Credit Enhancement Guarantee Scheme for Scheduled Castes (CEGSSC)
A programme by Ministry of Social Justice and Empowerment
IFCI's guarantee to lending banks against loans to Scheduled Caste-owned businesses. You apply for the loan itself.
At a glance
| Best for | Scheduled Caste-owned companies, firms and individuals borrowing from a member bank |
|---|---|
| Duration | Up to seven years, or the loan's repayment period if shorter |
| Run with | IFCI |
About Credit Enhancement Guarantee Scheme for Scheduled Castes (CEGSSC)
CEGSSC gives a guarantee from IFCI against loans that member lending banks and institutions make to eligible Scheduled Caste-owned businesses. The guarantee sits with the lender, so you apply for the loan itself at a member bank. The portal says the scheme is sponsored by the Ministry, and the scheme appears on the Ministry's schemes page. The portal shows no open or closing dates.
What you get
- A guarantee against a loan from a member bank or institution
- A guarantee tenure of up to seven years, or the loan's repayment period if that is earlier
Who can apply
- Registered companies and societies, registered partnership firms, sole proprietorships and individual Scheduled Caste entrepreneurs
- More than 51% shareholding by Scheduled Caste entrepreneurs, promoters or members with management control, held for the past six months
How to apply: Apply for the loan at a member lending bank or institution. The portal has How to Apply and Application Form pages, and questions go to cegssc@ifciltd.com.
Where to apply
Other Ministry of Social Justice and Empowerment programmes
- Ambedkar Social Innovation Incubation Mission (ASIIM)Incubation funding, routed through Technology Business Incubators, for Scheduled Caste technology ideas. Its guidelines ran to March 2026.
- Venture Capital Fund for Scheduled Castes (VCF-SC)A fund that invests in shares of Scheduled Caste-led companies. Its guidelines ran to March 2026.
- NSFDC loan schemes (micro finance, term loans and Udyam Nidhi Yojana)Loans at reasonable interest rates for Scheduled Caste persons running small and micro businesses, delivered by NSFDC.