Post Shipment Credit (INR)

Post-shipment finance is typically issued from the date of loan extension and after the shipping of products to be realized on the date the exporter continues. This helps the exporter to obtain credit quickly before the importer initiates funds.

Low Initial Payment

Enticing EMI

Instant Acceptance

No guarantor

Used Vehicle Loans

Refinance Existing Loans

Eligibility Criteria

The eligibility criteria are determined by a variety of elements such as the individual's age, repayment history, business sales/turnover, and creditworthiness, among others.

  • Individuals must be between the ages of 25 and 65.
  • Individuals and businesses involved in export are eligible.
  • Any entity involved in the export of goods
  • This service is only available to exporters who have orders in their name.
  • Some institutions provide funding for third-party manufacturers who do not export on their own.
  • Exporters should not be on the Reserve Bank of India's watch list (RBI).

Documents Required

  • Two Photographs
  • Pan Card Copy
  • Aadhar Card + Passport
  • Address Proof (If Rented, also provide Permanent Address Proof)
  • Last 3 Years Form-16, ITR with Computation of Income (if filed)
  • Last 1 Year Bank Statement – Salary Account
  • Loan Schedule & Sanction Letter (if running)
  • Complete Property Papers with Chain & Map + ATS
  • Processing Fee Cheque in favour of the Bank
  • Last 3 Months’ Salary Slip + Appointment Letter
  • Photograph Both
  • Pan Card Clear Copy – Proprietor
  • Address Proof (Passport, Voter ID Card) – Proprietor
  • Office Address Proof Latest (Electricity Bill, Telephone Bill)
  • Firm Registration Certificates & GST Registration Copy
  • Last 1 Year GST Return Copy
  • Firm 3 Years ITR Computation, Profit & Loss A/C, Balance Sheet, Tax Audit Report, All Schedules & Annexures
  • Provisional Financial AY 2023-24
  • Bank Accounts (Current Account, CC Account, OD Account – Last 1 Year Updated)
  • 6 Month Savings Account Statement Updated (Proprietor)
  • If Running Any Loan, Provide Sanction Letter and Repayment Schedule
  • Agreement to Sell Copy
  • Property Papers with Complete Chain & Sanctioned Map
  • Photograph – All Partners
  • PAN Card – Company and All Partners
  • Address Proof – All Partners (Passport, Voter ID, PAN Card, Aadhaar)
  • Firm Address Proof – Latest Utility Bill
  • Partnership Deed Copy
  • GST Certificate
  • GST Return – Last 1 Year
  • 3 Years Company ITR, P/L A/C, Balance Sheet + Audit Report (3CB, 3CD), All Annexures & Schedules – CA Certified
  • Provisional Financials – AY 2023-24
  • 3 Years All Partners’ Individual ITR + Computation
  • Firm All Bank Account Statements – Last 1 Year Updated
  • All Partners' Saving Account Statements – Last 6 Months
  • If Running Any Loan – Latest Sanction Letter + Track Record or Repayment Schedule
  • Agreement to Sell Copy
  • Complete Property Papers with Chain & Map
  • All Directors’ Photograph
  • Clear PAN Card – Company and All Directors
  • Address Proof – Company and Directors
  • List of Directors & Shareholders – CA Certified as on Date
  • Memorandum Order in Hand and Complete Copy (if applicable)
  • GST, Sales Tax, VAT, and SSI Registration Certificate
  • 1 Year GST Returns
  • All Directors’ Individual ITR & Computation – Last 3 Years
  • Last 3 Years Complete Financials with Tax Audit Report and Annexures
  • Provisional Financials for Last FY or Month-wise Sales Figures – Last 1 Year
  • Company All Bank Account Statements – Last 1 Year Updated
  • All Directors’ Saving Account Statements – Last 6 Months
  • If Running Any Loan – Latest Sanction Letter and Repayment Schedule
  • Agreement to Sell Copy
  • Property Papers – Complete Chain with Sanction Map

FAQs

Got questions? Our FAQs have answers and a sprinkle of humor. Dive in and discover more!

1. What exactly is the Post Shipment Credit INR fund?

Post Shipment Credit INR is a sort of fund supplied by the bank to the exporter or seller in exchange for a previously made shipment.

2. How much can I borrow for Post Shipment Credit?

You can obtain Post Shipment Loans of up to 10 crores or more, depending on your requirements.

3. What is the interest rate on Post Shipment Credit funds?

You might get a Post Shipment Loan for a short or extended period following interest rate will be charged:-

  • For short-term Post Shipment Loan – maximum period is 90 days.
  • For long-term Post Shipment Loan – maximum period is 6 months.

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