Buyer 90–120 din baad paisa deta hai aur aap export invoice factor ko bech kar jaldi paisa lete hain? Ab Export Promotion Mission mein factoring ke discount par 2.75% sarkar wapas deti hai — saal mein ₹50 lakh tak (20 Feb 2026 se). Shart: factoring se pehle DGFT par UIN. Neeche check karein — milega ya nahi, har invoice aur saal mein kitna. Free, no login.
Export Factoring Subvention Calculator (2.75%)
Sell your export invoices to a factor to get paid early? Since 20 Feb 2026 MSME exporters get 2.75% of the factoring discount back from the government — up to ₹50 lakh a year. Check if you qualify, how much comes back per invoice and per year, and the steps. फैक्टरिंग के ब्याज पर 2.75% वापस।
Free guide, not an approval. Based on Export Factoring support under the Export Promotion Mission – Niryat Protsahan (DGFT Trade Notice 25/2025-26, 20 Feb 2026; PIB, 24 Feb 2026): 2.75% interest subvention on the discount / interest part of export factoring by RBI or IFSCA-regulated factors, recourse or non-recourse, in rupees or foreign currency; cap ₹50 lakh per MSME per financial year; MSME with Udyam + active IEC, products on the notified positive list (about 4,139 HS 6-digit lines); declaration of intent (UIN) on the DGFT portal before factoring, one per factor, valid till the end of the financial year; factor files IEC-wise claims monthly and the subvention is paid to the exporter’s IEC-linked bank account; deemed exports and SEZ supplies excluded; factoring on or after 20 Feb 2026. Last checked 4 Oct 2026.
Factoring subvention ek nazar mein
| Point | Niyam |
|---|---|
| Kitna | Discount / interest par 2.75% saalana |
| Limit | ₹50 lakh per MSME per saal |
| Kaun | Udyam + active IEC wale MSME exporter |
| Kya bechna | Positive list ke ~4,139 HS lines |
| Factor | RBI / IFSCA regulated (bank, factoring co., GIFT City unit) |
| Prakar | Recourse ya non-recourse; INR ya foreign currency |
| Paisa kaise | Factor monthly claim karta hai, paisa aapke bank khate mein |
| Nahi milta | SEZ supply, deemed export, fees |
Ek example
Ludhiana ka small garment exporter ₹20 lakh ka invoice factor ko deta hai, 80% (₹16 lakh) turant milta hai, discount 12% saalana, buyer 90 din mein paise deta hai. Discount = ₹47,342. Subvention 2.75% = ₹10,849 wapas, net kharcha ₹36,493 — yaani asal rate ~9.25%. Saal mein 12 aise invoice = ~₹1.3 lakh wapas.
Factoring ya bank ka post-shipment loan?
Dono par 2.75% milta hai, lekin ek hi invoice par sirf ek. Bank ka packing credit / post-shipment loan sasta ho sakta hai par collateral aur limit chahiye. Factoring mein buyer ki credit par paisa milta hai, aur non-recourse mein buyer default ka risk bhi factor leta hai. Bank loan wale subvention ke liye hamara export interest subvention calculator dekhein.
Apply kaise karein
- RBI / IFSCA regulated factor chuniye aur limit set karaiye.
- DGFT portal par us factor ke liye declaration of intent dekar UIN banaiye — factoring se pehle.
- UIN factor ko dijiye aur positive-list products ke export invoices factor karaiye.
- Factor har mahine IEC-wise claim daalta hai; subvention aapke IEC-linked bank account mein aata hai.
- Har invoice ka discount statement aur e-BRC sambhal kar rakhiye.
Aksar pooche jaane wale sawaal
Export factoring subvention kya hai? Export Promotion Mission (Niryat Protsahan) mein MSME exporters ko export factoring ke discount / interest par 2.75% saalana subvention milta hai, saal mein ₹50 lakh per MSME tak. 20 Feb 2026 ke baad ki factoring par lagu.
Kaun se factor se factoring karni hogi? RBI ya IFSCA regulated factor se — authorised dealer bank, RBI-registered factoring company, ya GIFT City ki IFSCA unit. Recourse aur non-recourse dono, rupee ya foreign currency dono chalte hain.
Subvention kaise milta hai? Factor har mahine IEC-wise claim portal par daalta hai aur 2.75% aapke IEC se jude bank account mein aata hai. Isliye factor se har invoice ka discount charge wala statement lein.
UIN kab banana hai? Factoring se pehle DGFT portal par declaration of intent dekar. Har factor ke liye alag UIN, jo financial year ke ant (31 March) tak valid rehta hai.
Kya fees par bhi subvention milega? Nahi. Sirf discount / interest wale hisse par. Processing fee, service charge aur credit insurance premium cover nahi hote.
Source: DGFT Trade Notice 25/2025-26 dated 20 Feb 2026 — Alternative Trade Instruments (Export Factoring) under Export Promotion Mission – Niryat Protsahan; PIB note on EPM credit interventions (24 Feb 2026). Last checked 4 Oct 2026.
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