National Credit Guarantee Trustee Company (NCGTC)

तय करें कि आपको वास्तव में क्या चाहिए

• मौजूदा व्यवसाय के लिए working-capital क्रेडिट: जिस बैंक या NBFC से आप पहले से उधार लेते हैं, उससे पूछें कि क्या वह ECLGS 5.0 के तहत अतिरिक्त क्रेडिट देता है। यह योजना उन उधारकर्ताओं के लिए है जिनकी 31 मार्च 2026 तक working-capital सीमाएँ थीं।
• एक माइक्रो व्यवसाय के लिए छोटा ऋण, MUDRA ऋण सहित: लेंडर से पूछें कि क्या यह ऋण Credit Guarantee Fund for Micro Units से कवर हो सकता है।
• DPIIT-मान्यता प्राप्त स्टार्टअप के लिए ऋण: लेंडरों से Credit Guarantee Scheme for Startups के बारे में पूछें, और वर्तमान शर्तें Startup India वेबसाइट पर जाँचें, क्योंकि NCGTC का अपना पेज हमारे लिए उपलब्ध नहीं था।

व्यवहार में यह कैसे काम करता है

• आप NCGTC के पास आवेदन नहीं करते। आप ऋण के लिए बैंक, NBFC या किसी अन्य लेंडर के पास आवेदन करते हैं, और लेंडर NCGTC से गारंटी के लिए आवेदन करता है।
• गारंटी लेंडर की सुरक्षा करती है, आपकी नहीं। ऋण आपको ही चुकाना है, और लेंडर ही तय करता है कि ऋण देना है या नहीं।
• पूछें कि क्या लेंडर उस योजना में भाग लेता है जिसे आप चाहते हैं, क्योंकि कवर लेंडर को जारी होता है।

लेंडर कैसे तय करते हैं

• NCGTC का मार्गदर्शन कहता है कि लेंडर व्यवसाय की व्यवहार्यता और दस्तावेज़ों की पर्याप्तता के आधार पर आवेदन अस्वीकार कर सकते हैं। आवेदन से पहले अपने वित्तीय रिकॉर्ड और व्यवसाय के दस्तावेज़ तैयार रखें।
• ECLGS 5.0 के तहत लेंडर के साथ आपका खाता standard होना चाहिए, यानी अतिदेय न हो और bad loan के रूप में वर्गीकृत न हो। पहले कोई भी बकाया राशि चुका दें।
• Startup India के विवरण के अनुसार स्टार्टअप के पास DPIIT मान्यता होनी चाहिए और वह चूक में नहीं होना चाहिए।

किस पर ध्यान रखें

• ECLGS 5.0 उन ऋणों को कवर करती है जो उस तारीख़ से स्वीकृत हुए हैं जब NCGTC अपने दिशानिर्देश जारी करती है, और 31 मार्च 2027 तक के हैं। लेंडर से पूछें कि उसने इस योजना के तहत स्वीकृतियाँ शुरू की हैं या नहीं।
• पात्रता आपकी सीमाओं और क्रेडिट सुविधाओं पर निर्भर है जैसी वे 31 मार्च 2026 को थीं, इसलिए जिस व्यवसाय ने उस तारीख़ के बाद अपनी पहली क्रेडिट लाइन ली, वह पात्र न हो।

The National Credit Guarantee Trustee Company Limited (NCGTC) is a company wholly owned by the Department of Financial Services, Ministry of Finance, Government of India. It is not a lender and it does not give grants. It manages credit guarantee funds and schemes, which means it stands behind loans that banks, NBFCs and other lenders make, so that borrowers can get credit without collateral or a third-party guarantee. Its registered office is in Bandra Kurla Complex, Mumbai.

What NCGTC does

NCGTC was set up under the Companies Act, 1956 to act as a common trustee company that manages and operates several credit guarantee trust funds. In its own disclosure under the Right to Information Act, it says it has no subsidy programmes and no plans for lending of its own. It describes itself as the nodal agency for implementing and managing the Government of India's credit guarantee schemes.

A guarantee works on the lender's side. If a borrower defaults on a loan that the scheme covers, the guarantee pays the lender part of the amount in default. That lowers the risk a bank takes when it lends to a small business that has no property to pledge.

Why a founder cannot apply to NCGTC

Guarantee cover is issued to the lending institution, not to the borrower. NCGTC calls these lenders Member Lending Institutions. A borrower approaches a lender for the loan, and the lender decides whether to request cover for it. Lenders request cover on NCGTC's online system for lenders, called SURGE.

The lender also keeps its own judgement. NCGTC's guidance for the micro-loan fund says the lender may choose whether to entertain an application, based on the viability of the business and the documents provided. A scheme being available does not mean your lender must use it.

Schemes that matter to small businesses and startups

ECLGS 5.0 is the Emergency Credit Line Guarantee Scheme in its fifth version. Under it, NCGTC gives guarantee cover to lenders on additional credit extended to eligible borrowers. Eligible borrowers are MSMEs and non-MSMEs that had existing working-capital limits on 31 March 2026, and scheduled passenger airlines with outstanding credit facilities on that date. Their accounts must be standard. The scheme applies to loans sanctioned from the date NCGTC issues its guidelines until 31 March 2027. The additional credit is limited to a share of the borrower's peak working-capital use in the last quarter of FY 2025-26, with a cap per borrower. No guarantee fee is charged under the scheme. Cover is complete for MSMEs and partial for other borrowers. Earlier versions of the scheme, 1.0 to 4.0, closed on 31 March 2023.

The Credit Guarantee Fund for Micro Units (CGFMU) is a trust fund set up by the Government of India and managed by NCGTC as trustee. It guarantees payment against default on micro loans made by banks, NBFCs, microfinance institutions and other financial intermediaries, including loans under the Pradhan Mantri MUDRA Yojana. It covers new and existing micro units in manufacturing and services, including retail trade, and loans for allied agricultural activities. Purely agricultural loans are not covered. Larger loans within the scheme's ceiling are open only to borrowers who earlier took and repaid a loan in the Tarun category. A guarantee fee applies to the sanctioned amount, and the lender bears the first portion of any loss.

The Credit Guarantee Scheme for Startups (CGSS) is described on the Startup India website as giving guarantee cover, through NCGTC as trustee, to lending institutions that finance DPIIT-recognised startups. The same page lists scheduled banks, NBFCs and venture debt funds under SEBI-registered AIFs as lenders and says the startup is not in default. We could not read NCGTC's own page for this scheme, so check the current terms with the lender or on the Startup India site.

Scale

The Department of Financial Services reports that about 11.9 million guarantees were issued under ECLGS 1.0 to 4.0 before those versions closed on 31 March 2023. It publishes a separate running table for ECLGS 5.0.

Who runs it

NCGTC is a wholly owned company of the Department of Financial Services, Ministry of Finance, Government of India.

Where it is based

NCGTC's disclosure gives its registered office as Swavalamban Bhavan, C-11, G Block, Bandra Kurla Complex, Bandra (East), Mumbai, 400051. That document is undated, so confirm the address before sending anything by post.