How Do You Receive BDT (Bangladeshi Taka) Payments in India in 2026?

The table ranks platforms with full published pricing for BDT by the INR received on BDT 620,000, then lists other business platforms that accept BDT, unranked. Fees were checked on 30 Sept 2026 or later.

The real BDT to INR rate is the mid-market rate, the midpoint between buying and selling prices. Banks, cards and platforms convert at rates below it, often through US dollars. For example, at an example mid-market rate of ₹0.72 per taka, BDT 5,00,000 is ₹3,60,000, and a rate of ₹0.70 pays ₹10,000 less. See the mid-market rate.

Today's rate, its history and every platform's payout are on the BDT to INR rate page.

Each row applies the platform's published fee, FX markup and 18% GST on the fee to the mid-market rate of ₹0.7617 per BDT for 4 Nov 2026.

You usually cannot hold taka itself in India. A person resident in India can keep export earnings in an EEFC account, and trade payments from Bangladesh normally arrive as ACU Dollars, which are US dollar amounts. Ask your AD bank which currencies it offers. See EEFC account benefits.

• Eligibility: Any person resident in India can open an EEFC account with an AD bank under Schedule I to FEMA 10(R), as set out in para 3.1 of the Master Direction on Deposits and Accounts.
• Credits: Up to 100 percent of foreign exchange earnings received through normal banking channels, other than loans or investments, may be credited (para 3.1(1)). The account is non-interest bearing under para 3.1(4).
• Conversion rule: Monthly accruals should be converted into rupees by the last day of the next month, after adjusting for approved uses or forward commitments (para 3.1(6)). Ask your AD bank how it applies this.
• Alternative: If your bank does not hold the currency you receive, it converts the amount to rupees on arrival. Invoicing in rupees is another option, which also gives 12 months for realisation under Regulation 5. See invoicing exports in INR.

• Spot: Convert the amount to rupees on the day it arrives at the rate your bank or provider quotes. Taka payments usually reach India as US dollars, so the dollar to rupee rate on that day decides most of what you receive.
• Forward contract: Book a forward with your AD bank against a real export exposure, usually in US dollars because ACU settlement is in ACU Dollars. The amount and tenor cannot exceed the exposure under para 2.4 of the Master Direction on Risk Management. See RBI hedging rules for exporters.
• Limit order: Some banks and providers let you set a target rate and convert automatically when it is reached. RBI does not set a standard product for this, and BDT-INR is not among the exchange-traded pairs listed in para 3.2, so check availability with your bank.
• Natural hedge: If you pay costs abroad, you can keep foreign currency earnings in an EEFC account and pay those costs from it, as payments outside India are permitted debits under para 3.1(2).

BDT receipts for exports follow India's export rules plus the Asian Clearing Union rules. Trade payments between residents of India and other ACU members, except Nepal and Bhutan, go through the ACU mechanism or as RBI directs. Since 1 October 2026, the FEMA (Export and Import of Goods and Services) Regulations, 2026 require an EDF and realisation within nine months.

• ACU settlement: RBI's 2015 ACU circular says eligible export and import transactions with ACU members shall invariably be settled through the ACU mechanism, using ACU Dollar or ACU Euro accounts, unless RBI has given an exemption. Only goods and services payments are eligible. See Asian Clearing Union payments.
• Purpose code: Choose the code that matches the service, such as P0802 'Software consultancy/implementation (other than those covered in SOFTEX form)' or P1006 'Business and management consultancy and public relations services' from the RBI purpose code list. See P0802 purpose code.
• EDF: Service exporters file an EDF within 30 days from the end of the invoice month under Regulation 3(2). The EDF replaced SOFTEX for software from 1 October 2026 under A.P. (DIR Series) Circular No. 20. See EDF form for exports.
• Realisation: The full export value must be realised within nine months of the invoice date, or 12 months if invoiced or settled in INR, under Regulation 5. For invoices up to ₹10 lakh, your AD bank may close the EDPMS entry on your declaration under Regulation 4. See export realisation period.
• FIRA: FIRA is not a term defined in RBI rules. GST refund rules refer to a BRC or FIRC issued by an AD bank under Rule 89(2)(c). See what FIRA means.

Rules and rails are linked to official sources below with the dates they were checked. Platform figures come from each platform's own pages, checked on 30 Sept 2026 or later, and RBI authorisation was checked against RBI's published list. Rates are ExchangeRate-API open access feed, dated 4 Nov 2026. The method is on the methodology page.

1. RBI: Foreign Exchange Management (Export and Import of Goods and Services) Regulations, 2026 (FEMA 23(R)/2026-RB, as amended), Reg 3(2) services EDF within 30 days from end of invoice month; Reg 4(2) EDPMS closure on declaration up to Rs 10 lakh; Reg 5 realisation nine months, twelve months if invoiced or settled in INR. (checked 8 Oct 2026)
2. RBI: A.P. (DIR Series) Circular No. 20 dated 16 January 2026, Supersedes Master Directions on Export/Import and SOFTEX circulars from 1 October 2026. (checked 8 Oct 2026)
3. RBI: Foreign Exchange Management (Manner of Receipt and Payment) Regulations, 2023 (as amended 10 February 2025), Reg 3(2)(I)(a)(ii), as substituted on 10 February 2025: member countries of ACU other than Nepal and Bhutan, payments from a resident of one participant country to a resident of another through ACU mechanism or as per RBI directions; other transactions as in (iii). (checked 8 Oct 2026)
4. RBI: A.P. (DIR Series) Circular No. 21 dated 8 October 2015, Memorandum of Procedure for channeling transactions through ACU, Para 3: export payments by debit to the ACU Dollar / ACU Euro account in India of a bank of the member country; para 4: eligible transactions with ACU members shall invariably be settled through ACU except where RBI has given specific exemptions. (checked 8 Oct 2026)
5. RBI: A.P. (DIR Series) Circular No. 63 dated 18 October 2013, ACU Board decision of 19 June 2013 to include only export/import of goods and services among ACU countries as eligible under the ACU mechanism. (checked 8 Oct 2026)
6. RBI Master Direction: Deposits and Accounts, Para 3.1 EEFC: 100 percent of foreign exchange earnings through normal banking channel; permitted debits include payments outside India; non-interest bearing; accruals converted by last day of succeeding month after approved uses or forward commitments. Para 3.1(4) non-interest bearing. (checked 8 Oct 2026)
7. RBI Master Direction: Risk Management and Inter-Bank Dealings, Para 2.4(i) notional and tenor not to exceed exposure; para 3.2(ii) exchange-traded pairs USD-INR, EUR-INR, GBP-INR, JPY-INR, EUR-USD, GBP-USD, USD-JPY. (checked 8 Oct 2026)
8. RBI Master Direction on Regulation of Payment Aggregators, PA-CB maximum value per inward or outward transaction Rs 25 lakh; settlement per PA and merchant agreement; documents for EDPMS closure. (checked 8 Oct 2026)
9. RBI A.P. (DIR Series) Circular No. 84 (2012), FETERS purpose codes, P0802 Software consultancy/implementation (other than those covered in SOFTEX form); P1006 Business and management consultancy and public relations services. (checked 8 Oct 2026)
10. CGST Rules, 2017, Rule 89, Rule 89(2)(c): refund for export of services supported by BRC or FIRC. (checked 8 Oct 2026)
11. IGST Act, 2017, Section 16, 16(1) export of services is zero rated; 16(3) supply under bond or LUT without payment of integrated tax. (checked 8 Oct 2026)
12. IGST Act, 2017, Section 2, Section 2(6)(iv): export of services requires payment received in convertible foreign exchange or in Indian rupees wherever permitted by RBI. (checked 8 Oct 2026)
13. CGST Rules, 2017, Rule 96A, Rule 96A(1): LUT in FORM GST RFD-11 furnished prior to export; (1)(b) payment in convertible foreign exchange or in Indian rupees wherever permitted by RBI. (checked 8 Oct 2026)
14. Bangladesh Bank: Exchange Rate of Taka, The exchange rate of the Taka against the US Dollar is determined based on interbank transactions in the domestic foreign exchange market; cross rates table includes INR. (checked 8 Oct 2026)
15. Bangladesh Bank: ACU Payment, ACU established 1974 to settle trade transactions among members on a net multilateral basis; denominated in ACU Dollar, ACU Euro and ACU Yen. Page publishes Bangladesh Bank's bi-monthly ACU payment table. (checked 8 Oct 2026)
16. Bangladesh Bank: Payment Systems, BACPS, BEFTN, NPSB and BD-RTGS interbank systems in Bangladesh; BD-RTGS customer minimum Tk 1,00,000. (checked 8 Oct 2026)
17. Bangladesh Bank: Guidelines for Foreign Exchange Transactions (GFET), Vol 1, Chapters on authorised dealers, remittances (outward, inward), commercial remittances and payment through international cards. (checked 8 Oct 2026)
18. Income Tax Department: India-Bangladesh DTAA, Art 7(1) business profits taxable only in residence state unless PE; Art 13(2) royalties source tax up to 10% of gross; Art 15(1) independent personal services taxable only in residence state except where conditions such as a fixed base apply; Art 25(1) credit for residents of India. (checked 8 Oct 2026)
19. Stripe India pricing, International cards with USD/other currency presentment 4.3% + 2% if currency conversion is required; Mastercard and Visa cards issued outside India 3% + 2%; American Express outside India 3.5% + 2%; dispute received INR 1,000.00 (checked 7 Oct 2026)
20. Cashfree Docs: Global Collections overview (checked 6 Oct 2026)
21. Tazapay Pricing, Global Collection Accounts: *Contact sales; Global Cards 3.8% + USD 0.5; APMs 0.8%-2.5%; FIRC (India) USD 4; Custom tier: Volume-Based Discounts, Payment Method-Specific Rates, Customized FX (checked 7 Oct 2026)