National Credit Guarantee Trustee Company Limited (NCGTC) plays a vital role in driving inclusive growth by enabling access to institutional credit for unserved and deserving segments of the economy. Credit Guarantee support available through our Member Lending Institutions (MLIs) enables the borrowers and businesses to avail formal credit without the burden of traditional collateral requirements.
As an umbrella organisation, NCGTC continues to expand its role by managing multiple trust funds and implementing focused Credit Guarantee Schemes. At present, we are managing 20 Credit Guarantee Schemes pertaining to 8 Ministries of Government of India. Since inception, we have cumulatively issued 6.55 crore credit guarantees amounting to ₹ 14.82 lakh crore.
Major on-going schemes include Credit Guarantee Fund for Micro Units (CGFMU), Credit Guarantee Fund Scheme for Education Loans (CGFEL) and Mutual Credit Guarantee Scheme for MSMEs (MCGS-MSME). Recently, we have started implementing Guarantee Scheme for Exporters (CGSE) - providing 100% guarantee coverage to eligible exporters and Credit Guarantee Scheme for Microfinance Institutions – 2.0 (CGSMFI - 2.0) - supporting finance to small borrowers through NBFC-MFIs/MFIs. Under Emergency Credit Line Guarantee Scheme (ECLGS 5.0) announced by Government of India in May 2026, formal credit of ₹ 2.50 lakh crore could be sanctioned to businesses, enabling them to tide over the liquidity mismatches arising out of the global crisis.
Technology remains central to efficient and transparent issuance of guarantees and settlement of claims. Accordingly, one of our priorities is to keep our B2B platform robust and agile. As we expand, we continuously strive to strengthen our systems and capabilities, so that we can continue delivering greater value to the stakeholders.
Our initiatives aim to improve liquidity, support businesses, foster financial inclusion and to build confidence across the financial ecosystem. In the coming years, NCGTC shall remain committed to strengthening India's financial ecosystem through enhancing access to finance.
