USDT to INR with UPI
UPI USDT rate today in India: paying this way, 1 USDT costs from ₹ 102.89 for a 100 USDT order on Binance P2P, and buyers who pay with it offer up to ₹ 103.62 when you sell. Refreshed every 10 minutes.
3 buyers offer more than ₹ 103.62 from accounts with fewer than 30 completed orders or a completion rate under 95% in the last 30 days. Offers well above the market are a common way to draw sellers into scams, so the prices above leave them out.
USDT to INR calculator for UPI
You pay ₹ 10,289
| Price | Order limits (INR) and payment | Last 30 days |
|---|---|---|
| 102.89 | 5,100 to 105,307Bank Transfer (India), Digital Rupee, Google Pay and 2 more | 432 orders95.4% completed |
| 103.12 | 5,000 to 49,000PhonePe, Google Pay, UPI and 1 more | 118 orders99.2% completed |
| 103.14 | 200 to 500,000UPI, IMPS | 983 orders100.0% completed |
| 103.19 | 7,000 to 500,000UPI, IMPS, Bank Transfer (India) | 1,869 orders100.0% completed |
| 103.25 | 5,000 to 100,000UPI | 758 orders99.9% completed |
UPI ads on Binance P2P right now
| Ads taking UPI | Buying USDT (sellers) | Selling USDT (buyers) |
|---|---|---|
| Reliable ads | 36 | 14 |
| Lowest minimum order | ₹ 200 | ₹ 1,000 |
| Median minimum order | ₹ 20,000 | ₹ 6,700 |
| Median time to pay | 30 min | 15 min |
| Merchant accounts | 32 of 36 | 0 of 14 |
| Take other methods too | 35 of 36 | 10 of 14 |
Of the 36 reliable sellers' ads that take UPI right now, 19 also take Google Pay, 19 take IMPS and 19 take Bank Transfer (India).
Counted over the ads of advertisers with at least 30 orders and a 95% completion rate in the last 30 days, as of the latest prices. A minimum order is the ad's lowest order in Indian rupees; time to pay is how long the buyer has to pay once the order is placed.
USDT to INR with UPI by order size
| Order | Buy: price | You pay (INR) | Sell: price | You get (INR) |
|---|---|---|---|---|
| 50 USDT | 102.898 sellers | 5,144.50 | 103.626 buyers | 5,181 |
| 100 USDT | 102.8910 sellers | 10,289 | 103.622 buyers | 10,362 |
| 500 USDT | 102.8920 sellers | 51,445 | none; other buyers pay 103.62 or less | |
| 1,000 USDT | 102.8917 sellers | 102,890 | none; other buyers pay 103.62 or less | |
The price is per USDT, from the best reliable ad that takes an order of that size; under it, how many different reliable advertisers take it. "none" means no reliable seller among the cheapest ads (or, when you sell, no reliable buyer among the best-paying ads) takes that size right now; any price after it is what other sellers ask at least, or other buyers pay at most.
Is UPI the cheapest way to buy USDT in India?
For a 100 USDT order, paying with UPI costs ₹ 102.89 per USDT, 0.13% more than the best across all methods (₹ 102.76). Of the 43 cheapest ads that accept UPI right now, 36 come from sellers with a solid record.
| Method | Buy: 100 USDT order | Sell: 100 USDT order |
|---|---|---|
| UPI | 102.89 | 103.62 |
| IMPS | 102.89 | 103.62 |
| Bank Transfer (India) | 102.89 | none (≤ 103.62) |
| Digital Rupee | 102.76 | 103.62 |
| PhonePe | 103.12 | 103.62 |
| Google Pay | 102.89 | 103.62 |
"none": among the cheapest ads (or the best-paying ones, when you sell), none from a reliable advertiser takes that amount right now. The figure after it is a limit for the other ads: sellers there ask at least that much, buyers pay at most that much. With no figure, no reliable advertiser on Binance P2P takes that amount at the moment.
UPI USDT price chart, last 7 days
There aren't enough hours of prices from the last 7 days to draw a chart. Today's prices are at the top of this page.
UPI USDT rate, day by day for two weeks
| Day (UTC) | Buy: low | Buy: close | Sell: high | Sell: close |
|---|---|---|---|---|
| 2026-10-18 | 102.49 | 102.49 | 103.63 | 103.62 |
Paying with UPI on Binance P2P
UPI limits are standardised by the National Payments Corporation of India: person-to-person payments go up to ₹1 lakh or 20 transactions in 24 hours, and your bank's own cap can be lower. A new UPI user can send at most ₹5,000 in the first 24 hours (HDFC Bank, UPI limits). An order above your daily limit can't be paid by UPI in one go, so check the order total before you open it.
UPI, Google Pay, PhonePe and IMPS
Binance P2P lists Google Pay, PhonePe, IMPS and bank transfer as methods of their own, and one ad can take several of them at once. The pages for Google Pay, PhonePe and IMPS show how many of their reliable ads also take UPI, and the table above compares every method at the same order size.
Names must match
Binance's P2P rules say to pay only to an account whose name matches the seller's registered name on Binance, never to a third party, and not to tap "Transferred, notify seller" until the money has actually left your account (Binance P2P User Transaction Policy). Before you confirm, compare the payee name your app shows with the seller's name in the order, and pay from a UPI ID in your own name.
If something goes wrong
Financial fraud can be reported on the national toll-free helpline 1930, and online on the National Cyber Crime Reporting Portal at cybercrime.gov.in (Ministry of Home Affairs, answer in the Rajya Sabha, April 2022). On Binance, never cancel an order you have already paid: appeal from the order page instead.
The India buying guide covers the whole trade, from picking a seller to appealing an order that goes wrong.
Prices come from public Binance P2P ads and update every 10 minutes. They only count advertisers with at least 30 completed orders and a 95% completion rate in the last 30 days. US dollar rate: Rates By Exchange Rate API, updated daily. P2PTab is run independently and has no tie to Binance beyond its referral programme.