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Official live rates and market reference data. US Wall Street (S&P 500, NASDAQ, Dow Jones) and Indian Markets (NIFTY 50, SENSEX) stream live strictly during their respective trading sessions. USD to INR, Gold, Silver, and Crude Oil update once every 1 hour.
Mon - Fri, 09:15 AM - 03:30 PM IST. Shows official closing prices when closed.
Updates 1 Hour Once. Official Interbank Reference Rate.
Updates 1 Hour Once. Official IBJA Bullion & MCX Spot.
Official Periodic Gazette from RBI MPC & MoSPI releases.
The global standard for core index portfolios, 401(k) retirement allocations, and international equity diversification.
The primary growth engine for tech-heavy portfolios and mutual funds investing in global artificial intelligence and cloud leaders.
A primary barometer of global economic health and large-cap institutional cash flow stability.
The primary benchmark for Indian index funds and large-cap mutual funds where the majority of retail monthly SIPs are invested.
A key gauge of domestic retail investor sentiment and macroeconomic health in corporate India.
When gold rises, Sovereign Gold Bonds (SGBs) and Gold Mutual Funds gain in portfolio value.
High volatility commodity—typically provides tactical diversification alongside traditional equities.
Rising oil prices increase domestic petrol/diesel costs, elevate transportation freight, and exert inflationary pressure on household grocery budgets.
A weaker rupee increases foreign travel, overseas tuition fees, and crude import costs, but boosts Indian IT and exporter earnings.
Compounded quarterly under RBI regulations. Fixed returns offer capital preservation, but interest is fully taxable as per your income tax slab.
Directly governs external benchmark-linked Home Loan and Personal Loan EMIs. An unchanged repo rate keeps monthly home loan EMIs predictable.
When inflation is 3.65% and Bank FDs yield 7.25%, your real post-tax return remains positive, preserving the purchasing power of your savings.
Resident Indian individuals can remit up to USD $250,000 per financial year (April–March) for permissible current or capital account transactions including foreign education, medical expenses, overseas stock investments, and family maintenance without prior RBI approval.
Education loans via recognized financial institutions incur 0.5% TCS on amounts exceeding ₹7 Lakhs. Self-funded foreign education and medical travel incur 5% TCS above ₹7 Lakhs. Foreign tour packages and other capital transfers attract 20% TCS (claimable as tax credit in your ITR).
Foreign money transfers received in India through authorized banking channels (MTSS, RDA, wire transfers) from non-resident family members are 100% income tax-exempt in the hands of the recipient Indian family member.
Exporters of goods and services must realize export proceeds within 9 months from the date of export. Under RBI's international trade settlement framework, cross-border payments can also be settled directly via Special Rupee Vostro Accounts (SRVA).
| Bank / Institution | 1-Year Tenure | 3-Year Tenure | 5-Year Tax Saver | Senior Citizen Extra | Official Source |
|---|---|---|---|---|---|
| State Bank of India (SBI) | 6.80% | 6.75% | 6.50% | +0.50% to +0.80% | Verify |
| HDFC Bank | 7.10% | 7.00% | 7.00% | +0.50% | Verify |
| ICICI Bank | 7.20% | 7.00% | 7.00% | +0.50% to +0.55% | Verify |
| Punjab National Bank (PNB) | 6.85% | 7.00% | 6.50% | +0.50% | Verify |
| India Post (5-Year TD) | 6.90% | 7.10% | 7.50% | Standard Gov Guaranteed | Verify |
Key benchmark rate for all floating bank loans (Home loans, car loans, MSME credit).
The rate at which the RBI absorbs uncollateralized overnight liquidity from banks.
Penal emergency lending window for scheduled banks facing overnight liquidity shortages.
Percentage of total bank deposits that banks must keep as cash reserves with the RBI.
Under RBI rules, all floating-rate retail loans are linked to External Benchmark Linked Lending Rates (EBLR), which directly track the repo rate. When the repo rate rises or falls by 25 bps, banks adjust your loan interest rate accordingly within the quarter.
RBI mandates quarterly compounding for all cumulative term deposits across commercial banks. This means interest earned in each 3-month quarter is added to the principal, earning interest on interest for the subsequent quarters.
The India Bullion and Jewellers Association (IBJA) polls top bullion dealers across the country twice daily (at 12:00 PM and 5:00 PM IST) to determine the benchmark price of 24K and 22K gold, factoring in international spot prices, currency exchange rates, and statutory import duties.