The short answer
Under Government Order No. 830/18-4-2025 dated 6 November 2025, a Micro, Small or Medium Enterprise (MSME) exporter of Uttar Pradesh (UP) may get back up to 30% of the premium it actually paid to ECGC Limited (ECGC, formerly Export Credit Guarantee Corporation of India Limited, India’s export credit insurer), capped at Rs 5 lakh a year. The order names no ECGC product, so the test is whose premium it is. Cover your bank pays ECGC for is not settled.
The rule that decides everything: the policy must be in your unit’s own name and your unit must have paid the premium to ECGC, as paragraph 3(a) of Government Order 830 requires.
Verified as on 19 October 2026 against Government Order No. 830/18-4-2025 dated 6 November 2025 (Hindi original and annexures), Directorate General of Foreign Trade (DGFT) Notification No. 65/2025-26 as amended, Notification No. 37/2026-27 dated 30 September 2026, Policy Circular No. 01/2026-27, ECGC’s frequently asked questions (FAQ) on RELIEF (Resilience and Logistics Intervention for Export Facilitation) of 7 October 2026 and ECGC product pages. Written by Pratham Agarwal, Founder, Rasp International.
30%of premium actually paid to ECGC, Government Order 830 paragraph 3(b)
Rs 5 lakhcap per exporter unit per year, Government Order 830 paragraph 3(b)
Rs 5 croreturnover ceiling for the ECGC Small Exporters Policy, ecgc.in
95%RELIEF Component II loss cover on new ECGC policies, Notification 65/2025-26
| Scheme | Export Credit Insurance Support Scheme |
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| Governing body | Government of Uttar Pradesh, through the Export Promotion Bureau, Uttar Pradesh |
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| Parent policy | UP Export Promotion Policy 2025-30, Government Order No. 684/18-4-2025/18-4099/31/2025 dated 3 September 2025 |
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| Legal basis | Government Order No. 830/18-4-2025 dated 6 November 2025, effective immediately (paragraph 12) |
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| Who it is for | MSME exporter units of UP, merchant or manufacturer, registered with the Bureau and the Uttar Pradesh Export Promotion Council (UPEPC) (paragraph 3(a)) |
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| What you get | Up to 30% of the amount paid to ECGC as annual premium, maximum Rs 5 lakh per unit per year (paragraph 3(b)) |
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| Validity or deadline | One claim per quarter, within 90 days of the quarter’s last date (paragraph 4(ii)) |
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| Where you apply | Online, direct to the Export Promotion Bureau, Uttar Pradesh (paragraph 4) |
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Why we wrote this
Government Order 830 says how much ECGC premium may come back and when to claim it, but never names an ECGC product. So the first question is: which cover should I take, and will its premium count. Our guide to the UP ECGC premium reimbursement covers the rate, window, documents and route. This post covers the step before: choosing the cover and checking whose premium it is.
Rasp International was founded in 2019 and has served 500+ exporters since 2019.
What Government Order 830 counts as ECGC premium
The Export Credit Insurance Support Scheme is a Government of Uttar Pradesh reimbursement that returns up to 30% of the premium an MSME exporter unit actually paid to ECGC, run by the Export Promotion Bureau, Uttar Pradesh (the Bureau) under the UP Export Promotion Policy 2025-30.
Three phrases decide which premium counts (our translation of the Hindi). Paragraph 3(a): the ECGC premium must have been actually paid by the exporter unit. Paragraph 3(b): up to 30% of the amount paid to ECGC as annual premium. Paragraph 4(ii): the total premium of all insurance policies deposited by the exporter unit in the quarter.
The annexures agree. The form asks for the ECGC policies taken (item 8) and the issuing branch (items 9 and 10). The branch manager certifies that the firm, under its Importer Exporter Code (IEC), paid a stated premium to ECGC in a stated quarter, policy by policy.
ECGC’s own history page on ecgc.in says the company was called Export Credit Guarantee Corporation of India Ltd from 1983 and was renamed ECGC Ltd in August 2014, so older bank letters and policy papers may carry the former name. ECGC sells two families of cover. Exporter policies protect you if your buyer does not pay. Export Credit Insurance for Banks (ECIB) is a set of ECGC covers that a bank buys, and pays for, to protect its own export loans against the exporter’s default. Our page on trade finance and ECGC cover shows where both sit.
ECGC covers one by one and how each fits Government Order 830
“ecgc.in” means ECGC’s product page, checked 19 October 2026. The last column is our reading only.
| Cover or payment | Who pays ECGC | What ECGC says | Fit with Government Order 830 |
|---|
| Small Exporters Policy (SEP) | Your unit | Anticipated yearly turnover up to Rs 5 crore; minimum premium Rs 5,000 (ecgc.in) | Fits paragraph 3(a) |
| Shipments (Comprehensive Risks) Policy (SCR) | Your unit | Turnover above Rs 500 lakh; 90% cover (ecgc.in) | Fits paragraph 3(a) |
| Export Turnover Policy (ETP) | Your unit | At least Rs 20 lakh premium a year, in quarterly instalments (ecgc.in) | Fits; 30% of Rs 20 lakh exceeds the Rs 5 lakh cap |
| Micro Exporters Policy (MEP) | Your unit | Turnover up to Rs 100 lakh; minimum premium Rs 25,000 (ecgc.in) | Fits paragraph 3(a) |
| Buyer Exposure Policy (BEP) | Your unit | One policy per buyer; premium upfront in full (ecgc.in) | Fits; the whole premium falls in one quarter |
| Exports (Specific Buyers) Policy (BWP) | Your unit | Chosen buyers; four quarterly instalments (ecgc.in) | Fits; each instalment joins its own quarter |
| Specific Shipment Policy (SSP) | Your unit | Chosen contract or shipment; upfront premium (ecgc.in) | Fits; claim in the quarter of payment |
| ECIB Whole Turnover Packing Credit (WTPC) | Your bank | Protects the bank’s packing credit (pre-shipment export loan) against your default (ecgc.in) | Not settled; check with the Export Promotion Bureau UP |
| ECIB Whole Turnover Post Shipment (WTPS) | Your bank | Protects the bank’s post shipment advances (ecgc.in) | Not settled; same check |
| Advance premium deposit | Your unit | Premium due per shipment, drawn from a deposit (SEP policy bond, clause 10) | Paragraph 4(ii) says “deposited”; ask which figure your branch certifies |
| Processing or credit limit fee | Your unit | Rs 1,000 to Rs 2,000 on several policies, apart from premium (ecgc.in) | The order speaks only of premium; check with the Export Promotion Bureau UP |
| Deposit refunded by ECGC | ECGC pays you | Unused balance refundable if you do not renew (SEP policy bond, clause 10(g)) | Not premium actually paid |
| New Gulf policy under RELIEF Component II | Your unit | Premium kept at the pre-disruption level (Notification 65/2025-26, paragraph 7.1) | Premium fits; check paragraph 7 before using both |
| Policy in a group firm’s name | The other firm | Issued to the exporter named as the insured (SEP policy bond) | Does not match the certificate |
| Marine cargo insurance | Nobody: a general insurer is paid | Cargo damage sits under general insurers’ marine policies (ECGC RELIEF FAQ, question 8) | Not premium paid to ECGC |
| Merchanting trade endorsement (goods bought and sold abroad) | Your unit | Covered with prior approval (ecgc.in SEP and SCR pages) | Not settled; check with the Export Promotion Bureau UP |
Every exporter policy fits the order’s wording; every ECIB cover is the bank’s own policy. Payment style decides which quarter each rupee joins.
Your own ECGC policy compared with your bank’s ECIB cover
An “ECGC” line on a bank statement does not mean you are insured.
| Point | Your exporter policy | Your bank’s ECIB cover | Source |
|---|
| Who is insured | Your unit | The bank | ecgc.in product pages |
| Whose failure is covered | Your buyer, its bank or its country | You, the exporter client | ecgc.in product pages |
| Who pays the premium | Your unit | The bank | ecgc.in product pages |
| Who claims a loss from ECGC | Your unit | The bank | ecgc.in product pages |
| Share of loss covered | SEP 95% commercial, 100% political; SCR 90% | WTPS 90% to 95% if you hold an ECGC policy, 50% to 75% if not | ECGC SEP sales literature; ecgc.in SCR and WTPS pages |
| Fit with the branch certificate | Matches firm, IEC, policy and premium | No obvious match | Government Order 830, certificate format |
| Premium paid by the exporter unit | Yes | Not settled; check with the Export Promotion Bureau UP | Government Order 830, paragraph 3(a) |
| RELIEF Component II | Open to new policies from 16 March 2026 | Written for exporters who take ECGC cover | Notification 65/2025-26, paragraph 7; ECGC RELIEF FAQ, question 4 |
Note the WTPS row: your own ECGC policy also raises your bank’s cover with ECGC.
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RELIEF Component II and the similar benefit bar
RELIEF is a time limited support under the Export Promotion Mission (EPM), notified by DGFT in Notification No. 65/2025-26 dated 19 March 2026 and run through ECGC. Component II lets ECGC cover up to 95% of loss from war related and associated political risks for exporters who take ECGC cover, on shipments to countries such as the United Arab Emirates, Saudi Arabia, Kuwait, Israel, Qatar, Oman, Bahrain, Iraq, Iran and Yemen, energy shipments excluded (paragraph 7.2).
Policy Circular No. 01/2026-27 dated 15 April 2026 adds a new ECGC whole turnover policy (one covering all your shipments) taken for the first time on or after 16 March 2026. Notification No. 11/2026-27 added Egypt and Jordan. Notification No. 37/2026-27 dated 30 September 2026 extended only Component II to 31 March 2027; our post on the RELIEF scheme extension to March 2027 explains who can still use it. Our Export Promotion Mission guide covers the other EPM schemes.
RELIEF does not raise your premium: paragraph 7.1 of Notification 65/2025-26 keeps it at the pre-disruption level, and question 9 of the ECGC RELIEF FAQ says no extra premium is payable. A UP exporter with a new Gulf policy still pays ECGC premium, which fits the wording of Government Order 830.
The bar to check first: paragraph 7 of Government Order 830 allows the reimbursement only if the unit has not taken a full or partial benefit of the same nature from any other central or state scheme run for the same purpose. RELIEF pays on a loss through ECGC; Government Order 830 refunds premium. No document says how the Authorised Committee reads that. Check with the Export Promotion Bureau UP before treating RELIEF and Government Order 830 as stackable, and keep the written answer on file.
Point 4 of the Rs 10 affidavit also states that the firm got no grant or benefit from any state or central scheme against the claim. Ask the Bureau before signing it while a RELIEF claim is open.
What most people get wrong about whose premium counts
All three phrases quoted above from paragraphs 3(a), 3(b) and 4(ii) are about the payer, the exporter unit. Exporters who forget that treat a bank’s ECIB charge as their own premium, expect a list of approved products and mix up RELIEF with this UP refund.
Where the official texts do not line up
- Form item 14 reads “Accepted Premium To Be Paid During Current Financial Year” in English, while the Hindi asks for the estimated premium.
- Paragraph 7 bars a benefit of the same nature for the same purpose. Affidavit point 4 is worded differently: no grant or benefit from any state or central scheme against the claim.
- Paragraph 4(ii) counts premium deposited. ECGC’s SEP policy bond says shipment premium is not deemed paid until the shipment declaration is filed in time (clause 9).
- ECGC’s Micro Exporters Policy page says traders are eligible, then says the policy is not meant for exporters carrying out trade activities only.
Each is a reason to write to the Bureau or your branch before you file, and keep the reply.
Which premium counts and which does not
For registration see our guide to Bureau and UPEPC registration.
- Premium your unit paid to ECGC under a policy in its own name and IEC.
- Premium on any ECGC exporter policy: the order does not limit the product.
- Premium paid by a merchant or a manufacturer exporter (paragraph 3(a)).
- All premium paid in one quarter, in one claim (paragraph 4(ii)).
- Marine cargo insurance from a general insurer.
- Premium paid by another firm, even a group firm.
- Any deposit ECGC refunded to you.
- A quarter whose 90 days have passed.
- Until the Bureau answers: your bank’s ECIB premium, ECGC fees and merchanting trade endorsements.
Edge cases with more than one cover
Policies from two ECGC branches
The form asks for one issuing branch (items 9 and 10). The order does not say how to file with two. Check with the Export Promotion Bureau UP whether one claim with two certificates is accepted.
Moving from SEP to SCR mid year
A unit that outgrows SEP’s Rs 5 crore limit and moves to SCR mid year may pay premium on both. Both still share one Rs 5 lakh cap for the year (paragraph 3(b)).
A renewed policy and RELIEF
Policy Circular No. 01/2026-27 speaks of a whole turnover policy obtained for the first time on or after 16 March 2026. A renewal may not read the same way. Check with your ECGC branch before relying on Component II.
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Quarterly claim steps with more than one ECGC policy
These follow paragraph 4. Our post on UP export subsidy deadlines and the deadline calculator give each quarter’s last date.
- Before: put every policy in the unit’s name. The certificate names your firm and IEC.
- Before: note how each policy charges premium. Deposits, instalments and upfront payments land differently.
- After the quarter: agree the figure. Ask your ECGC branch which figure it will certify, on one certificate for every policy.
- Before filing: leave out unsettled items. Keep ECIB debits, fees and marine insurance out unless the Bureau says in writing they count.
- Filing: one claim within 90 days. For July to September 2026, day 90 is 29 December 2026, as we count it (paragraph 4(ii)).
- After filing: correct within 15 days. Paragraph 4(iii) allows self correction for 15 days from the application date.
- After a revert: answer within 15 days. Otherwise paragraph 4(vi) treats the claim as cancelled.
Lapse rule and fast track: a quarter past day 90 is outside paragraph 4(ii), and an unanswered revert ends the claim after 15 days. No fast track exists. Paragraph 8 gives payment priority to units that joined fairs held by the state, the Bureau or UPEPC.
Five groups of exporters this affects
| Group | Cover ECGC describes | What to watch under Government Order 830 |
|---|
| Turnover up to Rs 1 crore | Micro Exporters Policy, premium paid in full in advance (ECGC MEP sales literature) | The whole premium lands in one quarter |
| Turnover up to Rs 5 crore | Small Exporters Policy with an advance deposit (ECGC SEP policy bond) | Agree the quarterly figure with the branch |
| One or two key buyers | Buyer Exposure or Specific Buyers Policy (ecgc.in) | Cover rests on a limit per buyer, so verify a new overseas buyer first |
| Gulf and West Asia shippers | New policy under RELIEF Component II | The paragraph 7 bar |
| Units whose bank holds ECIB cover | ECIB, the bank’s own policy (ecgc.in) | Not your policy; ask the Bureau first |
Before you ask ECGC for a limit on a new overseas buyer, run the checks in our post on foreign buyer red flags before shipping.
Illustrative composite: one quarter, two policies, one wrong figure
An illustrative composite, not a client. A UP merchant exporter tops up its Small Exporters Policy deposit by Rs 50,000 in July 2026. In August it takes a Buyer Exposure Policy for a new buyer in Oman: Rs 30,000 premium plus a Rs 2,000 fee. Its bank debits Rs 6,000 marked as ECGC premium on its packing credit.
| Paid in July to September 2026 | Amount | Branch certificate in this composite |
|---|
| SEP deposit top up | Rs 50,000 | Rs 42,000, premium on shipments declared |
| BEP premium | Rs 30,000 | Rs 30,000 |
| BEP fee and bank’s ECIB charge | Rs 8,000 | Not shown |
| Total | Rs 88,000 | Rs 72,000 |
The accountant files on Rs 88,000. Form and certificate disagree, so the Bureau reverts the claim under paragraph 4(v). The revert sits unread for three weeks, past the 15 days in paragraph 4(vi), and the claim is treated as cancelled. Day 15 was the point of no return; the order gives no appeal route. A claim on the certified Rs 72,000 may have brought up to Rs 21,600, subject to approval and budget.
How Rasp International helps
We file Government Order 830 claims on the client’s behalf in the client unit’s own name. We give an authority letter only when asked. We also help exporters with ECGC and RELIEF claims. In Rasp International’s experience, the Export Promotion Bureau UP has been helpful and responsive.
You and our team both hold the portal logins, kept safe and confidential. Every client signs a non-disclosure agreement (NDA) and a service level agreement (SLA). We are ISO 9001:2015 certified.
Honest limits
- Government Order 830 does not choose your ECGC cover. It refunds part of the premium after you pay.
- Government Order 830 does not pay a loss. A buyer default is claimed from ECGC under your policy.
- Government Order 830 does not answer the bank side or stacking questions, and it sets no deadline for the Authorised Committee to decide or pay.
What Is Not Yet Notified, Checked on 19 October 2026
- Whether ECIB premium your bank pays counts as premium paid by the exporter unit. Check with the Export Promotion Bureau UP.
- Whether “deposited in the quarter” means the deposit or the premium due on shipments. Check with your ECGC branch and the Export Promotion Bureau UP.
- Whether ECGC processing or credit limit fees count. Check with the Export Promotion Bureau UP.
- Whether RELIEF Component II cover is a benefit of the same nature for the same purpose under paragraph 7. Check with the Export Promotion Bureau UP.
- How to file when two ECGC branches issue your policies. Check with the Export Promotion Bureau UP.
- Whether premium on a merchanting trade endorsement counts. Check with the Export Promotion Bureau UP.
- Whether a fresh claim for the same quarter is accepted after a claim is treated as cancelled. Check with the Export Promotion Bureau UP.
- Whether a trader can take the Micro Exporters Policy. Check with your ECGC branch.
Frequently asked questions
Which ECGC policy counts for the UP premium subsidy?
Government Order 830/18-4-2025 names no ECGC product. It counts premium the exporter unit actually paid to ECGC, across all policies paid in a quarter. Exporter policies such as the Small Exporters Policy or Buyer Exposure Policy fit when held in your unit’s name.
Does Small Exporters Policy premium count under Government Order 830?
It fits the wording, because your unit is the insured and pays ECGC, as paragraph 3(a) requires. ECGC says it suits exporters with anticipated yearly export turnover up to Rs 5 crore. Ask your ECGC branch which quarterly figure it will certify.
Can I claim the premium my bank pays for ECIB cover?
Government Order 830 does not settle it. Paragraph 3(a) asks for premium actually paid by the exporter unit, and Export Credit Insurance for Banks is bought and paid for by the bank. Check with the Export Promotion Bureau UP in writing first.
Is the ECGC processing fee part of the premium?
ECGC lists processing fees apart from premium, for example Rs 2,000 on a Buyer Exposure Policy. Government Order 830 speaks only of premium. Leave fees out unless the Export Promotion Bureau UP confirms in writing that they count towards the 30%.
Does marine cargo insurance count for this subsidy?
Not as we read Government Order 830, which is about premium paid to ECGC. Marine cargo cover comes from general insurers, and ECGC’s RELIEF FAQ of 7 October 2026 places physical cargo damage under their marine policies. That premium never reaches ECGC.
Can I claim premium on two ECGC policies in one quarter?
Yes. Paragraph 4(ii) of Government Order 830 covers the total premium of all policies deposited in the quarter, in one claim. The branch certificate has a table for several policies. All of them share the Rs 5 lakh yearly cap in paragraph 3(b).
What if my policies sit with two ECGC branches?
The form asks for one issuing branch name and email, and each certificate comes from one branch. The order does not say how to file with two branches. Check with the Export Promotion Bureau UP whether one claim with two certificates is accepted.
Does a premium deposit count as premium paid?
Not settled. Whole turnover policies such as the Small Exporters Policy need an advance deposit, and premium falls due on each shipment. Paragraph 4(ii) speaks of premium deposited. Ask your ECGC branch which figure it certifies, then check with the Export Promotion Bureau UP.
Can a merchant exporter claim for an ECGC policy?
Yes. Paragraph 3(a) of Government Order 830 makes merchant and manufacturer units eligible. On the ECGC side, the Micro Exporters Policy page names traders as eligible in one line and excludes pure traders in another, so check with your ECGC branch first.
Can I use RELIEF cover and the UP premium subsidy together?
Paragraph 7 of Government Order 830 bars a benefit of the same nature from another central or state scheme for the same purpose. RELIEF raises loss cover, while the UP order refunds premium. Check with the Export Promotion Bureau UP before treating them as stackable.
Does RELIEF raise my ECGC premium for Gulf shipments?
No. Paragraph 7.1 of DGFT Notification 65/2025-26 says ECGC shall not increase the premium paid by exporters beyond the pre-disruption level. ECGC’s RELIEF FAQ updated 7 October 2026 also says no extra premium is payable under Components I and II.
Until when can I take a new policy for RELIEF Component II?
Notification 37/2026-27 dated 30 September 2026 extended Component II to 31 March 2027. ECGC’s RELIEF FAQ covers new standalone or whole turnover policies starting on or after 16 March 2026, for shipments with a bill of lading or airway bill dated up to 31 March 2027.
Must the ECGC policy be in my unit’s own name?
In practice, yes. Paragraph 3(a) needs premium actually paid by the exporter unit, and the branch certificate names the firm, its proprietor, partner or director and its IEC. A policy held by a group company or another firm of the same owner does not match.
What happens if I claim the wrong premium amount?
An incomplete claim is reverted, and paragraph 4(vi) gives you 15 days to upload records or the claim is treated as cancelled. Knowingly false facts mean full recovery as revenue dues and blacklisting under paragraph 9. Match the branch certificate.
Do I need a consultant to claim the ECGC premium subsidy?
No. A unit can file its own claim online with the form, affidavit, branch certificate and registrations Government Order 830 lists. Help is useful with several policies, a bank side cover or Gulf shipments. Every claim is subject to approval and budget.
Your checklist for this week
- List every ECGC policy your unit holds, with number, branch and payment style.
- Check each policy names your unit and IEC.
- Ask your ECGC branch which figure it will certify for July to September 2026.
- Write to the Export Promotion Bureau UP about any ECIB charge, fee or RELIEF policy.
Sources
- Tier 1. Government Order No. 830/18-4-2025 dated 6 November 2025 (Hindi): upepc.org and epb.up.gov.in.
- Tier 1. UP Export Promotion Policy 2025-30, Government Order No. 684 dated 3 September 2025: invest.up.gov.in.
- Tier 1. DGFT Notification No. 65/2025-26 dated 19 March 2026: content.dgft.gov.in.
- Tier 1. DGFT Policy Circular No. 01/2026-27 dated 15 April 2026: content.dgft.gov.in.
- Tier 1. DGFT Notification No. 11/2026-27 dated 17 April 2026: content.dgft.gov.in.
- Tier 1. DGFT Notification No. 37/2026-27 dated 30 September 2026: content.dgft.gov.in.
- Tier 2. ECGC Ltd, History page (former names), read 25 October 2026: ecgc.in.
- Tier 2. ECGC RELIEF FAQ updated 7 October 2026: ecgc.in.
- Tier 2. ECGC exporter policy pages: SEP, SCR, ETP, MEP, BEP, BWP and SSP.
- Tier 2. ECGC bank cover pages: ECIB WTPC and ECIB WTPS.
- Tier 2. ECGC SEP policy bond, Form No. 102: ecgc.in. Sales literature: SEP and MEP.
This is general guidance. Rules change. Check the current notification or order, or speak to us, before you act.
Related: UP ECGC premium reimbursement guide | Trade finance and ECGC cover | UP export subsidy schemes
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