US dollar to Indian rupee today.

The mid-market rate is the midpoint between the price banks buy a currency at and the price they sell it at. It is the rate you see quoted on Google and financial news. It has no margin built in, which makes it the fairest benchmark for judging what a transfer to India really costs.

Most banks and many transfer services convert at a rate below the mid-market rate and keep the difference, often on top of a visible fee. The gap is easy to miss because it is not listed as a charge. Compare the rupees your recipient receives for the same dollars, at the same moment.

With ComplyRemit, $1,000 converts at the mid-market rate with a $0 transfer fee, so your recipient receives $1,000 multiplied by the rate shown above. The figure in the table is an estimate; the review screen shows the exact rupee amount for your transfer before you confirm it.

It is an indicative rate. Exchange rates move all day and a transfer is priced when you send it, not when you look. The review screen in the app shows the rate for your transfer, and what your recipient receives, before you confirm. Silver and Gold members receive a small rupee bonus on top.

Collecting the money from your US bank usually takes one to three business days, because it moves over ACH. Once it has arrived, the payout to the recipient's UPI ID or Indian bank account usually lands within a few hours. Weekends and bank holidays in either country add time.