Page 93 - AAE PR REPORT - OCTOBER 2025

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.

Seasonal lift, but macro still leads

Remittances typically rise toward year-end as households clear obligations, plan investments or

support families before the new calendar year. Exchange providers say this trend is visible again
and should continue, but the rupee’s direction will remain tied to broader forces such as oil

markets, policy moves in Washington, and RBI intervention.
For many UAE residents, the rupee may not move dramatically in the very near term, so certainty

has value. Those with regular payments are opting to transfer earlier; those with flexibility are
spreading out their remittances and using tools like rate alerts to capture favourable moments.

https://www.msn.com/en-ae/news/other/rupee-strengthens-should-uae-residents-send-money-
to-india-now-or-wait/ar-AA1Px927?ocid=BingNewsSerp