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Revised external commercial borrowing (ECB) framework

Companies and LLPs borrowing from overseas lenders.

FEMA

What changed

An eligible borrower can raise ECB up to the higher of USD 1 billion or 300% of its net worth. The all-in-cost ceiling has been removed. The minimum average maturity is 3 years, or 1 to 3 years for manufacturing companies borrowing up to USD 150 million. Form ECB 1 is filed through the AD bank before the first drawdown, and Form ECB 2 within 7 days of each month end.

Who is affected

Companies and LLPs borrowing from overseas lenders.

Source

RBI, Notification FEMA 3(R)(5)/2026-RB dated 9 February 2026. The notification text is on the RBI website.

Effective: 16 Feb 2026 · Note published · Last reviewed 26 September 2026

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