It allowed additional funding of up to ₹3 lakh crores to different sectors, especially micro, small and medium enterprises and MUDRA borrowers. इसने विभिन्न क्षेत्रों, विशेष रूप से सूक्ष्म, लघु और मध्यम उद्यमों और MUDRA उधारकर्ताओं को ₹3 लाख करोड़ तक की अतिरिक्त धनराशि की अनुमति दी।
As per this scheme, 100% guarantee coverage is to be provided by National Credit Guarantee Trustee Company Ltd (NCGTC) to the Member Lending Institutions (MLI), banks, financial institutions, and non-banking financial companies (NBFCs). इस योजना के अनुसार, नेशनल क्रेडिट गारंटी ट्रस्टी कंपनी लिमिटेड (NCGTC) द्वारा सदस्य ऋण देने वाली संस्थाओं (MLI), बैंकों, वित्तीय संस्थानों और गैर-बैंकिंग वित्तीय कंपनियों (NBFC) को 100% गारंटी कवरेज प्रदान किया जाना है।
Purpose – This scheme aims to provide 100% guaranteed coverage to the banks, NBFCs and other lending institutions in order to enable them to extend emergency credit to business entities that have suffered due to COVID-19 pandemic and are struggling to meet their working capital requirements. उद्देश्य – इस योजना का उद्देश्य बैंकों, एनबीएफसी और अन्य उधार देने वाले संस्थानों को 100% गारंटीकृत कवरेज प्रदान करना है ताकि वे उन व्यावसायिक संस्थाओं को आपातकालीन ऋण प्रदान कर सकें जो COVID-19 महामारी के कारण पीड़ित हैं और अपनी कार्यशील पूंजी आवश्यकताओं को पूरा करने के लिए संघर्ष कर रहे हैं। .
What is ECLGS 1.0? It was launched as a part of the ₹20 lakh crore COVID-19 relief package called the Atmanirbhar Bharat Abhiyan. The scheme aimed to provide ₹3 lakh crore worth of collateral free government guaranteed loans to micro, small and medium enterprises across India to mitigate the distress caused by the coronavirus-induced lockdown. ईसीएलजीएस 1.0 क्या है? इसे ₹20 लाख करोड़ के COVID-19 राहत पैकेज के एक भाग के रूप में लॉन्च किया गया था, जिसे आत्मनिर्भर भारत अभियान कहा जाता है। इस योजना का उद्देश्य कोरोनोवायरस-प्रेरित लॉकडाउन के कारण होने वाले संकट को कम करने के लिए पूरे भारत में सूक्ष्म, लघु और मध्यम उद्यमों को संपार्श्विक मुक्त सरकारी गारंटीकृत ऋण के रूप में 3 लाख करोड़ रुपये प्रदान करना है।
ECLGS 1.0 had a one-year moratorium period and a 4-year repayment period. Under this scheme, borrowers could avail of additional credit of up to 20% of their overall outstanding credit. The scheme was envisaged to provide collateral free and fully guaranteed credit to entities that had outstanding credit of up to ₹25 crore. ECLGS 1.0 में एक वर्ष की अधिस्थगन अवधि और 4 वर्ष की पुनर्भुगतान अवधि थी। इस योजना के तहत, उधारकर्ता अपने कुल बकाया ऋण का 20% तक अतिरिक्त ऋण प्राप्त कर सकते हैं। इस योजना की परिकल्पना उन संस्थाओं को संपार्श्विक मुक्त और पूरी तरह से गारंटीकृत ऋण प्रदान करने के लिए की गई थी, जिनके पास ₹25 करोड़ तक का बकाया ऋण था।
This scheme was valid till October 2020, but was later extended till November end. यह योजना अक्टूबर 2020 तक वैध थी, लेकिन बाद में इसे नवंबर अंत तक बढ़ा दिया गया था।
ECLGS 2.0 – In November, 2020 Finance Minister Nirmala Sitharaman announced the launch of ECLGS 2.0 by extending ₹3,00,000 crore scheme to support 26 stressed sectors identified by Kamath Committee and healthcare sector. The scheme was valid till March 31, 2021. ECLGS 2.0 - नवंबर, 2020 में वित्त मंत्री निर्मला सीतारमण ने कामथ समिति और स्वास्थ्य सेवा क्षेत्र द्वारा पहचाने गए 26 तनावग्रस्त क्षेत्रों का समर्थन करने के लिए ₹3,00,000 करोड़ की योजना का विस्तार करके ECLGS 2.0 के लॉन्च की घोषणा की। यह योजना 31 मार्च, 2021 तक वैध थी।
The tenor of the credit under ECLGS 2.0 was 5 years, including a one-year moratorium. Companies with dues of ₹50 to 500 crore were eligible, as announced by Sitharaman. ECLGS 2.0 के तहत ऋण की अवधि 5 वर्ष थी, जिसमें एक वर्ष का अधिस्थगन भी शामिल है। सीतारमण द्वारा घोषित ₹50 से 500 करोड़ के बकाया वाली कंपनियां पात्र थीं।
ECLGS 3.0 – in order to support the hospitality, travel and tourism, leisure and sporting sectors which are among those most affected by the COVID-19 pandemic, the government on March 31 widened the scope of the ₹3,00,000 crore scheme by announcing ECLGS 3.0. ECLGS 3.0 - आतिथ्य, यात्रा और पर्यटन, अवकाश और खेल क्षेत्रों का समर्थन करने के लिए जो COVID-19 महामारी से सबसे अधिक प्रभावित हैं, सरकार ने 31 मार्च को ECLGS की घोषणा करके ₹3,00,000 करोड़ की योजना का दायरा बढ़ाया 3.0।
The tenure of loans granted under ECLGS 3.0 is 6 years, including a moratorium period of 2 years. ECLGS 3.0 के तहत दिए गए ऋणों की अवधि 6 वर्ष है, जिसमें 2 वर्ष की अधिस्थगन अवधि शामिल है।
This scheme prevented 1.46 million MSMEs accounts from being downgraded and saved1 6.5 million jobs until November 2022. इस योजना ने 1.46 मिलियन MSME खातों को डाउनग्रेड होने से रोका और नवंबर 2022 तक 1.6.5 मिलियन नौकरियां बचाईं।
The scheme was initially meant to support only MSMEs but its scope was later expanded to cover select categories of larger entities. The limit of the loan has been raised to ₹5 trillion from the initial ₹3 trillion. यह योजना शुरू में केवल MSMEs को समर्थन देने के लिए थी, लेकिन बाद में इसका दायरा बढ़ाकर बड़ी संस्थाओं की चुनिंदा श्रेणियों को कवर किया गया। ऋण की सीमा प्रारंभिक ₹3 ट्रिलियन से बढ़ाकर ₹5 ट्रिलियन कर दी गई है।
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