If You're an Indian MSME Exporter, There's a 2026 Government Scheme You Probably Haven't Heard Of
You packed the order. You shipped it internationally. The marketplace confirms delivery.
Now your supplier is calling. Payment due today.
And the international payment? 45 to 60 days away.
This is the cash flow trap that stops thousands of Indian small businesses from scaling their international e-commerce operations — not lack of demand, not poor product quality. Just timing.
In March 2026, the government launched a scheme built specifically for this problem.
It's called CAECE — Credit Assistance for E-Commerce Exporters.
It's not a direct loan. It's a credit guarantee and interest subvention framework — meaning your bank loan gets a government-backed guarantee and your interest cost drops by 2.75% per year. No collateral required.
Two credit windows depending on how you export:
If you ship through Amazon Global, Etsy, eBay, or any courier/postal channel — you can access up to ₹50 lakh with 90% guarantee coverage.
If you run an overseas inventory model — stocking in foreign warehouses or an E-Commerce Export Hub — you can access up to ₹5 crore with 75% guarantee coverage.
Both come with a 2.75% interest subvention, capped at ₹15 lakh per year.
Who qualifies:
— Active IEC (Importer-Exporter Code) not on the Denied Entity List — Valid Udyam Registration linked to your IEC — 6 months of proven postal or courier export history
Haven't exported internationally yet? If you have one year of documented domestic e-commerce operations on any Indian marketplace, you still qualify. The scheme has an explicit on-ramp for domestic sellers going global.
How to apply:
Apply on the DGFT portal, get a Unique Identity Number, take it to a registered scheduled bank. Exim Bank of India approves in 3 business days. NCGTC confirms guarantee in 1 day. Bank disburses.
If you export through postal or courier channels, a CA certificate of export turnover for the two preceding years is mandatory.
Full eligibility details and registered lending banks are on the official India e-commerce export working capital loan scheme page.
The scheme is live as of March 2026. Most of the exporters it was built for haven't heard of it yet.
Source: DGFT Trade Notice No. 31/2025-26 · Exim Bank of India
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