Send money from India to the UAE
Transfer Indian Rupees to UAE Dirhams without the bank markup. X Rate Capital prices INR→AED off the live interbank market, settles same-day on working days (Monday to Friday) over the UAE Funds Transfer System, and puts a named specialist on every transfer.
Sending the other way? Send money from the UAE to India.
More routes: India transfers · UAE transfers
What people use us for in the UAE
Buying property in UAE
Deposits, staged payments and completion on a Emirati purchase — rate locked when you commit, funds landing over the UAE Funds Transfer System on the day they're due.
Relocating to UAE
Move savings, salary and pension income from India without losing 3–4% to your bank each time. Money leaving India runs under the RBI's Liberalised Remittance Scheme, which caps individual outbound remittances at USD 250,000 per financial year and applies TCS above certain thresholds.
Family & living costs
Regular or one-off support for family in UAE, settling same-day on working days (Monday to Friday), with scheduled transfers and a full audit trail.
Paying Emirati suppliers
Pay suppliers, contractors or staff in UAE Dirhams with batch payments, forward cover on your margin, and transparent INR/AED pricing.
Where the savings actually come from.
A high-street bank pricing INR/AED builds its margin into the rate before any fee appears on the statement. We quote against the live mid-market and settle over the UAE Funds Transfer System, 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 India-to-UAE transfers we handle are Dubai and Abu Dhabi property, relocation packages, school fees and remittances home — 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, INR/AED transfers settle same-day on working days (Monday to Friday), 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 India funding and your UAE beneficiary before the first trade.
Fund over NEFT, RTGS or IMPS
Send Indian Rupees to your account using NEFT, RTGS or IMPS. Money leaving India runs under the RBI's Liberalised Remittance Scheme, which caps individual outbound remittances at USD 250,000 per financial year and applies TCS above certain thresholds.
Settle into UAE
We book INR/AED at the live rate and pay out over the UAE Funds Transfer System — same-day on working days (Monday to Friday). The dirham is pegged to the US dollar at roughly 3.
Frequently asked questions
How long does a transfer from India to the UAE take?+
Funds reach the beneficiary over the UAE Funds Transfer System, typically same-day on working days (Monday to Friday) once your money has cleared with us and the beneficiary is verified. The dirham is pegged to the US dollar at roughly 3.6725 AED, so AED pricing moves with the dollar rather than independently — worth knowing when you're timing a transfer. Note the UAE banking week runs Monday to Friday. Your named specialist confirms exact timing before you book.
What do I need to know about sending money out of India?+
Money leaving India runs under the RBI's Liberalised Remittance Scheme, which caps individual outbound remittances at USD 250,000 per financial year and applies TCS above certain thresholds. On the receiving side: The dirham is pegged to the US dollar at roughly 3.6725 AED, so AED pricing moves with the dollar rather than independently — worth knowing when you're timing a transfer. Note the UAE banking week runs Monday to Friday.
What are people usually sending INR to AED for?+
Most INR/AED volume we handle is driven by Dubai and Abu Dhabi property, relocation packages, school fees and remittances home. Whichever applies to you, the same desk handles the deposit, the staged payments and the completion, so you're not re-explaining your situation each time.
Can I set up regular transfers from India to the UAE?+
Yes — schedule recurring transfers to a saved beneficiary so salary, pension, rent or family support goes out automatically. Each one prices off the live INR/AED market rather than a fixed retail rate, and settles over the UAE Funds Transfer System.
What information do you need about the Emirati beneficiary?+
Account name, account number and the local routing detail for the UAE Funds Transfer System, plus the reason for the payment. The dirham is pegged to the US dollar at roughly 3. Getting the beneficiary name to match the account exactly is the single most common cause of a delayed transfer.
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.