UAE → India (HDFC Bank)
Send Money to HDFC Bank from UAE (2026 Guide)
HDFC Bank is India's largest private sector bank with over 8,000 branches and 68 million customers. For Indian expats in the UAE, sending money directly to an HDFC Bank account is straightforward — all major remittance providers support it. This guide covers SWIFT codes, delivery methods (IMPS/NEFT/RTGS), and which UAE providers offer the best AED to INR rates for HDFC.
HDFC Bank SWIFT Code
HDFCINBB — Use this 8-character SWIFT/BIC code when your provider asks for it. For specific branch transfers, the full 11-character code is HDFCINBBXXX (replace XXX with the branch code).
Quick answer
Best for HDFC Bank from UAE: Wise (best exchange rate), Remitly (fast with good rates), Al Ansari Exchange (cash option). All support IMPS instant delivery to HDFC. You need the HDFC account number + IFSC code (not SWIFT for IMPS/NEFT).
Which UAE Providers Support HDFC Bank?
| Provider | Supports Direct Deposit | Delivery Time | Notes |
|---|---|---|---|
| Wise | Yes | Within minutes (IMPS) | Best mid-market rate, low fees |
| Remitly | Yes | Minutes (Express) | Competitive rates, popular with Indian expats |
| WorldRemit | Yes | Within minutes | Good for smaller amounts |
| Al Ansari Exchange | Yes | Same day / next day | Cash pickup also available |
| Western Union | Yes | 1–2 business days | Higher fees, wide network |
HDFC Bank Transfer Methods
Immediate Payment Service — Recommended
Available 24/7 including weekends and holidays. Transfers reach HDFC accounts within minutes. Used by Wise, Remitly, and WorldRemit for retail transfers. Requires account number + IFSC code.
National Electronic Funds Transfer
Processed in batches during HDFC banking hours (8am–7pm on working days). Takes 2–4 hours. Some providers use NEFT for larger amounts.
Real-Time Gross Settlement — Large Amounts
For transfers of ₹2 lakh (approx. AED 8,800) and above. Settles in real time within 30 minutes during banking hours. Used by banks for high-value transfers.
International Wire (SWIFT HDFCINBB)
Used for bank-to-bank international wires. Slower (1–3 business days) and usually carries correspondent bank fees. Most retail remittance apps bypass SWIFT and use IMPS instead for faster, cheaper transfers.
HDFC Bank NRI Accounts
HDFC Bank offers dedicated NRI (Non-Resident Indian) account products that Indian expats in UAE can open:
- NRE Account (Non-Resident External): Fully repatriable, tax-free interest in India. Best for sending UAE salary savings home.
- NRO Account (Non-Resident Ordinary): For income earned in India (rent, dividends). Limited repatriability. Taxable in India.
- FCNR Account: Fixed deposit in foreign currency (USD, GBP, EUR, AED). Protects against INR depreciation.
Frequently Asked Questions
Can I send money from UAE to HDFC Bank?
Yes. Wise, Remitly, WorldRemit, and Al Ansari Exchange all support direct bank deposit to HDFC Bank India. You need the recipient's HDFC account number and IFSC code. SWIFT transfers use code HDFCINBB.
What is HDFC Bank SWIFT code?
HDFC Bank's SWIFT/BIC code is HDFCINBB. For transfers to specific branches, the 11-character code may include a branch suffix (e.g., HDFCINBBXXX for the head office). Your provider usually only requires the 8-character base code.
How long does a transfer to HDFC Bank take from UAE?
IMPS transfers reach HDFC Bank accounts within minutes (24/7). NEFT takes 2–4 hours during banking hours. RTGS is for large amounts (₹2 lakh+) and settles in under 30 minutes. Most UAE remittance apps use IMPS for retail transfers.
Compare AED to INR rates now
Live rates from providers supporting direct deposit to HDFC Bank. No paid rankings.
Compare AED to INR →Rates are indicative. Verify with provider before sending. remit.ae is an independent comparison platform operated by Stack Jewels LLC. We do not transfer money or hold funds. SWIFT codes and banking information are provided for reference — always verify with your provider or HDFC Bank directly before initiating a transfer.