AED
→
Recipient gets ₹ 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: INR shown = today's mid-market rate minus each provider's typical margin & fee. Visual bars show relative value — longer bar = more rupees received. Providers run promotions and change rates in real time — always click a provider to confirm the live rate before transferring. Promos (like zero-fee first transfers) will make the actual rate better than shown here.
Disclaimer & Important Notice
Rates shown on this page are indicative estimates only, calculated using live mid-market exchange rates adjusted by each provider's typical margin and fee. They are not guaranteed and may differ from the actual rate offered at the time of your transfer.
Exchange rates fluctuate continuously. Provider margins, fees, and promotions change without notice. NRI Finance Hub is an independent comparison tool and has no commercial affiliation with any remittance provider listed. We do not process, facilitate, or guarantee any money transfers.
Always visit the provider's official website or app to confirm the live rate and total cost before initiating any transfer. NRI Finance Hub accepts no liability for losses arising from reliance on rates displayed here.
Exchange rates fluctuate continuously. Provider margins, fees, and promotions change without notice. NRI Finance Hub is an independent comparison tool and has no commercial affiliation with any remittance provider listed. We do not process, facilitate, or guarantee any money transfers.
Always visit the provider's official website or app to confirm the live rate and total cost before initiating any transfer. NRI Finance Hub accepts no liability for losses arising from reliance on rates displayed here.
ⓘ Affiliate links — we may earn a small commission at no extra cost to you
SIP — Systematic Investment Plan
How much will your monthly mutual fund investment grow to? Models compounding with annual step-up option.
Quick fill:
SWP — Systematic Withdrawal Plan
You've built a corpus. How long will it last with monthly withdrawals? Accounts for portfolio returns and inflation.
Quick fill:
💡 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.
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
SBI
Public sector · Govt-backed · Peak: 6.45% (444 days)
6.30%
p.a.
6.45%
p.a.
6.40%
p.a.
6.35%
p.a.
HDFC
Private sector · Large cap · Peak: 6.45% (18m+)
6.35%
p.a.
6.45%
p.a.
6.45%
p.a.
6.40%
p.a.
⚠️ Note: SBI & HDFC rates verified June 2026 (post RBI cuts). Other banks estimated — always verify on the bank's site before opening an FD. 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.
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 |
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Loan Details
NRI home loan rates now range from 7.25%–9% p.a. (post RBI rate cuts, June 2026). 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 (June 2026, post RBI cuts)
| Bank | Starting Rate | Max Tenure | Processing Fee | Max LTV | Key Feature |
|---|---|---|---|---|---|
SBI Public sector · Most trusted | 7.25%+ | 30 yrs | 0.35% (max ₹10K) | 90% | Largest NRI branch network; lowest processing fee |
ICICI Private sector · Large cap | 7.45%+ | 30 yrs | 0.50% + taxes | 90% | Best for US/UK/Singapore NRIs; 30yr tenure |
CAN Public sector | 7.65%+ | 30 yrs | 0.50% | 90% | Women borrowers get extra 0.05% off |
HDFC Private sector · Large cap | 7.90%+ | 30 yrs | Up to 1.25% | 90% | Zero prepayment charges; strong NRI digital support |
BOB Public sector | 7.90%+ | 30 yrs | 0.25–0.50% | 90% | Good for Gulf NRIs; wide branch network |
AXIS Private sector · Mid-large cap | 8.00%+ | 30 yrs | Up to 1% (min ₹10K) | 90% | Best rates for CIBIL 751+; no prepayment penalty |
PNB Housing finance company | 8.25%+ | 30 yrs | Up to 0.50% | 90% | Dedicated NRI division; fast processing |
IDBI Public sector | 8.35%+ | 30 yrs | 0.50% | 90% | Competitive rates for salaried NRIs |
FED Private · Kerala NRI favourite | 8.55%+ | 30 yrs | 0.50% | 90% | Top choice for Kerala/South India NRIs |
KOT Private sector | 8.75%+ | 20 yrs | Up to 1% | 80% | Digital-first; quick sanction for NRIs |
📋 How to choose: SBI/ICICI for lowest rates (7.25%–7.45%) · HDFC for US/UK/Australia NRIs with digital support · Federal Bank for South India / Kerala NRIs · Axis for high CIBIL score applicants · Bank of Baroda for Gulf NRIs · All NRI home loans require: NRE/NRO account · POA · Overseas credit report · Min 1 yr overseas employment
ⓘ Affiliate links — we may earn a small commission at no extra cost to you
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
Return-to-India Checklist
Track your preparation across 3 phases. Progress saves automatically.
Overall Progress
0%
1
6–12 Months Before Return
0 / 5 done
✓
Calculate your RNOR window
RNOR status shields foreign income from India tax for up to 2 years after return. Know your window before you book the flight.
✓
Start repatriating NRE FD maturity proceeds
NRE FD interest is fully tax-free while you're an NRI. Redeem maturing FDs and wire funds abroad — once you become Resident, NRE interest becomes taxable.
✓
Stop new NRO deposits — plan NRO repatriation
NRO repatriation is capped at USD 1M/year and requires CA certificate (Form 15CA/15CB). Start the process early — bank processing takes 2–4 weeks per transfer.
✓
Review overseas investments — sell tax-efficiently
Capital gains on overseas assets are not taxable in India during RNOR period. Review your portfolio abroad and consider selling appreciated positions before you lose RNOR status.
✓
Arrange health insurance in India
Your overseas employer insurance ends when you leave. Get a family floater health policy (₹10–20L cover) before arrival — pre-existing conditions may have a waiting period of 1–4 years.
2
1–3 Months Before Return
0 / 4 done
✓
Convert NRE account → Resident or RFC account
You must convert your NRE account within a reasonable time of becoming Resident. RFC (Resident Foreign Currency) account lets you hold foreign currency without converting to INR — useful if you earn abroad even after returning.
✓
Convert NRO account → Resident savings
NRO account should be re-designated as a regular resident savings account. Contact your bank's NRI desk — they'll require address proof and updated KYC documents.
✓
Update KYC with banks (new India address)
Failure to update KYC can freeze your accounts. Visit branch or use net banking portal to upload new address proof (Aadhaar/utility bill). Do this for every bank you hold accounts with.
✓
File Form 10F if DTAA claim is pending
If you have pending TDS refunds or active DTAA claims in India, file Form 10F with your Tax Residency Certificate before leaving your host country. This can be done online on the Indian Income Tax portal.
3
After Return — Within 6 Months
0 / 3 done
✓
Update Aadhaar with new India address
Visit an Aadhaar enrollment centre or use the UIDAI online portal with a valid address proof. Updated Aadhaar is required for bank KYC, mutual fund investments, and income tax filing.
✓
Notify all investments of resident status change
Mutual funds, demat account, and brokers must be notified. Your Demat account operating as NRI-PIS needs to be re-designated. Failure to notify may cause tax-withholding issues at redemption.
✓
File IT return — declare as RNOR for up to 2 years
File your Income Tax Return declaring RNOR status. Include Schedule FA to disclose foreign assets. Under RNOR, foreign income is still exempt — maximise this before your 2-year window closes.
📋 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.
Days Spent in India — Last 10 Financial Years
Enter days inside India for each fiscal year (Apr–Mar). Threshold: NRI = under 182 days in current year.
FY 2025-26
/ 366
FY 2024-25
/ 366
FY 2023-24
/ 366
FY 2022-23
/ 366
FY 2021-22
/ 366
FY 2020-21
/ 366
FY 2019-20
/ 366
FY 2018-19
/ 366
FY 2017-18
/ 366
FY 2016-17
/ 366
Your Details
Select your country and income type — DTAA rates vary by treaty. UAE NRIs pay 0% TDS on interest; US NRIs pay 15%.
Quick fill:
Property Details
Model rental yield, ROI, and monthly cash flow vs NRE FD benchmark. Results update automatically.
Quick fill:
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.
Quick fill:
Child Profile & Costs
No guides match your search.
Banking
NRE vs NRO Account: Which One Do You Actually Need?
Confused between NRE and NRO? This guide cuts through the jargon — when to open each, tax rules, and what most NRIs get wrong.
Tax
How NRIs Can Save Tax in 2026 (DTAA, Form 15CA & More)
Most NRIs overpay tax simply because they don't know the rules. Learn how DTAA, NRE accounts, and proper filing can save you lakhs.
Property
The Complete NRI Home Buying Guide (2026)
From FEMA rules to POA, loan eligibility to registration — a step-by-step walkthrough of buying property in India while living abroad.
Transfer
Best Ways to Send Money to India: Full Cost Comparison
Bank wire vs Wise vs exchange houses — we break down the real cost of each method and show you how to save 2–4% on every transfer.
Planning
How to Use the Return Planner: Simulate Your Corpus & Retirement
A step-by-step walkthrough of the Return Planner tool — how to set inputs, read the year-by-year table, and stress-test your retirement numbers.
Planning
How to Plan Your India Retirement Using SIP & SWP
What corpus do you need to retire in India? How do SIP and SWP work together? A practical framework with real numbers for NRIs.
Tax
RNOR Status: The Tax Holiday Every Returning NRI Must Use
RNOR lets returning NRIs keep foreign income tax-free for up to 3 years. Most miss it completely. Here's exactly how to qualify and use it.
Investing
NRI Guide to Investing in Indian Mutual Funds (2026)
NRIs can invest in Indian equity and debt mutual funds from NRE accounts. Here's how: KYC, FATCA, best funds, tax rules, and repatriation.
Tax
How to File ITR as an NRI: Form, Deadlines & What to Declare
Which ITR form to use, what Indian income to declare, TDS refunds, and what happens if you don't file. Everything NRIs need for Indian tax filing.
Planning
PPF and NPS for NRIs: What You Can and Cannot Do
NRIs cannot open new PPF accounts but can maintain existing ones until maturity. NPS is open to NRIs. Full rules, tax benefits, and withdrawal guide.
Transfer
Repatriating Money from India: LRS, FEMA & the ₹7L TCS Rule
How to legally move money from India to your foreign account. LRS limit, Form 15CA/CB, TCS on remittances above ₹7L, and FEMA compliance.
⚠️ These guides are for informational purposes only. Consult a SEBI-registered advisor or CA for personalised advice.
Property Sale Details
Enter sale price and purchase cost — TDS is deducted by the buyer before payment to NRI
Quick fill:
TDS Rate
—
Incl. surcharge & cess
TDS Amount
₹—
Capital Gain
₹—
Net Proceeds
₹—
📋 What is Section 195 TDS?
When an NRI sells property in India, the buyer must deduct TDS on the entire sale consideration before paying. The buyer deposits this with the Indian government via Form 26QB. The NRI can claim refund if actual tax liability is lower.
💡 How to Reduce TDS?
Apply for Lower Deduction Certificate under Section 197 from your Assessing Officer before the sale. With capital gain exemptions (Section 54 — reinvest in another house within 2 years), your actual tax can be nil.
📄 Key Documents
Buyer needs: Form 15CA & 15CB (CA-certified). NRI needs: PAN card, TAN of buyer, sale agreement, cost basis proof. TDS certificate (Form 16B) issued to NRI within 15 days.
Your EPF Details
Check your EPF balance on the EPFO UAN portal before entering — balance includes both employee and employer contributions
Quick fill:
EPF Withdrawal
₹—
Employee + employer
EPS Amount
₹—
Pension scheme
Tax Status
—
Net in Hand
₹—
🌍 NRI & EPF Rules
NRIs can withdraw their full EPF after 2 months of leaving India (or becoming NRI). Submit Form 19 (EPF) and Form 10C (EPS) online via UAN portal. Processing takes 15–30 days.
💰 Taxability Rules
EPF withdrawal is fully tax-free if service ≥ 5 years. If < 5 years: taxable as salary income + 10% TDS if > ₹50,000. Exception: medical reasons, employer shutdown, or job transfer.
📊 EPS Pension Options
If service < 10 years: get lump sum (scheme certificate). If 10+ years: entitled to monthly pension at age 58. Maximum EPS contribution is ₹1,250/month (capped at ₹15,000 salary).
🪪 PAN Card — Is it Mandatory?
Yes for NRIs if you: own property in India, earn India income (rent, dividends, capital gains), invest in mutual funds or stocks, have NRE/NRO accounts, or file Indian income tax returns. Apply via Form 49AA (for foreign nationals / OCIs) or Form 49A (Indian citizens abroad). Processing takes 15–20 days. Cost: ₹107 (India address) or ₹1,017 (foreign address).
🔵 Aadhaar — NRI Rules
NRIs can apply for Aadhaar after residing in India for 182+ days in the preceding 12 months. It is NOT mandatory for NRIs to have Aadhaar. NRIs are exempt from compulsory PAN-Aadhaar linking. However, if you have both, linking avoids future TDS issues when you return.
📋 Document Checklist — PAN Application (NRI)
Identity Proof (any one)
✓Passport (copy of relevant pages)
✓OCI / PIO card
✓Driving licence (with photo)
Address Proof (any one)
✓Passport (address page)
✓Bank statement (last 3 months)
✓Utility bill / NRE account letter
🔗 Where PAN is Used
- NRE / NRO account opening
- Mutual fund investments
- Property purchase / sale
- TDS refund claims (ITR)
- DTAA benefit applications
- Demat & trading accounts
⚠️ Common NRI Mistakes
- Using residential PAN after becoming NRI
- Not updating PAN address to overseas
- Linking Aadhaar without India address
- Quoting wrong PAN in ITR (wrong status)
- Not submitting Form 15CA/15CB on remittances
🔄 Updating Existing PAN
Update your address on PAN via NSDL / UTI portals online. Select 'Change in existing PAN data'. Submit proof of overseas address. Important: notify your bank & mutual fund about NRI status — different TDS rates apply.
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1 USD =
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💰 Income entries
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🌏 Overseas Expenses
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|---|---|---|---|---|
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🇮🇳 India Commitments
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