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No payment yetThe rate above is live · click Lock and it's held at ₹97.0385/USD for 10 minutes while you finish KYC and choose payment.
Rate locked for 10 minutes once you proceed. Final rate & documentation subject to RBI / FEMA compliance review.
RBI MarginWhy is this rate different from Google / XE.com?▼
Google & XE.com show the mid-market rate (₹96.41 per USD)— the price banks trade with each other. No retail customer pays the mid-market rate anywhere in the world.
Your booking rate of ₹97.0385 includes an RBI-permitted dealer margin of 0.65% — authorised under RBI's AD Category-II licence (Master Direction on Money Changing Activities). The margin covers:
- Currency-notes handling, vault & insurance
- RBI-mandated KYC, PMLA & Form A2 compliance
- Branch & doorstep dispense logistics
- GST + TCS handling and remittance to the exchequer
Compare us against any RBI-authorised Cat-II dealer — our margin is among the tightest in the market and is fully transparent. Need help? Talk to our dealer.
GST included · TCS shown assumes no prior LRS remittances under your PAN this financial year — your exact TCS is confirmed against your PAN when you sign in to lock.