External Commercial Borrowing Consultation

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External commercial borrowing (ECBs) are loans in India made by non-resident lenders in foreign currency to Indian borrowers. They are used widely in India to facilitate access to foreign money by Indian corporations and PSUs (public sector undertakings).

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Know more about it...

What does External Commercial Borrowing (ECB) denote?
ECBs are commercial loans raised by eligible resident entities from recognised non-resident entities conforming to parameters such as minimum maturity, permitted and non-permitted end-uses, maximum all-in-cost ceiling, etc.
What is not permissible in ECB?
Any entity raising INR denominated ECB is not permitted to convert the liability arising out of INR ECB into foreign currency liability in any manner or assuming foreign currency risk is any manner by either entering into a derivative contract or otherwise.
What is average maturity period in ECB?
ECB should have minimum average maturity period of 5 years.
Can ECB be used for working capital?
ECB proceeds cannot be utilised for working capital purposes, general corporate purposes and repayment of Rupee loans except when the ECB is availed from foreign equity holder for a minimum average maturity period of 5 years.
Can ECB be refinanced by RTL?
Yes, However, the new ECB lenders should also be foreign equity holders as defined in the ECB framework and subject to applicable refinancing guidelines.
Can ECB be used for purchase of land?
Earlier, the ECB Regulations specified that ECB could not be availed for investment in real estate or purchase of land.
What are the various types of ECB?
ECB includes Loans, Securitized instruments, Buyers’ and supplier’s credit, Foreign Currency Convertible Bonds (FCCBs). Financial Lease and Foreign Currency Exchangeable Bonds (FCEBs).
What are the end-utilize solutions for ECB raised under track I?

1) Investment in real estate or purchase of land

2) Investment in capital market

3) Investment in capital market

Who are the eligible borrowers under ECB framework?
All entities except a Limited Liability Partnership are allowed to obtain ECB as per the prescribed guidelines.