Currency to Use in Bhutan for Indian Tourists

If you’re planning a Bhutan tour from India, one of the most common questions is: Can I use Indian Rupees in Bhutan?

The good news is: Yes, you can. But there are a few things you should know before you go - especially when it comes to denominations, cash vs cards, and what to expect on the ground.

This guide explains exactly what currency to carry, how to spend, and where to exchange during your Bhutan trip as an Indian traveler.

Which Currency Is Used in Bhutan?

The official currency of Bhutan is the Ngultrum (BTN).

1 BTN = 1 INR (fixed rate)
The Ngultrum is pegged to the Indian Rupee and used interchangeably in many places

Can I Use Indian Rupees in Bhutan?

Yes, Indian Rupees are widely accepted across Bhutan, especially:

In Paro, Thimphu, and Phuentsholing
In hotels, restaurants, and shops
For transport, SDF, and sightseeing fees

But keep in mind:

Rs. 500 notes may not be accepted everywhere, especially in smaller towns or local shops
Rs. 100 and Rs. 200 notes are preferred and accepted more consistently
Bhutanese locals often return change in BTN, even if you pay in INR

Are ATMs Available?

Yes, but with limitations:

ATMs are available in Paro, Thimphu, and Phuentsholing
Most Indian debit cards (with international access enabled) work at major bank ATMs
Carry cash as backup - ATMs may not always work due to connectivity issues

Can I Use Credit or Debit Cards?

Cards are not widely accepted at small shops or cafes
Some hotels and high-end souvenir stores accept Visa/MasterCard (with 2-3% surcharge)
UPI is not accepted in Bhutan as of 2025

Best practice: Bring enough cash in INR 100/200 notes and use cards only for major transactions.

Can I Exchange INR for BTN?

You don't need to - but if you want local currency:

You can exchange at banks in Phuentsholing, Paro, or Thimphu
Some hotels and licensed tour operators may also help exchange small amounts
Exchange is 1:1 - no commission for INR to BTN

Paying for SDF & Tour Costs

Your SDF (Sustainable Development Fee) is paid in advance and included in your tour package
All major tour costs - hotels, transport, permits - are prepaid
You’ll need cash for meals, shopping, tips, and extras

How Much Cash Should You Carry?

For Indian travelers on a 4-7 day Bhutan trip, carrying Rs. 15,000 - 20,000 in cash per person is usually sufficient for:

Meals not included in the plan
Entry fees for additional activities
Tips, snacks, souvenirs, and local transport

Summary - Currency Tips for Indian Tourists

Indian Rupees are accepted (prefer Rs. 100/200 notes)
Ngultrum is equal in value to INR
ATMs work in major towns - bring cash as backup
Card use is limited to hotels and big shops
Exchange is easy but not usually necessary

Travel Smart. Spend Smooth.

Money matters can slow down a trip - but in Bhutan, it's simple when you know what to carry. Let us help you plan your Bhutan journey with clarity, comfort, and local knowledge at every step.