RBL Bank Limited
RBL Bank runs the India Startup Club for startup banking and partner credits, and lends to small firms under government-backed credit guarantees.
RBL Bank Limited at a glance
| Address | Maharashtra, India |
|---|---|
| Programmes | 3 standing programmes |
| Official website | www.rbl.bank.in |
Programs RBL Bank Limited supports
Programs this organisation funds, run by others. · 1 open now · 0 past
Which RBL Bank Limited programme fits you
3 programmes compared by who they are for, the stage they accept, how long they run and what they cost.
| Programme | Best for | Stage | Duration | Format | Cost |
|---|---|---|---|---|---|
| India Startup Club | Startups and entrepreneurs who bank with RBL | — | — | — | — |
| Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) | Micro and small enterprises that need a bank loan without collateral | — | — | — | — |
| Emergency Credit Line Guarantee Scheme (ECLGS) 5.0 | Existing business borrowers with working capital limits from a member lender | — | 5 years including a 1-year moratorium (MSMEs and non-MSMEs, excluding airlines) | — | — |
Programmes they run
Standing programmes at RBL Bank Limited, separate from the funding calls above.
India Startup Club
PlatformA startup banking club with a startup business account, a member debit card, partner credits and access to exclusive club branches.
Best for: Startups and entrepreneurs who bank with RBL
What you get, who can apply and how to applyHide details
The India Startup Club is RBL Bank's offer for startups. Members get a startup business account, a dedicated debit card and access to partner benefits.
What you get
- A startup business account with mobile banking
- A dedicated debit card for members
- Partner credits across a suite of Freshworks software products
- Access to exclusive club branches, booked by email
Who can apply
- Startups and entrepreneurs who bank with RBL
How to apply: Join the India Startup Club through RBL Bank. For club branch bookings, write to isc@rbl.bank.in.
A Government of India and SIDBI credit guarantee that supports collateral-free loans to micro and small enterprises through a bank.
Best for: Micro and small enterprises that need a bank loan without collateral
What you get, who can apply and how to applyHide details
CGTMSE is a Government of India and SIDBI initiative that gives collateral-free credit guarantees to micro and small enterprises. RBL Bank describes it as a guarantee that supports lending to these businesses. The CGS-I scheme under CGTMSE covers credit facilities sanctioned without primary security, and partial collateral is allowed under a hybrid model, with the guarantee covering the unsecured portion.
Who can apply
- Micro and small enterprises that are not in default or classified as NPA with any lender
- Entrepreneurs in aspirational or credit-deficient districts, and in J&K and Ladakh UTs, are listed as a category under CGS-I
How to apply: Apply for the loan at RBL Bank. The guarantee is given to the bank, not to the borrower.
Emergency Credit Line Guarantee Scheme (ECLGS) 5.0
Credit guaranteeA government-backed guarantee on emergency working-capital credit for existing borrowers, open until March 31, 2027.
Best for: Existing business borrowers with working capital limits from a member lender
- 5 years including a 1-year moratorium (MSMEs and non-MSMEs, excluding airlines)
What you get, who can apply and how to applyHide details
ECLGS 5.0 provides government-backed credit support to eligible MSMEs, non-MSMEs and airlines to address short-term liquidity needs. It is run by the National Credit Guarantee Trustee Company and is a guarantee given to the lending bank, so the borrower applies to RBL Bank.
Who can apply
- Businesses, including MSMEs, with fund-based working capital limits from a member lender as on March 31, 2026
- Credit facilities classified as standard, excluding SMA-2, as on March 31, 2026
- MSMEs need a UDYAM registration or Udyam Assist Certificate
How to apply: Applications are made through the JanSamarth portal, which is administered by PSB Alliance. The scheme runs until March 31, 2027.
How to apply to RBL Bank Limited
Choosing the right route
- If you want a startup bank account and partner perks, the India Startup Club is the route to look at.
- If you need a loan and have no collateral to offer, ask RBL about the CGTMSE and CGS-I guarantee cover.
- If you already borrow from a member lender and need emergency working capital, check whether ECLGS 5.0 applies to you. It runs until March 31, 2027.
What lenders check
- The guarantee schemes require that the borrower is not in default and not classified as NPA with any lender.
- ECLGS 5.0 looks at your existing fund-based working capital limits and their classification as on March 31, 2026, and MSMEs need a UDYAM registration or Udyam Assist Certificate.
- Loan terms, including the interest rate and repayment schedule, are set by the bank.
About RBL Bank Limited
RBL Bank Limited is a bank operating in India. Founders reach it in two main ways: through the India Startup Club, a set of startup banking services and partner benefits for its customers, and through government-backed credit guarantee schemes that support loans to micro and small enterprises with little or no collateral.
How the programmes work
The India Startup Club gives members a startup business account, a dedicated debit card and partner credits. The partner benefits include credits across a suite of Freshworks software products. Members can also book space at the club's exclusive branches by writing to the club's inbox.
The credit guarantee schemes work differently. The loan comes from the bank, and a government trust guarantees part of it. The Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) is a Government of India and SIDBI initiative that gives collateral-free guarantees to micro and small enterprises. Its CGS-I scheme allows credit to be sanctioned without primary security, and partial collateral is allowed under a hybrid model. The Emergency Credit Line Guarantee Scheme (ECLGS) 5.0 is a separate, time-limited scheme that supports existing borrowers with emergency working capital.
Who can apply
The India Startup Club is open to startups and entrepreneurs who bank with RBL. The CGTMSE and CGS-I schemes are for micro and small enterprises that are not in default or classified as NPA with any lender, and CGS-I also covers entrepreneurs in aspirational and credit-deficient districts. ECLGS 5.0 is for businesses that already held fund-based working capital limits from a member lender as on March 31, 2026, with a standard account classification.
How to apply
Join the India Startup Club through the bank. To book a club branch visit, write to isc@rbl.bank.in with the location, date and time in the subject line. For the credit guarantee schemes, apply for the loan at RBL Bank. ECLGS 5.0 applications must be made through the JanSamarth portal, which is administered by PSB Alliance.
Who they work with
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Frequently asked questions about RBL Bank Limited
What is RBL Bank Limited?
RBL Bank Limited is a corporate based in Maharashtra.
What does RBL Bank Limited do?
RBL Bank Limited is a bank operating in India. Founders reach it in two main ways: through the India Startup Club, a set of startup banking services and partner benefits for its customers, and through government-backed credit guarantee schemes that support loans to micro and small enterprises with little or no collater…
Where is RBL Bank Limited located?
RBL Bank Limited is based in Maharashtra, India.
What programs does RBL Bank Limited run?
RBL Bank Limited runs India Startup Club, Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) and Emergency Credit Line Guarantee Scheme (ECLGS) 5.0.
How do I apply to RBL Bank Limited?
- If you want a startup bank account and partner perks, the India Startup Club is the route to look at. - If you need a loan and have no collateral to offer, ask RBL about the CGTMSE and CGS-I guarantee cover. - If you already borrow from a member lender and need emergency working capital, check whether ECLGS 5.0 applies to you. It runs until March 31, 2027.
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