New Delhi, Oct. 10 -- When a Indian resident travels abroad, they generally carry a forex card to pay for expenses such as accommodation, transport, food and experiences. However, it is not necessary to spend the card's entire balance during the trip, which means travellers may return to India with money left on their forex card.

This unused balance can be converted into Indian rupees (INR) through the card issuer's refund or encashment process. The applicable process, exchange rate, charges, and refund method may may vary across forex card issuers.

The INR amount you receive depends on the foreign currency balance and the exchange rate applicable at the time of encashment. Any applicable encashment or conversion charges may be deducted...