ECLGS5.0 Scheme

Purpose

To meet additional working capital requirement of existing borrowers to tide over short-term liquidity mismatch

Eligibility

All borrowers (MSMEs & Non-MSMEs) having:

  • Fund Based Working Capital limit in “Standard Category” as on 31.03.2026
  • Borrower not to be NPA as on date of Sanction/Disbursement

Quantum of Finance

Max. 100 Cr. per borrower (except Airline sector)

Margin

NIL (except Airline sector)

Rate of Interest

  • MSMEs – RBLR+0.75%, Max 9% p.a.
  • Non-MSMEs – MCLR+0.75%, Max. 9%p.a.

Charges

  • PPC: Nil.
  • Pre-payment penalty: Nil.
  • Other Charges: Nil.

Security

Charge on existing securities (primary as well as collateral) and on assets created out of the loan under ECLGS 5.0

Guarantee

Covered by NCGTC with NIL Guarantee fee. (Coverage: 100% for MSMEs & 90% for Non-MSMEs)

FAQ