Buyer credit

• Supports overseas buyers with deferred payment terms so they can import eligible goods and services from India
• Focused on supporting Indian SME exporting opportunities
• Eligibility:
  - Financing for all types of projects and services
  - Available for single or ongoing purchases, including from an overseas subsidiary of an Indian company
• Tenor: Medium- to long-term

Corporate banking for Indian exporters 

• Targeted towards Indian SMEs to enhance export competitiveness, including rural entities and available to all Indian companies
• Research and development finance for export-oriented sales, covering both capital and revenue expenditure
• Eligibility: Companies whose actual or projected exports are more than 20% of annual revenue
• Tenor: Up to 7 years; longer tenors considered case-by-case
• Amount: Up to 80% of the total project cost can be financed
• Sub-products:
  - Pre-shipment/post-shipment program in the form of L/C and bank guarantees
  - Lending program for export-oriented units: Term loans to export-oriented Indian companies for capital expenditures to enhance international competitiveness with tenors of 7–10 years
  -  MSME credit line from Asia Development Bank: Foreign currency term loan for borrowers to use for capital expenditures in specific lagging states, such as Assam, Madhya Pradesh, Orissa, Uttar Pradesh, Chhattisgarh, Jhakhand, Rajasthan and Uttarakhand, with tenors of up to 7 years
  - Technology and Innovation Enhancement and Infrastructure Development Fund (TIEID): Scheduled commercial banks in India having acceptable credit risk for on-lending to MSME units, minimum export orientation of 10% of annual turnover; loan to be used for technology upgrade, capacity creation, common infrastructure development (e.g., captive power plant, common effluent treatment plant, hazardous waste disposal facility, and testing facilities)
  - Lending Program for Financing Creative Economy: Aimed to create wealth and jobs in the heritage, cultural expressions, cultural sites, arts, performing arts, media, audio visuals, new media, functional creations, design, and creative services industries
  - Finance for Grassroots Enterprise: Supports globalization of enterprises with export potential based in rural areas of India for capacity building, development of common facility centers, construction of raw material bank, technology upgrade, and creation of export capability
  - Eligibility: Entity must be registered under respective State/Central Government Act as a Society, Trust, Co-operative, Private Limited Company, Producer Company, or NGO

Overseas investment finance

• Available to Indian companies to support equity investments and intra-company loans to their overseas joint ventures, as well as wholly-owned subsidiaries
• Tenor: Typically, 5–7 years
• Currency: INR and foreign currency of the overseas entity

Non-funded facilities

• Supports Indian exporters’ execution of export contracts
• Advance payment guarantee: Helps secure a project mobilization advance of up to 10%–20% of the contract value
• Performance guarantee: Up to 5%–10% of contract value
• Retention money guarantee: Enables exporter to obtain retained payments from foreign client prior to project or final acceptance

Project exports

• Available to Indian EPC exporters
• Pre-shipment credit to purchase raw materials and other inputs to facilitate exports
• Available in INR and USD
• Post-shipment credit (supplier credit)

Lines of credit

• For Indian exporters to enter new geographies or expand their business in existing export markets; primarily a tool to help Indian SMEs expand internationally
• Lines are extended to overseas financial institutions, regional development banks, sovereign governments and their central banks, and other overseas entities for import of Indian goods and services
• The financial institution recipients of the lines of credit act as intermediaries and on-lend to overseas buyers
• Assists foreign buyers to import developmental and infrastructure projects, equipment, and goods and services from India on deferred credit terms
• Lines can be extended directly by India Eximbank or at the behest and support of the Government of India
• Eligibility: Minimum of 75% Indian content (65% on case-by-case basis)

Confirmation of letters of credit

• Under the auspices of the Global Trade Finance program of the International Finance Corporation, and available for L/Cs, standby L/Cs, demand guarantees, and other instruments to cover risk of issuing bank (all must be IFC pre-approved lenders)
• Currency: USD, EUR, JPY