Most main question which visits travelers when planning a trip to Goa: currency. Indeed, in order to calculate the travel budget and not get into trouble upon arrival in India, it is better to study the nuances of the money market in advance. The latest exchange rate in Goa is available on almost all thematic sites, including on the official pages of central banks. It is updated daily and it is quite easy to calculate how much to take with you. It is more difficult to decide which money is more convenient to use: cash or on plastic cards?
The official currency of India, the only one allowed in circulation, is the Indian rupee. In the international classification, they have the designation INR.
All paper money in Goa has the image of Mahatma Gandhi on one side. Denomination: 1, 5, 10, 20, 50, 100, 500, 2000 rupees.
In November 2016, a reform was carried out: banknotes of 500 and 1000 rupees of the old sample were withdrawn from circulation. The situation with the money market at that time was rather turbulent, and even critical for tourists: huge queues, an overnight collapse in cash settlements. The news, broadcasting the speech of the Prime Minister of India, practically stopped the work of the banking system.
At the moment, the problem has not yet been resolved. Experienced tourists recommend not to change all the currency to rupees at once and try not to take big money in exchangers. Because the only way to pay is often cash dollars. Despite the fact that their circulation in India is outside the official cash flow.
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The currency that will provide you with relative peace of mind in Goa is dollars. Just in case, stock up on banknotes of different denominations. They are accepted not only by exchangers and banks. Taxi drivers, guides, shek owners will gladly accept dollars as payment. Of course, officially it is forbidden, but money turnover in India in many respects has something in common with the domestic one.
Euros are less respected here, that is, it will not be possible to pay freely, unlike dollars. But changing them is easy.
Arriving from the countries of Southeast Asia, you will not be left without money. In addition to dollars and euros, you can change the currencies of neighboring countries in exchangers.
If you prefer to pay plastic card Please note that in Goa, trade and services are almost entirely cash-oriented. The cities here are small. There are ATMs in Goa at all resorts, but they do not always work smoothly: money ends at the most unpredictable moment.
You can’t project into the future, but in November 2016, a hard cash withdrawal limit was set - up to 2.0-2.5 thousand rupees at a time. At the moment, it is allowed to withdraw no more than 10.0 thousand rupees. It is not a fact that this situation will not happen again in November 2018.
The exchange of rupees in Goa is not difficult at all. The state is completely focused on tourists. The only problem is the course. It is different everywhere. Even taxi drivers will take the currency in their own way, only for them at an affordable rate. Everywhere, with the exception of banks and official exchangers, be sure to bargain.
The exchange rate of the rupee against hard currencies for the Indians is a loose concept. It even depends on the denomination of the exchanged money.
Arriving in Goa, the first impulse of a tourist will be to change currencies at the airport. It is logical, especially since you need to somehow get to your destination, which means getting rupees. It is important not to make a mistake and not immediately change all the cash into the local currency: the dollar exchange rate at the airport is extortionate.
Change exactly as much as you need for a trip to your chosen hotel or village on the coast. The amount required for a taxi can be clarified at the prepayment counter. Taxi drivers will gladly take in dollars, but be sure to bargain. This money is enough for a couple of days of a comfortable life in Goa, so it's better to choose a route public transport. For buses with several transfers, you will need no more than 100 rupees.
A good dollar exchange rate will be given to you in travel agencies. Their offices are in all coastal towns and cities. In Morjim, you can even exchange rubles for rupees. The course is floating. On average, it is 1:1. Alternatively, there are agents in Goa that accept transfers to cards of Russian banks and issue cash rupees immediately into their hands.
Exchangers sometimes do not agree to change banknotes with a face value of less than $100 or make an additional markup. For Goa, this is par for the course.
In India, next to an ATM, you can find a colorful guard in the form of an Indian soldier in full uniform with rare samples of firearms.
ATMs in Goa are slightly different from ours. The card is read without absorption inside. The menu is simple and clear, in English. They accept MasterCard and Visa.
The same travel agencies offer an alternative to ATMs. Most of them have a cash-advance service. However, it is not safe, it is better to play it safe and change money.
It is unlikely that you will be able to withdraw cash in Goa through an ATM without a commission. Because the ATM network State Bank India (SBI), as well as the Bank of India (BOI) and Canara Bank, where it is guaranteed that there will be no additional withdrawal costs, do not cover the needs of tourists: they have many branches, but not very ATMs.
Experienced travelers It is recommended to carefully study the tariffs of the issuing bank. As a rule, they all take either a commission or a fixed percentage. Cashing out with MasterCard will be cheaper than with Visa cards. The size is within 90-150 rubles.
Depending on which Indian bank owns the ATM, you may be charged additional fees. The most common ATMs are ICICI, HDFC, and Axis, and they make tourists poorer by about 200 rupees per transaction. Although they warn about this before your final consent to conduct it.
Do not agree to a direct exchange in rubles from the card: the commercial rate will be a real shock. It is much calmer to conduct a transaction through an intermediate exchange for dollars.
The collapse of the monetary reform that began in November 2016, despite assurances from the beginning of the year to lift restrictions, continues to this day. Due to the huge amount of old-style rupees in the hands of the population, there is no guarantee that printing press cope with the load in the near future, no. Although by the new season, which will begin in November 2018, the situation should exhaust itself.
Please note that experienced travelers advise:
Everyone decides for himself to take currency or cards with him. For a short trip for a couple of weeks, you can take dollars with you. For longer stays, plastic is better: it’s easier to carry around and not worry about your money.
When going to Goa, monitor the situation with the money market. There is no need to wait for news this season, but in the new one, which will begin in November 2018, new innovations are not excluded.
The Indian rupee has an interesting and original history of development. Coins in the distant Middle Ages began to be minted under the leadership of the ruler Shera Shah, who understood that the development of the country's economy depended on them. The first of them was equal to 40 pieces of copper - paise. Their weight slightly exceeded 11.5 grams. At first, the rupee was round. But under Shah Akbar, namely, he began to actively popularize the monetary unit of India, the coins acquired rectangular shape: blessings and wishes were written on them. Often, rupees received nominal names in honor of wealthy nobles.
The Indian rupee exchange rate was initially very high, and the coins were of excellent quality. But this was observed before the formation of the British colonial state in India. After this event - the loss of independence by the power - the rupee also lost its original and original appearance. On its sides, the faces of the English kings began to appear more and more often. The first to depict the monarch Wilhelm IV.
Indian rupees became fully unified in 1835. After 30 years, the so-called government rupee was officially introduced into circulation, and a new division was established: one coin was equal to 64 paisas. But this did not affect the strength of the local currency: already in 1883, a period of rapid depreciation of the currency began. It was said that the reason for this was the silver standard. Like, if coins are minted from gold, they are always able to remain competitive.
In 1947, India freed itself from British rule. From this period, a new stage in the development of rupees starts: the country began to issue banknotes. Paper bills were before that, but they did not enjoy such overwhelming popularity. In the second half of the 20th century, the currency began to take on an interesting look, to “acquire” strong elements of protection. Today, the rupee is in active use in India. On the territory of the state there is a wonderful coin museum, where all copies of the monetary unit are collected: from the moment of their creation to the present day.
Today, the monetary unit is largely dependent on the American currency. The Indian rupee against the dollar, as well as against the euro and the ruble is correlated according to the numerical values and the framework that is affected by financial situation in the state and world economy generally. It is denoted by Rs. Banknotes of the same denomination may be different: this is not a fake, but different modifications of the same banknote. Despite this, all paper money has a common obligatory element - the image of Mahatma Gandhi. Banknotes can be issued in honor of certain people or important events. For example, on the back of 500 rupees there is a picture of the Salt Campaign, an episode of the struggle of the people against colonial taxes. Instead, the country's largest currency, the thousand rupees, is dedicated to the Indian economy.
The currency of the Indian rupee has changed frequently. Modern coins have again found a round shape, only today they are made of aluminum. The national emblem of the state is minted on all of them - the capital of a column decorated with three lions. He led the state as far back as the 3rd century BC.
Indian rupees have a whole system of elements that protect them from massive falsifications. One of the degrees of protection is a watermark made in the form of a portrait of Mahatma Gandhi. It is visible if you look at the banknote against the light. Banknotes also have a so-called diving which appears in bright light as a dark continuous strip. In addition, there is an RBI microelement on the currency, which can only be seen with a multiple increase, as well as a hidden picture, visible only at a certain angle.
Other security features include special tactile markings, embossed printing, the original serial number and a matching image. Banknotes are colored with a special ink that contains optically variable pigmentation, which changes the palette depending on the viewing angle and the intensity of illumination. There are also UV elements: colored fibers and luminescent substances that transform the shade under the action of ultraviolet rays.
If you decide to spend your vacation in India, you will definitely face the question of where and how best to exchange for local ones. A financial transaction can be carried out directly at the airport upon arrival. But experienced tourists do not advise doing this: the Indian rupee against the ruble in these points is at a slightly low price level. That is, you can lose a little on the exchange. In addition, you can be deceived: India is an eastern country on the very outskirts of Asia, where counterfeiters are actively operating. As for the exchange of money that seemingly decent hotel administrators or taxi drivers offer you, such actions are also fraught with the loss of hard-earned money. Run from them like the plague.
The Indian rupee exchange rate is the most favorable for a traveler in a bank. There are also exchange offices, but you should contact them only as a last resort. When conducting financial transaction make sure that you are not given too large banknotes. With such banknotes, you will have extra difficulties when paying for services and goods: here sellers never have change.
Indian rupees can be obtained not only by exchanging "live" money, but also by withdrawing from a plastic card. Instead, it is not recommended to use it: this method is far from safe, and besides, it has long outlived itself. If the choice was stopped on the card, then it would be wise to go to your bank before the trip and clarify everything important nuances: is the plastic device serviced in India, what difficulties may arise in obtaining money. Ask your manager about possible restrictions and bonuses.
To the exotic eastern country better grab some cards international systems: Mastercard and Visa. You can use them not only at ATMs near financial institutions, but also in large shopping malls, airports, hotels. If you lose your card, do not despair: call your bank immediately to block it immediately. It is better to keep the card in a hotel room in a special safe. Cases of theft in India happen often, and even the staff of your hotel can commit a crime. Especially if he sees that you are the owner of a GOLD class card.
Withdrawing money using these devices, you pay a commission. Its size is similar to the fee that is collected in third-party banks upon receipt of funds. Usually it is 1% of the total amount. In this case, the commission cannot be less than 3 dollars. It turns out that what more money you take off, the more profitable it will cost you. There will be no need to constantly run to the ATM, each time losing a fairly decent amount.
In India, there are some restrictions. For example, you will not be able to withdraw more than 20 thousand rupees. Banks also have strict limits regarding the daily amount issued. Be sure to keep all receipts after the transactions. They will be useful in the reverse exchange of rupees for foreign currency, when buying tickets at the box office for tourists, as well as during other important manipulations. By the way, there are ATMs in the country that "pull" banknotes back if you do not pick them up within 30 seconds after the end of the operation.
Many travelers claim that it is most profitable to exchange dollars in India. American currency is highly valued here local population: it is readily accepted not only by serious financial institutions but also small traders in the market. The Indian rupee to the dollar today is in the following ratio: 1:0.01. That is, for one dollar you can buy 68 rupees. To get your bearings: how much does a liter of gasoline cost in this country. For ten dollars, you can rent a modest hotel room: daily accommodation in a two-star hotel costs from 600 rupees.
The Indian rupee against the euro is at a similar price level. A single denomination banknote is equal to 0.01 European currency units. can be exchanged for 74 rupees: this is seven minutes of calling home from the card of the mobile operator of this country. As for domestic money, the range in which the Indian rupee is to the ruble is as follows: 1: 1.2. One ruble can buy only 0.83 rupees. When exchanging money, do not forget to count and check them. appearance banknotes for possible damage.
The very first money in India were metal coins made of copper or silver. The first banknotes appeared much later, in 1861. At the same time, until 1949, money from France, England, Spain, and Pakistan was in circulation on Indian territory. And only two years after independence, in 1949, India got its own money.
The monetary unit in India, according to Indian law, is rupee. One rupee is equivalent 100 paisam.
Commemorative coins and banknotes are sometimes issued for various events and activities in the country.
Once in India, banknotes of 0 rupees were issued, which, of course, could not be paid. They were a kind of symbol of the fight against corruption.
Since 1996, the Reserve Bank of India has put into circulation:
The rupee is indicated by the icon Rs. It is worth noting that a banknote of the same denomination may have a different appearance. These are not fakes, just different modifications of the same banknote are issued. The Reserve Bank is responsible for issuing money. Recently, banknotes have been issued with more and more reliable protection.
Import and export of Indian rupees is prohibited, and foreign currency can be imported and exported without restrictions.
All coins are round. Coins are usually made from steel or aluminium. All coins feature the Indian coat of arms.
Banknotes have one distinctive sign: they all contain an image on the obverse. Mahatma Gandhi. And they differ in color and images on the reverse.
The 5-rupiah note depicts a man plowing a field with a tractor at sunrise. The denomination is executed in greenish shades.
The 10-rupee orange bill features a snarling tiger, a rhinoceros and the symbol of India, the elephant. 
The 20 rupee banknote features an exotic Indian landscape: palm trees, sea, clouds. The banknote has reddish hues. 
50 rupees - lilac, it depicts the building of the Parliament of India. 
The 100 rupee banknote depicts mountain peaks. That is why the banknote is made in blue colors. 
A group of people led by M. Gandhi is depicted on the 5000 note. Yellow banknote. 
The red banknote of 1000 rupees depicts the symbols of the country's industry and economy. Arriving in India, you will definitely face the question of where to exchange currency. This is a very important question.
Please note that you should change the currency only in specialized places:
In India, many establishments may have problems with change from large denominations. Therefore, when exchanging, you can ask for part of the amount to be given to you in small bills. Do not forget to check the appearance of banknotes and count the cash without leaving the place of exchange.
Bring better dollars , as they can be exchanged everywhere and at a more favorable rate.
Remember that you should not exchange currency where a taxi driver or hotel administrator offers you to exchange money: you can exchange money at an unfavorable rate or even lose it.
When exchanging money or withdrawing from an ATM, always take and keep the receipt. It may come in handy when exchanging rupees for other money, if at the end of the trip you do not spend all the rupees.
You can bring money in cash or plastic cards. Traveler's checks should not be used, this method has already become obsolete, and simply is not safe.
If you decide to use the card, check with your bank before you travel to see if your card is accepted in India.
It would be wise to take cards of two systems with you: Visa and Mastercard, because some ATMs accept only Mastercard cards, and some - Visa.
Better use cards with a chip: you can use it only with a pin code, which, in turn, is safer.
If you happen to lose your card, call your bank immediately and block it.
Most ATMs have employees. You can check with them whether the ATM accepts your card or not. This information is usually written on the ATMs themselves.
There are a lot of ATMs in India that accept only Indian cards.
Read the notifications on the ATM screen carefully. Some ATMs charge a fee to access foreign account. To avoid this, use some other ATM.
With a bank card, you can also pay for purchases in many stores in India. However, there is usually a small commission charged.
The year is 2020, which means that money transactions abroad are becoming easier and easier, including in India.
Today, the best way to use money in Goa is to use multi-currency bank card Tinkoff Black.
The action plan is:
All is ready! Now you can pay and/or withdraw money at any ATMs in India, bypassing currency conversion.
For security purposes, indicate the dates of your trip so that the Bank is aware and does not block access when you conduct money transactions abroad.
To replenish a ruble account without commission, you can link a Sberbank card.
Multicurrency debit service Tinkoff cards Black costs 99 rubles. per month or free of charge in the following cases:
Quite about who discovered India?
Thus, in all major tourist cities it will not be difficult to use the card and exchange currency. ATMs and exchange offices are literally at every step. But in small towns and villages, it is better to have cash with you, mostly in small denominations.
For a long period of its existence, India was under the control of different countries. This is mainly for England. This fact left a serious imprint on many different elements, including what the Indian currency eventually became.
In fact, the first mention of monetary units ah countries date back to 1542. Many travelers are interested in the name of the official currency of India. The answer is very simple: since its inception, these funds have been called "rupiah", which literally translates simply as "minted silver." Subsequently, the name stuck, and it was this unit that became the main payment instrument in the country.
After the establishment of British influence in this region, in 1677, the first rupee was issued, which was minted by the East India Company. In general, for many years (and even centuries) on the territory of present-day India, there were several options for such means of payment at once, each of which had its own, unique value. Starting from 1835 and ending in 1893, a special silver standard for unified rupees operated in this region. It was legislated that any person who possesses silver can come to the mint and exchange it for the corresponding amount of rupees, which, again, were minted from silver.
Gradually, as the situation in the world worsened due to World War I, World War II and subsequent crises, the monetary unit, which initially had a rather large value, depreciated more and more. Now the currency of India is quite cheap, for one dollar you can buy about 60 rupees. And this despite the fact that back in 1947 the ratio was 1 to 3.3, that is, for three whole and three tenths of a rupee it was possible to buy one US dollar.
Just as the official currency of India is called, banknotes issued by this country are also called. Paper money is printed regularly, but the old series are not withdrawn and have the same circulation as modern banknotes. That is why papers that are completely different in appearance and their anti-counterfeit protection indicators can have the same purchasing power. Many denominations of banknotes are issued, ranging from 1 rupee to a thousand. Each such payment unit looks quite colorful and bright, and the main colors used in printing banknotes are ocher or olive.
For most of the period that the Indian currency survived, many variants of various coins circulated in the country, but the most common are the silver rupee, gold mukhr and copper pice. Gold coins were not accepted as a means of payment, but they were actively used for accumulation. In accordance with the law, there was exactly the same amount of gold in one mukhra as in one rupee of silver. In turn, one rupee included 16 double paise, 64 regular paise or 192 "half". As already mentioned, all pice were made of copper. It is because of this diversity, and also given the fact that double paisas were called annas, and half paisa was called payem, that the question of what the Indian currency is called became natural. It should be noted that at the moment there are coins in circulation in denominations from 10 paise to five rupees.
The national currency of India was a rather peculiar means of payment, especially at first, until 1957, when the decimal system, standard for other countries, was finally adopted. So, for example, back in 1916, one rupee was worth sixteen English pence, and itself was divided on the same basis into 16 annas. Each anna, in turn, was divided into four paise, and each pais into three payas. In general, for modern man not a very convenient and understandable system, which, nevertheless, for almost half a millennium was the main one in this region. Another rather expected, but no less interesting fact: absolutely all banknotes of India depict a portrait of the greatest citizen of this country during its existence - Mahatma Gandhi.
Despite all the attempts of the government, every year the currency of India is getting cheaper and cheaper against the dollar. In principle, the same can be said about any other means of payment, since world wars, and then financial crises, one way or another, but had a significant impact on all countries without exception. However, in recent years the situation has begun to improve, at least a little. For example, if in 2013 one US dollar could buy 68 rupees, then as of 2015 it was already about sixty. Considering that the payment instrument has been steadily losing its price before, holding such positions is already a huge achievement in itself, which should not be underestimated.
India's national currency, the Indian rupee, is used as the monetary unit. 1 rupee consists of 100 tokens, here called pice. In circulation you can find paper banknotes denominations of 1, 5, 10, 20, 50, 100, 500 and 1000 Indian rupees (international bank code of the Indian currency - INR). It should be borne in mind that some banknotes have the same denomination, but differ in their design. In particular, rupees of the same denomination may differ in color and have different forms of protective elements.
As in most other tourist countries, India is very supportive of the American currency. US dollars change almost everywhere, moreover, throughout the country. Keep in mind: Indian banks do not cash out accounts (including card accounts) in dollars, euros and other foreign exchange. When withdrawing from an ATM or receiving money from a bank branch dollar card, you get the same rupees in your hands.
Official exchange rate for autumn 2015 (September) was 65.77 Indian rupees per 1 US dollar. In turn, 1 rupee was equal to 0.02 dollars (that is, 100 INR could buy 2 USD). The information is given according to the data of the Central Bank of Russia.
“You are afraid of currency scammers, which, alas, are many in India. Use the services of banks when exchanging. Perhaps the exchange rate there will be less profitable, but the security of the exchange in this case is 100% guaranteed.”
In principle, in most Indian cities, both US dollars and euro money can be freely exchanged for rupees. At the same time, India can be classified as one of those countries where it is still more profitable to carry USD rather than euro. You can exchange North American currency both in exchange offices, which are very numerous here, and in almost any hotel (at the same time, you need to take into account the fact that in street "exchangers" rates are usually higher than hotel rates). In addition, private jewelry stores exchange dollars for rupees at a favorable rate. At the same time, you should not be afraid that such an operation will be illegal - currency exchange by the owners jewelry stores is legal in India.
Traveling to India with the Russian state currency in hand is almost pointless. But you can pay with a ruble card or withdraw money from it at an Indian ATM. True, you need to remember that in any case you will receive cash in rupees, and commissions for such conversions are quite high, so you need to think carefully about the expediency of such an operation. When using a ruble card, rubles are automatically converted into dollars, and already dollars are converted into rupees.
What's interesting is that official rates the Indian rupee and the ruble are almost equal. So, in particular, in mid-September 2015, the Central Bank of the Russian Federation set the exchange rate of 99.81 INR for 100 RUB. That is, we can say that theoretically the rupee and the ruble are quoted almost 1 to 1.
How to find out at what real rate you can change dollars or euros for rupees in India? There are many resources on the net that offer exchange rates, as well as make a preliminary conversion using a virtual currency calculator. In particular, on Sravni.ru (section "Currencies") you will find actual exchange rate Indian rupee exchange today. In addition, you can always track the dynamics of fluctuations in the rupee against major world currencies using charts.
Upon arrival in India, try to refuse the offer to exchange currency at the points indicated by the taxi driver who delivered you to the hotel from the airport, the first acquaintance or administrator at the hotel. Keep in mind that you will exchange money at a rate that is extremely inconvenient for you, and the “changer” will subsequently share the proceeds with the one who brought the inexperienced tourist for the exchange.
It is best to make currency exchange in India at local bank branches, certified exchange offices or at the airport. Take pounds sterling or US dollars with you into the country. The euro is changed here reluctantly and at a more unfavorable rate than the world-class currencies familiar to the country.
On any currency converter, you can view the exchange rate of the Indian rupee against major world currencies on a specific day. For example, in April 2016, one Indian rupee was worth 0.01 US dollars. At the same time, in the reverse exchange for 1 US dollar, one could get only 66.69 rupees. For 100 Indian rupees at the exchange rate, you can buy 133.192 euros and 9946.87 Russian rubles. When exchanging currencies in the banks of the country in without fail take your passport with you. Part Money to India it is recommended to import on bank cards. It is not difficult to use cards of international payment systems in major cities of India.
At the moment banking system India is actively developing. Market, market currency transactions, money market and the capital market are the main components of the country's financial sector. AT last years The business insurance system is also actively developing. In India, both private and public banking structures, as well as financial institutions and banks of foreign origin are actively operating. Developing in the country stock market. The banks of India today are managed by the National Reserve Bank of India. It is he who determines the restrictions in the sector bank lending, defines the concept of cooperation between banks and large enterprises and corporations in the country. RBI is engaged in the formation and development of the monetary system.
The Indian rupee is the official currency in India. Its international code is 356, its abbreviation is INR. You can always track the exchange rate with a currency converter Russian ruble to the Indian rupee. The main denomination of monetary units in the country is 1, 5, 10, 20, 50, 100, 500 and 1000 rupees. One rupee is equal to one hundred pise. Banknotes were issued at different times in the 90s. There are also Indian coins in circulation in denominations of 1, 2, 5 and 10 rupees, 5, 10, 20.25 and 50 paise. The obverse of the banknotes depicts animals, natural landscapes of the country, various historical events. When exchanging currencies, try not to accept worn banknotes from the changing party - it is more difficult to make purchases with them.
All Indian coins are made of steel or aluminium. Each coin (regardless of its value) has the coat of arms of India. Banknotes have their own distinguishing mark. On the obverse of banknotes of any denomination there is an image of Mahatma Gandhi - one of the greatest Indian figures who managed to reconcile the peoples in the country without the use of force. The bills themselves differ from each other in color, as well as the image on the reverse of the bill. For example, on the largest banknote of 1000 rupees, symbols of the economy and industry of India are depicted, and on the smallest denomination of 5 rupees, a person who cultivates land at sunrise.
The Indian rupee is only convertible to a limited extent. It is for this reason that it is forbidden to take it out of the country. It is allowed to export Indian national currency only to the island of Sri Lanka, Bangladesh, Bhutan and Nepal. Do not be surprised that you will find holes on the surface of banknotes. The problem is that they are fastened in a jar with staplers. Accordingly, the absence of holes on the banknote is a sign of counterfeit money. If you break a rupee, it will not be accepted anywhere in your glued form. The banknote can be exchanged at a certified exchange office, but with a certain commission. Money in the country is considered the personification of the goddess Lakshmi - you should not treat them too casually.
Advice from Sravni.ru: We do not recommend changing the currency to rupees at the airport without extreme necessity - the exchange rates there are usually extremely unfavorable. At the same time, such exchange offices can be used to "get rid" of extra rupees at the end of the trip.
