Money & Exchange

1. దగ్గరలో ATM ఉందా?

   Daggaralō ATM undā?

   Is there an ATM nearby?

   Usage

   Used when you need cash and are looking for a nearby ATM

   Grammar Note

   Cash (Indian Rupee) is essential in many places. ATMs of SBI, HDFC, and ICICI are generally reliable for foreign cards.

2. ఇది ఎంత?

   Idi enta?

   How much is this?

   Usage

   The most basic phrase to ask the price at markets or shops

   Grammar Note

   "Enta" is a versatile interrogative. This 2-word question is enough. Adding "rūpāyalu" (rupees) makes the question clearer.

3. కొంచెం తగ్గించగలరా?

   Koñcem taggiñcagalarā?

   Can you reduce the price a little?

   Usage

   Used at markets or souvenir shops to negotiate a lower price

   Grammar Note

   "Taggiñcu" = to reduce/lower. "-galara" makes it a polite question. Bargaining is common at local markets in Andhra Pradesh.

4. కార్డ్ చెల్లింపు అవుతుందా?

   Kārḍ cellimpu avutundā?

   Is card payment accepted?

   Usage

   Used to check if credit or debit card payment is accepted at shops or restaurants

   Grammar Note

   "Avutundi" means "it happens/works". UPI adoption has reduced cash-only shops in cities, but rural areas may be cash only.

5. రసీదు ఇవ్వండి

   Rasīdu ivvanḍi

   Please give me a receipt

   Usage

   Used after a purchase to request a receipt

   Grammar Note

   "Rasīdu" is from Urdu "rasīd" (receipt). "Billu" (bill) is also used. Always keep receipts for warranty or insurance claims.

6. బిల్లు విడిగా ఇవ్వగలరా?

   Billu viḍigā ivvagalarā?

   Can you give us separate bills?

   Usage

   Used at restaurants to request separate bills for each person

   Grammar Note

   "Viḍigā" = "separately" (adverb with "-gā" suffix). Alternatively: "split biḷḷu" is also understood in urban restaurants.

7. డాలర్లు రూపాయలకు మార్చగలరా?

   Ḍālarlu rūpāyalaku mārcagalarā?

   Can you exchange dollars to rupees?

   Usage

   Used at banks or money exchange offices to exchange foreign currency to Indian rupees

   Grammar Note

   "Mārcu" means to exchange/change. Exchange at authorized banks or exchange offices. Airport rates are typically less favourable.

8. చిల్లర ఉందా?

   Cillara undā?

   Do you have change?

   Usage

   Used when paying to check if the vendor has change for a large note

   Grammar Note

   In India, vendors often lack change for large notes (₹500, ₹2000). Carry smaller denominations and coins when travelling.

9. సర్వీస్ చార్జ్ కలిపారా?

   Sarvīs cārj kalipārā?

   Is the service charge included?

   Usage

   Used at restaurants or hotels to check if the service charge is included in the bill

   Grammar Note

   Service charges in India are legally optional but often auto-added. Consumers have the right to refuse. GST is mandatory.

10. టిప్ ఇవ్వాలా?

    Ṭip ivvālā?

    Should I give a tip?

    Usage

    Used to ask about tipping customs in Telugu-speaking regions

    Grammar Note

    "-ālā" suffix asks about obligation. Tipping is not mandatory in India, but 10% is customary at upscale restaurants in Hyderabad.

11. డిపాజిట్

    ḍipājiṭ

    Deposit

    Usage

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

12. వాపసు

    Vaapasu

    Refund

    Usage

    Word for getting money returned

13. ముందస్తు చెల్లింపు

    Mundastu chellimpu

    Prepayment

    Usage

    Word for money paid in advance

14. అదనపు ఛార్జీ

    Adanapu charjee

    Extra charge

    Usage

    Word for a charge added on afterward

15. సర్వీస్ చార్జ్

    sarvīs cārj

    Service charge

    Usage

    Word for a charge added for service

16. నగదు

    nagadu

    Cash

    Usage

    Shows you will pay in cash; stalls and auto-rickshaws are often cash-only

17. కార్డ్

    kārḍ

    Card

    Usage

    Shows you want to pay by card; small shops will often push you towards a UPI QR code instead

18. చిల్లర

    cillara

    Change (small notes/coins)

    Usage

    Covers both change and small notes; show it first when all you have is a large note

19. అన్నీ కలిపి

    annī kalipi

    All together (one bill)

    Usage

    Shows that you want everything on a single bill

20. విడివిడిగా

    viḍiviḍigā

    Separately (split the bill)

    Usage

    Asks for separate bills; Telugu has no single word for "going Dutch", so this adverb does the work

21. చాలా ఎక్కువ

    cālā ekkuva

    That's too much

    Usage

    Says the amount being asked is too high; literally "far too much", aimed at the sum demanded rather than at the goods

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