Startup loans without collateral

Under the Credit Guarantee Scheme for Startups, banks, NBFCs and venture-debt funds can lend to DPIIT-recognised startups without collateral, with the government guaranteeing most of the loss.

Check your own eligibility in 2 minutesFree · no credit-score enquiry · lender-wise amount, rate and EMI

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Starting rates today

Lender	Type	Rate range	Up to	Min score
State Bank of India Startup loan without collateral	Public Sector Bank	10.25% – 12.50%	₹20 Cr	650
HDFC Bank Startup loan without collateral	Private Bank	10.75% – 13.50%	₹20 Cr	650
ICICI Bank Startup loan without collateral	Private Bank	10.75% – 13.50%	₹20 Cr	650
SIDBI Startup loan without collateral	Development FI	10.75% – 13.50%	₹20 Cr	650
Axis Bank Startup loan without collateral	Private Bank	11.00% – 13.50%	₹20 Cr	650
Kotak Mahindra Bank Startup loan without collateral	Private Bank	11.00% – 14.00%	₹20 Cr	650
Tata Capital Startup loan without collateral	NBFC	15.00% – 26.00%	₹20 Cr	650

As on 26 Oct 2026, RBI repo rate 5.50%. Indicative ranges; your rate depends on your profile.

Who is eligible

DPIIT recognition
Stable revenue or investor backing – lenders still look at repayment
Not in default with any lender

How much you can get

Cover up to ₹20 crore per borrower
Guarantee covers about 85% of the default up to ₹10 crore, 75% above
Annual guarantee fee about 1% in champion sectors

Documents

DPIIT certificate
Cap table and investor agreements
Financials and MIS
Business plan with cash-flow projections

Tips from our credit panel

Pre-revenue startups are better served by venture debt from AIFs, also eligible under CGSS
Profitable startups with Udyam registration may get a cheaper bank loan under CGTMSE

Common questions

Who can lend under CGSS?

Scheduled commercial banks, all-India financial institutions, NBFCs and SEBI-registered AIFs.

What is the maximum CGSS cover?

₹20 crore per borrower, raised from ₹10 crore in 2025.