Pre Shipment Credit (INR)!

Pre-shipment facilities enable you to obtain funds for boosting export growth simply by using trade receivables. It serves as a working capital loan to help with the purchase of raw materials, processing, and manufacturing of high-quality goods till shipment.

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.
  • Commercial exporters
  • Manufacturers who export
  • 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 under their name.
  • 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 Months Saving Account Statement Updated (Proprietor)
  • If Running Any Loan, Please Provide a Sanction Letter and Repayment Schedule
  • Agreement to Sell Copy
  • Property Papers with Chain Sanction Map
  • Photograph Partners
  • Pan Card - Company, 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, COI, Profit & Loss A/C, Balance Sheet, Audit Report (3CB, 3CD), All Annexures and Schedules - CA Certified
  • Provisional Financial AY 2023-24
  • 3 Years All Partner Individual ITRs with Computation
  • Firm All A/C Bank Statements - Last 1 Year Updated
  • All Partner Saving A/C Statements - Last 6 Months
  • If Running Any Loan – Latest Sanction Letter and Repayment Schedule or Track Record
  • Agreement to Sell Copy
  • Property Papers with Complete Chain and Map
  • All Director’s Photograph
  • Clear Pan Card – Company and All Directors
  • Address Proof – Company and Directors
  • List of Directors & Shareholders with CA Certification as on Date
  • Memorandum Order in Hand and Complete Copy (If Applicable)
  • GST, Sale, 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 Annexure
  • Provisional Financials for Last FY or Month-wise Sales Figure – Last 1 Year
  • Company All Bank Account Statement – Last 1 Year Updated
  • All Directors' Saving A/C Statement – 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 is INR Pre-Shipment Credit?

Pre-shipment finance is a loan granted by a bank to an exporter to fund the purchase, processing, manufacture, or packing of products prior to shipment.

2. How do I obtain Pre Shipment Credit?

You can obtain a pre-shipment credit loan from either the private or public sector.

3. When do I have to pay back the Pre Shipment Credit fund?

You must reimburse the Pre Shipment Credit Fund over 6 months.

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