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Getting to grips with money in India is simpler than it looks. A mix of cash and cards, a little bargaining and an understanding of local tipping customs will see you through comfortably. Here is a practical guide to currency, cards and tipping in India.
India's currency is the Indian rupee (INR, written ₹). Notes come in a range of denominations, and coins are used for small change.
A few things to keep in mind:
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Accessing money on the ground is straightforward in most towns and cities.
Carry a backup card stored separately in case one is lost or swallowed by a machine.
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If you bring foreign cash, exchange it at reputable places.
Compare a rate or two, but don't obsess — the difference on a modest sum is usually small.
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Tipping, often called baksheesh, is woven into everyday life in India and is genuinely appreciated. It needn't be large, but small tips smooth many interactions.
As a rough guide:
Carry a stash of small notes specifically for tipping so you're never caught short.
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Haggling is part of the fun in India's markets, though not everywhere.
India can suit almost any budget, from simple guesthouses to grand heritage hotels, so decide roughly what you'll spend and keep a little contingency for treats and tips.
On our small-group trips, much of the day-to-day spending — transport, accommodation and many meals — is handled within the price, so you carry cash mainly for tips, shopping and the odd chai. With guides on hand to advise on fair prices and local customs, you can relax about the rupees and focus on the experience. Come and enjoy India with the money side taken care of.
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