NRI Net Return Calculator (Currency Adjusted)

India deducts TDS at 30% by default. As a US-based NRI, you're entitled to significantly lower rates under DTAA. See exactly what you owe — and what you're overpaying.

Investment Parameters

Investment Amount: $10,000.00

Range: 1K - 100K

Duration: 3 years

Range: 1 - 10 years

INR Depreciation: 3.5%

Range: 0% - 5% per year

Apply 1% FX Loss (round trip)

• FX Start: ₹86/$

Select Investment Type

Return Rate: 7.00%

Compounding Frequency

Final Value (USD)

$12,250.43

Net Gain

$2,250.43

CAGR:

7.00%

Select Investment Type

Return Rate: 7.50%

Compounding Frequency

Final Value (USD)

$11,271.73

Net Gain

$1,271.73

CAGR:

4.07%

Returns Comparison

$12k

$9k

$6k

$3k

$0k

GIFT City US...

NRE Fixed De...

GIFT City USD Account

gives more returns by

$978.70

Investment Parameters

Investment Amount: $10,000.00

Range: 1K - 100K

Duration: 3 years

Range: 1 - 10 years

INR Depreciation: 3.5%

Range: 0% - 5% per year

Apply 1% FX Loss (round trip)

• FX Start: ₹86/$

Select Investment Type

Return Rate: 7.00%

Compounding Frequency

Final Value (USD)

$12,250.43

Net Gain

$2,250.43

CAGR:

7.00%

Select Investment Type

Return Rate: 7.50%

Compounding Frequency

Final Value (USD)

$11,271.73

Net Gain

$1,271.73

CAGR:

4.07%

Returns Comparison

$12k

$9k

$6k

$3k

$0k

GIFT City US...

NRE Fixed De...

GIFT City USD Account

gives more returns by

$978.70

Investment Parameters

Investment Amount: $10,000.00

Range: 1K - 100K

Duration: 3 years

Range: 1 - 10 years

INR Depreciation: 3.5%

Range: 0% - 5% per year

Apply 1% FX Loss (round trip)

• FX Start: ₹86/$

Select Investment Type

Return Rate: 7.00%

Compounding Frequency

Final Value (USD)

$12,250.43

Net Gain

$2,250.43

CAGR:

7.00%

Select Investment Type

Return Rate: 7.50%

Compounding Frequency

Final Value (USD)

$11,271.73

Net Gain

$1,271.73

CAGR:

4.07%

Returns Comparison

$12k

$9k

$6k

$3k

$0k

GIFT City US...

NRE Fixed De...

GIFT City USD Account

gives more returns by

$978.70

Exchange Rates

Source: https://www.rbi.org.in/scripts/referenceratearchive.aspx

Last One Year

Last 6 Months

Last 5 Years

Exchange Rates

Source:https://www.rbi.org.in/scripts/referenceratearchive.aspx

Last One Year

Last 6 Months

Last 5 Years

Why Currency Adjustment Matters for US-Based NRIs?

If you're earning dollars in the US and investing in India, your return isn't just the interest rate - it's the interest rate minus whatever the rupee loses against the dollar over that period.

Example: if you invest $10,000 in an NRE Fixed Deposit at 7.5% for 3 years, you'd earn approximately ₹9.3 lakh in returns. But if the rupee depreciates 3.5% annually over those 3 years, your $10,000 converts back to roughly $11,272 — a CAGR of just 4.07% in USD terms. A GIFT City account at 7% in USD, by contrast, gives you $12,250 with no currency conversion at all.

This calculator does that math for you. Every investment option — whether it's an NRE FD, Indian mutual fund, or GIFT City account — gets converted to a final USD value using your chosen depreciation assumption, so you can compare them on equal footing.