Policy on Relief Measures to Borrowers
engaged in Exports

Policy on Relief Measures to Borrowers engaged in Exports

(Reserve Bank of India (Trade Relief Measures) Directions, 2025 dated November 14, 2025)

Given below is the outline of the framework for extending relief measures to borrowers engaged in export activities, in accordance with the Reserve Bank of India (Trade Relief Measures) Directions, 2025 dated November 14, 2025.

The objective is to mitigate debt servicing burden caused by global trade disruptions and ensure continuity of viable businesses.

In terms of the Reserve Bank of India (Trade Relief Measures) Directions, 2025 dated 14 November 2025 (“Directions”) for specified impacted sectors and effective with immediate effect, Grihum Housing Finance Limited (“Grihum”) shall extend trade relief to eligible borrowers in accordance with the said Directions.

The trade relief shall be applicable subject to fulfilment of the following conditions:

• The borrower is engaged in export activities pertaining to any of the sectors specified in the enclosed list (Appendix A).
• The borrower had an outstanding export credit facility with the Bank as on 31 August 2025.
• All credit facilities of the borrower with all Banks/Financial Institutions were classified as ‘Standard’ as on 31 August 2025.
• Where the borrower had outstanding export credit facilities with other Regulated Entities as on 31 August 2025, certificate to this effect shall be obtained from the respective Banks/Financial Institutions.

For reference to the RBI’s circular, you can click here - RBI Circular on Trade Relief Measures

Borrowers wanted to avail of this may call us at 1800-266-3204 or contact the nearest Grihum branch