GJEPC organised a webinar on 21 August 2026 to familiarise exporters with Niryat Protsahan schemes under the Government of India’s Export Promotion Mission (EPM), with a focus on affordable finance, e-commerce exports and market diversification. The session featured Trupti Mhatre, General Manager, Export-Import Bank of India (Exim Bank); Sabyasachi Ray, Executive Director, GJEPC; and K.K. Duggal, Director – Trade & Policy, GJEPC.
Mhatre outlined the Credit Assistance for Niryat E-Commerce Finance Facility, designed particularly for micro and small enterprises that may lack collateral for conventional bank finance. Eligible MSMEs can access working capital through scheduled commercial banks, backed by an Exim Bank guarantee. The facility offers credit of up to ₹50 lakh, guarantee cover of up to 90%, a 2.75% interest subvention and a maximum tenure of 360 days. Eligible first-time exporters can also qualify based on at least one year of domestic e-commerce experience.
The Trade Assistance Programme (TAP) was presented as a tool for exporters seeking to enter higher-risk and emerging markets. The programme covers 72 countries and provides support through Letter of Credit (LC) confirmation, with more than 3,000 transactions supported so far and incremental exports of close to US$4 billion. More than 60 countries have received support, with MSMEs accounting for around one-third of beneficiaries.
The discussion also covered Niryat Disha initiatives, including designated overseas warehouses that could help exporters hold inventory closer to customers and reduce delivery times. Mhatre said such designated facilities would be eligible for financing under the e-commerce scheme, while discussions were underway on identifying warehouse locations based on market and product requirements, including those of the gems and jewellery sector.
For the jewellery sector, the webinar highlighted an important limitation: TAP is primarily relevant to LC-based transactions, whereas much of gems and jewellery exports operate through documents against payment (DP) or acceptance (DA). Mhatre therefore identified the e-commerce credit facility as potentially more relevant for jewellery exporters seeking working capital support. She urged exporters to approach their banks, maintain sound repayment records and use the schemes to expand into new markets. The Export Promotion Mission (EPM) is scheduled to continue through 2031.