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- Canara
- Emergency Credit Line Guarantee Scheme 5.0
Emergency Credit Line Guarantee Scheme (ECLGS 5.0).
All business enterprises including MSMEs
To provide credit guarantee coverage of 100% to MSMEs for the default amount under additional credit facilities extended to eligible borrowers to tide over any short-term liquidity mismatches in view of West Asia crisis.
- The scheme is only for existing borrowers in our books of accounts as on 31.03.2026.
- All applications must flow through Jan Samarth portal only.
- All business enterprises including MSMEs having fund based working capital limits as on 31.03.2026.
- The account has to be Standard and not SMA 2 as on 31.03.2026 across all lenders.
- Borrowers who have availed additional credit facility under Credit Guarantee Scheme for Exporters (CGSE) are not eligible under the extant scheme upto the limit already availed under CGSE. Credit facility under ECLGS 5.0 to be sanctioned after netting off limit already availed under CGSE.
- The borrower account otherwise eligible under the scheme should not be an NPA with any lender as on the date of sanction and disbursement of loan under the subject scheme.
Working capital term loan (WCTL)
- Peak working capital utilization/ outstanding refers to the highest level of working capital usage by the borrower during Q4 FY 2025-26.
- Up to 20% of the peak fund-based working capital outstanding during the fourth quarter of FY 2025–26 (i.e. between 01.01.2026 and 31.03.2026 both days inclusive), depending on the assessed requirement of the customer for working capital.
- Maximum loan amount is capped at ₹100 crore per borrower across all MLIs.
RLLR+0.75%, subject to maximum of 9.00% per annum
Processing Charges, Guarantee fee and Prepayment Penalty: NIL
The maximum tenor of loans provided under the scheme shall be for a period of five years from the date of disbursement (including moratorium of 1 year).
31.03.2027 or till guarantees for an amount of Rs.2,55,000 crores are issued, whichever is earlier.
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Holiday List
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GREEN DEPOSIT POLICY & LENDING FRAMEWORK -
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GREEN DEPOSIT POLICY & LENDING FRAMEWORK - VERSION 4.0 -
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