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🇺🇸 USD / 🇮🇳 INR ✓ Official Mid-Market Rate (0% Markup) Independent Analysis

USD to INR Exchange Rate & Bank Wire Fee Comparison (2026)

Convert US Dollar (USD) to Indian Rupee (INR). The live interbank midpoint rate is 1 USD = 84.0800 INR. Compare hidden currency conversion spreads across major international wire systems.

Live Converter

USD to INR Real-Time Calculator

Sourced via Central Bank Interbank Feeds
Quick amounts
$
→
₹
84,080.00
Official benchmark rate (0% markup applied)
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Historical Benchmarks

USD to INR Historical Exchange Rates

Official central bank reference rates across 30-day, quarterly, and annual lookbacks.

Official Reference Feeds
Period Interbank Midpoint Yield on $1,000 Trend / Variance
Today (Interbank Midpoint) 1 USD = 84.0800 INR ₹84,080.00 Current Live Rate
30 Days Ago 1 USD = 83.7437 INR ₹83,743.68 +0.4% (Higher)
90 Days Ago (Quarterly) 1 USD = 85.0890 INR ₹85,088.96 -1.2% (Lower)
180 Days Ago (Half-Year) 1 USD = 82.3143 INR ₹82,314.32 +2.1% (Higher)
1 Year Ago (52W Midpoint) 1 USD = 84.0800 INR ₹84,080.00 -0.0% vs Annual Baseline
Settlement Timeline

USD to INR Delivery & Settlement Windows

Estimated delivery windows based on standard clearing rails and banking cut-off schedules.

Target System: UPI / NEFT / RTGS (IFSC Code)
Direct Domestic Rail 0 - 2 Hours

Local Automated Clearing

Transfers settling through local domestic rails (UPI / NEFT / RTGS (IFSC Code)) typically clear within hours during standard operating windows.

Weekend Processing: Active on 24/7 Rails
Retail SWIFT Wire 1 - 3 Business Days

Correspondent Banking

Traditional commercial banks route through intermediary correspondent networks, adding clearing stops and compliance verifications.

Standard Cut-off: 15:00 Local Bank Time
Banking Calendar Standard Schedule

Cut-off & Holiday Factors

Wires sent after Friday 15:00 local time or during official bank holidays in either origin or destination will hold until Monday morning.

Holiday Settlement: Next Business Day
⚠️

Important Clearing Disclaimer: Settlement timeframes are estimates based on standard bank operating windows and domestic clearing rail architectures (UPI / NEFT / RTGS (IFSC Code)). Actual arrival is subject to originating bank cut-off deadlines, correspondent intermediary verification checkpoints, and international AML/KYC screening. Not a contractual arrival guarantee.

Transfer Preparation

Required Details to Wire USD to INR

Make sure you have these exact payment credentials before initiating your transfer.

1. Recipient Identity

Beneficiary Full Name

Exact match as registered on recipient bank account.

2. Account Identifier

UPI / NEFT / RTGS (IFSC Code)

IBAN, Account Number, or local domestic routing code.

3. Bank Code

SWIFT / BIC Code

8 or 11 character identifier of the recipient's bank branch.

4. Transfer Purpose

Payment Reference

Invoice number or descriptive reference for AML compliance.

Macroeconomic Analysis

USD vs INR: Central Bank Policy & Inflation Matrix

Official interest rate benchmarks and consumer price index (CPI) differentials shaping cross-border value.

Official Macro Indicators
🇺🇸

US Dollar (USD)

Federal Reserve (Fed)

Policy Rate

5.0%

Benchmark rate
Annual CPI Inflation

2.8%

Consumer prices
Estimated Real Yield (Rate - Inflation): +2.2%
🇮🇳

Indian Rupee (INR)

Reserve Bank of India (RBI)

Policy Rate

6.5%

Benchmark rate
Annual CPI Inflation

5.1%

Consumer prices
Estimated Real Yield (Rate - Inflation): +1.4%
Policy Rate Differential: 1.50% (USD vs INR)
Inflation Differential: 2.30% (Annual CPI spread)
ℹ️

Macroeconomic Policy Notice: Central bank interest rates and CPI metrics are compiled from public statistical releases (Federal Reserve (Fed), Reserve Bank of India (RBI)) for macroeconomic educational context. They do not constitute retail banking deposit guarantees or investment advice. WireCompare does not provide portfolio management or trading services.

Corridor Volatility & Trend

52-Week Exchange Rate Position

Liquidity Status: High & Stable
52W Low: ₹80.7168 Current: ₹84.0800 52W High: ₹87.4432
Lower bound Current rate sits at 50.0% of annual range Upper bound
Independent Market Analysis

Compare Wire Transfer Costs: USD to INR

Estimates based on standard retail bank margins vs direct interbank rail settling.

Zero Promotional Bias
$1,000 USD
$250 $5,000 $10,000 $20,000
Benchmark

Direct Midpoint Rail

0.0% Rate Markup (Interbank)

Rail Fee:$4.50
Rate:84.0800
Clearing:Instant / Same Day
Recipient Receives

₹84,080.00

Maximum Yield

Optimal Benchmark Rail
Retail SWIFT

Commercial Banks

~3.2% Hidden FX Margin

SWIFT Fee:$25.00
Bank Rate:81.3894
Speed:2-4 Business Days
Recipient Receives

₹872.53

-Lost to Hidden Margin

High Intermediary Margin
Consumer Wallet

Global Wallets

3.5% Currency Spread

Tx Fee:$4.99
Rate:81.1372
Speed:Instant (Closed Wallet)
Recipient Receives

₹887.41

Closed loop balance

Convenient but Marked Up
Cash Agent

Cash Remittance

Retail Spread + Cash Fee

Counter Fee:$8.00
Rate:82.0621
Speed:Physical Counter / 1 Day
Recipient Receives

₹896.12

Physical cash pickup

Agent Network Fee
Lookup Tables

USD to INR Fast Conversion Matrix

Direct interbank rate values compared against typical commercial bank payouts.

🇺🇸 USD to 🇮🇳 INR

1 USD = 84.0800 INR
Amount Mid-Market Rate Bank Payout Hidden Spread
$1 USD ₹84.08 INR ₹0.00 -₹1,630.48
$5 USD ₹420.40 INR ₹0.00 -₹1,641.24
$10 USD ₹840.80 INR ₹0.00 -₹1,654.69
$25 USD ₹2,102.00 INR ₹406.95 -₹1,695.05
$50 USD ₹4,204.00 INR ₹2,441.68 -₹1,762.32
$100 USD ₹8,408.00 INR ₹6,511.16 -₹1,896.84
$250 USD ₹21,020.00 INR ₹18,719.57 -₹2,300.43
$500 USD ₹42,040.00 INR ₹39,066.93 -₹2,973.07
$1,000 USD ₹84,080.00 INR ₹79,761.65 -₹4,318.35
$5,000 USD ₹420,400.00 INR ₹405,319.41 -₹15,080.59
$10,000 USD ₹840,800.00 INR ₹812,266.61 -₹28,533.39

🇮🇳 INR to 🇺🇸 USD (Reverse)

1 INR = 0.0119 USD
Amount Mid-Market Rate Bank Payout Hidden Spread
₹1 INR $0.01 USD $0.00 -$0.23
₹5 INR $0.06 USD $0.00 -$0.23
₹10 INR $0.12 USD $0.00 -$0.23
₹25 INR $0.30 USD $0.06 -$0.24
₹50 INR $0.59 USD $0.35 -$0.25
₹100 INR $1.19 USD $0.92 -$0.27
₹250 INR $2.97 USD $2.65 -$0.33
₹500 INR $5.95 USD $5.53 -$0.42
₹1,000 INR $11.89 USD $11.28 -$0.61
₹5,000 INR $59.47 USD $57.33 -$2.13
₹10,000 INR $118.93 USD $114.89 -$4.04
Mid-Market Rate

84.0800

1 USD = ₹84.0800

Inverse Rate

0.0119

1 INR = $0.0119

52-Week Range

80.7168 - 87.4432

Annual volatility band

Target Bank System

UPI / NEFT / RTGS (IFSC Code)

Clearing rail for INR

Knowledge Base

Frequently Asked Questions (USD to INR)

Click any question to expand
Q What is the current exchange rate for USD to INR?
As of 2026, the real mid-market interbank rate is 1 USD = 84.08 INR. This is the true benchmark rate with zero hidden bank markup.
Q How much does a bank charge to send USD to INR?
Most traditional high-street banks charge a front-end wire fee of around $25 plus a 2.5% to 4% hidden exchange rate markup. On a $1,000 transfer, you typically lose around ₹4,346.94 compared to specialized neobanks like Wise.
Q What bank codes are needed to send INR to India?
To receive INR in India, the recipient typically needs to provide their UPI / NEFT / RTGS (IFSC Code).
Q How fast does an international transfer take between USD and INR?
Using modern digital payment networks (like Wise or local fast rails), transfers often arrive within minutes or hours. Traditional SWIFT bank wires take 2 to 4 business days.

Related Corridors From USD

View Reverse: INR to USD →

USD → EUR

1 USD = 0.9245 EUR

USD → GBP

1 USD = 0.7715 GBP

USD → JPY

1 USD = 152.4000 JPY

USD → CAD

1 USD = 1.3850 CAD