Ngultrum-INR Peg Calculator
Bhutan's currency (Ngultrum, Nu) is pegged 1:1 to the Indian Rupee (INR). INR is legal tender in Bhutan at par. Most travelers don't realize this — they queue at ATMs for Nu. Or they overpay with USD when INR would do. This tool tells you exactly which currency to use for any Bhutanese purchase.
When INR, when Nu, when USD
What this solves
Two currencies, same number, but very different acceptance rules. Use USD where it's welcome and you'll lose ~3% in spread. Use INR where it's accepted and you're fine. Use Nu where it's the only thing the vendor takes. This is one of those "tiny Bhutan-specific things" generic travel pages never explain.
How to read the result
Each scenario gives a recommended currency with a confidence band:
- Nu: National currency. Always accepted. Easiest.
- INR: Legal tender at par. Most shops, restaurants, taxis, small hotels. Some vendors prefer it.
- USD: Used for SDF, daily tariff, larger handicrafts. Most everyday purchases refuse USD.
- Card: Major hotels, upscale restaurants, some handicraft shops. Adds 3–5% surcharge.
Limitations
- INR ₹500 and ₹2,000 notes may be refused (₹2,000 withdrawn from circulation in 2023).
- Card acceptance is growing but uneven. Don't expect to pay by card at markets.
- Some operators insist on USD for the SDF line — even though INR is technically fine.
FAQ
Can I pay the SDF in INR?
In principle yes — Nu and INR are interchangeable. In practice, operators prefer USD or Nu for the SDF line to avoid conversion complexity. Ask in advance.
Should I bring INR cash?
If you have Indian currency already, yes — it works. Otherwise, withdrawing Nu from Bhutan ATMs is straightforward and avoids carrying two currencies.
Sources
- Royal Monetary Authority of Bhutan — peg policy
- Reserve Bank of India — INR acceptability abroad