Guarantee Scheme Directory

A sub-scheme under National Scheduled Caste and Scheduled Tribe Hub (NSSH) that provides reimbursement to SC/ST MSEs on bank charges paid to banks for issuance of Performance Bank Guarantee (PBG) in favor of buyer departments from where work has been awarded to such MSEs.

Scheme to encourage and promote entrepreneurship among Scheduled Castes oriented towards innovations and growth technologies by providing Credit Enhancement Guarantee (minimum Rs.15 million and maximum Rs.500 million) against Working Capital Loans, Term Loans or Composite Term Loans granted by Member Lending Institutions (MLIs) to SC entrepreneurs.

The Credit Guarantee Fund Scheme for Startups (CGSS) is a central government scheme administered by DPIIT (Department for Promotion of Industry and Internal Trade) and operationalised through NCGTC (National Credit Guarantee Trustee Company). It provides credit guarantees to Member Lending Institutions (MLIs) for loans extended to DPIIT-recognised startups, enabling them to access formal credit without collateral. The guarantee cover ranges from 75% to 85% of the loan amount, with maximum guarantee per startup capped at ₹10 crore. This scheme helps startups, including MSME-stage startups, overcome the challenge of lack of collateral and credit history when seeking institutional finance.

Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) was jointly set up by the Ministry of Micro, Small and Medium Enterprises (MoMSME), Government of India and Small Industries Development Bank of India (SIDBI) in August 2000 to implement the Credit Guarantee Scheme (CGS). The scheme provides collateral-free credit guarantees to Member Lending Institutions (MLIs) — including scheduled commercial banks, RRBs, select NBFCs and Small Finance Banks — for loans extended to eligible Micro and Small Enterprises (MSEs) up to ₹10 crore per borrower (enhanced from ₹5 crore effective April 1, 2025). CGTMSE removes the bottleneck of collateral/third-party guarantee requirement, enabling first-generation entrepreneurs and existing MSEs to access formal credit.

The Migrants Employment Generation Programme (MEGP) is designed for Non-Resident Tamils who returned to Tamil Nadu due to the Covid-19 pandemic. The scheme aims to generate employment opportunities by converting eligible returnees into small-scale entrepreneurs through microenterprises in manufacturing, service, and business sectors. It provides collateral-free loans with government subsidy, mandatory entrepreneurship training, and marketing support.

A government scheme aimed at promoting entrepreneurship and providing financial assistance to the sons and daughters of farmers to establish their agro-based businesses. The scheme provides loans ranging from ₹50,000 to ₹10,00,000 with subsidies on capital cost and interest subventions to help economically weak farmers become self-reliant entrepreneurs.

The scheme enhances livelihood security in urban areas by providing 120 days of guaranteed wage employment to every household in a financial year. It facilitates skill enhancement and entrepreneurship training with bank linkage for self-employment, and strengthens urban infrastructure through quality civic amenities in Urban Local Bodies (ULBs) and Cantonment Boards (CBs) in Himachal Pradesh.

A self-employment scheme launched on 1 August 2014 by the Madhya Pradesh government to provide loans up to ₹50,000 to ₹10,00,000 to citizens for establishing employment and starting businesses. The scheme provides margin money assistance, interest subsidy, loan guarantee, and training to beneficiaries.

The scheme provides loans of up to ₹10,00,000 to ₹2,00,00,000 to the citizens of Madhya Pradesh who want to set up their industries. It includes margin money assistance, interest subsidy, and guarantee fee coverage.

A component of the National Handloom Development Programme (NHDP) launched by the Ministry of Textiles, Government of India. The scheme aims to provide adequate and timely assistance from banks to the handloom sector to meet credit requirements for term loans and working capital in a flexible and cost-effective manner across the country.

The Startup Manipur program aims to promote sustainable economic growth and generate significant employment opportunities in Manipur. Under the Manipur Startup Policy 2018, the government has established several incubation centers to promote the growth of a minimum of 1,000 technology-based innovative startups throughout the state. The program empowers youth to become job creators by fostering entrepreneurship and innovation culture, providing a supportive ecosystem to nurture startups, and making Manipur a leading startup destination in the North East.

Udyam Registration is the official government recognition certificate for MSMEs in India, issued free of cost through a fully online, paperless, self-declaration-based process at udyamregistration.gov.in. Upon registration, businesses receive a unique Udyam Registration Number (URN) and certificate that is permanent — no renewal required. Registered MSMEs gain access to a wide range of benefits: (1) Priority Sector Lending — banks are mandated to lend to MSMEs under priority sector norms; (2) Collateral-Free Loans — access to Credit Guarantee Fund Trust for MSEs (CGTMSE) for loans up to ₹10 crore without pledging assets; (3) Delayed Payment Protection — buyers must pay MSMEs within 45 days under the MSMED Act, with interest liability on default; (4) Government Procurement Preference — 25% of all Central Government procurement must be from MSEs, with 3% reserved for women-owned enterprises; (5) Credit Linked Capital Subsidy Scheme (CLCSS) — technology upgradation subsidy; (6) Lower electricity tariffs; (7) Protection against delayed payments via MSME Samadhaan portal; (8) Access to all MSME ministry schemes, subsidies, and incentives. Registration is based on self-declaration using Aadhaar and PAN — no inspector visits, no fees.