Is the 2.75% interest subvention guaranteed?

No. 2.75% is the maximum subvention under current DGFT guidelines. Actual benefit depends on eligibility, your bank and scheme rules, which are reviewed periodically. No rate, amount or approval is promised.

Does the interest subvention cover pre- and post-shipment credit?

Yes. It covers both pre-shipment credit (to produce goods) and post-shipment credit (while awaiting payment), subject to eligibility and a cap of ₹50 lakh per exporter.

When must I file the Intent for interest subvention?

The Intent and UIN must be filed on the DGFT portal before you take the export credit, and the UIN shared with your bank. A fresh UIN is required each financial year.

RoDTEP & Duty Drawback Consultant | Recover Unclaimed Export Incentives — Export Import Leadership Institute by Viral Shah

Government Export Benefits › Cheaper export loans

Government of India · EPM | Official name: Interest Subvention

Pay up to 2.75% less interest on your export loans.

Q: Is EILI a government agency?

No. EILI is an independent consultant and facilitator, not a government body or DGFT partner. It helps exporters apply correctly but cannot approve claims or influence decisions.

The Government covers part of the interest on your pre- & post-shipment export credit — so the same loan costs you less. You just have to claim it the right way.

તમારી export loan પર સરકાર વ્યાજનો એક ભાગ ભરે છે — એ જ loan તમને સસ્તી પડે. બસ સાચી રીતે claim કરવું પડે. 💸

Check if you're eligible Get a free Benefit Check

Illustrative

The benefit

2.75% lower interest

on pre- & post-shipment export credit

Maximum benefit₹50 lakh / exporter

Who it's forMSME exporters

Runs throughEXIM Bank

Figuresper current DGFT guidelines

Watch

Cheaper export loans, 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

When you take a loan to make or ship your export order, you pay interest on it. Under the Government of India's Export Promotion Mission, part of that interest is subsidised — up to 2.75% — so your effective rate drops.

It applies to both pre-shipment credit (money to produce the goods) and post-shipment credit (money while you wait for the buyer to pay). The support is capped at ₹50 lakh per exporter and is delivered through EXIM Bank.

સાદી ભાષામાં: એ જ loan, પણ વ્યાજ ઓછું. તમારો export નો ખર્ચ ઘટે. 📉

“Subvention” simply means the Government pays a part of your interest for you. 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 (Importer-Exporter Code).
Your product's 6-digit HSN code is on the notified list for this scheme.
You are taking pre- or post-shipment export credit from a bank.

Not sure about your HSN or registrations? That's exactly what the free Benefit Check sorts out.

📋 What you'll need

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

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

⏱️

The one timing rule that protects your claim

You must file your Intent on the DGFT portal and get your UIN number before you take the export credit — then share that UIN with your bank. File it afterwards, and the benefit can be lost. A fresh UIN is needed each financial year.

नियम सीधा है — पहले DGFT पोर्टल पर Intent भरें और UIN लें, फिर loan लें। हर साल नया UIN बनाएँ।

A simple illustration

What 2.75% can mean

Illustrative only — not a quote or a promise

Export credit taken (for the year)	₹1,00,00,000
Normal interest (say ~11%)	₹11,00,000
Interest subvention (up to 2.75%)	− ₹2,75,000
Your effective interest	₹8,25,000

Numbers are only to show how the benefit works. Your actual rate, eligibility and amount depend on your bank, your product's HSN, the ₹50 lakh/exporter cap and the current DGFT guidelines. We never promise an amount or approval.

Viral Shah's guidanceવિરલ શાહનું માર્ગદર્શન

"Bahut exporters ye benefit sirf isliye miss karte hain kyunki unhone loan pehle le liya aur Intent baad mein socha. Yaad rakhiye — pehle DGFT par Intent, UIN lijiye, phir bank se credit. Order ulta hua toh claim nahi banta."

"Aapko bas apna export kaam karna hai — Intent, UIN aur bank ke saath coordination hum dekh lenge."

How we help

We make sure you claim it — correctly

Benefit Check

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

Intent & UIN

We guide the Intent filing on DGFT and getting your UIN — in the right order.

Bank coordination

We help you share the UIN with your bank so the subvention is applied.

Follow-up

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

Check if you're eligible

Common questions

Cheaper export loans — answered

Is the 2.75% guaranteed?

No. 2.75% is the maximum subvention under the current guidelines. Your actual benefit depends on your eligibility, your bank and the scheme rules, which the Government reviews periodically. We can't promise any rate, amount or approval.

Does it work on both kinds of export loan?

Yes — it covers both pre-shipment credit (to produce the goods) and post-shipment credit (while you wait for payment), subject to eligibility and the ₹50 lakh per exporter cap.

What if I already took the loan?

The Intent (and UIN) is meant to be filed before you take the credit. If you've already drawn the loan without filing it, the benefit for that credit may not be claimable — talk to us and we'll check what's still possible for your future credit.

How do I know if my product qualifies?

The scheme applies to products whose 6-digit HSN code is on the Government's notified list. In the free Benefit Check we confirm whether yours is covered.

Is EILI a government agency?

No. EILI is an independent consultant and facilitator — not a government body or DGFT partner. We help you apply correctly; the decision and the benefit rest with DGFT and your bank.

You may also be eligible for

Benefits that often go together

🏦

Export loans without collateral

Borrow without pledging property — up to 85% guarantee cover.

See how → 🔄

Alternative trade finance

Get paid now instead of waiting on the buyer — 2.75% subvention on factoring.

See how → 🛒

Credit for e-commerce exporters

Collateral-light credit plus interest subvention for online exporters.

See how →

Free EPM Benefit Check

See if cheaper export loans are yours — in 15 minutes

Share a few details and we'll tell you honestly whether you're eligible and the exact next step. No obligation.

15 મિનિટમાં જાણો — તમે eligible છો કે નહીં. કોઈ obligation નહીં. 📋

Cheaper Export Loans — eligibility checkNo cost · no obligation · we reply on WhatsApp

All EPM benefits

Explore the other 9 benefits

01Cheaper export loans
Interest Subvention · you're here● 02Export loans without collateral
Collateral Support→ 03Safer payments from risky markets
Emerging Export Opportunities→ 04Alternative trade finance
Alternative Trade Instruments→ 05Credit for e-commerce exporters
E-Commerce Credit Assistance→ 06Get back 60% of certification cost
TRACE→ 07Get 30% of your freight back
LIFT→ 08Overseas warehousing support
FLOW · access→ 09Trade fair & market access
Market Access Support · access→ 10Capacity building & trade intelligence
INSIGHT · access→

← Back to all benefits

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.