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Money Exchange
Rate Changing
Money You get a slightly higher bank rate for travelers cheques than cash. Travelers cheques can very seldom be used as direct payment, so they usually have to be changed in banks or hotels. In many cases, only certain banks will change travelers cheques. You can buy travelers cheques in Indian rupees in India. These are more widely accepted, especially in small towns. It is a good idea to change a good amount at one time in the bigger cities. A few times, I have spent two hours changing money in a small bank. Banks usually give a much better rate than hotels, often two rupees more. Many large hotels change money 24 hours a day. Usually it is much quicker to change money at the airport than at a bank. A good place to change money is at the American Express or Thomas Cook offices, which usually only take five minutes. They are efficient and easy to deal with. In some places such as Goa, you can change money in travel agencies. Most
branches of the Bank of Baroda make cash advances in rupees against
a Visa card. As you are changing the money, suddenly the “police are coming” and you have to put away the rupees you just received before you can count them. When you turn around everyone is gone, and later when you count your money you find out only the first few bills are real and the rest are just pieces of paper. This is more common in Mumbai than anywhere else. If you are told “hurry, give us you dollars, the police are coming” immediately put your money in your pocket and walk away. NOTE
You are not allowed to bring rupees into India or take them out of India. It is best to use US dollars or pound sterling travelers cheques. It is best to use the well-known brands like Visa, Citibank, Barclays, American Express, and Thomas Cook. Both American Express and Thomas Cook have several offices in India. I’ve seen that American Express and Thomas Cook cheques are usually accepted everywhere, and I personally would only bring these two, in fact, I would not even think of bringing any other brand. American Express and Thomas Cook are known to be the most efficient in replacing your cheques in case you lose them or have them stolen. With some travelers cheques, you can only get a refund when you get home. When you purchase cheques, you should get the addresses of the refunding agents in India. You should keep your proof of purchase receipt and cheque serial numbers. Do not throw away your receipt or leave it at home. Bring it with you and keep it separate from your cheques. If you lose your cheques, the proof-of-purchase receipt will greatly speed up the process of getting replacements. You are supposed to report loss or theft of your cheques within 24 hours to the company from which you got them. American Express’s 24-hour number in Delhi is 011-687-5050. If you lose your cheques, you need a photocopy of the police report, your photo, proof-of-purchase receipt, and the cheque numbers. If you do not have the cheque numbers they will have to contact the place where you purchased them. So at least make sure you have that address. American Express refunding agents are: New Delhi, A Block, Connaught Place (332-4119); Calcutta, 21 Old Court House Street (248-4464); Mumbai, Regal Cinema Building, Chatrapati Shivaji Road, Colaba (285-1820); and Chennai, G-17, Spencer Plaza, Anna Salai (852-3638). Thomas
Cook offices are: New Delhi, Hotel Imperial, Janpath (332-7135); Calcutta,
21 Old Court House St (248-8096); Mumbai, Dr Dadabhai Naoroji Rd (204-8556);
Chennai, 112 Nungambakkam High Road (827-4941); Bangalore, 55 MG
Rd (558-6742); and Hyderabad, Nasir Arcade, 6-1-57 Saifabad (231-988). Before departing you should write down the phone number on the back of your credit card in case you lose it, as it may be difficult to find the correct number to call while you are in India. This is especially true with a Visa Card, because when I try to get the number to call for a lost card if you are in India on their Web site, they only have toll free numbers to call in various countries. Regrettably there is no number listed for India and also there is no number listed to call if you lose your card in India. I am researching at the present time what the number to call is and will update it onto this site. If you lose a MasterCard credit card you should call collect to the United States at 314 542-7111 to report the lose of the card. American
Express Card Holder Access to Cash You can draw cash by presenting a personal cheque guaranteed against your American Express Card at any of the following American Express offices: Chennai Some cities where there are ATM machines that take MasterCard and Cirrus ATM cards are: Ahmedabad, Gujarat; Amritsar, Punjab; Bangalore, Karnataka; Bhopal, Madhya Pradesh; Bhubaneswar, Orissa; Calcutta, Calcutta; Chandigarh, Punjab; Chennai, Tamil Nadu; Coimbatore, Tamil Nadu; Delhi; Ernakulam, Kerala; Faridabad; Hyderabad, Andhra Pradesh; Indore, Madhya Pradesh; Jaipur, Rajasthan; Jalandhar; Kanpur, UP; Kochi, Kerala; Kottayam, Kerala; Lucknow, UP; Ludhiana; Madgaon, Goa; Mumbai, Maharashtra; Panaji, Goa; Pune, Maharashtra; Secunderabad, Andhra Pradesh; Siliguri, West Bengal; Sriganganagar; Thiruvananthapuram, Kerala; Thrissur, Kerala; Tiruchirappalli, Tamil Nadu; Vadodara, Gujarat; Vallabvidyanagar; Vishakapatnam, Andhra Pradesh. Some
cities where there are ATM machines that take Visa, Visa Election and
Plus ATM cards are: Ahmedabad, Gujarat; Bangalore, Karnataka; Calcutta,
West Bengal; Chennai, Tamil Nadu; Coimbatore, Tamil Nadu; Delhi; Gurgaon;
Hyderabad, Andhra Pradesh; Indore, Madhya Pradesh; Jallandhar; Kanpur,
UP; Kochi, Kerala; Ludhiana; Mumbai, Maharashtra; Pune, Maharashtra;
Secunderabad, Andhra Pradesh; Thiruvananthapuram, Kerala; and Vadodara,
Gujarat. Sita Travel Offices (Where you can receive Western Union transfers)Agra, UP (363-013, 363978); Ahmedabad, Gujarat (079 409-105); Bangalore, Karnataka (558-8482, 558-5693); Bhubaneswar, Orissa (0674 404-408); Calcutta, West Bengal, 3-B Camac Street, Mansarover, 2nd floor (297-185/7); Chennai, Fagun Mansion, 26 Commander-in-Chief Rd, Tamil Nadu (044 827-8861); Delhi (611-1122); Goa (0832 221-418); Kochi, Kerala (0484 367-672); Guwahati, Assam (0361 523-806); Hyderabad, Andhra Pradesh (040 233-735); Jaipur, Rajasthan (0141 361-409); Kanpur,UP (0512 252-948); Lucknow, UP (0522 273-839); Mumbai, 8 Atlanta Bldg, 1st floor, Nariman Point (223-3488); New Delhi, F Block – 12, Connaught Place (331-1122); Pune, Maharashtra (021 627-683); Srinagar, Kashmir (0194 479-159); Secunderabad, Andhra Pradesh (040 849-727); Trichy, Tamil Nadu (0431 464-480); Vadodara, Gujarat (0265 324-538); Varanasi, UP (0542-43421); Vellore(0416 25231). WARNING!
Don’t let your credit card out of your sight, as duplicate
forms can be made and billed to you for fictitious purchases. This is
not unusual in India. If you want to get an extension on your visa, you have to show enough encashment certificates to prove that you legally changed enough money to have supported yourself in India. If you stay in India longer than 120 days, you need an income tax clearance. You have to show encashment certificates to get this. If you want to purchase a railway ticket using the tourist quota with rupees, you may have to present an encashment certificate. If you use excess baggage or export something from India, you have to show an encashment certificate at least for the amount of the shipping and maybe the cost of the goods. If
you take things out of India in your check-in luggage, you do not need
an encashment certificate. If
you are constantly traveling, it will cost you about 50% more than if
you just stay in one place. For about $30 a day, you can live and travel
in India at close to an American standard. If
you stay in standard places with attached bath (like government tourist
bungalows), travel A/C class on the trains, take luxury buses or auto-rickshaws
instead of ordinary buses, and eat in a fancy place now and then, it
will cost you about US$15 to US$25 a day, or US$450 to US$750 a month.
If you travel at the highest standard, staying in the best hotels and
flying everywhere, you can easily spend more than US$150 a day. It is a good idea to deal with a foreign bank or company. Bank of America, American Express, ANZ Grindlays, Citibank, and Thomas Cook, have branches in India.If you have an American Express credit card, wiring money is very efficient. The person wiring the money has to go to any American Express office, give them the money, and tell them which branch in India to wire it to, and who will receive it. Within 24 hours the money can be picked up. The person wiring the money can also just call American Express and use their credit card to pay them. They charge about 8% to transfer money to India. Their number in the US is (800) 926-9400. Western Union can transfer money to one of their over 20 offices in India in fifteen minutes for a fee of 9.5 percent of the amount sent. Their number in the US is (800) 325-6000. They are usually found connected to Sita Travel Agencies. Their address in Delhi is F-12 F-Block, Connaught Place (331-1122) and in Mumbai their address is 8 Atlanta Bldg, 1st Floor, Nariman Point (223-3285). Indian banks such as the State Bank of India and Bank of Baroda can wire money from their branches in your country to large branches in India in two working days. Money should be transferred in hard currency (your own currency or dollars) because you will usually get a better exchange rate in India than from the place from which the money is being transferred. If you are from the US, and you need to receive money in a life-or-death situation, you can have money sent to the nearest consular office. To use this service in the US you contact the Overseas Citizens Service, American Citizens Services in Washington DC at (202) 647-5225 (mornings) or at (202) 647-4000 (other times) and ask for the OCS officer. The fee is $20 and the money can be transferred in a few hours. Small
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