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Key Takeaways
EXIM Bank's managing director, Harsha Bangari, told PTI that currency fluctuations had a positive impact of up to 5% on the FY26 loan growth number.
The true underlying growth was closer to 7%, and that's the FY27 constant-currency target of 10% that is called the good steps in real terms.
The bank has strong and healthy roots, and Bangari expressed confidence that disbursements will be completed during the current year.
The EXIM Bank’s 10-year bond, priced in January, closed at 70 basis points from 86 basis points within three months, providing the bank greater comfort to raise funds abroad.
The geographical distribution of exposure for EXIM Bank in the Middle East and North Africa region is approximately ₹5,700 crore of the total exposure of ₹3.5 trillion.
There has been no effect from the region on repayments so far. However, an impact assessment of the war on EXIM Bank’s loan book is being carried out currently.
Continued fighting in the West Asia region will affect the pace of project funding and squeeze margins for exporters in the short run.
Geographical diversification provides greater strength for the EXIM Bank’s loan portfolio in the long run.
This table helps you to understand the EXIM Bank's key operational and financial targets across FY26 and FY27.
Here are the targets:
The bank's intention of increasing ₹99,500 crore in FY27, which is a 15.7% of raised if we compare with FY26 borrowings and that’s indicates an increasing requirement for Indian export finance.
₹86,000 crore
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The decreasing bond spread also indicates greater confidence of global investors in the creditworthiness of EXIM Bank.
It must be mentioned that EXIM Bank India is not only a financial institution that provides loans to Indian exporters.
EXIM Bank are the strategic business partner that extends credits and supports project exports to over 100 countries.
The prolonged crisis in West Asia would create the threat of reducing the profit margins for exporters because of possible disruptions in the supply chains.
Some of them may start to concentrate on the domestic market in order to achieve additional revenue sources.
This change, when it comes into effect, will temporarily affect the demand for export finance.
EXIM Bank India has recently launched a new office in Sao Paulo, Brazil, where Indian exporters see increasing opportunities for trade in Latin America.
This decision shows institutional willingness to support those exporters who look for new opportunities to expand their export markets outside the Gulf.
As of March 31, 2026, India's total banking credit grew by 17.1% year-on-year, while non-food credit grew by 14.3% year-on-year in February 2026.
But with the onset of the West Asia crisis, the sentiment of the bankers has cooled down, where the net response for sector-wise loan demands fell from 50% in Q4 FY26 to 28.6% in Q1 FY27 based on the Department of Economic Affairs April 2026 Review.
EXIM Bank's constant-currency target of 10% seems a realistic goal in a year when sentiments have been moderated with such an outlook.
Bangari's report regarding the pipeline gives us confidence that perhaps the cautious target does not fully reflect the true potential demand for loans from Indian exporters to Africa, Asia, and Latin America.
When you consider the fact that this is a tough year, regular growth with a solid pipeline is far better than an ambitious plan that is bound to fail eventually.
EXIM Bank's plan to achieve 10% growth in FY27 is not a defeat but a realistic approach towards a tough year ahead. With a strong pipeline and borrowing plans worth Rs 99,500 crore, EXIM Bank is ready to grow with India's aspirations.
Why is the role of EXIM Bank significant in India?
The Export-Import Bank of India (EXIM Bank) is the leading financial organisation that has been assigned the responsibility for the promotion of foreign trade of India.
What does the Export-Import Bank of India do?
Export-Import Bank of India (EXIM Bank) is a specialised government-owned financial organisation. The main motive behind its establishment is the financing of the foreign trade activities of India and its globalisation.
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