Send money from Saudi Arabia to India(SAR → INR)
Wise
Rate 25.6088 · Fee free
You send
﷼3,000
Estimated receipt
₹76,827
₹2,600 more than the lowest estimate · 0.16% markup vs mid-market
Affiliate link · No extra cost to you
Quick answer: Wise ranks first of 2 for 3,000 SAR → INR: 76,826.52 INR estimated. 2,577.82 INR separates first from last.
Latest pricing observation: . Quotes are kept per SAR→INR pair, not per country, so check Saudi Arabia is served before you commit. Methodology.
What is the cheapest way to send SAR to INR?
Sending ﷼3,000 from Saudi Arabia to India, ranked by estimated payout.
Source: our collected quotes
HDFC Bank
1-2 business days
₹74,248.70
recipient gets
Estimated payout difference: ₹2,577.82 between first and last on ﷼3,000.
Saudi Arabia is home to over 2.5 million Indian workers, making it the second-largest source of Gulf remittances to India. The SAR to INR corridor processes billions of riyals annually and is served by a wide range of global and regional providers.
The SAR to INR corridor benefits from strong competition among providers. The Saudi riyal is pegged to the US dollar, which keeps exchange rate fluctuations with the Indian rupee relatively predictable. On a SAR 3,000 transfer, the difference between the best and worst providers can mean ₹2,000–₹4,000 less reaching your recipient. Providers like Wise, Remitly, TapTap Send, and STCPay compete alongside traditional exchange houses such as Al Rajhi Bank and Western Union.
Which provider offers the best SAR to INR rate?
Wise
4.3Exchange rate
25.6088
Fee
Free
Recipient gets
₹76,826.52
Speed
Instant to 2 days
Guides, fees & how it works
What matters on the Saudi Arabia to India corridor
Saudi Arabia is one of the top two sources of India's $125 billion annual remittance inflow. The SAR to INR corridor is intensely competitive, with exchange houses, banks, and digital providers all vying for the 2.5 million Indian expats sending money home.
- Al Rajhi Bank, Saudi National Bank (SNB), and Arab National Bank (ANB) all offer remittance services with India delivery. However, digital providers and exchange houses like Lulu Exchange typically offer better SAR/INR rates.
- IMPS delivery to Indian bank accounts (HDFC, SBI, ICICI, Axis, Kotak) arrives within minutes and is available from multiple Saudi providers. This is the fastest and most convenient delivery method.
- Saudi Aramco workers and other high-income expats sending large amounts (SAR 10,000+) should compare OFX and Wise, which offer better rates on larger transfers than retail exchange services.
- The SAR is pegged to the USD at 3.75, meaning SAR/INR rates track USD/INR closely. Rate differences between providers are mainly a function of their exchange rate markup, not currency market movements.
Watch for rate differences between exchange houses and digital providers
Saudi exchange houses are convenient and widely trusted, but digital providers now match their rates while delivering faster to Indian bank accounts. A quick comparison between Al Rajhi rates and Wise or Remitly rates often reveals SAR 10–30 in savings per SAR 1,000 transfer.
For recurring transfers, it is worth checking live quotes each time rather than relying on one provider by habit.
Which provider suits each SAR→INR transfer?
Wise currently leads on both cost and speed for Saudi Arabia to India.
Cheapest transfer
Wise
Delivers the most INR for your money
Fastest transfer
Wise
Delivers in Instant to 2 days
Bank transfer
Wise
Best rate for bank deposit to India
Recipient details: Saudi Arabia to India
Before sending from Saudi Arabia, confirm these details with your recipient in India: Full name, Bank account number, IFSC code, Bank name & branch.
Receiving requirements and examples for IndiaTransfer examples: SAR to INR
Send ﷼500
| Provider | Fee | Rate | Receives | Speed |
|---|---|---|---|---|
| Wise25.61 · Instant to 2 days | Free | 25.61 | ₹12,804 | Instant to 2 days |
| HDFC Bank24.75 · 1-2 business days | Free | 24.75 | ₹12,375 | 1-2 business days |
| Regency FX25.44 · Same day may be available; confirm your route | Free | 25.44 | ₹12,722 | Same day may be available; confirm your route |
Send ﷼1,000
| Provider | Fee | Rate | Receives | Speed |
|---|---|---|---|---|
| Wise25.61 · Instant to 2 days | Free | 25.61 | ₹25,609 | Instant to 2 days |
| HDFC Bank24.75 · 1-2 business days | Free | 24.75 | ₹24,750 | 1-2 business days |
| Regency FX25.44 · Same day may be available; confirm your route | Free | 25.44 | ₹25,445 | Same day may be available; confirm your route |
Send ﷼5,000
| Provider | Fee | Rate | Receives | Speed |
|---|---|---|---|---|
| Wise25.61 · Instant to 2 days | Free | 25.61 | ₹128,044 | Instant to 2 days |
| HDFC Bank24.75 · 1-2 business days | Free | 24.75 | ₹123,748 | 1-2 business days |
| Regency FX25.44 · Same day may be available; confirm your route | Free | 25.44 | ₹127,223 | Same day may be available; confirm your route |
How much does it cost to send money from Saudi Arabia to India?
Fees range from SAR 0 (Wise, TapTap Send) to SAR 15–25 for bank wire transfers. Exchange houses like Al Rajhi may charge SAR 10–15 per transfer. The real cost difference between providers lies in the exchange rate — a 1% difference on SAR 3,000 translates to roughly ₹2,200 less for your recipient.
A steady pair: just 4.4 points apart; today's "great" is typical. Best payout day Wise (20 May 2026), worst Wise (8 April 2026).
How long does it take to send money to India?
IMPS and UPI-enabled transfers to India arrive within minutes. Standard bank deposits take 1–2 business days. Cash pickup through Western Union and MoneyGram is available same-day at partner locations across India.
Provider-stated speeds for India, not our measurement.
- WiseInstant to 2 days
- HDFC Bank1-2 business days
- Regency FXSame day may be available; confirm your route
Only one provider here
SendScoreBest rate +0.60% vs the 30-day average, near the 90-day high. Rates are improving — +0.20% week on week. One provider only, so no comparison.
- 40%near the 90-day high
- 25%+0.60% vs the 30-day average
- 15%improving — +0.20% week on week
SAR→INR: 190 days of our recorded provider rates
SAR to INR Exchange Rate History
Per 100 SAR sent, 190 days.
| Date | Wise | __mid Market__ |
|---|---|---|
| Trend | ||
| Oct 3 | 25.6093 | 25.6503✓ |
| Oct 2 | 25.6093 | 25.6761✓ |
| Oct 1 | 25.6481✓ | 25.6481✓ |
| Sep 30 | 25.5625 | 25.5906✓ |
| Sep 29 | 25.5529 | 25.6221✓ |
| Sep 28 | 25.5626 | 25.5882✓ |
| Sep 27 | 25.5157 | 25.5387✓ |
| Sep 26 | 25.5112 | 25.5367✓ |
| Sep 25 | 25.5112 | 25.5828✓ |
| Sep 24 | 25.5570✓ | 25.5570✓ |
| Sep 23 | 25.5132✓ | 25.5132✓ |
| Sep 22 | 25.4609 | 25.5350✓ |
| Sep 21 | 25.4974 | 25.5408✓ |
| Sep 20 | 25.5591 | 25.5872✓ |
| Sep 19 | 25.5470 | 25.6008✓ |
| Sep 18 | 25.5464✓ | 25.5464✓ |
| Sep 17 | 25.5041 | 25.5603✓ |
| Sep 16 | 25.5705✓ | 25.5705✓ |
| Sep 15 | 25.5594✓ | 25.5594✓ |
| Sep 14 | 25.5038 | 25.5140✓ |
| Sep 13 | 25.4465 | 25.4873✓ |
| Sep 12 | 25.4471 | 25.4930✓ |
| Sep 11 | 25.4511 | 25.5277✓ |
| Sep 10 | 25.4888✓ | 25.4888✓ |
| Sep 9 | 25.3395✓ | 25.3395✓ |
| Sep 8 | 25.2615✓ | 25.2615✓ |
| Sep 7 | 25.1717 | 25.1893✓ |
| Sep 6 | 25.1677 | 25.1979✓ |
| Sep 5 | 25.1445 | 25.2151✓ |
| Sep 4 | 25.1869 | 25.2222✓ |
| Sep 3 | 25.1551 | 25.1752✓ |
| Sep 2 | 25.1654 | 25.1855✓ |
| Sep 1 | 25.4587 | 25.4893✓ |
| Aug 31 | 25.4587 | 25.4893✓ |
| Aug 30 | 25.4664✓ | 25.4664✓ |
| Aug 29 | 25.4664✓ | 25.4664✓ |
| Aug 28 | 25.4025 | 25.4381✓ |
| Aug 27 | 25.4288 | 25.4594✓ |
| Aug 26 | 25.3689 | 25.3968✓ |
| Aug 25 | 25.5117 | 25.5347✓ |
| Aug 24 | 25.4862 | 25.4913✓ |
| Aug 23 | 25.4783 | 25.5191✓ |
| Aug 22 | 25.4783 | 25.5191✓ |
| Aug 21 | 25.5120 | 25.5375✓ |
| Aug 20 | 25.4581 | 25.4836✓ |
| Aug 19 | 25.5077 | 25.5358✓ |
| Aug 18 | 25.5149 | 25.5456✓ |
| Aug 17 | 25.4880 | 25.5365✓ |
| Aug 16 | 25.4630 | 25.4732✓ |
| Aug 15 | 25.4630 | 25.4936✓ |
| Aug 14 | 25.4117 | 25.4473✓ |
| Aug 13 | 25.4233 | 25.4335✓ |
| Aug 12 | 25.3464 | 25.4533✓ |
| Aug 11 | 25.3464 | 25.4431✓ |
| Aug 10 | 25.3464 | 25.3718✓ |
| Aug 9 | 25.3464 | 25.3946✓ |
| Aug 8 | 25.3464 | 25.3667✓ |
| Aug 7 | 25.3464 | 25.4354✓ |
| Aug 6 | 25.3464 | 25.3515✓ |
| Aug 5 | 25.3464✓ | 25.3464✓ |
| Aug 4 | 25.3464 | 25.4405✓ |
| Aug 3 | 25.3464 | 25.3769✓ |
| Aug 2 | 25.3464 | 25.4533✓ |
| Aug 1 | 25.3464 | 25.4456✓ |
| Jul 31 | 25.3464 | 25.4610✓ |
| Jul 30 | 25.3464 | 25.5071✓ |
| Jul 29 | 25.3464 | 25.5174✓ |
| Jul 28 | 25.3464 | 25.5328✓ |
| Jul 27 | 25.3464 | 25.6517✓ |
| Jul 26 | 25.3464 | 25.7428✓ |
| Jul 25 | 25.3464 | 25.7324✓ |
| Jul 24 | 25.3464 | 25.8084✓ |
| Jul 23 | 25.3464 | 25.7402✓ |
| Jul 22 | 25.3464 | 25.6907✓ |
| Jul 21 | 25.3464 | 25.7193✓ |
| Jul 20 | 25.3464 | 25.7089✓ |
| Jul 19 | 25.3464 | 25.7037✓ |
| Jul 18 | 25.3464 | 25.7743✓ |
| Jul 17 | 25.3464 | 25.7011✓ |
| Jul 16 | 25.3464 | 25.6933✓ |
| Jul 15 | 25.3464 | 25.6646✓ |
| Jul 14 | 25.3464 | 25.5560✓ |
| Jul 13 | 25.3464 | 25.5071✓ |
| Jul 12 | 25.3464 | 25.4635✓ |
| Jul 11 | 25.3464 | 25.4738✓ |
| Jul 10 | 25.3464 | 25.4227✓ |
| Jul 9 | 25.3464 | 25.4661✓ |
| Jul 8 | 25.3464 | 25.3794✓ |
| Jul 7 | 25.3464 | 25.4252✓ |
| Jul 6 | 25.3464 | 25.4074✓ |
| Jul 5 | 25.3464 | 25.4405✓ |
| Jul 4 | 25.3464 | 25.4661✓ |
| Jul 3 | 25.3464 | 25.3870✓ |
| Jul 2 | 25.3531 | 25.3912✓ |
| Jul 1 | 25.1651 | 25.2763✓ |
| Jun 30 | 25.1980 | 25.2840✓ |
| Jun 29 | 25.1325 | 25.2005✓ |
| Jun 28 | 25.1325 | 25.2005✓ |
| Jun 27 | 25.1325 | 25.1753✓ |
| Jun 26 | 25.1978 | 25.2255✓ |
| Jun 25 | 25.1213 | 25.1817✓ |
| Jun 24 | 25.2758 | 25.3544✓ |
| Jun 23 | 25.1910 | 25.2846✓ |
| Jun 22 | 25.1532 | 25.1859✓ |
| Jun 21 | 25.1402 | 25.1729✓ |
| Jun 20 | 25.1402 | 25.1679✓ |
| Jun 19 | 25.1439 | 25.1665✓ |
| Jun 18 | 25.2768✓ | 25.2768✓ |
| Jun 17 | 25.3043 | 25.3372✓ |
| Jun 16 | 25.3043 | 25.3372✓ |
| Jun 15 | 25.3043 | 25.3372✓ |
| Jun 14 | 25.3697 | 25.3824✓ |
| Jun 13 | 25.3697 | 25.3824✓ |
| Jun 12 | 25.3697 | 25.4946✓ |
| Jun 11 | 25.4203 | 25.5506✓ |
| Jun 10 | 25.4203 | 25.5506✓ |
| Jun 9 | 25.4533 | 25.5094✓ |
| Jun 8 | 25.3808 | 25.4521✓ |
| Jun 7 | 25.3965✓ | 25.3965✓ |
| Jun 6 | 25.3965✓ | 25.3965✓ |
| Jun 5 | 25.5023 | 25.5304✓ |
| Jun 4 | 25.5408 | 25.6254✓ |
| Jun 3 | 25.4300 | 25.4963✓ |
| Jun 2 | 25.3791 | 25.4785✓ |
| Jun 1 | 25.3517 | 25.3568✓ |
| May 31 | 25.3054 | 25.3257✓ |
| May 30 | 25.3054 | 25.3257✓ |
| May 29 | 25.5350 | 25.6376✓ |
| May 28 | 25.5490 | 25.6439✓ |
| May 27 | 25.5331 | 25.6666✓ |
| May 26 | 25.3971 | 25.4022✓ |
| May 25 | 25.4757 | 25.5293✓ |
| May 24 | 25.4845 | 25.5279✓ |
| May 23 | 25.4845 | 25.5202✓ |
| May 22 | 25.6345 | 25.6679✓ |
| May 21 | 25.6472 | 25.8358✓ |
| May 20 | 25.7618 | 25.7850✓ |
| May 19 | 25.6959✓ | 25.6959✓ |
| May 18 | 25.5763 | 25.5917✓ |
| May 17 | 25.5820 | 25.6153✓ |
| May 16 | 25.5820 | 25.5974✓ |
| May 15 | 25.5203 | 25.5586✓ |
| May 14 | 25.5203✓ | 25.5203✓ |
| May 13 | 25.4877✓ | 25.4877✓ |
| May 12 | 25.4078 | 25.4638✓ |
| May 11 | 25.1746 | 25.2149✓ |
| May 10 | 25.1743 | 25.1919✓ |
| May 9 | 25.1743 | 25.1869✓ |
| May 8 | 25.1300 | 25.1879✓ |
| May 7 | 25.2213✓ | 25.2213✓ |
| May 6 | 25.3271 | 25.3474✓ |
| May 5 | 25.3822 | 25.3873✓ |
| May 4 | 25.2680 | 25.2832✓ |
| May 3 | 25.2720 | 25.2973✓ |
| May 2 | 25.2720 | 25.2948✓ |
| May 1 | 25.3060✓ | 25.3060✓ |
| Apr 30 | 25.3222✓ | 25.3222✓ |
| Apr 29 | 25.2250 | 25.2300✓ |
| Apr 28 | 25.1192 | 25.1368✓ |
| Apr 27 | 25.1083✓ | 25.1083✓ |
| Apr 26 | 25.0843 | 25.0994✓ |
| Apr 25 | 25.0843 | 25.0943✓ |
| Apr 24 | 25.1257 | 25.1282✓ |
| Apr 23 | 25.0354✓ | 25.0354✓ |
| Apr 22 | 24.9584 | 24.9609✓ |
| Apr 21 | 24.8122 | 24.8246✓ |
| Apr 20 | 24.7133 | 24.7182✓ |
| Apr 19 | 24.6869 | 24.7240✓ |
| Apr 18 | 24.6869 | 24.7215✓ |
| Apr 17 | 24.7885 | 24.7984✓ |
| Apr 16 | 24.8712 | 24.8861✓ |
| Apr 15 | 24.8152 | 24.8301✓ |
| Apr 14 | 24.8429 | 24.8802✓ |
| Apr 13 | 24.8214 | 25.1152✓ |
| Apr 12 | 24.8063✓ | 24.8063✓ |
| Apr 11 | 24.8063✓ | 24.8063✓ |
| Apr 10 | 24.6736 | 24.6835✓ |
| Apr 9 | 24.6720 | 24.6843✓ |
| Apr 8 | 24.6515 | 24.6811✓ |
| Apr 7 | 24.7416 | 24.7738✓ |
| Apr 6 | 24.7859✓ | 24.7859✓ |
| Apr 5 | 24.6911 | 24.7629✓ |
| Apr 4 | 24.6911 | 24.7307✓ |
| Apr 3 | 24.6911 | 24.7778✓ |
| Apr 2 | 24.7715✓ | 24.7715✓ |
| Apr 1 | 24.7337 | 24.9231✓ |
| Mar 31 | 24.9448 | 25.1232✓ |
| Mar 30 | 25.1483✓ | 25.1483✓ |
| Mar 29 | 25.2461 | 25.2764✓ |
| Mar 28 | 25.2339✓ | 25.2339✓ |
Frequently asked questions
Common questions about sending money from Saudi Arabia to India
What is the cheapest way to send money from Saudi Arabia to India?
Wise ranks first of 2 for 3,000 SAR → INR: 76,826.52 INR estimated. 2,577.82 INR separates first from last. Wise provides the mid-market rate with transparent fees. TapTap Send charges zero fees. Compare all providers on the day you send for the best rate.
How long does it take to transfer money from Saudi Arabia to India?
IMPS and UPI transfers arrive within minutes. Bank deposits typically take 1–2 business days. Cash pickup is available within minutes through Western Union and MoneyGram locations across India.
Is Al Rajhi Bank good for sending money to India?
Al Rajhi Bank is convenient with widespread branches in Saudi Arabia, but their exchange rate markup is typically higher than specialist online providers. Compare Al Rajhi's total INR delivered against Wise and Remitly before sending.
Can I send money to India using STCPay?
STCPay, the mobile wallet linked to STC, supports international transfers to India. Rates are competitive for smaller amounts. Compare STCPay against other providers to find the best deal for your transfer size.
Are there limits on remittances from Saudi Arabia?
Saudi Arabia requires Iqama (residence permit) holders to verify their identity for transfers. Most providers allow up to SAR 20,000–50,000 per transaction. Annual limits may apply based on your employment contract and salary certificate.