Credit Guarantee Scheme for Startups (CGSS)
Collateral-free credit guarantee against loans (venture debt, working capital, term loans) extended by Member Institutions to DPIIT-recognised startups. Transaction-based cover of 85% of default up to Rs 10 crore and 75% for amounts above Rs 10 crore; ceiling of guarantee cover Rs 20 crore per borrower.
Maximum benefit value
₹20 Cr
Eligibility
- Entity recognised as a Startup by DPIIT per gazette notifications
- Not in default to any lending/investing institution
- Not classified as NPA per RBI guidelines
- Certified as eligible by the lending Member Institution
How to apply
DPIIT-recognised startups access credit through Member Institutions (banks, NBFCs, AIFs); apply via Jan Samarth portal, member-institution branches or lender websites.
Required documents
- DPIIT recognition certificate
- KYC / entity documents
- Financials
- Loan application to Member Institution
Official sources
Verification notes
Verified on Startup India (DPIIT) and NCGTC official pages. Administered by NCGTC. Ceiling raised to Rs 20 crore per borrower (maxValueInINR = per-borrower guarantee ceiling of Rs 20 crore). [AI-gathered from official sources on 2026-07-05; needs team review]