Emergency Credit Line Guarantee Scheme (ECLGS) 5.0

Features
Eligibility
How to Apply
Additional Information

The Government of India has introduced the Emergency Credit Line Guarantee Scheme (ECLGS) 5.0 to support businesses facing short-term cash flow challenges due to global uncertainties, including supply chain disruptions, geopolitical developments such as the West Asia crisis, and energy price volatility.

The scheme enables eligible borrowers to access additional Working Capital through member lending institutions, ensuring timely support for temporary liquidity gaps.

With a government-backed guarantee, ECLGS 5.0 reduces lender risk and allows faster credit access without additional collateral, helping businesses sustain operations and strengthen financial stability.

Key features of the scheme

Eligible Borrowers

MSMEs & Non-MSMEs with Working Capital as of 31st March 2026

Repayment Period

Tenure up to 5 to 7 years with moratorium

Charges

Zero processing fee, no guarantee fee & prepayment penalty

No Additional Collateral

Get extra credit without providing fresh security