Credit Guarantee Scheme for Startups Apply Online | CGSS Apply Online | CGSS Interest Rate | Credit Guarantee Scheme for Startups Interest Rate | CGSS Interest Calculator
The Credit Guarantee Scheme for Startups’ objective to provide credit guarantees up to a specific limit for loans. The CGSS scheme monitored by the Department of Promotion of Industry and Internal Trade. Also, the department made amendments from time to time. Check the Credit Guarantee Scheme for Startups registration process, interest rate calculators, eligibility and documents required through this article.
PM Vishwakarma Yojana Registration
Credit Guarantee Scheme for Startups
The credit guarantee to loans extended to DPIIT recognized startup, Scheduled Commercial Banks, Non-Banking Financial Companies, and Venture Debt Funds under SEBI-registered alternative investment funds. Under this scheme, guarantee coverage increases the maximum limit from Rs 10 Crore to Rs 20 Crore per eligible borrower.
| Scheme | Credit Guarantee Scheme for Startups (CGSS) |
| Under | DPIIT and SEBI |
| Loan limit | Rs 20 Crore |
| Apply online | Credit Guarantee Scheme for Startups Online Apply |
| Government | Government of India |
| Scheme | Loan scheme for startups |
| Official | startupindia.gov.in |
Credit Guarantee Scheme for Startups Interest
CGSS Eligibility Criteria
- DPIIT Registered – Startup as recognized by DPIIT as per Gazette Notification issued from time to time.
- Non-Defaulting – Startup not in default to any lending or investing institution and not classified as Non-Performing Asset as per the Reserve Bank of India guidelines.
- Elibility Entity – Also the startup whose eligiblity certified by the Member Institution for the purpose of guarantee cover. Private Limited Company, Limited Liability Partnership or Partnership firm.
It covers loans, venture debt, and working capital from member institutions, reduce risks for lenders.
Coverage – Up to Rs 20 Crore per applicant
Guarantee Fees – Generally 2% per yeat with reduced rate i.e 1.5% for women led or North-East region startups.
Gurantee Extent – Up to 85% for loans up to Rs 10 Crore and 75% for loans above Rs 10 Crore.
CGSS Loan Apply Online
How to apply for the Central Guarantee Scheme for Startups online?
- Online application – Visit on the Jan Samarthan Portal.
- After that click on the Register Startup and follow step-by-step guidance available on the Jan Samarthan Portal.
- People can also Approach Member Institutions such as Scheduled Commercial Banks, NBFCs or Alternative Investment Funds with the registered with NCGTC.
- After submitting the proposal, submit business plans and attach supporting documents.
- Then, lenders assess the project and apply for the guarantee on the Jan Samarth Portal.
Documents Required –
Certificate – DPIIT Startup Recognition Certificate
Incorporation documents – Memorandum & Articles of Association, Partnership deed.
Project report with CMA data (Credit Monitoring Arrangement)
Audited Balance Sheet (last 3 years).
CGSS Interest Rate 2026
क्रेडिट गारंटी स्कीम फॉर स्टार्टअप्स क्या है?
जैसे की हम सब जानते हैं स्टार्टअप्स के लिए क्रेडिट गारंटी स्कीम DPIIT मान्यता प्राप्त स्टार्टअप्स को ऋण प्राप्त करने में मदद मिलती है. DPIIT द्वारा मान्यता प्राप्त स्टार्टअप्स को बिना किसी संपत्ति को गिरवी रखे बैंकों, AIF, NBFC द्वारा 20 करोड़ रुपये तक का लोन मिल सकता है. भारत देश में किसी भी स्टार्टअप्स को शुरू करने में सबसे बड़ी चुनौती है फंडिंग प्राप्त करना. जिसकी वजह से विकास, रोजगार सृजन, नवाचार को बड़ी कठनाइयों का सामना करना पद सकता है.
ऐसे में सरकार ने स्टार्टअप्स शुरू करने के लिए बिना किसी संपत्ति को गिरवी रखे आवेदकों को 20 करोड़ रुपये तक का लोन प्रदान किया जाता है. जिसके माध्यम से स्टार्टअप्स शुरू हो सके और नई विचारधारा को गति मिल सके.
Official – CGSS Loan Application
CGSS की शुरुवात इंडिया मिशन के तहत शुरू हुई है जिसका उद्व्श्य सदस्य संस्थानों द्वारा पात्र स्टार्टअप्स वित्तपोषण के लिए क्रेडिट इन्वेस्टमेंट के खिलाफ एक निर्धारित सीमा तक गारंटी कवर प्रदान करके DPIIT द्वारा मान्यता स्टार्टअप्स को समर्थन करता है.
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