RBI announced a 4-month moratorium (Sept 1–Dec 31, 2025) for exporters in 20 sectors facing global trade disruptions

1.RBI announced a 4-month moratorium (Sept 1–Dec 31, 2025) for exporters in 20 sectors facing global trade disruptions.

2.Only exporters with "standard asset" export credit as of 31 Aug 2025 are eligible for the moratorium.

3.Interest during the moratorium is charged on a simple interest basis ( not compounding) and converted into a FITL.

4.The FITL must be repaid after 31 Mar 2026 but before 30 Sep 2026.

5.Lenders may recalculate drawing power for working capital between Sept–Dec 2025 to ease liquidity by reducing margins from drawing power

6.Availing the moratorium does not downgrade the borrower or impact NPA classification.

7.RBI extended export realization and repatriation period from 9 months to 15 months.

8.RBI increased maximum credit period for export credit from 270 days to 450 days for loans disbursed till 31 Mar 2026.

9.RBI extended the shipment period for advance-received export orders from 1 year to 3 years.

10.Exporters may now liquidate unused packing credit using domestic sales or alternate funding sources.

11.Government approved Credit Guarantee Scheme for Exporters (CGSE) for collateral-free loans up to ₹20,000 crore.

12.Moratorium aims to mitigate financial stress caused by US tariff hikes and global supply chain headwinds.

13.Liquidity relief under the scheme is expected to improve exporters’ cash flow during trade disruptions.

14.Lenders must make a 5% provision on outstanding loans extended under the moratorium facility.

15.Banks fear temporary increase in provisioning pressure if large exporter groups opt for relief.

16.The overall package ensures business continuity of viable export units during global volatility.

1.Fish & Crustaceans

2.Organic Chemicals

3.Miscellaneous Chemical Products

4.Plastics & Rubber

5.Articles of Leather

6.Carpets

7.Knitted Apparel, Made-ups & Worn Clothing

8.Footwear

9.Articles of Stone / Cement

10.Pearls, Precious & Semi-Precious Stones

11.Iron & Steel Articles

12.Aluminium Products

13.Machinery & Mechanical Appliances

14.Electrical Machinery & Equipment

15.Vehicles & Parts

16.Optical, Photographic & Medical Instruments

17.Nuclear Reactors / Boilers

18.Furniture & Lighting

19.Textile Made-ups

20.Worn Clothing

The information above is sourced from the following credible financial news portals: