Mutual Credit Guarantee Scheme for MSMEs (MCGS-MSME)
为中小微企业购买厂房、机器或设备的银行贷款提供 60% 的政府担保，包括服务业企业；出口企业另有条款。
- 主管机构
- Department of Financial Services, Ministry of Finance (operated by NCGTC)
- 资助
- 最高 ₹1,00,00,00,000Guarantees 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.
- 您需承担
- Upfront contribution 5% of loan (partly refundable from year 4 if account performs); exporters 2% capped at Rs 40 lakh
- 申请资格
- 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
- 如何申请
- 向成员银行或贷款机构申请设备或机器贷款；由贷款机构向 NCGTC 申请担保。
- 时间
- Scheme window ~4 years from 2025 operational guidelines, or until cumulative guarantees reach Rs 7 lakh crore
- 最后核实
- 2026-10-11
申请资格以英文显示，与官方来源原文一致。