Collateral-free loans with up to 95 per cent guarantee cover for micro and small units in Delhi

Delhi's scheme, published by the Department of Industries, adds state cover on top of the central CGTMSE guarantee for eligible loans sanctioned on or after 1 February 2026. There is no separate form: the bank picks the DCGS option when it applies for the guarantee. Agriculture and self-help groups are not covered.

New and existing micro and small enterprises in Delhi, in manufacturing, services, retail or wholesale trade, and education and training

• Total cover of 95 per cent: CGTMSE gives 75 per cent and Delhi adds 20 per cent for most loans above ₹5 lakh, up to ₹10 crore
• Micro loans up to ₹5 lakh, and loans to ZED certified, SC, ST, disabled and aspirational district units, get 85 per cent from CGTMSE and 10 per cent from Delhi. Women and Agniveer-promoted units get 90 per cent and 5 per cent
• Loans up to ₹10 crore, term loan or working capital, without collateral or a third party guarantee, subject to the bank's appraisal
• No extra fee for the higher cover. The usual CGTMSE annual guarantee fee of 0.37 to 1.20 per cent a year applies, with a 10 per cent concession for women, SC, ST, disabled, ZED certified and aspirational district units

• A micro or small enterprise in Delhi
• A loan from a CGTMSE member lender: banks, small finance banks, regional rural banks, some co-operative banks and NBFCs
• A loan sanctioned on or after 1 February 2026

Apply for the loan at an eligible CGTMSE member lender. The lender selects the DCGS option when it files the guarantee application; you make no separate application to the department.

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• ProblemGovernment schemes are hard to understand