FEMA 2026
Key changes for trade transactions — effective 1 October 2026 • Export realisation — 9 months for shipments up to 30 Sep 2026, then 15 months from 1 Oct 2026 (18 months if invoiced in INR) • EDF mandatory for all exports — goods at shipping, services and software within 30 days of invoice • Import payment timeline governed by the underlying trade contract — the fixed six-month rule is gone • Set-off of export receivables against import payables now permitted, including goods against services • Merchanting trade — profitability requirement and 9-month completion timeline removed • Formal RBI caution listing abolished — AD banks manage it in-house • Gold and silver — no advance remittance unless specifically permitted • Bills up to ₹10 lakh may be cleared on the exporter's declaration •
Read all 15 changes
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What We Cover

FM

FEMA and RBI Compliance

Form A2, AD Code, wire transfer timelines, FEMA 2026 regulations and RBI reporting rules
EI

Export and Import Compliance

IEC registration, GST refunds on exports, rupee invoicing, shipping bills and documentation
ED

EDPMS and IDPMS

Export and import data monitoring, entry closure, realisation tracking and bank reporting
NR

NRI Banking

FCNR deposits, NRE and NRO accounts, repatriation rules and returns for non-residents
LR

LRS and Remittances

Liberalised Remittance Scheme limits, TCS rates, Form 145 and 146, purpose codes
LC

Letter of Credit and Trade Finance

LC types, discrepancy handling, UCP 600, bank guarantees and export finance

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EX

Exporters and Importers

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NRIs

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