Amazon Global Selling, Etsy, eBay ya apni website se videsh mein bechte hain, par stock aur shipping ke liye paisa atak jata hai? Export Promotion Mission mein ab e-commerce exporters ke liye alag loan hai: ₹50 lakh tak (overseas warehouse stock ho to ₹5 crore tak), bank ko 90% / 75% sarkari guarantee, aur interest mein 2.75% ki chhoot. Neeche check karein — aap eligible hain ya nahi, kaunsi facility, aur loan ka asli kharcha. Free, no login.
E-Commerce Export Loan Checker (Export Promotion Mission)
Sell abroad on Amazon Global, Etsy, eBay or your own website? Under the Export Promotion Mission, banks can give MSME e-commerce exporters up to ₹50 lakh (₹5 crore if you keep stock abroad) with a government guarantee and 2.75% off the interest. Check if you qualify, which facility fits and what the loan really costs. ई-कॉमर्स एक्सपोर्ट के लिए सरकारी गारंटी वाला लोन।
Free guide, not a sanction. Based on Credit Assistance for e-Commerce Exporters under the Export Promotion Mission – Niryat Protsahan (DGFT Trade Notice 31/2025-26, 6 Mar 2026; PIB, 24 Feb 2026), run by Exim Bank with NCGTC: Direct E-Commerce Credit up to ₹50 lakh with up to 90% guarantee (fee 0.5% p.a.); Overseas Inventory E-Commerce Credit up to ₹5 crore with up to 75% guarantee (fee 1% p.a.); 2.75% interest subvention capped at ₹15 lakh per applicant per year; tenure up to 365 days; MSME with Udyam + IEC and 6 months of postal / courier exports, overseas or hub stock, or (new exporters) 1 year of domestic e-commerce. Fees are reviewed every 1 April and 1 October. Last checked 4 Oct 2026.
Do facilities, ek nazar mein
| Point | Direct e-commerce credit | Overseas inventory credit |
|---|---|---|
| Kiske liye | Post / courier se seedha grahak ko export | Videsh / export hub warehouse mein stock |
| Limit | ₹50 lakh tak | ₹5 crore tak |
| Sarkari guarantee | 90% tak | 75% tak |
| Guarantee fee | 0.5% saalana | 1% saalana |
| Interest chhoot | 2.75% | 2.75% |
| Chhoot ki limit | ₹15 lakh / saal | ₹15 lakh / saal |
| Muddat | 365 din tak | 365 din tak |
Kaun eligible hai
- MSME, Udyam registration ke saath, aur IEC Udyam se linked (DGFT Denied Entity List mein nahi).
- In mein se ek: kam se kam 6 mahine ka post / courier export record; ya overseas warehouse mein stock; ya E-Commerce Export Hub mein stock.
- Naye exporter: kam se kam 1 saal ka regular domestic e-commerce (Amazon.in, Flipkart, Meesho, apni website).
- Loan sirf scheduled commercial banks / all-India financial institutions se — cash credit, overdraft ya working capital.
- Nahi milta: deemed exports, SEZ supplies, aur woh loan jis par pehle se koi aur sarkari guarantee ho.
Ek example
Jaipur ka ek small unit Etsy aur apni website se courier se jewellery bechta hai (2 saal se). Use ₹25 lakh ka working capital 12 mahine ke liye chahiye, bank rate 10.5%. Interest ₹2,62,500; 2.75% chhoot = ₹68,750 bachat; guarantee fee 0.5% = ₹12,500. Net kharcha ₹2,06,250 — yaani asal mein ~8.25%, aur bank ko 90% guarantee milne se collateral ki shart halki.
Apply kaise karein
- DGFT portal par IEC se login karke is scheme ka UIN banaiye.
- UIN lekar bank jaiye aur “EPM e-commerce credit facility” maangiye.
- Bank Exim Bank ko guarantee request bhejta hai — ~3 working days mein in-principle, phir NCGTC cover confirm karta hai.
- Limit 365 din tak ke liye sanction; 2.75% chhoot bank interest mein hi upfront deta hai.
- Documents: IEC, Udyam, CA ka 2 saal ka export turnover certificate (courier exporters), warehouse stock report, marketplace statements, GST returns, bank statements.
Dhyan dein
- Ek hi loan par yeh scheme aur general export credit subvention (2.75%) dono nahi milenge — bank ek hi lagayega.
- Fees aur terms har 1 April aur 1 October ko review hote hain.
- Bank ki apni credit appraisal hoti hai — guarantee milne ka matlab automatic sanction nahi.
- Fraud / wilful default accounts guarantee se bahar hain.
Aksar pooche jaane wale sawaal
E-commerce exporters ke liye sarkari loan kya hai? Export Promotion Mission (Niryat Protsahan) ki Credit Assistance for e-Commerce Exporters scheme mein bank MSME e-commerce exporters ko working capital deta hai. Direct facility ₹50 lakh tak (90% sarkari guarantee) aur overseas inventory facility ₹5 crore tak (75% guarantee). Saath mein 2.75% interest subvention, saal mein ₹15 lakh tak.
Kaun apply kar sakta hai? Udyam registration wale MSME jinka IEC Udyam se linked ho, aur jinke paas 6 mahine ka post / courier export record ho, ya overseas warehouse / E-Commerce Export Hub mein stock ho. Naye exporter ke liye 1 saal ka domestic e-commerce record chahiye.
Guarantee fee kitni hai? DGFT guidelines ke hisaab se direct facility par 0.5% saalana aur overseas inventory facility par 1% saalana. Fee har 1 April aur 1 October ko review hoti hai, isliye bank se current rate confirm karein.
Apply kaise karein? DGFT portal par IEC se UIN banaiye, phir kisi scheduled commercial bank mein UIN ke saath jaiye. Bank Exim Bank ko guarantee ke liye bhejta hai — lagbhag 3 working days mein in-principle jawab, phir NCGTC cover confirm karta hai.
Kya isme collateral chahiye? Scheme bank ko 90% / 75% guarantee deti hai, isliye collateral ka dabav kam hota hai. Lekin margin aur security bank ki apni credit policy par depend karti hai — sanction letter mein dekhiye.
Source: DGFT Trade Notice 31/2025-26 (6 Mar 2026) — Credit Assistance for e-Commerce Exporters under Export Promotion Mission – Niryat Protsahan; PIB note on EPM credit interventions (24 Feb 2026); Exim Bank guidelines for banks. Last checked 4 Oct 2026.
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