Business, & agriculture finance

Canara Emergency Credit Line Guarantee Scheme 5.0

Additional guaranteed working-capital credit for eligible existing borrowers affected by short-term liquidity mismatches, up to 20% of peak FY2025–26 fund-based working-capital outstanding and capped at ₹100 crore.

Facility amountAdditional credit up to 20% of peak fund-based working-capital outstanding during Q4 FY 2025–26 (1 January–31 March 2026), subject to assessed need and a maximum ₹100 crore per borrower across all MLIs.RateThe reviewed ECLGS 5.0 page does not print a numeric interest rate or benchmark; the live Canara offer and prevailing scheme guidelines control pricing.Customer typeExisting Canara business enterprises and MSMEs with fund-based working-capital limits as on 31 March 2026; account must be Standard and not SMA 2 across lenders.

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✓ Manually checked 4 Sept 2026 · active

Offered byCanara Bank

India through Canara Bank and Jan Samarth portal

Key facts

What the official sources publish

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

Customer typeExisting Canara business enterprises and MSMEs with fund-based working-capital limits as on 31 March 2026; account must be Standard and not SMA 2 across lenders.View source

Complete purpose and eligible-borrower conditions reviewed.

Source: Emergency Credit Line Guarantee Scheme 5.0
Page / section: Purpose and eligibility
Accessed: 4 Sept 2026
Confidence: high

Open official source ↗

Turnover / vintageNo turnover floor is published. Existing fund-based working-capital borrowing must have been in Canara books on 31 March 2026; no NPA at sanction/disbursement and no SMA2/NPA history under the stated lender tests.View source

Complete date/status tests reviewed; no turnover criterion appears.

Source: Emergency Credit Line Guarantee Scheme 5.0
Page / section: Eligibility
Accessed: 4 Sept 2026
Confidence: high

Open official source ↗

Complete quantum and cap rows reviewed.

Source: Emergency Credit Line Guarantee Scheme 5.0
Page / section: Quantum
Accessed: 4 Sept 2026
Confidence: high

Open official source ↗

RateThe reviewed ECLGS 5.0 page does not print a numeric interest rate or benchmark; the live Canara offer and prevailing scheme guidelines control pricing.View source

Full official page reviewed; no rate row is published.

Source: Emergency Credit Line Guarantee Scheme 5.0
Page / section: Complete scheme page
Accessed: 4 Sept 2026
Confidence: high

Open official source ↗

TenureMaximum five years from disbursement, including a one-year moratorium.View source

Complete tenor row reviewed.

Source: Emergency Credit Line Guarantee Scheme 5.0
Page / section: Tenor and moratorium
Accessed: 4 Sept 2026
Confidence: high

Open official source ↗

Security / guarantee100% credit-guarantee coverage is provided for the eligible additional facility; the page does not prescribe a separate collateral margin.View source

Complete guarantee/security disclosure reviewed.

Source: Emergency Credit Line Guarantee Scheme 5.0
Page / section: Purpose and guarantee
Accessed: 4 Sept 2026
Confidence: high

Open official source ↗

FeesProcessing charges and guarantee fee are nil; prepayment penalty is nil.View source

Published nil-charge row reviewed.

Source: Emergency Credit Line Guarantee Scheme 5.0
Page / section: Charges and prepayment
Accessed: 4 Sept 2026
Confidence: high

Open official source ↗

DocumentsJan Samarth application, existing working-capital and peak-Q4 outstanding records, lender status/credit information and guarantee documentation; no separate public checklist is printed.View source

Complete official page reviewed; no separate checklist appears.

Source: Emergency Credit Line Guarantee Scheme 5.0
Page / section: Application and eligibility
Accessed: 4 Sept 2026
Confidence: medium

Open official source ↗

Geographic limitsIndia through Canara Bank; all applications must flow through the Jan Samarth portal.View source

Complete application-route disclosure reviewed.

Source: Emergency Credit Line Guarantee Scheme 5.0
Page / section: Application route
Accessed: 4 Sept 2026
Confidence: high

Open official source ↗

Benefits and features

100% guarantee coverage for eligible additional credit
Up to 20% of peak FY2025–26 working-capital outstanding
₹100 crore maximum per borrower across MLIs
Processing charge, guarantee fee and prepayment penalty nil
Up to five-year tenor including one-year moratorium
Applications via Jan Samarth only

Eligibility

Existing borrower in Canara books as on 31 March 2026 with fund-based working-capital limits, Standard status (not SMA 2) across lenders and no at sanction/disbursement. CGSE-availing borrowers are excluded up to their existing CGSE limit.

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

Documents the bank lists

Existing working-capital account and peak FY2025–26 outstanding evidence
Standard-status and lender-credit information
Jan Samarth application and guarantee documents
Working-capital requirement assessment

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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₹21,696twenty-one thousand six hundred ninety-six rupees

Interest paid over the full loan₹27,06,939twenty-seven lakh six thousand nine hundred thirty-nine rupees

Everything you repay₹52,06,939fifty-two lakh six thousand nine hundred thirty-nine 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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ECLGS 5.0 · Eligible customerExisting borrower with 31 March 2026 WC limit; Standard, not SMA2/

This value is copied from Canara credit facilities. Check the table notes before relying on it.

Source: Canara credit-facility pages · Complete facility 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 · 3 rows · 7 columnsCanara MSME credit facilitiesView tableHide table

Scroll sideways to view every column

Canara MSME credit facilities
Product	Eligible customer	Facility amount	Rate	Security / guarantee	Tenure	Fees
ECLGS 5.0	Existing borrower with 31 March 2026 WC limit; Standard, not SMA2/	20% of peak FY2025–26 WC; max ₹100 crore	Not published	100% guarantee coverage	5 years incl. 1-year moratorium	Processing, guarantee fee and prepayment nil
PSB Loans in 59 Minutes	+ 3/4/4S/5/6; exception	₹2 lakh–₹5 crore	Not published	Product-specific final policy	Not published	As per prevailing guidelines
- Manufacturing	Standard-asset manufacturing drawer; eligible company/ drawee	Need-based; no universal maximum	-linked	where eligible	Bill/ maturity dependent	As per prevailing guidelines

Canara credit-facility pages · Complete facility tables · accessed 4 Sept 2026Open official source ↗

Canara Emergency Credit Line Guarantee Scheme 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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