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Indian rupee street rate (USDT P2P) — 2026-11-06

As of 2026-11-06, the street rate for the US dollar in India is 106.5 INR per USD, according to the EMpulse Street FX Index (5 sources, confidence medium). The official rate is 94.48 INR; the street premium is -1.7%.

Rates are INR per 1 USDT (treated as 1 US dollar); a rising number means the Indian rupee is weakening. The site shows the rate of the latest hour; a key adds history, alerts, CSV and the API. Pro

INR street rate on 2026-11-06

DayIndex (mid)Buy USDTSell USDT 1 day7 days30 daysSourcesConfidence
2026-11-06 106.5 — — +11.5% +11.5% +18.3% 5 medium
2026-11-05 95.82 95.50 90.29 -0.4% +0.2% -0.2% 20 high

updated 2 h ago (last quote 11:00 UTC)

Changes compare the index with exactly 1, 7 and 30 calendar days earlier. Sources — independent market sources behind the day (shown from two on). Confidence high / medium / limited is explained in the methodology.

Last 24 h

INR, last 24 hours (UTC): 14:00 97.71 to 13:00 106.50 (low 95.50, high 106.50) · 2 outliers hidden · combined

combined

Last 90 days

INR street rate, last 90 days: 2026-08-09 92.75 to 2026-11-06 97.55 (low 75.15, high 97.96)97.9675.152026-08-092026-11-06

Last year

INR street rate, last year: 2025-11-07 91.79 to 2026-11-06 97.55 (low 75.15, high 101.0)101.075.152025-11-072026-11-06

INR per USDT by UTC day; outlier days are left out of the lines. History since 2022-01-02 is available through the API.

Series history: hourly since 2026-07-31, daily since 2022-01-02, 81.1 % of hours in the last 30 days. A missing hour or day stays missing: the index is never interpolated.

Official vs street

On 2026-11-05 the official rate was 94.48 INR per USD (ECB Data Portal (euro reference rates)) and the street rate 92.90: a street premium of -1.7% (7-day average -1.8%, 30-day maximum +1.9%).

INR street premium over the official rate, %: 2026-08-09 -2.6% to 2026-11-05 -1.7% (low -4.1%, high +1.9%)+1.9%-4.1%2026-08-092026-11-05

The premium is (street ÷ official − 1) × 100. Daily series with the official rate, its publication day and source: Official vs Street.

Rate stack on 2026-11-05

INR per US dollar by rung: the central bank's official rate, the customs rate duties are computed at and the street rate, with the gap of the street over each.

RungRatePublishedStreet gapSourcesConfidence
Street 92.902026-11-05 — — high
Official 94.482026-11-05 -1.7% — medium

Public view, one day behind. The interbank, bank and card rungs, the width of the ladder, its trend and the widening signal: FX Rate Stack.

Payment rails on 2026-11-05

Payment rails today: pay-ins — bank transfers healthy · instant transfers healthy; payouts — bank transfers degraded market-wide (since 2026-11-01 20:00 UTC).

MethodDirectionStatusSince
Bank transferspay-inshealthy —
Instant transferspay-inshealthy —
Bank transferspayoutsdegraded 2026-11-01 20:00 UTC

healthy / degraded / outage by the published hourly rules; public view one day behind. The health index, hours and the incidents feed: Rail Health Index.

Last 30 days

DayIndexBuy USDTSell USDT 1 daySourcesConfidence
2026-11-06 97.55 95.50 — — 3 medium
2026-11-05 95.82 95.50 90.29 -0.4% 20 high
2026-11-04 97.96 96.11 90.35 0.0% 12 high
2026-11-03 96.43 95.50 91.02 +0.5% 14 high
2026-11-02 96.20 95.50 90.06 0.0% 12 high
2026-11-01 96.64 95.50 90.00 -1.0% 8 high
2026-10-31 97.48 97.45 90.00 +0.8% 8 high
2026-10-30 96.32 95.77 90.21 +0.3% 9 high
2026-10-29 96.06 95.50 90.00 -4.4% 12 high
2026-10-28 88.09 104.0 90.00 +4.1% 5 high
2026-10-27 83.77 95.50 90.88 +0.5% 4 high
2026-10-26 83.00 95.50 90.00 — 3 high
2026-10-25 95.50 95.50 — 0.0% — high
2026-10-24 85.20 95.50 — — 3 high
2026-10-23 92.93 95.87 90.00 -0.7% — high
2026-10-22 83.39 95.89 91.21 -2.3% 2 high
2026-10-21 75.15 100.5 90.91 +3.0% 2 high
2026-10-20 92.93 95.87 90.00 -0.5% — high
2026-10-19 93.15 95.53 91.34 +0.7% 3 high
2026-10-18 92.75 95.50 90.00 0.0% — high
2026-10-17 92.76 95.51 90.00 -0.1% — high
2026-10-16 92.81 95.52 90.11 -0.5% — high
2026-10-15 93.27 96.55 90.00 0.0% — high
2026-10-14 93.28 96.47 90.10 -1.8% — high
2026-10-13 94.98 99.88 90.09 +0.1% — high
2026-10-12 94.90 99.61 90.18 +2.3% — high
2026-10-11 92.77 95.53 90.00 -3.0% — high
2026-10-10 95.65 101.3 90.00 +1.4% — high
2026-10-09 94.29 98.22 90.37 +1.1% — high
2026-10-08 93.29 96.00 90.58 -1.4% — high

How it is computed

EMpulse Street FX Index: daily street exchange rates of emerging-market currencies against the US dollar (USDT) — the rate people actually pay, not the official one — built from transaction-based market data and quotes from independent public market sources, with a confidence class and the number of sources on every figure.

The index of a day is one number: when both components publish the same day, their mean weighted by confidence; outlier days are kept but excluded from averages and changes; the current day is revised until 00:00 UTC. Full rules, fields and revision policy: methodology (PDF) · accuracy.

Get INR via the API

curl -H "X-API-Key: YOUR_KEY" https://api.empulse.ai/v1/rates/INR

JSON by default, CSV with Accept: text/csv or /csv; fields: day, buy, sell, mid, spread_pct, confidence, 7-day average, 1/7/30-day changes. Get a free key (1-day delay) or Pro for the current day and hourly rates. API reference · try without a key.

Questions

What is the black market dollar rate in India today?
As of 2026-11-06, the EMpulse Street FX Index puts the street rate of the US dollar in India at 106.5 INR per USD (confidence medium). The site shows the rate of the latest hour; a key adds history, alerts, CSV and the API.
What is a street rate and how is it different from the official rate?
The street rate is the rate at which people actually buy and sell dollars (USDT) in India, on the open market, outside the official or interbank quote. Where the official rate is managed or lagging, the gap between the two is the street premium. On 2026-11-05 the official rate was 94.48 INR and the premium -1.7%.
Where does the INR street rate data come from?
The EMpulse Street FX Index combines transaction-based market data with quotes from independent public market sources, weighted by the reliability each source has earned. Every day carries the number of sources and a confidence class (high, medium or limited); the methodology is public at https://empulse.ai/methodology.
How often is the Indian rupee street rate updated?
Every hour for currencies with an hourly series, daily for the others. The site shows the rate of the latest hour; a key adds history, alerts, CSV and the API.

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