Where to submit your EDF: bank-by-bank guide
Banks
- ICICI Bank
- HDFC Bank
- State Bank of India
- Axis Bank
- Kotak Mahindra Bank
- Punjab National Bank
- IDFC FIRST Bank
- IndusInd Bank
- Federal Bank
- Bank of Baroda
- Yes Bank
- Canara Bank
- Union Bank of India
ICICI Bank
How to submit: Online through Trade Online (corporate net banking) or the InstaBIZ app, or at the branch Trade Desk.
AD code: You can generate an AD code letter yourself in Trade One View (Trade Online / InstaBIZ), or ask the branch.
Documents: EDF, invoices, the bank's customer request letter with FEMA declaration; IRM/eFIRC details when regularising advance payments. Invoices up to Rs 10 lakh can be closed on your declaration.
Charges: No separate EDF fee listed in the policy; standard trade tariff applies.
Late submission / extension: Case by case through the Trade Desk or RM, with reasons and documents.
Official EDF / export procedure · Bank's own request letter / form
ICICI uses its own customer request letter format; download it from the link.
Checked on the bank's website: 8 Oct 2026.
HDFC Bank
How to submit: At the Trade Desk of your HDFC branch, through the bank's digital channel, or via your Relationship Manager.
AD code: Ask your branch Trade Desk for an AD code letter (request letter).
Documents: EDF, invoices, FEMA declaration, IRM/eFIRC for advance regularisation. HDFC has its own 'Request letter for Export of Services & EDF Filing cum Disposal Instructions'.
Charges: Export bill regularisation 0.0625% (min Rs 1,000) + Rs 100 per invoice; BRC issuance Rs 150; extension Rs 1,000 (published fee schedule).
Late submission / extension: On request with reasons and documents, to the bank's satisfaction.
Official EDF / export procedure · Bank's own request letter / form
HDFC asks for its own request letter along with the EDF; download it from the link.
Checked on the bank's website: 8 Oct 2026.
State Bank of India
How to submit: At the authorised (AD) branch where your current account is.
AD code: Ask your AD branch for the AD code letter.
Documents: EDF, invoices, service agreement or statement of work, proof of service delivery, request letter in the bank's format with FEMA declarations. Invoices up to Rs 10 lakh close on your declaration.
Charges: As per SBI's service charges page; SBI states no penal charge for regulatory delay.
Late submission / extension: Request before the due date with reasons and buyer correspondence (2 working days to process).
Official EDF / export procedure
SBI's customer guide is written in plain language and has an FAQ section.
Checked on the bank's website: 8 Oct 2026.
Axis Bank
How to submit: At your base branch or through your Relationship Manager.
AD code: Ask your base branch for the Axis Bank AD code letter.
Documents: EDF, invoices, contract, customer request letter with FEMA declaration.
Charges: eBRC: nil; follow-up for late EDF lodgement Rs 100 per bill per month (published schedule of charges).
Late submission / extension: Request letter with FEMA declaration plus buyer communication confirming revised terms.
Official EDF / export procedure · Bank's own request letter / form
Axis also publishes an export FAQ and its full AEXIM policy.
Checked on the bank's website: 8 Oct 2026.
Kotak Mahindra Bank
How to submit: At a branch, or digitally through Kotak's FYN platform where available.
AD code: Kotak issues an AD code letter on request (published charge Rs 1,000 per letter).
Documents: EDF, invoices, FEMA declaration in the bank's request-letter format.
Charges: Software/service handling 0.075% (min Rs 1,500); export regularisation 0.075% (min Rs 1,250); AD code letter Rs 1,000; extension Rs 2,000 (fee schedule from 12 Oct 2026).
Late submission / extension: On request citing reasons, if the bank is satisfied (Rs 2,000).
Official EDF / export procedure
Kotak publishes the clearest fee list.
Checked on the bank's website: 8 Oct 2026.
Punjab National Bank
How to submit: At AD branches; processing is centralised at PNB Trade Finance Centres.
AD code: Ask your AD branch.
Documents: EDF, invoices, FEMA declaration in the bank's request-letter format.
Charges: As per the bank's service charges (not itemised publicly).
Late submission / extension: Decided by delegated committees based on reasons and evidence.
Official EDF / export procedure
PNB's published policy is a long internal circular; ask the branch for the customer process.
Checked on the bank's website: 8 Oct 2026.
IDFC FIRST Bank
How to submit: At a branch or through online/digital banking.
AD code: Ask your branch (application letter).
Documents: Request letter with FEMA declarations, EDF, invoice/agreement/contract.
Charges: As per the bank's schedule of charges.
Late submission / extension: Request letter citing the specific reason.
Official EDF / export procedure
IDFC FIRST targets processing within 2 working days.
Checked on the bank's website: 8 Oct 2026.
IndusInd Bank
How to submit: Trade-enabled branches and central trade processing units; physical or digital submission.
AD code: Ask your trade-enabled branch.
Documents: EDF, invoices, the bank's export document covering letter.
Charges: As per the bank's schedule of charges; BRC issuance free in the published current-account schedule.
Late submission / extension: Permitted where FEMA allows, if the request is bona fide.
Official EDF / export procedure · Bank's own request letter / form
Checked on the bank's website: 8 Oct 2026.
Federal Bank
How to submit: As per the bank's Master Trade SOP (branch trade desk); see the Trade Services Customer Guide.
AD code: Ask your branch.
Documents: See the bank's cross-border transaction document checklist.
Charges: See the bank's Trade and Forex service charges page.
Late submission / extension: Bank may extend EDF submission on a request citing reasons.
Official EDF / export procedure · Bank's own request letter / form
Federal Bank links its customer guide, checklist and charges from the policy.
Checked on the bank's website: 8 Oct 2026.
Bank of Baroda
How to submit: Not yet published on the bank's website; ask your branch's trade/forex desk.
AD code: Ask your branch for an AD code letter.
Documents: Not yet published.
Charges: Not yet published.
Late submission / extension: Not yet published.
No published procedure found as of 8 Oct 2026. Ask your branch trade or forex desk.
We could not find a published EDF procedure as of 8 Oct 2026.
Checked on the bank's website: 8 Oct 2026.
Yes Bank
How to submit: Not yet published on the bank's website; ask your branch's trade desk.
AD code: Ask your branch.
Documents: Not yet published.
Charges: See the bank's rates and charges page.
Late submission / extension: Not yet published.
No published procedure found as of 8 Oct 2026. Ask your branch trade or forex desk.
We could not find a published EDF procedure as of 8 Oct 2026.
Checked on the bank's website: 8 Oct 2026.
Canara Bank
How to submit: Not yet published on the bank's website; ask your branch.
AD code: Ask your branch.
Documents: Not yet published.
Charges: Not yet published.
Late submission / extension: Not yet published.
No published procedure found as of 8 Oct 2026. Ask your branch trade or forex desk.
We could not find a published EDF procedure as of 8 Oct 2026.
Checked on the bank's website: 8 Oct 2026.
Union Bank of India
How to submit: Not yet published on the bank's website; ask your branch.
AD code: Ask your branch.
Documents: Not yet published.
Charges: Not yet published.
Late submission / extension: Not yet published.
No published procedure found as of 8 Oct 2026. Ask your branch trade or forex desk.
We could not find a published EDF procedure as of 8 Oct 2026.
Checked on the bank's website: 8 Oct 2026.
If you are paid through a payment app
| App | Where the EDF goes | Help from the app |
|---|---|---|
| Xflow | Your Indian bank where Xflow pays out | Field-by-field EDF guide; eFIRA on every payment. Xflow guide |
| Skydo | Your Indian bank where Skydo pays out | EDF generator announced (coming soon); free FIRA. Skydo |
| Razorpay (MoneySaver) | Your settlement bank; if it is ICICI, an EDF number may be needed before capturing payment | Razorpay explainer |
| Wise, Payoneer, PayPal, Stripe | Your Indian bank where the money lands | No EDF help published by these apps as of 8 Oct 2026 |
Questions
Where do I submit the EDF for export of services?
To the bank (Authorised Dealer) where your foreign payment is received, for services other than software. For software you can also use STPI. Units in an SEZ submit to their SEZ Development Commissioner. You do not upload it to the RBI website (Regulation 2(1)(f), FEMA 23(R)/2026-RB).
Can I email the EDF to my bank?
It depends on the bank. RBI requires every bank to publish its own procedure (Regulation 19). Some banks accept it through net banking or a trade portal (for example ICICI Trade Online), some at the branch trade desk, and some through your relationship manager. Check your bank below.
What does the bank do with my EDF?
The bank enters it in RBI's Export Data Processing and Monitoring System (EDPMS) within five working days (Regulation 18(1)(b)). The entry is closed when your payment arrives and is matched.
I get paid through Xflow, Skydo, Razorpay, Wise or PayPal. Where does my EDF go?
To the Indian bank account where the platform pays out your money. The platform is not your AD bank. Some platforms help you prepare the form (Xflow guide, Skydo generator coming soon), but you submit it to your bank.
Can my bank charge a penalty if I am late?
Regulation 19(3) says a bank shall not levy any charges or penalty for a regulatory delay or violation by its customer. Banks may still charge normal service fees listed in their schedule. If you will be late, write to the bank before the deadline with reasons and ask for an extension under Regulation 3(2)(c).
What to take to the bank
- Signed EDF (2 pages, from EDF Maker)
- Copies of the invoices listed in Part 2B
- The bank's own request letter, if it has one (links above)
- A cover letter (EDF Maker prints one for you)