With the winter season coming, a lot of people would be planning an overseas holiday. And a holiday entails expenses. Carrying hard currency is an ideal option, but it may not be a wise decision to carry too much. According to current rules, foreign exchange (forex) up to $10,000 in any calendar year can be obtained from authorised dealers for visits abroad for tourism. This may be used for more than one visit. However, on a single trip, one is permitted to carry foreign currency notes/coins up to $3,000 individually. Anything above that has to be through instruments such as

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