Bank Guarantee Charges Reimbursement Scheme

Key facts

Benefit	₹1 lakh yearly
Who	SC/ST entrepreneurs
How paid	Reimbursement of bank guarantee charges
Implemented by	Ministry of Micro, Small and Medium Enterprises
Official portal	https://www.scsthub.in
Application window	Annual window — confirm dates on the official portal

Benefits

Beneficiaries can receive reimbursement of up to 80% of the bank guarantee charges, capped at ₹1,00,000 per financial year, excluding taxes.

Who can apply

For: entrepreneur
Category: SC, ST
not income tax payer
no government employee in family
poor household

Eligible applicants include entrepreneurs from the Scheduled Caste or Scheduled Tribe categories who own or represent a Micro, Small, or Medium Enterprise (MSE). Key exclusions include income tax payers and families with government employees.

How to apply

Applications can be submitted online through the official website dedicated to the scheme.

Visit scsthub.in and sign up for an account.
Provide your full name, email ID, mobile number, and create a password.
Log in to your account and complete the required application information.
Upload the necessary documents as specified in the guidelines.
Submit the application for processing.

Apply on the official website ↗

Documents required

Self-certified copy of Udyam Registration (UR) & GST (if applicable)
Self-certified copy of PAN Card
Copy of Caste Certificate
Details of shareholding
Copy of Partnership Deed or Memorandum and Article of Association
Bank attested debit statement
Bank attested copy of Performance Bank Guarantee (PBG)
Cancelled Cheque
Proof of transferred amount as reimbursement
Supply Order / Purchase Order / Work Order

Common problems and how to fix them

Problem	What to do
Application rejected	Ensure all required documents are submitted correctly, including the Caste Certificate and Udyam Registration.
Payment not received	Check if the reimbursement request was submitted with all necessary documentation and confirm the status on the official portal.

Frequently asked questions

What is the purpose of the Bank Guarantee Charges Reimbursement Scheme?

This scheme provides financial reimbursement to SC/ST MSEs for the bank charges incurred while obtaining Performance Bank Guarantees for awarded work.

What is the maximum benefit amount available under this scheme?

The maximum reimbursement is limited to 80% of the bank guarantee charges, with a ceiling of ₹1,00,000 per financial year.

Can benefits be availed multiple times in a financial year?

Yes, SC/ST MSEs can avail benefits multiple times within a financial year, but the total assistance cannot exceed ₹1,00,000.

What documents are required to apply for the scheme?

Applicants need to provide documents such as Udyam Registration, PAN Card, Caste Certificate, and bank statements, among others.

Who qualifies as an eligible applicant for this scheme?

Applicants must belong to the SC/ST categories and own or represent an MSE that has availed loans from specified financial institutions.

How can I apply for the scheme?

Applications can be made online at the National SC-ST website or through the nearest Common Service Center (CSC).

Key terms explained

SC / ST / OBC: Official social categories — Scheduled Castes, Scheduled Tribes and Other Backward Classes — used for reservations and targeted welfare schemes.

Always confirm the latest details on the official portal before applying.