Karachi, fifteen years, and this is the thing I answer most often, so let me do it properly.
Chlorine vs chloramine, and why it matters. Chlorine is a gas dissolved in water and it does leave if you stand water in an open bucket for 24 hours with a bit of surface movement. Chloramine is chlorine bonded to ammonia and it does not gas off at all — you can stand it for a week and it is still there. Worse, when a conditioner breaks the bond you are left with free ammonia, which is why some conditioners specifically say "removes chloramine" and cost a bit more. The cheap ones only handle chlorine.
I asked my water board and got nowhere, which I suspect is everyone's experience. So the practical answer is: assume chloramine and use a conditioner that handles both. It costs a couple of hundred rupees more per bottle and removes the entire question.
Tanker water is a different problem and a bigger one. Chlorine is often the least of it — you are getting unknown hardness, sometimes salinity, and occasionally water that has been sitting in a tank with things growing in it. What I do:
- Never fill a tank straight from a tanker delivery. Store it 48 hours first.
- Buy a TDS meter. About Rs 1,500 and it is the single most useful tool I own. My tanker water has ranged from 380 to over 900 TDS from the same supplier. If you had done a 50% water change on the day the 900 arrived you would have wiped out the tank, and you would have blamed the fish.
- If your area is on a mix of supply and tanker, test every time.
The bit that actually kills tanks, and it is not the chlorine. People do a big water change to "fix" a problem, dechlorinate correctly, and the tank still crashes. That is temperature and pH shock, not chemistry. New water within a couple of degrees of the tank, always. And never change more than 30% at once unless something is genuinely wrong.
Order of operations: conditioner into the bucket, stir, wait a minute, then into the tank. Not into the tank first and then hoping.
One thing nobody mentions: if you have an RO unit at home for drinking water, do NOT use pure RO water for a freshwater tank without remineralising it. It has nothing in it — no hardness, no buffer — and the pH will swing wildly. I have seen someone lose an entire tank of tetras this way while being very pleased about how pure their water was.