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The Scheme Register / CGSS

Department for Promotion of Industry and Internal Trade (DPIIT)

Credit Guarantee Scheme for Startups (CGSS)

Loan / CreditSeed / Early stage · Growth / ScalingStartup-specific
Support type
Loan / Credit
Best suited for
Credit Support
How much
Guarantee cover up to ₹20 crore per eligible borrower
Where you apply
ncgtc.in

What is this scheme?

The Credit Guarantee Scheme for Startups (CGSS) helps startups access loans by assuring lenders that the government will cover part of the risk, making it easier for young businesses to get funding without collateral.

Objectives

Credit Guarantee Scheme for Startups (CGSS) aims at providing credit guarantee up to a specified limit against loans extended by Member Institutions (MIs) to finance eligible borrowers viz. entities recognised as 'startups' by DPIIT. CGSS is operated by the National Credit Guarantee Trustee Company (NCGTC) Limited.

Who can apply (eligibility)

  • Eligible (i) Scheduled Commercial Banks and Financial Institutions; (ii) RBI registered Non-Banking Finance Companies (NBFCs) and (iii) Securities and Exchange Board of India (SEBI) registered Alternative Investment Funds (AIFs) can become member institutions (MIs) subject to requirements.
  • Eligible borrowers are DPIIT recognised startups.

What do you get?

  • Maximum guarantee of ₹20 crore or actual outstanding credit amount, whichever is less. For both transaction-based and umbrella-based cover.

How to apply

  1. 01Visit the website for details: https://www.ncgtc.in/en/product-details/CGSS/Credit-Guarantee%20Scheme%20for%20Start-ups%20(CGSS)
  2. 02For application through the Jan Samarth portal: https://www.jansamarth.in/business-loan-startup-scheme.
Apply on ncgtc.in (opens in a new tab)

You will leave iHub India. Applications are made directly to Department for Promotion of Industry and Internal Trade — iHub India is not part of the process.