Business, & agriculture finance

Canara Credit Guarantee Scheme for Exporters (CGSE)

Government-backed guarantee support for eligible export working-capital borrowers, covering up to 20% of limits up to ₹50 crore for four years including a one-year moratorium.

Facility amountSupport up to 20% of sanctioned working-capital limits; maximum loan amount ₹50 crore per borrower.Rate1 percentage point below the existing working-capital rate, capped at 10% p.a.Customer typeDirect MSME exporters (minimum 5% export turnover), direct non-MSME exporters (minimum 20%) and indirect MSME exporters supplying at least 30% of turnover to eligible direct exporters.

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✓ Manually checked 4 Sept 2026 · active

Offered byCanara Bank

India; eligible Canara Bank export working-capital borrowers

Key facts

What the official sources publish

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Customer typeDirect MSME exporters (minimum 5% export turnover), direct non-MSME exporters (minimum 20%) and indirect MSME exporters supplying at least 30% of turnover to eligible direct exporters.View source

Complete direct/indirect exporter conditions reviewed.

Source: Credit Guarantee Scheme for Exporters
Page / section: Eligibility
Accessed: 4 Sept 2026
Confidence: high

Open official source ↗

Turnover / vintageExport turnover threshold: 5% for direct MSME exporters, 20% for direct non-MSMEs and 30% supplied to eligible exporters for indirect MSMEs; FY24 or FY25 can be used.View source

Published turnover and financial-year tests reviewed.

Source: Credit Guarantee Scheme for Exporters
Page / section: Eligibility
Accessed: 4 Sept 2026
Confidence: high

Open official source ↗

Facility amountSupport up to 20% of sanctioned working-capital limits; maximum loan amount ₹50 crore per borrower.View source

Complete quantum section reviewed.

Source: Credit Guarantee Scheme for Exporters
Page / section: Quantum of support
Accessed: 4 Sept 2026
Confidence: high

Open official source ↗

Rate1 percentage point below the existing working-capital rate, capped at 10% p.a.View source

Published pricing condition reviewed.

Source: Credit Guarantee Scheme for Exporters
Page / section: Interest rate
Accessed: 4 Sept 2026
Confidence: high

Open official source ↗

TenureFour years including a one-year moratorium; six-month lock-in from guarantee-cover commencement.View source

Complete tenure section reviewed.

Source: Credit Guarantee Scheme for Exporters
Page / section: Tenure and lock-in
Accessed: 4 Sept 2026
Confidence: high

Open official source ↗

Security / collateral100% guarantee cover; no additional collateral and no fresh personal/corporate guarantees.View source

Complete guarantee/security section reviewed.

Source: Credit Guarantee Scheme for Exporters
Page / section: Guarantee and security
Accessed: 4 Sept 2026
Confidence: high

Open official source ↗

FeesProcessing fee nil; guarantee fee nil.View source

Published nil-fee terms reviewed.

Source: Credit Guarantee Scheme for Exporters
Page / section: Fees
Accessed: 4 Sept 2026
Confidence: high

Open official source ↗

DocumentsValid Udyam registration for MSMEs, export-turnover evidence, active eligible working-capital limit, standard-account status and KYC/financial/export documents.View source

Published documentation and account-status conditions reviewed.

Source: Credit Guarantee Scheme for Exporters
Page / section: Eligibility and conditions
Accessed: 4 Sept 2026
Confidence: high

Open official source ↗

Geographic limitsIndia; direct and indirect eligible exporters with an eligible lender's active working-capital facility.View source

National exporter scheme page reviewed.

Source: Credit Guarantee Scheme for Exporters
Page / section: Eligibility
Accessed: 4 Sept 2026
Confidence: high

Open official source ↗

Benefits and features

Maximum loan amount ₹50 crore per borrower
Support up to 20% of sanctioned export or domestic working-capital limit
100% guarantee cover, nil processing fee and nil guarantee fee
Interest 1 percentage point below existing working-capital rate, capped at 10% p.a.
No additional collateral or fresh personal/corporate guarantee

Eligibility

Direct exporters need at least 5% export turnover; non- direct exporters need 20%; indirect exporters need at least 30% of turnover supplied to eligible direct exporters; valid Udyam and standard-account conditions apply.

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

Documents the bank lists

Udyam registration for
Export turnover and working-capital evidence
Active eligible lender limit and account-status records
, , financial and export documents requested at sanction

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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₹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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TableProductChoose column

Canara Star · Eligible customer in manufacturing/services and listed entities

This value is copied from Canara and export-finance terms. Check the table notes before relying on it.

Source: Canara and exporter product pages · Complete product tables Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 5 rows · 7 columnsCanara MSME and export-finance termsPublished facility, eligibility, amount, pricing, security, tenure and fees transcribed from current official Canara Bank pages.View tableHide table

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Canara MSME and export-finance terms
Product	Eligible customer	Facility amount	Rate	Security / margin	Repayment	Fees
Canara Star	in manufacturing/services and listed entities	Above ₹10 lakh; maximum not published	to + 1.00%	20% WC/TL, 15% NFB; 100% security coverage	WC 1 year; term loan up to 10 years	Service-charge schedule; fixed fee not published
Canara	-registered with 6+ months returns and 75% turnover routed	Above ₹10 lakh to ₹10 crore	Starting 8.25% p.a.	Nil margin; collateral at least 75%	12 months	Fixed fee not published
Doctor's Choice	Registered medical practitioners and related medical enterprises	No stated minimum; up to ₹5 crore; WC sub-limit ₹50 lakh	-linked; fixed percentage not published	20% WC/equipment, 25% premises; 100% collateral	WC 2 years; term loan up to 7 years	Fixed fee not published
Contractor	Eligible government/other contractors with Canara operative account	Above ₹25 lakh; maximum not published	-linked; fixed percentage not published	WC nil; TL/NFB 20%; collateral at least 50%	WC 1 year; term loan 5–7 years	Fixed fee not published
CGSE	Direct/indirect exporters meeting turnover tests	Up to 20% of limit; loan cap ₹50 crore	1% below existing WC rate, capped 10%	100% guarantee; no additional collateral	4 years incl. 1-year moratorium	Processing and guarantee fees nil

Canara and exporter product pages · Complete product tables · accessed 4 Sept 2026Open official source ↗

Table 2 · 5 rows · 7 columnsCanara Bank export and trade facilities — official page comparisonView tableHide table

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Canara Bank export and trade facilities — official page comparison
Facility	Eligible customer	Quantum / limit	Rate / pricing	Security / guarantee	Tenure / settlement	Fees
TReDS financing	sellers, corporate/government/ buyers and financiers	Need-based Factoring Unit; no fixed cap published	Financier auction bid rate	Factoring without recourse to seller; no separate collateral published	Maximum T+2 working days settlement	No TReDS-specific fee published
CGSE	Direct/indirect exporters meeting 5%/20%/30% turnover tests	Up to 20% of WC limit; maximum ₹50 crore	1% below existing WC rate, capped at 10% p.a.	100% guarantee; no additional collateral or fresh guarantees	4 years incl. 1-year moratorium; 6-month lock-in	Processing NIL; guarantee NIL
Packing Credit /	Exporters with export order or overseas ; qualifying supporting manufacturers	Need-based	-directed concessional rate; concessional period up to 180 days	No universal collateral row published	Short-term; shipping/production-cycle dependent	No fixed fee row published
FDB / FBE	Exporters with export order or ; qualifying supporting manufacturers	Need-based	As per directives	No universal collateral row published	Post-shipment/document-schedule dependent	No fixed fee row published
Foreign Letter of Credit	Importers of foreign raw materials, inputs and capital goods	Need-based non-fund limit	Commission-based; schedule per Canara guidelines	No universal collateral row published	terms dependent	Commission as per guidelines

Rows transcribed from the complete official Canara pages; where a page does not publish a numeric value it is explicitly identified as not published rather than inferred.

Products And Schemes index and linked facility pages · Other Credit Facilities, Export Advances and Non Fund Based Facilities · accessed 4 Sept 2026Open official source ↗

Canara Credit Guarantee Scheme for Exporters (CGSE)

What the official sources publish

Benefits and features

Eligibility

Documents the bank lists

Related official documents

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Loan repayment estimate

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Complete rates, limits and schedules

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