Credit Assistance Scheme for E-Commerce Exporters in India

Struggling with Working Capital for E-Commerce Exports?

Many e-commerce exporters have difficulties with their exports that are related to payment delays from international platforms, large inventory needs and limited access to formal bank loans. The same issues can be seen with many small-scale enterprises (MSMEs), including those that don’t have sufficient collateral or do not have a suitable history of making loan payments. These restrictions limit the ability of MSME’s to expand and provide the necessary supply to meet growing global demands. Structured credit assistance will assist in bridging these gaps and improve the availability of working capital to MSMEs.

What is Credit Assistance for E-Commerce Exporters?

Credit assistance to support e-commerce exports is one of the initiatives of the Export Promotion Mission (EPM). It is focused towards supporting micro-small-medium enterprises (MSMEs) involved in cross-border e-commerce. The objective of this scheme is to help MSMEs gain improved access to working capital. Through a combination of credit guarantees and an interest subvention, the scheme enables MSMEs to obtain funding at a lower risk and lower costs, particularly when they need to scale up their operations on global e-commerce platforms.

What is the Actual Benefit?

The scheme provides a combination of risk mitigation and cost reduction:

• Credit guarantee up to 90% for direct e-commerce exports
• Credit guarantee up to 75% for overseas inventory-based exports
• Interest subvention of 2.75% on the credit facility
• Credit limits ranging from ₹50 lakh to ₹5 crore

Example:

• Loan Amount: ₹50 lakh
• Guarantee Coverage: Up to ₹45 lakh
• Result: Easier loan approval with significantly reduced lender risk

This makes it easier for MSMEs to access funding even with limited collateral.

reduce interest cost on export credit through government-supported Interest subvention  schemes

Types of Credit Facilities Covered

1. Direct E-Commerce Credit Facility

• For exporters using courier or postal routes
• Typically suited for marketplace sellers and small consignments
• Credit limit: Up to ₹50 lakh
• Guarantee cover: Up to 90%

2. Overseas Inventory Credit Facility

• For exporters maintaining inventory in foreign warehouses
• Suitable for Amazon FBA, global fulfilment models, and bulk exports
• Credit limit: Up to ₹5 crore
• Guarantee cover: Up to 75%

These facilities are designed to support different e-commerce export models.

Who is Eligible?

• MSME exporters with valid Importer Exporter Code (IEC)
• Valid Udyam Registration
• Actively engaged in e-commerce exports
• Demonstrable export track record (courier/postal or inventory-based)
• Not classified as NPA or defaulter

Documents Required

• IEC Certificate
• Udyam Registration Certificate
• CA-certified turnover and export data
• Export history (last 2–3 years)
• Bank account details
• Loan requirement and working capital details

How to Apply for Credit Assistance

1. Apply on the DGFT portal and submit intent
2. Generate UIN (Unique Identification Number)
3. Apply to a bank or eligible financial institution
4. Bank evaluates and forwards the application
5. Guarantee processed through Exim Bank / designated agency and guarantee framework
6. Loan sanctioned with applicable subvention benefits

Note: UIN is mandatory before applying for the loan.

Important Conditions to Know

• Applicable only for MSME exporters
• Limited to e-commerce export activities
• Loan must be availed from eligible banks / institutions
• Not applicable for:
  • SEZ exports
  • Deemed exports
• Annual interest subvention capped at ₹15 lakh
• Applicable for loans sanctioned after March 2026

Who Should Apply?

This scheme is ideal for:

• Exporters selling through global e-commerce platforms
• Businesses maintaining inventory in overseas warehouses
• MSMEs facing working capital constraints
• Exporters experiencing rapid international demand growth

How Afleo Helps You

• Eligibility assessment and scheme mapping
• UIN generation and DGFT compliance support
• Coordination with banks and Exim-linked institutions
• Documentation and application support
• Credit structuring for maximum guarantee coverage
• End-to-end assistance until loan disbursement

Ensure faster approvals and optimal benefits with expert support.

Speak to Export Finance Expert

Why This Scheme is Important

E-commerce exports require agile working capital to manage inventory, fulfil orders, and scale operations globally. This scheme reduces dependency on heavy collateral, improves access to finance, and supports exporters in expanding their global footprint efficiently.