparing the interbank rate against the mid-market rate side by side makes the spread far easier to see.

Indian private banks price it much the same, so Kotak Mahindra Bank forex rates carry comparable spreads.

To see how far the sheet sits from the live market, check the current USD to INR rate and compare it with the TT buying figure above.

How Standard Chartered forex rates compare, and where you can keep more

Standard Chartered is a large, well-regulated bank, and for many businesses the banking relationship, credit lines and branch access outweigh a point or two on FX. That is a fair trade for some. If FX cost is a smaller concern than your overall banking relationship, the bank rate may be acceptable.

Where it stops being acceptable is at volume. A one to three per cent spread on every inward payment compounds quickly for a services exporter billing lakhs each month, and because the markup hides inside the rate, it rarely shows up in a cost review. This is the same pattern across large banks, which is why it is worth comparing SCB against peers such as hsbc bank forex rates, sbi forex rates, punjab national bank forex rates, yes bank forex rates and citi bank forex rates rather than assuming one bank is clearly better.

This is the gap Xflow was built to close, and we will be plain about it. Xflow settles inward payments at the live mid-market rate with the fee shown separately, rather than buried in a spread, and money reaches your account on a next-business-day (T+1) basis. Businesses moving meaningful volume can keep noticeably more of each payment than a typical bank markup would leave them, though the exact difference depends on your currency, ticket size and the bank you compare against.

Xflow holds final Payment Aggregator - Cross Border (PA-CB) authorisation from the Reserve Bank of India for both exports and imports, as of February 2026, and is ISO 27001 and SOC 2 certified. It receives inward payments into India and does not issue forex cards or handle travel money. Your downstream compliance does not change: you still receive a Foreign Inward Remittance Certificate, and your purpose codes and EDPMS entries carry on as before.

For businesses that want to convert at a target price rather than whatever the rate is on the day the money lands, the FX AI Analyst lets you set a limit order at a rate you choose. It is a target-rate tool, not investment advice, and it does not predict the market for you.

If locking your conversion price matters, our explainer on a guaranteed rate shows how a fixed rate works.

Check the cost on your own invoice amount

$12 flat up to $2,000

Then 0.6%

No FX markup

How to read any bank's forex rate and lose less

Standard Chartered publishes its rate sheet every working day and revises it intraday. On 16 September 2026 its USD TT buying rate was ₹93.00, about 3.11% below a daily mid-market reference rate of ₹95.99.

If you receive export income, the TT buying rate is the one that applies to you. Check it on the sheet, then check your Foreign Inward Remittance Advice (FIRA) to see what rate actually applied.

Frequently asked questions

No. The TT buying rate sits below the mid-market rate, and that gap is the bank's margin on the conversion. Standard Chartered publishes both a buying and a selling rate each working day and revises them intraday. Today's figures, with the time Standard Chartered 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.

They are the daily buying and selling prices the bank sets to convert foreign currency to and from Indian rupees. The sheet shows TT, bill and card rates; a clean inward payment converts at the TT buying rate, which sits below the mid-market rate.

The TT buying rate. When an overseas client wires payment and no trade documents are involved, the bank buys your foreign currency at its TT buying rate and credits rupees, keeping the spread between that rate and the mid-market rate.

Use the dated daily FX rate sheet PDF on Standard Chartered’s India website, the SC Mobile app, or ask your branch. Read the TT buying column for an inward payment and note the timestamp, since rates change through the day.

Google shows the mid-market rate, a benchmark almost nobody transacts at. Banks add a margin to the interbank rate, so your TT buying rate lands below the mid-market figure, and the difference is the bank’s spread.

Yes. Standard Chartered publishes a dated FX rate sheet PDF for its India operations, refreshed each working day. It marks rates as indicative and subject to change, so confirm the timestamp before acting on it.

Expect a rate spread commonly between one and three per cent hidden in the exchange rate, a flat inward fee of a few hundred rupees, 18 per cent GST on the fees, and any correspondent-bank deduction abroad. Together these can reach a few per cent of the transfer.

Some providers, including Xflow, settle inward payments at the live mid-market rate with the fee shown separately, so you keep more of the payment than a typical bank markup would leave you, with the exact difference depending on currency and volume. Your FIRC and compliance continue unchanged.

Forex rates at other Indian banks

We read the published rate sheet at every major Indian bank. Each page below is refreshed from that bank's own sheet on the same schedule as this one.

Public sector banks