Lok Sabha Question No. 526 (UNSTARRED), answered on 2026-02-03
Subject: Credit Guarantee Scheme for Startups
Ministry: COMMERCE AND INDUSTRY
Asked by: Shri Dharmendra Yadav

## GOVERNMENT OF INDIA MINISTRY OF COMMERCE & INDUSTRY DEPARTMENT FOR PROMOTION OF INDUSTRY AND INTERNAL TRADE

## LOK SABHA

UNSTARRED QUESTION NO. 526.

TO BE ANSWERED ON TUESDAY, THE 03 RD  FEBRUARY, 2026.

## CREDIT GUARANTEE SCHEME FOR STARTUPS

## 526.   SHRI DHARMENDRA YADAV:

Will the Minister of COMMERCE AND INDUSTRY be pleased to state: वाणिज्य एवं उद्योग मंत्री

- (a) the number of startups provided credit guarantees under the Credit Guarantee Scheme for Startups (CGSS) since its inception so far alongwith the sector, year and State-wise, particularly Uttar Pradesh;
- (b) the number of pending, rejected and default cases thereof, State-wise;
- (c) the  number  of  Member  Lending  Institutions  (MLIs)  empanelled  under  the scheme and the sanctioned loan amount, guarantee utilization rate, NPA status and delay in claim settlement in this regard, State-wise;
- (d) whether the Government has identified areas, districts or social categories of entrepreneurs that are not covered by CGSS; and
- (e) if so, the details thereof and if not, the reasons therefor?

## ANSWER

## वाणिज्य एवं उद्योग मंत्रालय में राज्य मंत्री ( श्री णिणिन प्रसाद ) THE MINISTER OF STATE IN THE MINISTRY OF COMMERCE & INDUSTRY (SHRI JITIN PRASADA)

- (a): The  Credit  Guarantee  Scheme  for  Startups  (CGSS)  is  implemented  for enabling debt funding to startups through eligible financial institutions [Member Institutions (MIs)]. CGSS is operationalized by the National Credit Guarantee Trustee Company (NCGTC) Limited and has been operationalized from 1st April 2023.

As on 31st December 2025, 334 loans amounting to around Rs 808.18 crore have been guaranteed to startup borrowers under CGSS. The sector/industrywise  details  are  placed  as Annexure-I. The  year-wise  and  State/Union Territory-wise details, including for the State of Uttar Pradesh are placed as Annexure-II.

- (b) & (c): 5  accounts  amounting  to  Rs  13.08  crore  have  turned  into  Non-  Performing Assets  (NPA)  as  on  31 st  December  2025  under  CGSS.  No  claim  has been lodged for the same as on 31 st  December 2025 and hence, there has not been any delay in claim settlement. Further, with respect to the applications for loans

|        | under CGSS by startup borrowers, the MIs are responsible for assessing the feasibility and viability of the projects and compliance with the eligibility parameters of the Scheme before sanctioning need-based assistance to the startup borrowers, hence, the data pertaining to pending and rejection of cases would be maintained at the level of MI. MIs submit details of sanctioned/approved cases while applying for guarantee cover under the Scheme on NCGTC's portal.               |
|--------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| & (e): | All steps under the Startup India initiative including CGSS are inclusive and implemented on a pan-India basis with certain interventions for greater penetration amongst specific sections of the society.                                                                                                                                                                                                                                                                                    |
|        | Specifically in CGSS, for availing guarantee cover under the Scheme, while the Annual Guarantee Fee (AGF) to be paid by MI for each borrower is 2% per annum (p.a.) of the disbursement/outstanding amount, the MI pays a lower AGF of 1.5% p.a. for units from the Northeast region as well as those of women entrepreneurs. Further, to support startups in manufacturing, the AGF for lenders supporting startups in 27 Champion Sectors has also been reduced to 1% per annum from 2% p.a. |
|        | Further, the Startup Common Application Journey has been launched on the Jan Samarth Portal providing a single digital platform for startups from across the country to apply for loans and track their applications seamlessly through a unified digital journey.                                                                                                                                                                                                                             |

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## ANNEXURE-I

## ANNEXURE  REFERRED  TO  IN  REPLY  TO  PART  (a)  OF  THE  LOK  SABHA UNSTARRED QUESTION NO. 526 FOR ANSWER ON 03.02.2026.

The  sector/industry-wise  details  of  loans  guaranteed  for  startup  borrowers  as  on  31 st December 2025 are provided below:

| Sector/Industry                            |   Number of Loans Guaranteed |   Amount of loans guaranteed (in Rs. crore) |
|--------------------------------------------|------------------------------|---------------------------------------------|
| Aerospace & Defense                        |                           14 |                                      68.3   |
| Agri & Allied Activities                   |                           13 |                                      38.7   |
| Animal Feed                                |                            1 |                                       0.5   |
| Auto Components                            |                            7 |                                      26.2   |
| Automobiles                                |                           10 |                                      20.75  |
| Beverages                                  |                            2 |                                       2.5   |
| Cement And Cement Products                 |                            4 |                                      19.35  |
| Chemicals And Petrochemicals               |                            4 |                                      12.35  |
| Commercial Services & Supplies             |                           13 |                                      36.98  |
| Construction                               |                            7 |                                      32.85  |
| Consumer Durables                          |                           14 |                                      17.195 |
| Diversified                                |                            9 |                                      27.13  |
| Diversified FMCG                           |                            2 |                                      15     |
| Diversified Metals                         |                            2 |                                       4.5   |
| Electrical Equipment                       |                            9 |                                      24.375 |
| Electronic system design and manufacturing |                            1 |                                       1     |
| Engineering Services                       |                            2 |                                       2.06  |
| Entertainment                              |                            1 |                                       0.15  |
| Ferrous Metals                             |                            3 |                                       6.35  |
| Fertilizers And Agrochemicals              |                            2 |                                       3.5   |
| Finance                                    |                            1 |                                       2     |
| Financial Technology (Fintech)             |                            1 |                                       4     |
| Food & Other Products                      |                           21 |                                      35.256 |
| Food processing                            |                            1 |                                       4     |
| Gas                                        |                            1 |                                       0.2   |
| Healthcare Equipment & Supplies            |                            5 |                                       9.25  |
| Healthcare Services                        |                            2 |                                       1.25  |
| Household Products                         |                            1 |                                       1     |
| Industrial Manufacturing                   |                            8 |                                       3.611 |
| Industrial Products                        |                           10 |                                      27.828 |
| IT - Hardware                              |                            5 |                                       8.57  |

| IT - Services                     |   15 |   29.048 |
|-----------------------------------|------|----------|
| IT - Software                     |   23 |   52.105 |
| Leisure Services                  |    7 |   20.4   |
| Media                             |    2 |    1.7   |
| Metals & Minerals Trading         |    2 |    1.95  |
| Minerals & Mining                 |    2 |    8     |
| New and Renewable energy          |    2 |   23.75  |
| Non - Ferrous Metals              |    2 |    3.5   |
| Other Construction Materials      |    9 |   13.73  |
| Other Consumer Services           |   14 |   20.5   |
| Other Utilities                   |    9 |    9.75  |
| Paper, Forest & Jute Products     |    1 |    5     |
| Personal Products                 |    4 |    5.45  |
| Petroleum Products                |    3 |    5.7   |
| Pharmaceuticals & Biotechnology   |    6 |    6.23  |
| Power                             |   11 |   38.38  |
| Realty                            |    3 |    3.47  |
| Retailing                         |    3 |    7.5   |
| Telecom - Equipment & Accessories |    3 |    8.5   |
| Textiles & Apparels               |   26 |   55.214 |
| Transport Services                |   11 |   31.6   |
| Total                             |  334 |  808.18  |

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ANNEXURE-II ANNEXURE  REFERRED  TO  IN  REPLY  TO  PART  (a)  OF  THE  LOK  SABHA UNSTARRED QUESTION NO. 526 FOR ANSWER ON 03.02.2026.

The year and State/UT-wise details of loans guaranteed for startup borrowers as on 31 st December 2025 are provided below:

| State/UT          |   No. of loans guaranteed |   No. of loans guaranteed |   No. of loans guaranteed |   Amount of loans Guaranteed (in Rs. crore) |   Amount of loans Guaranteed (in Rs. crore) |   Amount of loans Guaranteed (in Rs. crore) |
|-------------------|---------------------------|---------------------------|---------------------------|---------------------------------------------|---------------------------------------------|---------------------------------------------|
| State/UT          |                      2023 |                      2024 |                      2025 |                                     2023    |                                     2024    |                                     2025    |
| Andhra Pradesh    |                         3 |                         7 |                         1 |                                        5.3  |                                        9.7  |                                        2    |
| Assam             |                         0 |                         4 |                         1 |                                        0    |                                        2.52 |                                       11.45 |
| Bihar             |                         0 |                         1 |                         0 |                                        0    |                                        0.28 |                                        0    |
| Chandigarh        |                         0 |                         1 |                         0 |                                        0    |                                        0.15 |                                        0    |
| Chhattisgarh      |                         0 |                         0 |                         2 |                                        0    |                                        0    |                                        0.65 |
| Delhi             |                         8 |                        14 |                         3 |                                       25.65 |                                       25.96 |                                        3.8  |
| Gujarat           |                         2 |                         2 |                         5 |                                        6.5  |                                        3    |                                       30.27 |
| Haryana           |                        12 |                        17 |                         7 |                                       25.25 |                                       58.17 |                                       37.27 |
| Jammu and Kashmir |                         2 |                         3 |                         1 |                                       10    |                                        4.35 |                                        5    |
| Karnataka         |                        15 |                        14 |                        15 |                                       30.16 |                                       37.18 |                                       29.18 |
| Kerala            |                         2 |                        12 |                         1 |                                        4.5  |                                       24.5  |                                        3    |
| Madhya Pradesh    |                         4 |                         1 |                         1 |                                        8.8  |                                        1    |                                        1    |
| Maharashtra       |                        19 |                        38 |                        18 |                                       59.75 |                                       64.99 |                                       45.53 |
| Odisha            |                         0 |                         0 |                         2 |                                        0    |                                        0    |                                        4.5  |
| Rajasthan         |                         4 |                         5 |                         1 |                                       11.8  |                                       20.5  |                                        0.6  |
| Tamil Nadu        |                         5 |                        21 |                         6 |                                        8.65 |                                       62    |                                       13.95 |
| Telangana         |                         1 |                         4 |                         0 |                                        0.3  |                                        5.17 |                                        0    |
| Uttar Pradesh     |                         6 |                        14 |                        10 |                                       18.12 |                                       20.86 |                                       13.13 |
| Uttarakhand       |                         0 |                         1 |                         0 |                                        0    |                                       10    |                                        0    |
| West Bengal       |                         2 |                        13 |                         3 |                                        6    |                                       30.75 |                                        5    |
| Total             |                        85 |                       172 |                        77 |                                      220.78 |                                      381.08 |                                      206.33 |

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ANNEXURE-III ANNEXURE REFERRED TO IN REPLY TO PARTS (b) & (c) OF THE LOK SABHA QUESTION NO. 526 FOR ANSWER ON 03.02.2026. The  State/UT-wise  details  of  the  outstanding  amount  from  accounts  turning  into  Non-

Performing Assets (NPA) as on 31st December 2025 are provided below:

| State/UT      |   No. of loans |   Outstanding amount (Rs. crore) | Member Institutions (MIs) which have provided the loans   |
|---------------|----------------|----------------------------------|-----------------------------------------------------------|
| Delhi         |              1 |                             1.18 | HDFC Bank                                                 |
| Haryana       |              1 |                             4.05 | HDFC Bank                                                 |
| Maharashtra   |              2 |                             7.46 | HDFC Bank, Bank of India                                  |
| Uttar Pradesh |              1 |                             0.39 | HDFC Bank                                                 |
| Total         |              5 |                            13.08 |                                                           |

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