The ADCB exchange rate for AED to INR is on the bank's FX rates page, which lists buy and sell rates in AED per 1 unit of each currency.
When you send money to India, the sell rate applies, because the bank sells you rupees.
On 4 Nov 2026 ADCB's rate page showed an INR sell rate of 0.03932 AED, so 1 AED bought about 25.43 INR at ADCB's sell rate.
ADCB forex rates change during the day, so check the page again before you send.
How to check the ADCB exchange rate for AED to INR
The page listed 36 currencies on 4 Nov 2026, and reading it takes four steps.
- Where to look: open the Accounts FX Rates page on adcb.com. It shows an "As of Date" at the top.
- Which column: use the Sell Rate (AED) column on the INR row. Divide 1 by that number to see the INR you get for 1 AED.
- Units: every ADCB bank exchange rate on the page is quoted in AED per 1 unit of the foreign currency.
- What the bank says: the rates are indicative and can change, and they do not apply to transfers made through the "Direct Transfer" option.
For the mid-market AED to INR rate without the ADCB margin, use our AED to INR converter.
Which ADCB rate applies when you send AED to India
- Sending AED to India: ADCB sells you rupees, so the ADCB currency rate that counts is the sell rate.
- Turning INR back into AED at ADCB: the bank buys your rupees at the buy rate, so you get fewer dirhams.
- Same rate across segments: Aspire, Privilege Club, Excellency, Emirati and Emirati Excellency customers saw the same INR figures on 4 Nov 2026.
ADCB international transfer charges to India
For ADCB international transfer charges, see ADCB's current schedule of charges for the SWIFT fee before you send.
| Transfer type | Fee to India | Rate used |
|---|---|---|
| Standard SWIFT transfer | See the bank's fee schedule | Check with the bank |
| Direct Transfer | See the bank's fee schedule | Not the rates on the FX rates page |
Indian businesses can receive payments from abroad with Xflow
ADCB vs other ways to send money from the UAE to India
ADCB is one way to send money home. Before a large ADCB international transfer, compare the final rupee amount each option gives you.
| Option | How the rate is set | Fee approach | Best when |
|---|---|---|---|
| ADCB bank transfer | Bank rate, which usually includes a margin over mid-market | Set by the bank's fee schedule | You already bank with ADCB |
| Exchange house | Its own counter or app rate | Varies by provider | You want to pay cash in person |
| Money transfer app | Varies by provider | Varies by provider | You want to compare the final INR amount quickly |
Our page on how to send money from UAE to India covers each route step by step.
Frequently asked questions
On the Accounts FX Rates page on adcb.com. Use the Sell Rate (AED) on the INR row and check the "As of Date" at the top.
No. The bank calls its rates indicative and subject to change, so the ADCB AED to INR rate can move before your transfer is processed.
No. ADCB says the rates on its FX rates page do not apply to transactions made through the "Direct Transfer" option.
Check ADCB's current schedule of charges before you send.
ADCB's rate page does not cover transfer time, so check with the bank.
Use the sell rate, because the bank sells you rupees when you send money to India. The buy rate is for turning INR back into AED.
