Live Rates • Updated 03:15 PM ET
Compare USD to INR Rates
See how much your recipient actually gets when you send $1,000 to India. The mid-market rate is 1 USD = 95.04 INR — but most services don't give you that.
Real Mid-Market Rate
1 USD = 95.04 INR
This is the "true" rate before any service adds their markup
Pym Rate
1 USD = 95.99 INR
↑ Better than mid-market • Powered by stablecoin rail
You send $1,000 → Recipient gets ₹95,990 • $0 fees
How much does your recipient get for $1,000?
| Service | Rate (1 USD) | Fee | Recipient Gets |
|---|---|---|---|
Pym Minutes | ₹95.99 | $0 | ₹95,990 |
Wise Seconds-hours | ₹94.97 | ~$4.62 | ₹94,536 |
Remitly Minutes-days | ₹93.62 | $0-$5 | ₹93,616 |
Xoom (PayPal) 1-4 days | ₹93.14 | $0-$5 | ₹93,141 |
Western Union Minutes-days | ₹92.19 | $0-$10 | ₹91,729 |
Your Bank 3-5 days | ₹91.24 | $25-$45 | ₹88,959 |
Pym rate is live. Competitor rates are estimates based on typical markups and published fees (March 2026). Actual rates vary.
Why Pym Gives You a Better Rate
⚡
Stablecoin Rail
Your dollars are converted to USDT, which trades at a premium in India. That premium goes to your recipient as a better rate — not hidden in our margin.
💸
$0 Transfer Fees
No wire fees, no flat fees, no hidden charges. For bank transfers and crypto, you pay $0 in fees. Card payments only cover Stripe's processing cost.
🏦
No Middleman Banks
Traditional services route money through correspondent banks, each taking a cut. Pym uses crypto rails — no intermediary banks deducting from your transfer.
Your Savings on Larger Transfers
Send $500
+₹4,656
more than your bank
Send $1,000
+₹7,031
more than your bank
Send $2,000
+₹11,781
more than your bank
Send $5,000
+₹26,032
more than your bank
Rate Comparison FAQs
Why does Pym offer a better rate than the mid-market rate?
Pym uses a stablecoin (USDT) settlement rail. USDT trades at a premium in India, which means we can pass on a better-than-mid-market exchange rate to you — something traditional remittance services can't do.
Are the competitor rates exact?
Competitor rates shown are based on typical markups and fees as of 2025. Actual rates vary by transfer amount, payment method, and time of day. Check each service for their live rate. Pym's rate and fee shown are live.
How can Pym charge $0 in fees?
For bank transfers and crypto, Pym charges $0 transfer fees. Our margin comes from the stablecoin spread — the difference between what we buy USDT for and what we sell it for in India. The rate you see is the rate you get.
What is the mid-market rate?
The mid-market rate (currently 1 USD = 95.04 INR) is the midpoint between buy and sell prices on global currency markets. It's the "real" exchange rate before any service adds their markup. Most services give you a rate worse than this.
How often are rates updated?
The mid-market rate and Pym's rate on this page are updated every 5 minutes using live market data.
Get Rate Alerts
We'll email you when USD→INR hits your target rate.
Related Guides
Get the Best Rate — Send with Pym
1 USD = 95.99 INR • $0 fees • Arrives in minutes