Asian currencies remain under pressure, giving UAE expatriates stronger remittance value per dirham.

 Current Exchange Rates (February 13, 2026)

• Indian Rupee (INR): 24.60 per AED
• Pakistani Rupee (PKR): 76.67 per AED
• Philippine Peso (PHP): 15.73 per AED

The UAE dirham remains pegged to the US dollar at 3.6725 AED per USD, meaning dollar strength directly enhances AED remittance power.

1. Indian Rupee - Near Historic Weakness

Recent low touched: ₹24.98 per AED

Current: 24.60 per AED

 Remittance Advantage Example

AED 10,000 → ₹246,000
At ₹23.00 → ₹230,000

Difference = ₹16,000 extra

That’s nearly 7% higher remittance value compared to stronger INR phases.

Why INR is Weak

• Strong US dollar
• Oil import dependency (India imports ~85% of crude needs)
• Capital outflows amid global volatility
• US bond yields elevated above 4%

India inflation remains around 5–6%, limiting RBI flexibility.

2. Pakistani Rupee - Structural Pressure Continues

Current: 76.67 per AED

Pakistan faces:

• IMF restructuring
• FX reserves around $9–10 billion
• External debt servicing pressure

AED 5,000 → PKR 383,350

Long-term depreciation trend remains intact.

3. Philippine Peso - Volatility Cycle

Current: 15.73 per AED

Recent range: 15.87–16.13

Drivers:

• GDP slowing toward ~5%
• Political uncertainty
• US rate sensitivity
• Inflation volatility

AED 8,000 → PHP 125,840

Peso remains in one of its more turbulent phases since 2022.

4. Macro Drivers Supporting Dirham Strength

• US CPI expected around 2.5% YoY
• January jobs added: 130,000
• Unemployment: 4.3%

Strong labor data reduces immediate Fed rate-cut probability — supporting dollar strength.

5. Historical Currency Trend Comparison

Clear long-term depreciation against AED.

6. Remittance Strategy Options

 Split Transfer (Most Balanced)

Send 50% now
Hold 50% for volatility

Reduces regret risk.

Full Transfer Now

Suitable if:

• Immediate obligations
• Rates near historical lows
• Dollar expected to stay strong

 Wait for Further Weakness

Risk factors:

• Fed pivot
• Oil price drop
• Emerging market inflows

Currencies can swing 2–5% quickly.

7. UAE Remittance Context

• UAE remits over $90+ billion annually
• India receives $110+ billion globally, highest worldwide

Even a 3–5% exchange difference matters at scale.

 Outlook

Short-term bias:

• Dollar supported
• Fed cautious
• Asian currencies vulnerable

Unless major Fed policy shift occurs, dirham likely remains firm.