Empowering Exporters with Timely Liquidity
Secure the working capital for procuring , manufacturing, and packing your goods for the global market.
Pre-shipment Finance is a specialized working capital loan provided to exporters to fund the "preparation phase" of an export order. At Bharat Bank, we extend pre-shipment export finance to you against confirmed order or L/C. This helps you to procure, manufacture, process and package your export consignment. We bridge the financial gap between receiving a confirmed order and actually shipping the goods. This credit is designed to cover all costs related to purchasing raw materials, manufacturing, processing, and packaging, ensuring that your production cycle remains uninterrupted and your global commitments are met on time.
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|
Feature |
Details |
|---|---|
|
Nature of Facility |
Short-term Working Capital (Fund-based). |
|
Purpose |
Procurement of raw materials, manufacturing, packing, and transportation to port. |
|
Interest Rate |
|
|
Tenure |
Based on the manufacturing cycle; typically 90 - 270 days |
|
Repayment |
Automatically liquidated through the conversion of Pre-shipment to Post-shipment credit on submission of Export documents or against realisation of export proceeds |
- Export Packing Creditin Rupees: Ideal for exporters who source raw materials and labour within India.
- Packing Credit in Foreign Currency (PCFC): Available in major currencies (USD, EUR, GBP) at internationally competitive rates (linked to SOFR/EURIBOR), helping you hedge against exchange rate volatility.
- Running Account Facility: For established exporters with a high volume of orders, allowing for credit without the immediate lodgement of specific LCs or firm orders.
- Status: Proprietorship, Partnership firms, LLPs, and Private/Public Ltd Companies.
- Requirements:
- Must possess a valid Importer-Exporter Code (IEC).
- Must have a confirmed Export Order or an Irrevocable Letter of Credit (LC) from a foreign buyer.
- Must not be on the RBI's "Caution List" or the ECGCās "Denied Entities List."
- Target Segments: Direct Exporters, Manufacturer Exporters, and Merchant Exporters.
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.
|
Feature |
Details |
|---|---|
|
Nature of Facility |
Short-term Working Capital (Fund-based). |
|
Purpose |
Procurement of raw materials, manufacturing, packing, and transportation to port. |
|
Interest Rate |
|
|
Tenure |
Based on the manufacturing cycle; typically 90 - 270 days |
|
Repayment |
Automatically liquidated through the conversion of Pre-shipment to Post-shipment credit on submission of Export documents or against realisation of export proceeds |
- Export Packing Creditin Rupees: Ideal for exporters who source raw materials and labour within India.
- Packing Credit in Foreign Currency (PCFC): Available in major currencies (USD, EUR, GBP) at internationally competitive rates (linked to SOFR/EURIBOR), helping you hedge against exchange rate volatility.
- Running Account Facility: For established exporters with a high volume of orders, allowing for credit without the immediate lodgement of specific LCs or firm orders.
- Status: Proprietorship, Partnership firms, LLPs, and Private/Public Ltd Companies.
- Requirements:
- Must possess a valid Importer-Exporter Code (IEC).
- Must have a confirmed Export Order or an Irrevocable Letter of Credit (LC) from a foreign buyer.
- Must not be on the RBI's "Caution List" or the ECGCās "Denied Entities List."
- Target Segments: Direct Exporters, Manufacturer Exporters, and Merchant Exporters.
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.