Corporate Banking

Finding wings to fly higher in corporate skies

We offer a range of financing programmes to enhance the export-competitiveness of Indian companies. We provide 360 degree support to export-oriented units by catering to long-term loan requirements that help exporters finance new projects, expand, modernize or purchase new equipment or carry out R&D; and cater to their working capital and overseas investment requirements.

We have played a catalytic role in building "brand India" by partnering with micro, small and medium enterprises (MSMEs) and enhancing their global footprint. Not only that, we have made significant strides in contributing towards economic development through our Grassroots Initiative and Development programme. Our aim is to strengthen the export capabilities of our rural enterprises and ensure all-round economic development and to enhance the purchasing power from the bottom of the pyramid.

FINANCE FOR CORPORATES

Research & Development Finance For Export Oriented Units

Our objective is to encourage Indian exporters to invest more in their R&D spend to develop new products and processes that will enhance export capabilities. With the need to bridge the funding gap of Indian exporters in the research space at our core, we have a dedicated R&D Financing Programme. Under this programme, financing can be extended to any export oriented company. Alternatively, a special purpose vehicle promoted by the company can be created irrespective of the nature of the industry.

Eligibility

  • Export oriented firms with exports (actual or projected) of at least 20% of annual turnover.

  • R&D finance is generally extended up to 7 years. However, longer tenors with suitable interest rates are considered on a case-to-case basis. A company can opt for our structured repayment option to match its cash flow.

  • Upto 80% of the total project cost can be funded.

  • Security to include, appropriate charge on the assets, Corporate Guarantee, charge/assignment on the regulatory approval/IPR, personal guarantee etc.

For further details,
please contact us at
cbg@eximbankindia.in

Pre-Shipment/Post-Shipment Credit Programme:

We understand that a primary obstacle for Indian exporters is the lack of a dependable source of financing. We attempt to bridge this gap by extending export credit to Indian exporters to meet a wide range of their trade financing requirements. We provide working capital finance by way of pre-shipment credit and post-shipment credit. We also extend non-fund based limits including issuance of Letters of Credit (both foreign & inland) and Bank Guarantees (both foreign & inland) as part of our export credit assistance to clients. The credit limits are generally operated as a running account facility. The facilities can be drawn in either Indian Rupee or Foreign Currency.

Eligibility

  • Indian exporters with a proven track record.

  • The limit should be within the MPBF of Borrower's assessed bank finance.

  • Margin of around 15%-20% under pre-shipment and around 10% under post-shipment.

  • Adequate security to be provided. Typical security includes appropriate charge on the current assets including export receivables, ECGC cover, etc.

For further details,
please contact us at
cbg@eximbankindia.in

Lending Programme for Export Oriented Units:

In order to enhance international competitiveness and the capabilities of export-oriented Indian companies, we provide term loans to finance various capital expenditures including certain soft expenditures of such companies. Loans or guarantees are extended for the expansion, modernization, upgradation or diversification projects. This includes acquisition of equipment, technology export marketing, export product development and setting up of Software Technology Parks.

Import Finance Programme

We offer a comprehensive range of products and services covering financial needs of borrower companies at all stages of business cycle to enhance the competitiveness of Indian companies. The Companies involved in manufacturing/services, having only domestic operation and no exports, are eligible for financing from Exim Bank for import of equipment/machineries for domestic projects. Financing is done towards bulk import of machineries, services for capacity expansion, modernization and infrastructure projects.

Production Equipment Finance Programme

We extend credit to eligible export oriented enterprises to enhance the export capability creation through financing non-project related equipment procurement. We offer loan for acquisition of plant and machinery, purchase of ancillary equipment including equipment for packaging, pollution control, utilities, quality assurance etc. The loans are flexible and can be extended for equipment procurement for balancing, replacement, modernization and capacity up-gradation.

Eligibility

  • Companies with a minimum export orientation (actual/projected) of 10% of their annual turnover, or exports of 5 crore p.a., whichever is lower (inclusive of exports through Export/Trading Houses)

  • Available in Indian Rupees and in foreign currency (as per extant RBI guidelines)

  • Commercial interest rates are charged on the term finance

  • The tenor range is usually 7-10 years with a suitable moratorium, and repayments in suitable monthly/ quarterly installments

  • Promoter margin is a minimum 20% and appropriate charge on the fixed assets of the company/project plus any other acceptable security including personal guarantees may be stipulated

For further details,
please contact us at
cbg@eximbankindia.in

EXIM
Advantage

  • Enhancing competitiveness of export-oriented units by financing R&D capabilities

  • Working capital needs and funding requirements taken care of at pre-shipment and post-shipment stages

  • 360 degree support to export-oriented companies

  • Including cost coverage for regulatory approvals

FINANCE FOR SME

We have been partnering with SMEs for their financing, capacity building and market advisory support. With a view to have a focused approach in providing financial and advisory services to the SME sector, Exim Bank setup a separate SME Group in 2004. Exim Bank offers a holistic package, distinct from commercial banks, that is focused on export capability creation among SMEs, through enhancing their export production, export marketing and international competitiveness.

SME Group

SME Group

SME Group has been established to cater to the specific financing requirements of export oriented SMEs. The financing programmes for SMEs cater to requirements at various stages of the export business cycle of Indian SME exporters/forex earners covering import of technology, export product development, export production, export marketing, export credit at post-shipment stages, and investment overseas. In addition to various lending programmes for Corporates, SMEs can also avail financing under following services/programmes from Exim Bank.

For Clusters of Indian SME EOUs:

Besides providing financial assistance to individual SME EOUs, we also provide financial assistance to Special Purpose Vehicles (SPVs) of a cluster of SMEs. Term loans are provided to such clusters of SME units for the following activities:

  • Development of new geographically contiguous cluster/industrial park, involving creation and maintenance of common infrastructure and common facilities. This includes construction of buildings and civil works and the acquisition of assets or the requisite technology, for the benefit of industrial units within the cluster/industrial park.

  • Development of an industrial estate, by industrial users, industry associations and/or Government bodies.

  • Up-gradation of an existing industrial cluster or industrial estate.

  • Development of specific infrastructure, including common effluent treatment plant, captive power plant, transportation linkages, hazardous waste disposal.

  • Development of Common Facilities Centers like testing centers, cold storages, for industrial clusters, industrial estates, or a group of industries with common interests.

For further details,
please contact us at
sme@eximbankindia.in

Lending Programme For Financing Creative Economy

Lending Programme for Financing Creative Economy:

We believe that the creative industry of India has the required potential, skill and talent for job creation and thereby creation of wealth. The need of the day is to generate an environment where exploitation of intellectual property can be facilitated. There is a large untapped potential for generation of exports through creative industry segments such as advertising, architecture, art and antiques market, crafts, design, designer fashion, film and video, interactive leisure software, music, performing arts, publishing software, etc. With a view to provide a strategic focus to this sector and enhance our presence in the creative economy space, we have introduced a Programme specifically for financing the creative economy.

Eligibility:

The illustrative list of industry sectors includes

  • Heritage: Traditional cultural expressions (art & crafts, festivals, celebrations etc.),

  • Cultural Sites: Historical monuments, museums, libraries, archives etc.,

  • Arts: Visual arts (painting, sculpture, antique, photography etc),

  • Performing Arts: Live music, theatre, dance, opera, puppetry etc.,

  • Media: Publishing & printed media (books, newspapers, press & other publications),

  • Audio Visuals: Film, TV & radio, broadcasting etc.,

  • New Media: Digitised content, software, video games, animations etc.,

  • Functional Creations: Design (interior, graphic, fashion, jewellery, toys etc),

  • Creative Services: Architecture, advertising, creative R & D, cultural services, digital services etc.

For further details,
please contact us at
sme@eximbankindia.in

EXIM
Advantage

  • All round financing for SMEs at competitive rates

  • Access and ability to leverage the large international network of Exim

  • Boosting entrepreneurial spirit and skill of young India

  • Special focus on creative industries and efforts to enhance their export capabilities

FINANCE FOR GRASSROOTS ENTERPRISES

FINANCE FOR GRASSROOTS ENTERPRISES

We believe in promoting all round development of the economy and have thus lent our hand of support to enterprises based out of rural areas of the country through our GRID programme. Through this initiative, we promote grassroots initiatives/technologies, particularly those having export potential. We seek to help artisans/producer groups/clusters/small enterprises across the country to realize remunerative return on their produce essentially through facilitating exports from these units.

We understand the needs of such organisations and offer
tailor-made financial products to cater to their needs. We work towards developing a robust, vibrant and holistic approach by providing assistance at various stages of product development / business cycle. The broad areas that we support include capacity building, matching grant support for product/process certification and design and packaging enhancement, working capital finance, term lending for development of common facility centres, construction of raw material bank, technology upgradation and creation of export capability.

Eligibility:

The organisations eligible for support should meet various criteria including, (but not limited to) the following:

  • Should be a legal entity registered under respective State/Central Govt. Act as a Society, Trust, Co-operative, Private Limited Company, Producer Company, NGO, Proprietorship etc

  • Should be working with communities at grassroots level for promoting income generating activities based on traditional skills

  • Should have a proven track record of creating /adopting sustainable livelihood model which could be upscaled and replicated across the geographies sharing similar characteristics (demographic, cultural, socio-economic similarities, etc)

  • Should be exporting, either directly or indirectly or should have plans for venturing into export markets

For further details,
please contact us at
grid@eximbankindia.in

EXIM
Advantage

  • Good understanding of rural enterprises and their requirements for export capability creation

  • Quick and competitive finance both in Indian Rupee and foreign currency, customized to the needs of the organizations

  • Flexible repayment options

  • Capacity building and support for developing marketable products

  • Training and market advisory support

  • Project Exports

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  • INSIGHTS

    Other Financial PRODUCTS

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    Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled

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