Export Promotion Mission to offer credit cards and collateral support for e-commerce exporters

India’s newly approved Export Promotion Mission (EPM) will introduce dedicated credit cards for e-commerce exporters and provide collateral support to ease access to trade finance, the Commerce Ministry announced on Monday. The initiative, cleared by the Union Cabinet last week, will run for six years from FY26 with a total outlay of ₹25,060 crore and will be executed jointly by the Department of Commerce, Ministry of MSME and Ministry of Finance.

The EPM framework consists of two flagship schemes — Niryat Protsahan and Niryat Disha.
Niryat Protsahan is designed to strengthen India’s trade finance ecosystem, specifically addressing the financing shortfall faced by MSME exporters.

Niryat Disha aims to enhance India’s export readiness by tackling non-tariff barriers, supporting compliance upgrades, and improving the global competitiveness of Indian goods and services.

Commerce Secretary Rajesh Agrawal said the dedicated credit card under Niryat Protsahan would provide e-commerce exporters with “alternative credit instruments” to compensate for their limited access to traditional export finance. The scheme will also offer interest subvention on pre-shipment and post-shipment loans to lower borrowing costs and ensure continuous liquidity.

Niryat Disha focuses on reducing compliance-related costs that often deter smaller exporters from meeting global standards. The Commerce Ministry said the programme would help bridge cost gaps related to testing, certification and audits required for international market entry. Support will also be provided for quality upgrades, product testing, and participation in global trade fairs, buyer–seller meets and export delegations. Additional features include shared warehousing infrastructure to lower fulfilment costs and incentives to offset inland transport and handling expenses.

In addition to credit cards, Niryat Protsahan will expand access to alternative trade-finance tools, including export factoring and deep-tier financing. The mission will extend collateral support, along with shared-risk and credit-enhancement facilities, enabling MSMEs to pursue opportunities in newer and high-growth markets.

Together, the two schemes aim to ease financial constraints, boost competitiveness and expand India’s export footprint in key global markets.