ECLGS 5.0 – Emergency Credit Line Guarantee Scheme — Frequently Asked Questions
Answers to the questions founders most often ask about ECLGS 5.0 – Emergency Credit Line Guarantee Scheme — who qualifies, the funding amount, required documents and how the application works.
Frequently asked questions
How much funding can I get under ECLGS 5.0?
For MSMEs and Non-MSMEs, the additional credit is up to 20% of your peak working capital outstanding in Q4 FY 2025–26, subject to a maximum of ₹100 crore. For scheduled passenger airlines, it is up to 100% of your peak total credit outstanding, capped at ₹1,500 crore.
What is the application deadline?
The scheme operates on a rolling basis. However, eligibility is based on having a standard credit facility as on 31 March 2026. There is no fixed end date; apply through your lender or the Jansamarth portal.
Who is eligible to apply?
MSMEs, Non-MSMEs, and scheduled passenger airline enterprises that have an existing live, standard credit facility with a bank, RRB, or NBFC as on 31 March 2026 and have faced liquidity stress due to the West Asia crisis.
Do I need DPIIT or MSME registration?
No specific DPIIT registration is required. MSMEs should have valid Udyam registration. Non-MSMEs do not require MSME registration but must have a standard credit facility with a lender.
Is collateral required?
No additional collateral is required. The credit is backed by a government guarantee through NCGTC at no guarantee fee to you.
What is the repayment schedule?
For MSMEs and Non-MSMEs: tenure up to 5 years with a 1-year moratorium on principal repayment. For airlines: tenure up to 7 years with a 2-year moratorium.
How do I apply?
You can apply by contacting your existing lender (bank, RRB, or NBFC) with which you have a standard credit facility. Alternatively, you can initiate an application online through the Jansamarth portal at jansamarth.in.
What documents are needed?
Typically, you will need to provide business financials, loan account statements, proof of MSME/Non-MSME status (if applicable), and any documents that demonstrate the impact of the West Asia crisis on your liquidity. Your lender will specify the exact requirements.
Does the scheme take equity?
No, ECLGS 5.0 is a debt facility. It provides additional credit in the form of a working capital loan, not equity. No ownership stake is taken.
Can I apply if my existing loan is already under ECLGS?
Yes, as long as your credit facility is standard as on 31 March 2026 and you meet other eligibility criteria. The additional credit under ECLGS 5.0 is a top-up on your existing facility.
Who offers ECLGS 5.0 – Emergency Credit Line Guarantee Scheme?
ECLGS 5.0 – Emergency Credit Line Guarantee Scheme is offered by National Credit Guarantee Trustee Company (NCGTC), a government body. It is provided as non-dilutive funding.
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