Today's Best Rates to India
Sorted by most rupees received · Local providers for your country · Click “Send Now” to confirm rate on provider's site
AED
→
Recipient gets in ₹ INR
🏦 Mid-Market Rate
XE.COM
1 AED = ₹—
The real interbank rate · Live from currency API · Updated —
You send 1,000 AED → at mid-market:
₹—
Providers typically give — less due to their margin
How to read this: Each provider's INR shown = amount after their typical margin + fee, applied to today's mid-market rate. Visual bars show relative value — the longer the bar, the more rupees your family receives.
SIP & SWP Calculator
SIP — grow your India corpus with monthly investments · SWP — plan monthly withdrawals without depleting your corpus
SIP — Systematic Investment Plan
How much will your monthly mutual fund investment grow to? Models compounding with annual step-up option.
SWP — Systematic Withdrawal Plan
You've built a corpus. How long will it last with monthly withdrawals? Accounts for portfolio returns and inflation.
💡 NRI Tip: SIP into ELSS, Flexi-cap or Index funds via NRE/NRO account. Returns from equity MFs held >1 year taxed at 10% LTCG (above ₹1L). SWP from a balanced advantage fund can give tax-efficient monthly income in India post-return. Consult a SEBI-RIA before investing.
NRE vs NRO Account
Current NRE FD rates from leading banks · Account comparison · Personalised recommendation
Current NRE Fixed Deposit Rates
Tax-free interest for NRIs · Updated periodically · Click bank name to open FD on their site
Bank1 Year2 Years3 Years5 Years
⚠️ Note: Rates shown are indicative (approximate mid-2025). NRE FD interest is 100% tax-free in India and fully repatriable. Yes Bank offers higher rates — check CRISIL/ICRA rating before investing large sums. Always verify current rates on the bank's site before opening an FD.
Which Account is Right for You?
Answer 3 questions for an instant recommendation.
NRE · NRO · FCNR — Full Comparison
Key differences at a glance
| Feature | NRE Account | NRO Account | FCNR Deposit |
|---|---|---|---|
| Currency | INR | INR | Foreign (USD/GBP/AED…) |
| Fund source | Foreign income only | Foreign + India income | Foreign income only |
| Repatriation abroad | ✔ Fully free | ⚡ Up to $1M/year | ✔ Fully free |
| Interest taxable in India | ✔ Tax-free | ✘ 30% TDS | ✔ Tax-free |
| Joint with resident Indian | ✘ Not allowed | ✔ Allowed | ✘ Not allowed |
| FX / currency risk | ✘ Yes (INR) | ✘ Yes (INR) | ✔ None — held in forex |
| Best suited for | Parking foreign savings | Managing India income | Large forex savings |
NRI Home Loan EMI Calculator
Monthly EMI · Yearly amortization schedule · Download as CSV or PDF
Loan Details
NRI home loan rates typically range from 8.5%–10% p.a. Fill in your details for the full schedule.
🏠 NRI Checklist: EMI must be debited from NRE/NRO account via ECS mandate · Power of Attorney required for local representative · Tax deduction on interest under Sec 24b up to ₹2L/yr · Sec 80C benefit up to ₹1.5L/yr on principal
NRI Home Loan Rates — Top 10 Banks
Sorted by starting rate · Click bank name to go to their NRI home loan page · Rates indicative (mid-2025)
| Bank | Starting Rate | Max Tenure | Processing Fee | Max LTV | Key Feature |
|---|---|---|---|---|---|
CAN Public sector | 7.90%+ | 30 yrs | 0.50% | 90% | Lowest rate; women get extra 0.05% off |
SBI Public sector · Most trusted | 8.00%+ | 30 yrs | 0.35% (max ₹10K) | 90% | Largest NRI branch network; lowest processing fee |
PNB Housing finance company | 8.25%+ | 30 yrs | Up to 0.50% | 90% | Dedicated NRI division; fast processing |
BOB Public sector | 8.40%+ | 30 yrs | 0.25–0.50% | 90% | Good for Gulf NRIs; wide branch network |
HDFC Private sector · Large cap | 8.45%+ | 20 yrs | Up to 1.25% | 90% | Zero prepayment charges; women discount |
IDBI Public sector | 8.55%+ | 30 yrs | 0.50% | 90% | Competitive rates for salaried NRIs |
AXIS Private sector · Mid-large cap | 8.75%+ | 30 yrs | Up to 1% (min ₹10K) | 90% | Best rates for CIBIL 751+; no prepayment penalty |
KOT Private sector | 8.75%+ | 20 yrs | Up to 1% | 80% | Digital-first; quick sanction for NRIs |
FED Private · Kerala NRI favourite | 8.80%+ | 30 yrs | 0.50% | 90% | Top choice for Kerala/South India NRIs |
ICICI Private sector · Large cap | 9.00%+ | 30 yrs | 0.50% + taxes | 90% | Best for US/UK/Singapore NRIs; 30yr tenure |
📋 How to choose: Canara/SBI for lowest rate · HDFC/ICICI for US/UK NRIs with strong digital support · Federal Bank for South India NRIs · Axis for excellent CIBIL scores · All NRI home loans require: NRE/NRO account · POA · Overseas credit bureau report · Min 1yr overseas employment
Return to India Planner
Build your expense profile · Apply real India inflation · See year-by-year projections · Know exactly how much corpus you need
Step 1 — Choose Your City Tier
Pre-fills typical monthly expenses. You can edit every figure below.
Step 2 — Your Monthly Expense Breakdown
All amounts in Indian Rupees (₹) per month
Total Monthly Expenses
Tap Calculate to update
₹0
Step 3 — Planning Parameters
📋 India Inflation Reality: CPI has averaged 5–7% p.a. over the last decade. Healthcare and education inflate faster (~8–10%). Kids education fees in metro schools: ₹10K–40K/month. Family health floater: ₹15K–40K/year. Build in a 20% buffer for unexpected expenses.
DTAA Tax Calculator
India has Double Tax Avoidance Agreements (DTAA) with 90+ countries. NRIs can claim reduced TDS rates — often saving 15–20% on their India income.
Your Details
Real Estate ROI Calculator
NRIs own 25%+ of Indian real estate purchases. Calculate rental yield, total ROI, EMI, cash flow — and compare against NRE FD returns.
Property Details
Rental & Growth
📋 NRI Repatriation Rule: You can repatriate up to USD 1 million per year from property sale proceeds (if purchased via NRE/foreign remittance). Rental income from NRO account: repatriate up to USD 1M/year with CA certificate. Always consult a FEMA-qualified CA before large transactions.