Andar Bahar Payout Table 2026: Every Bet, Every Multiplier, Compared
Every Andar Bahar payout across Classic, Lightning, Speed, OTT, Super, 3-Card, Bollywood, Hindi Live and Diwali. Real INR, house edge, commission math.
Why the payout matters more than the “trick”
Every second Andar Bahar player asks the same thing before their first bet. “What’s the pattern?” they type into Google. And every second search result promises a “trick” that supposedly beats the game.
Here is the truth. The trick is the payout. Not the pattern.
Two identical sessions on ₹10,000 turnover can end with a ₹1,200 gap between them, and it has nothing to do with card runs or streaks. It comes down to whether you played Classic at 0.9:1 or a variant that quietly pays 0.85:1 with a side bet you did not fully understand. On Funexchange, the flat 2% commission on winning main bets already tilts the math in your favour compared to sites charging 5% commission or slipping in 0.85:1 payouts as their “standard”. If you are new to how the game actually works at the table, the rules explainer is the right first stop before you read this one.
This guide breaks down every payout you will encounter across nine live variants running on Funexchange’s 47 live tables. Real numbers, real INR examples on ₹1,000 and ₹5,000 stakes, and a consolidated table at the end for when you just want the summary and nothing else.
Classic Andar Bahar payouts
Classic is the baseline. One joker card, dealt face-up. Cards dealt alternately to Andar and Bahar until a match with the joker rank shows up. Andar wins if the match falls on the Andar side. Bahar wins if it falls on the Bahar side.
The main bet payout structure on Funexchange looks like this:
- Andar bet wins: 0.9:1 (bet ₹1,000, win ₹900)
- Bahar bet wins: 1:1 (bet ₹1,000, win ₹1,000)
Why the asymmetry? The dealer always starts dealing to Andar first when the joker is a black card, and to Bahar first when it is red. That “first card” advantage gives Andar a slightly higher long-run win rate, so operators pay it less. The math works out to a house edge of roughly 2.15% on each side. Fair by live-casino standards.
Classic also runs a handful of side bets on Funexchange tables. These vary by provider but the common ones are:
- First 3 cards match joker: 100:1
- Match within first 5 cards: 3.5:1
- Match on Andar’s 1st card: 3.9:1
- Match on Bahar’s 1st card: 3.9:1
The 100:1 side bet is a lottery. Hit rate sits under 0.6%. It exists there for the tourists and the streamers who need a big screenshot moment. The 3.5:1 within-five-cards bet carries a house edge under 3% and is the only side bet worth touching regularly if you actually enjoy volatility.
Lightning Andar Bahar payouts
Lightning is Classic with a twist Evolution added in late 2024. Before each round, one to five random cards get “struck” with multipliers between 2x and 100x. If the winning card matches one of those struck cards, your main bet payout gets multiplied by that value.
Base payout structure:
- Andar win: 0.85:1 (Lightning shaves 0.05 off standard for the multiplier drop)
- Bahar win: 0.95:1
Multiplier distribution on a standard Lightning round:
- 2x multipliers: 3 to 5 cards struck each round
- 5x multipliers: 1 to 3 cards struck
- 25x multipliers: 0 to 2 cards struck
- 100x multipliers: 0 or 1 card struck
Real example. ₹5,000 on Bahar in a Lightning round. Standard win pays ₹4,750. If the winning card happens to be struck with a 25x multiplier, that ₹4,750 becomes ₹1,18,750 credited to your balance in the same round. The trade-off is you pay 5% base cost against Bahar for the chance. Over 10,000 rounds of simulated play, Lightning RTP averages 96.8% versus Classic’s 97.85%. So Classic wins on flat math, but Lightning ties or beats it in the sessions where multipliers actually hit. If you want the session-length RTP curves and multiplier hit-frequency tables, the Lightning Andar Bahar guide has the full working.
Speed Andar Bahar payouts
Speed keeps Classic’s payout structure but strips the animation and dealer chatter. Round times drop from 45 seconds to 22 seconds. Same 0.9:1 Andar, 1:1 Bahar. Same 2.15% house edge on the main bet.
The catch is volume. In a two-hour session, Speed puts through roughly 300 rounds compared to Classic’s 150. If you are betting ₹500 flat every round, that is ₹1,50,000 in turnover instead of ₹75,000 over the same two hours. Same edge percentage, double the money exposed. Speed is not “better” or “worse” than Classic, it is just faster variance and a shorter loss-to-loss recovery window if you tilt.
Funexchange runs 12 Speed tables between the Evolution and Ezugi feeds, all at ₹50 minimum bet, all open 24 hours.
OTT Andar Bahar payouts
OTT (over the top) Andar Bahar is Pragmatic Play’s take on the format. The main change is a floating side bet menu keyed to the joker card’s value on each specific round.
Main bet payouts stay standard:
- Andar win: 0.9:1
- Bahar win: 1:1
But the side bet menu re-prices with every joker. When the joker is a face card (J, Q or K), the “match within 5 cards” side bet pays 4:1 instead of the Classic 3.5:1. When the joker is an Ace, “first card match” jumps from 3.9:1 to 4.5:1. Low cards from 2 through 7 drop side bet payouts because match probability climbs with more duplicates statistically available.
If you like dropping side bets, watch the joker card colour and value before locking your side stake. There is real edge in only touching side bets on Ace and face-card jokers. Full variant breakdown lives on the variants page.
Super Andar Bahar payouts
Super Andar Bahar (Ezugi’s 2025 release) adds bets based on the total card count in the round.
Main bet is identical to Classic. 0.9:1 Andar, 1:1 Bahar.
Card count side bets on Super:
- Match within 5 cards: 2.5:1
- Match between 6 and 15 cards: 1.7:1
- Match between 16 and 30 cards: 2.9:1
- Match between 31 and 45 cards: 8:1
- Match on 46+ cards: 25:1
These “count” side bets are the addictive part. Feels like a lottery every round. But the house edge on the 25:1 payout runs close to 8% because the actual hit rate on 46+ cards is well below what the price implies. The 6 to 15 card range is the mathematical sweet spot with an edge under 3.5%. If you play Super, that is the bet to focus your side stake on.
3-Card Andar Bahar payouts
Three joker cards instead of one. The dealer places three jokers face-up, then deals alternately until any of the three jokers get matched. Payout math changes completely because match probability rises with three targets in play.
- Andar win: 0.8:1
- Bahar win: 0.85:1
Lower main bet payouts, but the side bet menu gets wild:
- All 3 jokers match on same side (Andar or Bahar): 15:1
- First joker matched is red vs black: 1:1
- Match within first 8 cards: 2.2:1
House edge on the 3-Card main bet runs about 2.8%. Higher than Classic. But session variance is much lower because rounds end faster on average. It is a good variant for slow bankroll grinding when you want to log 200 hands without cracking a ₹5,000 float.
Bollywood Andar Bahar payouts
Bollywood Andar Bahar is Ezugi’s celebrity-themed variant with Indian hosts and film-song commentary. Payouts are identical to Classic. 0.9:1 Andar, 1:1 Bahar. Same 2.15% house edge, same side bet menu.
The “Bollywood” edge is entirely presentation. Same house math, better atmosphere for Indian players who want the game to feel less like a European casino floor. Peak traffic sits between 8 PM and 11 PM IST when the crowd on the tables doubles. If you want to actually chat in Hindi with a real dealer while playing, this is the table.
Hindi Live Andar Bahar payouts
Hindi Live is Classic rules with Hindi-speaking dealers and full Hindi audio commentary throughout the round. Ezugi and Playtech both run versions. Payouts stay on the standard Classic structure:
- Andar win: 0.9:1
- Bahar win: 1:1
No side bet innovation on Hindi Live tables. This variant is about accessibility, not maths. Tier 2 and Tier 3 city players who prefer Hindi over English get the same odds without a language tax. Funexchange runs 8 Hindi Live tables across the two providers, all at ₹50 minimum bet, all open through the night. Read the strategy guide for language-neutral bet-sizing rules before you sit down for a serious session.
Diwali and Holi seasonal payouts
Two windows each year, roughly two weeks each. October to November for Diwali, and March for Holi. Evolution and Ezugi push seasonal Andar Bahar tables with bonus wheels attached. The main bet stays at 0.9:1 Andar and 1:1 Bahar. What changes is a “festival wheel” that triggers every 15 to 20 rounds and adds an extra multiplier on top of your standard win.
Wheel payouts on the Diwali 2025 event:
- 2x bet return: 45% wheel hit rate
- 5x bet return: 30%
- 10x bet return: 20%
- 25x bet return: 4%
- 100x bet return: 1%
Wheel triggers are random, but if you are playing during the festival window, effective RTP climbs to 98.1% because the wheel prizes stack on top of standard payouts rather than replacing them. Funexchange typically layers a 10% loss rebate on top of the wheel during Diwali. That is a rare stack where variant math and promotion math both push in your favour. Worth timing longer sessions around.
Consolidated payout table
Here is every variant on Funexchange in one place, main bet payouts, house edge, and the strongest side bet worth touching.
| Variant | Andar Payout | Bahar Payout | House Edge | Best Side Bet |
|---|---|---|---|---|
| Classic | 0.9:1 | 1:1 | 2.15% | Match within 5 cards @ 3.5:1 |
| Lightning | 0.85:1 | 0.95:1 | 3.20% | Multiplier drop up to 100x |
| Speed | 0.9:1 | 1:1 | 2.15% | None (main bet only) |
| OTT | 0.9:1 | 1:1 | 2.15% | Ace joker first-card match @ 4.5:1 |
| Super | 0.9:1 | 1:1 | 2.15% | Match in 6-15 cards @ 1.7:1 |
| 3-Card | 0.8:1 | 0.85:1 | 2.80% | All 3 jokers same side @ 15:1 |
| Bollywood | 0.9:1 | 1:1 | 2.15% | Match within 5 cards @ 3.5:1 |
| Hindi Live | 0.9:1 | 1:1 | 2.15% | Match within 5 cards @ 3.5:1 |
| Diwali/Holi | 0.9:1 | 1:1 | 1.90% | Festival wheel up to 100x |
Which variant gives best RTP for players
If we treat every variant as a pure bet with no player skill component (accurate, since Andar Bahar is a pure luck game), the RTP hierarchy comes out like this:
- Diwali/Holi seasonal windows: 98.10% RTP
- Classic, Speed, OTT, Bollywood, Hindi Live: 97.85% RTP
- Super: 97.85% on main bet, 96.5% blended once you factor in side bets
- 3-Card: 97.20% RTP
- Lightning: 96.80% flat RTP, ties Classic in sessions where multipliers hit
Classic wins for consistency. Lightning is the volatility trade for players who want a chance at a 100x drop. 3-Card is the slower burn. Seasonal windows are the pure edge boost that a mathematically inclined player should be timing sessions around.
If you are picking one variant to play daily, Classic on Funexchange at ₹50 minimum bet with 2% commission is the mathematical answer. Not the flashiest, but the highest expected return over 10,000 hands.
How 2% commission versus 5% shifts your real payout on ₹1 lakh turnover
Commission is what most players miss until it is too late. When you win a Bahar bet at 1:1, the operator takes a percentage before crediting your balance. Industry standard commission is 5%. Funexchange sits at 2%. Sounds small on a single ₹1,000 win. Is not small at all when you look at a full month of play.
| Site type | Commission | ₹1L Turnover Winnings | Commission Deducted | Net to Player |
|---|---|---|---|---|
| Funexchange | 2% | ₹97,850 | ₹1,957 | ₹95,893 |
| Industry Average | 5% | ₹97,850 | ₹4,892 | ₹92,958 |
| High-Commission | 7% | ₹97,850 | ₹6,849 | ₹91,001 |
That is ₹2,935 back in your pocket on every ₹1 lakh of turnover just for playing on a lower-commission table. Over a year of casual play at ₹5,000 per week turnover, that saved commission adds up to ₹7,631 that stays with you instead of the operator. Compare listings across sites on the where to play page before you commit a bankroll to any single account.
Frequently asked questions
Which Andar Bahar variant has the highest payout?
Bahar in Classic pays 1:1 flat. Lightning can pay up to 100 times your stake if the winning card catches a 100x multiplier drop in that specific round. Peak single-round payout belongs to Lightning, but the most consistent payout across a session belongs to Classic Bahar.
Why does Andar pay less than Bahar?
Because Andar receives the first card in most rounds (specifically when the joker is a black card), which gives Andar a slightly higher long-run win probability. The operator balances that with a lower 0.9:1 payout instead of the 1:1 that Bahar gets when it wins.
Is the 100:1 first-three-cards side bet worth playing?
Mathematically no. Hit rate is under 0.6% which puts the house edge around 40% on that specific bet. It is fun as a one-shot punt for the screenshot moment. It is not a bet you should build a session or a bankroll strategy around.
Does Funexchange commission apply on side bets?
No. The 2% commission applies to the main Andar and Bahar bets only. Side bets pay the full advertised odds with no deduction on the credited winnings.
Which variant is best for beginners?
Classic on Funexchange or the Hindi Live tables if you prefer Hindi commentary. Both have the standard 0.9:1 and 1:1 payout, low ₹50 minimum bet, and no complicated side bet menus to distract you while you are still learning the base game.
When are the Diwali payout tables live?
Two-week window each year. Diwali 2026 will likely open mid-October and run into early November on Evolution feeds. Holi runs about ten days each March. Follow the Funexchange promotions page for exact dates once they are confirmed by the providers.
If you want to actually sit down at any of the nine variants covered here, the full live-dealer catalogue with all 47 tables is on funexchange.co. Pick the table that matches your risk profile, ₹50 minimum on every one of them, 20-minute withdrawals when you are done for the day.