Credit Guarantee for Startups
Credit Guarantee Scheme for Startups
Government guarantee on loans and venture debt to DPIIT-recognised startups from banks, NBFCs and AIFs.
Up to ₹20 CroreFunding supportUp to 85% guaranteeIncentivencgtc.inOfficial portal
Who can apply
- DPIIT-recognised startup
- Stable revenue stream audited for 12 months
- Not in default / NPA
- Loan from an eligible member institution
Key benefits
- Collateral-free debt
- Guarantee up to 85% for loans up to ₹10 Cr, 75% above
- Extends runway without dilution
Documents needed
- DPIIT certificate
- Audited financials
- Board resolution
- Business plan
How to apply
- Approach member lender
- Lender sanctions and seeks NCGTC cover
- Guarantee issued
Am I eligible for Credit Guarantee for Startups?
1What are you looking for?
2What's your business type?
3How much funding do you need?
4How old is the business?
5Owner category
Frequently asked
Can a pre-revenue startup use it?
Generally no — lenders expect at least 12 months of revenue.
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Information summarised from official guidelines; limits change — always verified against ncgtc.in before filing.