SGD to INR today, and INR to SGD

Few people get the mid-market rate: most banks, cards, apps and money changers give you a few rupees less on each dollar and keep the difference. On S$1,000 sent to India today the gap runs from about ₹294 with Wise to ₹3,606 with OFX. Every way, side by side

S$1,000 in Indian rupees today, each way

Wise’s and DBS’s rates and fees read today; Instarem, HSBC and others as Wise’s public price comparison collected them, at the times shown (a price collected earlier may have changed since; Wise is one of the providers compared). “About” rows apply the published fee to the mid-market rate, because the provider’s own rate isn’t published in a form we read. A money changer sets its own rate: type it into the converter to see where it falls. No one pays us to list any of these, and there are no affiliate links.

Your amount, every way to change

Put in how much you are sending or changing, either way. Rupees can be typed as 1 lakh, 2.5L or 1 crore. At a money changer, add the rate on its board to see what it costs you against the mid-market rate, Wise and DBS.

Change

S$ to ₹ ₹ to S$

Amount

S$

How much you are changing. In rupees you can type 1 lakh, 2.5L or 1 crore.

Rate on a money changer’s board (optional)

As the board shows it: rupees for S$1 (e.g. 73.50), or S$ for ₹100. We read which it is.

Start from an example

Money homeS$500 to rupeesA bigger transferS$1,000 to rupeesSavings or a big billS$5,000 to rupeesA budget from India₹1 lakh in S$A deposit or fees₹10 lakh in S$

S$1,000.00 in rupees

₹74,278.11 at the mid-market rate

S$1,000.00 in rupees, each way to change, most first

Way	You get	Against mid-market
Mid-market rateThe mid-market rate: the ECB’s reference rates for 30 Oct, with no margin. The yardstick for the rest.	₹74,278.11	–
Card with no FX fee, in IndiaYouTrip (its own mid-market rate) or Trust (Visa’s rate), no fee from either. About this much: we work it out at the mid-market rate.	About ₹74,278.11	No fee, at its own rate
Revolut (Standard plan), weekdayAt Revolut’s rate, free up to S$5,000 a month, then 1%; 1% more at weekends. About this much: we work it out at the mid-market rate.	About ₹74,278.11	No fee, at its own rate
Wise transferFee S$4.02, at Wise’s rate of ₹74.2831 for S$1. Worked out from Wise’s own quotes at S$100 to S$5,000.	₹73,984.48	−₹293.63 (−0.40%)
DBS transfer (DBS Remit)DBS’s posted rate for sending rupees by transfer, ₹72.81 for S$1, 6:00 am, 31 Oct. DBS says logging in shows the actual rate for your transaction, and larger amounts may get better rates. Any fee is on DBS’s own screen.	₹72,812.00	−₹1,466.11 (−1.97%)
Singapore bank card, in IndiaPaying in rupees: up to 3.25% on top of Visa’s or Mastercard’s rate (DBS and POSB’s fees). About this much: we work it out at the mid-market rate.	About ₹71,940.06	−₹2,338.05 (−3.15%)

Each ₹0.10 on the rate is ₹100.00 on this amount. At a money changer, type the rate on its board into the box above to see how it compares.

Rates and fees as each provider publishes them; rows marked “about” use the mid-market rate in place of the provider’s own rate, which we don’t read. Not a quote: the provider’s own screen at the time you change is what counts. How we work it out

Copy a link to this result

Every common amount

S$ to rupees at the amounts people send most, each way, worked out the same way as the converter.

Rupees you get for each amount

In rupees, rounded to the rupee. Tap an amount to load it into the converter. Wise’s fee is a fixed part plus a share, so it costs a little more on small amounts; DBS’s posted rate and a bank card’s 3.25% are the same share at every amount.

Sending money to India from Singapore

What arrives in an Indian bank account when you send S$1,000, from Wise’s comparison of banks and transfer services. For any other amount, use the converter: its Wise and DBS rows are transfers.

From Wise’s public price comparison: Wise’s own quote, and the other providers’ prices as Wise collected them, at the times shown. Listed by what arrives, most first. DBS’s own transfer rate is in the table at the top; banks and services Wise doesn’t list aren’t here.

• Compare what arrives, not the fee. On S$1,000 today, ₹73,984 arrives through Wise after its S$4.02 fee, and ₹72,812 at DBS’s posted rate: a difference of ₹1,172. Most of the cost of sending money is in the rate.
• No limit on the Indian side for money sent in. RBI: “A person, may send into India without limit foreign exchange in any form other than currency notes, bank notes and travelers cheques” (RBI). Limits that do apply are the provider’s own, per transfer or per day.
• Check the account details. A transfer to an Indian bank account asks for the account number and the branch’s IFSC code: check both against the recipient’s own bank details before you send.
• Weekends. MAS and the ECB set no rates at weekends, but providers keep quoting their own: Revolut, for one, charges 1% more on exchanges at the weekend on its Standard plan. The rate you lock is the one on the provider’s screen.

Is today’s SGD to INR rate good?

It depends which way you are changing: a rate that is good for sending money to India is bad for changing rupees into S$. Here is today’s rate against every working day of the past year, five years and ten years.

Sending S$ to India: at ₹74.28 for S$1 (the ECB’s reference rates for 30 Oct), your Singapore dollars buy more rupees than on 64% of days in the past year, 93% of days in the past five years and 96% in the past ten.

Changing rupees into S$: it runs the other way. Your rupees buy fewer S$ today than on 35% of days in the past year and 7% in the past five.

We don’t forecast exchange rates, and no one can say where this one goes next. What the past shows: over the past year S$1 bought between ₹67.83 and ₹75.62, a gap of ₹7,794 on S$1,000. If you send money every month, sending the same amount each time evens out the highs and lows. Rupees for S$1 each working day, the ECB’s reference rates.

Email me when the rupee rate moves

One email when S$1 buys more rupees than on any day in the past year, or when the rate has moved 1% or more since our last email, at most once a week, with what S$1,000 sent to India gets each way. Nothing in between.

Your emailEmail me

Send me

Savings Bonds T-bills SORA Fixed deposits CPF interest Electricity tariff Inflation COE results SGD to INR

You confirm by email first. Unsubscribe in one tap. No ads, never shared. How we handle your email

INR to SGD: Indian rupees to Singapore dollars

For a trip or a move to Singapore, fees or a deposit in S$, or rupee savings: what lakh and crore come to in S$. The converter above works this way too: choose “₹ to S$”.

At ₹74.28 for S$1 (the ECB’s reference rates for 30 Oct). One lakh is ₹1,00,000 (a hundred thousand); one crore is ₹1,00,00,000 (ten million), or 100 lakh. Tap an amount to load it into the converter.

Coming to Singapore from India

• Rupee notes: ₹25,000 at most. Leaving India, RBI’s rule for residents: “Any person resident in India, may take outside India (other than to Nepal and Bhutan) currency notes of Government of India and Reserve Bank of India notes up to an amount not exceeding Rs.25,000 (Rupees Twenty Five Thousand only) per person.” Visitors to India may take out the same amount. (RBI, read 1 Nov 2026.) ₹25,000 is S$336.57 at today’s rate, so most of a trip budget has to come another way.
• Rupees in Singapore. Money changers here sell rupees and buy them back at their own rates. Type the board rate into the converter (choose “₹ to S$”) to see what it costs.
• Cards from India. An Indian card used in Singapore converts at the card network’s rate plus your bank’s own foreign currency markup; your card’s schedule of charges has that figure. If a shop offers to charge you in rupees instead of S$, that is Dynamic Currency Conversion: “The exchange rate is set by the merchant or its DCC provider” (DBS and POSB). Paying in S$ leaves the rate to your card.
• Large amounts of cash. Singapore’s rule: “If you move physical currency and bearer negotiable instruments (or CBNI) exceeding SGD 20,000 (the prescribed amount) or its equivalent in a foreign currency into or out of Singapore, you are required to make a Cash Movement Report.” (Singapore Police Force, Suspicious Transaction Reporting Office, read 1 Nov 2026.) That is about ₹14,85,562 (14.86 lakh).

S$ to ₹ and back: quick tables

At the mid-market rate of ₹74.2781 for S$1 (the ECB’s reference rates for 30 Oct). What you get from a bank, card or money changer is a little less: the converter shows how much.

SGD to INR since 2006

Indian rupees for S$1, every working day since 2008 and each month from 2006. The chart opens on the past year.

ECB reference rates, each working day SingStat, monthly average (MAS figures)

1 year5 yearsSince 2006

Tap or hover on the chart to read a value.

686869697070717172727373747475757676

Jan 2026AprJulOct

Year by year

Indian rupees for S$1: the average, fewest and most for each year (each working day where we have them, SingStat’s monthly averages before). A plus means S$1 bought more rupees than the year before: the rupee fell against the Singapore dollar.

The other 11 years, back to 2006

Year	Average	Fewest	Most	On the year before
2016	48.69	46.41	50.40	+4.3%
2015	46.67	44.97	48.31	-3.1%
2014	48.17	46.68	49.41	+2.8%
2013	46.84	42.86	53.80	+9.5%
2012	42.77	38.88	45.49	+15.2%
2011	37.11	34.74	41.28	+10.5%
2010	33.58	31.81	34.99	+0.9%
2009	33.27	31.96	34.20	+8.3%
2008 (monthly)	30.71	27.50	32.93	+11.9%
2007 (monthly)	27.44	26.54	28.85	-3.8%
2006 (monthly)	28.52	27.18	29.53	–

ECB euro reference rates for the rupee and the S$ (rupees per S$1 = rupees per euro ÷ S$ per euro); SingStat table M700051, Exchange Rates (Average For Period), from MAS’s figures (S$ per 100 rupees, which we turn into rupees per S$1). Every day: download the CSV.

The rupee’s long fall against the S$

The rupee has fallen a long way against the Singapore dollar. In January 2006 (a monthly average), S$1 bought ₹27.18; today it buys ₹74.28, 2.7 times as many. That is the rupee losing 63% of its value in S$, or S$1 buying about 5.0% more rupees each year on average.

Most years, not every year. On SingStat’s yearly averages, S$1 bought more rupees than the year before in 16 of the 19 years from 2007 to 2025; in the other 3 the rupee gained.

What it means in money. ₹1 lakh was worth S$3,680 in 2006 and is worth S$1,346 today, before any interest. The other way, S$1,000 sent then arrived as ₹27,178; today it comes to ₹74,278. Savings kept in rupees have to earn more than the rupee loses against the S$ to come out ahead in Singapore dollars.

Most and fewest on record. S$1 bought the most rupees, ₹75.62, on 20 May 2026, and the fewest, ₹26.54, in June 2007 (a monthly average), in the records we hold.

Worked out by Numbers.sg from SingStat’s monthly averages of MAS’s figures (from 2006) and the daily rates above. Past moves don’t say where the rate goes next.

The SGD to INR rate on any date

For an expense claim, an invoice or a receipt: the rate for any working day since 2008.

Date

Any day from 6 May 2008. At a weekend or holiday we show the working day before.

Thursday 30 October 2025

₹68.10 for S$1

₹100 was S$1.4684. S$1,000 was ₹68,099; ₹1 lakh was S$1,468.45.

The ECB’s reference rates, crossed for the day. For every day in one file, download the CSV. For foreign income in an Indian tax return, India’s Income-tax Rules use a different rate, the telegraphic transfer buying rate (rule 115), which this isn’t. This isn’t tax advice.

What DBS charges to send rupees

A bank’s posted rate for sending rupees gives you fewer rupees than the mid-market rate. The gap is the bank’s margin.

On S$1,000, that is ₹1,466 fewer rupees than at the mid-market rate. DBS’s rates list no rate for buying rupees from you, so there is no second rate to compare.

From the data behind DBS’s foreign exchange rates page, with DBS’s own time on it (S$ for ₹100, which we turn into rupees for S$1). DBS: “Log in now to retrieve actual rates for your transaction. Higher transaction amounts may qualify for even greater discounts.” The mid-market rate and DBS’s are set at different times, so part of the gap can be the market moving in between.

At a money changer, in Little India or anywhere else

Each money changer sets its own rupee rates, and we haven’t found one in Singapore, at Mustafa Centre, in Little India or anywhere else, that publishes them on its own website, so this page can’t list them. What you can do at the counter: read the board, put its rate into the converter, and see in rupees what it costs against the mid-market rate, Wise and DBS.

• Which number to read. Changing S$ for rupees, the changer sells you rupees: read its selling rate for INR. Changing rupees back, read its buying rate.
• How it’s written. Boards usually show rupees for S$1 (a number like 73.50), sometimes S$ for ₹100 (like 1.36). The converter takes either.
• Cash or a transfer. Changing cash only makes sense for rupees you will carry: RBI’s limit on notes into India is in coming from India. To get money into an Indian account, a transfer skips the cash altogether.
• Licensed or not. Money-changers in Singapore are licensed by MAS under the Payment Services Act 2019. Check a changer’s name in MAS’s Financial Institutions Directory.

Paying by card in India: in rupees or S$?

A shop, hotel or ATM in India may offer to charge your Singapore card in S$ instead of rupees. That is Dynamic Currency Conversion: “The exchange rate is set by the merchant or its DCC provider”, in DBS and POSB’s words, not by Visa, Mastercard or your bank, and DBS and POSB still add 1% on a credit card and 2.8% on a debit card. Choosing rupees means the card’s own rate plus your bank’s fee (3.25% at DBS and POSB), which you can check against the mid-market rate here.

DBS and POSB: card charges and overseas transaction fees, read 31 Oct 2026.

Why the rate moves

MAS steers the Singapore dollar against a basket of currencies, not against the rupee alone. “MAS manages the Singapore dollar against a basket of currencies along a typically appreciating path or crawl within a policy band.” (MAS). In its October 2026 statement, MAS kept the rate of appreciation, width and centre of the S$NEER policy band unchanged (MAS, 14 October 2026).

The rupee is set in its own market. Whatever moves the rupee against the US dollar and the rest of the world moves SGD to INR with it, so the rate can move when nothing has changed in Singapore.

Over time the rupee has fallen against the S$ in most years (16 of the past 19 on the yearly averages), with years where it held or gained. How far it has fallen

Common mistakes

• “The rate on Google is what I’ll get.” A currency converter on a search page shows a market rate, much like the mid-market rate at the top of this page. Banks, apps and money changers don’t give that rate to customers; the table at the top shows what each way gives on S$1,000 today.
• “No fee means no cost.” Most of the cost of sending money is in the rate, not the fee. A transfer with no fee can still deliver fewer rupees than one with a fee: compare what arrives, not the fee.
• “SGD to INR going up is bad.” A higher number means each Singapore dollar buys more rupees: good for sending money to India, bad for changing rupees into S$. Is today’s rate good? shows both.

From the providers’ own pages, RBI’s and the Singapore Police’s rules and the rates above, linked in each section; the figures are this page’s, worked out from them.

Questions people ask

How we get these rates

• The main rate is MAS’s own figure for S$ per 100 Indian rupees, which MAS gives “as of noon” each working day (MAS, Exchange Rates), turned into rupees per S$1. When MAS’s site can’t be read, as during its maintenance, the main rate is the European Central Bank’s: its euro reference rates for the rupee and the S$ give rupees per S$1 for the same day (ECB, each working day since May 2008). The page says which one it is showing. Both are read every hour from 9:15 am to 6:15 pm; at weekends and on holidays the rate stays at the last working day’s.
• Check: MAS’s and the ECB’s rates for the same day must agree within 1%, or the job flags it for a person to look at.
• Before the daily record: SingStat’s monthly averages of MAS’s figures (table M700051, from January 2006).
• DBS: its posted transfer rate for rupees, from the data behind DBS’s foreign exchange rates page, with DBS’s own effective time. DBS: “Log in now to retrieve actual rates for your transaction. Higher transaction amounts may qualify for even greater discounts.”
• Wise: Wise’s public price comparison (wise.com), read every hour from 9:15 am to 6:15 pm, every day, at S$100, 500, 1,000 and 5,000. Wise’s fee there is a fixed part plus a share of the amount; we fit both to Wise’s four quotes (within a cent or so) to work out the fee on any amount. Other providers’ prices are as Wise collected them, with Wise’s times, for S$1,000 only.
• Cards: DBS and POSB’s published fees (3.25%, DBS and POSB); YouTrip’s (YouTrip) and Trust’s (Trust) own pages; Revolut Singapore, Personal Fees (Standard), version 0.8.1. Card rows use the mid-market rate in place of Visa’s or Mastercard’s own rate, which we don’t read, so they say “about”.
• Rules quoted (RBI on rupee notes and money sent in, the Singapore Police on cash) are word for word from each one’s own page, with the date we read it, and re-read on our update schedule.
• A new rate is refused if it is outside 30 to 150 rupees for S$1, or if the main rate moves more than 4% from our last read within four days; the page then keeps the last good read and says when it was.
• Numbers.sg is not connected to any bank, card, app or money changer named here; no one pays us, and this page has no affiliate links. It is not advice on when or how to change or send money. The converter runs in your browser; nothing you type is sent anywhere. See our disclaimer, how we get our numbers and corrections.

Changes to this page

1. 1 Nov 2026

   New: SGD to INR and INR to SGD. Today’s rupee rate; what your amount comes to sent to India through Wise, DBS and others, by card or at a money changer, against the mid-market rate; rupees typed as lakh or crore; whether today’s rate is good against the past year, five and ten years; RBI’s ₹25,000 rule on rupee notes; the rate on any date since 2008; and every month back to 2006. Email alerts when the rupee rate moves. See today’s rate