Last Updated: 17 Oct 2025
Credit Guarantee scheme for e-NWR based pledge financing (CGS-NPF)
Last Updated: 17 Oct 2025
The scheme provides credit guarantees to lending institutions for financing against e-Negotiable Warehouse Receipts (e-NWRs). e-NWRs are digital documents representing stored goods, issued by WDRA-regulated warehouses for trading and financing.
- Purpose: Provide credit guarantees to Eligible Lending Institutions (ELIs) for pledging finance against e-Negotiable Warehouse Receipts (e-NWRs).
- Type: Central Sector Scheme
- e-NWR: e-NWR is a digital document that represents a warehouse's stored goods. It can be used for trading, financing, and settlement.
- It is issued by registered warehouses regulated and governed by Warehousing Development and Regulatory Authority (WDRA).
- Eligibility:
- Agriculture Loans: Up to ₹75 lakh for borrowers under RBI's Priority Sector Lending (PSL) guidelines.
- Loans to MSMEs & Farmers: Up to ₹200 lakh for MSMEs, small & marginal farmers, FPOs, and cooperatives under PSL guidelines.
- Collateral: Only the goods in e-NWR can be pledged; no additional collateral required.