MSME exporter hain aur packing credit ya bill discounting loan lete hain? 2 January 2026 se Export Promotion Mission (Niryat Protsahan) mein rupee export credit par 2.75% saalana byaj chhoot (interest subvention) milti hai — saal mein ₹50 lakh tak. Par sirf tab jab DGFT par UIN time par bane. Neeche check karein — aap eligible hain ya nahi, kitna bachega, aur UIN ki last date. Free, no login.
Export Credit Interest Subvention Calculator (2.75%)
MSME exporter with a packing credit or bill discounting loan? Check if you get the 2.75% interest subvention under the Export Promotion Mission (Niryat Protsahan), how much you save, and whether your UIN is on time. निर्यात ऋण पर 2.75% ब्याज छूट — कितना मिलेगा।
Free guide. Based on DGFT Trade Notice 20/2025-26 (2 Jan 2026) and clarifications 03/2026-27 (13 May 2026) and 13/2026-27 (14 July 2026) under the Export Promotion Mission – Niryat Protsahan: 2.75% a year on rupee pre- and post-shipment export credit to MSME manufacturer and merchant exporters, for products on the positive list (HS 6-digit), up to ₹50 lakh per exporter per financial year, for credit disbursed on or after 2 Jan 2026. Banks give it upfront and claim it from Exim Bank (RBI until 31 Mar 2026, DGFT Trade Notice 17/2026-27). Last checked 4 Oct 2026.
Scheme ek nazar mein
| Point | Niyam |
|---|---|
| Chhoot | 2.75% saalana, rupee export credit par |
| Kaun | MSME manufacturer aur merchant exporter (Udyam + active IEC) |
| Kaunsa loan | Pre-shipment (packing credit) aur post-shipment (bill discounting) |
| Product | DGFT positive list ke HS 6-digit codes |
| Limit | ₹50 lakh per exporter per financial year |
| Kab se | 2 Jan 2026 ya baad mein disburse hue loans |
| Nahi milta | Foreign currency loan (PCFC / EBR), list se bahar product |
UIN ki last date — sabse zaroori
- Jan–March 2026 ke loans: UIN 31 May 2026 tak (beet chuka).
- 1 April 2026 se: loan disburse hone ke 15 din ke andar UIN.
- Har bank ke liye alag UIN, har financial year naya UIN.
- Pre-shipment aur post-shipment ke liye alag UIN.
- Bank badla? Naya UIN banayein — purana UIN transfer nahi hota.
Example
₹50 lakh packing credit, bank rate 9.5%, 120 din. Byaj ≈ ₹1,56,164. Subvention 2.75% ≈ ₹45,205 — aap sirf ≈ ₹1,10,959 dete hain (effective rate 6.75%).
Kaise lein
- DGFT portal par login → Export Promotion Mission → interest subvention → online declaration of intent → UIN.
- UIN bank ko dein (15 din ke andar).
- Bank byaj mein 2.75% pehle hi kam karta hai aur Exim Bank se claim karta hai (1 April 2026 se; pehle RBI) — loan statement check karein.
- Bank na de toh likhit mein maangein; phir bhi na ho toh DGFT helpdesk / RBI CMS.
Aksar pooche jaane wale sawaal
Export interest subvention 2026 mein kitni hai? Export Promotion Mission (Niryat Protsahan) mein MSME exporters ko rupee pre-shipment aur post-shipment export credit par 2.75% saalana subvention milti hai, 2 Jan 2026 se.
Interest subvention ki maximum limit kya hai? ₹50 lakh per MSME exporter per financial year.
UIN kab tak generate karna hai? FY 2026-27 se loan disbursal ke 15 din ke andar. Jan–March 2026 ke loans ke liye 31 May 2026 tak ki chhoot thi.
PCFC par subvention milti hai? Nahi. Sirf rupee export credit covered hai; foreign currency packing credit (PCFC) ya EBR nahi.
Merchant exporter ko milta hai? Haan, Udyam aur active IEC wale MSME merchant exporters bhi eligible hain, agar product positive list mein ho.
Free guide, sarkari aadesh nahi. Source: DGFT Trade Notice 20/2025-26 (2 Jan 2026), 03/2026-27 (13 May 2026), 13/2026-27 (14 July 2026). Positive list: Annexure-II, TN 20/2025-26. Last checked 3 Oct 2026.
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