India has launched a key credit support scheme for e-commerce exporters as part of its Export Promotion Mission (EPM). This move aims to boost MSMEs in global markets by easing access to working capital. The Directorate General of Foreign Trade (DGFT) rolled out guidelines on March 6, 2026, under the Rs. 25,060 crore EPM, running from FY 2025-26 to 2030-31. It targets MSMEs with a valid Importer-Exporter Code (IEC) and Udyam registration. Eligible firms need at least six months of exports via postal or courier channels, plus overseas inventory for e-commerce fulfillment. New MSMEs with one year of domestic e-commerce experience also qualify.
Banks offer cash credit, overdraft, or working capital loans with up to 90% credit guarantee coverage, capped at Rs. 50 lakh for direct e-commerce credit. Interest subvention stands at 2.75%, limited to Rs. 15 lakh per beneficiary annually. Exim Bank and National Credit Guarantee Trustee Company (NCGTC) implement this pilot program. Overseas inventory credit goes up to Rs. 5 crore with 75% coverage.
India’s e-commerce exports hit $10 billion in 2025, with MSMEs contributing 45%. This scheme addresses working capital gaps, enabling pre-manufacturing for global demand. It supports hubs like e-commerce export warehouses, aiming to raise India’s global e-commerce share from 2% to 10% by 2030. Trade via platforms like Amazon and Flipkart Global will grow, creating 5 lakh jobs.
EPM shifts from fragmented schemes to a digital, outcome-based framework. It includes seven interventions like export factoring. With bilateral trade rising, this strengthens India’s position amid global supply chain shifts. Exporters can apply via DGFT portals soon.
FAQs [Frequently Asked Questions]
1. What is the eligibility for the credit scheme?
MSMEs need IEC, Udyam registration, six months export track record via post/courier, and overseas inventory. New firms require one year domestic e-commerce experience.
2. What financial support is offered?
Up to ₹50 lakh direct credit with 90% guarantee, 2.75% interest subvention (capped ₹15 lakh/year). Overseas inventory up to ₹5 crore at 75% coverage.
3. Who implements the program?
Exim Bank and NCGTC handle operations on a pilot basis. DGFT oversees guidelines and online systems for applications.
4. How does it boost e-commerce exports?
Provides working capital for inventory and scaling, targeting $10 billion exports in 2025. Aims for 10% global share by 2030 via MSME growth.