CNY to INR

Chinese Yuan to Indian Rupee: what you are looking at

This page tracks the price relationship between Chinese Yuan (CNY) and Indian Rupee (INR), together with what real providers charge to convert one into the other. As of October 30, 2026, 1 CNY buys 14.2675 INR, while one INR comes to 0.070089 CNY.

The figure at the top is the mid-market rate, sometimes called the interbank rate. It is calculated as the middle of the price at which large banks buy CNY and the price at which they sell it. Treat it as a neutral benchmark: no fee or margin is built in, and that is why consumers almost never receive it in full.

What ends up on the INR side is shaped by two separate costs: the gap between the provider’s rate and the mid-market rate and the visible transfer or service fee. Below the converter and chart we show how those costs are built up, put them side by side and give concrete ways to keep more of your money when you swap Chinese Yuan for Indian Rupee.

Exchange rate markup and fees on CNY/INR

The majority of services stay away from the mid-market rate as such. Instead they quote a slightly worse rate and earn on the difference. This is known as the exchange rate margin. If the margin is 2%, then for every 100 CNY you convert, about 2 CNY worth disappears before the money arrives.

Besides the hidden margin, most banks ask for a separate fee. That can be a flat charge per payment, a percentage of the amount or both at once. For transfers sent through the banking network the receiving or intermediary bank sometimes deducts a charge too, and those only show up at the end.

Take a close look at services that advertise free transfers. The cost often sits in the rate instead. What really counts is how much INR the recipient ends up with for exactly the same sum, and that is the figure our table ranks on.

Practical ways to save on CNY/INR

Compare the total cost, not the fee alone. A low headline fee proves nothing because the margin can make up the difference. The fairest figure to compare is the INR amount after every cost, and that already includes both the markup and the fee.

When you pay by card abroad, you can get a choice between your own currency and the local one. The trade name for this is dynamic currency conversion. It tends to be among the most expensive ways to convert. Always opt to pay in the local currency and the conversion follows your card’s own terms.

Timing plays a role too. At weekends, with the wholesale market shut, some services add an extra buffer to the rate. If you are not in a hurry, an alert tells you when the rate hits a level you are happy with. It saves you from checking the rate every day, but there is no guarantee the rate will get there.

The payment method matters as well. A credit card may be treated as a cash advance by your card issuer, while a regular bank transfer to the provider is usually the cheapest way in. Bundling smaller transfers also cuts the impact of fixed fees.

The countries behind CNY and INR

Chinese Yuan is the currency of China. Indian Rupee is the official currency of India. Knowing this helps for anyone who earns in one of these currencies and spends in the other.

There are plenty of everyday reasons to convert CNY to INR: rent or a mortgage abroad, tuition fees, a salary paid in another currency, savings or a holiday. Not every situation needs the same solution: a single big transfer benefits most from a sharp rate, whereas regular small amounts suffer more from flat charges.

The way money is paid out also differs per country. Account formats differ: IBAN in one place, account and routing numbers in another and in certain countries payout to a mobile wallet is the norm. Ask the recipient for the exact details in advance.

Before you send: security and large amounts

Check the provider’s licence first. Look for authorisation from the FCA in the UK or the financial regulator in your own country. Regulated firms have to safeguard client funds, which protects you if something goes wrong.

Double-check the recipient details before you confirm. Mistakes are rarely fixed quickly with transfers abroad. Be suspicious if someone urges you to pay quickly or suddenly changes bank details. Verify through a channel you trust.

Big sums usually trigger extra verification. Have documents ready that show where the money came from, such as a payslip, sale agreement or bank statement. Some services offer better rates or a personal contact for larger transfers. Ask whether you can fix the rate in advance.

Choosing a route to send INR

A traditional bank sends your payment through SWIFT. Your transfer may hop between several banks before it arrives, each of which can deduct a charge. Expect anything from one to a few working days, and the exact cost is not always clear in advance.

Many money transfer apps use a different model. They keep money in accounts in both regions, which means your payment and the payout both happen domestically. That is often faster and cheaper, and you see exactly what will arrive before you confirm.

How fast a transfer really is depends on more than the provider: how you pay, the time of day, cut-off times and bank holidays in both countries. New customers sometimes wait a little longer because the provider has to verify your identity. Upload your documents early if the money has to arrive on a set date.

One year of CNY to INR

Over the past twelve months, the price of CNY in INR has changed by +14.41%. In that period the top of the range was 14.4510 INR per CNY, while the low point came in at 12.4316. Today’s rate of 14.2675 is easy to place within that band.

That range between high and low shows how much the rate can move in practice. When you convert a substantial sum, the moment you choose can make a noticeable difference to what arrives, even when the fee stays the same.

Exchange rates respond to interest rate decisions, inflation figures, trade flows and general market sentiment. We show the figures as they are and do not make predictions. If you want to act on a certain rate, it is more practical to set an alert than to guess.

5,000.00 CNY to INR, step by step

Consider a conversion of 5,000.00 CNY. Converted at the pure mid-market rate (14.2675), you can work out the upper limit of what the recipient could get. No service pays out that exact figure, since the margin and fees are taken out along the way.

Across the 8 providers in our comparison, Revolut gave the best result, with 70,981.03 INR in the end. Whatever is missing compared with the mid-market amount shows the true cost, fees and margin combined.

Keep in mind that a different amount can produce a different winner. A flat fee hurts most when the amount is small, whereas the margin in the rate becomes the bigger cost on larger transfers. Try your actual amount in the calculator above for a ranking that fits your situation.

About this comparison

Our starting point is the current mid-market rate. Each provider’s published fee and markup are applied on top, which gives the amount the recipient receives. The comparison covers 8 providers, placed side by side.

The figures refresh every half hour, with October 30, 2026 as the reference date. Always check the final quote in the provider’s app or website, and it can differ slightly from our calculation.

We are not owned by any provider. Some links on this page are affiliate links. The order is never affected by them: the only ranking criterion is the amount received.