Scheme Parameters
| Parameter | Details |
|---|---|
| Scheme Name | Gujarat Gramin Bank Emergency Credit Line Guarantee Scheme 5.0 (GGB ECLGS 5.0) |
| Scheme Period | Applicable to all loans sanctioned from the date of issue of guidelines by NCGTC up to 31.03.2027 or till guarantees amounting to ₹2,55,000 crore are issued, whichever is earlier. |
| Guarantee Coverage | 100% for MSMEs and 90% for Non MSMEs |
| Tenure of Guarantee Coverage | Maximum period of guarantee cover shall be co-terminus with the tenor of the loan |
| Guarantee Fee | Nil |
| Processing Fee | Nil |
| Prepayment Charges | Nil |
Eligible Borrowers
- MSMEs and non-MSMEs (Except Airline Sector) with existing working capital limits as of 31.03.2026.
- Scheduled passenger airlines having outstanding credit facilities as of 31.03.2026.
- Borrower's credit facilities should be categorized as 'standard' (excluding SMA-2) as on 31.03.2026 and non-NPA as on the date of sanction / disbursement.
Exclusions (NON-MSME Segment)
The following industries/sectors are excluded under the Non-MSME segment:
- NBFC
- Power (Generation, Transmission and Distribution)
- Telecom
- Sugar & Ethanol
- Information Technology
- Paper & Paper Products
- Educational Institutions
- Beverages (excluding Tea & Coffee) and Tobacco
Quantum of Support (Loan Amount)
- Additional credit up to 20% of peak fund-based working capital outstanding during Q4 FY 26 (capped at Rs.100 crore).
- 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.
Repayment Period
- MSMEs / Non MSMEs: 5 years from the date of first disbursement including a moratorium period of 1 year.
Rate of Interest
- MSMEs and NON MSMEs: 0.55% below BPLR (currently @ 8.75% at present, subject to change from time to time).
How to Apply
Eligible borrowers are required to apply through the official online platform:
- Jan Samarth Portal: https://jansamarth.in
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