Banking, wealth, forex & trade services

SBI Middle East Inward Remittances

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

Published remittance methodsInstant Transfer, SBI Rupee Flash, SBI Express Rupee, SWIFT MT103 wire transfer and demand draft Instant Transfer origin offices listedAustralia, Bahrain, Belgium, Canada, China, France, Hong Kong, Israel, Japan, Maldives, Mauritius, Nepal, Oman, Singapore, South Africa and UK 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 banks

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✓ Manually checked 11 Aug 2026 · active

Offered byState Bank of India

Middle 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 contacts

Key facts

What the official sources publish

Every value below belongs to this exact product. Select a source marker to check its context.

Published remittance methodsInstant Transfer, SBI Rupee Flash, SBI Express Rupee, SWIFT MT103 wire transfer and demand draft

Source 1

Instant Transfer origin offices listedAustralia, Bahrain, Belgium, Canada, China, France, Hong Kong, Israel, Japan, Maldives, Mauritius, Nepal, Oman, Singapore, South Africa and UK

Source 2

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 banks

Source 3

Foreign-office account requirementMay be available to people who are not account holders of the originating SBI foreign branch at certain centres

Source 4

Instant Transfer chargesVary by originating branch and country; some foreign branches offer concessions to their account holders

Source 5

SBI Express partner countriesBahrain, Kuwait, Oman, Qatar, Saudi Arabia and United Arab Emirates

Source 6

Normal SBI Express timingSBI Rupee Flash: instant credit; SBI Express Rupee: within 30 minutes

Source 7

Partner-product availabilityNot every listed exchange house or bank offers every SBI Express product; availability must be confirmed with the selected partner

Source 8

SWIFT coverageInbound SWIFT MT103 remittance from an overseas bank anywhere in the world to an eligible beneficiary account in India

Source 9

SWIFT beneficiary credit timingSBI beneficiary: within one business day of message receipt; other-bank beneficiary: through NEFT/RTGS within two business days

Source 10

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 none

Source 11

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 details

Source 12

SBI India currency-conversion charge₹25 plus applicable tax for conversion of foreign currency into Indian rupees

Source 13

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 charges

Source 14

Benefits and features

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

Eligibility

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.
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.

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

Field-level evidence

Where each fact came from

Short context only; open the official page or document for the complete terms.

Published remittance methods

high confidence

The current page presents the four delivery tabs and names the two SBI Express service levels within that regional service.

Source: SBI Remittances from Middle East
Page / section: Instant Transfer, SBI Express, SWIFT / Wire Transfer and Draft tabs
Accessed: 11 Aug 2026

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Instant Transfer origin offices listed

high confidence

SBI's Instant Transfer tab prints these 16 origin offices even though the catalogue page is grouped under Middle East remittances.

Source: SBI Remittances from Middle East
Page / section: Instant Transfer
Accessed: 11 Aug 2026

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Instant Transfer destination reach

high confidence

The current Instant Transfer description publishes the real-time claim and the two destination-network counts.

Source: SBI Remittances from Middle East
Page / section: Instant Transfer
Accessed: 11 Aug 2026

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Foreign-office account requirement

high confidence

SBI says non-account-holder availability exists only at certain centres, so it is not treated as universal.

Source: SBI Remittances from Middle East
Page / section: Instant Transfer
Accessed: 11 Aug 2026

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Instant Transfer charges

high confidence

The page does not publish one universal amount and directs customers to the relevant country branch for its current schedule.

Source: SBI Remittances from Middle East
Page / section: Instant Transfer
Accessed: 11 Aug 2026

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SBI Express partner countries

high confidence

The SBI Express tab identifies these countries for transfers through associated exchange houses or banks.

Source: SBI Remittances from Middle East
Page / section: SBI Express
Accessed: 11 Aug 2026

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Normal SBI Express timing

high confidence

The page's service table publishes instant credit for Rupee Flash and a normal time of within 30 minutes for Express Rupee.

Source: SBI Remittances from Middle East
Page / section: SBI Express — Service / Normal Time Taken
Accessed: 11 Aug 2026

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Partner-product availability

high confidence

SBI explicitly warns that the listed companies do not all offer all listed products.

Source: SBI Remittances from Middle East
Page / section: SBI Express
Accessed: 11 Aug 2026

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SWIFT coverage

high confidence

SBI describes the MT103 route as accepting remittances from overseas banks worldwide for destinations across India.

Source: SBI Remittances from Middle East
Page / section: SWIFT / Wire Transfer
Accessed: 11 Aug 2026

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SWIFT beneficiary credit timing

high confidence

The SWIFT tab publishes separate normal credit windows for SBI and other-bank beneficiaries.

Source: SBI Remittances from Middle East
Page / section: SWIFT / Wire Transfer
Accessed: 11 Aug 2026

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SWIFT routing-code rule

high confidence

SBI publishes a USD 10,000-equivalent split between its central FX code and branch/link-branch routing.

Source: SBI Remittances from Middle East
Page / section: SWIFT / Wire Transfer — remitter information
Accessed: 11 Aug 2026

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SWIFT instruction data

high confidence

The page lists the beneficiary, remitter, purpose and intermediary-bank fields to put in the SWIFT instruction and says not to decorate the 11-digit account number with SWIFT or IFSC text.

Source: SBI Remittances from Middle East
Page / section: SWIFT / Wire Transfer — remitter information
Accessed: 11 Aug 2026

Open official source ↗

SBI India currency-conversion charge

high confidence

The SWIFT tab prints the SBI India conversion charge and says the applicable conversion tax is additional.

Source: SBI Remittances from Middle East
Page / section: SWIFT / Wire Transfer
Accessed: 11 Aug 2026

Open official source ↗

Demand-draft collection

high confidence

The Draft tab describes collection rather than an instant service and does not publish one fixed exchange rate or collection charge.

Source: SBI Remittances from Middle East
Page / section: Draft
Accessed: 11 Aug 2026

Open official source ↗

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