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    <description>NBFC Factors remitting foreign-currency factoring proceeds to AD-I Banks must use the specified SWIFT message text so that AD-I Banks do not create Inward Remittance Messages for those funds. For Indian-currency funds released after export-bill discounting without a SWIFT message, customers seeking IRMs must approach the relevant Factor. Exporters may view NBFC Factor-linked remittance data on the DGFT portal and self-certify Electronic Bank Realisation Certificates by matching remittance details with invoices or shipping bills.</description>
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