Banking gateway

AD Bank

Role of Authorized Dealer banks in foreign exchange, document checking, EDPMS, IDPMS, and e-BRC workflows.

Last updated 15 June 2026Reviewed by Saurabh Sharma, Praveen Mairh

What it means

A practical view of AD Bank

The AD Bank is the practical bridge between the business transaction and India’s foreign exchange reporting systems. It reviews documents, processes payments, reports transactions, and supports closure.

How the flow works

01Receive shipment or import documents
02Check transaction and KYC details
03Process inward or outward payment
04Report in RBI-linked systems
05Support closure and certificates

workflow

AD Bank transaction flow

The bank is not only a payment channel; it checks documents, maps records, and supports closure.

1
Document submission
2
KYC and purpose check
3
Payment processing
4
EDPMS / IDPMS reporting
5
Query handling
6
Closure support

samples

Common bank-side references

These are the records teams usually need when following up with the AD Bank.

AD code01

Export bill reference02

Realization advice03

Import remittance reference04

Bank query note05

Reviewed context

Grounded by trade, banking, and documentation experience.

Managing Director

Saurabh Sharma

Experienced former banker with 15+ years in trade finance.

Trade finance, AD Bank workflows, export realization, and closure-sensitive banking follow-up.Former bankerView profile

Managing Director

Praveen Mairh

Experienced retired CBM from ICICI Bank with over 40 years of expertise.

Banking process review, transaction context, and practical trade operations guidance.Retired CBM from ICICI BankView profile

Documents involved

Bank KYC
Export bill documents
Import payment request
Shipping Bill / BOE
Realization advice
BRC / e-BRC data

Common mismatch points

Wrong AD code or bank branch details
Payment purpose does not match documents
Invoice value differs from bank realization value
Bank record is not linked to the customs record

Practical checklist

Confirm AD Bank and branch details before filing
Submit complete document sets shipment-wise
Track pending bank queries and closure dates
Reconcile bank records with EDPMS / IDPMS status

When to ask for help

A bank query is pending and the document trail is incomplete
Payment or realization references are not matching the shipment
You need a clearer follow-up file before contacting the AD Bank

Next step

Need AD Bank coordination support?

Share the bank query, shipment reference, and documents available so the team can review the follow-up path.

Request banking support

FAQs

Quick answers about AD Bank.

What is AD Bank?

Which documents are involved in AD Bank?

Bank KYC, Export bill documents, Import payment request, Shipping Bill / BOE, Realization advice, BRC / e-BRC data

When should a business ask for help with AD Bank?

A bank query is pending and the document trail is incomplete Payment or realization references are not matching the shipment You need a clearer follow-up file before contacting the AD Bank