If you earn from global clients but spend in India, you’ve probably had that “wait…why did I get less INR?” moment. It’s not just one deduction. It’s usually a trio—transfer fees, FX spread, and intermediary bank charges—quietly chipping away at your payout. This guide explains FX spread explained in simple terms, compares transfer fee vs

If you build software in India and get paid from clients overseas, you’ve met the phrase “purpose code.” It sounds bureaucratic, but it’s really just a label that tells your bank (and the RBI) why you’re receiving the money. Use the right label and your funds clear faster, your paperwork stays clean, and future audits