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Credit Guarantee Scheme for Exporters (CGSE)

Additional collateral-free export working-capital support up to 20% of existing limits, capped at ₹50 crore per borrower, with 100% guarantee cover.

Additional supportUp to 20% of sanctioned export or domestic working-capital limits, subject to ₹50 crore per borrower across all banks/FIs and rupee currency only; limits existing on 30 September 2025 are used for calculation.Interest rateMaximum 10% p.a., subject to the Bank's pricing policy.Eligible exportersDirect and indirect exporters, including MSME and non-MSME exporters, with eligible working-capital limits.
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Quick eligibility check

Credit Guarantee Scheme for Exporters (CGSE)

0 of 9 answered

Answer what you know. This guide compares your answers with the criteria published for this product; it is not an approval decision. Your answers stay on this device.

1Do you meet this requirement: Direct and indirect exporters, including MSME and non-MSME exporters, with eligible working-capital limits?

Published source: Eligible exporters

2Do you meet this requirement: Application and KYC?

Published source: Documents

3Do you meet this requirement: Export/indirect-exporter evidence?

Published source: Documents

4Do you meet this requirement: Existing sanctioned working-capital limits?

Published source: Documents

5Can you provide this required proof: Primary-security and NCGTC guarantee documents?

Published source: Documents

6Document checkDo you have this required document or proof: Application and KYC?

Published source: Documents

7Document checkDo you have this required document or proof: Export/indirect-exporter evidence?

Published source: Documents

8Document checkDo you have this required document or proof: Existing sanctioned working-capital limits?

Published source: Documents

9Document checkDo you have this required document or proof: Primary-security and NCGTC guarantee documents?

Published source: Documents
0 of 9 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 31 Aug 2026 · active
Offered byBank of Maharashtra

India; rupee export working-capital facilities

Key facts

What the official sources publish

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

Eligible exportersDirect and indirect exporters, including MSME and non-MSME exporters, with eligible working-capital limits.View source
Direct/indirect and /non- scope retained.
Source
CGSE
Page / section
Purpose and quantum
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Additional supportUp to 20% of sanctioned export or domestic working-capital limits, subject to ₹50 crore per borrower across all banks/FIs and rupee currency only; limits existing on 30 September 2025 are used for calculation.View source
Both percentage and absolute cap, currency and reference-date conditions reviewed.
Source
CGSE
Page / section
Quantum
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
TenorFour years fixed, including a one-year moratorium.View source
Published tenor row reviewed.
Source
CGSE
Page / section
Tenor
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Interest rateMaximum 10% p.a., subject to the Bank's pricing policy.View source
Published cap retained.
Source
CGSE
Page / section
Interest Rate
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Guarantee cover100% guarantee cover through NCGTC for the additional support.View source
Published guarantee-cover statement reviewed.
Source
CGSE
Page / section
Scheme summary
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
SecurityCharge on primary securities and existing collateral securities for NCGTC; no additional collateral, fresh personal guarantee or fresh corporate guarantee for the additional funding.View source
Complete security row reviewed.
Source
CGSE
Page / section
Security
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
FeesNil guarantee fee, processing fee and prepayment penalty.View source
All three fee statements reviewed.
Source
CGSE
Page / section
Scheme summary
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Geographic limitsIndia; rupee export working-capital facilitiesView source
The manually reviewed product record states: “India; rupee export working-capital facilities”.
Source
Credit Guarantee Scheme for Exporters (CGSE) — official product page
Page / section
Published product metadata
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
DocumentsApplication and KYC; Export/indirect-exporter evidence; Existing sanctioned working-capital limits; Primary-security and NCGTC guarantee documents; Bank export and compliance recordsView source
The manually reviewed product record states: “Application and ; Export/indirect-exporter evidence; Existing sanctioned working-capital limits; Primary-security and guarantee documents; Bank export and compliance records”.
Source
Credit Guarantee Scheme for Exporters (CGSE) — official product page
Page / section
Published product metadata
Accessed
31 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • Additional support up to 20% of existing working-capital limits
  • 100% guarantee cover
  • ₹50 crore per-borrower maximum
  • No additional collateral or fresh personal/corporate guarantee
  • Nil guarantee fee, processing fee and prepayment penalty

Eligibility

  • Direct and indirect exporters with eligible working-capital limits; the reference limit is the export working-capital limit for direct exporters or domestic working-capital limit for indirect exporters existing on 30 September 2025.

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

Documents the bank lists

  • Application and
  • Export/indirect-exporter evidence
  • Existing sanctioned working-capital limits
  • Primary-security and guarantee documents
  • Bank export and compliance records

Related official documents

Credit Guarantee Scheme for Exportersofficial-product-page · current · accessed 31 Aug 2026
↗

Plan before applying

Try the numbers

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Loan repayment estimate

See what the loan could cost each month. Move any slider to try a different amount, rate or repayment time.

One monthly payment₹24,126twenty-four thousand one hundred twenty-six rupees
Interest paid over the full loan₹32,90,130thirty-two lakh ninety thousand one hundred thirty rupees
Everything you repay₹57,90,130fifty-seven lakh ninety thousand one hundred thirty 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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Purpose · Published detailGuarantee coverage for direct and indirect exporter credit assistance

This value is copied from CGSE complete parameters. Check the table notes before relying on it.

Source: CGSE · Complete seven-parameter table and summary Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 8 rows · 2 columnsCGSE complete parametersView tableHide table

Scroll sideways to view every column

CGSE complete parameters
ParameterPublished detail
PurposeGuarantee coverage for direct and indirect exporter credit assistance
CommencementGuidelines from 19 November 2025; eligible loans sanctioned on/after announcement
QuantumUp to 20% of existing export/domestic working-capital limits; ₹50 crore per borrower across banks/FIs
Tenor4 years fixed including 1-year moratorium
InterestMaximum 10% p.a., subject to Bank pricing policy
DurationUntil ₹20,000 crore guarantees or 31 March 2026, whichever earlier
SecurityExisting/proposed primary and collateral charge; no additional collateral or fresh personal/corporate guarantee
FeesNil guarantee fee, processing fee and prepayment penalty
CGSE · Complete seven-parameter table and summary · accessed 31 Aug 2026Open official source ↗

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