Finance, treasury and trade finance
Lending, factoring and group treasury from GIFT IFSC; Receivables, factoring and the ITFS platforms.
Finance Companies & Treasury Centres
Non-bank lenders and corporate groups use GIFT IFSC for lending, factoring and centralised treasury. Since November 2025, IFSCA finance companies in specified activities have relief from the section 186 limits of the Companies Act.
For Indian groups especially, an IFSC treasury centre can bring offshore cash management home.
A multinational setting up a regional treasury centre
A group wants a treasury hub for its Asian subsidiaries.
A Global or Regional Corporate Treasury Centre.
The steps
- Confirm the activities fit the framework.
- Register as a finance company or unit.
- Document cash pooling and intra-group loans.
Points that need care
- Transfer pricing of treasury services.
An Indian group centralising offshore treasury
An Indian parent wants its overseas cash and funding managed from GIFT City.
An IFSC treasury entity, funded as overseas direct investment.
The steps
- Make the ODI filings from the parent.
- Test the section 147(5) splitting-up condition.
- Register and set intra-group terms.
Points that need care
- A unit formed by splitting up an existing business may not qualify for the deduction.
A lender providing USD loans into India
A finance company wants to lend to Indian borrowers.
Lending as a finance company; ECB for the borrower.
The steps
- Register under the FC Regulations.
- Check borrower eligibility and end-use under ECB rules.
Points that need care
- The ECB conditions sit on the borrower.
A private credit platform
A credit fund or lender wants a GIFT entity for structured lending.
A finance company, or a restricted scheme for fund structures.
The steps
- Choose between a lending entity and a fund.
- Document security and intercreditor arrangements.
Points that need care
- Security over Indian assets is taken under Indian law.
Trade Finance
Exporters and importers raise trade finance through the International Trade Financing Services platforms in GIFT IFSC. IFSCA's NIRYAT scheme (March 2026) supports export factoring for smaller businesses.
Financiers participate as banks, finance companies or factors.
A financier joining an ITFS platform
A bank or factor wants to finance receivables.
Participation on an ITFS platform.
The steps
- Register as financier.
- Agree platform terms.
An exporter raising finance
An Indian exporter wants to discount receivables.
Listing receivables on an ITFS platform.
The steps
- Onboard to the platform.
- Assign receivables.
Points that need care
- FEMA rules for export proceeds.
A factoring business
A firm wants to factor and forfait from GIFT City.
Finance company registration for factoring.
The steps
- Register.
- Document recourse and assignment.
Talk to the firm about your plans.
A short note on what you are setting up is enough for a first conversation. No confidential information is needed at this stage.
Arrange a consultation →