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Credit Guarantee Scheme for Exporters

Credit Guarantee Scheme for Exporters

Quantum of supportUp to 20% of sanctioned working-capital limits (fund-based plus non-fund-based), capped at ₹50 crore per borrower.Interest rate1% below the rate applicable to existing working-capital facilities on 19 November 2025, capped at 10% p.a.Customer typeEligible micro, small and medium enterprises
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Quick eligibility check

Credit Guarantee Scheme for Exporters

0 of 5 answered

Answer what you know. This guide compares your answers with the criteria published for this product; it is not an approval decision. Your answers stay on this device.

1Does your annual turnover meet this requirement: For the Non-MSME variant, the borrower must be an existing standard account (excluding SMA-2) as at 30 September 2025, not an NPA with any bank/lender at sanction or disbursement, have an active working-capital limit and, as a direct exporter, at least 20% export turnover?

Published source: Non-MSME eligibility conditions

2Do you meet this requirement: Borrowers must apply through the JanSamarth Portal under the exporter-credit-guarantee scheme?

Published source: Application / documents

3Does your annual turnover meet this requirement: eligibility evidence includes an active working-capital limit and the published account-status/export-turnover conditions for the Non-MSME variant?

Published source: Application / documents

4Do you meet this requirement: Eligible micro, small and medium enterprises?

Published source: Customer type

5Document checkDo you have at least one of these required documents: Confirmed export order or letter of credit from a recognised bank?

Published source: Application / documents
0 of 5 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 31 Aug 2026 · active
Offered byBank of Baroda

India; eligibility, branch and channel availability follow the official product terms

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

Export liquidityAdditional working-capital term loan for eligible direct and indirect exporters, including MSME exporters, to meet short-term liquidity needs and explore new markets.View source
The official scheme page defines the additional working-capital purpose and exporter scope.
Source
Credit Guarantee Scheme for Exporters
Page / section
Overview / Features
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
Quantum of supportUp to 20% of sanctioned working-capital limits (fund-based plus non-fund-based), capped at ₹50 crore per borrower.View source
The official page publishes the 20% working-capital formula and ₹50 crore cap.
Source
Credit Guarantee Scheme for Exporters
Page / section
Benefits / Quantum of Support
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
Guarantee coverage100% NCGTC guarantee coverage with no guarantee fee payable; the scheme is collateral-free, with a second charge on cash flows and existing securities to be created.View source
The official page states 100% cover, nil guarantee fee and the second-charge security structure.
Source
Credit Guarantee Scheme for Exporters
Page / section
Features / Security
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
Tenure4 years including a 1-year moratorium.View source
The official feature section publishes the four-year tenor and one-year moratorium.
Source
Credit Guarantee Scheme for Exporters
Page / section
Features
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
Interest rate1% below the rate applicable to existing working-capital facilities on 19 November 2025, capped at 10% p.a.Effective 19 Nov 2025View source
The official feature section publishes the 1% discount, reference date and 10% cap.
Source
Credit Guarantee Scheme for Exporters
Page / section
Features
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
Processing feeNil processing fee and no additional collateral or personal/corporate guarantee.View source
The official page publishes nil processing fee and the guarantee/security exclusions.
Source
Credit Guarantee Scheme for Exporters
Page / section
Benefits / Features
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
Non-MSME eligibility conditionsFor the Non-MSME variant, the borrower must be an existing standard account (excluding SMA-2) as at 30 September 2025, not an NPA with any bank/lender at sanction or disbursement, have an active working-capital limit and, as a direct exporter, at least 20% export turnover.Effective 30 Sept 2025View source
The official Non- page publishes the account-status, working-capital and direct-exporter turnover conditions.
Source
Credit Guarantee Scheme for Exporters (CGSE) - Non
Page / section
Eligibility
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
Scheme validityAvailable until guarantees for ₹20,000 crore are issued or 31 March 2026, whichever is earlier.Effective 31 Mar 2026View source
The official page states the ₹20,000 crore guarantee corpus and 31 March 2026 end condition.
Source
Credit Guarantee Scheme for Exporters
Page / section
Validity
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
Collateral / securityThe scheme provides 100% NCGTC guarantee coverage, requires no additional collateral and no personal/corporate guarantee, and creates a second charge on cash flows and existing securities.View source
The official page states collateral-free 100% cover and the second-charge arrangement.
Source
Credit Guarantee Scheme for Exporters
Page / section
Features — Guarantee Coverage; Security
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Processing feeNil processing fee.View source
The official benefits and feature text states nil processing fee.
Source
Credit Guarantee Scheme for Exporters
Page / section
Benefits / Features
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Application / documentsBorrowers must apply through the JanSamarth Portal under the exporter-credit-guarantee scheme. The reviewed official page does not publish a separate itemised document checklist; eligibility evidence includes an active working-capital limit and the published account-status/export-turnover conditions for the Non-MSME variant.View source
The page directs borrowers to JanSamarth and does not enumerate supporting documents.
Source
Credit Guarantee Scheme for Exporters
Page / section
Eligibility Criteria; Application Process; Complete page reviewed
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Geographic limitsThe scheme is presented for eligible direct and indirect exporters in India; the reviewed official page publishes no narrower state, branch-territory or residence restriction.View source
The official scheme is an Indian exporter facility and publishes no narrower geographic exclusion.
Source
Credit Guarantee Scheme for Exporters
Page / section
Overview; Eligibility; Complete page reviewed
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Customer typeEligible micro, small and medium enterprisesView source
The manually reviewed product record states: “Eligible micro, small and medium enterprises”.
Source
Credit Guarantee Scheme for Exporters — official product page
Page / section
Published product metadata
Accessed
15 Aug 2026
Confidence
high
Open official source ↗
Turnover / vintageFor the Non-MSME variant, the borrower must be an existing standard account (excluding SMA-2) as at 30 September 2025, not an NPA with any bank/lender at sanction or disbursement, have an active working-capital limit and, as a direct exporter, at least 20% export turnover.View source
The manually reviewed product record states: “For the Non- variant, the borrower must be an existing standard account (excluding SMA-2) as at 30 September 2025, not an with any bank/lender at sanction or disbursement, have an active working-capital limit and, as a direct exporter, at least 20% export turnover.”.
Source
Credit Guarantee Scheme for Exporters — official product page
Page / section
Published product metadata
Accessed
15 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • Additional working-capital term loan for eligible direct and indirect exporters, including exporters, to meet short-term liquidity needs and explore new markets.

Eligibility

  • For the Non- variant, the borrower must be an existing standard account (excluding SMA-2) as at 30 September 2025, not an with any bank/lender at sanction or disbursement, have an active working-capital limit and, as a direct exporter, at least 20% export turnover.

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

  • Confirmed export order or letter of credit from a recognised bank

Related official documents

Credit Guarantee Scheme for Exporters — official product pageofficial-product-page · current · accessed 30 Aug 2026
↗

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Loan repayment estimate

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One monthly payment₹24,126twenty-four thousand one hundred twenty-six rupees
Interest paid over the full loan₹32,90,130thirty-two lakh ninety thousand one hundred thirty rupees
Everything you repay₹57,90,130fifty-seven lakh ninety thousand one hundred thirty rupees

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Purpose · Published detailAdditional working-capital term loan for eligible direct and indirect exporters, including exporters

This value is copied from Credit Guarantee Scheme for Exporters — complete published terms. Check the table notes before relying on it.

Source: Credit Guarantee Scheme for Exporters · Benefits; Features; Security; Eligibility; Quantum; Application Process; Validity Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 11 rows · 2 columnsCredit Guarantee Scheme for Exporters — complete published termsStructured capture of the official exporter guarantee page, including support, security, pricing, application and validity.View tableHide table

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Credit Guarantee Scheme for Exporters — complete published terms
TermPublished detail
PurposeAdditional working-capital term loan for eligible direct and indirect exporters, including exporters
QuantumUp to 20% of sanctioned fund-based plus non-fund-based working-capital limits, capped at ₹50 crore per borrower
Guarantee100% guarantee; no guarantee fee
Tenure4 years including 1-year moratorium
Interest1% below the rate applicable to existing working-capital facilities on 19 November 2025, capped at 10% p.a.
Processing feeNil
SecurityNo additional collateral or personal/corporate guarantee; second charge on cash flows and existing securities
EligibilityDirect/indirect exporters; Non- variant additionally requires standard account excluding SMA-2 as at 30 September 2025, no and active working-capital limit; direct exporters at least 20% export turnover
ApplicationJanSamarth Portal
ValidityUntil ₹20,000 crore guarantees are issued or 31 March 2026, whichever is earlier
Documents / geographyNo itemised document checklist or narrower geographic restriction published
  • means National Credit Guarantee Trustee Company; means Micro, Small and Medium Enterprise; SMA-2 means Special Mention Account category 2; means Non-Performing Asset.
Credit Guarantee Scheme for Exporters · Benefits; Features; Security; Eligibility; Quantum; Application Process; Validity · accessed 30 Aug 2026Open official source ↗

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