Exporter ko ?50 Cr Loan Kaise Milega? (Simple Guide)

 What is Exporter Loan?

Exporter loan matlab bank aapko paisa deta hai so that you can complete your export order easily.

 2 main types:

• Pre-shipment (before sending goods)
• Post-shipment (after sending goods)

 How it works?

 Simple flow:

1. Aapko export order mila
2. Bank se loan liya
3. Goods banaye & export kiya
4. Documents bank ko diye
5. Payment aane tak bank support karta hai

 ?50 Cr Loan kaise milega? Large loan ke liye:

• Strong business hona chahiye
• Export track record hona chahiye
• Bank ya multiple banks (consortium) se funding milti hai

 Schemes:

• Export Credit (PC / PCFC)
• ECGC Cover
• Working Capital Limit
• EPCG Scheme

 Benefits

• Low interest rate 
• Foreign currency loan sasta padta hai 
• Cash flow smooth rehta hai 
• Risk cover milta hai (ECGC) 
• Business fast grow karta hai 

 Key Benefits Table

 Merits

• Export business grow hota hai
• Large orders le sakte ho
• Cash flow pressure kam hota hai
• Govt support milta hai

 Demerits

• Documentation zyada hota hai
• Forex risk hota hai
• Payment delay risk
• Strict rules follow karne padte hain

 Eligibility

• Business registered hona chahiye
• IEC Code compulsory
• CIBIL 700+
• Financials strong hone chahiye
• Banking proper honi chahiye

 Documents

 Basic:

• IEC
• GST
• PAN

 Financial:

• ITR
• Balance Sheet
• Bank Statement

 Export:

• Export order
• Invoice
• Shipping documents

 Banks

• SBI
• HDFC
• ICICI
• Bank of Baroda
• EXIM Bank

 Approval Tips

• High turnover (?100 Cr+)
• Strong clients
• Good banking
• ECGC cover lo
• Proper CMA data

 FAQs

1. Export loan kya hota hai?
Bank se milne wala loan for export business

2. ?50 Cr loan kaun le sakta hai?
Big exporters with strong profile

3. Interest kitna hota hai?
6%–10% approx

4. Collateral zaroori hai?
Har case me nahi

5. Pre-shipment kya hai?
Goods banane ke liye loan

6. Post-shipment kya hai?
Payment aane tak loan

7. IEC zaroori hai?
Haan

8. ECGC kya karta hai?
Payment risk cover karta hai

9. Loan tenure kitna hota hai?
90–360 days

10. New exporter ko milega?
Haan, but small limit