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Credit Guarantee Scheme for Startups (CGSS)

Department for Promotion of Industry and Internal Trade (DPIIT)

Guarantee up to ₹20 crore or actual outstanding credit, whichever is lower· Credit Support

What is this?

Helps startups access loans by assuring lenders that the government will cover part of the risk, easing collateral-free borrowing for young businesses.

Objectives

  • Provide credit guarantee, up to a specified limit, against loans from Member Institutions to DPIIT-recognised startups; operated by the National Credit Guarantee Trustee Company (NCGTC).

Who can apply?

  • Eligible Scheduled Commercial Banks, Financial Institutions, RBI-registered NBFCs, and SEBI-registered AIFs can become Member Institutions.
  • Eligible borrowers are DPIIT-recognised startups.

What do you get?

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

How to apply

  • Apply via a Member Institution, or through the Jan Samarth portal's business-loan section.

Key links

Best suited for

Credit Support

Common questions

Answers from this page only — not legal or financing advice.

What is CGSS?

Helps startups access loans by assuring lenders that the government will cover part of the risk, easing collateral-free borrowing for young businesses.

Who is this scheme typically for?

Eligible Scheduled Commercial Banks, Financial Institutions, RBI-registered NBFCs, and SEBI-registered AIFs can become Member Institutions. Eligible borrowers are DPIIT-recognised startups.

Does FoundersOffice guarantee approval under this scheme?

No. Scheme pages here are advisory summaries for discovery. Eligibility, amounts, and process change — confirm on the official nodal ministry or scheme portal before applying.

Is FoundersOffice a government site?

No. FoundersOffice Idea Browser is an independent discovery and briefing tool — not affiliated with the Government of India, MSME, KVIC, DIC, or any bank. Nothing here is a sanction, loan offer, or guarantee of subsidy.

Disclaimer: Costs and sample reports are published by PMEGP / MSME authorities. FoundersOffice Idea Browser is an independent discovery and briefing tool — not affiliated with the Government of India, MSME, KVIC, DIC, or any bank. Nothing here is a sanction, loan offer, or guarantee of subsidy. Heuristics and future scores are advisory; verify on the official portal before applying.

Source: “Playbook of Government Schemes and Initiatives for Startups” (Govt of India, June 2026) · verify against the official scheme source before relying on this for a filing.