The all-in cost of export finance is usually higher than your sanction letter shows.
We quantify the gap, benchmark it, and support you to bring it down.
Most exporters carry a packing credit at 7 to 8 percent on their sanction letter. When every charge is measured against industry benchmarks — FX conversion spread against the CCIL interbank standard, ECGC premium against RBI guidelines, facility structure against what the working-capital cycle actually requires — the all-in cost across our client engagements consistently works out to 9 to 11 percent.
What the audit inspects
A treasury audit is measurement, not opinion. We inspect both sides — what your banking costs, and how your treasury performs — and put a rupee figure on each.
Bank Charges & Commissions
We check every processing fee, commission, and forex spread against your bank's own tariff and the CCIL benchmark.
Overseas Bank Charges
Correspondent banks quietly deduct charges from inward remittances, often on the wrong OUR / BEN / SHA setup. We audit each deduction.
Trade Finance Cost
We test whether PC INR, PCFC, or bill discounting is the cheapest route for your cash cycle each month.
FX Risk & Hedge Efficiency
We measure realised rate versus priced rate on every bill, separate real performance from accounting gain / loss, and review forward timing.
Payment Terms & Shortfalls
We examine LC, DP, DA, and open-account terms, LC discrepancy charges, and delayed-realisation days.
Working Capital Cycle
We map DSO, DIO, and DPO to show where cash is stuck — inventory, receivables, or payables.
The audit quantifies every leak. From there we stay with you — supporting your bank negotiations, and advising through FX, interest cost, and working capital — until the numbers improve.
See what's recoverable. Then decide.
Share last quarter's bank statements and a few export bills. We quantify the leakage and walk you through it in thirty minutes — no pitch, no package.