Bridging the Gap from Shipment to Realization.
Don't let long credit periods stall your business. Get immediate liquidity against your export bills and keep your production moving.
Post-shipment Finance is a loan or advance granted by Bharat Bank to an exporter from the date of extending credit (after shipment of goods or rendering of services) until the date of realization of the export proceeds. Bharat Bank helps you to extend credit to your overseas buyer without hampering your cash flow by financing your export sales receivables, allowing you to reinvest in your next order without waiting for the overseas buyer to pay
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|
Feature |
Details |
|---|---|
|
Nature of Facility |
Short-term Finance (Fund-based). |
|
Purpose |
Providing immediate liquidity and ensure stability during extended payment cycles, thereby allows businesses to manage cash flows effectively. |
|
Standard Tenure |
Typically Up to 180 Days |
|
Interest Rate |
|
|
Quantum of Finance |
Up to 100% of the Invoice Value (less margin/charges). |
|
Repayment |
Can be liquidated by the proceeds of the export bills orĀ out of balance in EEFC a/cs. |
- Negotiation of Bills under Letter of Credit (LC): The most secure form. We verify your documents against LC terms and provide funds immediately, relying on the credit of the LC-issuing bank.
- Export Bill Purchase: For "Sight Bills" (payment on demand). The bank purchases the bill and credits your account instantly.
- Export Bill Discounting: For "Usance Bills" (payment after a credit period). We discount the bill for the period of credit and pay you the present value.
Under the new RBIās Export Promotion Mission (January 2026), Bharat Bank passes on direct benefits to MSME exporters:
- Interest Subvention: Eligible MSME exporters receive an upfront interest relief of 2.75% p.a. on Rupee Export Credit.
- Benefit Cap: Up to ā¹50 Lakh per financial year per exporter.
- UIN Mandatory: Exporters must generate a Unique Identification Number (UIN) from the DGFT portal to avail of this concessional rate.
- Direct Exporters: Merchant or Manufacturer exporters with a valid IEC (Importer-Exporter Code).
- Compliance: Must not be on the RBI Caution List or ECGC Denied Entities List.
- Documentation: Must provide evidence of shipment (Bill of Lading/Airway Bill).
|
Feature |
Details |
|---|---|
|
Nature of Facility |
Short-term Finance (Fund-based). |
|
Purpose |
Providing immediate liquidity and ensure stability during extended payment cycles, thereby allows businesses to manage cash flows effectively. |
|
Standard Tenure |
Typically Up to 180 Days |
|
Interest Rate |
|
|
Quantum of Finance |
Up to 100% of the Invoice Value (less margin/charges). |
|
Repayment |
Can be liquidated by the proceeds of the export bills orĀ out of balance in EEFC a/cs. |
- Negotiation of Bills under Letter of Credit (LC): The most secure form. We verify your documents against LC terms and provide funds immediately, relying on the credit of the LC-issuing bank.
- Export Bill Purchase: For "Sight Bills" (payment on demand). The bank purchases the bill and credits your account instantly.
- Export Bill Discounting: For "Usance Bills" (payment after a credit period). We discount the bill for the period of credit and pay you the present value.
Under the new RBIās Export Promotion Mission (January 2026), Bharat Bank passes on direct benefits to MSME exporters:
- Interest Subvention: Eligible MSME exporters receive an upfront interest relief of 2.75% p.a. on Rupee Export Credit.
- Benefit Cap: Up to ā¹50 Lakh per financial year per exporter.
- UIN Mandatory: Exporters must generate a Unique Identification Number (UIN) from the DGFT portal to avail of this concessional rate.
- Direct Exporters: Merchant or Manufacturer exporters with a valid IEC (Importer-Exporter Code).
- Compliance: Must not be on the RBI Caution List or ECGC Denied Entities List.
- Documentation: Must provide evidence of shipment (Bill of Lading/Airway Bill).