Aatmanirbhar Gujarat Scheme for assistance to MSMEs: Assistance for Reimbursement of CGTMSE Fees
Industries and Mines Department, Government of Gujarat · Central government
Gujarat reimburses 100% of annual CGTMSE service fees for five years on collateral-free loans to Micro and Small Enterprises.
Open, rolling. Applications are accepted continuously — there is no deadline.
Key facts
- Subsidy amount
- Not specified
- Instrument
- Subsidy
- Deadline
- Rolling
- Disbursement
- Reimbursed after spend
- Scheme duration
- 5 years
About this scheme
The Industries and Mines Department, Gujarat, runs the Aatmanirbhar Gujarat Scheme for MSMEs. The scheme supports the state's MSME sector, which contributes significantly to employment, GDP and exports in Gujarat. It came into force on October 5, 2022, and remains valid until October 4, 2027. Its purpose is to encourage growth and fresh investment, in keeping with the aims of Aatmanirbhar Gujarat and Aatmanirbhar Bharat (Self-Reliant India).
One component of the scheme, "Assistance for Reimbursement of CGTMSE Fees," is meant for Micro and Small Enterprises (MSEs). Under this component, the annual service fees levied by banks or financial institutions on loans sanctioned through the Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) scheme are reimbursed.
By meeting this cost, the government seeks to ease MSEs' access to credit. The reimbursement supports these enterprises in setting up, expanding and running their operations without having to furnish traditional collateral, which is a major hurdle for many small businesses.
Who can apply
- Eligible business forms
- Private limited company, Limited liability partnership, One person company, Partnership firm, Sole proprietorship
- Udyam registration
- Not specified
- MSME registration
- Required
- DPIIT startup recognition
- Not specified
- GST registration
- Not specified
- Where the business may be based
- Gujarat
Eligibility conditions:
- The applicant must be a Micro or Small Enterprise (MSE). - The applicant must have taken a collateral-free term loan under the Credit Guarantee Scheme of CGTMSE. - The application must be submitted to the concerned District Industries Centre (DIC) either within one year of the first disbursement of the loan or before the date of commencement of commercial production, whichever falls later. - The annual service fee for the CGTMSE-backed loan must already have been paid by the enterprise.
How to apply
1. **Registration:** Go to the Investor Facilitation Portal (IFP) and select "New Investor Registration" to open the registration form. 2. **Filling the form:** Provide all the details sought in the Registration Form, then select "Submit." 3. **Verifying email:** Use the link sent to your registered E-mail address to verify your E-mail ID. 4. **Registration complete:** Your registration is successful once verification is done. 5. **Login:** Once registered, return to the Investor Facilitation Portal (IFP) and select "Login." 6. **Entering credentials:** Key in the email address and password chosen at the time of registration. 7. **Accessing the account:** Select the "Login" button to reach your account. 8. **Finishing the application:** Supply the remaining required details and upload every mandatory document concerning your business and the CGTMSE loan to complete the application process.
How applications are assessed
Eligibility is assessed against the published criteria. These cover whether the applicant qualifies as a Micro or Small Enterprise, evidence that a collateral-free term loan was obtained under the CGTMSE scheme, whether the application was filed within the permitted window relative to loan disbursement or commencement of commercial production, and confirmation that annual service fees have been paid. Processing of applications rests with the District Industries Centre (DIC).
Frequently asked questions
What is the Aatmanirbhar Gujarat Scheme for assistance to MSMEs: Assistance for Reimbursement of CGTMSE Fees?
Gujarat's Industries and Mines Department reimburses Micro and Small Enterprises the full annual service fee on collateral-free loans obtained under the central government's CGTMSE scheme, covering 100% of the cost for up to five years.
Who is eligible to apply for this reimbursement scheme?
Micro and Small Enterprises (MSEs) qualify if they have obtained a collateral-free term loan under the CGTMSE scheme and have paid the annual service fee on that loan.
What is the application deadline for this scheme?
The deadline is not fixed programme-wide: eligible MSEs must apply to their District Industries Centre (DIC) either within one year of the first disbursement of their CGTMSE-backed loan or by the date commercial production begins, whichever falls later.
What is the amount of reimbursement offered?
The scheme reimburses the annual service fees in full — typically 1.8% plus risk premium in the first year and 0.85% thereafter, or as revised by the CGTMSE Trust or RBI — with no maximum absolute amount specified, since the entire percentage-based fee is covered.
How long is the reimbursement provided?
CGTMSE-backed loans qualify for annual service fee reimbursement for up to five years, counted from the date of first disbursement.
What are the key steps to apply for this scheme?
Applications are submitted wholly online through Gujarat's Investor Facilitation Portal (IFP): register on the portal, verify your email, then log in to enter the required business details and upload the mandatory documents.
Sectors
- Msme
- Gujarat
- Cgtmse
- Subsidy
- Reimbursement
- Collateralfree Loan
Details last verified on 18 September 2026. Source: the issuer's published information.