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Indian Rupee (INR) is the currency of India, issued by the Reserve Bank of India. Track any INR cross-border SWIFT payment free with Ohmyfin — paste your UETR or bank reference to see the live status.
INR is partly restricted: cross-border INR settles via NOSTRO accounts of Indian banks under RBI rules. SWIFT MT103 is used end-to-end.
Typical processing time: 1-3 business days; FEMA reporting can add delay.
On a SWIFT MT103, the INR amount appears in field 32A together with the value date. The currency code is part of the ISO 4217 standard, so "INR" means the same thing in every bank in the world.
If your INR payment is missing or stuck, the most common reasons are correspondent-bank cut-off times, sanctions screening on the beneficiary or originator, or a missing field on the MT103 (purpose-of-payment, beneficiary address). Ohmyfin shows you exactly where the payment is in the chain.
| ISO 4217 code | INR |
|---|---|
| Full name | Indian Rupee |
| Country / region | India |
| Central bank | Reserve Bank of India |
| Typical SWIFT speed | 1-3 business days; FEMA reporting can add delay. |
| RTGS / clearing system | RTGS (RBI) |
|---|---|
| Daily cut-off (local) | 16:30 IST |
| Next major holidays | Republic Day (26 Jan) Independence Day (15 Aug) Diwali / Deepavali |
1-3 business days; FEMA reporting can add delay.
Yes — paste your UETR or MT103 reference and Ohmyfin returns the latest available SWIFT status of any INR payment, including which correspondent bank holds it.
The beneficiary IBAN or account number, the beneficiary bank BIC (SWIFT code), and the beneficiary name and address. For larger amounts, a purpose-of-payment code is usually required.
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