How to transfer money from Dubai to India is a question millions of Indians in the UAE ask regularly. In 2025, nearly 3.9 million Indians live in the UAE, many of whom are based in Dubai and send money home frequently to support their families, cover education expenses, or invest in India. In fact, remittances from the UAE made up 19.2% of all funds received by India in FY 2023–24. Whether you’re new to the process or just want to make it faster and cheaper, this guide breaks down the best methods available today.
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Why do Indians in Dubai Send Money to India?
Remittances are a major source of income for families and communities in India. Funds sent from abroad help in:
- Daily living expenses
- Medical bills
- School and college fees
- Home construction or EMI payments
- Investments and savings
According to the Reserve Bank of India, India received over $125 billion in remittances in 2023, with the UAE being one of the top contributors.
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How to Transfer Money from Dubai to India – Top 2 Methods
There are primarily two convenient and widely used options:
1. Online International Money Transfer Services (IMT)
These digital platforms offer quick and hassle-free remittances. Popular services include:
- Wise (formerly TransferWise)
- Remitly
- Western Union
- InstaRem
- Xoom by PayPal
Advantages:
- Fast transfers, usually completed within minutes to a few hours
- Competitive exchange rates compared to traditional banks
- Available 24/7 via apps or websites
- Licensed and regulated platforms with strong security features
- Promotions like zero fees on first transfer and loyalty rewards
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Disadvantages:
- Some platforms may include hidden charges or service fees
- Daily or monthly transfer limits may apply
- Limited offline support in case of disputes
2. International Bank Transfers (SWIFT transfers)
Banks like Emirates NBD, ADCB, HSBC, and others offer cross-border transfers to Indian banks via the SWIFT network.
Sending money through banks from Dubai to India is also a viable option. Let’s go through this mode’s advantages and disadvantages.
Advantages:
- High security and regulatory oversight
- Suitable for large transfers and business payments
- Clear documentation and audit trail
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Disadvantages:
- Slower processing, typically 2 to 5 business days
- Higher service fees and less competitive exchange rates
- Limited delivery flexibility compared to digital wallets
How Much Time Does It Take to Transfer Money from Dubai to India?
| Transfer Method | Estimated Time | Best For |
| Online IMT Services | Minutes to 24 hours | Everyday personal remittances |
| International Bank Transfer | 2 to 5 business days | Large or official transactions |
| Cheques or Demand Drafts | 5 to 10 business days | Rarely used now |
If you’re searching for “money transfer from Dubai to India time” or “how many days will it take to transfer money from Dubai to India,” the answer depends on the method chosen. IMTs are faster and more efficient for most users.
Comparison: IMT vs Bank Transfers
| Feature | Online IMT Services | International Bank Transfer |
| Speed | Minutes to 24 hrs | 2–5 business days |
| Cost | Low to Medium fees | High fees |
| Exchange Rates | Better than banks | Less favorable |
| Convenience | App-based, 24/7 | Bank visits may be required |
| Transfer Limits | May apply | Higher limits for large amounts |
How to Transfer Money to an Indian Bank Account?
If you’re wondering how to transfer money from Dubai to an Indian bank account, here’s what you’ll need:
- A valid ID (passport or residency card)
- Beneficiary details (name, bank name, IFSC code, account number)
- Purpose of remittance (e.g., education, family support)
- Payment source (your UAE bank or card)
Choose your method (IMT or bank), enter the details, confirm the exchange rate, pay the amount, and you’re done. It’s as straightforward as online banking.
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Dubai Se India Paise Kaise Bheje? (How to Send Money from Dubai to India in Hindi)
Dubai se India paise bhejne ke liye aap IMT services ka istemal kar sakte hain jaise Wise, Remitly, ya Xoom. Inmein se kai services turant paisa bhej deti hain aur aapko sirf beneficiary ke bank ke details chahiye hote hain.
Tips to Choose the Best Money Transfer Option
- Compare exchange rates daily and go with the best deal
- Look for first-time user offers and referral bonuses
- Choose services that provide real-time tracking and instant notifications
- Always go with platforms that are licensed, regulated, and transparent about fees
Real-Life Use Cases
Ravi, a software engineer in Dubai, uses Wise to send INR 50,000/month to support his parents. His transfers usually arrive within an hour and come with lower fees compared to banks.
Neha, who runs a boutique business, uses Emirates NBD’s international bank transfer service to send bulk payments to her suppliers in India. While the process takes a few days, the audit trail and official documentation make it ideal for her.
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2025 Update: What’s New in Dubai to India Transfers?
- Many IMT services now support instant UPI payouts to Indian bank accounts
- Apps have improved significantly, offering smoother user experience and biometric logins
- Transfer fees are getting more competitive as fintech platforms evolve
- Some services now offer scheduled or recurring transfers to automate payments
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Conclusion
Sending money from Dubai to India? It’s not a one-size-fits-all choice. Some need speed, others look for affordability, and many prioritize safety or convenience. The key is knowing what matters most to you. With so many licensed providers out there, comparing your options can really pay off literally. A few smart choices can mean more money for your loved ones and less stress for you.
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