Export order haath mein hai par bank packing credit ke liye property girvi maang raha hai? Jan 2026 se Export Promotion Mission (Niryat Protsahan) mein MSME exporters ke export working capital par sarkari guarantee milti hai — micro / small ko 85%, medium ko 65%, saal mein ₹10 crore tak. Neeche check karein — aapka loan cover hoga ya nahi, kitni guarantee, aur bank ko kya dena hai. Free, no login.
Exporter Collateral-Free Loan Checker (EPM Guarantee)
Bank asking for property papers for your packing credit or export working capital? Check if your loan can get the government guarantee under the Export Promotion Mission (Niryat Protsahan) — 85% for micro & small, 65% for medium exporters, up to ₹10 crore. एक्सपोर्ट लोन बिना प्रॉपर्टी गिरवी — सरकारी गारंटी।
Free guide, not a loan approval. Based on DGFT’s collateral support for export credit under the Export Promotion Mission – Niryat Protsahan (launched 2 Jan 2026, implemented through CGTMSE): guarantee up to 85% for micro & small and 65% for medium exporters, up to ₹10 crore guaranteed exposure per exporter per year, for export working capital of MSME manufacturer and merchant exporters with Udyam + IEC, for products on the positive list. Fee estimate uses CGTMSE’s annual guarantee fee slabs (from 1 Apr 2025); actual fee depends on CGTMSE risk rating and your bank. Last checked 4 Oct 2026.
Scheme ek nazar mein
| Point | Niyam |
|---|---|
| Micro / small exporter | 85% guarantee (75% CGTMSE + 10% mission fund) |
| Medium exporter | 65% guarantee |
| Limit | ₹10 crore guaranteed exposure per exporter per saal |
| Kaunsa loan | Export working capital — pre-shipment aur post-shipment |
| Kaun | Udyam + active IEC wale manufacturer aur merchant exporter |
| Product | DGFT positive list ke HS 6-digit codes |
| Kaun chalata hai | CGTMSE ke through |
Bank ko kya dena hai
- DGFT portal se UIN (online intent file karke).
- Udyam certificate aur IEC.
- Pichhle 3 saal ke turnover ka CA certificate.
- Self-attested export purchase order.
Example
Small exporter, ₹2 crore packing credit limit. Guarantee 85% = ₹1.70 crore; bank ka apna risk sirf ₹30 lakh. CGTMSE slab se saalana fee lagbhag 0.85% ≈ ₹1.7 lakh (bank de sakta hai ya aap se le sakta hai).
Dhyaan rakhein
- Machinery / building ka term loan isme nahi — uske liye regular CGTMSE (micro / small).
- NPA account wale ko guarantee nahi milti.
- Isi export credit par 2.75% interest subvention bhi le sakte hain — uska UIN alag.
- Bank mana kare toh likhit mein wajah maangein; branch ke baad regional office / RBI CMS.
Aksar pooche jaane wale sawaal
Exporter ko bina collateral loan kaise milta hai? Export Promotion Mission (Niryat Protsahan) ki collateral support scheme mein bank ka export working capital CGTMSE ke through guarantee hota hai — micro / small ko 85%, medium ko 65% — isliye bank property girvi ke bina loan de sakta hai.
Collateral support ki maximum limit kya hai? ₹10 crore guaranteed exposure per exporter per financial year.
Medium exporter ko kitni guarantee milti hai? 65%. Micro aur small ko 85% (75% CGTMSE + 10% mission fund).
Kaun se documents chahiye? DGFT ka UIN, Udyam, IEC, pichhle 3 saal ke turnover ka CA certificate aur export purchase order.
Term loan par ye guarantee milti hai? Nahi, ye export working capital (pre- aur post-shipment) ke liye hai. Machinery loan ke liye micro / small units regular CGTMSE le sakti hain.
Free guide, loan approval nahi. Source: DGFT / Department of Commerce — Collateral Support for Export Credit under Export Promotion Mission – Niryat Protsahan (2 Jan 2026), via CGTMSE; fee slabs: CGTMSE (1 Apr 2025). Last checked 4 Oct 2026.
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