Business, & agriculture finance

Emergency Credit Line Guarantee Scheme 5.0 (ECLGS 5.0)

ECLGS 5.0 working-capital term loan for existing borrowers facing West Asia-conflict liquidity stress, with up to 20% of FY2025-26 peak fund-based working capital (₹100 crore cap) or up to 100% for airlines (₹1,500 crore cap).

Facility amountMSME/non-MSME borrowers: up to 20% of peak fund-based working-capital outstanding from 1 January to 31 March 2026, capped at ₹100 crore per borrower across all MLIs. Scheduled passenger airlines: up to 100% of peak total funded and non-funded credit in the same period, capped at ₹1,500 crore across MLIs; the amount above ₹1,000 crore and up to ₹1,500 crore requires equal promoter/owner equity.Interest rateMSMEs: EBLR + 0.75%, capped at 9% p.a.; non-MSMEs: 3-month MCLR + 0.75%, capped at 9% p.a. (airline pricing follows the lender's board-approved policy)Customer typeExisting MSME and non-MSME borrowers with Standard (not SMA-2) fund-based working-capital facilities on 31 March 2026; scheduled passenger airline borrowers have a separate band

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✓ Manually checked 4 Sept 2026 · active

Offered byState Bank of India

India; application through home branch or JanSamarth

Key facts

What the official sources publish

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

Customer typeExisting MSME and non-MSME borrowers with Standard (not SMA-2) fund-based working-capital facilities on 31 March 2026; scheduled passenger airline borrowers have a separate bandEffective 4 Jun 2026View source

All borrowers ( and non-) must have fund-based working-capital limits in Standard Category excluding SMA-2 as on 31.03.2026; borrower must not be at sanction/disbursement.

Source: ECLGS 5.0 — official product page
Page / section: Eligibility
Accessed: 4 Sept 2026
Confidence: high

Open official source ↗

Turnover ruleFor a non-MSME borrower operating in both eligible and excluded sectors, the lender assesses the proportionate turnover from eligible sectors for the financial year ended 31 March 2026. This is a sector-mix eligibility test, not a published minimum annual-turnover amount.Effective 22 May 2026View source

The says that a mixed-sector non- eligibility is assessed using the proportionate turnover in eligible sectors for ending 31 March 2026. It does not set a universal minimum turnover amount.

Source: ECLGS 5.0 — official
Page / section: p.2 — Q10, mixed-sector borrowers
Accessed: 27 Sept 2026
Confidence: high

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The scheme sets separate peak-credit formulas and per-borrower ceilings for non-airline and scheduled airline borrowers. Its clarifies that the caps apply across all MLIs.

Source: ECLGS 5.0 — Operational Guidelines
Page / section: p.3 — §6(a) Quantum of Support; §6(b) Maximum Loan Amount
Accessed: 27 Sept 2026
Confidence: high

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Interest rateMSMEs: EBLR + 0.75%, capped at 9% p.a.; non-MSMEs: 3-month MCLR + 0.75%, capped at 9% p.a. (airline pricing follows the lender's board-approved policy)Effective 4 Jun 2026View source

are priced at +0.75% with a maximum 9% p.a.; non- at 3M +0.75% with a maximum 9% p.a.

Source: ECLGS 5.0 — official product page
Page / section: Rate of Interest
Accessed: 4 Sept 2026
Confidence: high

Open official source ↗

Facility typeAdditional Working Capital Term Loan (AWCTL), maintained as a separate loan account.Effective 8 May 2026View source

The guideline describes additional working-capital term-loan support and requires it to be maintained in a separate account; airline support can also include a non-fund-based facility under the scheme.

Source: ECLGS 5.0 — Operational Guidelines
Page / section: pp.1–2 — Definitions; credit facility
Accessed: 27 Sept 2026
Confidence: high

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Tenure and moratoriumMSME/non-MSME borrowers: 5 years from first disbursement, including a 1-year moratorium. Scheduled passenger airlines: 7 years, including a 2-year moratorium.Effective 8 May 2026View source

The scheme counts each moratorium inside the total repayment tenor, measured from the first disbursement.

Source: ECLGS 5.0 — Operational Guidelines
Page / section: p.4 — §6(g) Tenor of Loan
Accessed: 27 Sept 2026
Confidence: high

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Fees and chargesNil processing fee, nil prepayment penalty and nil NCGTC guarantee fee.Effective 8 May 2026View source

The scheme guideline sets a nil guarantee fee and prohibits processing fees and prepayment penalties. page also confirms nil processing and prepayment charges; this does not imply that unrelated statutory/security expenses are waived.

Source: ECLGS 5.0 — Operational Guidelines
Page / section: p.4 — §§6(f)–8; page Features — Zero Charges
Accessed: 27 Sept 2026
Confidence: high

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PrepaymentNil pre-payment penaltyEffective 22 May 2026View source

No pre-payment penalty should be charged on early repayment of the loan under the scheme.

Source: ECLGS 5.0 — official
Page / section: page 3 — prepayment penalty
Accessed: 4 Sept 2026
Confidence: high

Open official source ↗

Security and collateralBOB’s page says no additional collateral security or third-party guarantee; the shared scheme FAQ says no fresh collateral or personal/corporate guarantee for non-airline facilities. The MLI must create a second charge on existing primary/collateral securities and a charge on assets created from the facility within 90 days of first disbursement. The scheme has separate additional-security rules for airlines.Effective 8 May 2026View source

The guideline requires charges over existing securities and assets created by the loan within 90 days. The official clarifies that no fresh collateral/personal/corporate guarantee is sought for /non- facilities and that an underlying unsecured facility does not require a charge to be created.

Source: ECLGS 5.0 — Operational Guidelines
Page / section: p.4 — §10 Security; Annexure I p.9; Q8–9 and Q18
Accessed: 27 Sept 2026
Confidence: high

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NCGTC guaranteeThe guarantee covers the amount in default owed to the MLI: 100% for MSME facilities and 90% for non-MSME and airline facilities. No NCGTC guarantee fee is charged; the borrower remains liable for the loan.Effective 8 May 2026View source

The guarantee is issued to the MLI for the amount in default, not as loan forgiveness to the borrower. The guideline specifies 100% and 90% non-/airline coverage and nil guarantee fee.

Source: ECLGS 5.0 — Operational Guidelines
Page / section: pp.1, 3–4 — §§2, 6(c), 6(f)
Accessed: 27 Sept 2026
Confidence: high

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Other chargesNilEffective 4 Jun 2026View source

Other Charges: Nil.

Source: ECLGS 5.0 — official product page
Page / section: Charges
Accessed: 4 Sept 2026
Confidence: high

Open official source ↗

Application and MSME proofSubmit the scheme application through JanSamarth using self-declared details. A valid Udyam Registration Certificate or Udyam Assist Certificate is accepted as proof of MSME status.Effective 22 May 2026View source

The describes a self-declared JanSamarth application and accepts Udyam registration or Udyam Assist Certificate for status. These are the specific published requirements; lender-side claim papers are listed separately and are not an application checklist.

Source: ECLGS 5.0 — official
Page / section: pp.4–5, 9 — Q21 and Q35; page Eligibility Criteria
Accessed: 27 Sept 2026
Confidence: high

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EligibilityExisting borrowers with regular fund-based working-capital limits from an MLI on 31 March 2026. Credit facilities must be Standard (excluding SMA-2) across lenders on that date, and the borrower must not be NPA with any lender at sanction/disbursement. New borrowers and ad-hoc, temporary or one-time working-capital limits are excluded. Non-MSME borrowers in the scheme’s excluded sectors are ineligible; mixed-sector non-MSMEs are assessed on their proportionate eligible-sector turnover for FY 2025–26. Prior CGSE support is netted from the ECLGS limit already available.Effective 8 May 2026View source

The guideline sets the 31 March 2026 existing-borrower/Standard test, requires the account not to be when sanctioned or disbursed, and lists non- sector exclusions. The clarifies regular-limit treatment, cross-lender status, mixed-sector turnover and CGSE net-off.

Source: ECLGS 5.0 — Operational Guidelines
Page / section: pp.2, 7 and 10 — §4(iii), §15, Annexure A; cross-checked against Q9–10, Q16–17 and Q30
Accessed: 27 Sept 2026
Confidence: high

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Interest during moratoriumInterest remains payable when due, including during the moratorium. Airline borrowers may earmark up to 50% of estimated moratorium-period interest from the proposed facility toward a funded interest term loan (FITL).Effective 8 May 2026View source

Interest is serviced as it falls due, even during moratorium. For airlines, up to half the estimated moratorium interest may be earmarked from the proposed ECLGS facility for FITL.

Source: ECLGS 5.0 — Operational Guidelines
Page / section: p.4 — §6(e) Interest servicing
Accessed: 27 Sept 2026
Confidence: high

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Sanction windowSanctions may be made from 8 May 2026 through 31 March 2027, or until scheme guarantees reach ₹2,55,000 crore, whichever occurs first.Effective 8 May 2026View source

The scheme duration ends at 31 March 2027 or when guarantees totaling ₹2,55,000 crore have been issued, whichever happens first. This is the programme-wide guarantee ceiling, not a single-borrower limit.

Source: ECLGS 5.0 — Operational Guidelines
Page / section: p.3 — §5 Duration
Accessed: 27 Sept 2026
Confidence: high

Open official source ↗

Last disbursement dateThe full disbursement of fund-based facilities must be completed by 30 June 2027. For non-fund-based airline facilities, at least the first tranche must be used by that date.Effective 22 May 2026View source

The sets 30 June 2027 as the end date for full fund-based disbursement; for non-fund-based support the first tranche must be utilized by then.

Source: ECLGS 5.0 — official
Page / section: p.5 — Q22, last date for disbursement
Accessed: 27 Sept 2026
Confidence: high

Open official source ↗

How to applyApply through JanSamarth with self-declared details. The application is sent to the lender branch selected during the application journey; the MLI checks eligibility and makes the sanction decision under its credit policy.Effective 22 May 2026View source

The assigns the borrower’s application to JanSamarth and routes it to the selected branch; the MLI independently checks eligibility and decides sanction.

Source: ECLGS 5.0 — official
Page / section: pp.4–5 — Q21, borrower application process
Accessed: 27 Sept 2026
Confidence: high

Open official source ↗

Airline use of fundsFor airline assistance up to ₹100 crore, working-capital expenses are allowed except payments to promoters or their related, group or associate entities; a borrower self-declaration is required. Assistance above ₹100 crore is limited to eligible salaries (excluding executive directors/CEO, including contract staff), fuel bought from oil marketing companies, airport charges, aircraft lease charges and statutory expenses, supported by an auditor’s certificate; related-party payments remain excluded.Effective 8 May 2026View source

Annexure I separates airline support at or below ₹100 crore from the stricter eligible-cost list above ₹100 crore and sets the corresponding self-declaration/auditor-certificate evidence.

Source: ECLGS 5.0 — Operational Guidelines
Page / section: p.9 — Annexure I(i), airline end-use restrictions
Accessed: 27 Sept 2026
Confidence: high

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Airline additional securityA second charge on existing securities applies in every airline case. For assistance above ₹500 crore, positive 9-month FY 2025–26 EBITDA requires no additional security; if EBITDA is negative, one of the scheme’s share-pledge, promoter personal-guarantee or investment-grade group/holding-company guarantee options must cover the amount above ₹500 crore, with the stated 50% incremental-amount value thresholds.Effective 8 May 2026View source

The Annexure makes extra security for airline support above ₹500 crore conditional on nine-month 2025–26 and lists three alternative instruments when is negative; a second charge remains in every case.

Source: ECLGS 5.0 — Operational Guidelines
Page / section: p.9 — Annexure I(ii), airline security above ₹500 crore
Accessed: 27 Sept 2026
Confidence: high

Open official source ↗

Guarantee claim timelineAfter an ECLGS account turns NPA, the MLI must record the NPA within 90 days. On a complete eligible claim, NCGTC pays 75% of the guaranteed amount within 30 days; the balance 25% follows completion of recovery proceedings or 3 years from settlement of the first claim, whichever is earlier. A recall notice alone is not legal action.Effective 8 May 2026View source

The guideline sets the MLI’s 90-day -recording deadline and the 75%/25% claim-payment sequence; eligible legal action requires more than a recall notice.

Source: ECLGS 5.0 — Operational Guidelines
Page / section: pp.4–5 — §11, invocation and payment of guarantee claims
Accessed: 27 Sept 2026
Confidence: high

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Documents for a lender guarantee claimFor an interim guarantee claim, the MLI files the scheme sanction letter, the existing-facility ledger for 1 January–31 March 2026, the ECLGS facility ledger through claim date, credit-bureau evidence of status on 31 March 2026, and evidence of legal action, along with the prescribed management certificate. These are lender claim records, not the borrower’s JanSamarth application checklist.Effective 22 May 2026View source

The lists the records the MLI submits to for an interim claim. These lender claim records must not be presented as documents applicants upload for the initial loan request.

Source: ECLGS 5.0 — official
Page / section: pp.5–6 — Q23, interim claim records
Accessed: 27 Sept 2026
Confidence: high

Open official source ↗

Borrower repayment liabilityNCGTC’s guarantee protects the MLI; it does not cancel or reduce the borrower’s repayment obligation. The lender remains responsible for recovery of the full outstanding credit from the borrower.Effective 8 May 2026View source

The guideline says guarantee payment does not remove the MLI’s responsibility to recover the entire outstanding amount from the borrower.

Source: ECLGS 5.0 — Operational Guidelines
Page / section: pp.5–7 — §§14(g), 16, recovery and lender recourse
Accessed: 27 Sept 2026
Confidence: high

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MarginNil for MSME and non-MSME facilities.Effective 4 Jun 2026View source

publishes nil margin for non-airline facilities. The airline cell is left blank because the page states an airline exception without publishing a percentage.

Source: ECLGS 5.0 — official product page
Page / section: Margin
Accessed: 4 Sept 2026
Confidence: high

Open official source ↗

Benefits and features

Working-capital term loan for existing borrowers
No processing fee, prepayment penalty or other charge
Interest capped at 9% p.a. for bank lending
100% guarantee for and 90% for non-/airlines
No fresh collateral/personal/corporate guarantee for /non- facilities (airline security follows scheme terms)

Eligibility

Existing borrower with an eligible working-capital exposure on 31 March 2026; the account must be Standard (excluding SMA-2) across lenders on that date and not with any lender at sanction or disbursement.
Only regular sanctioned fund-based working-capital facilities count; ad-hoc, temporary and one-time limits are excluded.
Non- sector exclusions, the proportionate eligible-turnover test for mixed activities and the CGSE net-off rule apply as stated in the scheme .
Airline facilities have separate end-use and additional-security rules, including conditional security for assistance above ₹500 crore.

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

Documents the bank lists

A self-declared ECLGS application through JanSamarth.
For status, a valid Udyam Registration Certificate or Udyam Assist Certificate is accepted.

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Amount you want to borrowThe money you would receive from the lender.₹twenty-five lakh rupees₹50,000₹2,00,00,000Yearly interest rateThe percentage charged on the outstanding loan each year.%2%30%Time to repayA longer time usually lowers the monthly payment but raises total interest. months6 months360 months

One monthly payment₹22,493twenty-two thousand four hundred ninety-three rupees

Interest paid over the full loan₹28,98,356twenty-eight lakh ninety-eight thousand three hundred fifty-six rupees

Everything you repay₹53,98,356fifty-three lakh ninety-eight thousand three hundred fifty-six 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.

Use the published table

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Choose a table, then pick its row and column. This shows the exact entry published by the bank or insurer without making you scan every cell.

TableDocument

Sanction letter · RequirementFacility sanctioned under the Scheme

This value is copied from Interim claim documents. Check the table notes before relying on it.

Source: ECLGS 5.0 — official · pages 4–6 — Claim filing and settlement Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 6 rows · 2 columnsInterim claim documentsDocuments listed in the official ECLGS 5.0 FAQ for an interim claim.View tableHide table

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Interim claim documents
Document	Requirement
Sanction letter	Facility sanctioned under the Scheme
Existing-facility loan ledger	FY2025–26 ledger from 1 January to 31 March 2026
Scheme-facility ledger	Date-wise outstanding balance through claim date
Credit-bureau report/data	Evidence of account status on 31 March 2026
Legal-action evidence	Document evidencing legal action taken
Management certificate	Certificate for prescribed account details

pays 75% of the amount in default as interim claim within 30 days when documents are complete; balance 25% follows recovery conclusion or three years from first-claim settlement, whichever is earlier.

ECLGS 5.0 — official · pages 4–6 — Claim filing and settlement · accessed 4 Sept 2026Open official source ↗

Table 2 · 9 rows · 2 columnsECLGS 5.0 — FAQ clarifications for applicantsShared scheme FAQ details on eligible working-capital records, borrower application, sector-mix turnover and existing support.View tableHide table

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ECLGS 5.0 — FAQ clarifications for applicants
Question area	Published clarification
Facilities used for the peak calculation	Regular sanctioned cash credit, overdraft, WCDL, WCTL, discounted bills, packing credit and other facilities the MLI classifies as fund-based working capital may count.
Limits not counted	Ad-hoc limits, temporary overdrafts and one-time fund-based working-capital limits do not increase the eligible peak.
Borrower assessment	The MLI may sanction below the maximum 20% formula depending on the borrower’s assessed working-capital need.
Multiple business sectors	For a non- with eligible and excluded activities, the lender assesses proportionate turnover in eligible sectors for ended 31 March 2026.
Prior CGSE support	Eligibility is calculated after netting the limit already availed under the Credit Guarantee Scheme for Exporters.
Application route	The borrower submits self-declared details on JanSamarth; the application goes to the selected lender branch for the MLI’s eligibility and credit-policy decision.
identity proof	Udyam Registration or an Udyam Assist Certificate is accepted for establishing status.
Limits moved to another bank	A new lender may consider the borrower using the prior lender’s peak, verified from the account statement and takeover records.
Small unrelated account overdues	A limited exception may be considered where credit-card, savings or current-account overdues are no more than 1% of the ECLGS amount, are regularized before assistance and fall within the MLI’s materiality policy.

The is hosted by but provides scheme-wide clarifications; it is linked to both and products.
This table describes scheme rules and does not promise eligibility or sanction by either bank.

ECLGS 5.0 — official · pp.2–5 and 8–9 — on peak exposure, application, Udyam, takeover and overdue exception · effective 22 May 2026 · accessed 27 Sept 2026Open official source ↗

Table 3 · 5 rows · 2 columnsECLGS 5.0 — additional airline conditionsThese end-use and security conditions apply only to scheduled passenger airline facilities.View tableHide table

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ECLGS 5.0 — additional airline conditions
Condition	Published requirement
Use up to ₹100 crore	Any working-capital expense is allowed except payment to a promoter or promoter-related, group or associate entity. A borrower self-declaration is required.
Use above ₹100 crore	Limited to eligible salaries (excluding executive directors/CEO and including contract employees), fuel bought from oil-marketing companies, airport charges, aircraft lease charges and statutory expenses. An auditor’s certificate is required; related-party payments remain excluded.
Assistance above ₹500 crore with positive 9M 2025–26	No additional security is required beyond the second charge on existing securities.
Assistance above ₹500 crore with negative 9M 2025–26	For the amount above ₹500 crore, provide one of: a share pledge worth at least 50% of the incremental amount; promoter personal guarantee with asset statement and non-disposal undertaking, plus net worth at least 50% of the excess; or investment-grade group/holding-company guarantee with net worth at least 50% of the excess.
Security in all airline cases	Extend a second charge over existing primary and collateral securities to cover the ECLGS facility.

is assessed for 1 April–31 December 2025. The special airline rules do not apply to /non- facilities outside the scheduled passenger airline segment.
For a personal-guarantee option, the promoter also provides an asset statement and undertakes not to dispose of assets during the ECLGS facility tenor.

ECLGS 5.0 — Operational Guidelines · p.9 — Annexure I, airline end-use and additional security · effective 8 May 2026 · accessed 27 Sept 2026Open official source ↗

Table 4 · 9 rows · 3 columnsECLGS 5.0 — published termsView tableHide table

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ECLGS 5.0 — published terms
Item	/ non- (except airline)	Airline sector
Reference borrower	Existing Standard fund-based WC borrower on 31 March 2026; not at sanction/disbursement	Existing eligible airline borrower
Quantum	Up to 20% of FY2025–26 peak fund-based WC outstanding; maximum ₹100 crore	Up to 100% of FY2025–26 peak total credit outstanding; maximum ₹1,500 crore; equal equity above ₹1,000 crore
Facility	Working Capital Term Loan	Working Capital Term Loan
Repayment	5 years including 1-year moratorium	7 years including 2-year moratorium
Margin	Nil
Interest	+ 0.75%, maximum 9% p.a. for ; 3M + 0.75%, maximum 9% p.a. for non-	Board-approved lender policy
Charges	Processing nil; prepayment nil; other charges nil	Processing nil; prepayment nil; other charges nil
Security	No fresh collateral/personal/corporate guarantee; second charge on existing and created assets within 90 days	Scheme-specific security terms
Guarantee	; 100% coverage; nil fee	; 90% coverage; nil fee

Last updated on page: 4 June 2026. updated through 22 May 2026.
The airline margin cell is blank because page states an airline exception but publishes no percentage; no value is inferred. The airline security rules are shown in a separate table.

ECLGS 5.0 — official product page · Purpose through Guarantee; Margin · effective 4 Jun 2026 · accessed 4 Sept 2026Open official source ↗

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Emergency Credit Line Guarantee Scheme 5.0 (ECLGS 5.0)

What the official sources publish

Benefits and features

Eligibility

Documents the bank lists

Related official documents

Try the numbers

Loan repayment estimate

Find the exact published value

Complete rates, limits and schedules

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