Mizoram

Mizoram AMEn Credit Guarantee

Department of Commerce and Industries, Government of Mizoram

About This Scheme

Mizoram's AMEn scheme backs micro-unit loans with 100% credit guarantee coverage, opening institutional credit to BANTU businesses.

Collateral is the usual wall between a micro-enterprise and a bank loan. Under the Industrial and Investment Policy of Mizoram 2025, the AMEn scheme integrates institutional credit access with 100% credit guarantee coverage for micro-units, so the lender's risk on an eligible loan is fully covered.

The target group is Business Aspirants Units (BANTU) — micro-scale businesses that would otherwise struggle to satisfy a bank's security requirements.

Note what the guarantee is and is not

it is a credit enhancement, not a grant. The loan you draw is still yours to repay on the lender's terms.

Benefits

AMEn integrates institutional credit access with 100% credit guarantee coverage for micro-units.
The guarantee stands behind the lender's exposure, which is what makes a collateral-light loan possible for a Business Aspirants Unit.
The underlying facility remains a loan repayable to the lender on its own terms.

How to Apply

Rolling basis

Quick Info

Amount / Funding

Varies

State / Region

Mizoram

Ministry / Dept

Department of Commerce and Industries, Government of Mizoram