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The scheme is open to MSMEs and other businesses (except airlines), letting them borrow up to 20% of their peak working capital from Q4 FY26, capped at ₹100 crore per borrower.
Airlines get a bigger slice, up to 100% of their needs, maxing out at ₹1,500 crore each.
Loans last five years for most sectors (seven for aviation), with interest rates capped at 9% for banks and no guarantee fees.

Loans approved by March 31, 2027 qualify, and the main goal here is pretty clear: keep businesses running, protect jobs, and make sure supply chains don't break down during these tough times.