Trade calculator
Exporters convert at the bank's buying rate; importers pay at its selling rate. See the INR amount, the spread in paise over the reference rate and GST on conversion, for every bank side by side.
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GST is 18% on a notional value of the conversion service, not on the full amount. Check your bank's advice for the method it applies.
Reference ₹12.1029 per HKD · spread in paise per 1 HKD, against you
| Bank | Rate | Spread (paise) | Spread cost | INR value | GST | You receive |
|---|---|---|---|---|---|---|
| PNB Best Sheet 02 Nov, 04:00 pm | 12.03 | 7.3 | ₹729 | ₹1,20,300 | ₹198 | ₹1,20,102 |
| SBI Sheet 02 Nov, 09:02 am · ₹10–20 lakh deals | 12.01 | 9.3 | ₹929 | ₹1,20,100 | ₹198 | ₹1,19,902 |
| BoB Sheet 30 Oct, 01:00 pm | 11.99 | 11.3 | ₹1,129 | ₹1,19,900 | ₹198 | ₹1,19,702 |
| Canara Sheet fetched 02 Nov, 03:27 pm | 11.9725 | 13.0 | ₹1,304 | ₹1,19,725 | ₹198 | ₹1,19,527 |
| Union Sheet 02 Nov, 09:30 am · up to US$5,000 or equivalent | 11.97 | 13.3 | ₹1,329 | ₹1,19,700 | ₹198 | ₹1,19,502 |
| Barclays Sheet 02 Nov, 09:14 am · up to US$100,000 equivalent | 11.97 | 13.3 | ₹1,329 | ₹1,19,700 | ₹198 | ₹1,19,502 |
| Citi Sheet 02 Nov, 09:05 am | 11.8435 | 25.9 | ₹2,594 | ₹1,18,435 | ₹197 | ₹1,18,238 |
| Yes Sheet 02 Nov, 09:18 am · NRI remittances to India, buying only | 11.84 | 26.3 | ₹2,629 | ₹1,18,400 | ₹197 | ₹1,18,203 |
| J.P. Morgan Sheet fetched 02 Nov, 03:27 pm · up to US$5 million (corporate) | 11.7849 | 31.8 | ₹3,180 | ₹1,17,849 | ₹196 | ₹1,17,653 |
| ICICI Sheet 02 Nov, 02:25 pm · up to US$25,000 or equivalent | 11.75 | 35.3 | ₹3,529 | ₹1,17,500 | ₹196 | ₹1,17,304 |
| HSBC Sheet 02 Nov, 10:00 am · NRI services and remittances | 11.75 | 35.3 | ₹3,529 | ₹1,17,500 | ₹196 | ₹1,17,304 |
| Axis Sheet fetched 02 Nov, 09:46 am · corporate card rates | 11.74 | 36.3 | ₹3,629 | ₹1,17,400 | ₹196 | ₹1,17,204 |
| Kotak Sheet fetched 02 Nov, 03:27 pm | 11.74 | 36.3 | ₹3,629 | ₹1,17,400 | ₹196 | ₹1,17,204 |
| IndusInd Sheet 02 Nov, 10:00 am · up to US$25,000 or equivalent | 11.74 | 36.3 | ₹3,629 | ₹1,17,400 | ₹196 | ₹1,17,204 |
| Deutsche Sheet fetched 02 Nov, 03:27 pm | 11.74 | 36.3 | ₹3,629 | ₹1,17,400 | ₹196 | ₹1,17,204 |
| HDFC Sheet 02 Nov, 01:39 pm · Retail & Trade up to ₹20 lakh | 11.73 | 37.3 | ₹3,729 | ₹1,17,300 | ₹196 | ₹1,17,104 |
Card rates are indicative and apply to each bank's stated deal size; the rate on your bank advice is final. Bank charges (SWIFT, FIRC) are not included.