Gujarat MSME CGTMSE Fee Reimbursement — Up to ₹10.4L — Frequently Asked Questions
Answers to the questions founders most often ask about Gujarat MSME CGTMSE Fee Reimbursement — Up to ₹10.4L — who qualifies, the funding amount, required documents and how the application works.
Frequently asked questions
How much money does the CGTMSE fee reimbursement actually provide?
Assistance is capped at ₹10.4L. Within that ceiling, the scheme refunds 100% of the annual service fee you pay on a CGTMSE-guaranteed loan, and it can do so for up to five years, provided the loan was sanctioned for an amount of up to ₹2 crore.
What exactly gets reimbursed under this scheme?
The annual service fee paid to the Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) on a collateral-free loan. The department refunds that fee in full rather than in part, and the refund can continue year after year for up to five years.
Who is eligible to apply?
A micro, small or medium enterprise in Gujarat that has already taken a collateral-free term loan carrying a CGTMSE guarantee. The fee reimbursement component is framed around micro and small enterprises holding such loans, while the umbrella MSME scheme also extends to medium firms.
What is the deadline for applying?
The scheme itself closed on August 6, 2025, so any claim must fall within that window. Separately, an individual application has to be submitted within 12 months of the term loan's first disbursement, or on or before the date commercial production starts, whichever is later.
Does the scheme take equity or a stake in my business?
No. This is a reimbursement of a fee you have already paid, not an investment, so there is no equity dilution, no shareholding and nothing to repay. The money simply comes back to you.
For how many years can I claim the fee reimbursement?
Up to five years. The support tracks the annual service fees you pay on the CGTMSE-backed loan across that period, subject to the overall ₹10.4L cap.
What is the largest loan for which the fee can be reimbursed?
Loans sanctioned by banks and financial institutions under CGTMSE up to ₹2 crore are covered. A loan above that amount does not qualify for reimbursement of its guarantee fee under this component.
How do I apply for this reimbursement?
Applications are made online through the Gujarat government's Investor Facilitation Portal (IFP). You begin with a new investor registration, verify your email through the link sent to you, then log in with your registered email and password to complete the form.
What do I need to submit with the application?
The online form asks for your business details along with the mandatory documents that the IFP application lists for upload. You fill in the required details and attach those documents before submitting the completed form.
Who runs this scheme and how long is it valid?
It is administered by the Industries and Mines Department, Government of Gujarat, as part of its wider MSME assistance framework. The scheme was operational from August 7, 2020 to August 6, 2025.
Is DPIIT recognition required for Gujarat MSME CGTMSE Fee Reimbursement — Up to ₹10.4L?
No. DPIIT (Startup India) recognition is not listed as a mandatory requirement for Gujarat MSME CGTMSE Fee Reimbursement — Up to ₹10.4L, though having it can strengthen your application and unlock other benefits.
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