For Exporters
You priced the deal in dollars
Keep more of it in rupees
What is your last mile costing you?
Tell us about your next export invoice. Our team will call you back.
Funding is the easy half. The last mile is where margin leaks.
Five separate charges sit on the settlement leg of every export invoice. Here is what each one takes — and what happens to it on the INRExpress route.
Your current AD-bank route
Comes off the top before the rupees ever reach your working-capital account — most of it on the conversion, the rest in flat charges nobody itemises for you.
FX spread over the interbank rate. On a $1M month, each 0.25% you don't negotiate is roughly ₹2.2 lakh — quietly, every month.
Correspondent bank charges, taken before the money reaches your bank.
SWIFT charges, applied whether the transfer is $10,000 or $500,000.
Processing charges on every settlement, on top of everything above.
Three days between the receivable settling and the rupees being usable.
With INRExpress
Four of those five charges simply don't apply.
Minimal SWIFT charges
Credlix remits domestically in INR, so there is no wire to pay for.
No intermediary bank fees
No correspondent sits between your buyer's bank and yours on this route.
Nil processing charges
No per-settlement processing fee — and no GST on a fee that isn't levied.
No GST charges
The one charge that remains, converted through Credlix's bankers — not a spread you never see.
Where the leakage goes — and where it stops.
On a typical USD export invoice financed under a Credlix facility.
*Illustrative benchmarks, not a guarantee of savings. Exact spreads, charges and settlement timing vary by bank, tenor, currency and ticket size, and are subject to eligibility and cut-off times.
Same receivable. A cleaner route home.
Nothing changes about your export factoring facility or your buyer relationship. Only the settlement leg moves.
Nominate the invoice
Flag the USD, EUR or GBP invoices financed under your Credlix facility.
Credlix converts
Foreign currency is converted to INR through Credlix's bankers at market-competitive rates.
INR lands in your account
The rupee equivalent is credited to the CC, OD or Current Account you already operate from.
eFIRA is issued
You get eFIRA for EDPMS reconciliation with your AD bank — no chasing.
More rupees, sooner, with the paperwork already done.
Less lost in conversion
The avoidable spread and per-transaction charges on the settlement leg come down. What you negotiated is closer to what you bank.
No correspondent detour
Credlix remits directly, so the intermediary deductions between your buyer's bank and yours don't apply on this route.
Usable money in 24 hours
INR is credited into the working-capital account you already run, within 24 hours, subject to eligibility and cut-off times.
EDPMS stays clean
eFIRA is shared for reconciliation with your AD bank, cutting the documentation follow-ups your finance team runs every month.
Built for export receivables
Designed around financed export invoices and their compliance trail — not a general-purpose money transfer app.
A regulated counterparty
Credlix is an RBI-registered NBFC, IFSCA-registered in GIFT City, and part of the Moglix group.
Trade finance Indian exporters already run on
75,000 +
Invoice Funded
5000 +
MSMEs Onboarded
$1 Bn+
Export Financing
120 +
Cities Served
Questions exporters ask first
What is INRExpress by Credlix?
Who can use it?
Which currencies are supported?
Does it replace export factoring?
Will I receive eFIRA?