Aatmanirbhar Gujarat Scheme: 100% CGTMSE Fee Reimbursement for MSEs — Frequently Asked Questions

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.