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An Import Export Code (IEC) is a 10-digit code issued by the Directorate General of Foreign Trade (DGFT) in India. It is required for any person or entity engaged in the import or export of goods or services in India. The IEC is a unique identification number that is mandatory for all businesses that wish to participate in international trade.

The IEC is a one-time registration process and is valid for the lifetime of the business. It is required for all imports and exports of goods and services, except for goods imported or exported for personal use or gifts up to a certain value.

To obtain an IEC, an application must be made to the DGFT, along with supporting documents such as the business''s PAN card, proof of address, and bank details. Once the application is processed and approved, the IEC is issued and can be used for all import and export transactions.

It is important to note that the IEC is not the same as a trade license, and businesses must also obtain any other licenses or permits required for their specific industry or product.

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India has a large and diverse banking sector, with both public and private sector banks offering loans to individuals, businesses, and other organizations. In addition to banks, there are also several non-banking financial companies (NBFCs) and fintech companies that provide loans to customers.

Some of the major public sector banks that provide loans in India are State Bank of India (SBI), Punjab National Bank (PNB), Bank of Baroda, Canara Bank, and Bank of India. Private sector banks such as HDFC Bank, ICICI Bank, Axis Bank, Kotak Mahindra Bank, and Yes Bank also offer a wide range of loans.

NBFCs such as Bajaj Finserv, Tata Capital, Mahindra Finance, and Shriram City Union Finance are also popular loan providers in India. These companies offer a variety of loans such as personal loans, business loans, home loans, and vehicle loans.

Fintech companies such as Paytm, MobiKwik, and PhonePe have also entered the loan market in recent years, offering small-ticket loans and consumer loans through their digital platforms.

Overall, there are many options available for individuals and businesses looking for loans in India, and it is important to compare the interest rates, fees, and terms and conditions of different lenders before making a decision.