DCB Bank EDF Form

DCB Bank guide · updated 9 Oct 2026

EDF for DCB Bank: how to fill and submit it

If DCB Bank is where your foreign client payments arrive, DCB Bank is normally the AD bank you give your monthly Export Declaration Form to. From 1 October 2026, you file one EDF for each month's service invoices, within 30 days from the end of that month, through the channel DCB Bank publishes or your branch confirms. Many DCB Bank customers are owner-run businesses, so this guide is written for the person who does the banking themselves.

Key takeaways

• The bank that receives your export proceeds is usually your AD bank. If that is DCB Bank, the EDF goes there.
• Before your first export receipt, confirm with your branch that your account can receive and report foreign inward remittances for export of services.
• Get the AD code for field 1.6 of the EDF from the branch. It is not your IFSC.
• File one EDF per month; October 2026 invoices are due by 30 November 2026.
• Ask for a FIRA or FIRC on every payment and keep it with the invoice.

Before your first foreign payment

Small exporters often discover the EDF only when a foreign payment is held. You can avoid that by speaking to your branch first. Here is a short pre-flight list for DCB Bank customers.

If you prefer a written request for the AD code, our AD code request letter is ready to adapt. Keep the bank's reply in your records.

Proprietor, partnership or company: who signs

Who signs the EDF depends on your business structure.

• Proprietorship: the proprietor signs and uses "I" in the Part 4 declaration.
• Partnership or LLP: an authorised partner or designated partner signs, using "We".
• Company: a director or authorised signatory, as recorded with the bank, signs using "We".

Use the same signatory the bank holds on record for your account. A mismatch is an avoidable reason for questions.

A note for individuals: on 7 October 2026, RBI said individuals providing services abroad are not required to report, and that FAQs would follow. If you bank with DCB Bank as an individual freelancer, check with your branch until the FAQs are published. Proprietorships, firms, LLPs and companies should assume the EDF applies.

Filling the EDF

The EDF is the form in the Annex to the 2026 export regulations, and it is identical for all banks. For services:

1. Part 1: type of export, AD code, IE code if you have one, GSTIN, PAN, DCB Bank branch name and address (1.10), your details, mode of realisation (usually "Others" for direct transfers), recipient, country, a description of services and total INR value in figures and words.
2. Shipping and port fields: mark N/A.
3. Part 2A: leave blank.
4. Part 2B: one row for each invoice in the month.
5. Part 4: sign, date and strike out what does not apply.

Our DCB Bank EDF form fills in the bank details for you. For the total value in words, the amount in words converter writes it in Indian numbering.

A worked example

Tara Voice Studio is a proprietorship in Nashik that records voice-overs for e-learning companies abroad. Its owner, Tara Kulkarni, banks with DCB Bank. In October 2026 she invoiced:

• TVS/112, 5 October: USD 950 to a US e-learning company
• TVS/113, 18 October: GBP 700 to a London agency
• TVS/114, 27 October: USD 1,400 to the same US company

Total value at the rates she used came to about ₹2,62,000. She prepared one EDF with three rows in Part 2B, used "I" in the declaration as a proprietor and submitted it on 12 November 2026 through the channel the branch confirmed. When the payments arrived in November and December, she collected FIRAs and noted each one against its invoice.

Because every invoice was well under ₹10 lakh, she can later give the bank a periodic declaration that they have been realised, rather than sending document sets for each.

FIRA and payment records

For each inward remittance, ask DCB Bank for the FIRA or FIRC. Check:

• the foreign currency amount and date;
• the remitter's name, which should match your client or a payer you can explain;
• the purpose code, which should match your service.

If the purpose code is wrong, raise it with the branch quickly. Small errors are easier to fix soon after the payment than months later.

After you submit

DCB Bank must enter your EDF into EDPMS within 5 working days of receipt. Each invoice then has to be realised within 9 months of the invoice date (12 months for rupee invoices). For invoices up to ₹10 lakh, the bank may close entries on your declaration; for larger ones it needs documents and matching instructions. Our guide to what happens after you submit the EDF explains each step.

If a payment has been held for want of an EDF, submit it promptly with a covering note quoting the remittance details. A bank may accept a delayed EDF for reasonable cause.

This is general information, not legal or tax advice.

Frequently asked questions

Does DCB Bank accept the EDF for export of services?

If your export proceeds land in your DCB Bank account, DCB Bank is normally your AD bank for those exports. Ask your branch how it accepts EDFs, since each bank publishes its own process.

How do I get the AD code from DCB Bank?

Ask the branch that holds your account or handles your export transactions. You can also send a short written request. The AD code differs from your IFSC and SWIFT code.

I am a proprietor with small invoices. Do I still need to file every month?

Proprietorships should assume the EDF applies. You file one EDF for any month in which you raised export invoices, covering all of them. Months with no export invoices need no EDF.

Can I use a savings account to receive export payments?

Business receipts are generally best kept in a current account in the business's name. Ask DCB Bank what account suits your structure and whether export remittances into your existing account can be processed and reported correctly.

Bottom line

For DCB Bank customers, a short conversation with the branch before your first foreign payment saves most of the trouble: confirm the account, the AD code and the submission channel. Then file one EDF a month and log every FIRA. Create a pre-filled form with our free DCB Bank EDF generator.

Key dates

*Nine months from each invoice date; twelve if invoiced in rupees. Full 12-month calendar · Due date calculator

"Strike out whichever is not applicable"

Part 4 offers pairs of alternatives — I/We, buyer/third party, will be received/has been received, foreign exchange/Indian Rupees. Your answers in step 5 decide which words stay; we draw the line through the rest, exactly as you would with a pen.

The layout follows the structure of RBI's Annex (Parts 1–5, fields 1.1–1.22). If your bank hands you its own printed version, use theirs. This tool is a document generator, not legal or tax advice — you remain the declarant.