Credit Guarantee Scheme for Startups

Last checked 11 Oct 2026 against the official scheme page. Terms and dates can change, so confirm on the official site before you apply.

Guarantee cover up to Rs 20 crore per borrower (85% of default for loans up to Rs 10 crore, 75% above)

Funding available

Government-backed guarantee, operated by NCGTC, that lets banks, NBFCs and venture-debt AIFs lend to DPIIT-recognised startups without collateral. Cover is raised to Rs 20 crore per borrower.

Eligibility Criteria

DPIIT-recognised startup that is not in default or NPA with any lender. Apply for a loan through an eligible member institution or the Jan Samarth portal; the lender claims the guarantee.

What You Get

Collateral-free venture debt, working capital and other loans

Similar Schemes

FoF 2.0

Startup India Fund of Funds 2.0

Corpus Rs 10,000 crore, routed through AIFs

80-IAC

Section 80-IAC Income Tax Holiday for Startups

100% deduction on business profits for 3 consecutive financial years

DPIIT Recognition

DPIIT Startup Recognition

No fee; non-cash gateway benefit

Apply on the official government portal

Apply Now

Quick Facts

Governing Body: Department for Promotion of Industry and Internal Trade (DPIIT), Ministry of Commerce and Industry (operated by NCGTC)
Ministry / Dept: DPIIT
Level: Central Government
Status: Ongoing

DPIIT Recognition Required

This scheme requires your startup to be DPIIT-recognised under the Startup India programme.

How to get DPIIT recognition →