Senseible

Is the 450-day export credit period still allowed?

Only for credit disbursed up to 30 June 2026. The Reserve Bank of India (RBI) let banks extend pre-shipment and post-shipment export credit to 450 days for disbursals up to that date, because of logistical disruption. As of 6 November 2026 we found no extension on RBI's site, so ask your bank which period applies.

What RBI allowed

The Reserve Bank of India (Trade Relief Measures) Directions, 2026, dated 31 March 2026, say a lender may permit an enhanced credit period of up to 450 days for pre-shipment and post-shipment export credit disbursed till 30 June 2026. The word is may: it is the lender's choice.

How it got there

Credit disbursed after 30 June 2026

The directions we read give no 450-day window for it. The earlier maximum was one year, as RBI's November 2025 release states. Ask your bank which period applies to your facility.

What to do

Ask your bank in writing which period applies to each facility and the date it was disbursed. Check the RBI notifications page for any amendment after 31 March 2026.

What Senseible does here

Senseible does not set credit terms. It turns fuel and power bills into a dated emissions record, kept ready for the buyer and bank requests that come with an export order. Senseible does not lend. It connects verified records to its financing partners, the partner decides, and nothing is guaranteed.

Sources: RBI, Reserve Bank of India (Trade Relief Measures) Directions, 2026, 31 March 2026, paras 6 and 7, RBI press release, Trade Relief Measures for Exporters, 31 March 2026, RBI press release, Trade Relief Measures, 14 November 2025

Last reviewed 2026-11-06.