IND –CGSE (Credit Guarantee Scheme for Exporters)

a) MSME units with at least 5 per cent of their annual sales through US exports

b) Other units (Non-MSME), with at least 20 per cent of their annual sales through US exports.

(ii) Indirect exporters

a) MSME units who supply at least 30 per cent of their annual sales to above mentioned direct exporters.

Eligibility for (i) and (ii):
The turnover conditions must be met in either of the previous two financial years (FY24 and FY25).

List of Sectors impacted by US-tariffs are enclosed as Annexure-II

·         For indirect exporters – must have active domestic working capital limits with the Bank at the time of sanction/disbursement of this loan.

·         The borrower must not be classified as SMA-2 or above by any lender as on 30.09.2025 (i.e., should not exceed 60 days overdue) and not an NPA as on the date of sanction / disbursement.

·         Sanctioning authority must verify the borrower’s total outstanding and DPD through credit bureau checks.

·         MSMEs must possess a valid Udyam Registration Number.

·         Separate Loan account to be opened.

·         Indirect exporters: Upto 20 per cent of the sanctioned working capital limits (fund based and non-fund based)

·         Maximum Loan Amount: ₹50 crore per borrower (in rupee currency only) across all lenders.

·         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.

·         For indirect exporters, if the outstanding fund-based balance is lower than the sanctioned amount, the available WC limit shall be first utilized before extending the CGSE facility.

·         The loan to be repayable in equal monthly instalments after the moratorium period.