Rupees that reach India after the rate markup and fees, for up to three transfer providers
Runs in your browser. Nothing you type is sent anywhere. Updated on 25 Oct 2026.When an NRI sends dollars, pounds or dirhams home, the rupees that arrive depend on the rate the provider applies as much as on its fee. A rate half a rupee below mid-market costs ₹500 on every thousand dollars, whatever the fee. Enter the amount, the mid-market rate and each provider’s rate and fee to see the rupees that land in India and what each option really costs.
The page opens on "Coming to India" with example rates below mid-market.
Pick the Currency and enter the "Amount sent to India".
Enter the mid-market rate and each provider's rate, Flat fee and Fee on amount.
Read You receive for the cheapest provider and what markup and fees took off, then press Share result.
Every time rupees become another currency, or come back, somebody sets the exchange rate, and it is rarely the rate you see in the news. That rate, the mid-market rate, is halfway between what banks pay for a currency and what they sell it for. Card networks, banks and transfer apps give you a worse rate and keep the difference, then often add a fee on top.
This calculator puts both costs in rupees. Enter the amount in the foreign currency, the mid-market rate for the day, and for each provider the rate it applies with any flat fee and percentage fee. It shows the markup built into each rate, the fees, the total cost against the mid-market rate, the effective rate you actually get, and which of up to three providers is cheapest.
Two directions. Paying abroad or sending money out, you spend rupees, so a higher rate and fees both cost you. Money coming to India works the other way: a lower rate and fees both reduce the rupees you receive. Pick the direction and the sums follow.
The rest of the article, and all 6 questions about Forex Markup Calculator, are on the Forex Markup Calculator page.
Subtract the mid-market rate from the provider's rate and divide by the mid-market rate. A bank that sells dollars at ₹89.10 when the mid-market rate is ₹88 has a markup of 1.10 ÷ 88, which is 1.25%. On USD 1,000 that is ₹1,100, and any fee comes on top of it.
A card has two costs: the foreign currency fee printed in the card's schedule, often a few per cent plus GST, and the rate the network or bank applies, which may sit above mid-market. The calculator adds both. Enter the fee percentage and the rate from your statement to see the full cost of the purchase.
Not always. A provider with no fee can still charge more through a worse rate. On USD 1,000, a rate one rupee worse than mid-market costs ₹1,000, which is more than many flat fees. Compare total cost against the mid-market rate, which the calculator shows for every provider, rather than the fee alone.
No, because TCS is not a cost. A bank collects it on large remittances under the Liberalised Remittance Scheme, but it is paid to the government in your name and counts against your income tax, or comes back as a refund. Use the LRS TCS calculator to see how much will be collected.
Formula only: no rates or limits are read from an official source.
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