Credit Guarantee Government Schemes
Leverage India’s credit guarantee frameworks for MSMEs, Startups, SC/ST/Women entrepreneurs, and micro‑units to unlock bank credit without collateral, backed by CGTMSE, CGFMU (PMMY), CGSSI (Stand‑Up India), and CGSS (Startups).
What are Credit Guarantee Schemes?
Credit guarantee schemes reduce lender risk by providing a government‑backed guarantee on eligible loans, enabling collateral‑free or lower‑security access to credit for businesses and entrepreneurs.
Key Indian programs include CGTMSE for MSEs, CGFMU portfolio guarantees for PMMY/MUDRA micro‑loans, CGSSI for Stand‑Up India loans to SC/ST and Women founders, and CGSS that guarantees loans to DPIIT‑recognized startups through NCGTC.
Focused
Secure
Fast
Trusted
Why use our guarantee‑backed credit support?
CGTMSE for MSEs
Cover combined fund and non‑fund facilities up to ₹10 crore per eligible borrower; hybrid security allowed per scheme.
CGFMU for PMMY
Portfolio guarantee for MUDRA loans to micro‑units (Shishu/Kishore/Tarun), enabling collateral‑free micro‑credit.
CGSSI for Stand‑Up India
Guarantee support for composite loans of ₹10 lakh–₹1 crore for SC/ST and Women greenfield enterprises.
CGSS for Startups
Credit guarantee for DPIIT‑recognized startups via NCGTC; limit expanded to ₹20 crore with fee relief for Champion Sectors.
Better Sanction Odds
Structured applications with the right guarantee tagging improve approval probability and reduce collateral demands.
End‑to‑End Support
Scheme mapping, lender coordination, guarantee enrollment, and post‑sanction compliance assistance.
Eligibility Criteria
Who Can Apply?
- CGTMSE: Micro/Small Enterprises per MSME definition with viable proposals and MLI lending.
- CGFMU: Eligible PMMY/MUDRA micro‑loans extended by participating banks/NBFCs.
- CGSSI: SC/ST and/or Women entrepreneurs setting up greenfield projects (individual or 51%+ ownership in entities).
- CGSS: DPIIT‑recognized startups borrowing from Member Institutions under the scheme.
Conditions
- CGTMSE guarantee up to ₹10 crore; extent of cover and AGF as per latest circulars.
- CGFMU operates as a portfolio‑level guarantee mechanism for PMMY; claims linked to portfolio thresholds.
- CGSSI supports ₹10 lakh–₹1 crore Stand‑Up India composite loans with bank‑decided security or guarantee.
- CGSS operated by NCGTC; recent updates include higher limits and AGF relief for select sectors.
Simple Application Process
Choose Scheme
Map business stage and profile to CGTMSE, CGFMU (PMMY), CGSSI (Stand‑Up India), or CGSS (Startups).
Apply via Lender/Portal
Submit proposal to an eligible Member Lending Institution or through the relevant scheme portal as required.
Guarantee Tagging
Lender assesses eligibility and files for guarantee cover (loan‑level for CGTMSE/CGSSI/CGSS; portfolio for CGFMU).
Sanction & Disbursal
On sanction, limits/loans are disbursed and guarantee cover activated; periodic fees/documentation apply per scheme.
Choose Scheme
Map business stage and profile to CGTMSE, CGFMU (PMMY), CGSSI (Stand‑Up India), or CGSS (Startups).
Apply via Lender/Portal
Submit proposal to an eligible Member Lending Institution or through the relevant scheme portal as required.
Guarantee Tagging
Lender assesses eligibility and files for guarantee cover (loan‑level for CGTMSE/CGSSI/CGSS; portfolio for CGFMU).
Sanction & Disbursal
On sanction, limits/loans are disbursed and guarantee cover activated; periodic fees/documentation apply per scheme.
Required Documents
Document Checklist
Important: Exact documentation varies by scheme, lender policy, facility type, and ticket size; a tailored checklist is shared during onboarding.
Frequently Asked Questions
Get the right guarantee‑backed credit
Receive expert mapping to CGTMSE, CGFMU, CGSSI, or CGSS, with lender coordination and guarantee enrollment to improve approval and terms.
₹500Cr+
Funded
20K+
Businesses
95%
Success Rate