Emergency Credit Line Guarantee Scheme 5 - Business

i. Purpose

To provide liquidity support to existing Borrowers who are facing liquidity stress/ mismatches due to on-going West Asia Conflict.

ii. Eligibility

All borrowers (MSMEs & non-MSMEs) having:

•  Fund Based Working Capital limit in “Standard Category” (excluding SMA-2) as on 31.03.2026.

•  Borrower not to be NPA as on date of Sanction/Disbursement

iii. Quantum of Finance

• Up to 20% of the peak fund-based working capital outstanding during the entire fourth quarter of FY 2025-26 with a maximum of Rs. 100 Cr. per borrower (except Airline sector)

• Up to 100% of the total peak credit outstanding (fund-based and non-fund based) during the entire fourth quarter of FY 2025-26 with a maximum of Rs.1500 Cr. for Airline Sector.

iv. Nature of Facility:

Working Capital Term Loan.

v. Repayment

• MSMEs/Non MSMEs (except Airline sector): 5 years from the date of first disbursement including moratorium of 1 year

• Airline Sector: 7 years from the date of first disbursement including moratorium of 2 years

vi. Margin

NIL (except Airline sector)

vii. Rate of Interest

•  MSMEs – EBLR+0.75%, Max 9% p.a.

•  Non-MSMEs – 3 M MCLR+0.75%, Max. 9%p.a.

viii. Charges

•  Processing Charges: Nil.

•  Pre-payment penalty: Nil.

•  Other Charges: Nil.

ix. Security

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

x. Guarantee

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

To apply, please contact your Home Branch or visit https://www.jansamarth.in/login