AED to PKR Today: UAE Dirham to Pakistani Rupee Rate- Dec. 29, 2025
- By Web Desk -
- Dec 29, 2025
UAE Dirham to Pakistani Rupee exchange rate plunged to a fresh three-month trough on Monday, 29 December 2025, with inter-bank quotes touching 76.30 PKR per AED at 7:52 pm Pakistan Standard Time (PST).
The 0.09-rupee single-day dip is the steepest since 18 November and brings cumulative losses in the Gulf currency to 1.02 rupees since mid-November, data compiled by Dubai-based Al-Fardan Exchange shows.
For Pakistan’s 1.6-million-strong diaspora in the Emirates, the slide translates into instant extra value on every dirham wired home—just as schools re-open and post-holiday utility bills arrive.
Key take-away: A labourer sending the UAE-regulated monthly minimum wage of 4,000 AED now pockets 305,200 Pakistani Rupee against 305,560 PKR yesterday—an effortless 360-rupee gain equal to a week’s groceries or two school uniforms in Karachi.
Below is a deep-dive into what triggered today’s AED sell-off, how long the weaker dirham may last, and practical hacks to squeeze even more rupees out of your next transfer.
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1. Why did AED/PKR drop today?
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Inter-bank traders and treasury desks cite a perfect storm of three short-term drivers:
1. Year-end PKR strength
Pakistan recorded a surprise $350 million portfolio inflow last week after MSCI signalled a potential upgrade in its frontier-market classification. The central bank’s foreign-exchange reserves jumped $287 million to $10.1 billion, boosting rupee confidence.
2. Profit-taking in the Gulf
Regional banks squared long-USD, long-AED books ahead of the 31 December balance-sheet deadline, creating artificial dirham supply in the local OTC market.
3. Mild global dollar weakness
The DXY dollar index slipped 0.15% after European Central Bank board member Isabel Schnabel hinted at a slower pace of rate cuts, trimming some of the greenback’s yield advantage.
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2. AED-PKR technical chart: what the numbers say
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Period (spot) | Rate (PKR) | Change vs prev. day
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Today 29 Dec | 76.30 | –0.09
28 Dec | 76.39 | –0.04
22 Dec (weekly high) | 76.50 | —
30-day average | 76.42 | —
2025 high (8 Jul) | 77.61 | —
2025 low (3 Jan) | 75.44 | —
YTD performance | — | +1.1% (still up 86 paisa)
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3. Real-world impact: extra rupees in your pocket
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Scenario A – white-collar professional (10,000 AED salary)
Yesterday: 10,000 × 76.39 = 763,900 PKR
Today: 10,000 × 76.30 = 763,000 PKR
Saving: 900 PKR—enough for a data plan plus Netflix subscription.
Scenario B – group of construction workers pooling 20,000 AED
Extra cash: 1,800 PKR, covering one month’s school van fee in Lahore.
Multiply that by the UAE-to-Pakistan remittance corridor that averages $730 million a month (SBP, Nov 2025) and Pakistani households stand to gain roughly 860 million PKR in aggregate for every single-day 10-paisa drop in the dirham.
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4. Will the dirham keep falling in 2026?
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Short-term consensus (Q1-2026)
Major money-changers including Al-Rostamani, Al Ansari and Pakistan’s largest bank-funded exchange company expect a 76.00–76.80 range barring an oil-price shock. Two catalysts to watch:
Bullish PKR case:
– Continued IMF quarterly reviews without slippage could attract another $1 billion in multilateral inflows.
– A successfully-rolled Eurobond in March may shave another 30–50 paisa off AED/PKR, opening the door to 75.80.
Bearish PKR case (AED rebound):
– If Brent crude rebounds above $85/bbl on OPEC+ supply discipline, petro-dollar flows into the UAE could lift AED back to 77.00–77.20 zone.
– Geo-political tension in the Strait of Hormuz traditionally triggers safe-haven demand for the dollar-pegged dirham.
Use aggregator apps like “RemitFinder” or “PKR Rates” that pull real-time feeds from 20+ UAE exchanges. Spreads between the cheapest and most expensive outlet routinely exceed 15 paisa—worth 150 PKR per 1,000 AED.
2. Book a forward rate
Some fintechs (Al Ansari “Rate-Lock”, NowMoney “Secure”) let you freeze today’s 76.30 for up to 7 days with a 5-AED fee—handy if you’re waiting for salary credit.
3. Time your transfer
Historical seasonality shows AED/PKR tends to soften between the 25th and 5th of each month due to corporate dirham outflows; mid-month is typically firmer.
4. Avoid airport kiosks
DXB Terminal 3 bought 1 AED at 74.80 this morning—1.5 rupees below inter-bank. Use metro-accessible branches in Deira or Bur Dubai for best rates.
Yes, at 3.6725 AED = 1 USD since 1997. AED therefore moves one-for-one with the greenback versus third currencies such as PKR.
Q2. Can the AED crash like the Turkish lira?
No. Because the UAE central bank holds >400 billion USD in reserves—among the world’s highest per capita—it can defend the peg indefinitely.
Q3. Where will AED/Pakistani Rupee be on Eid-ul-Fitr 2026 (expected 17 March)?
Bloomberg’s FX survey median is 76.05, with forecasts ranging 75.50–77.10. A move to 75.50 would add another 800 PKR to a 5,000-AED transfer.
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7. Bottom line
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Today’s 76.30 AED to Pakistani Rupee rate is the most lucrative for Pakistani expatriates since 9 September 2025. While the year-to-date dirham is still marginally stronger, the eight-week down-trend suggests further rupee gains are possible through January. If you need to send school fees, loan repayments or household support, locking in the current dip—even for a portion of your salary—beats gambling on tomorrow’s quote.