USDT & USDC to INR Fee Calculator

Most people never see the true cost of converting stablecoins to INR — it hides inside a widened spread and a stack of fees. This calculator makes it visible: enter an amount and see exactly how much INR you receive on a flat-rate off-ramp versus a typical retail route, with 1% TDS shown separately.

How the calculation works

• Gross value = amount × the market rate (USDT and USDC track the US dollar, so this follows USD/INR).
• You receive = gross value minus the platform's all-in cost.
• Flat off-ramp cost is modelled at ~0.5%; a typical retail route at ~2.0–2.5%.
• 1% TDS (Section 194S) is shown as a separate line for your records.

Why the difference matters

On a single small conversion the gap is a few rupees. At business volume it is one of your largest payment costs: a flat 0.5% all-in rate keeps roughly 1.5% of everything you settle versus a 2.0% retail route. That is the case for using a dedicated, compliant off-ramp rather than an exchange or P2P.

When you are ready, convert USDT or USDC to INR with LedgerPe Settle — FIU-approved routing, flat pricing, and payout direct to your bank.

Frequently asked questions

How much does it cost to convert USDT to INR?

The cost is the spread against the market rate plus any platform, network, and withdrawal fees. On a flat-rate off-ramp like LedgerPe Settle the all-in cost is around 0.5%, shown before you confirm, versus the 2.0%–2.5% common on retail routes. Use the calculator above to see the rupee difference on your amount.

Does this calculator include TDS?

Yes — it shows the 1% TDS (Tax Deducted at Source) that applies to crypto transfers under Section 194S as a separate line, so you can see your net position. It is an estimate for information only, not tax advice.

Is the rate shown live?

The calculator uses the market rate you see at the top; on the live tool this tracks the current USD/INR-linked stablecoin rate. Rates move continuously, so always confirm the exact quote before you transact.

Why is a flat rate cheaper than an exchange?

Exchanges price for trading and often widen the spread during volatility, then add withdrawal fees on top. A flat all-in rate replaces that stack with a single, transparent number, which lowers the effective cost — especially at volume.