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    <description>Consolidated RBI framework governs resident access to overseas funding via External Commercial Borrowings and Trade Credits under two routes - Automatic and Approval - defining eligible borrowers, recognised lenders, ceilings on amounts and minimum average maturities, all in cost limits, permitted and prohibited end uses, security and guarantee rules, parking of proceeds, prepayment/refinance criteria, reporting (Form 83, ECB 2) and delegated powers to Authorised Dealer Category I banks, with compliance obligations and FEMA enforcement measures.</description>
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