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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
Official product page ↗Compare category

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 ↗
CollateralNot published on the complete SBI Exporters' Gold Card Scheme page; the parameter table covers eligibility, limits, timelines, rates, service charges and benefits but does not state collateral security.Effective 6 Jan 2020View source
The complete published parameter table contains no collateral-security term.
Source
Exporters' Gold Card Scheme — official product page
Page / section
Complete page review — Parameter table
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Required documentsNot published on the complete SBI Exporters' Gold Card Scheme page; exporters are directed to contact an SBI Forex/Trade Finance branch for details.Effective 6 Jan 2020View source
For details please contact Forex/Trade Finance branch nearest to you; no document checklist is published.
Source
Exporters' Gold Card Scheme — official product page
Page / section
Complete page review — closing instruction
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 ↗
Processing / upfront feeNot published as a numeric processing-fee amount; the scheme states a simplified service-charge structure and possible discretionary concessions.Effective 6 Jan 2020View source
The page publishes a simplified service-charge structure but no numeric processing-fee amount.
Source
Exporters' Gold Card Scheme — official product page
Page / section
Complete page review — Service Charges / ECGC Premium
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 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

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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 ↗

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