Startups · GOVERNMENT SUPPORT
CGSS
Credit Guarantee Scheme for Startups
A credit-guarantee framework intended to improve access to debt facilities for eligible startups through participating lenders.
AT A GLANCE
Key numbers
Maximum Guarantee
₹20 Crore per borrower
Coverage ≤ ₹10 Cr Loan
85% of default
Coverage > ₹10 Cr Loan
75% of default
Maximum Guarantee
₹20 Crore per borrower
Coverage ≤ ₹10 Cr Loan
85% of default
Coverage > ₹10 Cr Loan
75% of default
Route
Participating lenders
ELIGIBILITY
Who can explore this scheme?
Use these points as a first-level guide to understand whether the scheme may be relevant to your business or project.
Need help checking your fit?
Share your business context with us and we can help you understand the relevant preparation areas.
Discuss your requirement →Eligible Startup
The startup must satisfy the applicable eligibility requirements.
Credit Requirement
The business should have a defined debt requirement.
Lender
The facility is processed through applicable participating lenders.
SCHEME BENEFITS
What this pathway can offer.
These are the key areas of support associated with this programme. Actual benefits remain subject to applicable scheme rules and approval.
Credit guarantee framework for eligible startups
Can improve access to debt
Supports startup financing pathways
Relevant for founders exploring non-equity capital
POTENTIAL BENEFICIARIES
Who this may be relevant for.
Eligible startups
Startups exploring debt financing
Founders seeking structured credit
Businesses preparing for lender discussions
BEFORE YOU APPLY
Information you should have ready.
Startup incorporation information
Founder details
Financial statements or projections
Funding requirement
Business documentation
Lender-specific documents
MARKET DECODE SUPPORT
We help you prepare before you apply.
The right scheme is only the starting point. We help founders and businesses organise the information, documentation and preparation required to move towards the application process.
Advisory support, not an approval promise.
Our role is to help you prepare. Final eligibility, approval, sanction and disbursement remain outside Market Decode's control.
Startup Readiness
We help organise the startup information required for lender discussions.
Financial Preparation
We support relevant financial preparation and presentation.
Documentation
We help organise lender-ready supporting documentation.
APPLICATION JOURNEY
From understanding the scheme to moving forward.
Assess
Understand the startup's funding requirement and potential fit.
Prepare
Organise startup, business and financial information.
Lender
Proceed through the applicable participating lender.
Review
The lender evaluates the credit proposal.
IMPORTANT GUIDANCE
Guidance and preparation support — not an approval guarantee.
Market Decode provides advisory, documentation, financial-preparation and application-readiness support. We do not approve, sanction or disburse government benefits, subsidies or loans. Final eligibility, scrutiny, approval, sanction and disbursement are solely determined by the relevant government authority, bank, lender or participating institution. Our support does not guarantee eligibility, approval, subsidy, loan sanction or funding.
READY TO EXPLORE THIS PATHWAY?
Let's understand whether this scheme fits your business.
Share your business context with Market Decode and start with a conversation about eligibility, preparation and the next steps.