Aatmanirbhar Gujarat Scheme: 100% CGTMSE Fee Reimbursement for MSEs
Gujarat's Aatmanirbhar Gujarat Scheme refunds 100% of the annual CGTMSE service fee on collateral-free loans taken by Micro and Small Enterprises, for up to five years.
- Funding amount
- Varies by program
- Funding type
- Subsidy
- Provider
- Industries and Mines Department, Government of Gujarat (Government)
- Application deadline
- Rolling
- Eligible stage
- Any stage
- Location
- Open to startups registered in India
Overview
The Aatmanirbhar Gujarat Scheme for MSMEs is an umbrella programme of the Gujarat government, delivered through the state's Industries and Mines Department, with a validity window running from 5 October 2022 to 4 October 2027. It sits alongside the broader Aatmanirbhar Gujarat and Aatmanirbhar Bharat push for self-reliance, and its stated purpose is to help the state's small and medium enterprises grow, invest and create employment.
This page covers one component of that umbrella: Assistance for Reimbursement of CGTMSE Fees. The Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) allows a Micro or Small Enterprise to borrow without offering collateral, in exchange for a guarantee fee that the lending bank or financial institution charges every year.
That fee is a recurring cost sitting on top of interest, and it lands hardest on the smallest borrowers. Gujarat's response is to refund it in full — 100% of the annual service fee — for up to five years counted from the date the loan is disbursed.
In practice, this means an eligible MSE can access credit without pledging collateral and without carrying the guarantee fee itself. The component addresses two obstacles at once: the security a lender demands, and the cost attached to doing without it.
Highlights
- 100% reimbursement of the annual CGTMSE service fee
- Support continues for up to 5 years from loan disbursement
- For Micro and Small Enterprises in Gujarat
- Linked to collateral-free loans under the CGTMSE credit guarantee
- Scheme window: 5 October 2022 to 4 October 2027
- Applications routed through the District Industries Centre via Gujarat's Investor Facilitation Portal
Who can apply
Reimbursement under this component is limited to Micro and Small Enterprises (MSEs) — it is built for the smaller end of the MSME band.
An applicant must already hold a collateral-free term loan sanctioned under the CGTMSE Credit Guarantee Scheme, and must have paid the annual service fee on that loan to the bank or financial institution.
There is also a filing window to respect. The claim goes to the concerned District Industries Centre (DIC) either within one year of the first loan disbursement or before the date commercial production starts — whichever of the two falls later.
No further sector, industry or entity-type conditions are listed among the scheme's stated criteria.
Aatmanirbhar Gujarat Scheme: 100% CGTMSE Fee Reimbursement for MSEs is open to startups at any stage. It is open to startups registered anywhere in India.
- Eligible stage
- Any stage
- Location
- Open to startups registered in India
Deadline & timing
Aatmanirbhar Gujarat Scheme: 100% CGTMSE Fee Reimbursement for MSEs accepts applications on a rolling basis — there is no fixed cut-off date, so eligible startups can apply at any time. Because rolling programmes can pause without notice, confirm the window is still open on the official site before you start.
What the funding covers
- 100% reimbursement of the annual service fee charged by the bank or financial institution on a CGTMSE-backed collateral-free term loan.
- The refund runs for up to 5 years, counted from the date the loan was first disbursed.
- The fee covered is 1.8% plus Risk Premium in year one, and 0.85% in the years that follow, or the revised rate as amended by CGTMSE or the RBI.
- No maximum absolute rupee amount is fixed — the support mirrors the percentage-based fee actually paid.
- Because this is a state subsidy rather than an investment, it does not dilute the promoter's shareholding and nothing has to be repaid.
About the provider
Aatmanirbhar Gujarat Scheme: 100% CGTMSE Fee Reimbursement for MSEs is offered by Industries and Mines Department, Government of Gujarat, a government body. As a government-backed subsidy, it is publicly funded and open to eligible startups across India.
How to apply
Applications are submitted on the . Confirm the current deadline and document checklist there before you start.
Selection process
There is no competition, pitch or shortlisting round in this component. Every application that meets the criteria is handled on its own merits.
The District Industries Centre (DIC) is the processing authority. Its review covers four things:
- Whether the applicant is a Micro or Small Enterprise.
- Whether the applicant has actually availed a collateral-free term loan under the CGTMSE scheme, supported by proof.
- Whether the application was filed in time — within one year of first disbursement, or before commercial production begins, whichever is later.
- Whether the annual service fee has been paid and can be verified.
Once these conditions check out, the DIC takes the reimbursement forward.
Documents you’ll need
Before you apply to Aatmanirbhar Gujarat Scheme: 100% CGTMSE Fee Reimbursement for MSEs, keep the following documents ready:
- A pitch deck or short business plan describing the problem, product and traction
- Company registration documents and PAN
- Founder identification (PAN / Aadhaar) and brief profiles
- Recent financial statements or projections
- Product details — a demo, prototype or working link if available
Exact requirements are confirmed on the official application portal — treat this as a preparation checklist.
Frequently asked questions
What is this Gujarat scheme and who runs it?
It is a state government component of the Aatmanirbhar Gujarat Scheme for MSMEs, administered by the Industries and Mines Department of Gujarat. Its purpose is to refund the annual service fee that Micro and Small Enterprises pay on collateral-free loans backed by the Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE). The wider scheme runs from 5 October 2022 to 4 October 2027.
How much funding does the reimbursement cover?
The reimbursement is 100% of the annual service fee on the CGTMSE-backed loan. That fee works out to 1.8% plus Risk Premium in the first year and 0.85% in later years, unless CGTMSE or the RBI revises the rate. Gujarat does not set a maximum absolute rupee amount — the payout simply mirrors the percentage-based fee you have paid, for up to five years from disbursement.
Who is eligible to claim this reimbursement?
Your enterprise needs to be a Micro or Small Enterprise, and it must have taken a collateral-free term loan sanctioned under the CGTMSE Credit Guarantee Scheme. You also need to have paid the annual service fee on that loan, since the scheme refunds a fee that has actually been incurred.
Is there a deadline to apply?
The scheme is always open rather than tied to a single cut-off date. What matters is the timing of your individual claim: the application must reach your District Industries Centre within one year of the first disbursement of the loan, or before the date commercial production begins, whichever is later.
For how long can I receive the reimbursement?
Up to five years, counted from the date the CGTMSE-backed loan was first disbursed. The reimbursement covers the annual service fee across that period.
Do I need DPIIT recognition or MSME registration?
The scheme's stated eligibility conditions do not mention DPIIT recognition or MSME registration as a separate requirement. What is required is that the applicant qualifies as a Micro or Small Enterprise and holds a CGTMSE-backed collateral-free term loan on which the annual service fee has been paid. Any supporting papers the department needs will be listed on the application portal at the time of filing.
Does the government take equity in my company for this support?
No. This is a subsidy in the form of a fee reimbursement, so there is no equity stake, no board seat and nothing to repay. The money refunded is simply a cost your business had already borne on its CGTMSE-backed loan.
What documents do I need to submit?
The application on the Investor Facilitation Portal asks for your business details along with the mandatory documents relating to the enterprise and the CGTMSE loan, and a working email address for registration and verification. The scheme does not publish a fixed checklist beyond these loan and fee-related papers.
How do I apply for the scheme?
The process is entirely online, through Gujarat's Investor Facilitation Portal (IFP) at ifp.gujarat.gov.in. Register as a new investor, fill in the registration form and submit it, then confirm your email through the verification link sent to your inbox. After that, log in with your email address and password and complete the application by entering the remaining details and uploading the mandatory documents connected to your business and the CGTMSE loan.
Who processes my application?
Your District Industries Centre (DIC) is the processing authority. It verifies your Micro or Small Enterprise status, your collateral-free CGTMSE loan, the payment of the annual service fee, and whether you applied within the permitted time window relative to disbursement or the start of commercial production.
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