Remittance & AD-Bank Liaison
The remittance that will not move is India's most universal treasury complaint — and it is almost never actually about the bank. Authorised dealer banks carry regulatory liability for the transactions they process, so they decline or question anything incomplete: a missing Form 15CA/CB, an agreement that does not match the invoice, a withholding position they cannot verify, a purpose code that sits oddly against the documentation. From the company's side this looks like obstruction; from the bank's side it is self-preservation. The cure is not escalation but completeness.
We make remittances complete before they are submitted. Documentation packs are built to AD-bank standard — the agreement, invoice, tax certificates, and purpose coding aligned and internally consistent; the chartered accountant certification (Form 15CB) is prepared with the withholding analysis done properly rather than defensively over-withheld; bank queries are answered once, fully, from the file; and for companies with recurring payment types, we fix the problem at its root — standing documentation frameworks agreed with the bank so the monthly royalty or quarterly service fee stops being a monthly or quarterly negotiation.
What this covers
- Remittance documentation packs prepared to AD-bank acceptance standard.
- Form 15CA/15CB certification with rigorous withholding analysis — neither exposed nor over-withheld.
- Purpose-code strategy: correct coding that matches documentation and survives bank scrutiny.
- Query management: bank questions answered completely from a prepared file.
- Root-cause frameworks for recurring flows, pre-agreed with your bank.
Who needs this
Finance teams with payments stuck in banking channels; companies making recurring cross-border payments that renegotiate themselves every cycle; and treasurers who want remittances to be operations, not projects.
How we deliver
- Documentation packs built to AD-bank standard: agreements, invoices, and certificates aligned.
- 15CA/CB certification with rigorous withholding analysis.
- Root-cause frameworks agreed with your bank for recurring flows.
Why A2 Consultants
Banks process our packs because they arrive complete and internally consistent — years of daily AD-bank interaction taught us exactly what each desk needs, and stuck payments are usually released by supplying it.
Engagement & what to expect
Stuck-payment engagements move immediately: the file diagnosed within days, missing documentation identified and assembled, and the resubmission managed through bank queries to release — most matters resolving within two to six weeks depending on what was actually missing. Recurring-flow engagements fix the root cause: documentation frameworks pre-agreed with your bank per payment type, certificates templated, and the monthly royalty or quarterly fee converted from negotiation to process. The steady state our clients reach is unremarkable in the best way: remittances that simply happen.
A stuck remittance is a documentation problem wearing a banking costume — we fix the documentation and the banking follows.