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AED/INR bank rates,
side by side.

Today's UAE Dirham buy and sell quotes from every Indian bank in our cohort. TT, bills, travel card and currency-note channels, the mid-market benchmark and the per-bank spread, all in one place.

Live · 14 May 2026mid-market 1 AED = ₹26.0730mid-market chart →

Bank quotes

Every bank quoting AED today.

Amount

Tightest spread

₹0.22

0.84% of mid

Widest spread

₹3.13

11.99% of mid

Range

14.2×

best to worst

Banks quoting

of 19 tracked

Bank	Band	Buy	Sell	Spread	% of mid	As of
Union Bank of IndiaPublic Sector	Tight	25.9500	26.1700	₹0.22	0.84%	14 May
Indian Overseas BankPublic Sector	Narrow	25.8400	26.2300	₹0.39	1.50%	13 May
Punjab National BankPublic Sector	Narrow	25.8600	26.3200	₹0.46	1.76%	14 May09:00
Bank of BarodaPublic Sector	Narrow	25.8200	26.3300	₹0.51	1.96%	13 May
Canara BankPublic Sector	Narrow	25.5875	26.1200	₹0.53	2.06%	11 May
UCO BankPublic Sector	Narrow	25.7500	26.4000	₹0.65	2.49%	14 May
State Bank of IndiaPublic Sector	Wide	25.4100	26.6900	₹1.28	4.91%	13 May09:08
ESAF Small Finance BankSmall Finance	Wide	25.3600	26.6800	₹1.32	5.07%	13 May
HSBC IndiaForeign	Wide	25.2900	26.7300	₹1.44	5.54%	13 May10:10
IndusInd BankPrivate	Wide	25.2800	26.7500	₹1.47	5.65%	14 May09:38
Standard Chartered Bank IndiaForeign	Wide	25.2800	26.8500	₹1.57	6.02%	14 May09:02
Axis BankPrivate	Wide	25.2100	26.8200	₹1.61	6.19%	13 May18:45
HDFC BankPrivate	Wide	25.2000	26.8200	₹1.62	6.23%	13 May09:22
ICICI BankPrivate	Wide	25.2000	26.8200	₹1.62	6.23%	13 May09:12
Ujjivan Small Finance BankSmall Finance	Wide	25.2500	26.8700	₹1.62	6.22%	14 May09:45
Kotak Mahindra BankPrivate	Wide	25.0200	27.0000	₹1.98	7.61%	13 May09:00
IDFC FIRST BankPrivate	Wide	25.0700	27.0600	₹1.99	7.63%	14 May09:09
RBL BankPrivate	Wide	24.8800	27.2400	₹2.36	9.06%	14 May09:00
SBM Bank IndiaForeign	Wide	24.5075	27.6325	₹3.13	11.99%	14 May09:21

What this means

On a ₹1,00,000 AED TT (wire) ticket today, the tightest-quoting bank costs ₹422 vs. ₹5,993 at the widest, a ₹5,571 difference for the same trade.

How the bands work

Each bank's TT spread (sell − buy as % of mid) is bucketed into four bands. Bands shift as banks adjust pricing, a bank's position today isn't a permanent classification. Bands are empirical, not advisory.

Tight

≤ 1.4%

Smallest gap between buy and sell.

Narrow

1.4 to 3.0%

Tighter than the cohort average.

Standard

3.0 to 4.4%

Around the cohort average.

Wide

> 4.4%

Widest end of today's cohort.

Per-bank transaction bandsBanks publish rates for tickets within a size band, talk to the branch for the rest.+

Union Bank of India· cap USD 5,000

Punjab National Bankmax ₹10,00,000

Canara Bank· cap USD 5,000

UCO Bank· cap USD 5,000

State Bank of Indiamin ₹10,00,000 max ₹20,00,000

Axis Bankmax ₹25,00,000

HDFC Bankmax ₹20,00,000

ICICI Bank· cap USD 25,000

Ujjivan Small Finance Bankmax ₹20,00,000

Kotak Mahindra Bank· cap USD 10,000

RBL Bank· cap USD 10,000

These are the bank's own published transaction sizes for the card rate above. Larger tickets compress further; smaller tickets may carry handling charges. Call your branch before transacting.

talk to capera

Turn this gap into a saving.

Indian banks publish a card rate; treasury desks negotiate underneath it. For a single sized AED transaction or a recurring monthly flow, we'll walk through today's market with you and help you pick the right counterparty.

Or write to hello@capera.co · See our FX intelligence

AED/INR rates · frequently asked

Sort the table above by spread, the top row is today's tightest TT (wire) quote. The leader shifts day to day; today's snapshot is on this page. Whichever bank is on top, walk in and ask for treasury-desk pricing on your sized ticket, card rates are the upper bound, not the lower bound.

Each channel carries different operational cost. TT (wire) is the tightest because the bank doesn't hold AED inventory. Travel cards carry inventory risk; cash carries inventory + cash-handling risk. The cash spread can be several times the TT spread at the same bank.

The headline strip at the top of this page shows today's actual range across the cohort. Spreads on majors (USD, EUR, GBP, AED) follow tight bands; less-liquid currencies typically run wider.

No. For regulatory filings, FEMA 401, LRS declarations, TCS under Section 206C(1G), use the RBI reference rate, or the rate at which your bank actually executed your transaction. The rates here are indicative.

Card rates are the rack rate for tickets within the published band. Treasury desks negotiate for larger tickets; priority / wealth / corporate tiers compress further. The card rate is the upper bound on what you should pay. Always ask.

Open /rates/fx/AED-INR, live interbank mid, 52-week range, and historical chart. Banks build their spread on top of mid.

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