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Credit Guarantee Scheme for Start‑ups (CGSS)

With Axis Bank’s specialized startup solutions, we support your financial needs through structured banking and government‑backed programs—so you can stay focused on innovation and growth.

A Government of India initiative designed to support eligible start‑ups with collateral‑free funding/financing.

Program highlights – Collateral‑Free Debt Funding

  • Collateral‑free credit facilities up to ₹20 crore.
  • Guarantee cover provided by the National Credit Guarantee Trustee Company (NCGTC).
  • Nominal guarantee fee of 1–2%, as per scheme norms.
  • Available to DPIIT‑recognized start‑ups.
Eligibility Documentation

Eligibility

  • Eligible constitutions include Partnership Firms, Limited Liability Partnerships (LLPs), and Private Limited Companies
  • DPIIT recognition recommended (certificate preferred, but not mandatory at the initial stage)
  • No history of default s with any financial institution or investor
  • Not classified as a Non‑Performing Asset (NPA) under RBI guidelines
  • Demonstrated stable revenue visibility, supported by audited monthly statements for the past 12 months
  • Compliance with all additional CGSS scheme requirements

Documentation

  • Account Opening Form
  • KYC documents as per the entity’s constitution
  • Officially Valid Documents (OVDs) of authorised signatories and beneficial owners
  • Beneficial Ownership Declaration
  • FATCA declaration
  • Undertaking on existing credit exposure
  • DPIIT Certificate (optional, but recommended)
  • Any additional documents or annexures as required under prevailing credit norms
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How Axis Bank supports start-ups

  • As a Member Institution (MI), Axis Bank manages the entire CGSS application process, offering start‑ups a seamless and guided experience.
  • Founders are supported by a dedicated start‑up banking team for documentation, onboarding, and scheme‑related guidance.
  • This end‑to‑end support allows start‑ups to stay focused on scaling their business, while Axis Bank takes care of the financial processes.
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