UCO Bank EDF Form

UCO Bank guide · updated 28 Sep 2026

EDF for UCO Bank: how to fill and submit it

UCO Bank customers who receive export payments into their UCO account file their monthly EDF with UCO Bank, using the same RBI form every bank accepts. Before your first filing, confirm with your branch which AD code applies to your account and how the bank accepts EDFs, because the branch you visit and the branch that handles foreign exchange are not always the same.

Key takeaways

• If your foreign receipts land in UCO Bank, UCO Bank is your AD bank for those invoices.
• Ask your branch whether foreign exchange for your account is handled locally or through a linked forex branch, and get the AD code of whichever handles it.
• The bank's published EDF policy decides the channel. Ask for it rather than guessing.
• File one EDF per month, within 30 days from the end of the invoice month.
• Check every FIRA for the right purpose code. A wrong code is far easier to fix in the first week than in the ninth month.

Is UCO Bank your AD bank?

The AD bank for an EDF is normally the bank where the foreign money for those invoices lands. Run through these checks:

• Your export invoices show a UCO Bank account and its SWIFT details: file with UCO Bank.
• Some clients pay into UCO Bank and others into a different bank: file each invoice with the bank that receives it.
• You are a software exporter: you may file with UCO Bank as your AD bank, or with STPI.
• Your unit is inside an SEZ: file with the SEZ Development Commissioner, not the bank.

Your first month with UCO Bank, step by step

Here is how the first filing typically unfolds for invoices raised in January 2027, which are due by 2 March 2027 because February has 28 days.

Our EDF due date calculator gives you the exact deadline for any invoice date.

Getting the AD code from a UCO branch

The AD code identifies the branch authorised to handle your export transactions. It is different from your IFSC and SWIFT code, and it is not printed on your cheque book.

Some banks route foreign exchange business through designated branches that serve several ordinary branches. If that applies to your account, the AD code you need is the forex branch's code, not your home branch's. A short, signed letter asking "Please confirm the AD code applicable to export transactions on our current account no. ____" usually gets a clear answer. Our AD code request letter has the wording.

Agreeing the submission channel

Every bank must publish its own policy on how it accepts EDFs. Whether UCO Bank expects you at the branch counter, by email or through an online facility is something your branch can tell you from that policy. Ask once, in writing, and keep the reply.

While you are asking, check whether the bank wants a covering letter, a company seal on the form, or copies of invoices at the time of filing. These small formalities differ between banks and are a common reason forms come back.

A worked example

Tarang Engineering Services LLP, a Kolkata firm, prepares structural drawings and calculations for building contractors abroad. Its current account is with UCO Bank. In January 2027 it raised four invoices:

The partners prepared one EDF for January using the UCO Bank EDF form, with four Part 2B rows and the SAC code from each invoice. Field 1.1 was Services, field 1.4 Internet, and field 1.17 referred to Part 2B since there were three destination countries.

Payment terms were 60 days, so Tarang ticked "will be received" in Part 4 and entered 28 October 2027, the 9-month deadline for its latest invoice, as the date by which full value would be received. Every invoice was under ₹10 lakh, so after payment the firm planned to give a single realisation declaration for the quarter, subject to the bank's acceptance.

Reading your FIRA from UCO Bank

Each time a client pays, ask for the FIRA, FIRC or bank advice for that remittance. Check:

• Remitter name matches your client, or note the third party if someone else paid.
• Amount and currency match the invoice, with any deductions visible.
• Purpose code fits your service, for example P1009 for architectural, engineering and other technical services. Always confirm the code with the bank.
• Date of credit, which you will want for your realisation records.

If you need a formal copy for a GST refund or audit, our FIRC request letter is a quick way to ask.

When things go wrong

This is general information, not legal or tax advice. Your branch and the bank's published policy are the authority on process.

Frequently asked questions

Does UCO Bank use a different EDF format?

No. All banks receive the same form from the Annex to the FEMA Export and Import Regulations, 2026. UCO Bank may ask for a covering letter or other formalities under its own published policy, so check with your branch.

Which AD code do I use if my UCO branch does not handle forex itself?

Use the AD code of the branch that handles foreign exchange for your account. Ask your branch to confirm it in writing so your EDF is tied to the right branch in EDPMS.

Can I combine invoices to different countries on one UCO Bank EDF?

Yes. One EDF per month can cover all your service exports to one or more recipients. Each invoice gets its own Part 2B row with its own country, currency and amount.

What if I miss the EDF deadline with UCO Bank?

The bank may accept a delayed EDF for reasonable cause. File as soon as you can with a short letter explaining the delay. Do not wait for the next month's filing to catch up.

Do I need my FIRA before I file the EDF?

No. The EDF is due based on the invoice month, whether or not you have been paid. The FIRA comes later and is used to close the EDPMS entry once the money arrives.

Bottom line

With UCO Bank, the details that trip people up are the AD code and the channel, and both are solved by one written question to your branch. Then prepare the form with our free UCO Bank EDF form, file it early in the month, and keep each FIRA beside the matching invoice.

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.