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<h1>Credit guarantee expansion boosts startup loan availability with higher coverage and lower annual fees for key sectors.</h1> Notification expands the Credit Guarantee Scheme for Startups (CGSS) by raising the maximum guarantee ceiling per borrower and adjusting guarantee cover rates to increase access to collateral-free debt funding. The Annual Guarantee Fee is reduced for startups in 27 Champion Sectors to enhance affordability. The changes aim to lower perceived lending risk for banks, AIFs and NBFCs, stimulate lender participation, and support working capital, term loans and venture debt to promote R&D and innovation among startups.