Credit Guarantee Scheme for Exporters (CGSE)

The Union Cabinet approved the Credit Guarantee Scheme for Exporters (CGSE) on 12 November 2025, providing collateral-free credit support of up to Rs 20,000 crore to exporters. OBJECTIVE: Provide 100% credit guarantee coverage to lending institutions for extending additional credit to eligible exporters including MSMEs. KEY FEATURES: - 100% credit guarantee by National Credit Guarantee Trustee Company (NCGTC) - Collateral-free additional working capital up to 20% of sanctioned export limits - Credit guarantee on loans up to Rs 50 crore per borrower - Interest rate capped at 1% below existing working capital rate, max 10% p.a. - Implemented by Department of Financial Services through NCGTC BENEFICIARIES: MSME and non-MSME exporters; export sector employs 45 million people, MSMEs contribute 45% of total exports BUDGET: Up to Rs 20,000 crore in credit guarantee coverage

केंद्रीय मंत्रिमंडल ने 12 नवंबर 2025 को निर्यातकों के लिए ऋण गारंटी योजना (CGSE) को मंजूरी दी, जो निर्यातकों को 20,000 करोड़ रुपये तक की संपार्श्विक-मुक्त ऋण सहायता प्रदान करती है। उद्देश्य: MSME सहित पात्र निर्यातकों को अतिरिक्त ऋण देने के लिए ऋण संस्थानों को 100% ऋण गारंटी कवरेज प्रदान करना। प्रमुख विशेषताएं: - NCGTC द्वारा 100% ऋण गारंटी - स्वीकृत निर्यात सीमा के 20% तक संपार्श्विक-मुक्त अतिरिक्त कार्यशील पूंजी - प्रति उधारकर्ता 50 करोड़ रुपये तक के ऋण पर ऋण गारंटी - ब्याज दर मौजूदा कार्यशील पूंजी दर से 1% कम, अधिकतम 10% प्रति वर्ष लाभार्थी: MSME और गैर-MSME निर्यातक बजट: 20,000 करोड़ रुपये तक की ऋण गारंटी

• Union Cabinet approved Credit Guarantee Scheme for Exporters (CGSE) on 12 November 2025 with up to Rs 20,000 crore in credit guarantee coverage
• Provides 100% credit guarantee by National Credit Guarantee Trustee Company (NCGTC) to lending institutions for extending additional credit to exporters
• Collateral-free additional working capital up to 20% of sanctioned export limits; credit guarantee on loans up to Rs 50 crore per borrower
• Interest rate capped at 1% below existing working capital rate, maximum 10% per annum
• Beneficiaries include MSME and non-MSME exporters; export sector employs 45 million people with MSMEs contributing 45% of total exports
• Implemented by Department of Financial Services through NCGTC