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Trade Finance

Letter of Credit

Secure international and domestic trade transactions with bank-backed payment assurance.

Overview

What Is Letter of Credit?

A Letter of Credit (LC) is frequently used in international transactions to assure that payment will be received. While similar to a Bank Guarantee, an LC differs in the bank's position relative to the buyer and seller in the event of default.

LCs are widely used in trade financing when suppliers or vendors deal with overseas customers without an established business relationship — the bank ensures the supplier is paid only once shipment is confirmed.

Key Features & Benefits

  • Assures suppliers of payment on confirmed shipment
  • Suited for import / export and domestic trade
  • Reduces counterparty risk for both buyer and seller
  • Structured as sight or usance LC as per requirement
  • Backed by the issuing bank's creditworthiness

Eligibility Criteria

  • Registered importer / exporter or trading business
  • Valid trade contract or purchase order
  • Satisfactory banking relationship and credit standing
  • Margin money as stipulated by the issuing bank

End Use Of Funds

  • Import of raw material or machinery
  • Export trade payment assurance
  • Domestic large-value supply contracts
  • Building trust with new overseas suppliers
Rates, tenures and eligibility shown on this page are indicative market ranges and are subject to the sanctioning bank / NBFC's credit policy. They are not an offer or a commitment.
Quick Facts
Use CaseImport / Export / Domestic Trade
LC TypesSight / Usance
Processing Time7 – 15 Business Days
MarginCase-to-case basis
ValidityAs per trade contract
BeneficiarySupplier / Exporter
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Figures shown are indicative and vary by lender, rating and case profile. Your sanctioned terms are confirmed only in the lender's sanction letter.

How It Works

From Enquiry To Disbursement In 4 Steps

01

Share Your Requirement

Tell us your funding need — amount, purpose and business profile — via form, call or WhatsApp.

02

Document Assessment

Our advisory team reviews your documents and matches you with the right lender / product.

03

Sanction & Approval

We coordinate with banks and NBFCs for evaluation, valuation and credit sanction.

04

Disbursement

Funds are disbursed directly to your business bank account after final agreement.

FAQs

Letter of Credit — Frequently Asked Questions

An LC is a primary payment mechanism used mainly in trade transactions, while a Bank Guarantee is a secondary assurance that pays out only if the applicant defaults.

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