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Emergency Credit Line Guarantee Scheme

In view of the economic distress caused by the COVID-19 pandemic, the Finance Ministry unveiled Emergency Credit Line Guarantee Scheme (ECLGS) to provide 100% guarantee coverage for the Guaranteed Emergency Credit Line (GECL) assistance of loan outstanding as on 29th February, 2020 or 31st March 2021, whichever is higher, to eligible borrowers including eligible Business Enterprises / Micro, Small and Medium Enterprise (MSME) borrowers.

The Scheme would be applicable to all loans sanctioned under GECL during the period from May 23, 2020 to March 31,2023, or till guarantees for an amount of Rs. 4.5 lakh crore are issued by NCGTC, whichever is earlier.

For More details, you may visit NCGTC site at www.ncgtc.in or contact nearest branch. We will glad to assist you.

Key Highlights of the Emergency Credit Line Guarantee Scheme

  • Eligibility of applicants
    Borrowers with up to Rs. 50 Crore outstanding as on Feb 29, 2020 is eligible for this scheme. Individual Borrower taking loan for business purpose, Business Enterprises, MSMEs constituted as Proprietorship, Partnership, registered company, trusts and Limited Liability Partnerships (LLPs) shall also be eligible. Borrower accounts which had NPA or SMA-2 status as on Feb 29, 2020 shall not be eligible under the scheme.
  • Loan sanctioning
    20% of the total outstanding credit of borrowers can be sanctioned as a loan under the Guaranteed Emergency Credit Line (GECL), for those who having a loan as on Feb 29, 2020.
  • No processing charges or collateral required
    Processing charges, foreclosure and prepayment charges will be waived. No collateral is required for this scheme.
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