Send money from the UAE to India
Transfer UAE Dirhams to Indian Rupees without the bank markup. X Rate Capital prices AED→INR off the live interbank market, settles same-day, often within a couple of hours over NEFT, RTGS or IMPS, and puts a named specialist on every transfer.
More routes: UAE transfers · India transfers
What people use us for in India
Buying property in India
Deposits, staged payments and completion on a Indian purchase — rate locked when you commit, funds landing over NEFT, RTGS or IMPS on the day they're due.
Relocating to India
Move savings, salary and pension income from the UAE without losing 3–4% to your bank each time. There are no exchange controls on moving money out of the UAE, and no personal income tax on the funds themselves.
Family & living costs
Regular or one-off support for family in India, settling same-day, often within a couple of hours, with scheduled transfers and a full audit trail.
Paying Indian suppliers
Pay suppliers, contractors or staff in Indian Rupees with batch payments, forward cover on your margin, and transparent AED/INR pricing.
Where the savings actually come from.
A high-street bank pricing AED/INR builds its margin into the rate before any fee appears on the statement. We quote against the live mid-market and settle over NEFT, RTGS or IMPS, so what you compare is the rate itself.
- Exchange rateMid-market plus a transparent marginWide spread, often hidden
- Settlement speedSame-day to T+2 typical3 to 5 business days
- Account managerNamed human, by phoneBranch queue or call centre
- Forwards / hedgingUp to 24 months, structuredLimited or unavailable
- Mass paymentsBulk batches, multi-currencyOne-by-one entry
- Crypto on/off rampRegulated, OTC deskNot supported
- Multi-currency holding65+ currencies, no forced conversionLimited
- ReportingAudit-grade, on demandStatements only
Built for the people who move money.
Most UAE-to-India transfers we handle are family support, property, NRI investment and education — one of the largest remittance corridors in the world — so the desk already knows the paperwork, the cut-offs and where this route usually stalls.
Global payments
Send and receive payments to over 190 countries effortlessly, with competitive rates and guaranteed reliability.
Local currency accounts
Manage 65+ currencies in one account, making global transactions simple and hassle-free.
Fast & secure
Move money quickly and securely with advanced encryption, ensuring every transaction is seamless.
Three steps to seamless global transfers.
Set-up takes minutes. Once you are approved, AED/INR transfers settle same-day, often within a couple of hours, with a named dealer for anything time-sensitive.
Open your account
Sign up and verify your identity once. We will ask what you are moving and roughly how often, so the desk can set up your UAE funding and your India beneficiary before the first trade.
Fund over the UAE Funds Transfer System
Send UAE Dirhams to your account using the UAE Funds Transfer System. There are no exchange controls on moving money out of the UAE, and no personal income tax on the funds themselves.
Settle into India
We book AED/INR at the live rate and pay out over NEFT, RTGS or IMPS — same-day, often within a couple of hours. The rupee isn't fully convertible, so inbound transfers carry an RBI purpose code and typically land in an NRE or NRO account.
Frequently asked questions
How long does a transfer from the UAE to India take?+
Funds reach the beneficiary over NEFT, RTGS or IMPS, typically same-day, often within a couple of hours once your money has cleared with us and the beneficiary is verified. The rupee isn't fully convertible, so inbound transfers carry an RBI purpose code and typically land in an NRE or NRO account. NRE balances stay freely repatriable; NRO funds don't. Getting the account type right up front saves real friction later. Your named specialist confirms exact timing before you book.
What do I need to know about sending money out of the UAE?+
There are no exchange controls on moving money out of the UAE, and no personal income tax on the funds themselves. On the receiving side: The rupee isn't fully convertible, so inbound transfers carry an RBI purpose code and typically land in an NRE or NRO account. NRE balances stay freely repatriable; NRO funds don't. Getting the account type right up front saves real friction later.
What information do you need about the Indian beneficiary?+
Account name, account number and the local routing detail for NEFT, RTGS or IMPS, plus the reason for the payment. The rupee isn't fully convertible, so inbound transfers carry an RBI purpose code and typically land in an NRE or NRO account. Getting the beneficiary name to match the account exactly is the single most common cause of a delayed transfer.
How do I get the best AED/INR exchange rate?+
High-street banks typically build 2–4% into the AED/INR rate they quote, and the cost is inside the rate rather than shown as a fee. X Rate Capital prices off live interbank with a small margin disclosed before you confirm. Use the calculator above for an indicative rate, then speak to the desk for a live quote.
Can I fix today's AED/INR rate for a future payment?+
Yes. A forward contract locks the current AED/INR rate for a payment up to 24 months ahead — useful when family support means committing to a figure now and paying later. Ask your specialist about forwards when you request a quote.
Is X Rate Capital regulated?+
Yes. Payment services are delivered through FCA-authorised partners — Sciopay Ltd (FRN 927951) and Equals Connect Limited (FRN 671508). Client funds are safeguarded in segregated accounts with tier-1 UK banks.
Get a quote
Tell us what you're moving and a specialist will come back with a live rate and next steps — usually within one business hour.