Showing posts with label Indian Currency. Show all posts
Showing posts with label Indian Currency. Show all posts

Taking Cash In or Out of India: What Are the Rules?

What are the restrictions on bringing cash into and taking it out of India

What Is Considered Cash?

Cash includes coins and banknotes in any currency, such as US dollars (USD), Indian rupees (INR), or other global currencies. Traveler’s cheques are also considered cash equivalents and count toward your total cash limit when entering or leaving India. Understanding what constitutes cash is crucial to comply with Indian customs regulations and avoid penalties. For more details on currency definitions, visit the Reserve Bank of India (RBI) website.

[](https://wise.com/gb/blog/taking-cash-in-or-out-of-india)

How Much INR Can I Carry from the USA to India?

Non-residents, including travelers from the USA, are prohibited from bringing Indian rupees (INR) into India. Only Indian residents returning from abroad can carry up to INR 25,000 in cash. If you’re traveling from the USA, you cannot bring INR unless you are an Indian resident, and even then, the limit is strictly INR 25,000. For further information, check the Central Board of Indirect Taxes and Customs (CBIC) guidelines.

[](https://wise.com/gb/blog/taking-cash-in-or-out-of-india)[](https://timesofindia.indiatimes.com/business/india-business/are-you-travelling-overseas-this-is-how-much-cash-you-can-legally-carry/articleshow/90904423.cms)

How Much Cash Can I Bring to India Without Declaration?

You can bring foreign currency into India without any limit, but amounts exceeding USD 5,000 in cash (notes and coins) or USD 10,000 in a combination of cash and traveler’s cheques must be declared using a Currency Declaration Form (CDF). This applies to all travelers, regardless of nationality. The CDF can be obtained at Indian airports or downloaded in advance from the CBIC website. Failure to declare could lead to confiscation or fines.

[](https://wise.com/gb/blog/taking-cash-in-or-out-of-india)[](https://www.compareremit.com/money-transfer-faqs/what-is-the-customs-limit-on-the-amount-of-cash-that-i-can-carry-from-usa-to-india-3628/)

How Much Cash Is Allowed on an International Flight to India?

There is no specific limit on the amount of foreign currency you can carry on an international flight to India. However, if the total value of cash exceeds USD 5,000 or the combined value of cash and traveler’s cheques exceeds USD 10,000, you must declare it upon arrival. Indian residents can carry up to INR 25,000, while non-residents cannot bring INR. Always verify regulations with the CBIC for the latest updates.

[](https://travelopod.com/blog/post/what-you-need-to-know-about-the-limits-on-cash-you-can-bring-to-or-from-india)[](https://www.compareremit.com/money-transfer-tips/what-is-the-indian-customs-limit-on-cash-when-traveling-from-usa-to-india/)

What Is the Customs Limit for USA to India?

When traveling from the USA to India, the customs limit for cash is as follows:

  • Indian Rupees (INR): Non-residents cannot bring INR. Indian residents can carry up to INR 25,000.
  • Foreign Currency: No limit, but cash exceeding USD 5,000 or a combination of cash and traveler’s cheques exceeding USD 10,000 must be declared.
  • Other Items: Gold or jewelry above 20g (men) or 40g (women) with a value cap of INR 50,000 (men) or INR 100,000 (women) must be declared.
  • [](https://wise.com/gb/blog/taking-cash-in-or-out-of-india)[](https://timesofindia.indiatimes.com/business/india-business/are-you-travelling-overseas-this-is-how-much-cash-you-can-legally-carry/articleshow/90904423.cms)

For detailed customs rules, refer to the CBIC or use the ATITHI app to file declarations before travel.

[](https://www.compareremit.com/money-transfer-tips/what-is-the-indian-customs-limit-on-cash-when-traveling-from-usa-to-india/)

Consequences of Non-Compliance

Failing to declare cash exceeding the specified limits can result in serious consequences, including:

  • Confiscation of the excess cash.
  • Fines up to three times the undeclared amount.
  • Potential prosecution under the Foreign Exchange Management Act (FEMA) or Customs Act 1962.

To avoid these issues, always declare cash above the limits and keep proof of the money’s source. Learn more about FEMA regulations on the RBI website.

[](https://www.goinri.com/blog/how-much-money-can-nri-take-to-india)

Alternatives to Carrying Cash

Carrying large amounts of cash can be risky. Consider these safer alternatives:

  • Forex Cards: Prepaid cards like those offered by Thomas Cook or ExTravelMoney allow you to load multiple currencies and use them at ATMs or POS terminals.
  • International Debit/Credit Cards: Widely accepted in India, these cards are secure and convenient for transactions.
  • Bank Transfers: Services like Wise offer low-cost international transfers with transparent fees.

Using digital payment methods reduces the risk of theft and simplifies compliance with customs regulations.

[](https://www.extravelmoney.com/blog/how-much-cash-can-a-traveller-take-in-and-out-of-india/)[](https://www.thomascook.in/blog/our-services-forex/how-much-cash-you-can-carry-legally-while-traveling-abroad/)

Frequently Asked Questions

Can I bring USD 25,000 in cash to India?

You can bring USD 25,000, but amounts exceeding USD 5,000 in cash or USD 10,000 including traveler’s cheques must be declared on a Currency Declaration Form at Indian customs. Non-declaration may lead to confiscation or penalties.

[](https://www.quora.com/I-need-to-carry-USD-25000-cash-from-USA-to-India-What-is-the-procedure-to-do-it)
Can non-residents carry INR into India?

No, non-residents are prohibited from bringing Indian rupees into India. Only Indian residents can carry up to INR 25,000.

[](https://wise.com/gb/blog/taking-cash-in-or-out-of-india)
What happens if I don’t declare cash exceeding the limit?

Failure to declare cash over USD 5,000 (or USD 10,000 with traveler’s cheques) can result in confiscation, fines, or prosecution under FEMA or the Customs Act.

[](https://www.goinri.com/blog/how-much-money-can-nri-take-to-india)
Can I use a forex card instead of cash?

Yes, forex cards are a secure and convenient alternative to cash. They can be loaded with multiple currencies and used at ATMs or POS terminals in India.

[](https://www.extravelmoney.com/blog/how-much-cash-can-a-traveller-take-in-and-out-of-india/)

Foreign Exchange and Importing Indian Currency Guide

When I traveled to India last year for a family wedding, I was unsure about how much Indian currency I could bring or how to exchange my dollars for rupees. Navigating these rules felt daunting, but understanding them made the trip seamless. In today’s globalized world, knowing the regulations for importing Indian currency and managing foreign exchange is essential for travelers and residents alike. This guide explores the key aspects of importing Indian currency, exchanging it, current exchange rates, and how much money Indians can carry abroad, ensuring you comply with India’s financial regulations.

Table of Contents

Import of Indian Currency

The Reserve Bank of India (RBI) regulates the import of Indian Rupees (INR). The rules are straightforward but require strict adherence to avoid legal issues.

  • For Indian Residents and Non-Residents: Current regulations allow both Indian residents and non-residents to bring up to ₹25,000 per person into India. This limit ensures travelers have immediate access to local currency upon arrival.

  • Declaration: Amounts exceeding ₹25,000 must be declared to customs authorities upon arrival. Non-compliance can lead to penalties or confiscation of excess currency.

Foreign Exchange Regulations

The import of foreign currency into India is governed by the RBI under the Foreign Exchange Management Act (FEMA), 1999. These regulations are more flexible but include specific requirements.

  • Limits on Foreign Currency: There is no limit on bringing foreign currency or travelers’ cheques into India. However, amounts exceeding USD 5,000 in cash or USD 10,000 in cash and travelers’ cheques combined must be declared using the Currency Declaration Form (CDF).

  • Utilization of Foreign Currency: Foreign currency can be used for travel expenses, deposited in Foreign Currency Non-Resident (FCNR) accounts, or converted to INR at authorized exchange centers.

How to Exchange Indian Currency

Exchanging Indian currency for foreign currency is a common need for travelers. Here’s how to do it effectively:

  • Authorized Dealers: Visit RBI-authorized banks, money changers, or exchange centers like Thomas Cook or Western Union. Always carry identification (e.g., passport, PAN card).

  • Online Platforms: Use trusted platforms like BookMyForex or ExTravelMoney for competitive rates and home delivery. Compare rates before exchanging.

  • Documents: For amounts exceeding USD 5,000, provide proof of travel or purpose (e.g., travel itinerary). Retain receipts for future reference or reconversion.

For more details, check our guide on currency exchange tips.

Current Foreign Exchange Rates

Foreign exchange rates fluctuate daily based on market conditions. As of June 6, 2025, approximate exchange rates for major currencies against INR are:

  • USD: ₹83.50
  • EUR: ₹88.20
  • GBP: ₹105.30

Check real-time rates on forex platforms or RBI’s official website.

How Much Money Can Indians Carry Abroad?

Indian residents traveling abroad are subject to FEMA regulations for carrying currency:

  • Limit: Up to USD 250,000 per financial year (April–March) for permissible transactions (e.g., travel, education, business). This includes cash, travelers’ cheques, or forex cards.

  • Cash Limit: Only USD 3,000 (or equivalent) can be carried in cash. Amounts above this must be in travelers’ cheques or forex cards.

  • Documentation: Obtain a Liberalised Remittance Scheme (LRS) form from your bank for amounts exceeding USD 3,000. Declare excess currency at customs when departing India.

Learn more about travel forex regulations.

Practical Tips for Carrying Currency into India

  1. Stay Within Limits: Carry currency within prescribed limits to avoid customs issues.

  2. Keep Documentation Handy: For amounts requiring declaration, keep exchange receipts ready for verification.

  3. Use Authorized Channels: Convert foreign currency to INR at authorized banks or exchange centers for compliance and better rates.

  4. Understand Currency Needs: Use digital payments or cards to minimize cash usage.

India’s currency and foreign exchange regulations balance economic stability with the needs of international travelers. By following RBI and customs guidelines, you can ensure a hassle-free experience. Stay updated via the RBI website or Indian Customs Department for the latest rules.

Frequently Asked Questions

Who can import currency in India?

Both Indian residents and non-residents can import up to ₹25,000 in Indian currency. Foreign currency has no limit but must be declared if exceeding USD 5,000 in cash or USD 10,000 in cash and travelers’ cheques.

How to exchange Indian currency to foreign currency?

Use authorized banks, money changers, or online platforms like BookMyForex. Carry identification and travel documents for amounts above USD 5,000.

What is the current foreign exchange rate of India?

As of June 6, 2025, approximate rates are USD: ₹83.50, EUR: ₹88.20, GBP: ₹105.30. Check real-time rates on RBI’s website or forex platforms.

How much money can Indians carry abroad?

Indians can carry up to USD 250,000 per year under the LRS, with a cash limit of USD 3,000. Excess amounts must be in travelers’ cheques or forex cards.

India Currency Regulations for Travelers: 2025 Guide

Navigating India Currency Regulations: A 2025 Traveler’s Guide

Traveling to India requires understanding its currency regulations to ensure a seamless and compliant experience. The Indian Rupee (INR) is the official currency, and strict rules govern how much foreign currency or INR you can bring in or take out. This guide covers India currency regulations for travelers, including limits, declarations, and customs duties, to help you avoid legal issues and enjoy your trip.

Table of Contents

Understanding India’s Currency and Limits

The Indian Rupee (INR) is India’s official currency, and travelers must adhere to specific regulations when bringing in or taking out currency. Here’s a breakdown:

Importing Currency

  • Foreign Currency: Travelers can bring unlimited foreign currency or travelers’ cheques into India. However, cash exceeding USD 5,000 (or equivalent) or total currency (including cheques) exceeding USD 10,000 must be declared using the Currency Declaration Form (CDF) at customs upon arrival.
  • Indian Rupee: Importing INR is restricted. Indian nationals returning from abroad can bring up to INR 25,000. Foreigners are generally not allowed to carry INR into India, except for specific exemptions for travelers from neighboring countries like Nepal or Bhutan.

Exporting Currency

  • Foreign Currency: You can take out foreign currency up to the amount declared on the CDF at entry, minus any amount exchanged in India. Retain the CDF for verification.
  • Indian Rupee: Exporting INR is generally prohibited, but Indian nationals can take out up to INR 25,000.

For more travel-related financial tips, check out our guide on traveling with infants in flight.

Encashment Certificate

When exchanging foreign currency for INR in India, authorized banks or money changers issue an encashment certificate. This document is critical if you plan to convert unspent INR back to foreign currency before leaving India. Always retain exchange receipts, as they serve as proof of legal transactions and are required by customs or banks for re-conversion. Conduct all exchanges at authorized centers to avoid legal issues or counterfeit currency.

Exchanging Currency in India

To get the best exchange rates and ensure compliance, exchange currency at authorized locations like banks, international airports, or licensed money changers. Avoid unofficial dealers, as they may provide counterfeit notes and violate Indian law. Key points:

  • Authorized Centers: Banks, hotels, and airports offer 24-hour exchange services in major cities. Standard banking hours are 10 a.m. to 2 p.m. (Monday–Friday) and 10 a.m. to 12 p.m. (Saturday).
  • Rupee Travelers’ Cheques: Some foreign banks issue INR travelers’ cheques through their agents in India, which are exempt from import/export restrictions.
  • Wire Transfers: Services like Western Union provide secure options for sending money to India. Learn more at Send Money to India.

Exchanging currency illegally is a punishable offense, so always use authorized providers to stay compliant.

Customs Duties

India imposes customs duties on specific goods, such as electronics, gold, and high-value items. Travelers should familiarize themselves with these rules to avoid unexpected taxes or confiscation. For example:

  • Electronics: Laptops and cameras for personal use are generally duty-free, but multiple high-value items may incur taxes.
  • Gold: Limits apply to gold jewelry or coins; exceeding these requires declaration and may incur duties.

Check the Central Board of Indirect Taxes and Customs (CBIC) website for the latest guidelines before traveling.

Tips for a Smooth Experience

Follow these tips to navigate India currency regulations for travelers with ease:

  • Plan Finances: Estimate expenses and carry a mix of cash, cards, and travelers’ cheques to avoid over-reliance on one method.
  • Retain Documents: Keep all exchange receipts and the CDF handy for re-conversion or customs checks.
  • Stay Updated: Regulations may change, so consult the Reserve Bank of India (RBI) or CBIC websites before your trip.
  • Use ATMs: ATMs are widely available in cities and offer competitive exchange rates for withdrawals.

For additional travel advice, explore our post on drama-free flights with children.

Understanding India currency regulations for travelers ensures a hassle-free journey, allowing you to focus on India’s vibrant culture and attractions. Plan ahead, stay compliant, and enjoy your trip with confidence. Safe travels!

Related Resources

Passengers flying into India have to declare over Rs 25,000

How much Indian Rupees is allowed in an international flight to India?
Indian Rupees for customs declaration

Flying into India involves navigating customs regulations, particularly for currency declaration. Managed by the Central Board of Indirect Taxes and Customs (CBIC), these rules require passengers to declare Indian Rupees (INR) over Rs 25,000 and foreign currency exceeding USD 5,000 (notes) or USD 10,000 (notes and travelers’ cheques combined). Proper declaration at airports like Delhi or Mumbai ensures compliance, prevents penalties, and supports India’s economic security by curbing money laundering. This guide details the thresholds, process, and exemptions to help travelers prepare for a seamless entry.

Indian Rupees Declaration Threshold

Passengers must declare any Indian Rupees exceeding Rs 25,000 upon arrival, as per CBIC guidelines. This rule applies to both residents and non-residents to monitor currency inflows and prevent illicit financial activities. Failure to declare can lead to confiscation under Section 113 of the Customs Act. For example, carrying Rs 30,000 in cash requires a declaration at the Red Channel, ensuring transparency.

Customs Act of India

Foreign Currency Rules

Foreign currency can be brought into India without limits, but amounts exceeding USD 5,000 in currency notes or USD 10,000 in combined notes and travelers’ cheques must be declared. This applies to currencies like USD, EUR, or GBP. For instance, carrying USD 6,000 in cash requires a declaration, while USD 4,000 does not. Declarations help track large transactions and align with global anti-money laundering standards.

Related: RBI FEMA Guidelines

How to Declare Currency

To declare currency, proceed to the Red Channel at the airport’s customs area. Complete the Currency Declaration Form, providing details such as:

  • Amount and type of currency (INR, USD, etc.).
  • Form of currency (cash, travelers’ cheques).
  • Personal details (passport number, flight number).

Prepare this information in advance to expedite the process. Customs officers may verify the declared amount, so keep currency organized and accessible.

Customs Declaration Form

Importance of Declaration

Declaring currency above the thresholds is critical to avoid penalties, including fines or confiscation of undeclared amounts. These rules, enforced under the Foreign Exchange Management Act (FEMA), safeguard India’s economic integrity by preventing money laundering and unauthorized fund transfers. Compliance ensures a hassle-free entry and supports national security efforts. For example, undeclared USD 15,000 could be seized, causing significant delays and legal issues.

Related: Currency Regulations in India

Exemptions and Considerations

Indian residents returning from abroad can bring INR within the Rs 25,000 limit without declaration, facilitating ease of travel. Non-residents face stricter scrutiny on foreign currency to align with international norms. Always carry proof of currency source (e.g., bank receipts) to clarify legitimacy if questioned. Special exemptions may apply for diplomatic personnel, subject to CBIC approval.

Related: Delhi Airport Customs Guide

Related: CBIC Circulars and Notifications

India Currency: Indian Rupee ₨ INR

Indian Rupee (INR): Your Guide to India’s Currency

The Indian Rupee (INR), symbolized as  or Rs, is the official currency of India, managed by the Reserve Bank of India (RBI). Known as "rupaya" in Hindi, the rupee is a cornerstone of India’s economy and a key consideration for travelers and businesses. This guide explores the history, denominations, exchange rates, and practical tips for using the Indian Rupee.

Table of Contents

Overview of the Indian Rupee

The Indian Rupee (INR) is India’s official currency, regulated by the Reserve Bank of India. Its ISO 4217 code is INR, and common symbols include Rs, ?, and ??. The rupee is subdivided into 100 paise, though paise coins are less common today due to inflation. The RBI controls the issuance and circulation of rupee notes and coins, ensuring economic stability.

History of the Indian Rupee

The Indian Rupee traces its origins to ancient India, with the term "rupaya" derived from the Sanskrit word for silver. The modern rupee was formalized during British colonial rule, with the first paper currency issued in the 19th century. After India’s independence on August 15, 1947, the country inherited a non-decimal system, where one rupee equaled 16 annas or 64 pice.

In 1957, India transitioned to a decimal system, introducing paise as the subunit. To differentiate new coins from older non-decimal ones, coins minted between 1957 and 1964 were labeled "Naya Paisa" (new paisa). Over time, the rupee evolved with new designs, security features, and denominations to combat counterfeiting and reflect India’s cultural heritage.

A significant milestone occurred in 2010 when the Indian Rupee adopted its official symbol (?), blending the Devanagari "Ra" and Roman "R" to symbolize India’s global economic presence. Today, the rupee is a widely recognized currency, with notes featuring Mahatma Gandhi and iconic Indian landmarks.

Indian Rupee Denominations

Indian Coins

Indian coins in various denominations

Indian coins are available in denominations of 1, 2, 5, 10, and 20 rupees, with paise coins (1, 2, 5, 10, 20, 25, 50) largely phased out due to low purchasing power. Modern coins feature the Lion Capital of Ashoka and are made from materials like stainless steel and aluminum-bronze. For more details, explore the history of Indian coins.

Indian Banknotes

Indian banknotes are issued in denominations of 5, 10, 20, 50, 100, 200, 500, and 2,000 rupees. Post-2016 demonetization, new series notes were introduced with enhanced security features like microprinting and UV elements. Each note showcases India’s cultural heritage, such as the Red Fort (500 INR) and Sanchi Stupa (200 INR).

Exchange Rates and Travel Tips

The Indian Rupee’s exchange rate fluctuates against major currencies like the US Dollar (USD), Euro (EUR), and British Pound (GBP). As of May 2025, approximate rates are:

  • 1 USD ˜ 83–85 INR
  • 1 EUR ˜ 90–95 INR
  • 1 GBP ˜ 105–110 INR

Travelers should check real-time rates before exchanging currency. Here are tips for using INR in India:

  1. Exchange Currency Wisely: Use authorized exchange counters at airports, banks, or RBI-approved vendors to avoid scams.
  2. Carry Small Denominations: Keep 10, 20, and 50 INR notes for small transactions like street food or rickshaw fares.
  3. Use ATMs: Withdraw INR from ATMs with international cards, but check for transaction fees.
  4. Beware of Counterfeits: Verify notes for security features like the Gandhi watermark or security thread.
  5. Plan for Rural Areas: Carry cash for remote regions where digital payments may not be accepted.

For current rates, visit the Reserve Bank of India or trusted forex platforms.

Digital Payments in India

India has embraced digital payments, driven by platforms like Unified Payments Interface (UPI), mobile apps (e.g., Google Pay, PhonePe), and card transactions. UPI enables instant bank-to-bank transfers using QR codes, widely accepted in urban areas for everything from street vendors to retail stores.

For travelers, setting up a UPI account may require an Indian bank account, but international cards (Visa, Mastercard) are accepted at most hotels, restaurants, and tourist attractions. Always carry some cash as a backup, especially in rural areas or for small vendors.

India’s digital payment infrastructure reflects its push toward a cashless economy, making transactions convenient for locals and visitors alike. Learn more about payment options for travelers in our related guide.

Whether you’re a traveler or curious about India’s economy, understanding the Indian Rupee enhances your experience. From its rich history to practical usage, the INR is more than currency—it’s a symbol of India’s heritage. Happy travels!

Indian currency regulations for travelers

Indian currency regulations for travelers
Indian currency regulations for travelers

Traveling across international borders requires understanding currency regulations to ensure compliance and a smooth journey. India, a vibrant destination for global travelers and a hub for Indian residents exploring abroad, has specific rules governing the export and import of currency. This guide details the latest Indian currency regulations, offering practical insights for travelers to navigate financial requirements confidently.

Export of Foreign Currency by Indian Residents

Indian residents traveling abroad enjoy significant flexibility under current regulations. They can carry any amount of foreign currency, provided it is purchased from an authorized foreign exchange dealer, adhering to the Reserve Bank of India (RBI) guidelines. This policy supports seamless travel by allowing residents to meet expenses abroad without financial restrictions.

The Essentials:

  • No Upper Limit: Indian residents can carry unlimited foreign currency, as long as it’s legally acquired from an authorized dealer.
  • Proof of Purchase: Retain receipts from foreign exchange transactions to verify the currency’s legal acquisition.
  • Declaration: Large amounts may require declaration at customs, depending on the destination country’s rules. Always check Indian Customs Service regulations and the destination’s requirements.

Import of Currency into India

India’s currency import regulations balance traveler convenience with financial security. Both residents and non-residents can bring unlimited foreign currency into India, but specific thresholds trigger mandatory declarations.

The Details:

  • Foreign Currency: No limit exists, but amounts exceeding USD 5,000 in cash or USD 10,000 in cash and travelers’ cheques combined require a Currency Declaration Form (CDF) upon arrival. Access the form via the Central Board of Indirect Taxes and Customs.
  • Indian Currency: Residents can import up to INR 25,000, while non-residents are generally prohibited from bringing Indian currency into India.

Compliance and Consequences

Adhering to currency regulations is critical to avoid penalties, including confiscation of undeclared amounts or legal action. These rules, enforced by the RBI and Indian Customs, aim to prevent money laundering and ensure financial transparency.

Practical Tips for Travelers

  • Documentation: Purchase currency from authorized dealers and keep receipts for verification.
  • Research: Check the currency regulations of your destination country, especially for large sums. Visit IATA Travel Centre for global travel guidelines.
  • Declaration: When in doubt, declare currency to avoid complications. The process is simple and ensures compliance.

The Bigger Picture

India’s currency regulations reflect a balance between facilitating global travel and maintaining financial integrity. These rules empower residents to explore the world while ensuring compliance with international financial standards, contributing to global economic security.

As global travel grows, understanding these regulations is essential for a seamless experience. Whether you’re an Indian resident traveling abroad or a visitor exploring India, staying informed ensures your financial journey is as enjoyable as your travels.

Frequently Asked Questions

How much foreign currency can Indian residents carry abroad?

Indian residents can carry unlimited foreign currency abroad, provided it is purchased from an authorized dealer in compliance with RBI regulations.

What is the limit for bringing foreign currency into India?

There is no limit, but amounts over USD 5,000 in cash or USD 10,000 in cash and travelers’ cheques combined must be declared using a Currency Declaration Form.

Can non-residents bring Indian currency into India?

Non-residents are generally not allowed to bring Indian currency into India, while residents can import up to INR 25,000.

What happens if I don’t declare currency exceeding the limit?

Non-compliance may lead to confiscation of the undeclared amount and potential legal action under Indian customs laws.

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