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Export Finance & Trade Blog
Practical guides on export factoring, LC discounting, export payments and working capital — written for Indian exporters and global trade teams.
Showing 1–20 of 69 posts
Trade Policy
India-New Zealand FTA: What Indian Exporters Get (2026)
New Zealand removes duty on 100% of Indian export lines. India keeps dairy, sugar and a list of sensitive farm products out. What the deal actually changes for textiles, leather, marine, engineering and pharma exporters — and what to do before the first shipment.
20-10-2026 · 12 min read
Trade Finance
How Much Credit Should You Give an Overseas Buyer? (2026)
A credit limit is not the order value. It is the most money you are willing to have outstanding with one buyer at any moment. Four ceilings decide it — and you take the lowest.
20-10-2026 · 11 min read
Trade Finance
EEFC Account Guide for Indian Exporters (2026)
Most exporters treat the EEFC account as a place to park dollars. That misses the point. Its real job is timing, matching and cost: receive foreign currency, pay foreign-currency bills straight from the balance, and convert only the surplus to rupees — so you stop paying conversion spreads in both directions.
15-10-2026 · 13 min read
Trade Finance
Forex Rates for Indian Exporters: Pay Less (2026)
Most Indian SMEs negotiate the wrong number with their bank. The headline spread is only one line of the bill — inward and outward remittance charges, SWIFT, correspondent and conversion fees decide what you actually pay. Negotiate the total cost structure, not the spread.
15-10-2026 · 12 min read
Import & Export
Commercial Invoice for International Trade: Full Guide
An export commercial invoice must let a stranger — the buyer's bank, your factor, an insurer, a court — see exactly what was sold, on what delivery terms, for how much, and on what event the payment falls due. Most disputes start where the invoice goes vague: a bare Net 60 nobody anchored to a date.
15-10-2026 · 11 min read
Trade Policy
FEMA 2026 Export Rules: 9-Month Guide | Trad
From 1 October 2026, one FEMA rulebook governs Indian exports and imports of goods, services, software, and merchanting trade. Realisation is 9 months (12 for INR exports), services need monthly EDF filing, and your AD bank — not RBI — decides extensions, reductions, and write-offs.
15-10-2026 · 18 min read
Trade Policy
Write Off Export Receivable Under FEMA | Trad
Customer paid less than the invoice for a genuine reason? Don't leave the balance as an unmatched EDPMS entry. Approach your AD bank for a reduced-realisation approval under Regulation 6 — with the invoice, shipment ref, and reason documented.
15-10-2026 · 8 min read
Trade Policy
FEMA Import Payment Deadline: Contract Rule | Trad
From 1 October 2026 the old 6-months-from-shipment benchmark for import payments is gone. Your deadline is the payment date agreed in the underlying contract — and if you cannot meet it, you need an AD bank extension for genuine reasons, not an automatic grace period.
15-10-2026 · 8 min read
Trade Policy
EDF for Freelancers? Who Files After RBI's 7-Oct Update (2026)
If you earn as an individual — tutoring, small software work, creator payouts — RBI said on 7 October 2026 you need not file EDF; FAQs are pending, so confirm with your bank. Firms and companies exporting services must file a monthly EDF, first one due 30 November. Our free tool fills the form for you.
15-10-2026 · 7 min read
Import & Export
West Bengal Trade Licence: How to Apply (2026)
West Bengal calls its trade licence the Certificate of Enlistment (CE). New applications go online via the e-District portal, renewals via Silpasathi — here is the KMC and municipal route with documents, fees, timeline and renewal.
08-10-2026 · 8 min read
Import & Export
RoDTEP & RoSCTL Extended Till 31 Dec 2026: What Exporters Should Do
RoDTEP runs till 31 December 2026 at unchanged rates and caps; RoSCTL for apparel runs 1 Oct–31 Dec 2026; RELIEF Component-II ECGC cover for West Asia is extended too. Here is who is covered and what to finish before the deadline.
08-10-2026 · 6 min read
Trade Finance
Export Invoice Discounting India: Process, Cost, Eligibility 2026
Ship now, get paid in 60–90 days — unless you discount the invoice. Export invoice discounting advances 80–95% of the bill value within days. Here is the process, cost, LC vs clean routes and eligibility.
06-10-2026 · 8 min read
Trade Policy
EDPMS Closure: Rs 10 Lakh Relief Guide | Trad
Money received but EDPMS entry still open? Import paid but IDPMS unmatched? Sort every old entry into 4 buckets, then use RBI's Rs 10 lakh per-entry declaration relief — including quarterly bulk filing — to clear the small ones without a full evidence file.
04-10-2026 · 10 min read
Trade Policy
Service Export EDF Filing: 30-Day Rule | Trad
From 1 October 2026, IT, consulting and other service exporters must file an EDF within 30 days from month-end of invoice — one monthly EDF with an invoice-level schedule. Software cannot use the pay-on-receipt shortcut, and there is no small-invoice EDF exemption.
04-10-2026 · 8 min read
Trade Policy
FEMA 2026: 9 vs 12 Months? 15/18-Month Myth Explained
No, the FEMA 2026 export deadline is not 15 or 18 months. The January 2026 text said 15/18, but the 22 September 2026 amendment cut it to 9 months — 12 where the export is invoiced and/or settled in INR — before the rules took effect on 1 October 2026.
04-10-2026 · 9 min read
Trade Finance
Need to Hedge a USD Payment? A 20-Minute Setup (2026)
A USD payable is a bet that the rupee holds until your payment date. Three questions decide whether to hedge it, and the booking itself takes twenty minutes.
03-10-2026 · 10 min read
Import & Export
Supplier Wants Payment Before Shipment? 5 Shields (2026)
Every advance is a donation until the goods arrive. Five structures that let you pay before shipment without praying after it — ordered by cost.
03-10-2026 · 10 min read
Trade Finance
Have an LC But Need Working Capital? 3 Routes (2026)
An LC is a payment promise, not cash — but it unlocks cash at three points: before shipment, at presentation, and across the usance. Spend it in order.
03-10-2026 · 11 min read
Trade Finance
USD Receivables, INR Expenses? Fix the Mismatch (2026)
Dollars in, rupees out, and the two never arrive in the same week. You have a timing gap and a currency gap — fix them in that order, and only pay to hedge what is left.
03-10-2026 · 11 min read
Trade Finance
Buyer Stopped Paying? Your Recovery Playbook (2026)
A stopped buyer is two problems: the money, and the paperwork that decides whether anyone helps you get it. Triage in week one, protect the insurance deadlines, then climb the recovery ladder.
03-10-2026 · 12 min read