India Bank Exchange Rates Today: SBI vs Central Bank
Buy and sell exchange rates from SBI for every major currencies, bank by bank, next to the Reserve Bank of India official rate. Updated hourly, free JSON API.
The first read of the bank boards has not landed yet. The table appears automatically after the next hourly run.
Banks in India
About these rates
Indian banks publish a daily card rate with separate columns for telegraphic transfers, bills, forex travel cards and currency notes; the pair here is the TT rate, which an inbound remittance is converted at. The Reserve Bank’s reference rate is published once each afternoon and is a reference for accounting, not a price anyone transacts at, so a bank’s buying rate always sits below it.
Free JSON API
Keyless and CORS-open, refreshed with every read. Attribution back to allratestoday.com is the only condition.
# Every covered bank in this country, latest board
curl "https://allratestoday.com/api/open/bank-rates/in"
# One bank, one currency
curl "https://allratestoday.com/api/open/bank-rates/in/sbi?ccy=INR"{
"bank": "sbi", "name": "State Bank of India", "quote_ccy": "INR",
"captured_at": "2026-09-22T16:11:18.000Z",
"bank_updated_at": "the bank's own stamp, where its page prints one",
"basis": "which board these rates are, e.g. telegraphic transfer",
"ccy": "USD", "buy": …, "sell": …, "mid": …,
"spread_pct": …, "official": …, "vs_official_pct": …,
"disclaimer": "Retail buy/sell rates as displayed on each bank's own website …"
}Frequently asked questions
What is the difference between a bank’s buying rate and selling rate?
Both are quoted as the local currency per one unit of the foreign currency. The buying rate is what the bank pays you when you hand it foreign currency; the selling rate is what it charges when you buy foreign currency from it. The gap between them is the bank’s spread.
Why do these rates differ from the central bank rate?
The central bank publishes one reference rate per currency per business day. Banks quote around it with a margin and refresh their boards several times a day. The central bank row is the number to use for accounting, tax and customs; the bank rows are what you would get at the counter or in the app.
How often are the bank rates updated?
AllRatesToday reads each bank’s public rates page once an hour and shows the time next to every row. Where the bank prints its own last-updated time, that is shown instead. Banks can change boards between reads, so treat every figure as indicative and confirm with the bank before a transaction.
Can I get these rates through an API?
Yes. The keyless endpoint /api/open/bank-rates/{country} returns every covered bank’s latest board as JSON, and /api/open/bank-rates/{country}/{bank} returns one bank, optionally narrowed with ?ccy=INR. Attribution back to allratestoday.com is the only condition.