General guide — confirm on the official site
Sending money to India safely
ഇന്ത്യയിലേക്ക് സുരക്ഷിതമായി പണം അയയ്ക്കാം
Send money only through banks, Central Bank-licensed exchange houses and their apps. Compare the rate and the fee.
Go to the official service Last updated: November 2026
This is general guidance. Fees and rules change — confirm on the official link and apply only there.
Who needs this?
Anyone sending money home.
Eligibility
- Anyone with a valid Emirates ID or passport
Required documents
- Emirates ID
- Receiver's bank account number, IFSC and name exactly as in the bank
Step by step
- Compare the rate and fee on 2–3 exchange or bank apps
- Add the beneficiary (send to an NRE/NRO account if you have one)
- Send and keep the reference number
- Most transfers reach in minutes to 1 day
Fees
Typically AED 0–25 per transfer plus the exchange margin — compare the final INR received
Processing time
Instant to 1 working day
Online or in person
Online and in person
Where to go — useful links
Prices and timings are approximate and change — confirm on the official site before paying.
LuLu Exchange
Branches in LuLu malls; LuLu Money app.
Joyalukkas Exchange
Kerala-linked exchange house with UAE branches.
Al Fardan Exchange
Branches across the UAE.
GCC Exchange
Remittance and currency exchange.
CBUAE licensed exchange list
Check that any exchange house is licensed by the Central Bank.
Responsible authority
Common mistakes
- Informal 'hawala' channels — illegal and risky.
- Looking only at the rate and ignoring the fee.
Related questions
How do I know an exchange house is licensed?
Check the list of licensed institutions on the Central Bank's official site.
Related guides
Official sources
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