The Government of India has introduced ECLGS 5.0, administered by NCGTC, to provide additional credit support to eligible borrowers.

Eligibility Criteria	Accounts should be Standard (excluding SMA-2) across all lenders as on 31.03.2026 Accounts should not be NPA as on date of Sanction/Disbursement with any lenders
Eligible Limit	Up to 20% of peak fund-based working capital outstanding during Q4 FY 2025-26 Maximum 100 Crore per borrower (except Airline sector)
Tenor	Repayment tenure of up to 5 years including moratorium of 1 year
Interest Rate	Maximum interest cap - 9% p.a.
Charges	Processing Fee: Nil Guarantee Fee: Nil Prepayment / Foreclosure Charges: Nil
Guarantee Coverage	NCGTC guarantee coverage is available as follows: 100% for MSME 90% for Non-MSMEs

Additional assistance will be provided in the form of Working Capital Term Loan (WCTL).
Scheme valid up to 31.03.2027 subject to guidelines or till the guarantee coverage limit is exhausted, whichever is earlier.

For further details, please visit your nearest branch or refer to the NCGTC guidelines.