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Business & Entrepreneurship

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.

Authority

State/ UT

Region

Gujarat

Status

Verified 2026

Updated

March 2026

What you get

- 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.

Who can apply

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.

Required Paperwork

  • Aadhaar Card
  • PAN Card
  • Income Certificate
  • Residence Proof (Domicile)

Common Questions

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.