The local currency in Uttarakhand is the Indian Rupee (INR). It's best to exchange currency at authorized exchange offices or banks for the most favorable rates. ATMs are available in most urban areas, but it's advisable to carry some cash in smaller denominations for use in rural areas. Credit cards are accepted at hotels, restaurants, and some shops in major cities, but it's a good idea to have some cash on hand for smaller establishments and markets. Mobile payments are becoming increasingly popular and are widely accepted in urban areas.