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India (IN)

India is the world's most populous nation and a fast-rising global power — a vibrant federal republic of extraordinary cultural, linguistic, and geographic diversity.

Capital: New Delhi
Region: Asia
Language: Hindi
Currency: INR (₹)
Cost of living: Very affordable (index 24)
Emergency: 112
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Currency & Money

Practical money tips for living in India.

₹
Indian Rupee
INR

Denominations

Coins: ₹1, ₹2, ₹5, ₹10, ₹20. Notes: ₹10, ₹20, ₹50, ₹100, ₹200, ₹500, ₹2000 (being withdrawn). Exchange rate approx. ₹83–85/USD (2026).

Payment Culture

India is rapidly going cashless due to UPI (Unified Payments Interface). PhonePe, Google Pay, and Paytm dominate for everyday transactions. Cash still essential in rural areas, small markets, and auto-rickshaws. Many street vendors now accept UPI QR codes.

ATM Tips

ATMs ('Cash Machines') are widely available in cities. Foreign card fees: ₹150–250 per withdrawal. HDFC and ICICI ATMs most reliable. Always carry ₹500–1,000 cash for emergencies. Inform your home bank before travelling.

Exchange Tips

Exchange money at authorised dealers or banks — avoid touts. Airport exchange rates are poor. Wise and Revolut excellent for international transfers. The INR is not freely convertible internationally — you cannot take more than ₹25,000 cash out of India.

Pro tip: Best apps for expats

  • • Wise — Send money internationally at near-interbank rates
  • • Revolut — Multi-currency account, free ATM withdrawals (limits apply)
  • • N26 — German IBAN, free account, good for EU residents