Mutual Credit Guarantee Scheme for MSMEs (MCGS-MSME)

Jaminan kerajaan 60% ke atas pinjaman bank kepada PMKS untuk membeli loji, jentera atau peralatan, termasuk PMKS sektor perkhidmatan; terma berasingan untuk unit pengeksport.

Dikendalikan oleh

Department of Financial Services, Ministry of Finance (operated by NCGTC)

Pembiayaan

Sehingga ₹1,00,00,00,000

Guarantees 60% of loans up to Rs 100 crore for plant/machinery/equipment. Exporters (25%+ exports for 3 years): loans up to Rs 20 crore with 75% cover.

Bahagian anda

Upfront contribution 5% of loan (partly refundable from year 4 if account performs); exporters 2% capped at Rs 40 lakh

Siapa boleh memohon

• MSME with valid Udyam Registration
• Equipment/machinery at least 60% of project cost (revised March 2026)
• Loan from a member lending institution
• Valid for loans sanctioned within 4 years of guidelines (from 2025) or until Rs 7 lakh crore guaranteed

Cara memohon

Mohon pinjaman peralatan atau jentera di bank atau pemberi pinjaman ahli; pemberi pinjaman akan memohon perlindungan jaminan daripada NCGTC.

Tempoh

Scheme window ~4 years from 2025 operational guidelines, or until cumulative guarantees reach Rs 7 lakh crore

Disemak pada

2026-10-11

Syarat kelayakan dipaparkan dalam bahasa Inggeris, seperti yang ditulis oleh sumber rasmi.

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