UP ECGC Premium Reimbursement (GO 830): 30 Percent Back, Rs 5 Lakh Cap

Verified as on 4 October 2026 against Government Order No. 830/18-4-2025 dated 6 November 2025 and its annexures. Written by Pratham Agarwal, Founder, Rasp International.

UP ECGC premium reimbursement: the short answer

Under Government Order No. 830/18-4-2025 dated 6 November 2025, the Export Credit Insurance Support Scheme, a Micro, Small or Medium Enterprise (MSME) exporter of Uttar Pradesh can get back up to 30 percent of the premium it actually paid to ECGC, with a cap of Rs 5 lakh per unit per year. You claim quarter by quarter, within 90 days of the last date of the quarter in which you paid the premium. The claim goes straight to the Export Promotion Bureau portal, not through the district. Payment is subject to approval and budget.

The rule that decides everything: each quarter’s premium has its own 90 day window, and the ECGC branch manager’s certificate for that quarter must be in hand before you file.

Key facts table: UP ECGC premium reimbursement

What GO 830 is for

GO 830 is a new scheme. It opens by explaining why. The state wants to grow exports, reduce the risks attached to export transactions, encourage exporters to look for new markets and buyers, link them to overseas buyers with a suitable credit rating and protect them against risks such as payment default.

The tool it chose is ECGC cover. Paragraph 2 describes ECGC (Export Credit Guarantee Corporation of India) as a government agency under the Ministry of Commerce and Industry. The UP Export Promotion Policy 2025-30 provides for partial reimbursement of the annual premium that UP exporters pay to ECGC. The aim is twofold: to give some money back to exporters who already insure, and to persuade those who do not to start.

For a small exporter selling on credit to a new buyer abroad, that is a real change in cost. If ECGC cover costs a few lakh a year, getting back 30 percent of it makes insuring the receivable much easier to justify. Our page on trade finance and ECGC cover explains how the policies themselves work.

GO 830 also sits in a different place from the other UP orders. Most of them pay for a cost you incur to find or reach a buyer: a fair stall, a sample, a container or an air shipment. GO 830 pays for a cost you incur to protect the money the buyer owes you. That makes it most useful at exactly the moment a small exporter takes a risk, when it first agrees to sell on credit to a buyer it has not dealt with before. The order’s own opening paragraph names that purpose.

What GO 830 is not

It is not an insurance payout. If your buyer defaults, the claim for the loss goes to ECGC under your policy. GO 830 only refunds part of the premium you paid to buy that cover. It is also not linked to your export value or the sum insured. The base is the premium actually paid.

Who can claim the ECGC premium reimbursement

Paragraph 3(a) of GO 830 lists five eligibility conditions:

1. All MSME exporter units of Uttar Pradesh, as defined from time to time under the Micro, Small and Medium Enterprises Development Act 2006, are eligible.
2. Exporters in both the merchant and manufacturing categories are eligible.
3. The exporter unit must actually have paid the ECGC premium.
4. The export transaction concerned must be real and lawful.
5. At the time of the work, the exporter unit must be a registered member of the Export Promotion Bureau, Uttar Pradesh and the Uttar Pradesh Export Promotion Council.

Registration is proved through documents rather than a form field. The GO 830 application form has no Bureau or UPEPC number line, but the documents list asks for a copy of the Bureau and Council registration and the affidavit asks for the EPB registration number. Our guide to Export Promotion Bureau and UPEPC registration covers the clause in every UP order.

Who cannot claim

• A unit that is not an MSME under the 2006 Act.
• A unit not registered with both the Bureau and UPEPC at the time of the work.
• A premium that was quoted or accepted but not actually paid.
• Insurance bought from a private insurer. The order is about premium paid to ECGC.
• A unit that has taken a full or partial benefit of the same nature from any other central or state scheme for the same purpose. Paragraph 7 bars it.
• A quarter whose 90 day window has closed.

How much you get: 30 percent with a Rs 5 lakh cap

Paragraph 3(b) says the exporter unit will get reimbursement of up to 30 percent of the amount paid to ECGC as annual premium, with a maximum of Rs 5 lakh per exporter unit per year.

Two words matter. “Up to” means 30 percent is the ceiling, not a promised figure. “Annual premium” ties the money to what you pay for the year’s cover, even though you claim it quarter by quarter. The Rs 5 lakh cap applies to the unit, not to each policy. Two or three ECGC policies in the same year still share one cap.

Rate and cap table

Worked examples in rupees

These are illustrations of the GO 830 rule, not client figures and not a promise of payment.

Worked example table

Worked example across four quarters

A Moradabad brassware exporter pays ECGC premium of Rs 4,00,000 in April to June, Rs 2,00,000 in July to September, nothing in October to December and Rs 1,00,000 in January to March. The quarterly claims at 30 percent would be Rs 1,20,000, Rs 60,000, nil and Rs 30,000, a total of Rs 2,10,000. That is inside the Rs 5 lakh cap, so the cap does not bite. Each quarter is filed separately within its own 90 days. This is an illustration, not a client.

The quarterly 90 day claim window

Paragraph 4 sets the claim rule in two sentences. The exporter unit can file a separate claim for each quarter. For the total premium of all insurance policies paid by the unit in that quarter, the claim can be filed online within a maximum of 90 days from the last date of the quarter.

So the clock starts at the end of the quarter, not on the day you paid. A premium paid on 2 July and one paid on 28 September fall in the same quarter and share the same deadline.

Quarter deadline table

This table assumes financial year quarters and counts the day after the quarter end as day 1. The order does not define the quarter or the counting method, so treat day 90 as the outer limit and file earlier. The application form asks you to name the quarter as I, II, III or IV, which fits financial year quarters, but this is under Not yet confirmed.

How a GO 830 claim moves after you file

GO 830 uses the Bureau route. Unlike the freight orders, there is no district examination step. These are the steps as paragraph 4 sets them out.

1. Online filing. You file one claim for the quarter within 90 days of its last date.
2. 15 days to correct yourself. For 15 days from the application date you can correct mistakes in the form yourself.
3. Bureau portal. After those 15 days the claim appears on the portal of the Export Promotion Bureau, Lucknow.
4. Bureau check, 30 days. Within 30 days of it appearing, the Bureau examines the claim. Complete claims go on the committee agenda. Incomplete claims are reverted to you with the gaps recorded online.
5. 15 days to fix gaps. You must upload the relevant records within 15 days. If you do not, the claim is treated as rejected automatically.
6. Re-examination, 30 days. Once you upload the records, the Bureau examines the claim again within 30 days and puts it on the agenda with a clear recommendation.
7. Committee and payment. The Authorised Committee decides claims first come, first served. Payment goes by Direct Benefit Transfer within the year’s budget.

Claim clock table

Who decides your claim: the Authorised Committee

Paragraph 5 gives the committee the power to set the online process, decide the records to be uploaded, change them and accept claims. It has five members.

An ECGC representative sits on the committee. Premium figures that do not match ECGC’s own records will be noticed.

Documents GO 830 asks for

The documents list at the end of the annexures is short. It names five items:

1. Copy of Udyam registration
2. Copy of the Export Promotion Bureau, Uttar Pradesh and Uttar Pradesh Export Promotion Council registration
3. Declaration by the exporter
4. Certificate from the ECGC branch in charge
5. Claim form

The application form

The GO 830 application form has 16 items:

Items 6, 7 and 11 ask for three years of history. Have your turnover, FOB export value and ECGC premium for the last three financial years ready before you open the form.

The ECGC branch manager certificate

This is a certificate by the ECGC branch manager on the branch’s letterhead. It certifies that the named proprietor, partner or director of the firm, with its address and IEC number, paid a stated premium to ECGC in a stated quarter (first, second, third or fourth, with the from and to dates) of a stated financial year. A table lists each policy by policy name, policy number and premium in rupees. It is dated, signed and sealed by the branch manager.

The certificate is about premium paid in the quarter. It does not certify anything about losses or ECGC claims. Ask your branch for it as soon as the quarter ends, because without it the claim is incomplete.

Affidavit on Rs 10 stamp paper

The affidavit records your name, the firm, address, Udyam registration certificate number, IEC code, EPB registration number and date. It then states:

1. How many times the unit has submitted this claim in the financial year, and for which quarter.
2. The unit’s category under the MSME Act 2006 and the notification dated 21 March 2025.
3. Whether the unit is a merchant or manufacturer.
4. That the firm has received no financial grant or benefit from any state or central government scheme against this claim.
5. That all information is true and nothing has been hidden, and that strict action can follow if it is false.

Document checklist table

Where GO 830 claims go wrong

Payment priority and the budget

Paragraph 8 gives priority at payment time to units that took part in national or international fairs and events organised by the state, the Export Promotion Bureau or UPEPC. Paragraph 6 makes payment first come, first served within the year’s budget, and leaves it to the committee to decide whether leftover claims move to the next financial year. Because you claim four times a year, an early filer in each quarter stands ahead of a late one.

The budget point cuts both ways. A claim filed in the first weeks of a quarter’s window joins the queue early in the financial year’s spending. A claim filed on day 89 of the January to March quarter may meet a budget that is already used up, and then depends on the committee deciding to carry it into the next year. Filing early is the one lever the exporter controls.

Is ECGC cover worth it with this reimbursement

That is a business decision, but GO 830 changes the arithmetic. Suppose a policy costs Rs 1,50,000 a year. After a 30 percent reimbursement your net cost is Rs 1,05,000. If that cover lets you offer 60 or 90 day credit to a new buyer you would otherwise refuse, or lets your bank finance the receivable more easily, the reduced cost is easier to recover from one order.

The reimbursement only works if you file every quarter. A unit that pays premium in all four quarters but files only once a year will lose the quarters whose 90 days have passed. Put the four quarter end dates and the four day 90 dates in your calendar on the day you buy the policy.

A preparation plan for GO 830 claims

When you buy or renew the policy

• Confirm MSME status, Udyam registration and both Bureau and UPEPC registrations.
• Keep the premium receipts by date, so each one falls into the right quarter.
• Note the ECGC branch name, address and email, which the form asks for.

After each quarter ends

• Ask the ECGC branch manager for the quarter certificate on letterhead.
• Sign the Rs 10 affidavit for that quarter.
• File within the first 30 to 45 days and use the 15 day window to check figures.

Once a year

• Update the three year turnover, FOB and premium history for items 6, 7 and 11.
• Track the running total of claims against the Rs 5 lakh cap.

GO 828, GO 829 and GO 830 side by side

Many UP exporters use more than one of these orders in the same year. They look alike, but the base, the cap, the clock and the route are all different.

If a buyer pays on credit, a single sea order can touch two of these at once: GO 828 for the container to the port and GO 830 for the ECGC premium on the receivable. They are different costs, so one does not bar the other. The same freight bill can never go into both GO 828 and GO 829.

Which ECGC premium you can count

GO 830 speaks of premium paid by the exporter unit to ECGC as annual premium, across all insurance policies taken in the quarter. It does not list ECGC products by name. In practice exporters pay ECGC premium in a few common ways, and it helps to know which fit the wording cleanly.

The test that matters is the branch manager certificate. If your ECGC branch can certify that your unit paid a stated premium in the quarter under named policies, the premium fits the order. If the premium was paid by someone else, such as your bank, ask the Bureau before you claim.

Handling the quarter edges

Because each quarter is claimed on its own, a few practical points come up every year.

• Annual premium paid in one go. If you pay the whole year’s premium in April, it all falls in the April to June quarter and is claimed within 90 days of 30 June. You cannot spread it across four quarters.
• Premium paid in instalments. Each instalment falls in the quarter in which it was paid. Claim each quarter’s total in that quarter’s window.
• Premium paid on the last day of a quarter. It belongs to that quarter, so its 90 days start the next day. Make sure the receipt date and the branch certificate show the same quarter.
• A quarter with no premium. There is nothing to claim. You do not need to file a nil claim under the order.
• Reaching the cap. Once your claims for the year add up to Rs 5 lakh, later quarters in the same year add nothing.

How GO 830 helps when you sell on credit

The order’s own purpose is to protect exporters against risks such as payment default and to help them deal with overseas buyers of suitable credit standing. In day to day terms, ECGC cover lets an MSME accept open account or 60 to 90 day credit terms from a new buyer with less fear of a total loss. Banks also look more kindly on insured receivables.

The cost of that cover is the main reason small exporters skip it. GO 830 cuts that cost by up to 30 percent, within the Rs 5 lakh cap. For a unit entering a new market, the order is best read alongside the marketing support in GO 811 and the freight support in GO 828 and GO 829. Together they lower the cost of finding a buyer, shipping to them and insuring the payment. Our UP export subsidy schemes hub sets out all of them.

A worked year for a growing exporter

A Kanpur leather goods unit decides to insure its first open account buyer in Germany. It buys an ECGC policy in May 2026 and pays Rs 90,000 premium. In September it adds a second buyer and pays Rs 60,000 more. In January 2027 it renews cover for a third buyer at Rs 1,20,000.

The year’s total of Rs 81,000 is far below the Rs 5 lakh cap. The unit’s real risk is not the cap but a missed quarter. This is an illustration, not a client, and it assumes financial year quarters.

Getting the ECGC branch certificate on time

The branch manager’s certificate is the one document under GO 830 that you cannot produce yourself. It comes from the ECGC branch that issued your policies, on its letterhead, signed and sealed. A late certificate is the most common reason a quarter’s claim slips past day 90.

When you write to your branch after a quarter ends, give it everything the certificate format needs, so it can be issued in one go:

• The name of the proprietor, partner or director who will be named in the certificate
• The firm’s name, full address and IEC number
• The financial year and the quarter, with its from and to dates
• Each policy’s name and number, and the premium paid under it in that quarter
• The total premium for the quarter in rupees
• A note that the certificate is needed for the Uttar Pradesh Export Credit Insurance Support Scheme under GO 830

Attach copies of the premium receipts for the quarter. Ask for the certificate within the first two or three weeks after the quarter ends. That leaves time to correct a wrong date or amount and still file early in the 90 days.

Keep the certificate’s figures and your claim form’s item 15, the actual premium paid in the quarter, exactly equal. Because an ECGC representative sits on the Authorised Committee, a mismatch between the two is likely to be spotted.

Common mix ups between GO 830 and an ECGC claim

Exporters sometimes confuse the two because both involve ECGC. They are separate in every way that matters.

Not yet confirmed

These points are not settled by the text of GO 830. We are asking the Export Promotion Bureau and will update this page when we have a written answer.

• Whether “quarter” means the financial year quarter, as assumed in the table above.
• Whether the Rs 5 lakh cap runs on the financial year or on the policy year.
• Whether GST on the ECGC premium is part of the 30 percent base.
• Whether premium paid before 6 November 2025 can be claimed.
• The web address of the claim portal, which the order does not print.
• What “up to 30 percent” means in practice when the budget is short.

Frequently asked questions

How much ECGC premium can I get back in Uttar Pradesh?

Up to 30 percent of the premium you actually paid to ECGC, with a maximum of Rs 5 lakh per exporter unit per year. This is under Government Order No. 830/18-4-2025.

Is the Rs 5 lakh cap per policy or per exporter?

Per exporter unit per year. All your ECGC policies share one cap.

How often can I claim the ECGC premium reimbursement?

Once for each quarter. Paragraph 4 allows a separate claim per quarter for the total premium of all policies paid in that quarter.

What is the deadline for a GO 830 claim?

Within 90 days of the last date of the quarter in which the premium was paid. For July to September 2026, assuming financial year quarters, that is 29 December 2026.

Does the GO 830 claim go to the district office?

No. After the 15 day self correction period the claim appears directly on the Export Promotion Bureau portal, and the Bureau examines it within 30 days.

What does the ECGC branch manager certificate contain?

The firm’s name, address and IEC, the financial year and quarter, the total premium paid to ECGC in that quarter and a table of policy names, numbers and premium. It is signed and sealed on the branch letterhead.

Which documents are needed for the ECGC premium claim?

Five: a copy of the Udyam registration, a copy of the Bureau and UPEPC registration, the exporter’s declaration, the ECGC branch certificate and the claim form.

Is a CA certificate needed for GO 830?

The GO 830 documents list does not include a CA certificate. The premium is proved by the ECGC branch manager’s certificate.

Can merchant exporters claim the ECGC reimbursement?

Yes. Paragraph 3(a) makes both merchant and manufacturing exporters eligible, as long as they are MSME units of Uttar Pradesh with Bureau and UPEPC registration.

Do I need Export Promotion Bureau and UPEPC registration?

Yes. At the time of the work the unit must be a registered member of both. A copy of both registrations is a listed document and the affidavit asks for the EPB registration number.

Does GO 830 pay my loss if the buyer defaults?

No. A loss is claimed from ECGC under your policy. GO 830 only refunds part of the premium you paid for the cover.

Can I get the reimbursement on premium paid to a private insurer?

The order is written around premium paid to ECGC and a certificate from an ECGC branch. Premium paid to another insurer does not fit that.

What happens if the Bureau finds my claim incomplete?

The gaps are recorded online and the claim is reverted. You have 15 days to upload the records, or the claim is treated as rejected. The Bureau examines a completed claim again within 30 days.

Why does the form ask for three years of turnover?

Items 6, 7 and 11 ask for annual turnover, FOB export value and ECGC premium for the previous three financial years. The order does not say how the committee uses them, but they must be filled in.

When will the reimbursement reach my account?

GO 830 does not give a date. Approved claims are paid first come, first served by Direct Benefit Transfer within the year’s budget, with priority for units that joined Bureau or Council fairs.

How Rasp International helps with GO 830 claims

Rasp International is an ISO 9001:2015 certified EXIM and DGFT consultancy based in Agra, with a family legacy in international trade since 2005 and more than 500 exporters served. For GO 830 we check eligibility, set up a quarter by quarter calendar, request the ECGC branch certificate on time, prepare the claim form and affidavit and file each quarter early in its 90 day window.

The order leaves approval and payment to the Authorised Committee, so we do not promise either. We make sure no quarter is missed.

Paid ECGC premium this year? Message Rasp International on WhatsApp and we will check which quarters you can still claim.

Sources

• Government Order No. 830/18-4-2025 dated 6 November 2025, Export Credit Insurance Support Scheme, paragraphs 1 to 12, application form, Rs 10 affidavit format, ECGC branch manager certificate format and claim documents list.
• Government Order No. 684/18-4-2025/18-4099/31/2025 dated 3 September 2025, UP Export Promotion Policy 2025-30.
• The orders are in Hindi. Official copies: upepc.org.

This is general guidance. Rules change. Verify against the current order or the current portal screen before you file or pay.

Related: UP export subsidy schemes 2025-30 | Trade finance and ECGC cover | Export Promotion Bureau and UPEPC registration | UP gateway port freight subsidy