Service Export Saathi
Start free

Ready for the RBI regulations in force from 1 October 2026

Service export compliance, without the complexity.

Prepare your Export Declaration Form (EDF) in just two steps. Add your invoice, review what AI prepared, and download bank-ready documents. SAC and Purpose Codes included.

1Add your invoiceCreate or upload
2Review & generateBank-ready EDF
Start free Upload existing invoice
  • Free to start
  • No onboarding forms
  • EDF in 2 steps

Built for Indian service providers with overseas clients, from a freelancer in Indore to an IT firm in Bengaluru.

You say

EXPORT DECLARATION · DRAFT INV-2026-131
Customer country
Australia
Service
Custom mobile app development
Invoice value
AUD 12,000.00
SAC
998314 IT design & development
Purpose Code
Computer / IT service High confidence
Customer name
We'll ask you this one

How it works

Your export declaration in just two steps.

You do two things. Saathi does everything in between.

1

You

Add your invoice

Create a new export invoice here, or upload the one you already have: PDF, scan, image or Excel.

Saathi, automatically

  • Reads customer, country, amount & currency
  • Suggests your SAC code
  • Suggests your RBI Purpose Code
  • Checks for missing or mismatched details
  • Fills the declaration in your bank's format
2

You

Review & generate

Check one simple summary, fix anything we flag, and download your bank-ready Export Declaration Form.

Start free

Providing services to clients outside India?
Then this is for you.

  • Freelancers
  • Influencers & creators
  • Graphic designers
  • Software developers
  • Consultants
  • Digital marketing agencies
  • Recruitment companies
  • Architects
  • Lawyers
  • Accountants
  • Engineers
  • AI consultants
  • Video editors
  • Photographers
  • Design studios
  • IT companies
  • Professional service firms

A freelance designer in Pune billing a client in London.

An influencer in Mumbai paid by a brand in the US.

A developer in Kochi building an app for a startup in Australia.

A consultant in Ahmedabad advising a company in Dubai.

A recruiter in Gurugram charging a placement fee in Singapore.

An agency in Jaipur running campaigns for a client in Germany.

The business may be small and the invoice may be simple. The export paperwork still has to be right.

What changed

Service export compliance changed on

The Reserve Bank of India's Foreign Exchange Management (Export and Import of Goods and Services) Regulations, 2026 introduce structured Export Declaration Form (EDF) reporting for exports of services.

If you raise an invoice in India for services delivered to an overseas customer, details of that export may need to be declared through your Authorised Dealer bank.

Read the RBI notification

Notification No. FEMA 23(R)/2026-RB, dated , amended up to . Reserve Bank of India, Foreign Exchange Department.

When is my declaration due?

General rule: within 30 days from the end of the month in which the invoice was raised.

DECLARE BY 30 November 2026

Consolidated monthly declarations and a separate option for eligible non-software services may apply. Your bank may also have its own process.

The problem isn't your service.
It's the paperwork after it.

You know what you did, who you did it for and what you charged. Then the bank asks for these. You shouldn't need to become a FEMA expert to get paid.

SAC Code
The GST classification of your service.
RBI Purpose Code
The kind of foreign-exchange transaction this is.
EDF
The Export Declaration Form reported through your bank.
AD Code
Identifies your bank branch for foreign exchange.
Mode of Realisation
How the overseas payment will reach you.
Exporter Category
The type of exporter you are.
Net Realisable Value
What you expect to actually receive.
EDPMS
RBI's system that tracks an export until it's paid.

Saathi works these out for you, or marks them Bank will fill this when they belong to the bank.

1 Step one

Add your invoice, either way.

Create an export invoice

Make a professional invoice right here. AI takes care of the classifications and export details.

  • Customer
  • Service
  • Amount & currency
  • Payment terms
Create invoice

Upload your existing invoice

Already use another invoicing or accounting tool? Keep using it. Saathi reads your invoice automatically.

PDFScanned PDFImageExcel
Upload invoice

AI reads the invoice

No manual copying.

Upload a PDF, scan or spreadsheet. Saathi picks out the exporter, customer, country, amount, service and dates. You check them; you don't type them.

We only ask for what we can't find.

No thirty-field forms. If it's on your invoice, or you saved it last time, we won't ask again.

  • Customer name
  • Country
  • Invoice value
  • Currency
  • Service description
  • PAN
  • GSTIN
  • IEC
  • Bank
  • AD Code
INV-2026-108.pdf Read
Exporter
ABC Design Studio
Customer
Creative Labs Inc.
Country
United States
Invoice
INV-2026-108
Amount
USD 2,000.00
Service
Brand identity & graphic design
Invoice date
10 October 2026

Your first invoice is your onboarding. We recognised your company details. Save them for future declarations?

Don't know your codes?
Most people don't.

Describe what you did. Saathi suggests both codes and tells you why. AI recommends. You decide.

YOUR SERVICE

“Custom mobile application development.”

SAC CODEFor GST

998314

Information technology design and development services

Why? Your invoice describes custom software design and development work.

RBI PURPOSE CODEFor foreign exchange

Computer / IT related service

Confidence: high. You provided custom software development.

They aren't the same thing. SAC classifies your service for GST. The Purpose Code classifies the foreign-exchange transaction. Saathi works out each one separately, from the service you actually provided.

AI checks everything
before you generate.

No compliance error codes. If something's wrong, we say what it is and how to fix it.

Not thisERROR: FIELD EDF-B12 INVALID
This

We need the customer's country before we can finish this declaration.

Customer country missing

We couldn't find the customer's country on this invoice.

SAC needs a look

Your service description could match two classifications.

Amounts don't match

Invoice value USD 5,000 but net realisable value USD 4,500.

Contract date missing

The invoice mentions a contract number but no contract date.

Several invoices? Upload them together.

Saathi works out each invoice's customer, currency and service, spots which ones are related, and suggests which can share a declaration and which should stay separate. You review the suggestion.

Can be grouped · Creative Labs · USDINV-108INV-112INV-119
Keep separate · Northwind Ltd · GBPINV-115

Bank formats

Your bank has its own format. That's fine.

Saathi uses bank templates. You give the information once and we map it into your bank's supported format, so you never have to work through its Excel workbook.

Some fields are filled in or generated by the bank. We mark those Bank will fill this, so you don't have to guess and they don't hold up your declaration.

You see
Customer: ABC Inc.
Country: USA
Bank reference Bank will fill this
Your bank receives 
BUYER_NAME  ABC Inc.
BUYER_CTRY  US
BANK_REF    (by bank)

2 Step two

Review it once.
Then generate.

Everything in one place, already checked. Confirm it and download your bank-ready documents.

Start free
EXPORT DECLARATIONINV-2026-124
Exporter
ABC Technologies Pvt. Ltd.
Customer
XYZ Corporation
Country
USA
Invoice
INV-2026-124
Amount
USD 8,500.00
Service
Custom software development

FAQ

Service export declarations, answered.

Plain answers about the EDF, SAC and Purpose Codes for Indian service exporters.

Updated

What is an Export Declaration Form (EDF) for services?

An EDF is the declaration an Indian exporter makes through their Authorised Dealer (AD) bank about an export. Under the RBI's Foreign Exchange Management (Export and Import of Goods and Services) Regulations, 2026, in force from 1 October 2026, structured EDF reporting also applies to exports of services. It records details such as the overseas customer, invoice value, currency, SAC code and RBI Purpose Code. Source: RBI Notification No. FEMA 23(R)/2026-RB.

Do freelancers and small businesses need to declare service exports?

Possibly, yes. The rules are not limited to large exporters. If you are in India and invoice an overseas customer for services, as a freelancer, creator, consultant, agency or IT firm, details of that export may need to be declared through your bank. Confirm the exact requirement for your case with your AD bank.

When is the EDF due for a service export invoice?

The general rule is within 30 days from the end of the month in which the invoice was raised. For example, an invoice dated 15 October 2026 is generally due by 30 November 2026. Consolidated monthly declarations and other options may apply, and your bank may have its own process.

What is the difference between a SAC code and an RBI Purpose Code?

A SAC (Services Accounting Code) classifies your service for GST. An RBI Purpose Code classifies the underlying foreign-exchange transaction. They are separate classifications, so Service Export Saathi suggests each one independently from the service you actually provided.

How does Service Export Saathi prepare the EDF in two steps?

Step 1: create an export invoice or upload your existing one (PDF, scan, image or Excel). Saathi's AI then reads the invoice, suggests the SAC code and Purpose Code, checks for missing or mismatched details and maps everything into your bank's format. Step 2: review one summary and generate your bank-ready documents.

Can I keep using my current invoicing or accounting software?

Yes. Upload invoices from any system as PDF, scanned PDF, image or Excel. Saathi extracts the details automatically and only asks for what it cannot find.

Is Service Export Saathi free?

You can start free. Create or upload your first invoice without any onboarding forms.

Does Service Export Saathi file the declaration with my bank?

Service Export Saathi prepares your declaration and bank-ready documents; you submit them through your Authorised Dealer bank. Some fields are filled in by the bank during processing, and the bank's requirements always take precedence. Saathi is not legal or tax advice.

Who developed Service Export Saathi?

Service Export Saathi is developed by IndaPoint Technologies Private Limited, an AI-first software development company from Vadodara, Gujarat, with 20 years of experience building software for clients worldwide.

Kaam aapka. Paperwork Saathi ka.

You did the work.
Let Saathi handle the paperwork.

Your Export Declaration Form in two steps. Free to start.

Start free Upload existing invoice

Contact

Talk to the team behind Saathi.

Questions about export declarations, a demo for your firm, or a bank integration? Write to us or book a call.

Developed by IndaPoint Technologies Private Limited, an AI-first software development company with 20 years of experience building software for clients worldwide.

India · HQ 311-315, Third Floor, Ananta Stallion, Gotri – Sevasi Rd, above Westside, Gotri, Vadodara, Gujarat 391101
USA 6451 Market Street, Apt 45, San Francisco, CA 94105 · +1 719 224 9719
Israel Tfutsot Israel 6b, Givatayim · +972 50 550 8082

Send us a message

We use your details only to reply to you.