How to download FIRA from your bank or payment platform

FIRA vs FIRC vs e-FIRC. What's the difference?

Download FIRA from AD banks

SBI

Portal: SBI Corporate Internet Banking (CINB) at corp.sbi.bank.in

Process: Primarily branch-driven. Contact your SBI branch's Forex/Trade Finance department with a request letter. Include account details, payment receipt date, foreign currency amount, sender name/country, and RBI purpose code. Some steps can be initiated through CINB, but branch confirmation is typically required.

Timeline:

5-7 working days

Charge:

Rs 200 + 18% GST (Rs 236)

Auto-generated:

No

HDFC Bank

Portal path: Corporate Net Banking → Trade Finance → Inward Remittance → FIRC Request

Process: Submit disposal instructions via NetBanking first (prerequisite). Then select the relevant transaction in Trade Finance → Inward Remittance → FIRC Request and submit. Alternatively, email vostro@hdfcbank.com and indialink.helpdesk@hdfcbank.com .

Timeline:

2-5 business days

Charge:

Rs 236 (<1 year) / Rs 590 (>1 year)

Auto-generated:

Yes, if disposal instructions submitted

ICICI Bank

Portal path: Corporate Internet Banking → Trade Online module → E-Docs Dashboard

Process: Register for Trade Online (one-time setup). Access the E-Docs Dashboard for outstanding IRM/Shipping Bill entries. Submit disposal instructions online through CIB or InstaBIZ app. SWIFT copies and credit/debit details are emailed automatically. For formal e-FIRC/FIRS, contact branch trade desk.

Note: ICICI uses different terms. E-FIRC for export proceeds, FIRC for FDI/FII, FIRS for advance payments and other remittances.

Timeline:

2-5 business days

Charge:

Rs 500-2,000 (varies by account type)

Auto-generated:

SWIFT advice auto-emailed; certificate on request

Kotak Mahindra Bank

Portal path: Corporate Internet Banking → Trade Finance → Inward Remittance

Process: Select the transaction in Trade Finance → Inward Remittance and submit FIRC request. SWIFT copies and credit/debit details are auto-emailed upon processing. Alternatively, contact your Relationship Manager via email with SWIFT reference and transaction date.

Timeline:

2-3 business days

Charge:

Free (Start-Up Premium A/c) / Rs 500-1,500 (others)

Auto-generated:

SWIFT copies auto-sent; FIRC on request

Axis Bank

Portal path: Corporate Internet Banking → Forex tab → Inward Remittance (OIRM)

Process: Log in with checker credentials. Click Forex → Inward Remittance. Search for the pending remittance. Select purpose code, upload documents, book exchange rate. Enter credit account details and submit. FIRA is generated automatically upon settlement. Supports online rate booking in 14+ currencies.

Timeline:

24-48 hours

Charge:

Free (OIRM transactions)

Auto-generated:

Yes, upon settlement

Download FIRA from payment platforms

Payoneer

Portal path: Activity → Reports & Statements → Digital FIRA

Process: Select date range (max 100 FIRAs per download if range exceeds 2 months). Select specific documents or all. Click Download. PDFs or .zip archive.

Timeline:

24-72 hours after payment

Charge:

Free

Purpose code:

Set in Settings → Profile Settings → Additional Details

Wise

For Wise Business accounts (auto e-FIRC): Payment received → e-FIRC auto-generated within 3 business days → emailed to you, also downloadable: Home → select transfer → 3-dot menu → "e-FIRC PDF".

For other transfers (NOC + Bank FIRA): Sender downloads NOC from Wise (Home → select transfer → 3-dot menu → "No Objection Certificate"). Recipient takes NOC to partner bank.

HDFC: Email vostro@hdfcbank.com AND indialink.helpdesk@hdfcbank.com with NOC attached. Fee: Rs 177 (<1yr) / Rs 354 (>1yr).

Yes Bank: Pay Rs 354 via NEFT to A/c 105051718, IFSC YESB0000001. Email dlmumfirc@yesbank.in with NOC + payment reference. Timeline: 7-10 business days.

Charge:

Free (Wise Business) / Rs 177-354 (bank route)

Partner banks:

HDFC, Yes Bank, RBL Bank

PayPal

Portal path: Login → Reports → Tax → Foreign Inward Remittance Advise (FIRA) → Download

Weekly Digital FIRA (free): Auto-generated weekly covering all foreign transactions. Monthly consolidated also available by 15th of the next month.

Custom/Individual FIRA (paid): Email paypal.fira.issuance@citi.com from your company email. Fee: Rs 100 + 18% GST per transaction (up to 20) or Rs 2,000 + 18% GST bulk (over 20). Pay via NEFT to PayPal Charges Citibank Transit Account (A/c: 8429847, IFSC: CITI0100000).

AD bank:

Citibank India

Timeline:

3-10 business days (custom)

Amazon Global Selling

Amazon does not directly issue FIRA. Where you get it depends on your payout method:

• ACCS (Amazon Currency Converter): Amazon sends INR to your bank. Get FIRA from your own bank. Bank may charge Rs 100-500.
• Payoneer (linked to Amazon): Payoneer auto-generates digital FIRA for each payout. Free, available in 24-72 hours. Download from Payoneer dashboard, not Seller Central.
• Skydo/PingPong/PayGlocal: Auto FIRA with each payment. Check with your PSP for download path.

Razorpay

Product: MoneySaver Export Account (Dashboard → International Payments)

Process: Share multi-currency virtual account details with clients. Receive payments via ACH, SWIFT, SEPA, BACS, Fedwire. FIRS (Foreign Inward Remittance Statement) auto-generated and emailed within 24 hours after settlement. E-FIRC also auto-generated.

Timeline:

24 hours after settlement

Charge:

Free (included with 1% transaction fee)

Settlement:

T+1

Charges & timeline comparison

When you need a FIRA

• eBRC filing on DGFT. FIRA is the foundational document for generating eBRC. Without it, no eBRC = no RoDTEP, no drawback claims.
• GST refund claims. Rule 89(2) of CGST Rules requires Bank Realisation Certificate or FIRC for zero-rated export refund claims.
• EDPMS closure. Your bank uses the FIRA to close the open EDPMS entry against your shipping bill. Unclosed entries risk caution listing.
• FEMA compliance. FIRA serves as proof that export proceeds were realised within the 9-month repatriation window under FEMA.
• Income tax (SEZ/STPI). Tax officers request eBRC (which needs FIRA) to verify export income for Section 10AA exemptions.
• Audit documentation. Keep FIRAs for at least 7 years. Missing FIRA during audit leads to penalties and compliance queries.

Common issues and fixes

• Wrong purpose code on FIRA. Cannot be fixed on the FIRA itself. Must contact the AD bank for a correction request. See our purpose code change guide.
• FIRA shows platform name, not buyer. Common with Payoneer, PayPal, Wise. The AD bank maps the intermediary as remitter. Provide your invoices and export documentation to the bank for reconciliation.
• FIRA not generated. Check if your bank/platform has auto-generation. If not, request explicitly. For SBI, branch visit may be necessary.
• Bank rejects platform FIRA. Some AD banks don't accept Payoneer/Wise digital FIRAs as sufficient for EDPMS closure. You may need the bank's own e-FIRC in addition to the platform FIRA.
• Old transaction (>1 year). Higher fees and longer processing at most banks. HDFC charges Rs 590 instead of Rs 236. Start the request as early as possible.
• FIRA vs e-FIRC for GST. Rule 89(2) requires BRC or FIRC. A FIRA may not be accepted by all GST officers. Get the formal e-FIRC from your bank for refund claims.

Seasaw automates this

Track every FIRA across all your banks and platforms

Seasaw pulls FIRA data from your AD bank and payment platforms into one dashboard. Matched against shipping bills, purpose codes verified, eBRC readiness flagged. No more chasing branch managers or downloading PDFs from five different portals.

See how Seasaw works →

Sources & citations

• Bank trade desk documentation: SBI CINB, HDFC Trade Finance, ICICI Trade Online, Kotak Trade Services, Axis OIRM. Platform documentation: Payoneer digital FIRA, Wise e-FIRC/NOC, PayPal FIRA issuance via Citibank, Razorpay MoneySaver.
• RBI FED Master Direction No. 16/2015-16. Export of Goods and Services. CGST Rules, Rule 89(2).

Update history

• 2026-08-11 First published.