Business, & agriculture finance

Emergency Credit Line Guarantee Scheme 5.0 (ECLGS 5.0)

West-Asia-crisis support through a working-capital term loan of up to ₹100 crore per borrower, with 100% guarantee for and 90% for non-.

Maximum loan₹100 crore per MSME or eligible non-MSME borrower, excluding the airline sector.Interest rateMSMEs: 8.80% p.a. at present. Non-MSMEs: 9.00% p.a. at present.Eligible borrowersBusiness enterprises, including MSMEs, with fund-based working-capital limits as on 31 March 2026; account must not be SMA-2 on that date. Airline-sector borrowers are excluded.

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✓ Manually checked 31 Aug 2026 · active

Offered byBank of Maharashtra

India; applications through Jan Samarth Portal

Key facts

What the official sources publish

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Eligible borrowersBusiness enterprises, including MSMEs, with fund-based working-capital limits as on 31 March 2026; account must not be SMA-2 on that date. Airline-sector borrowers are excluded.View source

Borrower, date and SMA-2 conditions reviewed.

Source: ECLGS 5.0
Page / section: Eligible borrower
Accessed: 31 Aug 2026
Confidence: high

Open official source ↗

Maximum loan₹100 crore per MSME or eligible non-MSME borrower, excluding the airline sector.View source

Published maximum reviewed.

Source: ECLGS 5.0
Page / section: Maximum Loan Amount
Accessed: 31 Aug 2026
Confidence: high

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Interest rateMSMEs: 8.80% p.a. at present. Non-MSMEs: 9.00% p.a. at present.View source

Both borrower-type rates retained as published.

Source: ECLGS 5.0
Page / section: Rate of Interest
Accessed: 31 Aug 2026
Confidence: high

Open official source ↗

Tenure and moratoriumFive years from first disbursement, including a one-year moratorium on principal; interest is payable during the moratorium.View source

Tenor and separate principal/interest moratorium rows reviewed.

Source: ECLGS 5.0
Page / section: Tenor and Moratorium
Accessed: 31 Aug 2026
Confidence: high

Open official source ↗

Guarantee cover100% for MSMEs and 90% for non-MSMEs, as stated in the scheme summary.View source

Both guarantee percentages retained.

Source: ECLGS 5.0
Page / section: Scheme summary
Accessed: 31 Aug 2026
Confidence: high

Open official source ↗

SecurityCharge on existing primary/collateral securities and assets created from the ECLGS 5.0 loan within 90 days of first disbursement; no additional collateral for the additional credit.View source

Charge timing and no-additional-collateral condition reviewed.

Source: ECLGS 5.0
Page / section: Security
Accessed: 31 Aug 2026
Confidence: high

Open official source ↗

Fees and marginNil margin, guarantee fee, processing fee and prepayment penalty.View source

All four nil-charge statements reviewed.

Source: ECLGS 5.0
Page / section: Scheme summary
Accessed: 31 Aug 2026
Confidence: high

Open official source ↗

Application channelApplications must be routed mandatorily through the Jan Samarth Portal only.View source

Mandatory routing instruction retained.

Source: ECLGS 5.0
Page / section: Scheme summary
Accessed: 31 Aug 2026
Confidence: high

Open official source ↗

Geographic limitsIndia; applications through Jan Samarth PortalView source

The manually reviewed product record states: “India; applications through Jan Samarth Portal”.

Source: Emergency Credit Line Guarantee Scheme 5.0 (ECLGS 5.0) — official product page
Page / section: Published product metadata
Accessed: 31 Aug 2026
Confidence: high

Open official source ↗

DocumentsJan Samarth application; Business/entity KYC; 31 March 2026 working-capital sanction and outstanding evidence; SMA/NPA status evidence; Existing-security and disbursement documentsView source

The manually reviewed product record states: “Jan Samarth application; Business/entity ; 31 March 2026 working-capital sanction and outstanding evidence; SMA/ status evidence; Existing-security and disbursement documents”.

Source: Emergency Credit Line Guarantee Scheme 5.0 (ECLGS 5.0) — official product page
Page / section: Published product metadata
Accessed: 31 Aug 2026
Confidence: high

Open official source ↗

Benefits and features

Up to ₹100 crore per borrower
8.80% p.a. rate and 9.00% p.a. non- rate as published
Five-year tenor including one-year principal moratorium
Nil margin, guarantee fee, processing fee and prepayment penalty
No additional collateral for the additional credit

Eligibility

Business enterprises, including , with fund-based working-capital limits as on 31 March 2026; account must not be SMA-2 on that date. Airline-sector borrowers are excluded. Applications must be routed through Jan Samarth only.

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

Documents the bank lists

Jan Samarth application
Business/entity
31 March 2026 working-capital sanction and outstanding evidence
SMA/ status evidence
Existing-security and disbursement documents

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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₹22,173twenty-two thousand one hundred seventy-three rupees

Interest paid over the full loan₹28,21,422twenty-eight lakh twenty-one thousand four hundred twenty-two rupees

Everything you repay₹53,21,422fifty-three lakh twenty-one thousand four hundred twenty-two 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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Parameter

Purpose · Published detailAdditional business credit support in view of West Asia crisis

This value is copied from ECLGS 5.0 complete parameters. Check the table notes before relying on it.

Source: ECLGS 5.0 · Complete nine-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 · 11 rows · 2 columnsECLGS 5.0 complete parametersView tableHide table

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ECLGS 5.0 complete parameters
Parameter	Published detail
Purpose	Additional business credit support in view of West Asia crisis
Facility	Working Capital Term Loan
Eligible borrower	Business enterprises/ with fund-based WC limits on 31 March 2026; not SMA-2; airline sector excluded
Maximum loan	₹100 crore per borrower
Interest	8.80% p.a.; non- 9.00% p.a. at present
Tenor	5 years including 1-year principal moratorium; interest payable during moratorium
Security	Existing and created-asset charge within 90 days; no additional collateral
Validity	Sanctions from guideline issue through 31 March 2027 or ₹2,55,000 crore guarantees, whichever earlier
Guarantee	100% ; 90% non-
Fees/margin	Nil margin, guarantee fee, processing fee and prepayment penalty
Route	Jan Samarth Portal mandatory

ECLGS 5.0 · Complete nine-parameter table and summary · accessed 31 Aug 2026Open official source ↗

Emergency Credit Line Guarantee Scheme 5.0 (ECLGS 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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