Cent- Credit Guarantee Scheme for Exporters (Cent -CGSE).

Purpose: To provide credit assistance to eligible exporters (both direct and indirect), including eligible Micro, Small and Medium Enterprise (MSME) exporters and non MSME exporters affected by trade tariffs.

Eligibility:

 i. Direct exporters

1. MSME units with at least 5 per cent of their turnover through exports
2. Other units (non-MSME), with at least 20 per cent of their turnover through exports.

(Sectors and countries that will be considered to assess the above-mentioned percentage of turnover is defined in Annexure 1.)

ii. Indirect exporters

1. MSME units who supply at least 30 per cent of their total turnover to the units mentioned in (i) above

Note: Exports in the Drug and Pharmaceuticals, Electronics, and Petroleum sectors are not impacted by the recent US tariff hikes and will thereof be excluded from CGSE eligibility. However, this list will be updated as and when US imposes tariffs on new sectors or withdraws tariffs from existing ones.

iii. Condition mentioned in point (i) & (ii) above may be satisfied with respect to either of the previous two financial years viz. FY24 and FY25.

iv. In case of MSME, they should have a valid Udyam Registration Number.

v. The borrower classified under the direct exporter category must have active export working capital limits and those classified under indirect category should have active working capital limits with an eligible Member Lending Institution at the time of sanction/disbursement of this loan.

vi.The accounts of the eligible borrowers should be in Standard category (excluding SMA-2 accounts), i.e. not exceeding 60 days overdue across all lenders, as verified through Credit Bureau report) as on September 30, 2025, and not an NPA as on the date of sanction/disbursement of facility.

Nature of Facility: Term loan/Working capital term loan.

Quantum of finance:

a) Direct USA exporters: Up to 20 per cent of sanctioned export working capital limits (fund based and non-fund based).

(b) Indirect USA exporters: Up to 20 per cent of the sanctioned working capital limits (fund based and non-fund based)

(ii) Maximum Loan Amount: ₹50 crore per borrower (in rupee currency only) from all the lender banks.

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.

Interest Rate: Attractive and competitive Interest.

• Minimum Rate of Interest for MSME -Repo Rate i.e 5.25%.
• Minimum Rate of Interest for None- MSME -MCLR overnight.        

Repayment period and instalment:

Repayable in 36 EMI commencing one year after first disbursement.

Security: -

Primary Security: -

(i) The Bank shall hold charge on the primary securities (existing and proposed under the Scheme) and on existing collateral securities on behalf of NCGTC and shall ensure that necessary documentation in this regard is done prior to disbursement.

(ii) No additional collateral shall be sought for additional funding under the Scheme.

(iii) No fresh personal/ corporate guarantee or extension of existing personal/corporate guarantee be obtained.

(iv) The facility sanctioned under the Scheme shall rank second charge with the existing credit facilities in terms of cash flows (including repayments) and security, with charge on assets to be created by the Bank.

Guarantee: 100% guarantee cover available from NCGTC on the outstanding amount on the date of NPA or date of lodgement of claim whichever is lower.

Guarantee Fee:

No guaranteed fee.