S N

Parameter

Guidelines

1

Purpose

To provide guarantee coverage for credit assistance to eligible exporters (both direct and indirect), including eligible Micro, Small and Medium Enterprise (MSME) exporters.

2

Date of commencement of the Scheme

The guidelines shall come into force from 19.11.2025 (the date of issue of these guidelines by NCGTC). All eligible loans sanctioned on or after the date of announcement shall be eligible for coverage under the Scheme.

3

Quantum

1. Direct exporters: Upto 20 per cent of sanctioned export working capital limits (fund based and non-fund based).
2. Indirect exporters: Upto 20 per cent of the sanctioned working capital limits (fund based and non-fund based)
3. Maximum Loan Amount: ₹50 crore per borrower across all Banks/Fis (in rupee currency only). Working capital limits (i.e. Export working capital limits for Direct exporters; Domestic working capital limits for indirect exporters) existing on September 30, 2025 to be considered for the calculation of proposed facility.

4

Tenor

4 years fixed, including 1 year moratorium.

5

Interest Rate

Maximum ROI capped at 10% p.a., subject to Bank’s pricing policy.

6

Duration of the Scheme

The scheme would be available from the date of announcement of the Scheme till issue of guarantees for loans amounting to Rs.20,000 crore or 31.03.2026, whichever is earlier.

7

Security

1. Charge on the primary securities (existing and proposed under the Scheme) and on existing collateral securities on behalf of NCGTC.
2. No additional collateral shall be sought for additional funding under the Scheme.
3. No fresh personal/ corporate guarantee or extension of existing personal/corporate guarantee be obtained.