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Aatmanirbhar Gujarat Scheme for assistance to MSMEs: Assistance for Reimbursement of CGTMSE Fees

The "Aatmanirbhar Gujarat Scheme for assistance to MSMEs" aims to empower the state's dynamic MSME sector, which significantly contributes to employment, GDP, and exports.

Ministry / Department
Industries and Mines Department
Level
State
Benefit type
other
Last verified: 18 Jun 2026

What is Aatmanirbhar Gujarat Scheme for assistance to MSMEs: Assistance for Reimbursement of CGTMSE Fees?

The "Aatmanirbhar Gujarat Scheme for assistance to MSMEs" aims to empower the state's dynamic MSME sector, which significantly contributes to employment, GDP, and exports.

Benefit
• Reimbursement of Fees: 100% reimbursement of the annual service fees paid to banks or financial institutions for collateral-free loans under CGTMSE for a period of 5 years. • Annual Service Fees: 1st Year-1.8% + Risk Premium; 2nd Year onwards:0.85%or as amended by CGTMSE (Credit Guarantee Fund Trust for Micro and Small Enterprise) Trust/RBI from time to time.
Level
State — Gujarat
Ministry / Dept.
Industries and Mines Department
Benefit type
other
Key eligibility
The scheme is open to Micro and Small Enterprises (MSEs) that have availed a collateral-free term loan under the Credit Guarantee Scheme of CGTMSE.
Last verified
18 Jun 2026

Overview

The "Aatmanirbhar Gujarat Scheme for MSMEs" is an umbrella scheme launched by the Industries and Mines Department, Gujarat. It aims to empower the state's dynamic MSME sector, which significantly contributes to employment, GDP, and exports. Effective from October 5, 2022, to October 4, 2027, this initiative supports growth, investments, and the vision of "Aatmanirbhar Gujarat" and "Aatmanirbhar Bharat."

The component "Assistance for Reimbursement of CGTMSE Fees" aims to provide financial support to Micro and Small Enterprises (MSEs) by reimbursing the annual service fees charged by banks or financial institutions for collateral-free loans under the Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) scheme.

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Benefits

  • Reimbursement of Fees: 100% reimbursement of the annual service fees paid to banks or financial institutions for collateral-free loans under CGTMSE for a period of 5 years.
  • Annual Service Fees: 1st Year-1.8% + Risk Premium; 2nd Year onwards:0.85%or as amended by CGTMSE (Credit Guarantee Fund Trust for Micro and Small Enterprise) Trust/RBI from time to time.

Eligibility

  • The scheme is open to Micro and Small Enterprises (MSEs) that have availed a collateral-free term loan under the Credit Guarantee Scheme of CGTMSE.
  • The MSE must apply to the concerned 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 paid the annual service fee for the CGTMSE-backed loan.
Area: GujaratBenefit: other

Documents Required

  • Printed copy of the application along with declaration and undertaking in the application form signed by an authorized person, including their designation and name with the enterprise's stamp.
  • Copy of acknowledgment of Udyog Aadhaar / Udyam Registration.
  • Copy of term loan sanction letter.
  • Copy of term loan account statement / bank certification of first disbursement certificate.
  • Copy of the constitution of the enterprise (registered partnership deed for partnerships).
  • Copy of DPR of the enterprise (for projects up to ₹5 crores); for projects above ₹5 crores, DIC will ask for a bank appraisal report.
  • Shop & Establishment Certificate (for service sector enterprises in municipal corporations).
  • Copy of GST registration (if applicable).
  • Copy of PAN card of the enterprise.
  • Copy of ITR for the last financial year showing plant & machinery value (new enterprises must submit a self-declaration for the first time).
  • Copy of birth certificate/school leaving certificate (for entrepreneurs under 35 years as of the bank loan sanction date).
  • Copy of caste certificate from a competent authority.
  • Copy of certificate for differently abled persons from a competent authority.
  • Copy of CTE issued by the GPCB (if applicable).
  • Self-certified/certified copy of documents such as 7/12 Utara, Namuna 6, copy of index, property card, etc. (any one).
  • NA permission (if applicable).
  • Copy of notarized rent deed (agreement) with the owner's proof/affidavit for ownership of land/property.
  • Copy of lease deed (agreement) with the owner's proof of ownership of land/property.
  • Copy of the property tax receipt (for service activities).
  • Board resolution for signing authority (in case of partnerships, LLPs, Pvt. Ltd., or Limited Companies).
  • Declaration and undertaking regarding other investments in Gujarat.
  • Annexure of the balance sheet showing the gross fixed capital investment of the previous financial year.
  • CA certificate showing the gross fixed capital investment before initiating expansion/diversification/forward or backward integration.

How to Apply

  1. Step 1: Online — Step 1

    Visit the Investor Facilitation Portal (IFP) portal. Click on "New Investor Registration" to access the registration form.

  2. Step 2: Online — Step 2

    Fill in the Registration Form. Click on "Submit".

  3. Step 3: Online — Step 3

    Verify the E-mail ID using the link sent on your registered E-mail ID.

  4. Step 4: Online — Step 4

    After verification, you will be registered successfully. <br> > Post-Registration Process:

  5. Step 1: Online — Step 1

    Visit the Investor Facilitation Portal (IFP) portal. Click on "Login".

  6. Step 2: Online — Step 2

    Enter the email address and password you used during registration.

  7. Step 3: Online — Step 3

    Click the "Login" button to access your account.

  8. Step 4: Online — Step 4

    Now fill in the required details and mandatory documents about your business to complete the application process. <br> > Helpdesk: Contact Here

FAQ

What is the "Aatmanirbhar Gujarat Scheme for Assistance to MSMEs"?

The "Aatmanirbhar Gujarat Scheme for Assistance to MSMEs" is a state initiative designed to support and strengthen the MSME sector in Gujarat. It aims to enhance growth, encourage investments, and contribute to the vision of self-reliant Gujarat and India.

When is the scheme operative?

The scheme is operative from October 5, 2022, to October 4, 2027, covering a period of five years.

What are the objectives of the scheme?

The scheme aims to boost MSME growth, enhance the industrial ecosystem, encourage investments, and contribute to Gujarat's and India's self-reliance vision.

What are some initiatives included in the scheme?

The scheme includes the establishment of new industrial estates, sector-specific parks, and infrastructure projects, along with amendments to the Gujarat Industrial Policy 2020 to further support MSME growth.

Who is eligible to benefit from the scheme?

MSMEs established and operating within Gujarat are eligible to benefit from the scheme, as per the criteria defined in the policy framework.

What is the primary purpose of the "Assistance for Reimbursement of CGTMSE Fees" component?

The scheme aims to support Micro and Small Enterprises (MSEs) by reimbursing the annual service fees paid for availing collateral-free loans under the CGTMSE scheme.

Who is eligible to apply for this scheme?

Micro and Small Enterprises (MSEs) engaged in manufacturing or allied activities and availing collateral-free term loans under CGTMSE are eligible.

What activities are excluded from the scheme?

Enterprises involved in service or trading activities are not eligible under this scheme.

How much of the service fee is reimbursed under the scheme?

The scheme provides 100% reimbursement of the annual service fees charged by banks or financial institutions for CGTMSE-backed loans.

For how long can an enterprise receive assistance under the scheme?

Eligible enterprises can receive reimbursement for a period of 5 years.

What is the deadline to apply for the reimbursement?

Applications must be submitted within one year from the first disbursement of the loan or before the commencement of commercial production, whichever is later.

Can enterprises apply for reimbursement for loans availed under previous schemes?

Yes, eligible enterprises can claim reimbursement for expenditures incurred during the operative period of the previous scheme, as per the guidelines.

What is CGTMSE, and how does it support MSEs?

CGTMSE (Credit Guarantee Fund Trust for Micro and Small Enterprises) facilitates collateral-free loans to MSEs, helping them secure financial assistance without the need for traditional security.

Sources & References

Ready to apply?

Applications are accepted only on the official government portal.

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