Overview
Kredere FX Monitor is a real-time currency dashboard for tracking exchange rates against INR (or any other base) with integrated macro-economic context. It combines live rate feeds, government bond yields, sovereign ratings, central bank policy rates, and World Bank structural indicators into a single sortable, customisable table.
19
Currencies
12
Return periods
10
Macro columns
5
Data sources
Base Currency
The base currency determines what all exchange rates are expressed in. All % Return columns measure how much of the base currency one unit of the quote currency buys โ a positive return means the quote appreciated against the base.
How to change
Tabs (top bar)Click any base currency tab directly above the main table. Available bases: INR USD EUR GBP JPY. The selection persists in localStorage per-browser.
EffectSwitching base reloads the rates and resets the currency selection to your saved preferences for that base. Macro data (yields, ratings, inflation, etc.) is base-agnostic and does not reload.
Currency Selection
The toggle bar beneath the base tabs controls which quote currencies appear in the table. The base currency itself is automatically excluded from the list.
Controls
Individual toggleClick any currency chip to show/hide that row. Active chips are highlighted in the accent colour.
All / NoneQuick-select buttons to add or remove all quote currencies at once.
PersistenceYour selection is saved per-base in localStorage (
fx_selected_<BASE>). Each base remembers its own set independently.Available currencies
| Code | Currency | Flag | Rate provider |
|---|---|---|---|
| USD | US Dollar | ๐บ๐ธ | FBIL / ECB blend |
| EUR | Euro | ๐ช๐บ | ECB |
| GBP | British Pound | ๐ฌ๐ง | ECB |
| JPY | Japanese Yen | ๐ฏ๐ต | ECB ยท shown per 100 |
| AUD | Australian Dollar | ๐ฆ๐บ | ECB |
| CAD | Canadian Dollar | ๐จ๐ฆ | ECB |
| CHF | Swiss Franc | ๐จ๐ญ | ECB |
| CNY | Chinese Yuan | ๐จ๐ณ | ECB |
| HKD | Hong Kong Dollar | ๐ญ๐ฐ | ECB |
| SGD | Singapore Dollar | ๐ธ๐ฌ | ECB |
| NZD | New Zealand Dollar | ๐ณ๐ฟ | ECB |
| THB | Thai Baht | ๐น๐ญ | ECB |
| AED | UAE Dirham | ๐ฆ๐ช | ECB |
| SAR | Saudi Riyal | ๐ธ๐ฆ | ECB |
| KRW | Korean Won | ๐ฐ๐ท | ECB ยท shown per 100 |
| MYR | Malaysian Ringgit | ๐ฒ๐พ | ECB |
| ZAR | South African Rand | ๐ฟ๐ฆ | ECB |
| SEK | Swedish Krona | ๐ธ๐ช | ECB |
| INR | Indian Rupee | ๐ฎ๐ณ | FBIL (base) |
Exchange Rates
Rate column
DisplayShows units of base per 1 quote currency. For JPY and KRW, the multiplier is 100 โ the column header reads "Rate (INR)" but the value is "INR per 100 JPY". Hover any rate cell for a tooltip showing both directions.
Precisionโฅ100 โ 2 dp; โฅ1 โ 4 dp; <1 โ 6 dp.
DateRates are dated โ the tooltip shows the exact rate date. Some currencies lag by one business day due to publication schedules.
Source hierarchy (INR base)
FBILPrimary source for INR cross-rates (USD/INR, EUR/INR, GBP/INR). Published by 1:30 PM IST on business days.
ECBUsed for EUR crosses and non-FBIL pairs. Published by 4 PM CET on business days.
BlendedFor pairs not directly published (e.g. THB/INR), the system derives via USD as a bridge: THB/USD ร USD/INR.
Return Periods
Each return column shows the percentage change in the rate over that period. A positive value means the quote currency strengthened (bought more base). Cells are heat-mapped: green = appreciation, red = depreciation.
| Column | Label | Lookback method |
|---|---|---|
| 1D | One Day | Previous trading day (backward-fill over weekends & holidays) |
| 3D | Three Day | 3rd most recent trading day (backward-fill) |
| 1W | One Week | 7 calendar days ago; nearest available rate forward-filled |
| 1M | One Month | 1 calendar month ago; nearest available trading day |
| 3M | Three Month | 3 calendar months ago |
| 6M | Six Month | 6 calendar months ago |
| 1Y | One Year | 365 calendar days ago |
| 2Y | Two Year | 2 years ago |
| 3Y | Three Year | 3 years ago |
| 5Y | Five Year | 5 years ago |
| CYTD | Calendar YTD | Since 31 Dec of previous year |
| FYTD | Indian FY YTD | Since 31 Mar (Indian financial year starts 1 Apr) |
Hover any return cell for a tooltip showing the exact from/to dates used and the lookback methodology note.
Macro Columns
Macro columns provide economic context alongside FX returns. All macro data is cached for 2 hours server-side. Hover any macro cell for the exact data vintage and a source link.
Market / real-time (Investing.com ยท scraped ยท Cached 2h)
| Column | Label | Description |
|---|---|---|
| 1Y Yield | Live | 1-year government bond yield (%). Sub-cell shows 1-day absolute change. Higher yields typically support currency. |
| 10Y Yield | Live | 10-year government bond yield (%). The global benchmark for risk appetite and carry. Sub-cell shows 1D change and % change. |
Scraped daily (World Government Bonds ยท Cached 2h)
| Column | Label | Description |
|---|---|---|
| S&P | Daily | S&P sovereign credit rating (e.g. AA+) with outlook (Stable / Positive / Negative). Sorted by grade rank, not alpha. |
BIS statistical series (Cached 2h)
| Column | Label | Description |
|---|---|---|
| CPI % | Monthly | Consumer Price Index, year-over-year % change of the latest monthly reading. Source: BIS WS_LONG_CPI (Long Series on Consumer Prices) with FREQ=M, UNIT_MEASURE=771 (annual % change). Data vintage (YYYY-MM) shown in sub-cell. |
| Policy % | Monthly | Central bank official policy / key rate (%). Source: BIS WS_CBPOL. Updated monthly; most recent available is shown with quarter tag. SGD and AED not available in BIS dataset. |
World Bank Open Data (annual, 1โ2 year lag ยท Cached 2h)
| Column | Indicator | Description | Colour |
|---|---|---|---|
| GDP % | NY.GDP.MKTP.KD.ZG | GDP growth, annual %. Positive = expansion, negative = contraction. | Green/Red |
| CA %GDP | BN.CAB.XOKA.GD.ZS | Current account balance as % of GDP. Persistent surplus (positive) supports currency long-term. | Green/Red |
| Unemp % | SL.UEM.TOTL.ZS | Unemployment rate as % of total labor force (ILO modelled estimate). Neutral colour โ lower is not always better for rates. | Neutral |
| Fiscal % | GC.NLD.TOTL.GD.ZS | Government net lending (+) / borrowing (โ), % of GDP. Negative = deficit. Large deficits can weaken currency credibility. | Green/Red |
| FX Res $B | FI.RES.TOTL.CD | Total official FX reserves including gold, in USD billions. Indicates central bank capacity to defend the exchange rate. | Neutral |
World Bank data carries a 1โ2 year lag; the year shown in the sub-cell is the actual data vintage. For structural comparisons this is sufficient; for tactical use, prefer the BIS / Investing.com real-time columns.
Column Selector
Click the Columns button (top-right of the filter bar) to open the column visibility panel. Changes take effect immediately and are saved in localStorage.
Macro group
Toggle chipsClick any chip to show/hide that column. Active = accent colour. Includes: 1Y Yield, 10Y Yield, S&P, CPI, Policy Rate, GDP Growth, Curr Acct, Unemploy, Fiscal Bal, FX Reserves.
All / NoneBulk-select buttons for the Macro group.
Defaults1Y Yield, 10Y Yield, S&P, and CPI are on by default. The six new economic columns are off by default (opt-in).
Returns group
Toggle chipsSame chip interface for the 12 return-period columns (1D through FYTD).
All / NoneBulk-select for Returns group.
DefaultsAll 12 return columns are on by default.
Reset
โบ ResetShown only when any column differs from defaults. Restores all columns to the factory default set.
CounterThe Columns button shows a visible/total count badge whenever the set differs from defaults.
Persistence
localStorageMacro col prefs:
fx_cols_macro. Returns col prefs: fx_cols_change. Both stored as JSON arrays of active keys.Sorting
Click any column header to sort by that column. Click again to reverse the direction. A small โฒ/โผ indicator appears on the active sort column.
Sortable columns
CurrencyAlphabetical by currency code (AโZ / ZโA).
RateNumerically by exchange rate value.
1Y / 10Y YieldNumerically. Nulls always sort last.
S&P RatingBy grade rank (AAA best โ D worst), not alphabetically.
CPI / Policy RateNumerically, nulls last.
GDP / CA / Unemp / Fiscal / FX ResNumerically, nulls last.
All return colsNumerically by % change, nulls last.
Custom order
Default stateWhen sort is "Currency โฒ" and no manual re-order has been done, rows follow the default order (drag order if set, otherwise system default).
RestoringClicking Currency after sorting by another column returns to the drag-defined custom order.
Row Reorder (Drag & Drop)
Drag any row by its โ ฟ grip handle (left side of the currency name) to reorder currencies. The custom order persists and is used as the default sort.
Behaviour
Drag targetA 2px accent-colour top border appears on the destination row as you drag over it.
Sort resetDragging automatically switches the sort back to "Currency โฒ" (custom order mode) so the drag result is immediately visible.
PersistenceOrder saved per-base in localStorage:
fx_order_<BASE>.IndependenceEach base currency maintains its own independent drag order.
Technicals Panel
Click the โถ chevron at the left of any currency row to expand an inline technical analysis panel. Click again to collapse.
Indicators shown
| Indicator | Description |
|---|---|
| RSI 14 | Relative Strength Index over 14 periods. >70 = overbought, <30 = oversold. |
| EMA 50 | 50-period Exponential Moving Average of the rate. |
| EMA 200 | 200-period Exponential Moving Average. EMA50 > EMA200 = golden cross (bullish signal). |
| Bollinger Upper | Upper band = EMA20 + 2ฯ. Rate near upper = extended. |
| Bollinger Mid | EMA 20 (Bollinger middle band). |
| Bollinger Lower | Lower band = EMA20 โ 2ฯ. Rate near lower = oversold territory. |
| Support | Recent local support level derived from price history. |
| Resistance | Recent local resistance level. |
| Signal | Composite signal: Golden Cross / Death Cross / Overbought / Oversold / Neutral. |
Notes
Data sourceTechnicals are computed server-side from historical rate data. Cached per currency.
Macro contextThe panel also displays macro data for that currency (yields, rating, inflation) in a compact card format alongside the technicals.
Export
Click the Export button (top-right of filter bar) to download data. Only the currently visible rows and columns are exported โ hidden currencies and deselected columns are excluded.
Formats
CSVComma-separated, UTF-8. Opens directly in Excel, Google Sheets, or any spreadsheet tool. Filename:
fx-monitor-<BASE>-<DATE>.csvXLSXNative Excel workbook (SheetJS). Single sheet named "FX <BASE>". Filename:
fx-monitor-<BASE>-<DATE>.xlsxColumns exported
AlwaysCode, Name, Rate (base).
MacroWhichever macro columns are currently visible (as toggled in Column Selector).
ReturnsWhichever return-period columns are currently visible.
Tooltips
Hover any cell in the table (except the currency name) to see a contextual tooltip with data details, source attribution, and methodology notes. Tooltips persist while the mouse is on them, and dismiss 200 ms after the mouse leaves.
Tooltip content by cell type
Rate cellBoth rate directions (1 BASE = X QUOTE and Y QUOTE = 1 BASE), exact rate date, and provider name with link.
1Y / 10Y YieldExact yield %, 1-day change, source link (Investing.com), cache age.
S&P RatingFull grade + outlook, source link (World Government Bonds), cache age.
CPI %Inflation value, as-of month (YYYY-MM), source link (BIS), cache age.
Policy %Rate value, as-of period (e.g. 2026-03), source link (BIS), cache frequency.
World Bank colsValue + unit, data year, World Bank indicator code (e.g. NY.GDP.MKTP.KD.ZG), lag note.
Return cols% change, exact from/to dates, methodology explanation.
Refresh & Cache
Automatic refresh
RatesAuto-refreshed every 5 minutes in the browser. The green pulse indicator and "Fetched HH:MM" timestamp in the top bar show the last fetch time.
Macro dataAuto-refreshed in the browser every 2 hours (matches server cache TTL). Macro data is non-critical; errors are silently ignored.
Manual refresh
Refresh buttonClick the โป Refresh button in the top-right to immediately re-fetch both rates and macro data, bypassing browser cache. The button spins while fetching.
Server-side cache
Macro TTLThe /api/macro route caches the scraped result in memory for 2 hours. CDN (Vercel Edge) adds another 2-hour layer via s-maxage.
Cache bypassThe GitHub Actions warm-up workflow hits /api/macro?refresh=1 every 4 hours to pre-populate the cache. This bypasses both memory and CDN cache.
Cold startOn fresh deployments, the first user request to /api/macro triggers a ~30s Browserless scrape. The warm-up cron prevents this.
Theme
ToggleClick the โ/๐ button in the top-right to switch between dark (default) and light mode.
PersistenceTheme preference stored in localStorage:
fx_theme.ScopeTheme applies globally including the Methodology and Manual pages.
Persistence (localStorage)
All user preferences are saved to browser localStorage. No account or login required.
| Key | Content | Notes |
|---|---|---|
| fx_base | Active base currency code | e.g. "INR" |
| fx_selected_<BASE> | JSON array of selected quote currencies | One key per base currency |
| fx_order_<BASE> | JSON array of currency codes in drag order | One key per base currency |
| fx_theme | "dark" or "light" | |
| fx_cols_macro | JSON array of visible macro column keys | e.g. ["oneYearYield","tenYearYield","creditRating","inflation"] |
| fx_cols_change | JSON array of visible return-period keys | e.g. ["oneDay","oneWeek","oneMonth",...] |
Clearing site data in your browser resets all preferences to factory defaults.
Data Sources
| Source | Data | Update freq. | Method |
|---|---|---|---|
| FBIL (fbil.org.in) | INR reference rates (USD, EUR, GBP, JPY, + others) | Business days ~1:30 PM IST | Direct API / web fetch |
| ECB (ecb.europa.eu) | EUR reference rates (all major pairs) | Business days ~4 PM CET | ECB XML data feed |
| Investing.com | 1Y and 10Y government bond yields + 1D change | Real-time (cached 2h) | Browserless headless scrape |
| World Government Bonds | S&P sovereign credit ratings + outlook | Updated periodically | Browserless headless scrape |
| BIS WS_LONG_CPI | CPI inflation, YoY % change (monthly readings) | Monthly | SDMX-ML XML API (free) |
| BIS WS_CBPOL | Central bank policy rates | Monthly | SDMX-ML XML API (free) |
| World Bank Open Data | GDP growth, current account, unemployment, fiscal balance, FX reserves | Annual (1โ2yr lag) | JSON API (free, no key) |
Limitations & Known Gaps
Data gaps
SGD Policy RateNot available in BIS WS_CBPOL dataset. Shows --.
AED Policy RateUAE Dirham is pegged to USD; no independent central bank rate. Shows --.
AED / SAR yieldsBond yield data not available via Investing.com scrape. Shows --.
World Bank lagGDP, current account, unemployment, fiscal balance, and FX reserves data carries a 1โ2 year lag. Not suitable for tactical trading decisions.
EUR = Germany proxyWorld Bank data uses Germany (DE) as the EUR proxy for GDP, unemployment, etc. Euro-area aggregates differ from German national data.
Rate methodology
Non-business daysRates are not published on weekends and public holidays. The system backward-fills (uses the most recent available rate).
Blended pairsNon-FBIL, non-ECB pairs (e.g. THB/INR) are derived via USD bridge and carry an additional small cross-rate error.
IntradayRates are end-of-day / reference rates, not live intraday prices. Do not use for real-time trading execution.
Macro cache
Stale on deployA new Vercel deployment creates a fresh server instance with an empty memory cache. The GitHub Actions warm-up cron fires every 4 hours to pre-populate it. Between a deploy and the next cron fire, the first user triggers a ~30s cold scrape.
Kredere FX Monitor