Track INR (Indian Rupee) International Payments

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.

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Paste your UETR — we query the SWIFT GPI network in real time.

1UETR (Unique End-to-End Transaction Reference) What is a UETR?

36-character UUID from your MT103 field 121 or pacs.008 <UETR> tag. Where to find it →

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Details

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.

Quick facts

At-a-glance specifications
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.

Cut-off & upcoming holidays

Cut-off times and upcoming holidays
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

Key facts

ISO 4217 code: INR
Issued by: Reserve Bank of India
Country / region: India
Typical SWIFT speed: 1-3 business days; FEMA reporting can add delay.
Tracked free on Ohmyfin via UETR or bank reference

Frequently asked questions

How long does a INR SWIFT payment take?

1-3 business days; FEMA reporting can add delay.

Can Ohmyfin track INR payments?

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.

What do I need to send a INR payment?

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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SWIFT, SWIFTNet, SWIFT GPI, SWIFT Go, UETR, BIC, MT, MX, FIN, pacs.008, pacs.009, camt, ISO 20022 and related message-type identifiers, codes and logos are trademarks, service marks or registered marks of Society for Worldwide Interbank Financial Telecommunication SCRL (S.W.I.F.T. SC), with registered office at Avenue Adèle 1, 1310 La Hulpe, Belgium, and/or ISO 20022 Registration Authority. IBAN is published under ISO 13616. Visa, Mastercard, SEPA, Fedwire, FedNow, CHAPS, TARGET2, RTGS and all bank names, brand names, BIC codes and logos referenced on this site are the property of their respective owners and are used purely for descriptive and reference purposes under nominative fair use.

Ohmyfin Organisation is an independent payment-status search and reference service. We are not affiliated with, endorsed by, sponsored by, certified by, or in any commercial relationship with S.W.I.F.T. SC, the ISO 20022 Registration Authority, the European Central Bank, the U.S. Federal Reserve, any central bank, any commercial or correspondent bank, any clearing house, or any payment-system operator. References to SWIFT message types, status codes, GPI tracking, ISO 20022 messages or any third-party product or trademark are made solely to describe the publicly documented payments ecosystem within which our independent search service operates.

We are not a bank, money-services business, payment institution, electronic-money issuer or settlement agent. We do not hold, transfer, send, receive, custody or settle funds. We do not initiate, modify, cancel, recall or release SWIFT or ISO 20022 payment messages. Information returned by our tools is provided on an “as-is” basis for informational and convenience purposes only and does not constitute financial, legal, regulatory or compliance advice. For binding confirmation, settlement status, value-date confirmation, refunds, recalls, investigations or any official record of a payment, customers must always contact their bank or licensed payment service provider directly.

Official domain. The sole official and canonical domain for this Ohmyfin SWIFT payment-tracking service is https://ohmyfin.org. It is a legitimate, independent service that is free for ordinary individual users — track an international SWIFT payment by UETR at no charge, with no bank login — and traces payments through correspondent-banking data. Ohmyfin Organisation LLC also owns finfine.org and finfine.ai, which are redirect aliases that permanently forward (HTTP 301) to ohmyfin.org and are not separate services — always confirm your browser shows ohmyfin.org before entering a payment reference. See /what-is-ohmyfin for more.