Indian bank exchange rates for tuition transfers exceed mid-market rates

**Summary**

The discussion centers on the foreign exchange markup charged by Indian banks when sending tuition payments abroad. Users are asking about the gap between the mid-market exchange rate (the true interbank rate) and the rate their banks actually offered them for international transfers.

**Dominant framing**

The repeated question across multiple Reddit threads suggests users are investigating whether they're being overcharged on currency conversion fees. The framing is practical and consumer-focused: comparing actual bank rates against a benchmark to assess whether they received fair pricing. No users appear to be defending bank markups or arguing they're reasonable.

**Notable context**

Engagement is minimal (1-2 comments per thread, low scores), and the discussion remains entirely on Reddit with no mainstream media coverage. The repeated identical questions suggest either multiple users independently asking the same thing, or possible cross-posting. No answers or data points are visible in the top posts provided, meaning the conversation appears to be questions without resolution rather than a debate with competing viewpoints.