Bank Realisation Certificate: How Exporters Self-Generate an eBRC

A bank realisation certificate is the proof that an export has actually been paid for. It closes the loop between the shipping bill you filed and the money that arrived, and without it most export benefit claims cannot be settled. The important thing to know in 2026 is that your bank no longer issues it. You generate it yourself on the DGFT portal, from the remittance data your bank reports.

This guide covers what changed, how the inward remittance message controls the whole process, the five steps to generate an eBRC, and the clubbing rules that stop most first attempts.

BRC Certificate or eBRC? What Changed

The terms are used interchangeably, and the paper BRC certificate is long gone. What is newer is who signs it.

DGFT moved the bank realisation certificate system to self-certification. Once a bank completes its API integration with DGFT, that bank stops issuing eBRCs for any inward remittance message dated on or after its cutoff date. Those become yours to generate. For remittances dated before the bank’s cutoff, the bank can still issue an eBRC under the legacy route, so for a period you will have both kinds in your records.

Banks did not disappear from the process. They became the data source, reporting remittances to DGFT and retaining view and download access for reconciliation. The certificate itself is now your declaration.

The IRM Decides Everything

The inward remittance message is the record your bank pushes to DGFT when foreign currency lands in your account. Everything about a bank realisation certificate follows from it, and DGFT’s own FAQ on self-certification is built around that point.

DGFT’s position is blunt: an exporter cannot generate an eBRC without an IRM. If the remittance is not showing on the portal, there is nothing to certify, and the fix is with your bank rather than with DGFT. That single fact resolves most of the panic around a missing BRC certificate, because the answer is almost always that the bank has not reported the remittance, not that DGFT has lost it.

So the first move on any missing certificate is to ask the branch whether the IRM has been transmitted, quoting the date and amount.

Generate a Bank Realisation Certificate in 5 Steps

Step 1: Log in to the DGFT portal with the account your IEC is linked to. If the code is inactive or unlinked, deal with that first, since our guide on checking that an IEC is active explains.

Step 2: Open Services, then eBRC, then Generate e-BRC. DGFT’s exporter manual walks through the same screens.

Step 3: Enter the IRM number. The system fills in the bank name, purpose code, currency and remittance amount for you. You can add more than one IRM, within the rules in the next section.

Step 4: Enter the export details. For goods, the shipping bill number and date, the port code, the bill currency and value, the AD code, the branch, the GSTIN benefit choice and any deductions. For a service export, the invoice number and date instead.

Step 5: Generate and download. The finished bank realisation certificate sits under My Dashboard, then Repository, with bill type set to e-BRC. Click the e-BRC number to print or download it.

Bank Realisation Certificate Clubbing Rules

Most failed bank realisation certificate attempts come down to combining remittances that DGFT will not let you combine.

• Only IRMs in the same currency can be clubbed. A dollar remittance and a euro remittance cannot sit on one certificate.
• Only IRMs from the same bank name and the same account number can be clubbed. Two banks means two certificates.
• One shipping bill can be used across two or more eBRCs of different banks. Split payments from different banking channels are fine, they just produce separate certificates.

Plan the mapping before you start rather than in the form. Where a buyer has paid in instalments through different banks, you are producing several certificates against one shipping bill, and that is normal.

Partial Settlement and the Balance IRM

One remittance rarely matches one shipping bill exactly, and the bank realisation certificate screen is built for that.

Against each IRM you enter the amount of the eBRC, meaning the portion of the available remittance you are using now. DGFT then calculates the balance as the remittance amount, less amounts already attached to other eBRCs, less any outward remittance amounts, less what you are using here. That balance stays available for the next certificate.

Watch that running balance. An IRM quietly consumed by an earlier certificate is the usual reason a later one will not generate for the amount you expect.

Amending or Cancelling a Bank Realisation Certificate

You can amend a bank realisation certificate you generated, and you can cancel one that was issued through DGFT. What you cannot do is cancel a certificate your bank issued under the legacy route. Those stay with the bank, and corrections have to go through the branch.

Bulk generation is available where you have many remittances to process, which is worth setting up if you are clearing a backlog rather than working certificate by certificate.

Why the Bank Realisation Certificate Matters Downstream

It is not paperwork for its own sake. Several things wait on it:

• Your AD bank cannot close the export entry in EDPMS without evidence of realisation, and an open entry eventually becomes a compliance problem.
• Deemed exports claims require it. The Handbook of Procedures requires payment through normal banking channels as per e-BRC before a claim can be filed at all.
• Export obligation discharge against an authorisation is evidenced with realisation proof.
• Star export house applications rest on export performance that has to be certified from your records.

How JPARKS INDIA Helps With eBRC Work

Three things to carry away. Your bank no longer issues the certificate for current remittances, you do. Nothing can be generated until the IRM is on the portal, so a missing bank realisation certificate is usually a bank reporting problem. And the clubbing rules on currency and account decide how many certificates one payment produces.

JPARKS INDIA handles export documentation, backed by S.K. Agency, AEO-LO customs brokers since 1990. We generate and reconcile eBRCs in bulk, chase branches for IRMs that were never transmitted, map part payments across shipping bills correctly, and clear the backlogs that hold up benefit claims.

Remittances received but no certificate showing? Send us the IEC and the remittance dates through our contact page.

Sitting on unrealised entries or a pile of ungenerated certificates? Book a free consultation with the JPARKS INDIA EXIM compliance team.

Frequently Asked Questions

Q1. Who issues the bank realisation certificate now?

You do. After a bank completes API integration with DGFT, it stops issuing eBRCs for remittances dated on or after its cutoff, and the exporter self-generates them on the DGFT portal.

Q2. Can I generate an eBRC without the IRM?

No. DGFT states plainly that an exporter cannot generate an eBRC without an inward remittance message. Ask your bank to transmit it.

Q3. Where do I find the bank realisation certificate once it is generated?

My Dashboard, then Repository, with bill type set to e-BRC. Click the number to print or download it.

Q4. Can two remittances be combined on one certificate?

Only if they are in the same currency and from the same bank name and account number.

Q5. Can one shipping bill appear on more than one eBRC?

Yes. A single shipping bill can be used across two or more eBRCs of different banks, which is what happens when a buyer pays through more than one channel.

Q6. What if the payment is only partial?

Enter the amount you are using now. The portal tracks the balance remaining on that IRM for later certificates.

Q7. Can I cancel a bank realisation certificate?

You can cancel one issued through DGFT. Certificates issued by a bank under the legacy route have to be dealt with by the bank.

Q8. Is a BRC certificate the same as an eBRC?

Yes in everyday use. The certificate has been electronic for years, and what changed recently is that the exporter generates it rather than the bank.