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Market snapshot
Have you ever noticed how one day your friend abroad sends you ₹100, and the next day the same amount turns into ₹102 or even ₹98? That change happens because of currency exchange rates. They decide how much one country’s money is worth when compared to another’s.
The rupee is now steady with small intraday swings. For a clean benchmark, use RBI/FBIL reference rates (published on business days). As of the latest reference set (Aug 26), the guide prints were: USD ₹87.74, EUR ₹102.04, GBP ₹118.11. Live screens show small moves around these marks during today’s session. NSE India
Indicative live ranges (mid-market)
- USD/INR: ~₹87.6–87.9
- EUR/INR: ~₹101.8–102.3
- GBP/INR: ~₹117.7–118.2
- AED/INR: ~₹23.8–23.9 (tracks USD via the peg). Wise
- CAD/INR: ~₹63.2–63.6 (1-week drift up). Wise
- AUD/INR: ~₹56.9–57.1 (near recent highs). Pound Sterling Live
See Also: 4 Times the Rupee Faced the Storm: Historic Currency Collapses in India
What is driving INR today?
- Oil prices & imports: India’s oil bill affects dollars needed by refiners; higher crude often weakens INR.
- Global risk mood: When investors cut risk, EM currencies fall; when risk improves, inflows help INR.
- US yields & DXY: A stronger dollar index can push USD/INR up.
You can track quick summaries on Moneycontrol Currencies for India-focused updates. Moneycontrol
Practical actions for SMEs & travellers
- Importers: Stagger payments; avoid bunching all bills on one day. Ask your bank about forward contracts or simple options to cap risk.
- Exporters: If margins are thin, consider part hedges (for example 30–50%) and keep some open to ride a stronger USD week.
- Parents/Students: For fee payments, check intra-day moves and try to split transfers across two days if the rate is volatile.
- Cash vs card: Forex cards and bank transfers usually beat airport kiosks. Compare SBI, HDFC and a transparent platform like Wise before deciding.
Simple bottom line
Use RBI/FBIL for the official daily marker and live trackers for execution. Even a 0.30 move on USD/INR can change large invoices meaningfully, so price your quotes with a small buffer.
