Home / All services / Export Packing Credit (PC / PCFC)
Pre-shipment · order or LC in hand
Pre-shipment finance for exporters
Funds to pack and ship against an export order or LC. Tenor follows the shipment, not a seven-year plant EMI. IEC and export banking sit on the file.
Indicative ticket
₹5 Lakh – As per export cycle
Tenure
Aligned to shipment (often 90–180 days)
Security
Export documents + WC security as applicable
Category
Trade finance
Trade finance
Pre-shipment packing credit in INR or forex for MSME exporters against confirmed orders or letters of credit.
Finance raw material and packing before shipment for IEC exporters. Closed from export proceeds — distinct from a domestic cash-credit.
Exporters should not fund a 90-day overseas order from a domestic cash-credit built for local godown stock. PC/PCFC is tied to an export order or LC and has a clear liquidation path from shipping documents.
We look at IEC, past shipping bills, and whether the order is real. Related-party overseas buyers and perpetual extensions are common credit questions.
Post-shipment bill purchase or discounting can sit next to packing credit so the cycle from production to remittance stays funded. Mixing that with a personal gold loan is a fair-practice risk we avoid.
Sanction, currency (INR vs PCFC) and tenor follow the bank’s export desk and RBI/FEMA conduct — not a website headline rate.
Rupee packing credit versus foreign-currency packing credit. The choice follows the invoice currency, the bank’s treasury and your natural hedge — not a website toggle. Post-shipment (bill discount / negotiation) is a different step after shipment.
Overdue export bills, related overseas buyers, and GST that does not match LUT / shipping bills. A domestic trader without IEC does not belong on this page.
Rupee packing credit versus foreign-currency packing credit follows invoice currency, the bank’s treasury and your natural hedge — not a website toggle. Post-shipment (bill discount / negotiation) is a different step once goods have shipped.
Order or LC in hand is the opening fact. Manufacturing for ‘we will find an export buyer’ is a domestic WC or project conversation. Machinery import is not packing credit.
Unlike domestic CC, this is tied to an export cycle. Unlike BG/LC as a product page, here the limit is typically funded packing credit. Unlike invoice discounting of local corporates, the buyer is overseas and documents are shipping documents.
Typical desk timeline: 2–4 weeks with export order
Create your MSME desk account or log in. Tell us city, Udyam band, turnover range and the purpose of funds in one clear sentence. Consent is recorded before any lender share.
Export contract, LC or DA terms and production/shipment timeline. Domestic-only sales belong on WC/CC pages.
Pre-shipment packing credit vs post-shipment limits — mapped to your order and buyer country.
Promoter KYC, Udyam, GST, banking and purpose papers are listed product-wise. You upload once to the vault; we tell you what is missing before the file goes to credit.
The file moves to a partner bank, NBFC or HFC that matches your profile. Queries on GST vs banking, end-use or security are coordinated with you — we do not promise sanction from this website.
PC is earmarked against order; liquidation happens from export proceeds. FEMA and bank export policies apply.
Quick apply for Export Packing Credit (PC / PCFC) without creating an account — or login if you want vault KYC and status tracking on your desk.
Usually no. Packing credit is for actual exports. Domestic e-commerce is working capital / cash credit.
Packing Credit in Foreign Currency — a forex variant of pre-shipment finance. Suitability depends on your currency exposure and the bank’s product.
Not always. Some banks fund against confirmed orders for established exporters. First-time or weak buyers may still need LC-backed structures.
Figures are indicative. Not an offer. Sanction, rate and security rest with the bank, NBFC or HFC. Scheme names are not a website promise.
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