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Export Packaging Credit (EPC)

T Bank offers the credit facility for shipment/packaging of finished goods against Export Letter of Credit (LC) bills from the overseas importers/buyers. The “Export Packaging Credit” will be financed as a short-term overdraft facility against the receivable of Export Letter of Credit bill issued by the overseas importers/buyers.

Secured Export Packaging Credit (Normal product)

  • Existing client and borrowers with good credibility.

  • 9% p.a floating

  • Maximum of 75% of LC value and the collateral is required for the loan

  • Maximum 180 days


Unsecured Export Packaging Credit

  • State Owned Enterprise and existing clients with good credibility

  • 12.00% p.a. floating

  • Maximum of 50% of LC value

  • Maximum 180 days

  • Application form duly filled in and signed on all the pages.
  • Copy of Citizenship Identity (CID) of the applicant.
  • Copy of Citizenship Identity CID of the guarantor, if applicable.
  • Guarantor application form duly filled in and signed on all the pages, if applicable
  • One recent Pass Port size photograph of the applicant.
  • One recent Pass Port size photograph of the guarantor, if applicable
  • A copy of a valid export license.
  • Projections of export sales for current year.
  • A standard agreement should consist the following points:
    1. Quantity and quality of export
    2. Price Negotiated / Rate
    3. Terms of payment
    4. Standard terms of LC
    5. Re-imbursement Authority to be incorporated
  • Ownership certificate(s) of the collateral security offered to bank.
  • Consent letter from the Family or joint owner if the collateral provided is in joint and co-ownership.
  • Family tree if the collateral is in family name.
  • CIB report
  • Floor price for export of proposed product, if applicable

Export Packaging Credit Loan application

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