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 . 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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