Emergency Credit Line Guarantee Scheme 5.0 (ECLGS)

1. Scheme Objective & Purpose

ECLGS 5.0 provides timely financial support by extending additional working capital to MSMEs, Non-MSMEs and the Airline sector. The scheme aims to strengthen liquidity, ensure business continuity, and help enterprises manage operational challenges arising from the West Asia conflict.

2. Primary Benefit

To provide a Working Capital Term Loan (WCTL) to eligible MSME and Non-MSME businesses, as well as the Airline sector, to stabilize operations and bridge liquidity gaps.

3. Industry Eligibility & Exclusions

Eligible Sectors: All business enterprises and industries are eligible, except those explicitly excluded.

• Excluded Sectors (Ineligible):
  • Non-Banking Financial Companies (NBFC)
  • Power & Telecom
  • Sugar & Ethanol
  • Information Technology (IT)
  • Paper & Paper Products
  • Educational Institutions
  • Beverages (excluding tea & coffee)
  • Tobacco

4. Loan Quantum & Funding Limits

The maximum loan amount is determined by the borrower's peak outstanding credit during Q4 of FY 2025–26 (specifically between 01.01.2026 and 31.03.2026, both days inclusive):

5. Loan Tenor & Moratorium Structure

• Airline Sector: Maximum tenor of 7 years, which includes a 2-year moratorium on principal repayment.
• All Other Eligible Sectors: Maximum tenor of 5 years, which includes a 1-year moratorium on principal repayment.

6. Credit Quality & Eligibility Cut-offs

• Account Classification: The borrower’s credit facilities must be strictly classified as ‘Standard’ as of 31.03.2026.
• SMA Exclusions: Accounts classified as Special Mention Account-2 (SMA-2) as of 31.03.2026 are not eligible.
• Scheme Exclusivity: Borrowers who have already availed of additional credit facilities under the Credit Guarantee Scheme for Exporters (CGSE) are explicitly excluded from this scheme.

7. Fee Structure

• Processing Fee: NIL.
• Prepayment Penalty: NIL.

8. Application Process & Validity

Scheme Validity: Open and valid up to March 31, 2027.

Application Channel: Eligible borrowers must submit their applications digitally through the official JanSamarth Portal at https://www.jansamarth.in

More details, you may visit NCGTC site at www.ncgtc.in

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