Factors Behind Indian Rupee Decline and Remittance Timing

The Indian Rupee (INR) is currently trading close to historic lows as it hovers around ₹89.46 against the US dollar. This depreciation is driven by external pressures such as weak foreign investment flows, global trade uncertainty, and high US tariffs. The Reserve Bank of India (RBI) has widened its currency intervention band up to ₹89.50, signaling a tolerance for a weaker rupee while still stepping in to avoid market volatility.

For Indians living in the UAE, this means more rupees for every dirham sent home. Since the AED is pegged to the US dollar, the rupee’s weakness directly boosts AED-INR rates. As of late November 2025, ₹24.35 to ₹24.40 per dirham marks one of the best exchange windows of the year. This has encouraged many to send remittances now, especially for school fees, medical expenses, or EMI payments, locking in higher value for money sent home.

India continues to be the largest remittance-receiving country, with $129 billion in 2024, making the current exchange rate particularly timely. Despite the uncertainty of future forex movements, many seasoned expats are using staggered remittance strategies—sending a portion now and the rest gradually—to manage risk and average out rates over time.

With increasing remittances and tighter regulations, using licensed and digital channels ensures security and better control through features like rate alerts and automated transfers. It’s not just about maximizing the exchange rate, but also about sending money home safely and effectively.

For UAE-based Indians, 2025 presents an ideal time to support families or invest back home, taking advantage of the rupee’s weakness while ensuring compliance and security through regulated platforms.

INR exchange rate, AED to INR, India remittances, rupee depreciation, RBI intervention