Business, & agriculture finance

bob Emergency Credit Line Guarantee Scheme 5.0 (BECLGS 5.0)

Additional working-capital term-loan support backed by guarantee for businesses affected by the West Asia crisis, with up to ₹100 crore for /non- and ₹1,500 crore for airlines.

Facility amountAdditional working-capital term loan up to ₹100 crore for MSME/non-MSME borrowers (excluding airlines) and up to ₹1,500 crore for scheduled passenger airlines; the quantum is capped at 20% of peak fund-based working-capital outstanding in Q4 FY 2025–26 for MSME/non-MSME borrowers.Interest rateBRLLR/MCLR + 0.75% with a cap of 9.00% p.a.Customer typeExisting MSMEs with Udyam registration or Udyam Assist Certificate; Eligible non-MSMEs; Scheduled passenger airlines

Official product page ↗Compare category

✓ Manually checked 8 Sept 2026 · active

Offered byBank of Baroda

India; applications are routed through the JanSamarth portal and the borrower must have had eligible credit with a member lending institution on 31 March 2026.

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

The page publishes up to Rs 100 crore for /non- borrowers, up to Rs 1500 crore for airlines, and up to 20% of peak fund-based working-capital outstanding in 2025-26.

Source: bob Emergency Credit Line Guarantee Scheme 5.0
Page / section: Benefits — Additional Working Capital Term Loan Facility; Features — Quantum of Assistance
Accessed: 8 Sept 2026
Confidence: high

Open official source ↗

Interest rateBRLLR/MCLR + 0.75% with a cap of 9.00% p.a.Effective 8 May 2026View source

The official page states / + 0.75%, capped at 9% p.a.

Source: bob Emergency Credit Line Guarantee Scheme 5.0
Page / section: Features — Concessional Interest Rate
Accessed: 8 Sept 2026
Confidence: high

Open official source ↗

TenureUp to 5 years for MSME/non-MSME borrowers and up to 7 years for borrowers in the airline sector.Effective 8 May 2026View source

The page states up to 5 years, extended to 7 years for airline-sector borrowers.

Source: bob Emergency Credit Line Guarantee Scheme 5.0
Page / section: Features — Repayment Period
Accessed: 8 Sept 2026
Confidence: high

Open official source ↗

CollateralNo additional collateral security or third-party guarantee is required (collateral-free finance).Effective 8 May 2026View source

The official page says no additional collateral security or third-party guarantee is required.

Source: bob Emergency Credit Line Guarantee Scheme 5.0
Page / section: Features — Collateral-Free Finance
Accessed: 8 Sept 2026
Confidence: high

Open official source ↗

FeesNo processing fee and no prepayment charge.Effective 8 May 2026View source

The page explicitly states no processing fees or prepayment charges.

Source: bob Emergency Credit Line Guarantee Scheme 5.0
Page / section: Features — Zero Charges
Accessed: 8 Sept 2026
Confidence: high

Open official source ↗

Required documentsThe page requires an existing eligible fund-based working-capital facility with a member lending institution as of 31 March 2026; MSMEs must hold an Udyam Registration Certificate or Udyam Assist Certificate. It does not publish an itemised application-document checklist.Effective 8 May 2026View source

The eligibility section requires existing fund-based working-capital limits as on 31.03.2026 and Udyam registration/assistance for .

Source: bob Emergency Credit Line Guarantee Scheme 5.0
Page / section: Eligibility Criteria
Accessed: 8 Sept 2026
Confidence: high

Open official source ↗

EligibilityExisting MSMEs, eligible non-MSMEs and scheduled passenger airlines with qualifying standard credit facilities (excluding SMA-2) as at 31 March 2026; specified sectors including NBFCs, power, telecom, sugar/ethanol, IT, paper, educational institutions, beverages (except tea/coffee) and tobacco are excluded for non-MSMEs.Effective 8 May 2026View source

The page lists qualifying borrowers, the 31 March 2026 standard-account test, SMA-2 exclusion and non- sector exclusions.

Source: bob Emergency Credit Line Guarantee Scheme 5.0
Page / section: Eligibility Criteria
Accessed: 8 Sept 2026
Confidence: high

Open official source ↗

Geographic limitsIndia; applications are routed through the JanSamarth portal and the borrower must have had eligible credit with a member lending institution on 31 March 2026.View source

The manually reviewed product record states: “India; applications are routed through the JanSamarth portal and the borrower must have had eligible credit with a member lending institution on 31 March 2026.”.

Source: bob Emergency Credit Line Guarantee Scheme 5.0 (BECLGS 5.0) — official product page
Page / section: Published product metadata
Accessed: 8 Sept 2026
Confidence: high

Open official source ↗

Customer typeExisting MSMEs with Udyam registration or Udyam Assist Certificate; Eligible non-MSMEs; Scheduled passenger airlinesView source

The manually reviewed product record states: “Existing with Udyam registration or Udyam Assist Certificate; Eligible non-; Scheduled passenger airlines”.

Source: bob Emergency Credit Line Guarantee Scheme 5.0 (BECLGS 5.0) — official product page
Page / section: Published product metadata
Accessed: 8 Sept 2026
Confidence: high

Open official source ↗

Benefits and features

Up to ₹100 crore additional working-capital term loan for /non- borrowers and up to ₹1,500 crore for airlines.
No processing fee, prepayment charge, additional collateral or third-party guarantee.
Interest at / + 0.75%, capped at 9% p.a.
100% guarantee coverage for and 90% for non- and airlines; no guarantee fee.

Eligibility

Existing qualifying working-capital borrower as of 31 March 2026 with standard credit status (excluding SMA-2).
require Udyam Registration or Udyam Assist Certificate; applications are routed through JanSamarth.
Non- borrowers in the listed excluded sectors are not eligible.

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

Evidence of qualifying existing working-capital facilities as of 31 March 2026
Udyam Registration Certificate or Udyam Assist Certificate for
Other documents requested by the member lending institution; no itemised list is published on the product page

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Loan repayment estimate

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Amount you want to borrowThe money you would receive from the lender.₹twenty-five lakh rupees₹50,000₹2,00,00,000Yearly interest rateThe percentage charged on the outstanding loan each year.%2%30%Time to repayA longer time usually lowers the monthly payment but raises total interest. months6 months360 months

One monthly payment₹22,493twenty-two thousand four hundred ninety-three rupees

Interest paid over the full loan₹28,98,356twenty-eight lakh ninety-eight thousand three hundred fifty-six rupees

Everything you repay₹53,98,356fifty-three lakh ninety-eight thousand three hundred fifty-six rupees

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

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Term

Borrowers · Published detailExisting , eligible non- and scheduled passenger airlines

This value is copied from BECLGS 5.0 — published terms. Check the table notes before relying on it.

Source: bob Emergency Credit Line Guarantee Scheme 5.0 · Benefits; Features; Eligibility Criteria; Other Information Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 10 rows · 2 columnsBECLGS 5.0 — published termsComplete structured capture of the official Bank of Baroda page.View tableHide table

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BECLGS 5.0 — published terms
Term	Published detail
Borrowers	Existing , eligible non- and scheduled passenger airlines
Facility	Additional working-capital term loan over existing fund-based working-capital limits
Amount	Up to ₹100 crore for /non-; up to ₹1,500 crore for airlines; quantum up to 20% of peak 2025–26 working-capital outstanding
Interest	/ + 0.75%, capped at 9% p.a.
Repayment	Up to 5 years; 7 years for airlines
Security	No additional collateral security or third-party guarantee
Charges	No processing fee or prepayment charge; no guarantee fee
Guarantee	100% coverage for ; 90% for non- and airlines
Eligibility date	Existing qualifying facility and standard account status as of 31 March 2026; SMA-2 excluded
Application	JanSamarth portal

Non- exclusions include , power, telecom, sugar/ethanol, IT, paper, educational institutions, beverages (except tea/coffee) and tobacco sectors.

bob Emergency Credit Line Guarantee Scheme 5.0 · Benefits; Features; Eligibility Criteria; Other Information · effective 8 May 2026 · accessed 8 Sept 2026Open official source ↗

bob Emergency Credit Line Guarantee Scheme 5.0 (BECLGS 5.0)

What the official sources publish

Benefits and features

Eligibility

Documents the bank lists

Related official documents

Try the numbers

Loan repayment estimate

Find the exact published value

Complete rates, limits and schedules

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