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Credit Guarantee Scheme for Exporters (CGSE) - Non

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 corporate and institutional customers
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Quick eligibility check

Credit Guarantee Scheme for Exporters (CGSE) - Non

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: Existing-borrower sanction and guarantee documentation must be confirmed with Bank of Baroda?

Published source: Documents

3Do you meet this requirement: Eligible corporate and institutional customers?

Published source: Customer type

4Document checkDo you have this required document or proof: Active working-capital limit evidence?

Published source: Documents

5Document checkDo you have this required document or proof: The reviewed CGSE Non-MSME page does not publish a named document checklist?

Published source: 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 / securityNo additional collateral or personal/corporate guarantee is required. The facility carries a second charge on existing securities.View source
The official page states no additional collateral or personal/corporate guarantee and a second charge on existing securities.
Source
Credit Guarantee Scheme for Exporters (CGSE) - Non
Page / section
Features — Security
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
DocumentsThe reviewed CGSE Non-MSME page does not publish a named document checklist. Existing-borrower sanction and guarantee documentation must be confirmed with Bank of Baroda.View source
The complete page contains benefits, features, eligibility and other conditions but no named document section.
Source
Credit Guarantee Scheme for Exporters (CGSE) - Non
Page / section
Complete page review
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Geographic limitsNo state, district or territorial restriction is published. Eligibility is defined by exporter status, existing Bank of Baroda working-capital exposure and the scheme’s credit conditions.View source
The page specifies borrower and export-turnover conditions but no geographic boundary.
Source
Credit Guarantee Scheme for Exporters (CGSE) - Non
Page / section
Complete page review
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Customer typeEligible corporate and institutional customersView source
The manually reviewed product record states: “Eligible corporate and institutional customers”.
Source
Credit Guarantee Scheme for Exporters (CGSE) - Non — 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 (CGSE) - Non — 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

  • Active working-capital limit evidence

Related official documents

Credit Guarantee Scheme for Exporters (CGSE) - Non MSME — official product pageofficial-product-page · current · accessed 30 Aug 2026
↗

Plan before applying

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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

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

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Purpose · Published detailAdditional working-capital term loan to eligible direct and indirect exporters

This value is copied from CGSE Non- — published terms. Check the table notes before relying on it.

Source: Credit Guarantee Scheme for Exporters (CGSE) - Non · Benefits / Features / Eligibility / Other Conditions Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 12 rows · 2 columnsCGSE Non-MSME — published termsPublished exporter eligibility, guarantee, quantum, tenure, rate, security, validity and exclusions.View tableHide table

Scroll sideways to view every column

CGSE Non-MSME — published terms
ParameterPublished detail
PurposeAdditional working-capital term loan to eligible direct and indirect exporters
EligibilityExisting borrower classified Standard (excluding SMA-2) on 30 September 2025; not with any lender; active working-capital limit
Direct-exporter conditionAt least 20% export turnover
QuantumUp to 20% of sanctioned working-capital limits (funded plus non-funded), capped at ₹50 crore per borrower
Guarantee100% guarantee; no guarantee fee
Tenure4 years including 1-year moratorium
Interest1% below the existing working-capital facility rate, within scheme ceiling
SecurityNo additional collateral or personal/corporate guarantee; second charge on existing securities
Processing feeNil
ValidityUntil guarantees for ₹20,000 crore or 31 March 2026, whichever is earlier
ExclusionsFacilities additionally covered by /Central Government/insurer or inconsistent with scheme, law or directions
DocumentsNamed checklist not published on the reviewed page
Credit Guarantee Scheme for Exporters (CGSE) - Non · Benefits / Features / Eligibility / Other Conditions · accessed 30 Aug 2026Open official source ↗

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