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Emergency Credit Line Guarantee Scheme (ECLGS)

केंद्रीय योजना (अखिल भारतीय) वित्त आवेदन मोड: ONLINE सक्रिय
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सत्यापित योजना डेटा प्रोफ़ाइल

यह प्रोफ़ाइल स्वतंत्र रूप से आधिकारिक राजपत्र अधिसूचनाओं और सत्यापित वेब डोमेन से संकलित की गई है। स्रोत प्राधिकरण लिंक: www.mof.gov.in प्राधिकरण: Ministry of Finance • राज्य/क्षेत्र: Central Scheme (All India) • अंतिम बार ऑडिट किया गया: 29 Jul 2026

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The Emergency Credit Line Guarantee Scheme (ECLGS) offers a 100 % guarantee cover to scheduled commercial banks and NBFCs for additional working‑capital loans to distressed enterprises, facilitating collateral‑free financing at concessional rates.

विस्तृत सारांश

Overview

ECLGS is administered by the National Credit Guarantee and Tranche Capital (NCGTC) under the Ministry of Finance. It aims to preserve liquidity for businesses affected by economic disruptions by guaranteeing bank‑extended working‑capital loans.

Objectives

  • Stabilise cash‑flows of affected enterprises.
  • Facilitate rapid credit disbursement without additional security.

Mechanism

Participating banks may extend additional credit lines to eligible borrowers. NCGTC guarantees 100 % of the sanctioned amount, subject to scheme‑specific ceilings (₹2 crore for MSMEs, ₹5 crore for larger enterprises).

Documentation

Borrowers must submit a guarantee application, latest audited financial statements, and verifiable evidence of distress such as a decline in revenue or supply‑chain disruption.

प्रमुख लाभ और वित्तीय सहायता

तुलना मानदंड लाभ
प्रमुख लाभ
  • 100 % guarantee cover on additional working‑capital loans
  • Collateral‑free financing
  • Concessional interest rates as per scheme guidelines
  • Repayment tenure extended up to five years
  • Applicable to both new and existing credit lines

पात्रता मानदंड प्रोफ़ाइल

तुलना मानदंड पात्रता
  • Existing borrower of a scheduled commercial bank or NBFC participating in the scheme
  • Outstanding loan ≤ ₹2 crore for MSMEs or ≤ ₹5 crore for larger enterprises
  • Demonstrated impact of economic distress (e.g., revenue decline, supply‑chain disruption)
  • No default on current loan obligations
  • Business, MSME or MUDRA borrower with an active credit facility

आवेदन प्रक्रिया मार्गदर्शिका

  1. Submit guarantee application, latest audited financial statements and distress evidence to the lending bank.
  2. Bank verifies eligibility and forwards the request to NCGTC.
  3. NCGTC reviews and issues guarantee cover within the stipulated turnaround time.
  4. Bank disburses the additional working‑capital loan upon guarantee issuance.
  5. Borrower repays as per the agreed extended tenure.

इस योजना के बारे में अक्सर पूछे जाने वाले प्रश्न

Existing borrowers of scheduled commercial banks or NBFCs that have an active credit facility and satisfy the loan‑size and distress criteria are eligible.

The scheme guarantees up to 100 % of the additional working‑capital loan, subject to a ceiling of ₹2 crore for MSMEs.

NCGTC aims to issue the guarantee within 7‑10 working days after receiving a complete request from the lending bank.