Emirates NBD (India) EDF Form

Emirates NBD (India) guide · updated 13 Oct 2026

EDF for Emirates NBD (India): how to fill and submit it

Indian businesses that serve clients in the UAE and receive payment into an account with Emirates NBD in India send their monthly Export Declaration Form to Emirates NBD, their AD bank. The currency you invoice in shapes the rest of the filing: foreign-currency service invoices must be realised within 9 months, while invoices raised and settled in Indian rupees get 12 months. Whatever the currency, all of a month's invoices go on one EDF, due within 30 days from the end of that month.

Key takeaways

• Emirates NBD in India is your AD bank when your export proceeds are credited to your account there.
• The AD code for field 1.6 is not the IFSC (starting with EBIL) or the SWIFT code; ask the bank for it.
• AED, USD and INR invoices can all sit on the same monthly EDF, each in its own currency.
• Part 4 asks you to choose between foreign exchange and Indian Rupees; get it right for each month's mix.
• Invoicing in rupees affects GST conditions too, so check with your CA before you switch.

Emirates NBD and exporters with Gulf clients

Emirates NBD is a UAE bank that operates in India. For Indian service exporters, it is a natural fit when most clients are in the UAE or the wider Gulf: marketing agencies, IT firms, design studios and consultancies billing Dubai or Abu Dhabi companies.

Your AD bank is the bank where the foreign money lands. If your UAE clients pay into your Emirates NBD account in India, the EDF goes there. If they pay into an account with the same group outside India, that is not your AD bank; only the India account counts.

The AD code and the bank's process

Field 1.6 asks for the AD code, which identifies the bank branch for export transactions. Your Emirates NBD IFSC begins with EBIL and handles domestic payments; your UAE clients use the SWIFT code to send money. Neither goes into field 1.6. Ask the bank for the AD code of the branch servicing your account.

Every AD bank must publish its policy on accepting EDFs under Regulation 19. Ask Emirates NBD which channel applies to your account, whether a signed scan is accepted, and what to attach. We do not describe the bank's systems, contacts or turnaround times.

Choosing the invoice currency

Gulf clients often ask to pay in dirhams, US dollars, or sometimes Indian rupees. Each choice has consequences for the EDF, and one for GST.

The longer 12-month window can look attractive, but do not switch to rupee invoicing for that reason alone. Under Section 2(6) of the IGST Act, export of services needs payment in convertible foreign exchange, or in Indian rupees wherever RBI permits. Whether your rupee arrangement qualifies is a question for your CA and bank.

A worked example with mixed currencies

Marina Point Marketing Pvt Ltd runs digital advertising campaigns for property and retail brands in the UAE. It banks with Emirates NBD in India. In November 2026 it raised:

• MPM-N-061, 5 November: AED 18,000 to a Dubai real-estate developer
• MPM-N-064, 13 November: USD 7,500 to an Abu Dhabi retail chain
• MPM-N-070, 24 November: ₹3,20,000 to a Sharjah trading company, invoiced and settled in rupees under an arrangement its bank has confirmed

At illustrative rates of ₹23 per AED and ₹84.50 per USD, the first two invoices are worth ₹4,14,000 and ₹6,33,750. With the rupee invoice, field 1.22 shows ₹13,67,750. Each Part 2B row shows its own currency, SAC 998361 (advertising services) and the client contract reference. The EDF is due by 30 December 2026; our EDF due dates page lists later months.

In Part 4, the declaration has alternatives for "foreign exchange" and "Indian Rupees". With a mixed month, Marina Point asks the bank how it wants the declaration completed, rather than striking out one alternative and leaving the rupee invoice unexplained.

Deadlines for the same month, different currencies

Marina Point's three invoices were raised in the same month but carry different realisation deadlines:

• MPM-N-061 (AED): realise by 5 August 2027
• MPM-N-064 (USD): realise by 13 August 2027
• MPM-N-070 (INR): realise by 24 November 2027

A single "EDF month" in your records is not enough; track each invoice against its own date. If a client is late, ask the bank for an extension with reasons before the deadline passes.

Closing the entries

Emirates NBD must enter the EDF into EDPMS within 5 working days. Each invoice then stays open until realised. All three of Marina Point's invoices are under ₹10 lakh, so the bank may close them on Marina Point's declaration that the money has been received. That declaration is separate from the EDF and can be given periodically, for example quarterly; our realisation declaration tool prepares it.

For larger invoices, expect to provide the invoice, payment evidence such as a FIRA or bank advice, and matching instructions. Our glossary entry on EDPMS explains how entries are tracked.

Check the purpose code on each inward remittance. Advertising services often fall under P1007 (advertising, trade fair, market research), but confirm with the bank. This is general information, not legal or tax advice.

Frequently asked questions

Can I put AED and USD invoices on the same EDF?

Yes. One EDF per month can cover all your service exports to one or more recipients, with each invoice in its own currency in Part 2B. Field 1.22 shows the combined total in rupees.

Does invoicing a UAE client in rupees give me more time?

For EDF purposes, invoices raised and settled in Indian rupees have a 12-month realisation window instead of 9. Check with your CA and bank that rupee invoicing still meets the GST conditions for export of services before you rely on it.

What is the Emirates NBD AD code?

It is the code identifying the Emirates NBD branch in India that handles export transactions for your account. Ask the bank for it; it is not the IFSC beginning with EBIL or the SWIFT code.

My UAE client pays into our account outside India. Is that bank my AD bank?

No. Your AD bank for the EDF is the Indian bank where your export proceeds are credited. Talk to your CA and bank before receiving export proceeds anywhere other than your Indian account.

How do I fill Part 4 when a month has both foreign-currency and rupee invoices?

Part 4 has alternatives for foreign exchange and Indian Rupees. With a mixed month, ask Emirates NBD how it wants the declaration completed, and keep its answer for future months.

Bottom line

For Emirates NBD clients serving the Gulf, the currency on each invoice sets its realisation clock and its Part 4 treatment, so decide it deliberately. Build your monthly form, mixed currencies included, with the free Emirates NBD 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.