Sindh Bank Trade Services
Export loan facilities, foreign bills financing, and the SBP/EXIM Bank refinance schemes Sindh Bank offers exporters — plus how to verify a proceeds realization certificate.
- Pre & Post-Shipment Finance
- SBP Export Refinance
- e-PRC Verification
Sindh Bank's Trade Services desk focuses on export financing — helping exporters access working capital against confirmed orders, Letters of Credit, or already-shipped goods, rather than waiting on buyer payment to fund the next production cycle. The offering combines the bank's own PKR-based facilities with access to government refinance schemes run through the State Bank of Pakistan and the EXIM Bank of Pakistan.
- Core Focus
- Export Financing
- Max FAPC Tenor
- 180 Days
- SBP Scheme
- Export Finance Scheme (EFS)
- Verification
- e-PRC Online Portal
Export Financing Facilities
Foreign Bills Purchase (FBP) / Negotiation
The bank buys a foreign export bill drawn under an LC, provided documents strictly comply with the LC's terms, advancing funds to the exporter and taking on the risk of collecting from the foreign buyer.
Foreign Bills Discounting (FBD)
For Usance LC export bills — the exporter gets instant funds ahead of the LC's maturity date, with the bank taking on the collection risk from the foreign buyer at maturity.
Finance Against Packing Credit (FAPC)
Pre-shipment finance disbursed in PKR against a lien on a valid firm export order or an advised LC. Maximum tenor: 180 days, or case-to-case as applicable.
Finance Against Foreign Bills (FAFB)
Post-shipment finance disbursed in PKR against foreign export bills under an LC or contract.
FE 25 Export Loans
Banks may use FE 25 foreign-currency deposits to fund import/export financing, backed by an LC or firm contract, adjusted against export proceeds.
Rupee-Based Discounting
An SBP incentive under the existing EFS/IERS scheme: discounting export bills in rupees, available when the associated foreign exchange is sold in the interbank market via FX conversion.
SBP Export Finance Scheme (EFS)
Running since 1973, the Export Finance Scheme provides short-term financing to exporters of manufactured goods — particularly value-added products — through participating banks, excluding basic and primary commodities/raw materials. It has two parts:
| Part | Basis | Tenor |
|---|---|---|
| Part I | Transaction-based — disbursed against an Export Order, Contract, or LC | Up to 180 days |
| Part II | Performance-based — the exporter shows export proceeds equivalent to the loan amount as performance | Up to 180 days |
EXIM Bank Refinance Scheme
The Export-Import Bank of Pakistan — a wholly government-owned statutory corporation established under the EXIM Bank of Pakistan Act, 2022 — also grants export finance to Sindh Bank customers who meet SBP's EFS eligibility criteria, again split into Part I (pre-and post-shipment) and Part II (performance-based).
e-PRC Verification
Sindh Bank runs a dedicated online e-PRC (Proceeds Realization Certificate) Verification portal, separate from its main site, for confirming that export proceeds have been properly realized — a step exporters and their counterparties may need for compliance or documentation purposes without a branch visit.
More on Sindh Bank
KIBOR Rates
What KIBOR is and which loans it affects.
Forex Rates
USD/PKR and other exchange rates.
Bank Overview
History, leadership, ownership, and key facts.
SME Financing
Working capital, trade finance, and SEDF.
Home Remittance
For overseas Pakistanis.
IBAN & SWIFT Code
Generate your IBAN, find the SWIFT code.
Islamic Banking (Sa'adat)
Shariah-compliant products and branches.
Helpline & Complaints
Contact numbers and escalation path.
For independent verification, see State Bank of Pakistan, Sindh Bank Trade Services.
Frequently Asked Questions
What export financing does Sindh Bank offer?
Sindh Bank offers Foreign Bills Purchase/Negotiation (FBP), Foreign Bills Discounting (FBD), Finance Against Packing Credit (FAPC) for pre-shipment needs, Finance Against Foreign Bills (FAFB) for post-shipment needs, plus access to the SBP Export Refinance Scheme (EFS), EXIM Bank of Pakistan refinance, and FE 25 Export Loans.
What is the maximum tenor for Sindh Bank's Finance Against Packing Credit (FAPC)?
Up to 180 days, or as applicable on a case-to-case basis. FAPC is pre-shipment finance disbursed in PKR against a lien on a firm export order or a duly advised Letter of Credit.
How do I verify a proceeds realization certificate (e-PRC) with Sindh Bank?
Through Sindh Bank's dedicated e-PRC Verification portal, a separate online system linked from the Trade Services page rather than a branch-based process.
Compare Sindh Bank With
Export trade finance is a specialty area — here's how Sindh Bank compares to other Pakistani banks active in this space.
Last Verified: August 21, 2026