Batting first, England failed to see out their full 50 overs for the third time in the series and again lost both openers in quick succession.
Jonathan Trott and Kevin Pietersen were charged with a rebuilding job and moved the score to 112 before Trott was bowled through the gate by Vinay Kumar for 39.
Pietersen (41) was next to go five overs later to a magnificent diving catch by sub fielder Manoj Tiwary off the bowling of Ravi Ashwin, and England were four down for 128.
Ravi Bopara and Jonny Bairstow were not able to hang around and only Tim Bresnanâ€™s run a ball 45 helped the tourists creep over the 200 mark. Bresnan was the last man out as England posted 220 from 46.1 overs.
Englandâ€™s poor batting in the series has rarely given their bowlers a chance to compete but they came out fighting and reduced the home side to 46-3 early on.
Steven Finn, a real plus point of the tour, used the new ball well to bowl Parthiv Patel and Gautam Gambhir, while Stuart Meaker, making his debut in place of Surrey team-mate Jade Dernbach, picked up his first international victim when Craig Kieswetter acrobatically caught Ajinkya Rahane for 20.
However, Indiaâ€™s middle order has been superb throughout the series and they once again eased India home with plenty of time to spare.
Kohli ended unbeaten on 86 to continue his superb touch, while Raina bludgeoned 80 off 62 balls before swinging across the line to Finn (3-45) and was bowled.
MS Dhoni is surely the greatest finisher in world cricket and he came in to make sure there was no late rally from England. The Indian skipper finished on 15 not out as his side won comfortably once more.
The ease with which India have won each match makes a whitewash a distinct possibility. England should be worried.
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