USD$ = 95.81₹ GBP£ = 128.60₹ EUR€ = 111.17₹ CAD$ = 69.44₹ AUD$ = 68.30₹ AED = 26.09₹ SGD$ = 74.86₹ NZD$ = 56.14₹ SEK = 10.22₹
IST: 00:00 PM
IST:

Send AED to India

Compare rates and fees before you transfer

Remittance partner

Check the AED-INR rate, fee, and payout before you remit

Use the calculator first, then continue with Wise when the rate and payout look right.
Remit Now

Related guides

UAE Tax Guide

NRI Banking

NRI Investment

Common Questions

Online services like Wise, Remitly, and UAE Exchange typically offer better rates than bank transfers. For regular transfers, Wise provides the mid-market rate with a small fee. For very large amounts, exchange houses like Al Ansari and UAE Exchange can be competitive, especially during promotional periods. Always compare the total INR received, not just the advertised rate.
Yes. The UAE has a well-regulated network of exchange houses — Al Ansari Exchange, UAE Exchange (now Unimoni), Lulu Exchange, and Al Rostamani are popular choices. They’re convenient with branches in malls and commercial areas. Rates are competitive for the AED-INR corridor. Many also offer online/app-based transfers now, combining convenience with branch-network reliability.
India has no cap on receiving foreign remittance. On the UAE side, the Central Bank requires identity verification for transfers — amounts above AED 3,500 need your Emirates ID. For very large transfers, additional documentation (salary certificate, source of funds) may be requested. There’s no annual cap, but amounts above Rs 50,000 received as gifts from non-relatives are taxable for the Indian recipient.
Most transfers from the UAE to India arrive within hours to 1 business day. Exchange houses often deliver same-day for common banks (SBI, HDFC, ICICI). Wise typically completes within 24 hours. Bank wire transfers take 1-3 business days. For urgent needs, some services offer instant credit to Indian bank accounts.

AED to INR — The Gulf’s Biggest Corridor

The UAE-to-India remittance corridor handles billions of dirhams annually — it’s one of the busiest money transfer routes in the world. With over 3.5 million Indians in the UAE, the competition among transfer services is fierce, which works in your favour.

How to Compare Remittance Options

The total cost of sending money has two components:

  1. Transfer fee — the explicit charge per transaction
  2. Exchange rate margin — the gap between the mid-market rate and what the provider offers you

In the UAE, exchange houses often advertise “zero fees” but make their margin on the exchange rate. Always compare the total INR the recipient gets for the same AED amount.

Wise

  • Rate: Mid-market rate (no markup)
  • Fee: Small transparent fee
  • Speed: Hours to 1 business day
  • Best for: Regular transfers, rate transparency

UAE Exchange (Unimoni)

  • Rate: Competitive, sometimes best for large amounts
  • Fee: Often zero on certain corridors
  • Speed: Same day to major Indian banks
  • Best for: Large transfers, branch convenience

Al Ansari Exchange

  • Rate: Competitive rates, large branch network
  • Fee: Minimal or zero for India transfers
  • Speed: Same day
  • Best for: Walk-in convenience, cash-funded transfers

Remitly

  • Rate: Good promotional rates for new users
  • Fee: Varies by speed and payment method
  • Speed: Minutes (Express) to 3-5 days (Economy)
  • Best for: First-time transfers, promotional offers

Bank transfer (NEFT/SWIFT)

  • Rate: Usually the worst exchange rate
  • Fee: AED 50-100 per transfer
  • Speed: 1-3 business days
  • Best for: Very large amounts where your bank offers negotiated rates

Tips for UAE NRIs Sending Money

  • Compare on salary day — many NRIs send money right after salary credit. Exchange houses sometimes offer better rates on the 25th-30th of each month to capture this flow.
  • Use apps — most exchange houses now have mobile apps. Al Ansari, Lulu Exchange, and UAE Exchange all offer app-based transfers at the same rates as branch visits.
  • NRE vs NRO — send to your NRE account for tax-free interest and full repatriability. NRO is for Indian-source income only.
  • Set rate alerts — AED-INR is relatively stable (AED is pegged to USD), but small movements still matter on large amounts.
  • Batch your transfers — one larger monthly transfer is cheaper than multiple weekly ones due to per-transaction fees.
  • Keep receipts — maintain transfer records for Indian tax filing, especially if you’re investing the remitted funds.

Rates and fees change frequently. Always compare current rates before transferring. NRIWallah may earn a commission from partner links — our comparisons remain unbiased.

Share this page:

Check the AED-INR rate, fee, and payout before you remit

Remit Now