**Executive Summary**
The Credit Guarantee Scheme for Exporters (CGSE), effective December 1, 2025, aims to support MSME and non-MSME exporters by providing 100% government guarantee for additional loan facilities. The scheme facilitates liquidity, market diversification, and employment. It is open until March 31, 2026, or until guarantees of value up to ₹20,000 crores are issued.
**Key Points / Main Content**
* **Scheme Overview:**
* The Credit Guarantee Scheme for Exporters (CGSE) is operational through the Jan Samarth Portal.
* The scheme is implemented by the Department of Financial Services (DFS) through the National Credit Guarantee Trustee Company Limited (NCGTC).
* It enables banks and financial institutions (Member Lending Institutions – MLIs) to extend financial assistance to exporters.
* **Financial Provisions:**
* The scheme envisages collateral-free credit support up to ₹20,000 crore to direct and indirect exporter MSMEs through eligible MLIs.
* The government will provide a 100% guarantee for the additional loan facility.
* The working capital loan amount is equivalent to up to 20% of the existing export credit/working capital limits.
* **Timeline and Progress:**
* The scheme has been operational since December 1, 2025.
* As of December 31, 2025, 1,788 applications amounting to ₹8,599 crores were received, with 716 applications sanctioned, amounting to ₹3,141 crores.
* The scheme is open until March 31, 2026, or until guarantees of value up to ₹20,000 crores are issued.
* **Objectives:**
* Provide a credit guarantee to exporters and MSMEs.
* Facilitate additional credit.
* Provide liquidity.
* Ensure business continuity and create opportunities to expand into new markets.
* Help MSMEs develop capabilities and enhance global competitiveness.
* Support diversification into new and emerging markets.
**Impact Analysis**
**MSME and Non-MSME Exporters**
* *Impact:* Benefit from additional credit support, improved liquidity, and enhanced opportunities for market diversification and global competitiveness.
* *Action Required:* Apply for additional collateral-free credit support through eligible Member Lending Institutions (MLIs).
**Member Lending Institutions (MLIs)**
* *Impact:* Enabled to extend additional financial assistance to Indian exporters.
* *Action Required:* Facilitate the loan application and sanctioning process for exporters under the CGSE scheme.
**Government**
* *Impact:* Achieve increased exports, supported industries and employment.
* *Action Required:* Provide 100% loan guarantees under the scheme.
Key Entities Referenced
Credit Guarantee Scheme for Exporters (CGSE): Scheme providing credit guarantees to exporters, especially MSMEs, to enhance liquidity and market diversification.
Department of Financial Services (DFS): The department implementing the CGSE scheme.
Jan Samarth Portal: Portal through which the Credit Guarantee Scheme for Exporters (CGSE) is made operational.
National Credit Guarantee Trustee Company Limited (NCGTC): Entity through which the Department of Financial Services (DFS) is implementing the CGSE scheme.
Ministry of Finance
Credit Guarantee Scheme for Exporters (CGSE)
made operational through Jan Samarth Portal
w.e.f. 1 December 2025
Applications amounting to over ₹8,500 crores and sanctions
of over ₹3,100 crores received within first month
Scheme benefits MSME and non-MSME exporters by
supporting liquidity, market diversification and employment
Government to provide 100% guarantee for additional loan
facility under the scheme
प्रव तथ: 01 JAN 2026 8:03PM by PIB Delhi
Exports being a critical pillar of the Indian economy, account for nearly 21% of GDP and robust foreign
exchange inflows. With over 45 million people being directly and indirectly employed under the export
oriented industries, the MSMEs contribute nearly 45% of total exports. Such a sustained export growth
has been instrumental in supporting India’s current account balance and macroeconomic stability.
The Credit Guarantee Scheme for Exporters (CGSE) being implemented by the Department of Financial
Services, has been made operational since 01.12.2025 enabling banks and financial institutions (Member
Lending Institutions – MLIs) to extend additional financial assistance to Indian exporters during a period
of uncertain headwinds. Further, the measure shall diversify export markets and enhance their global
competitiveness. The objective of this proactive intervention is to provide a credit guarantee for exporters
and MSMEs which will facilitate additional credit for them. This will thereby provide liquidity, ensure
business continuity and create opportunities to expand into new markets.
The scheme envisages additional collateral-free credit support of upto ₹20,000 crore to direct and indirect
exporter MSMEs through eligible MLIs. As on 31.12.2025, 1,788 applications amounting to Rs 8,599
crores have been received, of which, a total of 716 applications have been sanctioned amounting to ₹3,141
crore which reflects a strong confidence among our exporters and MSMEs.
With a working capital loan amount equivalent upto 20% of their existing export credit / working capital
limits, the scheme will facilitate exporters and MSMEs to develop capabilities and enhance their global
competitiveness as well as take steps towards diversification into new and emerging markets. By
facilitating the liquidity of these entities, the scheme expects to ensure continuity of business operations
and sustain employment.CGSE scheme is open till 31.03.2026 or until guarantees of value upto ₹ 20,000 crores are issued. The
scheme is being implemented by Department of Financial Services (DFS) through National Credit
Guarantee Trustee Company Limited (NCGTC).
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