Aatmanirbhar Gujarat Scheme for assistance to MSMEs: Assistance for Reimbursement of CGTMSE Fees
By Industries and Mines Department, Government of Gujarat
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Quick Answer
Gujarat reimburses 100% of annual CGTMSE service fees for Micro and Small Enterprises with collateral-free loans, for up to five years.
- Funding amount
- Varies
- Funding type
- Subsidy
- Application deadline
- Rolling
- Location
- Gujarat
- Registrations needed
- Udyam registration
About this subsidy
The Industries and Mines Department, Gujarat, reimburses 100% of the annual service fees you pay on a collateral-free loan under the CGTMSE scheme. The reimbursement runs for up to 5 years from the date of loan disbursement. The fees are 1.8% plus Risk Premium in the first year and 0.85% in later years, or as amended by CGTMSE/RBI. This component sits under the Aatmanirbhar Gujarat Scheme for MSMEs, effective from October 5, 2022, to October 4, 2027.
You must be a Micro or Small Enterprise with a collateral-free term loan and must have already paid the annual service fee. Apply to the District Industries Centre (DIC) within one year of the first loan disbursement or before commercial production starts, whichever is later.
Eligibility
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Full eligibility criteria — entity type, stage, sector, founder profile and registration requirements — plus your fit for this program. Sign up to view.
Subsidy providers
The Industries & Mines Department (IMD) of the Government of Gujarat is the state department that makes industrial and MSME policy. Its executive arm, the Industries Commissionerate, implements those policies, both the state's and the central government's, and runs the Startup…
Learn moreBenefits & Funding
What You Get
The scheme offers 100% reimbursement of the annual service fees paid to banks or financial institutions for collateral-free loans sanctioned under the Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) scheme. This reimbursement is provided for a period of up to 5 years from the date of loan disbursement. The annual service fees, which are reimbursed, amount to 1.8% + Risk Premium in the first year and 0.85% or as amended by CGTMSE/RBI in subsequent years. This financial support significantly reduces the cost of borrowing for Micro and Small Enterprises, making it more feasible for them to access credit without the burden of providing collateral.
- Disbursement
- Reimbursement
- Duration
- 61 months
- Bootstrap friendly
- Yes
Timelines & Process
Applications
Rolling basis
Selection Process
Applications are reviewed for eligibility against stated criteria, including the applicant's status as a Micro or Small Enterprise, proof of having availed a collateral-free term loan under the CGTMSE scheme, timely application relative to loan disbursement or commercial production, and verification of paid annual service fees. The District Industries Centre (DIC) is responsible for processing these applications.
Application Process
- 1
New Investor Registration
Visit the Investor Facilitation Portal (IFP) and initiate the registration process.
You - 2
- 3
- 4
- 5
- 6
- 7
How to apply
Four steps from draft to disbursement — one action each.
- 1
See the questions before you start
Download every question this programme's application form asks, so you can prepare your answers offline before opening the portal.
- 2
Line up your documents
Keep every document from the checklist ready in one folder. Missing docs are the #1 reason applications get bounced.
- 3
Submit on the official portal
Use the official application link and verify all details before final submission.
- 4
Follow up
Reach out 5–7 days after submitting to confirm receipt and ask about the review timeline.
Program templates & documents
Files the program publishes for applicants — download these and apply in the prescribed format.
Frequently Asked Questions
What is the Aatmanirbhar Gujarat Scheme for assistance to MSMEs: Assistance for Reimbursement of CGTMSE Fees?
This is a state-level scheme by the Industries and Mines Department, Gujarat, which aims to provide financial support to Micro and Small Enterprises (MSEs) by reimbursing the annual service fees they pay for collateral-free loans taken under the central government's CGTMSE scheme. The reimbursement covers 100% of these fees for up to 5 years.
Who is eligible to apply for this reimbursement scheme?
Micro and Small Enterprises (MSEs) that have successfully secured a collateral-free term loan under the CGTMSE scheme are eligible. The enterprise must have also paid the annual service fee for the CGTMSE-backed loan.
What is the application deadline for this scheme?
There isn't a fixed program-wide deadline. Eligible MSEs must apply to their District Industries Centre (DIC) within one year from the first disbursement of their CGTMSE-backed loan or before the date of commencement of commercial production, whichever is later.
What is the amount of reimbursement offered?
The scheme offers 100% reimbursement of the annual service fees. These fees are typically 1.8% + Risk Premium for the first year and 0.85% for subsequent years, or as updated by the CGTMSE Trust/RBI. The scheme does not specify a maximum absolute amount, rather it covers the full percentage-based fee.
How long is the reimbursement provided?
The reimbursement for the annual service fees is provided for a period of up to 5 years from the first disbursement of the CGTMSE-backed loan.
What are the key steps to apply for this scheme?
The application process is entirely online. First, you need to register on the Investor Facilitation Portal (IFP) of Gujarat. After successful registration and email verification, you can log in to the portal and complete the application by filling in the required business details and uploading mandatory documents.
Sources
Data on this page is compiled from official program and provider references.
