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 $250 through Remitly in 2025 — 12 transfers of ~$21.
Remitly typically marks up the rate by 0.2%–0.45% vs mid-market. The best provider (usually Wise above $2K) uses mid-market with a small fee.
$21 × 12 transfers × 0.2%–0.45% markup = the range above.
Based on 2025 monthly USD/INR rates. Estimate, not a record of actual transfers.