First EDF due 30 Nov 2026: checklist
Short answer
- If the EDF applies to you, all invoices raised in October 2026 go in one EDF, filed with your bank by 30 November 2026.
- Not sure it applies? Ask your bank now, in writing. RBI's FAQ is still pending.
RBI FAQ status: not published as of 17 Oct 2026 (checked on rbi.org.in). No suspension of EDF filing has been announced.
The checklist
- List every invoice you raised from 1 to 31 October 2026: number, date, client, country, currency, amount.
- Note how each was or will be paid: direct SWIFT, PayPal, Payoneer, Wise, Skydo or other.
- Collect the remittance advice or FIRA for anything already paid.
- Ask your bank: do you need an EDF from me, in what format, and through which channel?
- If yes, fill one consolidated EDF for October, using the bank's format.
- For invoices up to ₹10 lakh already paid, prepare the declaration that payment was realised.
- Submit by 30 November 2026 and keep the acknowledgement.
- Put the next date in your calendar: 30 December 2026 for November invoices.
- Track each invoice's 9-month realisation date. An invoice dated 14 October 2026 must be paid by 14 July 2027.
Related: EDF FAQ, bank holding your payment.
Sources
- RBI, FEMA (Export and Import of Goods and Services) Regulations, 2026, FEMA 23(R)/2026-RB, amended to 22 Sep 2026: www.rbi.org.in
- RBI, Amendment Regulations, FEMA 23(R)/(1)/2026-RB, 22 Sep 2026: rbi.org.in
- Economic Times, 7 Oct 2026: RBI says individuals need not report; FAQs to follow: economictimes.indiatimes.com
- RBI, Frequently Asked Questions index (checked 17 Oct 2026: no EDF FAQ listed): www.rbi.org.in