How to Apply for Credit Guarantee Scheme for Startups (CGSS)
Credit Guarantee Scheme for Startups (CGSS) accepts applications online through the official portal on a rolling basis. Follow the steps below — and always confirm the latest details on the official source before you apply.
How to apply
Applications are submitted on the official portal. Confirm the current deadline and document checklist there before you start.
Selection process
Startups first approach a Member Lending Institution (MLI) such as a Scheduled Commercial Bank, a Financial Institution, an RBI-registered NBFC (with a rating of BBB or above and net worth of ₹100 crore), or a SEBI-registered Alternative Investment Fund (AIF). The MLI evaluates the startup's eligibility, including revenue stability and creditworthiness, and assesses project viability. If satisfied, the MLI applies for a guarantee cover on the National Credit Guarantee Trustee Company (NCGTC) portal. Startups do not apply directly to NCGTC; the entire process is driven by the member institution.
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