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Emergency Credit Line Guarantee Scheme (ECLGS)

About the Emergency Credit Line Guarantee Scheme (ECLGS)

In view of the economic distress caused by the COVID-19 pandemic, the Finance Ministry of India announced the Emergency Credit Line Guarantee Scheme (ECLGS) as a part of the ₹ 20 lakh crore comprehensive package for our existing Business Enterprises/MSMEs to build up their current assets for working capital requirement and or to meet operational liabilities and restart their business.

  • Name of the Facility - Guaranteed Emergency Credit Line (GECL)
  • Facility Type - Term Loan


  • All business enterprises/MSME borrower/Individuals accounts with combined outstanding loans across all Member Lending Institutions of up to ₹ 50 crore as on 29.02.2020 and annual turnover of up to ₹ 250 crore for FY 2019 – 20.
  • Borrower accounts should be less than 60 days past due as on 29th February 2020 in order to be eligible under the Scheme.
  • Loans provided to Business Enterprises / MSMEs /Individuals) shall be eligible under the Scheme.
  • The Scheme is valid for existing customers of TCHFL and TCFSL.
  • Business Enterprises / MSME/ Individual borrower must be GST registered in all cases where such registration is mandatory. This condition will not apply to Business Enterprises / MSMEs /Individual that are not required to obtain GST registration.
For detailed guidelines and FAQs on ECLGS, visit https://www.eclg