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Foreign currency discovery · Matrix Forex

Currency Exchange in India: Rates, Guides & Services

Explore foreign currencies, live buy rates, currency codes and country guides, then move to the right Matrix journey for buying, selling or converting currency.

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Direct Answer

What is currency exchange?

Currency exchange is the conversion of one country's money into another. In India, it's regulated by the RBI under FEMA 1999, so only RBI-authorised dealers may offer forex services and the rate and security of your transaction depend on the provider you choose.

Matrix Forex holds an RBI Category II Authorised Dealer licence (NDL-ADII-0023-2023), a higher authorisation tier than a standard money changer (FFMC), covering forex cards, foreign currency notes and outward remittances. Use this hub to discover currencies and rates, then continue to the specific transaction or conversion page that matches what you need to do.

TravellingNeed foreign currency for a tripBuy Forex →

ReturnedHave unused foreign currencySell Forex →

CalculatingNeed to convert an amount to INRCurrency Converter →

Sending AbroadNeed an international transfer routeSend Money →

Popular Foreign Currencies

Live buy rates people check before they order.

The same live buy rate shown on our Buy Forex page, refreshed in real time. Selling has a separate buy-back rate; see Sell Forex for that.

Currency

Live buy rate

Next step

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US DollarUSD

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Convert USD →

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EuroEUR

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Convert EUR →

🇬🇧

British PoundGBP

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Convert GBP →

🇦🇪

UAE DirhamAED

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Convert AED →

🇸🇦

Saudi RiyalSAR

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Convert SAR →

🇸🇬

Singapore DollarSGD

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Convert SGD →

🇶🇦

Qatari RiyalQAR

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Convert QAR →

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Chinese YuanCNY

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Convert CNY →

Live buy rate, updating…Browse the full currency directory →

Currency Directory

RUB · Europe

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Choose the right exchange path

What do you need foreign exchange for?

Everyone lands here for a different reason. Pick the one that matches yours and we'll take you straight to it.

Travel abroad

Need currency notes or a forex card before you leave India.

Buy foreign currency →

Returned from travel

Have unused USD, EUR, GBP, AED or another supported currency.

Sell foreign currency →

Study abroad

Need to pay tuition or send living expenses under the appropriate remittance route.

Student remittance →

Send money overseas

Need an outward remittance for an eligible personal or permitted purpose.

Send money abroad →

How Exchange Rates Work

Buy rate, sell rate, applicable charges.

This page distinguishes the rate you'd pay when buying from the rate you'd receive when selling, so neither one is shown as if it were the other.

Market rate

The broader interbank rate, useful for general comparison.

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Buy or sell transaction rate

The rate shown across this hub is our live buy rate, the same one used on Buy Forex. Selling uses a separate buy-back rate.

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Applicable transaction charges

Zero markup on the exchange rate. GST applies only on the service charge, tiered 0.18%/0.09%/0.018% by slab. TCS applies only once LRS spending crosses ₹10L/year, and both are shown as separate line items, never inside the rate.

Buying foreign currency?Continue to the Buy Forex journey for the applicable customer buy rate. Selling foreign currency?Continue to Sell Forex for the current buy-back rate and sell flow.

Currency Exchange Near You

Explore Matrix Forex locations and service routes.

Same-day doorstep delivery reaches 16 cities, but these 8 locations are our actual RBI-authorised branches, for anyone who'd rather walk in.

View all locations →

Delhi → Mumbai → Bangalore → Chennai → Hyderabad → Pune → Kanpur → Tiruppur →

Zero markup on every currency we exchange, whether you're buying, selling or just checking today's rate.

Why Matrix Forex

Useful financial information before the transaction.

Zero markup, always

Banks typically add a 2–3% markup on the mid-market rate; on ₹1 lakh, that's ₹2,000–₹3,000 in invisible charges. Matrix Forex charges zero markup on every currency.

Clear rate states

The live buy rate shown here stays visibly separate from the sell (buy-back) rate, so neither is presented as the other.

RBI Authorised Dealer Category-II

Licence NDL-ADII-0023-2023: audited, KYC/AML-compliant, the same regulatory standard that governs Indian banks.

Local and human support

Same-day doorstep delivery across 16 cities, fulfilled from 8 RBI-authorised branches, with a person to call, not just a rate widget.

Related Forex Tools & Services

Continue with the page that matches your intent.

Calculate

Currency Converter

Convert supported foreign-currency amounts to INR and explore amount-based rate information.

Open converter →

Buy

Buy Forex

Start the journey for purchasing foreign currency for travel or another eligible need.

Buy foreign currency →

Sell

Sell Forex

Check the buy-back journey for foreign currency you already hold.

Sell foreign currency →

Travel

Forex Card

Explore the Matrix Forex Card journey for international travel spending.

Explore forex card →

Send

Transfer Money Abroad

Use the international-transfer route for an eligible remittance purpose.

Send money abroad →

Understand

Forex Regulations

Read regulatory and documentation guidance relevant to forex transactions.

View regulations →

Buy Sell Convert

★ 4.9/5 from 3 Lakh+ customers

Trusted by Global Indians

Real stories from travellers, students, and families.

★★★★★

Matrix Forex offers reliable and transparent currency exchange with competitive rates. The process is smooth and customer support is responsive.

Harish Srini Verified Customer

★★★★★

Well structured and smooth process. They gave me the best price in the market. Definitely suggest Matrix for travel needs.

Shivam Krishnam Verified Customer · Delhi

★★★★★

Very fast and efficient unlike other platforms who put you in a lot of hassle. Matrix is my preferred forex platform.

Ashita Panda Verified Customer · Pune

★★★★★

Excellent service. The staff was friendly and helpful. I got my card activated instantly.

Pooja Kohli Verified Customer · Delhi

★★★★★

Best currency exchange in town. Wanted INR to Malaysian Ringgit, delivered same day. Best service and pricing in Bangalore.

Madhusudan B N Verified Customer · Bangalore

★★★★★

Got my USD delivered to Koramangala in 4 hours at better rates than the local forex shop. Won't go anywhere else.

Arjun K Verified Customer · Bangalore

★★★★★

Matrix Forex offers reliable and transparent currency exchange with competitive rates. The process is smooth and customer support is responsive.

Harish Srini Verified Customer

Got Questions?

Currency Exchange FAQs

What is the best way to exchange currency in India?

Through an RBI-authorised dealer offering live interbank rates with zero markup. Avoid airport counters and unregulated changers, which typically charge significantly more. Check the mid-market rate on Google before transacting.

What documents are needed to exchange currency in India?

PAN card and Aadhaar are sufficient for most KYC. For larger amounts or specific LRS purposes, passport and travel documents may also be required. Matrix Forex accepts online KYC, no branch visit needed.

How much foreign currency cash can I carry when travelling abroad?

RBI permits up to USD 3,000 (or equivalent) in foreign currency cash per trip. Amounts above this within your LRS limit of USD 2,50,000 must be carried via forex card or wire transfer.

What is the difference between a forex card and foreign currency cash?

A forex card is prepaid and safer than cash, accepted at most merchants and ATMs worldwide. Currency notes are useful where card acceptance is limited. Most travellers use both.

What are currency exchange charges in India?

Three components: (1) exchange rate markup, typically 2-3% at banks, zero at Matrix; (2) GST on the service charge at a tiered rate; and (3) TCS if your total LRS transactions exceed ₹10 lakh in the financial year. All shown upfront.

Can I buy foreign currency online in India?

Yes. Matrix Forex offers a fully online process: select your currency, complete KYC digitally, pay online, and get same-day home delivery. No branch visit required.

How do I sell foreign currency in India?

Sell leftover currency online or at any of our 8 branches. Bring PAN and Aadhaar for KYC. You'll receive INR at live interbank sell rates, with no hidden deductions.

Is it safe to exchange currency online in India?

Yes, when transacting through an RBI-authorised dealer. Matrix Forex transactions are processed under RBI's regulatory framework with bank-grade encryption.

What is the LRS limit for buying foreign currency in India?

Indian resident individuals can remit or spend up to USD 2,50,000 per financial year for permitted purposes including travel, education, medical treatment and overseas investment.

Ready to Exchange at Today's Rate?

Zero markup. RBI-authorised. Same-day delivery across 16 cities.

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