Money & Exchange

1. ਨੇੜੇ ATM ਕਿੱਥੇ ਹੈ?

   Nere ATM kitthe hai?

   Where is the nearest ATM?

   Usage

   Ask for the nearest ATM when you need cash

   Grammar Note

   SBI, HDFC, PNB ATMs are common in India. Several ATMs are available near the Golden Temple in Amritsar.

2. ਪੈਸੇ ਬਦਲਣ ਦੀ ਦੁਕਾਨ ਕਿੱਥੇ ਹੈ?

   Paise badlan dee dukaan kitthe hai?

   Where is the currency exchange shop?

   Usage

   Find a currency exchange to convert foreign currency to Indian rupees

   Grammar Note

   Use authorized money changers for safety. Airport kiosks and major hotels also offer exchange services.

3. ਇਸ ਦੀ ਕੀਮਤ ਕਿੰਨੀ ਹੈ?

   Is dee keemat kinnee hai?

   How much does this cost?

   Usage

   Ask the price of an item at a market or shop

   Grammar Note

   "Keemat" is feminine, so "kinnee" is used. Bargaining is common in Amritsar's markets.

4. ਥੋੜ੍ਹਾ ਸਸਤਾ ਕਰੋ

   Thorhaa sastaa karo

   Make it a bit cheaper

   Usage

   Bargain for a lower price at a market stall

   Grammar Note

   Bargaining is culturally accepted in Punjabi bazaars. Aim to negotiate 20–30% off the initial asking price.

5. ਕੀ ਤੁਸੀਂ ਕ੍ਰੈਡਿਟ ਕਾਰਡ ਲੈਂਦੇ ਹੋ?

   Ki tusseen kredit kaard lainde ho?

   Do you accept credit cards?

   Usage

   Check whether a shop or accommodation accepts credit cards

   Grammar Note

   Upscale shops and hotels in cities accept cards, but smaller markets and dhabas in Amritsar typically cash only.

6. ਮੈਂ UPI ਨਾਲ ਦੇ ਸਕਦਾ ਹਾਂ

   Main UPI naal de sakdaa haan

   I can pay with UPI

   Usage

   Indicate you can pay using UPI digital payment

   Grammar Note

   Female speakers use "de sakdee haan". UPI is one of India's most widespread digital payment methods.

7. ਕੀ ਰਸੀਦ ਮਿਲੇਗੀ?

   Ki raseed milegee?

   Can I get a receipt?

   Usage

   Request a receipt after a purchase

   Grammar Note

   "Raseed" is feminine, hence "milegee". Ask for a receipt at purchase time if you need it for expense reports.

8. ਬਾਕੀ ਪੈਸੇ ਕਿੰਨੇ ਦੇਣੇ ਹਨ?

   Baakee paise kinne dene han?

   How much change should I get?

   Usage

   Verify the change amount after paying

   Grammar Note

   Small change is often scarce in India. Also learn "khulle paise dio" (give change/small bills) when paying with large notes.

9. ਕੀ ਟੈਕਸ ਸ਼ਾਮਲ ਹੈ?

   Ki taeks shaamil hai?

   Is tax included?

   Usage

   Check if the quoted price includes tax at a restaurant or shop

   Grammar Note

   India applies GST (Goods & Services Tax). Restaurant menus may show prices with or without GST included.

10. ਇੱਕ ਡਾਲਰ ਕਿੰਨੇ ਰੁਪਏ ਹਨ?

    Ikk daalar kinne rupae han?

    How many rupees is one dollar?

    Usage

    Check the exchange rate before currency exchange or shopping

    Grammar Note

    "Rupae" is the plural of "rupee" — from Sanskrit "rupya" (silver). Check current rates on a currency app.

11. ਜਮ੍ਹਾਂ ਰਕਮ

    Jamhaan rakam

    Deposit

    Usage

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

12. ਪੈਸੇ ਵਾਪਸ

    Paise vaapas

    Refund

    Usage

    Word for getting money returned

13. ਅਗਾਊਂ ਭੁਗਤਾਨ

    Agaaoon bhugtan

    Prepayment

    Usage

    Word for money paid in advance

14. ਵਾਧੂ ਖਰਚਾ

    Vaadhu kharcha

    Extra charge

    Usage

    Word for a charge added on afterward

15. ਸੇਵਾ ਖਰਚਾ

    Seva kharcha

    Service fee

    Usage

    Word for a fee charged for a procedure or service

16. ਨਕਦ

    Nakad

    Cash

    Usage

    Point to pay in cash — small shops often accept nothing else

17. ਕਾਰਡ

    Kaard

    Card payment

    Usage

    At a till this means a payment card; elsewhere the word just means "card"

18. ਵੱਖ-ਵੱਖ ਬਿੱਲ

    Vakkh-vakkh bill

    Separate bills

    Usage

    Point to ask for the bill to be split by person

19. ਇਕੱਠਾ ਬਿੱਲ

    Ikatthaa bill

    One bill for everything

    Usage

    Point when you are paying for the whole party

20. ਬਾਕੀ ਪੈਸੇ

    Baakee paise

    Change (money back)

    Usage

    Ask for your change — small notes are often in short supply, so it is worth checking

21. ਰਸੀਦ

    Raseed

    Receipt

    Usage

    Point to ask for a receipt

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