Indian Rummy Rules

Indian Rummy Rules

Rummy is one of the most-loved games all over the world. It is also enjoyed at family get-togethers, parties and festivals. The game has been a part of the culture and tradition in India for centuries and is one of the few card games that have witnessed continued growth in the number of players and followers over such a long period of time.

If you haven’t played Rummy ever, or if it’s been quite some time since you last played the game, and would like a refresher course on how to ace the game, this guide will help you not only understand the basic Rummy rules, but also polish your Rummy skills so that you can win big when you hit the tables next.

For starters, you must know that to win a Rummy game, you must make a valid declaration of your hand. There are two piles of cards on the table: the open deck and the closed deck. The open deck is the one where players can see the cards’ values. It is formed by placing a card face up at the beginning of the game and the cards discarded by players are piled on it. Players can’t see the faces/values of the cards in the closed deck. You can draw cards from both the open deck and the close deck.

Read on to learn the detailed Rummy rules of the most popular 13-Card Indian Rummy game.

What Is The Objective of Rummy?

The objective of the Rummy card game is to arrange the 13 cards dealt to you in valid sequences, or in sequences and sets. Rummy rules say that to win, you need to make at least 2 sequences, out of which one needs to be a pure sequence, and the rest can be any valid sequence or sets. As per Indian Rummy rules, without a pure sequence one cannot make a valid Rummy declaration.

The player who manages to arrange all the cards in their hand in the above-mentioned combinations first wins the game by discarding one of their cards to the Finish Slot. In most Rummy games, unlike the majority of other card games, Aces can be either high or low, but not both in the same game. So sequences involving Aces must take the form A-2-3 or A-K-Q but cannot be K-A-2.

Let’s have a look at basic Rummy rules.

What Are the Rules of Indian Rummy?

Number of Cards

The Indian Rummy card game is played by 2 to 6 players with 1 deck (for two players) or 2 decks (for more than 2 players) of cards. At the beginning of every game/deal, 13 cards are dealt to each player. A random card is selected as a wild Joker for the game.

Cards are dealt completely randomly. Experienced players are known to play against the odds and turn the tide in their favor, thereby proving Rummy to be a game of skill rather than a game of luck.

Number of Players

A typical 13-Card Rummy game on can be played by a minimum of 2 players and a maximum of 6 players. If there are more than 2 players in a game, 2 decks of cards are used.


A toss determines which player will play first. At the start of the game, each player is dealt a card. The player with the highest card is the winner of the toss and gets to start the game by making the first move. The 4 suits are as follows:

  1. Spades
  2. Hearts
  3. Clubs
  4. Diamonds

Dealing of Cards in Indian Rummy

A toss is made at the beginning of each game to decide which player will make the first move. Then a wild Joker is selected randomly from the closed deck and 13 cards are dealt to each player. The first card from the remaining cards is placed face up to form an open deck, while the remaining cards are placed face down to form a closed deck.

Each player has to arrange all the 13 cards in their hand in sequences, or in sequences and sets. On their turn, each player has to pick a card from either the closed deck or the open deck and discard one of their cards to the open deck. The player who arranges all their cards in valid sequences, or sequences and sets, first according to Rummy rules wins the game.

What Are the Basic Concepts and Rummy Rules in Indian Rummy ?

There are two basic concepts in Indian Rummy:

Sequence: A sequence in Indian Rummy is made up of 3 or more consecutive cards of the same suit. For example, J?-Q?-K? is a group of consecutive cards of the same suit, so it’s a sequence.
Sequences are one of the most important aspects of the Indian Rummy game. To win, a player needs to form two sequences including a pure sequence (a sequence in which no card has been replaced by a Joker) and all their cards must be arranged in sequences, or in sequences and sets. Forming sets is optional.

Set: As per Indian Rummy rules, a set is made up of 3 or 4 cards of the same rank/value but different suits. For example, 7?-7?-7? is a group of cards of the same rank but different suits, so it’s a set.

Jokers: Jokers (both wild and printed Jokers) play a special role in the game — they can replace any other card to form sequences and sets!

What’s the Objective of the Game?

The objective of the game is very simple — as mentioned above, all the cards have to be arranged in sequences, or sequences and sets. To win at Indian Rummy, players need to form at least two sequences, out of which one must be a pure sequence (without a Joker replacing any card), and all the other cards must be arranged in sequences, or sequences and sets.

How to Win at Indian Rummy?

Once you fulfill the objective of the game, you have to discard one of your cards to the Finish Slot to declare the hand. If it is a valid hand, you win. The winner gets zero points and the losing players get points equal to the total value of their unmatched cards.

Some Important Points

Rummy Table: It is the game table where the game of Rummy is played. Every Rummy table can have two to six players in each game.

Sorting of Cards: Sorting of cards is done at the beginning of a Rummy game. This is done to arrange the cards dealt in possible sets and sequences, thereby reducing the probability of mixing the cards or losing valuable cards. Once the cards are displayed on your screen, just hit the Sort button to arrange cards and start playing.

Cash Tournaments: You play cash tournaments with real money. If you want to add cash to your account to play cash tournaments, just click on “Add Cash Instantly” in the game lobby. You can join cash tournaments and win real cash prizes.

Maximum Points in a Game: As per Rummy rules, in a game of 13-Card Rummy, a player can get a maximum of 80 points irrespective of the total value of the cards in their hand.

Wrong Declaration: If a player declares their hand without completing the objective or without forming correct sequences, or sequences and sets, the player gets penalized with 80 points.

Best of Three: It is a form of Deals Rummy where players play for three rounds/deals. The player who has the highest number of chips at the end of the third deal is declared the winner.

Buy-in: It refers to the cash amount that one pays to enter a cash Rummy tournament. This is also referred to as an entry fee, which a player puts at stake. The accumulative buy-in forms the prize pool, which is won by the top-performing players of the tournament.

Closed Deck: It refers to a deck of cards put face down on the table after 13 cards have been dealt to each player. Players can draw cards (one on each turn) from the closed deck during their turns. The closed deck is reshuffled when all the cards have been drawn by players.

Dealing: It refers to the distribution of cards to each player at the start of each hand (a round of play). In online Rummy, the computer deals cards automatically and randomly.

Dealer : The player who deals cards at the start of a hand in real-world Rummy is called the dealer. In real-world games, the players themselves decide on who should be the dealer in a game or make a toss to decide that as there are no hard or fast Rummy rules about that.

Deck: It refers to a pack of cards. A regular Rummy deck has 52 cards. In 13-Card Rummy, two regular decks of cards and two printed Jokers are used if there are more than two players at a table.

Declare: When you complete the objective of a 13-Card Rummy game by following all the Rummy rules and strategies, you make the final move and finish the game by discarding a card to the Finish Slot. You then declare your hand so that your opponents can see your cards.

Losing Players with a Valid Hand: A player who declares their card combinations after one player has already declared a valid hand and has a valid hand gets 2 points. So, if you win a game against players who also have valid hands, the losing players with valid hands lose by two points each only in line with the Rummy rules of Indian Rummy.

Draw: On each turn, a player has to pick a card from the closed or open deck. This process is called drawing.

Discard: On each turn, a player has to draw a card from the closed or open deck and then put one of his/her cards on the open deck. This process is called discarding.

Drop: Rummy rules give players the option to quit or leave the game before it concludes, which is called dropping. In online Rummy, players can drop a game on their turn by clicking on the “Drop” button.

First Drop: You get 20 points if you drop out of the game on your very first turn without picking a card.

Middle Drop: If you drop out of the game at any time after your first turn, you get 40 points as a penalty.

Consecutive Misses: If you miss three consecutive turns, you get a middle drop and are automatically dropped out of the game.

Leaving the Table: As stated in Rummy rules, you will get a middle drop of 40 points if you leave the table after picking a card.

How to Calculate Points in Cash Rummy?

When playing online Rummy with cash, you win or lose a game based on the number of points you have scored. The winning amount or lost amount is calculated on the predefined value of chips, i.e. the value of each point in rupees. The winner gets the total of the amounts lost by the other players at the table.

This is how the calculation of points in cash Rummy is done:

Winnings = Sum of the points of all the opponents X Value of each point in rupees – Junglee Rummy Fee.

Here is an example. Suppose 4 players play a game of cash Rummy at a Rs. 160 table, with the chips valued at Rs. 2 each. A player wins the game and the three losing players lose by 20, 40 and 50 points, respectively. The winnings will be calculated as follows:

2 x (20+40+50) = Rs. 220.

The amount won is credited to the winner’s account immediately after deducting the applicable Junglee Rummy fee.

Winnings Calculation in Points Rummy Games on Junglee Rummy

When you are playing a cash Points Rummy game on Junglee Rummy, the amount won is based on a pre-decided value of each chip in rupees. The winner of the Points Rummy game wins the entire cash amount lost by the opponents in the game (only a small Junglee Rummy fee is deducted from that).

The calculation for Points Rummy Game is made as follows:

Cash winnings = (sum of the points of opponents) X (rupee value of each point) – Junglee Rummy Fee.

For your better understanding, here is an example:

Assume a total of 6 players are playing Points Rummy for cash at a Rs. 400 table.

Each point has a pre-decided value of Rs. 5. One player will be the winner and the remaining 5 will lose the game.

Suppose the 5 losing players lose by 45, 70, 30, 25, and 31 points. The winnings will be calculated as follows: 5x (45+ 70+ 30+25+31) = Rs. 1005. This amount, after deduction of the Junglee Rummy fee, will automatically get credited to the winner’s account as the winnings instantly.

Winnings Calculation in Pool Rummy Games on Junglee Rummy

The winnings for Pool Rummy games on Junglee Rummy are calculated as follows:

Winnings = (entry fee) X (number of players) – Junglee Rummy fee.

For your better understanding, here is an example:

Players pay a fixed entry fee for each Junglee Rummy tournament. This amount is used to form the prize pool for the Rummy tournament.

For example, 5 players join a Pool Rummy game/tournament with Rs. 70 as the entry fee. The prize pool of the game will be Rs. 350 (70x5 = 350).

The winner will win Rs. 350.

This winnings amount will be credited to the winner’s account automatically after deducting a small Junglee Rummy fee.

Winnings Calculation in Deals Rummy Games on Junglee Rummy

In Deals Rummy games on Junglee Rummy, the winner wins all the chips at the end of each deal.

Here is the method of calculating the winnings:

Winnings = sum of points of all opponents, assuming each chip is equal to one point.

For your better understanding, here is an example:

Let’s assume that there are 5 players playing at a table and the third player declares his hand. The other four players lose by 10, 20, 30, and 35 points. The winner’s chips will be calculated as follows: 10 + 20 + 30 + 35 = 95 chips.

Rummy Tips and Tricks – It’s Time to Win More

Are you losing games in Rummy? Tired of blaming your luck? Think again! Rummy is not about chances: it’s all about skills. First, you need to know all the Rummy rules and then, with practice, develop certain strategies to increase your probability of winning. Here are some free Rummy tips and tricks for you to improve your game and win more online Rummy games.

Prefer Discarding High Cards

Unlike other games, Rummy rules for high cards are different. Stacking high-value cards does not help in online Rummy, as there are less chances of your forming sequences and sets with cards of high ranks. Discard them whenever you can, keeping in mind that the cards are not needed by your opponent.

Your Move: Aces, Kings, Queens and Jacks have 10 points each as stated in the Rummy rules above. If you have a single high-value card without any near-value cards to form a sequence or set with, just discard it immediately. Don’t wait for another high-value card to arrive. This way if your opponent declares their hand, you will lose by a smaller margin.

Use More Middle Cards

Make friends with middle cards like 5 and 6. It is always easier to use middle cards to make combinations with other cards. You have better chances of forming sequences with middle cards, as the probability of having consecutive cards is more compared to high-value cards.

Your Move: If you get middle cards like 5 or 6, don’t discard them immediately; wait for a few moves. Such cards have higher chances of forming sequences with cards like 3, 4, 7 and 8. There is a higher probability of you getting suitable cards to form sequences with middle cards.

This Joker Is Serious

Rummy rules make the Joker an important card. The joke will be on you if you don’t use Jokers wisely. Jokers are trump cards and they can change the game. As they can replace any cards, make sure that you use Jokers to form the right sequences and sets.

Your Move: Use Jokers only after forming a pure sequence. Once you have formed a pure sequence, you are free to use Jokers in other sequences and sets. If you have got two pure sequences, use Jokers to make other sets or sequences. Jokers also help to minimize the penalty if you arrange them with high-value cards.

Track Your Opponents’ Moves

Observe your opponents’ picks and discards closely. Don’t discard a card close to what your opponent has picked from the open deck. Use the discard section/open deck as a vantage point to view all the cards discarded by your opponents.

Your Move: If your opponent discarded the King of Spades, you can discard the Ace or Queen of Spades or the King of another suit. There are fewer chances that your opponent will pick your card, as they have already discarded a card close to that.

Juggle Your Cards

One of the best Rummy tips and tricks is to keep rearranging your cards constantly. Form new groups of cards and rearrange your hand when a suitable card arrives on the open deck. This also works when your opponents declare; you minimize the loss by keeping the total low. To calculate points, refer to the Rummy rules above.

Your Move: If you have already made a pure sequence, don’t arrange the remaining cards to form sequences only. Rearrange them constantly so that you also have the option to form sets as well (remember that the Rummy rules state that we can form sequences, or sequences and sets). Constant rearrangement gives you alternate ways to finish the game quickly.

Drop It, Try Again

If you find that you are dealt no Jokers and have very few chances of forming a valid hand, the best Rummy tip and trick would be to drop out of the game/round. You will lose fewer points compared to an uncertain result where you could lose by a big margin. There is no harm in accepting defeat and trying to win the next Rummy game.

Your Move: When you join a high-stakes Rummy table, check your cards quickly to find out whether you have good chances of forming necessary sequences. Rummy rules give high importance to Jokers, and a hand without Jokers could be dangerous. If you are not confident, hit the “Drop” button on your first turn. It will be considered a “First Drop” as per Rummy rules and you will lose by only 20 points.

If you have any queries about Rummy rules, please Contact Us. We will provide you with more detailed game rules, as well as game strategies, to help you master the game of Indian Rummy.

Happy gaming!