Saudi Riyal Exchange Rate in Saudi Arabia on Thursday, Nov, 2025 – Complete Guide for Pakistan, India, and Bangladesh Transfers
The Saudi Riyal exchange rate on Nov, 2025, has shown important fluctuations across different transaction centers in Saudi Arabia, affecting overseas remittances to Pakistan, India, and Bangladesh. As millions of expatriates in Saudi Arabia send money home every day, understanding the current SAR exchange rates and transfer fees can help maximize your remittance value.
In this detailed report, we present the Saudi Riyal to Pakistani Rupee, Indian Rupee, and Bangladeshi Taka rates as per the latest updates from major remittance services including Fawri (Bank Aljazira), STC Pay, Tahweel Al Rajhi, Western Union, MoneyGram, and Injaz (Bank Albilad).
Saudi Riyal to Pakistani Rupee Exchange Rate – November 13, 2025
When transferring money to Pakistan, expatriates can choose among several major financial service providers in Saudi Arabia. Below are the updated SAR to PKR rates and their corresponding transfer fees:
| Transaction Center | Exchange Rate (SAR to PKR) | Transfer Fee (SAR) |
|---|---|---|
| Fawri (Bank Aljazira) | ₨74.18 | 7.00 SAR |
| STC Pay | ₨74.15 | 0.00 SAR |
| Tahweel Al Rajhi | ₨74.22 | 13.80 SAR |
| Western Union | ₨74.32 | 5.75 SAR |
| MoneyGram | ₨74.27 | 14.95 SAR |
| Injaz (Bank Albilad) | ₨74.24 | 17.25 SAR |
Analysis of SAR to PKR Rate
Among these, Western Union offers the highest exchange rate (₨74.32 per Riyal), making it the most profitable choice for those looking for maximum conversion value. However, STC Pay remains a popular choice due to its zero transfer fee, ideal for smaller remittances.
For large transactions, Tahweel Al Rajhi and Fawri (Bank Aljazira) are reliable due to their extensive network and consistent service performance.
Saudi Riyal to Indian Rupee Exchange Rate
Indian expatriates form one of the largest remittance groups in the Kingdom. Here’s the latest SAR to INR rate update for November 13, 2025:
| Transaction Center | Exchange Rate (SAR to INR) | Transfer Fee (SAR) |
|---|---|---|
| Fawri (Bank Aljazira) | ₹23.35 | 10.00 SAR |
| STC Pay | ₹23.36 | 17.25 SAR |
| Tahweel Al Rajhi | ₹23.32 | 13.80 SAR |
| Western Union | ₹23.31 | 0.00 SAR |
| MoneyGram | ₹23.28 | 14.95 SAR |
| Injaz (Bank Albilad) | ₹23.30 | 17.25 SAR |
Analysis of SAR to INR Rate
The best exchange rate for India is currently offered by STC Pay (₹23.36), although it includes a 17.25 SAR fee. For those prioritizing zero transfer charges, Western Union stands out, offering a competitive rate of ₹23.31.
While Tahweel Al Rajhi offers a slightly lower rate, it provides reliable speed and coverage, particularly for bank-to-bank transfers to India.
Saudi Riyal to Bangladeshi Taka Exchange Rate
For Bangladeshi expatriates working in Saudi Arabia, here are the SAR to BDT exchange rates and fees updated for November 13, 2025:
| Transaction Center | Exchange Rate (SAR to BDT) | Transfer Fee (SAR) |
|---|---|---|
| Fawri (Bank Aljazira) | ৳32.13 | 12.00 SAR |
| STC Pay | ৳32.15 | 17.25 SAR |
| Tahweel Al Rajhi (Al Rajhi Bank) | ৳32.17 | 13.80 SAR |
| Western Union (Ersal) | ৳32.13 | 5.75 SAR |
| MoneyGram | ৳32.12 | 14.95 SAR |
| Injaz (Bank Albilad) | ৳32.14 | 17.25 SAR |
Note: Bangladeshi currency is called “Taka,” while smaller units are called “Poisha.”
Analysis of SAR to BDT Rate
Among all providers, Tahweel Al Rajhi offers the highest rate of ৳32.17, making it the top choice for maximizing returns when sending money to Bangladesh. Western Union provides a lower transfer fee, making it suitable for smaller or frequent transactions.
Comparison: Best Remittance Options for Each Country
| Country | Best Exchange Rate Provider | Highest Rate | Lowest Fee |
|---|---|---|---|
| Pakistan | Western Union | ₨74.32 | STC Pay (0 SAR) |
| India | STC Pay | ₹23.36 | Western Union (0 SAR) |
| Bangladesh | Tahweel Al Rajhi | ৳32.17 | Western Union (5.75 SAR) |
Recommendation Summary
- For Pakistan: Use Western Union for the best exchange rate; choose STC Pay if you prefer no fees.
- For India: STC Pay gives the highest value, while Western Union remains best for free transfers.
- For Bangladesh: Tahweel Al Rajhi is the top performer with the strongest rate, while Western Union wins for low transfer costs.
Understanding VAT and Fees on Saudi Money Transfers
Saudi Arabia imposes a Value Added Tax (VAT) on certain remittance service fees. While the VAT percentage remains relatively stable, it can vary based on transaction type and the service provider’s internal policy.
- STC Pay and Western Union often absorb VAT within their listed fee.
- Bank-based services like Tahweel Al Rajhi and Injaz Bank apply VAT separately, increasing total costs slightly.
For frequent senders, using digital wallet options such as STC Pay can minimize additional costs while providing instant transaction tracking.
Factors Influencing the Riyal Exchange Rate
The Saudi Riyal (SAR) exchange rate against PKR, INR, and BDT depends on several global and regional financial factors:
- Oil Prices and Dollar Peg: As the Riyal is pegged to the US Dollar, oil market movements and dollar fluctuations directly affect remittance rates.
- Inflation in South Asia: Inflation levels in Pakistan, India, and Bangladesh influence how much local currency you receive per Riyal.
- Monetary Policies: Central bank interest rates and reserve changes also play a crucial role in daily exchange variations.
- Demand for Remittances: Seasonal demands, such as Eid or school fee payments, can temporarily raise or lower rates based on currency demand.
Tips to Maximize Your Remittance Value
- Compare rates daily across multiple service providers before sending money.
- Use digital platforms like STC Pay for fast, low-cost transfers.
- Transfer larger amounts to offset fixed service fees.
- Check for promotional offers—many apps provide temporary fee waivers or bonus exchange rates.
- Avoid weekends and holidays, when exchange rates are often less favorable due to low market activity.
Conclusion
The Saudi Riyal exchange rate on Thursday, November 13, 2025, offers several options for expatriates in Saudi Arabia to send money back home effectively.
- Pakistan: Western Union provides the highest PKR rate (₨74.32).
- India: STC Pay leads with ₹23.36 per Riyal.
- Bangladesh: Tahweel Al Rajhi dominates with ৳32.17 per Riyal.
Choosing the right remittance provider can make a noticeable difference in the amount received by your family. By staying informed and comparing exchange rates and fees regularly, expatriates can ensure that their hard-earned money delivers maximum value back home.
