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Xflow uses the Mid-Market Rate (MMR) to calculate the transaction rate.

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U72900KA2021FTC149049
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support@xflowpay.com
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USD to INR converter

829.00 USD to INR converter

Convert USD to INR at live exchange rates. With Xflow, you get transparent rates, faster transfers, and no hidden markups.

Calculate your extra savings

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INR 79,040.84

FX rate

INR 95.3448

INR amounts with others

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INR 79,015.06

FX rate

INR 95.3137

Banks

INR 76,531.62

FX rate

INR 92.3180

Disclaimer: Last updated at June 2, 2026, 22:38 IST

Payout Comparison for USD 829

With an FX rate of 95.3448 and a low fee of just USD 12.00, Xflow customers receive INR 77,896.70, which is up to INR 4,134.62 more than leading banks and INR 2,614.32 more than other providers. Transfers are also lightning-fast, completing in just 1 business day, while others take anywhere from 2 to 4 days. This means you get more money in your account, faster, and with minimal costs.

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FX rate (INR)

95.3448

Fees (USD)

12.00

Transfer timings

1 business day

You receive (INR)

77,896.70

Others

FX rate (INR)

92.4845

Fees (USD)

15.00

Transfer timings

2 business days

You receive (INR)

75,282.38

Compare (INR)

-2,614.32

Banks

FX rate (INR)

92.3180

Fees (USD)

30.00

Transfer timings

2-3 business days

You receive (INR)

73,762.08

Compare (INR)

-4,134.62

ProviderFX rate (INR)Fees (USD)You receive (INR)Transfer timingsCompare (INR)
xflow
95.344812.0077,896.701 business day-

Others

92.484515.0075,282.382 business days-2,614.32

Banks

92.318030.0073,762.082-3 business days-4,134.62

Xflow is built for Indian businesses receiving USD

Xflow is designed for founders, finance teams, and business owners who need a faster, more cost-effective way to receive international payments. If your business regularly converts USD to INR, we can help you do it better.

Xflow’s rates are even better than what xe.com offers!

7-Day USD/INR Mid-Market Rate Trend

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Invalid date IST - Invalid date IST

Xflow

Xe

US and India bank holidays have been excluded from the graph.

Why people convert USD to INR

Every dollar you earn should arrive in full. Most providers quietly take a cut before it does.

Most providers

  • 01
    Banks and traditional providers mark up the exchange rate. You only notice when less money shows up than expected.
  • 02
    Fees are scattered. The real cost only becomes clear after the transfer is completed.
  • 03
    Transfers can take 2–4 days, leaving your money stuck in transit when you need it.

With Xflow

  • 01
    Xflow uses the live mid-market rate with no markup whatsoever. The rate you see is the rate you get.
  • 02
    One flat, transparent fee that's shown upfront. No hidden deductions on either end.
  • 03
    Most transfers settle in 1 business day, so your money moves as fast as your business does.

Built for businesses that earn in dollars

Freelancers & Consultants

If you work with US clients, you're likely receiving payments in USD. Converting quickly at a good rate means more rupees in your account for every invoice you raise.

Business owners & exporters

When you sell services to US buyers, your revenue comes in dollars. Converting efficiently helps protect your margins and keeps cash flow predictable.

IT services firms

Whether you're billing by project or on a retainer, IT firms working with US clients deal with large, recurring USD inflows. Getting the rate and timing right has a real impact on profitability.

SaaS businesses

If your product is priced in USD and you have US customers, your monthly revenue lands in dollars. A reliable conversion process means your INR runway stays healthy as you grow.

USD to INR exchange rates today

USD

INR

USD 1INR 95.34
USD 5INR 476.72
USD 10INR 953.45
USD 20INR 1,906.90
USD 50INR 4,767.24
USD 100INR 9,534.48
USD 250INR 23,836.20
USD 500INR 47,672.40
USD 1,000INR 95,344.80
USD 2,000INR 190,689.60
USD 5,000INR 476,724.00
USD 10,000INR 953,448.00

About the currencies

Each currency is issued and regulated by its central bank and identified by a unique three-letter code.

USD
Currency Name United States Dollar
CodeUSD
INR
Currency Name Indian Rupee
CodeINR

1 USD to INR stats

The table below tracks how the USD to INR exchange rate has moved over the past 30 days. The high and low show the strongest and weakest rates recorded in this period. The average is the mean rate across all 30 days. The change of 3.36% is the percentage difference between the 30-day high of 97.0794 and the low of 93.9196, to give you a sense of how much the rate has fluctuated over this period.

ProviderLast 30 days
High97.0794
Low93.9196
Average95.4995
Change (%)3.36

What affects USD to INR exchange rates

The USD-INR rate you see today is shaped by forces that move daily. Here's what's driving it:

  • 01
    When the US Fed or RBI changes interest rates, it affects how much demand there is for each currency and this impacts the USD/INR rate.
  • 02
    If prices in India rise faster than in the US, the rupee tends to lose value over time.
  • 03
    If India buys more in USD than it sells, that gap puts pressure on the rupee.
  • 04
    When global investors move money into or out of Indian markets, it directly affects the value of the rupee.

Why USD to INR rates differ across providers

The rate is only part of the story. What you actually receive depends on how each provider structures their costs.

  • 01
    FX Markup: Most providers offer a rate that is slightly worse than the live mid-market rate. The difference is their margin which is built into the rate rather than shown as a fee. On large transfers, this has a significant impact on what you receive.
  • 02
    Transfer and processing fees: Providers charge fees differently. Some use a flat fee, others take a percentage of the transfer amount, and some apply both. Without visibility into the full cost upfront, it is difficult to make an accurate comparison.
  • 03
    Settlement speed: How quickly a transfer settles varies by provider and the corridors they support. Faster settlement typically reflects stronger banking infrastructure, not just a premium service tier.
  • 04
    Banking partners: Providers with strong banking relationships are able to offer more competitive rates. Those that route through intermediary banks often pass on additional costs.

Converting more than USD 10,000?

Get personalized FX rates and dedicated support for large transactions. Our team ensures you receive the best possible value.

Latest news updates on USD - INR rates today

Indian rupee trades near 95 against the US dollar on June 2 as investors were focusing on the greenback demand amid the rising uncertainty...

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02/06/2026

US Dollar vs Indian Rupee rises 0.80% to ₹95.8466 today, maintaining bullish momentum amid RBI capital flow regulations.

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01/06/2026

The Indian rupee appreciated six paise to 83.57 against the US dollar on Tuesday (11th June 2024). The US Dollar, which indicates its strength against a...

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02/06/2026

The Indian rupee plunges to a historic low of 96.25 against the U.S. dollar amid rising crude prices and global uncertainty.

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19/05/2026

The Indian rupee weakened further on Tuesday, slipping 10 paise to close at 95.29 against the US dollar as rising crude oil prices,...

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02/06/2026

Rupee plunges to a record low of 96.52 against the dollar amid rising crude oil prices and foreign capital outflows. Expert analysis inside.

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19/05/2026

Rupee falls 10 paise to 94.95 vs dollar on June 1 as crude oil surge and US-Iran tensions weigh on sentiment; RBI policy now in focus.

Read more

01/06/2026

The Indian Rupee (INR) trades almost flat against the US Dollar (USD) during India's afternoon trading hours on Tuesday.

Read more

02/06/2026

The rupee's value against the US dollar is one of the most closely watched indicators in India. In 2025, the rupee had depreciated more than...

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04/12/2025

US Dollar vs Indian Rupee (USD/INR) trades at ₹95.6473, rising by 0.59% on the day. The pair remains slightly above the 20-day moving...

Read more

01/06/2026

Frequently asked questions

The highest USD to INR rate in the last 30 days was 97.0794. Exchange rates shift continuously based on global market conditions, so the highest rate can change if the INR weakens further. Use our live USD to INR calculator above to check the latest rate in real time.

FX rates vary by providers because different providers apply different mark-ups and use different intermediaries as their source for the FX rate. The competitiveness of your FX rate is determined by the benchmark rate used to calculate your FX rate and the mark-up applied over the benchmark rate. Often, providers will not reveal the benchmark FX rate or the mark-up they have charged you. Xflow uses the mid-market rate or inter-bank rate sourced from the world’s largest financial institution, and hence we often beat commonly used benchmarks like Google rate and XE rates comfortably.

Exchange rates are influenced by global supply and demand for USD and INR, inflation, interest rates, and international trade flows. That’s why online calculators like Xflow update in real time, so you always see the most accurate conversion value before making a transfer.

The safest way is to use a regulated and transparent cross-border payments platform. A trusted fintech platform like Xflow ensures compliance with RBI and international regulations, protects your funds, and offers secure transfers. Always avoid informal channels, as they can be risky and may not guarantee that your money reaches the recipient.

The exact amount depends on the current USD to INR exchange rate. For example, if the live rate is ₹84 per USD, then $1000 equals ₹84,000. Use our calculator above to get the real-time conversion value for $1000.

Many providers claim that they apply 0% FX mark-up, i.e. you are not being charged for converting your funds. To such providers, you must ask which benchmark FX rate is being used? If the benchmark is sub-optimal, 0% FX mark-up does not add any benefit to you. To help you understand this - while the number 170 is greater than 100, 170 lbs is much lighter than 100 kg - units of measurement matter. Similarly in the world of FX, the benchmark FX rate matters, and Xflow provides the benchmark rate that is comparable to Bloomberg and Reuters, which is the most mark-up free FX benchmark.

The FX rate between any currency pair like USD-INR changes every second. While the change in FX rate is small on the seconds scale, it could be significant when considered over a couple of minutes or hours. Xflow provides live-streaming FX rates on its dashboard which update every 2 minutes. You can convert the funds at displayed FX rate and get the guaranteed amount of rupees in your account. This is called Live FX processing. There are several providers who will wrongly claim Live FX capability without giving you the ability to book the near real-time FX rate. Your funds will be opaquely converted at a certain arbitrary time of the day at prevailing rate. This is called straight-through processing and not Live FX processing. In addition to lack of predictable cash flows, you may be losing thousands of rupees due to this opacity.

The answer to this is more straight-forward that you think, and all you need to do is simple math to determine the most affordable provider Determine your most common transaction size. Say more often than not, your transactions are worth $2,500. Convert the flat fee into a variable fee by using your most common transaction value. Say you are being charged a flat fee of $30. This amounts to a variable fee of 1.2%. Now you can compare between providers who offer different pricing structures.