Send money to India from the UAE

Most transfers to India arrive within a few hours, sometimes in minutes, depending on the receiving method you choose and your recipient's bank or wallet. You'll see live tracking inside the botim app from the moment you tap Send, with a notification when the money lands.

Today's indicative rate is 1 AED = INR 23.95, updated 02 Nov, 12:29 GST. Rates move throughout the day, and existing botim customers often see a slightly better rate than this indicative figure. The exact rate for your transfer is locked in the botim app at the moment you confirm.

Your first transfer with botim is free. After that the fee depends on how much you're sending, how you're paying, and how your recipient wants to receive the money, so it varies from one transfer to the next. The exact fee is shown in the botim app before you confirm, so you never pay more than what's quoted.

Yes. Enter your recipient's UPI ID (for example name@okbank, name@okaxis or any name@bank), and the money goes straight to the bank account linked to that UPI ID. UPI payouts work with PhonePe, Google Pay, Paytm and every UPI-enabled app in India, so your recipient doesn't need to download anything new.

You'll need your recipient's full name as it appears on their bank records, plus either (a) their 11-character IFSC code and bank account number for a direct bank transfer, or (b) their UPI ID in name@bank form for an instant UPI payout. botim saves their details after the first transfer so repeat sends only take a few taps.

The amount you can send depends on your verification level in botim and on the daily and monthly limits set by the Central Bank of the UAE for licensed money services. You'll see your personal limit in the app before every transfer, and you can raise it by completing additional KYC steps if your remittance needs grow.

Yes. botim Money is licensed by the Central Bank of the UAE as a regulated payment service provider, so every transfer runs through our regulated rails and is subject to UAE anti-money-laundering rules. Your transfer is tracked end-to-end in-app and automatically refunded to the original payment method if it fails.

You can send any amount from a few dirhams upward, with a floor set by the botim app for each receiving method so the transfer covers at least the destination network's minimum. The exact minimum shows in the app the moment you choose your recipient and payout method.

Yes. A valid Emirates ID is required to open a botim account and send money from the UAE, because botim Money is licensed by the Central Bank of the UAE and must verify every sender. You only need to upload it once, and subsequent transfers to India don't repeat the step.

You can send to any bank account in India. The most common receiving banks on botim include SBI, HDFC Bank, ICICI Bank, Axis Bank & more. If you have your recipient's account number and IFSC code, the money lands straight in their account.