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Moratorium package for loans

Find the latest updates on the moratorium for loans, as well as answers to your questions and the next steps.

The moratorium on loans will end on 31 August 2020. Find out the next steps you can take as well as the support available to you.

Emergency Credit Line Guarantee Scheme (ECLGS)

HSBC India is registered as a 'Member Lending Institution' with National Credit Guarantee Trust Company (NCGTC) to participate in the Emergency Credit Line Guarantee Scheme (ECLGS), announced by Ministry of Finance, Govt. of India.

The scheme is available to eligible Business Enterprises/Micro, Small and Medium Enterprise (MSME)/Individual borrowers who had availed the original loan for business purpose, subject to compliance of the guidelines issued by NCGTC on Emergency Credit Line Guarantee Scheme.

For ECLGS related Operating guidelines and FAQs please visit

For further details, please reach out to your Relationship Manager.

Top loan moratorium questions

I want to avail moratorium. Do I need to apply? How do I know whether I am eligible for the scheme?

I do not want to avail moratorium any further. Can the moratorium applied on my loan account be cancelled?

What happens after the moratorium period ends? Will I have to pay all my Equated Monthly Installments (EMIs) at once?

Featured help and support articles


Check the guides to help you move forward.


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