Historical rates, seasonal patterns, and a personal retrospective. Context — not predictions.
A higher number means your dollar buys more rupees. The rate has steadily climbed from ~67 in 2016 to ~93 today.
Source: Monthly data from x-rates.com and RBI. 123 data points.
Based on the last 3 years (2023–2025), some months consistently deliver more ₹ per dollar than others.
The difference: sending $1,000 in Dec vs Jan = ₹2,460 more for your family.
Higher number = more ₹ per dollar. Past patterns do not predict future rates — this is context, not a recommendation to time transfers.
Enter your 2025 pattern. We estimate the gap — with ranges, not false precision.
You sent $60,000 through Remitly in 2025, in 12 transfers of ~$5,000.
If you had used RateCheckr's daily recommendation and sent through the best provider each time, your family would have received approximately:
That's roughly ₹865 – ₹1,946 more per transfer
Remitly typically marks up the exchange rate by 0.2% – 0.45% compared to the mid-market rate. The best available provider (usually Wise for amounts above $2,000) uses the mid-market rate with a small flat fee.
On $5,000 per transfer × 12 transfers, that markup difference adds up to the range shown above. The range exists because Remitly's markup varies day to day.
Based on 2025 monthly average USD/INR rates from x-rates.com. This is an estimate, not a record of your actual transfers.