Page 90 - AAE PR REPORT - OCTOBER 2025

10/31/25, 9:37 AM Rupee strengthens: Should UAE residents send money to India now or wait?

Analysts and exchange houses expect the rupee to trade in a tight band over the coming weeks, supported by
RBI activity and lower oil prices, but still sensitive to global risk sentiment and US monetary policy signals.

Al Najjar said the rupee is likely to move within a narrow corridor, pointing to 87.50 to 88.50 per dollar,
translating to roughly 23.82 to 24.10 against the dirham. Al Fardan expects a similar range, noting that ongoing

US–India trade dialogue and stabilising crude markets support a steady outlook. Both warn that geopolitical
shocks or a rebound in energy prices could quickly shift sentiment.

Remitters split transfers to manage risk

With the currency not expected to make sharp moves in the immediate future, UAE residents are increasingly

splitting remittances into multiple transfers rather than waiting for an ideal rate.

Al Najjar said many customers with fixed timelines, school fees, home loans, monthly upkeep, are sending now

to avoid potential currency surprises later in the quarter. “Market sentiment, perceived stability, and strategic
timing continue to shape remittance flows,” he noted.

Al Fardan added that in an environment where rates can change quickly, a balanced approach offers comfort.
“Spreading transfers over time can help manage fluctuations,” he said, particularly as global financial conditions

remain data-driven and unpredictable.

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