Emergency Credit Line Guarantee Scheme 5.0
Government Scheme run by National Credit Guarantee Trustee Company Ltd. through eligible banks/NBFCs/member lending institutions.. Open pan-India.
Category
Loan
Runs on
National Credit Guarantee Trustee Company Ltd. through eligible banks/NBFCs/member lending institutions.
Applicable for
Pan India
Deadline
31 Mar 2027
Benefits.
- Additional credit support up to 20% of peak working capital utilised during Q4 FY 2026, capped at ₹100 crore. For airlines, credit support may go up to 100% of outstanding credit, capped at ₹1,500 crore per borrower. Government guarantee cover is 100% for MSMEs and 90% for non-MSMEs/airlines.
Who qualifies.
- Existing business borrowers, including MSMEs, having fund-based working capital limits as on 31 March 2026. Account should not be classified as SMA-2/NPA on the reference date. Final eligibility depends on bank/NBFC assessment and NCGTC guidelines.
Focus sectors.
MSMEs, business enterprises, manufacturing, trading, service sector, export-oriented businesses, and airlines affected by West Asia crisis/liquidity pressure.
Official portal.
www.jansamarth.in/homeWant help preparing the application?
We can review the business structure, validate the documentation, and tell you whether the route is worth pursuing before time is spent on the file.
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