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Emergency Credit Line Guarantee Scheme 5.0 (ECLGS 5.0)

ECLGS 5.0 working-capital term loan for existing borrowers facing West Asia-conflict liquidity stress, with up to 20% of FY2025-26 peak fund-based working capital (₹100 crore cap) or up to 100% for airlines (₹1,500 crore cap).

Quantum of financeMSME/non-MSME (except airlines): up to 20% of peak fund-based working-capital outstanding in Q4 FY2025-26, capped at ₹100 crore per borrower across MLIs. Airline sector: up to 100% of peak total credit outstanding (fund and non-fund based), capped at ₹1,500 crore; the ₹1,000–₹1,500 crore portion requires equal promoter/owner equity.Interest rateMSMEs: EBLR + 0.75%, capped at 9% p.a.; non-MSMEs: 3-month MCLR + 0.75%, capped at 9% p.a. (airline pricing follows the lender's board-approved policy)Customer typeExisting MSME and non-MSME borrowers with Standard (not SMA-2) fund-based working-capital facilities on 31 March 2026; scheduled passenger airline borrowers have a separate band
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Quick eligibility check

Emergency Credit Line Guarantee Scheme 5.0 (ECLGS 5.0)

0 of 8 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: Existing MSME and non-MSME borrowers with Standard (not SMA-2) fund-based working-capital facilities on 31 March 2026?

Published source: Customer type

2Do you meet this requirement: scheduled passenger airline borrowers have a separate band?

Published source: Customer type

3Do you meet this requirement: JanSamarth self-declared application?

Published source: Required documents

4Do you meet this requirement: Existing borrowers with Standard (not SMA-2) fund-based working-capital exposure on 31 March 2026, not NPA at sanction/disbursement?

Published source: Eligibility and exclusions

5Do you meet this requirement: non-MSME negative list includes NBFCs, power, telecom, sugar/ethanol, IT, paper, educational institutions, most beverages and tobacco?

Published source: Eligibility and exclusions

6Document checkDo you have at least one of these required documents: JanSamarth self-declared application; sanction letter; Q4 FY2025-26 existing-facility loan ledger; scheme-facility ledger through claim; credit-bureau evidence of 31 March 2026 status; legal-action evidence and management certificate for claims. Udyam registration or Udyam Assist Certificate is accepted for MSME status?

Published source: Required documents

7Document checkDo you have this required document or proof: for a claim, sanction letter, Q4 FY2025–26 existing-facility ledger, scheme-facility ledger through claim, credit-bureau evidence of 31 March 2026 status, legal-action evidence and management certificate are required?

Published source: Required documents

8Document checkDo you have this required document or proof: Udyam/Udyam Assist proof is accepted for MSME status?

Published source: Required documents
0 of 8 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 4 Sept 2026 · active
Offered byState Bank of India

India; application through home branch or JanSamarth

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 MSME and non-MSME borrowers with Standard (not SMA-2) fund-based working-capital facilities on 31 March 2026; scheduled passenger airline borrowers have a separate bandEffective 4 Jun 2026View source
All borrowers ( and non-) must have fund-based working-capital limits in Standard Category excluding SMA-2 as on 31.03.2026; borrower must not be at sanction/disbursement.
Source
ECLGS 5.0 — official product page
Page / section
Eligibility
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
Turnover / vintageNo turnover or business-vintage threshold is published; the eligibility test uses existing-borrower status, Standard classification and peak Q4 FY2025-26 working-capital outstandingEffective 22 May 2026View source
The defines eligibility and funding by existing facilities and peak utilization in FY2025-26; it does not publish a turnover or vintage threshold.
Source
ECLGS 5.0 — official
Page / section
pages 1–3 — eligibility and peak working-capital definition
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
Quantum of financeMSME/non-MSME (except airlines): up to 20% of peak fund-based working-capital outstanding in Q4 FY2025-26, capped at ₹100 crore per borrower across MLIs. Airline sector: up to 100% of peak total credit outstanding (fund and non-fund based), capped at ₹1,500 crore; the ₹1,000–₹1,500 crore portion requires equal promoter/owner equity.Effective 22 May 2026View source
Funding is up to 20% of peak fund-based working-capital outstanding, maximum ₹100 crore, or for airlines up to 100% of peak total credit, maximum ₹1,500 crore with equal equity above ₹1,000 crore.
Source
ECLGS 5.0 — official
Page / section
page 1 — maximum eligible loan
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
Interest rateMSMEs: EBLR + 0.75%, capped at 9% p.a.; non-MSMEs: 3-month MCLR + 0.75%, capped at 9% p.a. (airline pricing follows the lender's board-approved policy)Effective 4 Jun 2026View source
are priced at +0.75% with a maximum 9% p.a.; non- at 3M +0.75% with a maximum 9% p.a.
Source
ECLGS 5.0 — official product page
Page / section
Rate of Interest
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
FacilityWorking Capital Term LoanEffective 4 Jun 2026View source
Nature of Facility: Working Capital Term Loan.
Source
ECLGS 5.0 — official product page
Page / section
Nature of Facility
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
RepaymentMSME/non-MSME except airline: 5 years from first disbursement including 1-year moratorium; airline sector: 7 years including 2-year moratoriumEffective 4 Jun 2026View source
Repayment is five years including one-year moratorium for /non- and seven years including two-year moratorium for airlines.
Source
ECLGS 5.0 — official product page
Page / section
Repayment
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
MarginNil for MSME and non-MSME facilities; airline-sector margin is not stated on the reviewed SBI pageEffective 4 Jun 2026View source
Margin: NIL (except Airline sector). No airline percentage is published on the page.
Source
ECLGS 5.0 — official product page
Page / section
Margin
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
Processing feeNilEffective 4 Jun 2026View source
Processing Charges: Nil.
Source
ECLGS 5.0 — official product page
Page / section
Charges
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
PrepaymentNil pre-payment penaltyEffective 22 May 2026View source
No pre-payment penalty should be charged on early repayment of the loan under the scheme.
Source
ECLGS 5.0 — official
Page / section
page 3 — prepayment penalty
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
SecurityNo fresh collateral, personal or corporate guarantee for MSME/non-MSME facilities (except airline terms); facility ranks second charge on existing primary/collateral securities and assets created from the loan, with charge created within 90 days of first disbursementEffective 22 May 2026View source
No fresh collateral/personal/corporate guarantee is sought for /non- facilities; the scheme facility ranks second charge and charge is created within 90 days.
Source
ECLGS 5.0 — official
Page / section
pages 2–3 — collateral and security
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
GuaranteeNCGTC guarantee with nil guarantee fee: 100% coverage for MSMEs and 90% for non-MSMEs and airlinesEffective 4 Jun 2026View source
Covered by with NIL Guarantee fee; coverage is 100% for and 90% for Non-.
Source
ECLGS 5.0 — official product page
Page / section
Guarantee
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
Other chargesNilEffective 4 Jun 2026View source
Other Charges: Nil.
Source
ECLGS 5.0 — official product page
Page / section
Charges
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
Required documentsJanSamarth self-declared application; for a claim, sanction letter, Q4 FY2025–26 existing-facility ledger, scheme-facility ledger through claim, credit-bureau evidence of 31 March 2026 status, legal-action evidence and management certificate are required; Udyam/Udyam Assist proof is accepted for MSME statusEffective 22 May 2026View source
The specifies the JanSamarth application and lists the documents to accompany an interim claim; it accepts Udyam Registration or Udyam Assist Certificate for status.
Source
ECLGS 5.0 — official
Page / section
pages 4–5 and 8–9 — application, claims and proof
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
AvailabilityIndia; apply through the SBI home branch or JanSamarth portalEffective 4 Jun 2026View source
To apply, contact the Home Branch or use JanSamarth.
Source
ECLGS 5.0 — official product page
Page / section
Application route
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
Eligibility and exclusionsExisting borrowers with Standard (not SMA-2) fund-based working-capital exposure on 31 March 2026, not NPA at sanction/disbursement; non-MSME negative list includes NBFCs, power, telecom, sugar/ethanol, IT, paper, educational institutions, most beverages and tobaccoEffective 22 May 2026View source
The requires existing Standard (excluding SMA-2) exposure at the reference date, excludes new borrowers and lists the non- negative-sector list.
Source
ECLGS 5.0 — official
Page / section
pages 1–3 — objective, eligibility and negative list
Accessed
4 Sept 2026
Confidence
high
Open official source ↗

Benefits and features

  • Working-capital term loan for existing borrowers
  • No processing fee, prepayment penalty or other charge
  • Interest capped at 9% p.a. for bank lending
  • 100% guarantee for and 90% for non-/airlines
  • No fresh collateral/personal/corporate guarantee for /non- facilities (airline security follows scheme terms)

Eligibility

  • Borrower must have regular fund-based working-capital exposure classified Standard (excluding SMA-2) across lenders on 31 March 2026 and must not be at sanction/disbursement.
  • Only existing borrowers on the MLI books at the 31 March 2026 reference date are eligible; ad-hoc, temporary and one-time limits do not count toward peak working-capital eligibility.
  • For non-, , power, telecom, sugar/ethanol, IT, paper, educational, most beverage and tobacco activities are on the negative list, subject to the published proportionate-turnover rule.

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

Documents the bank lists

  • JanSamarth self-declared application; sanction letter; FY2025-26 existing-facility loan ledger; scheme-facility ledger through claim; credit-bureau evidence of 31 March 2026 status; legal-action evidence and management certificate for claims. Udyam registration or Udyam Assist Certificate is accepted for status.

Related official documents

ECLGS 5.0 — official FAQ (updated through 22 May 2026)official-pdf · current · accessed 4 Sept 2026
↗
ECLGS 5.0 — official SBI product pageofficial-product-page · current · accessed 4 Sept 2026
↗

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Loan repayment estimate

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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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Reference borrower · / non- (except airline)Existing Standard fund-based WC borrower on 31 March 2026; not at sanction/disbursement

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

Source: ECLGS 5.0 — official product page · Purpose through Guarantee Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 9 rows · 3 columnsECLGS 5.0 — published termsCurrent SBI page and FAQ terms for ECLGS 5.0.View tableHide table

Scroll sideways to view every column

ECLGS 5.0 — published terms
Item / non- (except airline)Airline sector
Reference borrowerExisting Standard fund-based WC borrower on 31 March 2026; not at sanction/disbursementExisting eligible airline borrower
QuantumUp to 20% of FY2025–26 peak fund-based WC outstanding; maximum ₹100 croreUp to 100% of FY2025–26 peak total credit outstanding; maximum ₹1,500 crore; equal equity above ₹1,000 crore
FacilityWorking Capital Term LoanWorking Capital Term Loan
Repayment5 years including 1-year moratorium7 years including 2-year moratorium
MarginNilPage does not publish a percentage
Interest + 0.75%, maximum 9% p.a. for ; 3M + 0.75%, maximum 9% p.a. for non-Board-approved lender policy
ChargesProcessing nil; prepayment nil; other charges nilProcessing nil; prepayment nil; other charges nil
SecurityNo fresh collateral/personal/corporate guarantee; second charge on existing and created assets within 90 daysScheme-specific security terms
Guarantee; 100% coverage; nil fee; 90% coverage; nil fee
  • Last updated on page: 4 June 2026. updated through 22 May 2026.
ECLGS 5.0 — official product page · Purpose through Guarantee · accessed 4 Sept 2026Open official source ↗
Table 2 · 6 rows · 2 columnsInterim claim documentsDocuments listed in the official ECLGS 5.0 FAQ for an interim claim.View tableHide table

Scroll sideways to view every column

Interim claim documents
DocumentRequirement
Sanction letterFacility sanctioned under the Scheme
Existing-facility loan ledger FY2025–26 ledger from 1 January to 31 March 2026
Scheme-facility ledgerDate-wise outstanding balance through claim date
Credit-bureau report/dataEvidence of account status on 31 March 2026
Legal-action evidenceDocument evidencing legal action taken
Management certificateCertificate for prescribed account details
  • pays 75% of the amount in default as interim claim within 30 days when documents are complete; balance 25% follows recovery conclusion or three years from first-claim settlement, whichever is earlier.
ECLGS 5.0 — official · pages 4–6 — Claim filing and settlement · accessed 4 Sept 2026Open official source ↗

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