What Is the AUD to INR Rate Today?

Skydo gives the highest INR on AUD 5,000 today among the platforms with full published pricing for AUD. The table ranks those platforms by INR received, then lists other platforms that accept AUD, which are never ranked. Fees were checked on 30 Sept 2026.

Indian exporters usually receive Australian dollars by SWIFT wire to their AD bank, or through a collection service that gives Australian account details. Australia is not an ACU member, so RBI's Manner of Receipt and Payment Regulations allow receipt in any foreign currency through an authorised bank.

Over the last year the AUD to INR reference rate ranged from ₹57.42 to ₹69.36. The chart uses European Central Bank reference rates, one point per ECB working day.

Each row applies the platform's published fee, FX markup and 18% GST on the fee to the mid-market rate of ₹66.14 for 4 Nov 2026.

Banks buy Australian dollars at a TT buying rate set below the mid-market rate, and that gap is the bank's margin. AUD to INR trades less than USD to INR, so some banks price it through the US dollar, which can add a second spread. Ask your AD bank how it prices AUD.

Say a bank converts AUD 5,000 at a TT buying rate 1.5% below the mid-market rate of ₹66.14. It credits about ₹3,25,759 instead of ₹3,30,720, a difference of ₹4,961 before any fees. The 1.5% is an illustration, not a quote from any bank.

Search engines show the mid-market rate, the midpoint between buying and selling prices. A card rate is a bank's own rate for card transactions, and a TT buying rate is the rate a bank pays when it buys foreign currency received by wire. Both sit below the mid-market rate.

The Australian dollar floats. The Reserve Bank of Australia says Australia has had a floating exchange rate regime since 1983, with rates set by supply and demand for foreign exchange. The RBA's Monetary Policy Board sets the cash rate to keep inflation at 2 to 3 per cent.

• Cash rate: The RBA's Monetary Policy Board sets the cash rate, the interest rate on overnight loans in the money market. The RBA says interest rate differentials are one driver of exchange rates in the medium term.
• Economic outlook: The RBA lists international competitiveness and the relative economic outlook of each economy as medium-term drivers of an exchange rate.
• Dollar moves: Cross rates link the pairs, so a move in AUD to USD can change AUD to INR even when USD to INR is steady.
• RBI action: RBI manages FEMA with the stated aim to promote orderly development and maintenance of the foreign exchange market in India, which affects the rupee side of the pair.
• News: The RBA notes that daily fluctuations may reflect speculation or news and events that affect the two economies.

Exporters can convert Australian dollars at spot, lock a rate with a forward contract, set a target rate with their bank, or hold AUD in an EEFC account. Availability of AUD to INR forwards varies by bank, so ask your AD bank. EEFC balances must still be converted by the end of the following month.

• Spot: Your AD bank converts the AUD on the day it is credited, at that day's TT buying rate. This suits invoices you need in rupees straight away.
• Forward: RBI's Master Direction on Risk Management and Inter-Bank Dealings lets AD banks offer forward contracts to hedge a contracted or anticipated exposure. The contract's amount and tenor cannot exceed those of the exposure.
• Limit order: Some banks accept an instruction to convert when AUD to INR reaches a target rate. Ask your AD bank whether it offers this and what it charges.
• EEFC holding: You can credit up to 100% of export earnings to an EEFC account and convert later. RBI requires each month's accruals to be converted to rupees by the last day of the following month, after approved uses or forward commitments.

• Compare quotes: Check your AD bank's AUD TT buying rate against the mid-market rate on the same day and work out the gap as a percentage.
• Direct pricing: Ask whether your bank quotes AUD to INR directly or converts through USD, since a cross rate can carry two spreads.
• Invoice currency: If your bank prices AUD poorly, compare the cost of asking the client to pay in USD instead, which is allowed for Australian clients.
• Ask for charges: Ask whether intermediary banks deduct charges on SWIFT wires and whether the sender can choose to pay them.
• Get the advice: Keep the bank advice or e-FIRC for each credit, which records the rate applied so you can check it later.

Compare platforms side by side on the compare page, or check every currency on the currency convertor.

• Feed: XE live mid-market rates, published live; this site refreshes it every 15 minutes. The page refreshes at most hourly.
• Markup: Markup is the gap between a platform's rate and the mid-market rate, taken from each platform's own published pricing. GST of 18% applies to fees where the platform says so.
• Stale data: If the feed fails, the page shows no rate and pauses the calculator rather than showing an old rate as current.
• Method: The full formula is on the methodology page.

Rates come from XE live mid-market rates, dated 4 Nov 2026. Platform pricing was checked on each platform's own pages on 30 Sept 2026 or later. Currency facts are linked to official sources below.

1. XE live mid-market rates (checked 4 Nov 2026)
2. RBA: Exchange Rates and their Measurement (explainer), Australia has had a floating exchange rate regime since 1983. In a floating regime, exchange rates are generally determined by the market forces of supply and demand for foreign exchange. In the medium term, movements reflect changes in interest rate differentials, international competitiveness and the relative economic outlook. Daily fluctuations may reflect speculation or news and events. (checked 8 Oct 2026)
3. RBA: Monetary Policy, Monetary policy involves setting the interest rate on overnight loans in the money market (the cash rate). The Monetary Policy Board sets monetary policy to keep inflation in the economy to 2 to 3 per cent. (checked 8 Oct 2026)
4. RBI: Foreign Exchange Management (Manner of Receipt and Payment) Regulations, 2023 (amended up to February 12, 2025), Regulation 3(2)(I)(a)(iii): for trade with countries other than ACU members, receipt may be made in Indian Rupees or in any foreign currency, through an Authorised Bank or Authorised Person. (checked 8 Oct 2026)
5. RBI: About Us, functions of the Reserve Bank, Manager of Foreign Exchange: manages FEMA, 1999 with the objective to facilitate external trade and payment and promote orderly development and maintenance of foreign exchange market in India. (checked 8 Oct 2026)
6. RBI Master Direction - Deposits and Accounts (updated September 02, 2026), Para 3.1: EEFC credits include 100 percent of foreign exchange earnings; 3.1(6): the sum total of the accruals in the account during a calendar month should be converted into Rupees on or before the last day of the succeeding calendar month after adjusting for utilization of the balances for approved purposes or forward commitments; 3.1(4): non-interest bearing account. (checked 8 Oct 2026)
7. RBI Master Direction - Risk Management and Inter-Bank Dealings (updated October 01, 2026), Para 2.2(ii): AD banks may offer foreign exchange forwards to retail users; 2.3(ii): deliverable derivatives involving INR are for hedging; 'Hedging' covers an anticipated or a contracted exposure; 2.4(i): notional amount and tenor of the derivative contract does not exceed the value and tenor of the exposure; 2.4(ii): users may freely cancel and rebook; net gains on hedges of anticipated exposures are passed on only at the time of the cash flow. Definition (f): a forward settles on a specified date more than two business days later at a rate agreed on the date of the contract. (checked 8 Oct 2026)