Free tools

The markup hiding inside your bank’s exchange rate.

Enter the rate your bank quoted and this shows the spread hidden inside it, in rupees. Banks rarely state a markup; they quote a rate and let the difference sit in it. This is the same arithmetic your bank did, run backwards.

Enter the rate your bank quoted — the number of rupees per USD — and we will show the spread hidden inside it. Today’s reference rate is around ₹95.71.

The rest of the set

Five more, same engine.

Converter

Convert rupees to USD, GBP, EUR, CAD and more at the rate we would actually give you — our 1% charge already inside the number, not added afterwards.

TCS calculator

Work out the Tax Collected at Source on money sent abroad for education — nil when an approved education loan funds it, 2% above the ₹10 lakh threshold when it does not.

LRS tracker

Track your Liberalised Remittance Scheme usage across every bank you use. The limit is USD 250,000 per person per financial year, and no single bank can see your total.

GIC — Canada

Work out what the Guaranteed Investment Certificate costs in rupees at today’s rate, including the conversion, our charge and any TCS.

Blocked account — Germany

Work out what the Sperrkonto costs in rupees at today’s rate, including the conversion, our charge, the setup fee and any TCS.

Talk to us

Tell us the transfer. We’ll come back with the exact position.

Rate, markup in rupees, TCS and the paperwork you’ll need — for your amount and your university, not a worked example. Tell us the transfer and we will call you back.

  • No obligation, and no payment at this stage
  • Executed by an RBI-authorised AD Category-II partner
  • Your number is used to reach you about this enquiry

We call the number you enter, so please check it before you submit.