What do "Dhara" and "Vatav" (CD) mean in Surat and Ahmedabad textile markets?

In the wholesale markets of Surat, Ahmedabad, and Mumbai, every buyer should know these two financial terms before negotiating:

• Dhara (Credit Period): The standard interest-free payment window (often 15, 30, or 45 days) agreed between established traders and mills before late-payment interest (typically 18% p.a.) applies.
• Vatav / CD (Cash Discount): If you pay immediately via RTGS/NEFT or UPI against delivery instead of using credit days, wholesalers commonly offer a 2% to 5% upfront discount on the base taxable bill.

Calculate your exact net landed cost per piece after Vatav, GST, and transport using our Kurti & Garment Margin Calculator and Fabric Margin Calculator.