Export Finance · Working Capital
Pre-Shipment Finance Calculator
Calculate the complete cost of packing credit — INR or PCFC — including interest, ECGC premium, and bank charges. Compare schemes to find your cheapest working capital option.
🏦 Packing Credit (INR)
💵 PCFC (Foreign Currency)
🛡️ ECGC Premium
📊 Scheme Comparison
1
Finance Scheme
Select INR packing credit or foreign currency (PCFC)
₹
Total FOB value of the export order
%
Banks typically sanction 75–85% of order value
days
Days from order to shipment
days
Buyer’s credit period (usance)
2
INR Packing Credit Rates
MCLR-based rupee borrowing
%
Bank’s MCLR + spread. Typical: 8.5–11%
%
Interest Equalisation Scheme (MSME)
3% subvention on MSME manufacturer-exporter credit
₹
₹
3
ECGC Insurance Premium
Export credit insurance cost
Include ECGC premium in cost
Recommended — protects against buyer default
4
Other Working Capital Costs
Insurance, inspection, compliance
₹
~0.3–0.8% of CIF value
₹
₹
₹
⚠️
Advisory: Rates shown are indicative. Actual packing credit rates depend on your bank, credit history, and ECGC cover. Interest Equalisation Scheme eligibility varies by HS code and exporter category — verify with your bank before applying.
Finance Cost Statement
INR PC
Enter order value to calculate
🏦
Finance cost will appear here
Enter your export order value above