India
GST-compliant invoice template for independent contractors (India)
Independent contractors and freelancers in India need GST tax invoices with SAC codes, taxable value, and correct CGST/SGST or IGST lines. Use the live editor below to build a compliant bill, add UPI or NEFT details, and download a PDF instantly.
Direct Answer: A GST-compliant contractor invoice in India includes GSTIN, SAC code, taxable value, and CGST/SGST or IGST lines on every bill. Independent contractors must also document TDS under Section 194J when clients deduct tax at source.
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Payout channels & tax withholding (India)
Compare Wise, PayPal, SWIFT, and domestic UPI rails — fees, speed, and TDS/Form 16A implications for independent contractors.
| Payout channel | Speed | Typical fees | Tax / withholding | Best for |
|---|---|---|---|---|
| Wise (USD → INR) | 1–2 business days | 0.4–1.5% FX margin + transfer fee | No TDS by Wise; report income in ITR | US/EU clients paying Indian freelancers regularly |
| PayPal (international) | Instant to PayPal; 1–3 days to bank | 3–5% FX spread + withdrawal fee to INR | No Form 16A; keep PayPal statements for filing | Small one-off payments under $500 |
| SWIFT wire (USD) | 2–5 business days | $15–45 intermediary + receiving bank charges | Client may not withhold; FIRC required for export | Large enterprise clients with AP departments |
| Direct INR (NEFT/IMPS/UPI) | Same day to 24 hours | Minimal domestic transfer fees | Client deducts TDS u/s 194J if applicable | Indian domestic clients and GST-registered billing |
| Stripe / Mercury (US entity) | 2–4 days after US payout | Platform + FX fees if repatriating | US 1099 if $600+ via US platform | Freelancers with a US LLC receiving client payments |
Frequently asked questions
Do independent contractors need GST invoices in India?
If you are GST-registered, you must issue tax invoices with GSTIN, SAC codes, and tax breakdowns for taxable supplies. Unregistered freelancers below the threshold may issue bills of supply.
What SAC code do contractors use?
SAC depends on your service — IT consulting, design, and professional services each have different codes. Confirm with your chartered accountant before filing.
How does TDS apply to contractor invoices?
Clients may deduct TDS under Section 194J (typically 10% for professional services). Your invoice should show the gross amount; the client issues Form 16A for the deduction.
Can I invoice US clients while GST-registered in India?
Yes — use export of services treatment with USD pricing, LUT where applicable, and FIRC when foreign remittance arrives. See our INR/US client billing guide.