Emergency Credit Line Guarantee Scheme (ECLGS) 5.0

The Government approved the Emergency Credit Line Guarantee Scheme (ECLGS) 5.0 on May 5, 2026, to provide targeted credit guarantee support to MSMEs, eligible non-MSME businesses, and scheduled passenger airlines affected by external disruptions. Implemented by the National Credit Guarantee Trustee Company (NCGTC) through Member Lending Institutions, the scheme aims to facilitate an additional credit flow of up to ₹2.55 lakh crore. It offers government-backed credit guarantees, regulated interest rates, and loan tenures with moratoriums. Accessible via the Jan Samarth Portal, ECLGS 5.0 builds upon earlier phases launched during the COVID-19 pandemic to improve enterprise liquidity, preserve employment, and strengthen supply chains.