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Middle East Inward Remittances

A regional inward-remittance service offering Instant Transfer, Express partner routes, /wire transfer and demand-draft collection for credit to or other Indian-bank accounts.

Service typeRemittance serviceFeesSBI publishes ₹25 plus applicable tax for conversion of foreign currency into Indian rupees. Instant Transfer charges vary by originating country/branch; draft collection charges follow the current schedule.EligibilityAvailability, sender onboarding, exchange rate, charges, limits and required evidence depend on the originating SBI office, partner bank or exchange house and the selected method.; SBI Express products are partner-specific; a listed partner does not necessarily offer every service level.; SWIFT instructions must use the correct threshold-based SBI routing code and exact beneficiary details; intermediary and overseas-bank charges may also apply.
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Quick eligibility check

Middle East Inward Remittances

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Answer what you know. This guide compares your answers with the criteria published for this product; it is not an approval decision. Your answers stay on this device.

1Do you meet this requirement: Availability, sender onboarding, exchange rate, charges, limits and required evidence depend on the originating SBI office, partner bank or exchange house and the selected method?

Published source: Eligibility

2Do you meet this requirement: SBI Express products are partner-specific?

Published source: Eligibility

3Do you meet this requirement: a listed partner does not necessarily offer every service level?

Published source: Eligibility

4Do you meet this requirement: SWIFT instructions must use the correct threshold-based SBI routing code and exact beneficiary details?

Published source: Eligibility

5Do you meet this requirement: intermediary and overseas-bank charges may also apply?

Published source: Eligibility
0 of 5 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 11 Aug 2026 · active
Offered byState Bank of India

Middle East routes vary by office, partner bank or exchange house; the page lists Bahrain, Kuwait, Oman, Qatar, Saudi Arabia and for Express and Bahrain, Israel and Oman office contacts

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

Published remittance methodsInstant Transfer, SBI Rupee Flash, SBI Express Rupee, SWIFT MT103 wire transfer and demand draftView source
The current page presents the four delivery tabs and names the two Express service levels within that regional service.
Source
Remittances from Middle East
Page / section
Instant Transfer, Express, / Wire Transfer and Draft tabs
Accessed
11 Aug 2026
Confidence
high
Open official source ↗
Instant Transfer origin offices listedAustralia, Bahrain, Belgium, Canada, China, France, Hong Kong, Israel, Japan, Maldives, Mauritius, Nepal, Oman, Singapore, South Africa and UKView source
Instant Transfer tab prints these 16 origin offices even though the catalogue page is grouped under Middle East remittances.
Source
Remittances from Middle East
Page / section
Instant Transfer
Accessed
11 Aug 2026
Confidence
high
Open official source ↗
Instant Transfer destination reachReal-time rupee remittance to more than 22,000 SBI core-banking branches and more than 65,000 NEFT/RTGS-enabled branches of other Indian banksView source
The current Instant Transfer description publishes the real-time claim and the two destination-network counts.
Source
Remittances from Middle East
Page / section
Instant Transfer
Accessed
11 Aug 2026
Confidence
high
Open official source ↗
Foreign-office account requirementMay be available to people who are not account holders of the originating SBI foreign branch at certain centresView source
says non-account-holder availability exists only at certain centres, so it is not treated as universal.
Source
Remittances from Middle East
Page / section
Instant Transfer
Accessed
11 Aug 2026
Confidence
high
Open official source ↗
Instant Transfer chargesVary by originating branch and country; some foreign branches offer concessions to their account holdersView source
The page does not publish one universal amount and directs customers to the relevant country branch for its current schedule.
Source
Remittances from Middle East
Page / section
Instant Transfer
Accessed
11 Aug 2026
Confidence
high
Open official source ↗
SBI Express partner countriesBahrain, Kuwait, Oman, Qatar, Saudi Arabia and United Arab EmiratesView source
The Express tab identifies these countries for transfers through associated exchange houses or banks.
Source
Remittances from Middle East
Page / section
Express
Accessed
11 Aug 2026
Confidence
high
Open official source ↗
Normal SBI Express timingSBI Rupee Flash: instant credit; SBI Express Rupee: within 30 minutesView source
The page's service table publishes instant credit for Rupee Flash and a normal time of within 30 minutes for Express Rupee.
Source
Remittances from Middle East
Page / section
Express — Service / Normal Time Taken
Accessed
11 Aug 2026
Confidence
high
Open official source ↗
Partner-product availabilityNot every listed exchange house or bank offers every SBI Express product; availability must be confirmed with the selected partnerView source
explicitly warns that the listed companies do not all offer all listed products.
Source
Remittances from Middle East
Page / section
Express
Accessed
11 Aug 2026
Confidence
high
Open official source ↗
SWIFT coverageInbound SWIFT MT103 remittance from an overseas bank anywhere in the world to an eligible beneficiary account in IndiaView source
describes the MT103 route as accepting remittances from overseas banks worldwide for destinations across India.
Source
Remittances from Middle East
Page / section
/ Wire Transfer
Accessed
11 Aug 2026
Confidence
high
Open official source ↗
SWIFT beneficiary credit timingSBI beneficiary: within one business day of message receipt; other-bank beneficiary: through NEFT/RTGS within two business daysView source
The tab publishes separate normal credit windows for and other-bank beneficiaries.
Source
Remittances from Middle East
Page / section
/ Wire Transfer
Accessed
11 Aug 2026
Confidence
high
Open official source ↗
SWIFT routing-code ruleUp to USD 10,000 equivalent: SBININBBFXD; above USD 10,000 equivalent: beneficiary home-branch SWIFT code, or a link/nearby SBI SWIFT-enabled branch when the home branch has noneView source
publishes a USD 10,000-equivalent split between its central code and branch/link-branch routing.
Source
Remittances from Middle East
Page / section
/ Wire Transfer — remitter information
Accessed
11 Aug 2026
Confidence
high
Open official source ↗
SWIFT instruction dataBeneficiary 11-digit account number, full name and address, SBI branch code/IFSC; or other-bank account, bank, branch and IFSC; plus remitter name, address and account, remittance purpose and any correspondent-bank detailsView source
The page lists the beneficiary, remitter, purpose and intermediary-bank fields to put in the instruction and says not to decorate the 11-digit account number with or text.
Source
Remittances from Middle East
Page / section
/ Wire Transfer — remitter information
Accessed
11 Aug 2026
Confidence
high
Open official source ↗
SBI India currency-conversion charge₹25 plus applicable tax for conversion of foreign currency into Indian rupeesView source
The tab prints the India conversion charge and says the applicable conversion tax is additional.
Source
Remittances from Middle East
Page / section
/ Wire Transfer
Accessed
11 Aug 2026
Confidence
high
Open official source ↗
Demand-draft collectionBeneficiary deposits the draft at the Indian account branch; it is sent to the payable branch and credited after collection, using the prevailing conversion rate on the conversion date and then-current collection chargesView source
The Draft tab describes collection rather than an instant service and does not publish one fixed exchange rate or collection charge.
Source
Remittances from Middle East
Page / section
Draft
Accessed
11 Aug 2026
Confidence
high
Open official source ↗
FeesSBI publishes ₹25 plus applicable tax for conversion of foreign currency into Indian rupees. Instant Transfer charges vary by originating country/branch; draft collection charges follow the current schedule.View source
The page states ₹25 plus applicable tax for conversion and says Instant Transfer charges vary by branch/country.
Source
Remittances from Middle East
Page / section
Express, and collection charges
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
ChannelsSBI Rupee Flash and SBI Express Rupee through listed exchange houses/banks; SBI Express Remit/OnlineSBI Global; inbound SWIFT MT103; and demand draft routes.View source
The page lists the Middle East-specific exchange-house and routes.
Source
Remittances from Middle East
Page / section
Remittance methods and partner availability
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
AvailabilityMiddle East routes vary by SBI office, partner bank or exchange house; the page lists Bahrain, Kuwait, Oman, Qatar, Saudi Arabia and UAE for SBI Express and Bahrain, Israel and Oman SBI office contactsView source
The manually reviewed product record states: “Middle East routes vary by office, partner bank or exchange house; the page lists Bahrain, Kuwait, Oman, Qatar, Saudi Arabia and for Express and Bahrain, Israel and Oman office contacts”.
Source
Middle East Inward Remittances — official product page
Page / section
Published product metadata
Accessed
11 Aug 2026
Confidence
high
Open official source ↗
EligibilityAvailability, sender onboarding, exchange rate, charges, limits and required evidence depend on the originating SBI office, partner bank or exchange house and the selected method.; SBI Express products are partner-specific; a listed partner does not necessarily offer every service level.; SWIFT instructions must use the correct threshold-based SBI routing code and exact beneficiary details; intermediary and overseas-bank charges may also apply.View source
The manually reviewed product record states: “Availability, sender onboarding, exchange rate, charges, limits and required evidence depend on the originating office, partner bank or exchange house and the selected method.; Express products are partner-specific; a listed partner does not necessarily offer every service level.; instructions must use the correct threshold-based routing code and exact beneficiary details; intermediary and overseas-bank charges may also apply.”.
Source
Middle East Inward Remittances — official product page
Page / section
Published product metadata
Accessed
11 Aug 2026
Confidence
high
Open official source ↗
Customer typePeople sending money from Middle East exchange houses, banks or SBI foreign offices to beneficiaries in IndiaView source
The manually reviewed product record states: “People sending money from Middle East exchange houses, banks or foreign offices to beneficiaries in India”.
Source
Middle East Inward Remittances — official product page
Page / section
Published product metadata
Accessed
11 Aug 2026
Confidence
high
Open official source ↗
Service typeRemittance serviceView source
The manually reviewed product record states: “ Middle East Inward Remittances”.
Source
Middle East Inward Remittances — official product page
Page / section
Published product metadata
Accessed
11 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • Multiple inward-remittance methods from one regional service
  • Fast partner and foreign-office routes plus worldwide fallback
  • Credit to accounts and supported other-bank accounts in India

Eligibility

  • Availability, sender onboarding, exchange rate, charges, limits and required evidence depend on the originating office, partner bank or exchange house and the selected method.
  • Express products are partner-specific; a listed partner does not necessarily offer every service level.
  • instructions must use the correct threshold-based routing code and exact beneficiary details; intermediary and overseas-bank charges may also apply.

Passing a listed condition does not mean the bank will approve an application.

Related official documents

SBI Remittances from Middle Eastofficial-product-page · current · accessed 29 Aug 2026
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