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Business, & agriculture finance

Exporters' Gold Card Scheme

export-credit scheme with simplified processing, a 20% standby limit over assessed fund and non-fund limits, three-year sanction subject to renewal and preferential packing credit in foreign currency.

Facility amountNot published as a numeric minimum or maximum; the scheme describes assessed fund-based and non-fund-based limits plus a 20% standby limit.Export-credit pricingCompetitive interest rate on pre- and post-shipment rupee or foreign-currency export credit; concessions may be availableCustomer typeCreditworthy exporters with a good track record
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Quick eligibility check

Exporters' Gold Card Scheme

0 of 5 answered

Answer what you know. This guide compares your answers with the criteria published for this product; it is not an approval decision. Your answers stay on this device.

1Does your annual turnover meet this requirement: Existing customers or new connections with standard-asset accounts continuously for the last 3 years, no adverse conduct, no ECGC/RBI blacklisting, no losses in the past 3 years and overdue export bills no more than 10% of prior-year turnover?

Published source: Eligibility

2Do you meet this requirement: greenfield projects may be considered case-by-case?

Published source: Eligibility

3Do you meet this requirement: exporters are directed to contact an SBI Forex/Trade Finance branch for details?

Published source: Required documents

4Do you meet this requirement: Creditworthy exporters with a good track record?

Published source: Customer type

5Does your annual turnover meet this requirement: Existing customers or new connections may qualify when accounts have been standard assets for three continuous years, show no adverse conduct, are not ECGC/RBI blacklisted, have not incurred losses for three years and overdue export bills do not exceed 10% of the previous year's turnover?

0 of 5 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 1 Sept 2026 · active
Offered byState Bank of India

India

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

ObjectiveHassle-free export credit on best terms for creditworthy exporters with a good track recordEffective 6 Jan 2020View source
Hassle-free availability of export credit on best terms for creditworthy exporters with good track record.
Source
Exporters' Gold Card Scheme — official product page
Page / section
Parameter table — Objective
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
EligibilityExisting customers or new connections with standard-asset accounts continuously for the last 3 years, no adverse conduct, no ECGC/RBI blacklisting, no losses in the past 3 years and overdue export bills no more than 10% of prior-year turnover; greenfield projects may be considered case-by-caseEffective 6 Jan 2020View source
Accounts standard assets for three years; no irregularities; exporter not blacklisted by ECGC or in lists; no losses for three years; overdue export bills not over 10% of previous year's turnover.
Source
Exporters' Gold Card Scheme — official product page
Page / section
Parameter table — Eligibility criteria
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Credit-limit assessmentSimplified sanction and renewal; a standby limit of 20% is sanctioned over assessed fund-based and non-fund-based limits for sudden ordersEffective 6 Jan 2020View source
Standby limit of 20% over and above assessed fund based and non-fund based limits.
Source
Exporters' Gold Card Scheme — official product page
Page / section
Parameter table — Assessment of Credit Limit
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Application timelinesFresh applications: 25 days; renewals: 15 days; ad hoc limits: 7 daysEffective 6 Jan 2020View source
Time frame for disposal: fresh applications 25 days, renewal 15 days, ad hoc limits 07 days.
Source
Exporters' Gold Card Scheme — official product page
Page / section
Parameter table — Time Limit
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Export-credit pricingCompetitive interest rate on pre- and post-shipment rupee or foreign-currency export credit; concessions may be availableEffective 6 Jan 2020View source
Competitive rate of Interest on Pre & Post Shipment Rupee/ Foreign Currency Export Credit; provision for concessions in interest rates.
Source
Exporters' Gold Card Scheme — official product page
Page / section
Parameter table — Rate of Interest / Benefits
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Service charges / ECGC premiumSimplified service-charge structure; further concessions may be provided at SBI's discretion; ECGC guarantee may be exempted in deserving cases at the bank's discretionEffective 6 Jan 2020View source
Simplified Service Charges structure; further concession based on value of account at bank discretion; exemption from ECGC guarantee in deserving cases at discretion.
Source
Exporters' Gold Card Scheme — official product page
Page / section
Parameter table — Service Charges / ECGC Premium
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Sanction validityLimits sanctioned for 3 years, with renewal subject to fulfilment of sanction terms and conditionsEffective 6 Jan 2020View source
Limits sanctioned for 3 years with renewal subject to fulfilment of terms and conditions of sanction.
Source
Exporters' Gold Card Scheme — official product page
Page / section
Parameter table — Benefits to Exporters
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Exporter benefitsBetter terms, simplified applications, faster processing, preference for PCFC, possible interest concessions and standby limitEffective 6 Jan 2020View source
Benefits include better terms, simplified applications, faster processing, limits for three years, preference for packing credit in foreign currency, interest concessions and standby limit.
Source
Exporters' Gold Card Scheme — official product page
Page / section
Parameter table — Benefits to Exporters
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Facility amountNot published as a numeric minimum or maximum; the scheme describes assessed fund-based and non-fund-based limits plus a 20% standby limit.Effective 6 Jan 2020View source
The table specifies simplified assessment and 20% standby over assessed limits, but no numeric facility floor or ceiling.
Source
Exporters' Gold Card Scheme — official product page
Page / section
Complete page review — Assessment of Credit Limit
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Geographic limitsIndiaView source
The manually reviewed product record states: “India”.
Source
Exporters' Gold Card Scheme — official product page
Page / section
Published product metadata
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Customer typeCreditworthy exporters with a good track recordView source
The manually reviewed product record states: “Creditworthy exporters with a good track record”.
Source
Exporters' Gold Card Scheme — official product page
Page / section
Published product metadata
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Turnover / vintageExisting customers or new connections may qualify when accounts have been standard assets for three continuous years, show no adverse conduct, are not ECGC/RBI blacklisted, have not incurred losses for three years and overdue export bills do not exceed 10% of the previous year's turnover. Greenfield projects may be considered case-by-case.View source
The manually reviewed product record states: “Existing customers or new connections may qualify when accounts have been standard assets for three continuous years, show no adverse conduct, are not ECGC/ blacklisted, have not incurred losses for three years and overdue export bills do not exceed 10% of the previous year's turnover. Greenfield projects may be considered case-by-case.”.
Source
Exporters' Gold Card Scheme — official product page
Page / section
Published product metadata
Accessed
1 Sept 2026
Confidence
high
Open official source ↗

Benefits and features

  • 20% standby limit over assessed fund and non-fund limits
  • Fresh applications targeted for disposal in 25 days; renewals in 15 days; ad hoc limits in 7 days
  • Limits sanctioned for 3 years subject to terms and renewal
  • Preference for packing credit in foreign currency () and possible interest concessions

Eligibility

  • Existing customers or new connections may qualify when accounts have been standard assets for three continuous years, show no adverse conduct, are not ECGC/ blacklisted, have not incurred losses for three years and overdue export bills do not exceed 10% of the previous year's turnover. Greenfield projects may be considered case-by-case.

Passing a listed condition does not mean the bank will approve an application.

Related official documents

SBI Bouquet of Products and Services — Version 3.0 (Business loan section)official-pdf · current · accessed 10 Sept 2026
↗
SBI Exporters' Gold Card Scheme — official SBI product pageofficial-product-page · current · accessed 1 Sept 2026
↗

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Loan repayment estimate

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One monthly payment₹21,696twenty-one thousand six hundred ninety-six rupees
Interest paid over the full loan₹27,06,939twenty-seven lakh six thousand nine hundred thirty-nine rupees
Everything you repay₹52,06,939fifty-two lakh six thousand nine hundred thirty-nine rupees

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

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Objective · Brief informationHassle-free export credit for creditworthy exporters with good track record

This value is copied from Exporters' Gold Card Scheme — published terms. Check the table notes before relying on it.

Source: Exporters' Gold Card Scheme — official product page · Parameter table Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 7 rows · 2 columnsSBI Exporters' Gold Card Scheme — published termsThe complete parameter table published on SBI's official scheme page.View tableHide table

Scroll sideways to view every column

SBI Exporters' Gold Card Scheme — published terms
ParameterBrief information
ObjectiveHassle-free export credit for creditworthy exporters with good track record
EligibilityStandard asset 3 years; no adverse conduct; no ECGC/ blacklist; no losses 3 years; overdue export bills ≤10% of prior-year turnover
Credit-limit assessmentSimplified sanction/renewal; 20% standby limit over assessed fund and non-fund limits
Application timelinesFresh 25 days; renewal 15 days; ad hoc 7 days
Rate of interestCompetitive pre- and post-shipment rupee/foreign-currency export credit
Service charges / ECGCSimplified charges; concessions and ECGC exemption may be discretionary
BenefitsBetter terms, simplified process, faster processing, 3-year limits, preference, interest concessions, standby limit
  • Last updated on the page: 6 January 2020.
Exporters' Gold Card Scheme — official product page · Parameter table · accessed 1 Sept 2026Open official source ↗
Table 2 · 13 rows · 4 columnsBusiness-loan panelsView tableHide table

Scroll sideways to view every column

Business-loan panels
Product or variantPublished purpose / eligibilityAmount / rate / feeTenure / margin / security
Cash Credit (Working Capital)Manufacturing, trade and services; limits assessed on audited financials/cash flow and projectionsCompetitive rating-linked interest; amount not publishedFacility subject to bank policy
Term LoanManufacturing, trade and services acquiring fixed assets or expanding capacityCompetitive internal/external-rating-linked interest; amount not publishedCollateral as per bank policy
e-DFSDealers/distributors recommended by an Industry Major/6-month -linked; minimum 25% collateral securityCash-credit inventory funding
e-VFS — vendor exposureVendors of reputed corporates; peak monthly sales plus 20% contingency100% invoice funding; ₹10,000–₹30,000 unified charges; nil collateralClean cash credit; T-Bill-linked pricing; in-principle digital sanction up to ₹50 crore
e-VFS — Industry Major exposureCorporate's peak monthly purchases; no individual vendor limit100% invoice funding; no primary security; clean or security-backed by risk assessmentT-Bill-linked pricing; liberalised documentation
Export FinanceExporters using EPC, FBP, , and Exporters Gold CardCompetitive/T-Bill-linked pricing; Interest Equalisation Scheme where eligibleNeed-based limits based on export turnover/orders; collateral as per policy
Asset Backed Loan (Saral)Loan against propertyMore than ₹10 lakh to ₹5 crore; 65% of realizable property value180 months; no primary security envisaged
ABLLoan against propertyMore than ₹5 crore to ₹20 crore; 60% of realizable property value240 months; no primary security envisaged
Car LoanPromoter/partner/director gross taxable income ₹3 lakh+; vehicle purchaseUp to ₹5 crore or 4× annual income, lower of the two5 or 7 years; no collateral, vehicle hypothecation
Fleet FinanceThree years' experience; regular scheme requires 10-vehicle fleet₹50 lakh–₹50 crore tie-up; ₹50 lakh–₹5 crore regular72 months incl. 5-month moratorium tie-up; 60 months regular; regular
Healthcare Business LoanHealthcare practitioners, hospitals, diagnostics, pharmacies and manufacturers₹10 lakh–₹50 crore; cash credit capped at ₹5 crore10 years incl. 18-month moratorium; 25% tangible collateral above ₹5 crore
Finance to Solar VendorsExisting solar vendors/channel partners/sub-contractors registered with MNREMore than ₹10 lakh to ₹5 crore; processing fee per extant card ratesCash credit; no collateral; cover
EV MitraExisting/prospective and non- businesses setting up public/captive/battery-swapping stationsMore than ₹10 lakh to ₹5 crore; minimum 25% borrower contribution8 years incl. 9-month moratorium; processing fee per extant card rates; amenities capped at 25% of project cost or ₹100 lakh
  • Every row is transcribed from the rendered panels; an amount, fee or security rule is left unpublished when the panel is silent.
Bouquet of Products and Services — Version 3.0 (Business loan section) · Printed pages 29–31 / physical pages 36–38 · accessed 10 Sept 2026Open official source ↗

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