Aatmanirbhar Gujarat Scheme for assistance to MSMEs: Assistance for Reimbursement of CGTMSE Fees
Industries and Mines Department, Government of Gujarat · Central government
Gujarat scheme reimburses 100% of annual CGTMSE service fees for collateral-free loans to Micro and Small Enterprises, for up to five years.
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, has introduced the Aatmanirbhar Gujarat Scheme for MSMEs to support the state's Micro, Small, and Medium Enterprises (MSME) sector, which contributes significantly to employment, GDP, and exports. The scheme is valid from October 5, 2022, to October 4, 2027, and aims to promote growth and new investments in line with the objectives of Aatmanirbhar Gujarat and Aatmanirbhar Bharat (Self-Reliant India).
One component of this scheme, titled "Assistance for Reimbursement of CGTMSE Fees," is designed for Micro and Small Enterprises (MSEs). It provides reimbursement of the annual service fees levied by banks or financial institutions on loans sanctioned under the Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) scheme. This measure reduces the cost of collateral-free credit, enabling MSEs to establish, expand, and operate without the need for traditional collateral, which often poses a hurdle for 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
- Available to Micro and Small Enterprises (MSEs). - Must have obtained a collateral-free term loan under the Credit Guarantee Scheme of CGTMSE. - Application must be submitted to the relevant District Industries Centre (DIC) within one year from the first disbursement of the loan or before the date of commencement of commercial production, whichever is later. - The enterprise must have already paid the annual service fee for the CGTMSE-backed loan.
How to apply
- **Step 1 (Registration):** Go to the Investor Facilitation Portal (IFP) and select "New Investor Registration" to open the registration form. - **Step 2 (Form Filling):** Provide all necessary information in the Registration Form and press "Submit." - **Step 3 (Email Verification):** Confirm your E-mail ID through the link dispatched to your registered E-mail address. - **Step 4 (Successful Registration):** Once verified, your registration is complete.
- **Step 5 (Login):** Return to the Investor Facilitation Portal (IFP) after registration and choose "Login." - **Step 6 (Enter Credentials):** Input the email address and password established during registration. - **Step 7 (Access Account):** Press the "Login" button to enter your account. - **Step 8 (Complete Application):** Provide the remaining required information and upload all compulsory documents pertaining to your business and the CGTMSE loan to finish the application.
How applications are assessed
The District Industries Centre (DIC) processes applications after checking them against the published eligibility criteria. These checks cover the applicant’s registration as a Micro or Small Enterprise, evidence of a collateral-free term loan obtained under the CGTMSE scheme, submission of the application within the prescribed time from loan disbursement or the start of commercial production, and confirmation that annual service fees have been paid.
Frequently asked questions
What is the Aatmanirbhar Gujarat Scheme for assistance to MSMEs: Assistance for Reimbursement of CGTMSE Fees?
The Industries and Mines Department, Gujarat, reimburses Micro and Small Enterprises (MSEs) for 100% of the annual service fees paid on collateral-free loans obtained under the central CGTMSE scheme, for up to 5 years.
Who is eligible to apply for this reimbursement scheme?
Micro and Small Enterprises (MSEs) that have obtained a collateral-free term loan under the CGTMSE scheme and have paid the annual service fee for that loan are eligible.
What is the application deadline for this scheme?
There is no fixed program-wide deadline. Eligible MSEs must apply to their District Industries Centre (DIC) within one year from the first disbursement of their CGTMSE-backed loan or before the date of commencement of commercial production, whichever is later.
What is the amount of reimbursement offered?
The scheme reimburses 100% of the annual service fee, which is typically 1.8% plus a risk premium for the first year and 0.85% for subsequent years, or as updated by the CGTMSE Trust/RBI. No maximum absolute amount is specified; the full percentage-based fee is covered.
How long is the reimbursement provided?
The annual service fee reimbursement is available for up to 5 years, counted from the date of the first disbursement of the CGTMSE-backed loan.
What are the key steps to apply for this scheme?
To apply, register on the Investor Facilitation Portal (IFP) of Gujarat, verify your email, and log in. Then complete the application by entering your business details and uploading the required documents.
Sectors
- Msme
- Gujarat
- Cgtmse
- Subsidy
- Reimbursement
- Collateralfree Loan
Details last verified on 3 August 2026. Source: the issuer's published information.