What is the purpose of Bank Guarantee Charges Reimbursement Scheme?

Bank Guarantee Charges Reimbursement Scheme is a government welfare initiative designed to support Infra, Business Entity through benefits related to Business & Entrepreneurship, financial assistance, subsidies, social welfare, healthcare, education, or livelihood support.

Who can apply for Bank Guarantee Charges Reimbursement Scheme?

Eligibility for Bank Guarantee Charges Reimbursement Scheme may depend on factors such as income category, age, gender, occupation, state of residence, social category, and government-defined beneficiary criteria.

What benefits are offered under Bank Guarantee Charges Reimbursement Scheme?

Benefits under Bank Guarantee Charges Reimbursement Scheme may include financial assistance, subsidies, scholarships, insurance support, healthcare benefits, pension support, training assistance, or welfare services depending on the scheme guidelines.

Which department manages Bank Guarantee Charges Reimbursement Scheme?

Bank Guarantee Charges Reimbursement Scheme is managed by Ministry Of Micro, Small and Medium Enterprises and may be implemented through district offices, online portals, CSC centres, banks, or authorised government agencies.

Can users apply online for Bank Guarantee Charges Reimbursement Scheme?

Yes, eligible applicants may be able to apply online for Bank Guarantee Charges Reimbursement Scheme through official government portals, authorised service centres, or digital application systems depending on the implementation process.

Is Aadhaar mandatory for Bank Guarantee Charges Reimbursement Scheme?

Many government schemes may require Aadhaar verification, identity proof, or linked bank account details for beneficiary validation and direct benefit transfer processing.

Where can users apply for Bank Guarantee Charges Reimbursement Scheme?

Applications for Bank Guarantee Charges Reimbursement Scheme may be submitted through government departments, official scheme portals, CSC centres, district offices, welfare departments, or authorised service centres.

What documents may be required for Bank Guarantee Charges Reimbursement Scheme?

Applicants may need Aadhaar card, income certificate, residence proof, bank account details, caste certificate, photographs, educational records, or occupation-related documents depending on scheme eligibility requirements.

Is Bank Guarantee Charges Reimbursement Scheme a central government scheme?

Yes, Bank Guarantee Charges Reimbursement Scheme is a central government welfare initiative that may be implemented across multiple states through authorised departments and agencies.

Does Bank Guarantee Charges Reimbursement Scheme provide business loan or startup assistance?

Bank Guarantee Charges Reimbursement Scheme may support entrepreneurs, startups, self-employed individuals, MSMEs, or small businesses through financial assistance, subsidies, credit support, or training initiatives.

Is collateral required under Bank Guarantee Charges Reimbursement Scheme?

Collateral requirements may vary depending on the loan amount, implementing agency, financial institution, and government subsidy structure.

Can CSC centres help users apply for Bank Guarantee Charges Reimbursement Scheme?

Many government schemes may be accessible through nearby CSC centres, authorised digital service centres, or welfare facilitation offices.

How can users check the latest updates for Bank Guarantee Charges Reimbursement Scheme?

Users should verify official notifications, department announcements, application deadlines, and eligibility updates through authorised government portals or implementing agencies.

Can beneficiaries track application status for Bank Guarantee Charges Reimbursement Scheme?

Certain schemes may provide online application tracking, beneficiary verification systems, or status-check facilities through official portals.

Where can users get help for Bank Guarantee Charges Reimbursement Scheme in All India?

Users in All India may seek assistance through CSC centres, district welfare offices, government departments, agriculture offices, social welfare departments, or authorised facilitation centres.

Which nearby public services may help with Bank Guarantee Charges Reimbursement Scheme applications?

Depending on the scheme, users may require support from Aadhaar centres, CSC centres, banks, hospitals, post offices, or government welfare offices for document verification and application assistance.

Bank Guarantee Charges Reimbursement Scheme – eligibility, benefits & apply

Scheme profile

DBT (direct benefit transfer): No

Categories: Business & Entrepreneurship

Target beneficiaries: Business Entity

Tags: Financial Assistance, Reimbursement, Business, Enterpreneurship

Details

Under the the Ministry Of Micro, Small & Medium Enterprises, Bank Guarantee Charges Reimbursement Scheme is a sub scheme under National Scheduled Caste and Scheduled Tribe Hub (NSSH) scheme. In this reimbursement is provided to SC/ST MSEs on bank charges paid to the bank for issuance of Performance Bank Guarantee (PBG) in favor of the buyer departments from where some work has been awarded to such MSEs.

Benefits

- The assistance under this scheme will be limited to 80% or ₹1,00,000/- (excluding GST and all other applicable taxes), whichever is less, on PBG charges paid in a financial year

The assistance under this scheme will be limited to 80% or ₹ 1,00,000/- (excluding GST and all other applicable taxes), whichever is less, on PBG charges paid in a financial year.

Eligibility

Applicant should belong to the Scheduled Caste / Scheduled Tribe category.
He/she should represent/own any MSEs unit.
MSEs availing loans from any Scheduled Commercial Banks, Non-Banking Finance Companies (NBFCs), and State Finance Corporations will be considered under the scheme.

How useful is this scheme?

Public benefit analysis

A practical look at this scheme for citizens

AI-generated insights showing how useful, accessible, and practical this scheme may be — combining deterministic scoring rules with a public-policy LLM analyst.

6.7

/ 10

Public Benefit Score

Accessibility 5.0/10 Moderate

Rural usefulness 5.0/10 Moderate

Application complexity 3.0/10 Good

Financial impact 9.0/10 Good

Literacy barrier 5.0/10 Moderate

Women inclusivity 6.0/10 Moderate

Awareness 7.5/10 Good

Implementation reliability 7.0/10 Good

Bigger shape means a better fit for citizens

Accessibility5.0
Financial impact9.0
Rural utility5.0
Awareness7.5
Simplicity7.0
Inclusivity6.0

What problem does this scheme solve?

The scheme provides financial assistance to SC/ST MSEs for bank guarantee charges, promoting entrepreneurship among marginalized communities.

Key challenges addressed

High bank guarantee charges for SC/ST MSEs

Most beneficial for

Scheduled Caste and Scheduled Tribe entrepreneurs

Likely challenges

Digital literacy and access to online application

Practical insights for citizens

Practical for those with access to digital resources but challenging for the less literate and digitally connected.

Rural challenges

Limited internet access
Lack of awareness about the scheme

Digital challenges

Dependence on online application process
Need for digital literacy

Implementation bottlenecks

Verification of caste certificates
Awareness of eligibility criteria

Awareness challenges

Low awareness among target beneficiaries

Application analysis

Application mode: Online portal
Documents burden: Moderate, requires several documents for verification
Verification complexity: Moderate, involves checking multiple eligibility criteria
Office dependency: Low, primarily online
DBT dependency: No
CSC support: Available for assistance
Estimated citizen effort: Moderate, requires online registration and document submission

Estimated beneficiary reach

Rural / urban reach Moderate
Gender reach Moderate
Occupation reach Business Entities

Benefit analysis

Benefit type: Cash
Benefit frequency: Annual, based on financial year
Benefit practicality: Practical, but limited to a maximum of ₹ 1,00,000
Financial meaningfulness: Moderate, as it covers a significant portion of bank guarantee charges
Long-term impact: Potentially positive for SC/ST entrepreneurship growth

Plain-language guidance

This scheme helps SC/ST businesses by reimbursing part of their bank guarantee charges. Eligible applicants can apply online to receive financial support.

Who should apply: Scheduled Caste and Scheduled Tribe business owners.
Who may struggle: Those with limited digital skills or access to the internet.
Best application route: Apply via the official National SC-ST Hub website or seek help from local CSC.

This intelligence section is generated by an AI policy analyst combined with rule-based scoring. Scores and narrative are estimates derived from the publicly available scheme information shown on this page; actual experience may vary by state, district, and department. Always confirm details on the official portal before you apply.

Application Process

Online

Step 1: The applicant must visit the official portal of the National SC-ST Hub.
Step 2: The applicant must click on the "Scheme name" and then click on “Sign Up” and register using basic details such as name, email ID, and mobile number.
Step 3: The applicant must create a password and complete the registration process.
Step 4: The applicant must log in using the registered credentials.
Step 5: The applicant must fill in the required details and submit the application online.

Clarifications

Additional points from the scheme information published on myScheme (not legal advice).

What is Bank Guarantee Charges Reimbursement Scheme for Scheduled Caste / Scheduled Tribe?: Bank Guarantee Charges Reimbursement Scheme for Scheduled Caste / Scheduled Tribe is a sub scheme under NSSH. Under this scheme , reimbursement is provided to SC/ST MSEs on bank charges paid to the bank for issuance of Performance Bank Guarantee (PBG) in favor of the buyer departments from where some work has been awarded to such MSEs.
What benefits can be availed under the scheme?: The assistance under this scheme will be limited to 80% or ₹ 1,00,000/- (excluding GST and all other applicable taxes), whichever is less, on PBG charges paid in a financial year.
Is there a limitation on availing the benefits of this scheme?: No. The benefits can be availed multiple times in a financial year by SC/ST MSEs, but the financial assistance shall be restricted to the ceiling which is ₹ 1,00,000 (excluding GST and other applicable taxes)
Against which charges benefit is provided under the scheme?: The charges paid for Performance Bank Guarantee (PBG) obtained from any Financial Institutions (Scheduled Commercial Banks) that were stipulated by and/or acceptable to the buyer department are eligible for reimbursement under the Scheme.
Who are eligibile for the scheme ?: Applicant should belong to the Scheduled Caste / Scheduled Tribe category.He/she should represent/own any MSEs unit.MSEs availing loans from any Scheduled Commercial Banks, Non-Banking Finance Companies (NBFCs), and State Finance Corporations will be considered under the scheme.
How can applican apply to avail benefit under the scheme?: Applicant can apply online on National SC-ST website www.scsthub.in or visit the nearest CSC-VLEs to apply online.
What documents are required to get the scheme benefits ?: Self-certified copy of Udyam Registration (UR) & GST (if applicable). 2. Self-certified copy of PAN Card in case of proprietorship, PAN card of SC/ST proprietor ought to be submitted. 3. Copy of Caste Certificate of proprietor/ all partners/ directors. 4. Details of shareholding in case of partnership / Pvt. Ltd / LLP firm. In case of partnership concerns, shareholding of the enterprise would be required to ascertain status of the MSE as SC/ST MSE (shareholding of SC/ST entrepreneur to be > 51%). Copy of Partnership Deed for Partnership Firm / Memorandum and Article of Association in case of LLP/Private Limited Company are required. 5. Bank attested (signature with stamp) debit statement with Performance Bank Guarantee (PBG )charges mentioning Bank Guarantee number and applicant MSE's name. 6. Bank attested and stamped(signature with stamp) copy of Performance Bank Guarantee (PBG ) issued by the bank. 7. Cancelled Cheque of the current account of the enterprise from which Bank Charges have been debited. 8. Proof of transferred amount as reimbursement by NSSHO/ NSIC through PFMS under the scheme, where any such assistance is availed earlier with in the same financial year. 9. Supply Order / Purchase Order/ Work Order from CPSE / Central Govt. organization / Department / State PSE, State Govt. organization / State Department against which PBG is taken and reimbursement is applied for, stating the requirement ofn PBG submission.
What details are need to provide while registration?: For registration click on sign-up and provide the following details 1. Full Name. 2. Valid Email ID. 3. Mobile Number. 4. Password and confirm password

Official links

References

Guidelines: https://www.scsthub.in/sites/default/files/schemes/NSSH_Guidelines_Sub_scheme__0.pdf

Frequently asked questions

What is the purpose of Bank Guarantee Charges Reimbursement Scheme?: Bank Guarantee Charges Reimbursement Scheme is a government welfare initiative designed to support Infra, Business Entity through benefits related to Business & Entrepreneurship, financial assistance, subsidies, social welfare, healthcare, education, or livelihood support.
Who can apply for Bank Guarantee Charges Reimbursement Scheme?: Eligibility for Bank Guarantee Charges Reimbursement Scheme may depend on factors such as income category, age, gender, occupation, state of residence, social category, and government-defined beneficiary criteria.
What benefits are offered under Bank Guarantee Charges Reimbursement Scheme?: Benefits under Bank Guarantee Charges Reimbursement Scheme may include financial assistance, subsidies, scholarships, insurance support, healthcare benefits, pension support, training assistance, or welfare services depending on the scheme guidelines.
Which department manages Bank Guarantee Charges Reimbursement Scheme?: Bank Guarantee Charges Reimbursement Scheme is managed by Ministry Of Micro, Small and Medium Enterprises and may be implemented through district offices, online portals, CSC centres, banks, or authorised government agencies.
Can users apply online for Bank Guarantee Charges Reimbursement Scheme?: Yes, eligible applicants may be able to apply online for Bank Guarantee Charges Reimbursement Scheme through official government portals, authorised service centres, or digital application systems depending on the implementation process.
Is Aadhaar mandatory for Bank Guarantee Charges Reimbursement Scheme?: Many government schemes may require Aadhaar verification, identity proof, or linked bank account details for beneficiary validation and direct benefit transfer processing.
Where can users apply for Bank Guarantee Charges Reimbursement Scheme?: Applications for Bank Guarantee Charges Reimbursement Scheme may be submitted through government departments, official scheme portals, CSC centres, district offices, welfare departments, or authorised service centres.
What documents may be required for Bank Guarantee Charges Reimbursement Scheme?: Applicants may need Aadhaar card, income certificate, residence proof, bank account details, caste certificate, photographs, educational records, or occupation-related documents depending on scheme eligibility requirements.
Is Bank Guarantee Charges Reimbursement Scheme a central government scheme?: Yes, Bank Guarantee Charges Reimbursement Scheme is a central government welfare initiative that may be implemented across multiple states through authorised departments and agencies.
Does Bank Guarantee Charges Reimbursement Scheme provide business loan or startup assistance?: Bank Guarantee Charges Reimbursement Scheme may support entrepreneurs, startups, self-employed individuals, MSMEs, or small businesses through financial assistance, subsidies, credit support, or training initiatives.
Is collateral required under Bank Guarantee Charges Reimbursement Scheme?: Collateral requirements may vary depending on the loan amount, implementing agency, financial institution, and government subsidy structure.
Can CSC centres help users apply for Bank Guarantee Charges Reimbursement Scheme?: Many government schemes may be accessible through nearby CSC centres, authorised digital service centres, or welfare facilitation offices.
How can users check the latest updates for Bank Guarantee Charges Reimbursement Scheme?: Users should verify official notifications, department announcements, application deadlines, and eligibility updates through authorised government portals or implementing agencies.
Can beneficiaries track application status for Bank Guarantee Charges Reimbursement Scheme?: Certain schemes may provide online application tracking, beneficiary verification systems, or status-check facilities through official portals.
Where can users get help for Bank Guarantee Charges Reimbursement Scheme in All India?: Users in All India may seek assistance through CSC centres, district welfare offices, government departments, agriculture offices, social welfare departments, or authorised facilitation centres.
Which nearby public services may help with Bank Guarantee Charges Reimbursement Scheme applications?: Depending on the scheme, users may require support from Aadhaar centres, CSC centres, banks, hospitals, post offices, or government welfare offices for document verification and application assistance.