The Reserve Bank of India (RBI) has implemented a set of financial support measures for its regulated entities, including commercial banks, non-banking financial companies (NBFCs), and cooperative banks, primarily aimed at assisting the export sector.
Key among these provisions is a loan moratorium or deferment of payments on term loans and the recovery of interest on working capital loans. This relief applies to dues falling between September 1, 2025, and December 31, 2025, with interest accruing on a simple interest basis during this period, without any compounding effect.
Additionally, the RBI has extended the maximum credit period for pre-shipment and post-shipment export credit from 270 days to 450 days, applicable to credit disbursed until March 31, 2026. The central bank also mandated Credit Information Companies (CICs) to ensure that these relief actions do not adversely impact borrowers' credit histories and directed regulated entities to establish a Management Information System (MIS) to monitor the relief provided.
Source: https://indianexpress.com/article/business/rbi-trade-relief-measures-loan-moratorium-credit-tenor-extension-10366303/