SBI in the UAE

State Bank of India (SBI) is India's largest public sector bank, with an extensive international network supporting NRIs and Overseas Citizens of India (OCIs) across the globe. The UAE is one of SBI's key overseas markets, given the size of the Indian expatriate community there, and the bank maintains a direct presence in both Dubai and Abu Dhabi.

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SBI UAE Branches and Offices

SBI operates through more than one type of presence in the UAE, offering both full banking services and representative support for NRIs. The UAE network consists of:

  • DIFC-licensed banking branch that conducts wholesale and corporate banking business, including deposits and credit facilities.
  • Representative office in Bur Dubai that largely assists NRIs with account related queries and onboarding support.
  • A Representative Office in Abu Dhabi for the NRIs & OCIs living in the capital and its suburbs.

Note: The representative offices in Bur Dubai and Abu Dhabi mainly support NRI servicing and liaison work, while core account opening and maintenance are routed through SBI's NRI-dedicated centres in India.

SBI Dubai Branch Address

This is SBI's licensed banking branch in the UAE, operating out of the Dubai International Financial Centre and primarily handling wholesale, corporate, and treasury banking activity.

Office Address 709-710, Level 7, Gate Precinct Building 3, Dubai International Financial Centre, Dubai, UAE, P.O. Box 482033
Working Hours Monday to Thursday and Saturday to Sunday: 9 AM to 6 PM
Phone Number +971 4 326 6675
Email sbidifc.ae@statebank.com

SBI Bur Dubai Address

This is a representative office that supports NRIs based in Dubai with account-related queries, onboarding assistance, and general liaison with SBI's NRI Centres in India.

Address Room No. 110, 1st Floor, The Business Center, Khalid Bin Walid Road (Bur Juman Metro Station Exit 4), Bur Dubai, UAE, P.O. Box 126959
Working Hours Monday to Thursday and Saturday to Sunday: 9 AM to 5:30 PM
Phone Number +971 4 353 7336
Email amops.dubai@statebank.com

SBI Abu Dhabi Address

This is a representative office and branch that serves NRIs and OCIs based in Abu Dhabi and surrounding areas, primarily focused on NRI services and wholesale business. Customers can open NRE/NRO accounts, seek investment advice, or process international remittances.

Office Address 6 Shariah Fatima Bint Mubarak, Al Danah, Zone 1, Abu Dhabi, United Arab Emirates
Working Hours Monday to Thursday and Saturday to Sunday: 9:30 AM to 4:00 PM
Phone Number +971 2 446 9488
Fax Number +971 2 446 9489
Email sbi.roabudhabi@statebank.com
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SBI NRI Services

NRIs in the UAE can get in touch with either representative office or use SBI's centralised NRI support channels to learn more about NRI account products and services.

  • NRI account opening for NRE, NRO and FCNR accounts can be initiated online through SBI's digital NRI account platform, without needing to visit a branch in person.
  • NRIs in the UAE can avail fixed deposits, remittance services to India and investment plans like mutual funds, demat accounts and Portfolio Investment Scheme (PIS).
  • NRIs’ accounts are held in India, so deposits are subject to Reserve Bank of India rules, not the banking rules of the UAE.
  • Account holders can easily transfer money from UAE to India securely with a competitive exchange rate.

Conclusion

SBI's branches and representative offices in Dubai and Abu Dhabi give NRIs in the UAE several ways to manage their banking and investment plans without depending entirely on in-person visits. NRIs in the UAE can stay connected to SBI’s services in India by doing most of these processes online, from opening a new account to reviewing investment options.

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FAQs

  • 1. Can NRIs in the UAE open an SBI NRI account?

    Yes. NRIs in UAE can apply through the digital NRI account opening platform of SBI or by contacting the representative office in Dubai or Abu Dhabi.
  • 2. What documents are required to open an SBI NRI account from the UAE?

    In general, applicants need to have a valid passport, a copy of UAE residence visa, address proof, recent photograph and PAN card or Form 60. It is better to go through the NRI account opening checklist before applying for it.
  • 3. Does SBI in the UAE offer investment services for NRIs?

    SBI provides a host of NRI investment options in India, such as mutual funds, Portfolio Investment Scheme, and demat accounts.
  • 4. Do I need to visit a branch in the UAE for routine NRI banking?

    No. Most of the account servicing, transfers and queries can be done through SBI’s net banking, YONO app or by calling the toll-free NRI customer care number. Branches are mostly there for specific in-person requirements.
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˜The insurers/plans mentioned are arranged in order of highest to lowest first year premium (sum of individual single premium and individual non-single premium) offered by Policybazaar’s insurer partners offering life insurance investment plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in

*Past 10 Year annualised returns as on 01-09-2026
*All savings plans are provided by the insurer as per the IRDAI approved insurance plan. Tax benefit is subject to changes in tax laws. Standard T&C Apply
^The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
¶Long-term capital gains (LTCG) tax (12.5%) is exempted on annual premiums up to 2.5 lacs.
**Returns are based on past 10 years' fund performance data (Fund Data Source: Value Research).
^Returns as on 10th Jan'25. 18% returns for Tata AIA Life Top 200 for the last 10 years.The past performance is not necessarily indicative of future performance. Source: Morningstar

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