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Credit Guarantee Scheme for Startups (CGSS)

DPIIT, through NCGTC · Central scheme · Loan guarantee

Guarantee cover on loans up to ₹20 crore
Not money from government: a guarantee to your lender (bank, NBFC or venture debt fund)
RollingNo fixed deadline published

Summary

Credit Guarantee Scheme for Startups (CGSS) is a loan guarantee from DPIIT, through NCGTC. Any Indian state. If you meet the basic rules, you can apply; the committee decides.

Eligibility

Where	Any Indian state.
Entity types	pvt_ltd, llp, partnership
Must be incorporated	Yes
Company age	No limit stated
Stages	revenue, scaling
Sectors	any
DPIIT recognition	Required
Indian shareholding	Not stated
Prior govt support cap	Not stated

Who it's for

DPIIT recognition
A loan from a registered member institution
No default / NPA

Who it's not for

In default or classified NPA

A co-founder living in another city never disqualifies a company-based scheme.

Documents

DPIIT recognition
A loan from a registered member institution
No default / NPA

How to apply

Check the rules on the official page.
Ask a registered lender (member institution); the lender applies to NCGTC for cover.
Follow the selection steps on the official page.

Deadline

No fixed deadline published. Watch the official page for calls.

Combinations

No stacking rules recorded.

Official page ↗ Check my match

Related schemes

BIRAC Biotechnology Ignition Grant (BIG) — Up to ₹50 lakh
Startup India Seed Fund Scheme (SISFS) – Debt / convertible — Up to ₹50 lakh
NIDHI-PRAYAS 2.0 (prototype grant) — Up to ₹20 lakh (₹40 lakh at Advance PRAYAS Centres)
Startup India Seed Fund Scheme (SISFS) – Grant — Up to ₹20 lakh

Last verified 2026-10-29