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RoDTEP & Duty Drawback Consultant | Recover Unclaimed Export Incentives — Export Import Leadership Institute by Viral Shah
Government Export Benefits  ›  Export loans without collateral
Government of India · EPM  |  Official name: Collateral Support

Borrow for exports without pledging property.

A government-backed guarantee stands in for collateral — so your bank can lend you export credit even if you don't have assets to mortgage. You just have to claim it the right way.

જામીન વગર export loan — સરકારની guarantee તમારા વતી ઊભી રહે છે. 🏦

Illustrative
The benefit
Up to 85% guarantee cover
so you borrow without pledging property
Maximum cover₹10 crore / exporter
Cover85% micro/small · 65% medium
Who it's forMSME exporters
Runs throughCGTMSE
Watch

Export loans without collateral, explained in 2 minutes

Your 2-minute explainer goes here Shoot a horizontal (16:9) video and paste the YouTube embed in this slot.
What this benefit is

Many good export orders are lost for one reason: the bank wants collateral the exporter doesn't have. This benefit fixes that — under the Export Promotion Mission, a government-backed credit guarantee stands behind your export loan, so the bank can lend without you pledging property.

For Micro and Small enterprises the guarantee covers up to 85% of the credit; for Medium enterprises up to 65%, with a maximum guarantee of ₹10 crore per exporter. It runs through CGTMSE.

સાદી ભાષામાં: મિલકત ગીરવે મૂક્યા વગર export માટે loan. 🏦

The guarantee replaces collateral; your bank still does its own credit assessment. All figures are as per current DGFT guidelines and should be verified before you act.

✅ Who can get it

  • You are an MSME exporter (with Udyam registration).
  • You have a valid IEC.
  • Your product's 6-digit HSN code is on the notified list.
  • You need export credit but lack collateral to pledge.

Not sure if you qualify? The free Benefit Check sorts it out.

📋 What you'll need

  • IEC certificate
  • Udyam (MSME) registration
  • Your product's HSN code
  • Bank's credit proposal / sanction
  • GST registration & export invoices

આટલું હોય તો કામ ઝડપથી થાય — બાકી અમે guide કરીશું.

⏱️

File your Intent before the guaranteed credit

As with other finance benefits, file your Intent on the DGFT portal and get your UIN before the bank sanctions the guaranteed credit, then share the UIN with your bank. A fresh UIN is needed each financial year.

पहले DGFT पर Intent और UIN लें, फिर guaranteed loan। हर financial year में नया UIN।
A simple illustration

What 85% cover can mean

Illustrative only — not a quote or a promise
Export credit you need₹50,00,000
Guarantee cover — up to 85% (micro/small)₹42,50,000
Collateral you pledgePotentially none

Illustration only. Your actual cover, terms and eligibility depend on your bank, your category (micro/small/medium), the ₹10 crore cap and current DGFT guidelines. We never promise an outcome.

Viral Shah
Viral Shah's guidanceવિરલ શાહનું માર્ગદર્શન

"Bahut exporters ko order milta hai par bank collateral maangta hai — aur wahi deal ruk jaati hai. Is scheme mein sarkar ki guarantee aapke peeche khadi hoti hai, toh bina property gaadhe loan ho sakta hai."

"Aap order lijiye — documentation aur CGTMSE guarantee ka process hum sambhaal lete hain. Bas Intent pehle, phir credit."

How we help

We make sure the guarantee is claimed correctly

1

Benefit Check

We confirm eligibility and check your HSN against the notified list.

2

Intent & UIN

We guide the Intent filing and getting your UIN, in the right order.

3

Bank + CGTMSE

We help coordinate the guarantee with your bank.

4

Follow-up

We help track it and keep next year's credit ready.

Common questions

Export loans without collateral — answered

Does this mean zero collateral?
It replaces collateral with a government-backed guarantee of up to 85% (micro/small) or 65% (medium). Your bank still runs its own assessment, so terms vary — we can't promise a specific outcome.
What's the maximum?
Up to ₹10 crore of guarantee per exporter, subject to eligibility and current guidelines.
Is it only for new loans?
The Intent should be filed before the guaranteed credit. Tell us your situation and we'll check what's possible.
Who backs the guarantee?
CGTMSE, a government trustee company. EILI only helps you apply — we're not a government body.
Free EPM Benefit Check

See if you can borrow without collateral — in 15 minutes

Share a few details and we'll tell you honestly where you stand and the exact next step. No obligation.

15 મિનિટમાં જાણો — તમારા માટે શું શક્ય છે. કોઈ obligation નહીં. 📋

Export loans without collateral — enquiryNo cost · no obligation · we reply on WhatsApp

Prefer WhatsApp? Message us “EPM” on 90330 41078.

Important: Benefits are subject to DGFT / bank eligibility and current guidelines. EILI (Export Import Leadership Institute by Viral Shah) is an independent consultant and not a government body; we cannot approve claims, influence decisions, or guarantee any benefit, amount or timeline. Scheme figures shown are as per current DGFT guidelines and — because the Export Promotion Mission is being rolled out and rates are reviewed periodically — should be verified against the latest official notices before you act.

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