Money & Exchange

1. एटीएम कहाँ है?

   E-ti-em ka-han hai?

   Where is the ATM?

   Usage

   Used when looking for an ATM to withdraw cash

   Grammar Note

   International cards (Visa/Mastercard) work at most Indian ATMs in cities. SBI, HDFC, and ICICI ATMs are reliable. Be aware of transaction fees for foreign cards

2. यह कितने का है?

   Yah kit-ne ka hai?

   How much does this cost?

   Usage

   The most basic price inquiry when shopping at markets or stores

   Grammar Note

   "X kitne ka hai?" is the standard price inquiry. Use "ka" for masculine nouns, "ki" for feminine. Bargaining ("mol-bhav") is expected in bazaars and markets

3. क्या क्रेडिट कार्ड चलेगा?

   Kya kre-dit kaard cha-le-ga?

   Will a credit card work?

   Usage

   Used to check if credit card payment is accepted at shops or restaurants

   Grammar Note

   "Chalna" (to walk/run/work) is commonly used for "to work/be accepted" in India. Also ask "UPI hai?" — India's UPI digital payment system is widely used

4. छुट्टे हैं?

   Chut-te hain?

   Do you have change?

   Usage

   Casual expression to ask if someone has change or small denominations

   Grammar Note

   In India, vendors often lack change for large notes (₹500). "Baaki waapas do" (give me back the remainder/change) is also useful

5. रसीद देना

   Ra-sid de-na

   Give me a receipt

   Usage

   Used after making a purchase to request a receipt

   Grammar Note

   The polite form is "rasid dijiye". The English-mixed "bill chahiye" (I need a bill) is also commonly understood in India

6. पैसे बदलवाने हैं

   Pai-se ba-dal-waa-ne hain

   I need to exchange money

   Usage

   Used at currency exchange counters or banks to convert foreign currency to Indian Rupees

   Grammar Note

   "Badlawana" is the causative form of "badalna" (to change), meaning "to have changed". Use with "mujhe rupiya chahiye" (I need rupees). Also ask "aaj ka exchange rate kya hai?"

7. टिप देना ज़रूरी है?

   Tip de-na za-ru-ri hai?

   Is it necessary to give a tip?

   Usage

   Used to ask about tipping customs in India

   Grammar Note

   Tipping is not mandatory in India, but 10-15% is customary at upscale restaurants. Auto-rickshaws and small shops don't expect tips. "Baksheesh" is another word for gratuity

8. कितना डिस्काउंट मिलेगा?

   Kit-na dis-kaunt mi-le-ga?

   How much discount will I get?

   Usage

   Used when bargaining at markets or bazaars to ask about available discounts

   Grammar Note

   Also useful for bargaining: "thoda kam karo" (make it a little less) and "aakhiri daam kya hai?" (what is your final price?)

9. UPI से पेमेंट हो जाएगा?

   Yu pi ai se pe-ment ho jaa-e-ga?

   Can I pay by UPI?

   Usage

   Used to offer payment via India's UPI digital payment system (Google Pay, PhonePe, Paytm, etc.)

   Grammar Note

   UPI is India's nationwide digital payment system used by scanning a QR code. Follow up with "QR code dikhao" (show me the QR code) to complete the transaction

10. बिल अलग-अलग करना है

    Bil a-lag-a-lag kar-na hai

    I need to split the bill

    Usage

    Used at the end of a meal with friends to request splitting the bill

    Grammar Note

    Reduplication like "alag-alag" emphasizes "each separately" in Hindi. You can also say "ham sab alag-alag denge" (we will each pay separately)

11. जमा राशि

    Jama raashi

    Deposit

    Usage

    A deposit held by a hotel or rental, returned at checkout

12. पैसे वापसी

    Paise vaapsi

    Refund

    Usage

    Word for getting money returned

13. अग्रिम भुगतान

    Agrim bhugtan

    Prepayment

    Usage

    Word for money paid in advance

14. अतिरिक्त शुल्क

    Atirikt shulk

    Extra charge

    Usage

    Word for a charge added on afterward

15. सेवा शुल्क

    Seva shulk

    Service fee

    Usage

    Word for a fee charged for a procedure or service

16. नकद

    Nakad

    Cash

    Usage

    States that you will pay in cash; people also say kaish

17. कार्ड

    Kaard

    Card

    Usage

    States that you want to pay by card

18. अलग-अलग बिल

    Alag-alag bil

    Separate bills

    Usage

    Show it to have the bill split between you

19. एक साथ बिल

    Ek saath bil

    One bill together

    Usage

    Show it to have everything put on a single bill

20. बहुत महँगा

    Bahut mahanga

    Too expensive

    Usage

    Show it while bargaining to say the price is too high

21. बाकी पैसे

    Baaki paise

    Change (money back)

    Usage

    Show it to get your change back; chhutta means loose small coins, which is different

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