Rs 90 to a dollar: What’s driving the fall and why it matters to you - explained

卢比兑美元跌破90：为何贬值、对你有何影响 

On Wednesday, the Indian rupee broke a historic barrier, falling below Rs 90 to the US dollar for the first time. Though the drop from Tuesday’s 89.94 may seem minor, the implications aren’t.

This milestone isn’t just psychological-it signals a shift in how India’s economy is perceived, managed, and felt by its citizens.

The ripple effects stretch far beyond Dalal Street or forex traders. The rupee’s weakness is now hitting the average Indian household - from their fuel bills to EMIs, tuition fees, and travel costs.

周三，印度卢比突破历史关口，首次跌破 1 美元兑 90 卢比。尽管较周二的 89.94 仅小幅下跌，但背后的影响却不容小觑。

这一里程碑不仅是心理层面的突破 —— 更标志着外界对印度经济的认知、国内经济治理方式，以及民众切身感受的转变。

其连锁反应远超股市或外汇交易员群体。如今，卢比贬值正冲击印度普通家庭：从燃油开支、月供还款，到学费、旅行费用，无一不受影响。

Micro meets macro: Imports = inflation: India imports 90% of its oil, and also depends on overseas suppliers for electronics, fertilizers, and edible oil. A weak rupee inflates these bills.

Foreign education: Students studying abroad could be shelling out Rs 5–10 lakh more annually compared to 2023, especially those paying USD tuition and living costs.

微观与宏观的关联：进口 = 通胀压力

印度90%的石油依赖进口，电子产品、化肥、食用油等也需大量从海外采购。卢比贬值直接推高了这些进口商品的成本。

海外留学：与 2023 年相比，海外留学生每年可能要多花 50-100 万卢比，尤其是那些需以美元支付学费和生活费的学生。

以下是印度时报读者的评论：

Abhishek Singha
What are you gonna achieve with the rupee value without knowing the implications? Most wheelchair keyboard activists have no clue.
It's beneficial for exports. Definitely beneficial. It's one of the basis of the economy. There's nothing sad about this. Sometimes the govt has to devalue deliberately to increase reserve, remittance, and increase export. Currency value isn't always the denominator of the status of the economy

都不懂背后的影响，纠结卢比汇率有什么用？大多数只会敲键盘的人根本一无所知。

这对出口是好事，绝对是好事！出口是经济的支柱之一，没什么好可惜的。有时候政府会故意让货币贬值，就是为了增加外汇储备、吸引侨汇、促进出口。货币汇率从来都不是衡量经济状况的唯一标准。

Vanshhdeep Bhardwaj
Bhai saheb, jago before it is too late and you are literally begging with a bowl in ur hand.

兄弟啊，醒醒吧！再不醒，迟早要真的端着碗乞讨了。

ANIL kumar
Modi hai to Mumkin hai soon it will touch 100 mark

有莫迪在，一切皆有可能！很快卢比就会跌破1美元兑100卢比的关口。

Jay Boro
Here comes 2rs wala gulam

两卢比的奴隶来了

MANIMARAN V
Either you or Mr.Modi is clever. Both can't.

要么你聪明，要么莫迪先生聪明，不可能都聪明。

Rinku Singh
But why did Modiji say Rupee is in ICU when it's value was Rs 57? Doesn't Modiji know economy as you do? We import more than export, so while it helps exports, imports become more costly. Our trade deficit is around $300 billion per year. Your argument would've been right had we exported more than imports.

可当年卢比兑美元是57的时候，莫迪先生怎么说卢比“住进了ICU”？难道莫迪先生不像你这么懂经济吗？我们进口比出口多，所以就算贬值对出口有帮助，进口成本也会飙升。我们每年的贸易逆差大概有3000亿美元。要是我们出口比进口多，你的说法才站得住脚。

Indian
The governments which devalue for a momentary benefits of exports have all failed historically. It pushes inflation beyond repair and the cost of living is unaffordable in all these countries. Don't be delusional. Anyone not earning in dollars or euro will or millions of rupees will be actually poor soon. Look at Japan, venezuela or even pakistan.

历史上，所有为了出口短期利益而让货币贬值的政府都失败了。这会让通胀失控，这些国家的生活成本都会高到让人承受不起。别痴心妄想了。只要不是赚美元或欧元的人，哪怕手里有几百万卢比，很快也会变成真的穷人。看看日本、委内瑞拉，甚至巴基斯坦就知道了。

Ishwar Rao
First have some update on economics than comment . Rupee is also allowed to depreciate to increase exports which are affected due to US tariffs .

先学点最新的经济学知识再评论吧。卢比贬值也是为了促进出口——美国的关税已经影响到我们的出口了。

Abhishek Singha
Dollar depreciation is sometimes deliberately done to increase the reserve, export & remittance. Back then there was economy running at bull cart speed with no reforms or initiation. Don't make stupid.

有时候让货币贬值是故意的，为了增加外汇储备、促进出口和吸引侨汇。以前的经济跑得跟牛车一样，没任何改革和举措。别犯傻了

Maverick
Proves that the real bhikari - you - has very very poor understanding to economics - best stay away from making comments…

这就证明了，真正的“乞丐”是你——你对经济学的理解差到极点，最好别发表评论了。

Anirban Ghosh
All the protest back in 2014 against congress government has gone in vain. Now the only difference is right now you could protest back then, now people cannot. Btw euro is 105. Mast bewokoof banaya Hindu logo ko.. hahaha

2014年反对国大党政府的所有抗议都白费了。现在唯一的区别是，那时候还能抗议，现在连抗议都不行了。对了，欧元兑卢比都到105了。把印度教徒们骗得团团转，真有意思……哈哈。

Amit M
Booming Indian economy is being counter challenged by media of the enraged West. No other doubts. Create anarchy in Bharat, by hook or crook - that's the only objective of the gandos ecosystem

蓬勃发展的印度经济正受到愤怒西方媒体的无端指责。毫无疑问，“甘地家族派系”的唯一目标就是不择手段在印度制造混乱。

City Bear
Modi knows how to tackle the mischief of the West. Lucky HINDUStan has Modi as the PM, not Pappu. Vande Matarum

莫迪知道怎么对付西方的鬼把戏。幸运的是，印度有莫迪当总理，而不是“帕普”（拉胡尔·甘地）。祖国万岁！

Mango
Simple solution, stop buying the USD. Don't send your kids to US for education 'cause anyways they will never get US citizenship, holiday in India, stop buying expensive phones like iphones, buy Indian cars and not the luxury cars. Do this for even a year and you will see the effect.
What will the kids get in US, only be treated like 2nd class citizens and have to wait for decades for a Green card. If thats what is your dream, then go ahead.

解决办法很简单：别买美元。别送孩子去美国留学，反正他们也拿不到美国国籍；在印度度假；别买苹果这种昂贵的手机；买印度产的汽车，别买豪车。哪怕这么做一年，你就能看到效果。

孩子在美国能得到什么？只会被当成二等公民，还要等几十年才能拿到绿卡。要是这就是你的梦想，那你就去吧。

Babalal Shah
Remember before 2014 elections Modi used to mock Manmohan Singh about falling rupee vis a vis global currencies particularly US dollar. Now when falling rupee is diving downwards to a record level what has feku to say. We all know the adverse implications of falling rupee. We do not know how much more would you fall Mr. Feku. At least bring back rupee to the level it exsted prior to 2014.

还记得2014年大选前，莫迪总嘲笑曼莫汉·辛格，说卢比兑全球货币（尤其是美元）不断贬值吗？现在卢比贬值到历史新低，这个“骗子”有什么话说？我们都知道卢比贬值的负面影响。真不知道你还会贬到多少，“骗子先生”。至少把卢比拉回到2014年之前的水平啊。

Jim Beam
Ache din are here. Thank you non biological PM. Mandir won't save you education will but when you have a fake degree in entire political studies then God save the nation.

“好日子”来了。谢谢这位“非亲生总理”。寺庙救不了你，教育才能——可要是你连政治学学位都是假的，那只能求神保佑这个国家了。

Common Man
It will increase the inflation in the country

这会让国内的通胀加剧。

Abhishek Singha
Nah.. It's mostly done to increase reserve & export. Reserve is stable, so there's no chance of inflation. Stupid

不会的，这么做主要是为了增加外汇储备和促进出口。现在储备很稳定，根本不会通胀。蠢货。

Rayyan Ahmed
Modi bakhts need to be flogged. India is heading towards disaster but bakhts still keep electing the chaiwala who is determined to make middle class poor. Enjoy the benefits stupid Modi bakhts.

莫迪的狂热支持者都该被鞭打。印度正走向灾难，但这些支持者还一个劲选那个“茶贩”——他就是铁了心要让中产阶级变穷。好好享受你们的“福利”吧，愚蠢的莫迪支持者们。

Vanshhdeep Bhardwaj
It means we are getting closer to 5 trillion dollars economy, GDP is going beyond 10 %, more than 2 crore jobs per year and above all triple engine ki sarkar is turning into quadruple sarkar now.
Rest all is fine.

这意味着我们离5万亿美元经济体越来越近了，GDP增长率会超过10%，每年能创造200多万个就业岗位，最重要的是，“三引擎政府”现在要变成“四引擎政府”了。
其他一切都好。

Rayyan Ahmed
Modi bakhts need to be flogged. India is heading towards disaster but bakhts still keep electing the chaiwala who is determined to make middle class poor. Enjoy the benefits stupid Modi bakhts.

莫迪的狂热支持者都该被鞭打。印度正走向灾难，但这些支持者还一个劲选那个“茶贩”——他就是铁了心要让中产阶级变穷。好好享受你们的“福利”吧，愚蠢的莫迪支持者们。

Vanshhdeep Bhardwaj
It means we are getting closer to 5 trillion dollars economy, GDP is going beyond 10 %, more than 2 crore jobs per year and above all triple engine ki sarkar is turning into quadruple sarkar now.
Rest all is fine.

这意味着我们离5万亿美元经济体越来越近了，GDP增长率会超过10%，每年能创造200多万个就业岗位，最重要的是，“三引擎政府”现在要变成“四引擎政府”了。
其他一切都好。

Ginger Guru
Behno bhaiyon, behno bhaiyon, behnedo bhaiyon

姐妹们，兄弟们，姐妹们，兄弟们，大家听我说

Robie Shoby
Our current account deficit is only increasing year by year.Rupee depreciation is a double whammy.

我们的经常账户赤字一年比一年多。卢比贬值更是雪上加霜。

Kevin Fernandes
India only exports low value goods and services that most western countries either do not need or can be sourced from other third world countries. India imports oil, Russian arms making the rupee worth the same as when you sell your old newspapers. In a year the rupee i predict to below Rs 200 to a dollar. I would urge my fellow OCI holders from the US and Canada not to transfer money because of high interest rates offered by banks. It is a trap. You will be trapped by their KYC (Know Your Customer) process designed to freeze your bank accounts. Apparently every six months they need to know the money is really yours and you have to go through the onerous bureaucratic process of providing identity documents even though you live in another country. In the meanwhile bank officials are busy stealing from customer accounts and valuables from lockers with scam after scam. Keep your money safe in the US or Canada for your retirement even if it earns low interest.

印度只出口低价值的商品和服务——大多数西方国家要么不需要，要么能从其他第三世界国家买到。印度进口石油、俄罗斯武器，这让卢比变得跟旧报纸一样不值钱。我预测一年内，卢比会跌破1美元兑200卢比。我恳请美国和加拿大的海外印度公民同胞们，别因为银行给的高利率就把钱汇回来。这是个陷阱。他们的客户身份验证（KYC）流程就是为了冻结你的银行账户设计的。显然，每六个月他们就要确认一次钱真的是你的，哪怕你住在国外，也得走繁琐的官僚流程提交身份证明文件。与此同时，银行官员们忙着一桩接一桩地诈骗，偷客户账户里的钱，偷保险箱里的贵重物品。哪怕利息低，也把钱放在美国或加拿大存着养老吧，这样才安全。

Indian
So called economist such as Modi, Amit Shah, Nirmala Seetharaman, Rajnath Singh and others have spoiled Indian economy to the core but looting country for unwanted constructions rather than development activity. Still the Bhakta's vote for this government without even understanding anything about the how it is going to impact the people. India has become poorer with proper economists

莫迪、阿米特·沙阿、尼尔马拉·西塔拉曼、拉杰纳特·辛格这些所谓的“经济学家”，把印度经济彻底搞砸了。他们不搞发展，反而通过没必要的建设项目掠夺国家财富。可那些狂热支持者还是投票给这个政府，根本不懂这会给民众带来什么影响。印度本来有合格的经济学家，现在却变得更穷了。

Jay Boro
Anti nationals paper why talking national security issues in the public?

反国家的媒体，为什么要在公开场合谈论国家安全问题？

City Bear
Many people are waiting for the Dollar to reach its century, just like cricket fans wait for their hero to get to 100 when he is in his 90s.

很多人都在等美元兑卢比突破100大关，就像板球迷等着他们的偶像在90多分的时候冲击百分一样。

Sachin Sampat
we dont need people from italy and a high command without a degree from Oxford to tell us how to run the country.

我们不需要来自意大利的人，也不需要没拿到牛津学位的高层来告诉我们该怎么治理国家。

vinay
Now the Govt and their minions will preach the benefits of a continuously falling Rupee. Just compare the media coverage to 2013, when a temporary slide in INR was front page news every day. Now a permanent depreciation of the rupee over the last few years has been totally ignored. INR is one of the worst performing emerging market currencies. Anyone who claims the falling rupee is beneficial to the common man is LYING to you, it only subsidizes exporters at the expense of others.

现在政府和他们的爪牙们要开始鼓吹卢比持续贬值的好处了。对比一下2013年的媒体报道就知道了——当时卢比只是暂时下跌，每天都是头版新闻。可现在这几年卢比一直贬值，却完全没人提。卢比是表现最差的新兴市场货币之一。任何说卢比贬值对普通人有利的人，都是在骗你——这不过是牺牲其他人的利益，补贴出口商罢了。

City Bear
HINDUStan does not care as Bharat Mata has started doing business in Rupees after dum Dollar in the Gulf Kutch.

印度才不在乎呢，因为祖国母亲已经在古吉拉特邦 Gulf Kutch 抛弃美元，开始用卢比做贸易了。

Guest Login
So what…. You reap what you sow…. It Means this is the consequences of electing selfish , uneducated persons who always play communal cards to become pm cm mp & we clap like fools.

那又怎样，种什么因得什么果，这就是选了那些自私、没文化的人的后果——他们为了当总理、首席部长、议员，总玩教派政治，而我们还像傻子一样鼓掌。

Rinku Singh
Ab ki bar 100 par. Khangress in 75 years could taken Rupee to only 58, but Modiji in just 11 years has taken Rupee from 58 to 90. This is called visionary leadership.

这次要冲到100了！国大党75年才把卢比兑美元搞到58，可莫迪先生只用了11年，就从58弄到了90。这才叫有远见的领导。

Guest Login
I think that this historic rise of dollar value will not effect moron blind bhakts of fenku ….

我觉得美元汇率这次历史性上涨，根本影响不到“骗子”那些愚蠢盲目的狂热支持者

Bhakt Slayer
Re kitna bhi gir jaaye, Modi jitna niche kabhi nahi gir paayega.

不管卢比跌得多狠，莫迪的地位都永远不会那么低

City Bear
This is no need to panic. All Bharat Mata foreign trade is going to be with the time tasted, all weather friend Russia and new friends China, Brazil, South Africa, etc. According to Jaishankar, the new South's dominance will replace the previous order. The people of Hindustan must rejoice. Hearty welcome to Mr.Putin

没必要恐慌。祖国母亲的所有对外贸易，都会和久经考验的全天候盟友俄罗斯，以及中国、巴西、南非等新朋友合作。根据苏杰生的说法，新南方国家的主导地位将取代旧秩序。印度人民必须欢欣鼓舞。热烈欢迎普京先生！

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