क्रेडिट गारंटी स्कीम फॉर स्टार्टअप्स (CGSS)
Credit Guarantee Scheme for Startups (CGSS) के अंतर्गत Department for Promotion of Industry and Internal Trade (DPIIT) द्वारा
अपनी पात्रता जांचें
साइन अप करें और हम आपको बताएंगे कि आपका स्टार्टअप इस ग्रांट के लिए योग्य है या नहीं।
त्वरित उत्तर
CGSS DPIIT-रिकग्नाइज़्ड स्टार्टअप्स को स्टेबल-रेवेन्यू स्टेज पर कोलैटरल-फ्री डेट फंडिंग के लिए क्रेडिट गारंटी देता है।
इस लोन के बारे में
CGSS DPIIT-रिकग्नाइज़्ड स्टार्टअप्स को Member Institutions (MIs) द्वारा दिए गए लोन्स पर क्रेडिट गारंटी प्रोवाइड करती है। यह स्कीम स्टेबल रेवेन्यू स्टेज पर स्टार्टअप्स को कोलैटरल-फ्री डेट फंडिंग फेसिलिटेट करती है। गारंटी कवर ट्रांज़ैक्शन-बेस्ड या अम्ब्रेला-बेस्ड (SEBI-रजिस्टर्ड AIFs के लिए) हो सकता है।
पात्रता
देखें कि आप पात्र हैं या नहीं
पूरी पात्रता शर्तें — संस्था प्रकार, स्टेज, क्षेत्र, फाउंडर प्रोफ़ाइल और पंजीकरण आवश्यकताएं — साथ ही इस प्रोग्राम के लिए आपकी फ़िट। देखने के लिए साइन अप करें।
Grant providers
The Department for Promotion of Industry and Internal Trade (DPIIT) is part of India's Ministry of Commerce and Industry. Its Startup India section runs the Startup India initiative, launched on 16 January 2016, and issues the DPIIT startup recognition certificate that most…
Learn moreThe Small Industries Development Bank of India (SIDBI) is the government-owned development bank for India's micro, small and medium enterprises. It was set up on 2 April 1990 under an Act of Parliament and is headquartered at SIDBI Tower on Ashok Marg in Lucknow, with offices in…
Learn moreExport-Import Bank of India, usually called Exim Bank or India Exim Bank, is a statutory bank for export finance. It was set up by the Export-Import Bank of India Act, passed in September 1981, and began operations in March 1982. Its head office is in Mumbai, at the World Trade…
Learn moreHost Institutes · 40
View allSmall Industries Development Bank of India (SIDBI)
Lucknow · Uttar Pradesh · India
Export-Import Bank of India (Exim Bank)
Mumbai · Maharashtra · India
YES BANK
Mumbai · India
+37 more Host Institutes across India can incubate this program.
लाभ और फंडिंग
- राशि
- ₹20 Cr तक
- फंड प्रकार
- ऋण
- इक्विटी
- इक्विटी-मुक्त
- चुकौती
- चुकाने योग्य
आपको क्या मिलेगा
CGSS provides a credit guarantee of up to ₹10 crore against loans extended by Member Institutions (MIs) to DPIIT-recognised startups, enabling collateral-free debt financing once a startup reaches a stable revenue stage. Guarantee cover can be transaction-based (per-loan) or umbrella-based, the latter available to SEBI-registered Alternative Investment Funds (AIFs). The scheme is backed by the Department for Promotion of Industry and Internal Trade (DPIIT).
समयसीमा और प्रक्रिया
आवेदन
रोलिंग आधार पर
स्टार्टअप्स Member Lending Institutions (MLIs) जैसे शेड्यूल्ड कमर्शियल बैंक्स, फाइनेंशियल इंस्टीट्यूशन्स, और RBI-रजिस्टर्ड NBFCs से कॉन्टेक्ट करें। MLI स्टार्टअप की एलिजिबिलिटी और प्रोजेक्ट वायेबिलिटी इवैल्युएट करेगा। फिर MLI NCGTC पोर्टल पर गारंटी कवर के लिए अप्लाई करेगा।
आवेदन कैसे करें
ड्राफ़्ट से वितरण तक चार चरण — हर चरण में एक कार्रवाई।
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अपने दस्तावेज़ तैयार करें
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आधिकारिक पोर्टल पर जमा करें
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अक्सर पूछे जाने वाले प्रश्न
Is CGSS a grant or a loan?
Neither, strictly. CGSS is a credit guarantee, meaning a risk cover given to your lender. What you receive is a loan from a bank, NBFC or AIF, which you repay with interest. No money is disbursed to the startup by the scheme itself, and there is no grant or subsidy component.
Do I get Rs 20 crore under CGSS?
No. Rs 20 crore is the maximum guarantee cover per borrower, not a loan you receive. Your loan amount is whatever your lender sanctions after its own credit appraisal, and the guarantee covers a share of the lender's loss if you default.
How much of the loan is covered by the guarantee?
For transaction-based cover, 85 percent of the amount in default on loans up to Rs 10 crore, and 75 percent of the amount in default on loans above Rs 10 crore. Cover is capped at Rs 20 crore per borrower.
What changed in the 2025 CGSS expansion?
The gazette notification dated 8 May 2025 raised the guarantee ceiling per borrower from Rs 10 crore to Rs 20 crore and increased the extent of cover to 85 percent of the amount in default on loans up to Rs 10 crore and 75 percent above that. Many pages about this scheme still quote the old Rs 10 crore ceiling.
Do I need collateral for a CGSS loan?
No. Removing the collateral requirement is the entire purpose of the scheme. The guarantee stands in place of security, which is what lets a lender approve credit for a startup with no assets to pledge. Note that this is separate from a personal guarantee, which your lender may still ask promoters to provide.
Is CGSS free for the startup?
No. An Annual Guarantee Fee is charged on the guaranteed amount every year the guarantee is live, and lenders generally pass it to the borrower. A CGSS-backed loan is more expensive than an equivalent secured loan. It buys access to credit, not a cheaper rate.
What interest rate will I pay on a CGSS loan?
The scheme does not set the interest rate. Your Member Institution prices the loan on its own credit policy, so the rate, tenure and moratorium vary between lenders for an identical borrower. This is why it is worth approaching more than one institution.
Can a pre-revenue startup use CGSS?
Generally no. The scheme requires a stable revenue stream assessed from audited monthly statements over twelve months, and that the startup be amenable to debt financing. Pre-revenue companies should look at the Startup India Seed Fund Scheme or equity instead.
Where do I apply for CGSS?
Two routes. Online, through the Startup Common Application on the Jan Samarth portal (jansamarth.in), which checks eligibility and routes you to participating Member Institutions. Or offline, by approaching the nearest branch of a Member Institution directly. Either way you are applying for a loan, not to the scheme: the lender underwrites you on its own credit policy and lodges the guarantee with NCGTC. You never contact NCGTC yourself.
Which lenders participate in CGSS?
Three categories of Member Institution qualify: scheduled commercial banks and financial institutions; RBI-registered NBFCs with a minimum BBB+ rating and net worth of at least Rs 100 crore; and SEBI-registered Alternative Investment Funds, which is the route venture debt funds use. Participation varies by institution, so confirm with the specific bank.
Is DPIIT recognition mandatory for CGSS?
Yes, without exception. The scheme covers loans to startups recognised by DPIIT under the Startup India gazette notifications. No recognition means no cover. DPIIT recognition itself requires the entity to be within 10 years of incorporation, to have had turnover below Rs 100 crore in every previous financial year, and to be a private limited company, registered partnership firm or LLP.
How long does a CGSS loan take?
The scheme sets no timeline, because the loan is your lender's decision. Founders commonly report two to four weeks from complete application to disbursal, though this depends heavily on how clean your audited financials are and whether the branch has processed CGSS cases before.
Sources
Data on this page is compiled from official program and provider references.
समाचार
- DPIIT signs 5 MoUs to expand digital, cloud and investment support for startupsm.economictimes.com · 2 months ago
Source: Google News aggregated
