The Directorate General of Foreign Trade (DGFT) issued a trade notice outlining eligibility criteria and operational guidelines for extending credit assistance to micro, small and medium enterprises (MSMEs) engaged in exports through digital commerce channels under the ₹25,060-crore Export Promotion Mission (EPM).
According to the notification, MSMEs that have demonstrated a minimum track record of six months of exports through postal or courier channels and maintain inventory in overseas warehouses for e-commerce fulfilment will qualify for financial support under the initiative.
The DGFT clarified that new MSMEs can also access the scheme if they participate in international value chains through e-commerce and have at least one year of consistent domestic e-commerce operations.
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Credit Support and Interest Subvention
The scheme provides credit facilities backed by interest subvention and partial credit guarantees to enhance access to working capital for exporters operating through digital channels. The annual interest subvention benefit will be capped at ₹15 lakh per MSME beneficiary involved in global e-commerce supply chains.
The credit framework has been structured around two key facilities:
Direct E-commerce Credit Facility: For exporters shipping goods directly through postal or courier routes, the credit limit will be determined at up to 20% of the average e-commerce export sales recorded over the past two years.
Overseas Inventory E-commerce Credit Facility: For exporters maintaining stock in international warehouses, banks may extend credit of up to 50% of the value of the inventory held overseas.
In addition, exporters with goods stored in facilities established under the E-Commerce Export Hub (ECEH) initiative will also be eligible for support.
Objective: Strengthening Global Market Access
The intervention aims to provide MSME exporters with easier access to working capital so they can manufacture goods in anticipation of demand, maintain inventory abroad, and expand their participation in international e-commerce markets.
Under the framework, banks extending credit in the form of cash credit, overdrafts, or other working capital facilities will receive credit guarantee coverage. The financing will also be supported by interest subvention within specified limits to reduce borrowing costs for exporters.
Pilot Implementation
The programme will initially be implemented on a pilot basis through the Export-Import Bank of India. The bank will facilitate the credit assistance mechanism and oversee operational aspects of the scheme.
The DGFT further noted that exporters seeking support must satisfy the eligibility conditions, including proof of export activity through postal or courier channels, existing overseas inventory for e-commerce fulfilment, or stock placed in warehouses operating under the ECEH framework.
Support for Emerging Export Opportunities
In a separate move, the DGFT also released guidelines for another component of the Export Promotion Mission aimed at supporting emerging export opportunities. This measure will provide risk-sharing mechanisms for eligible trade finance transactions backed by banks.
Notification Details
Trade Notice No. 32/2025-26
Date: 06/03/2026
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