About this programme
Working capital assistance scheme for MSME wholesalers and retailers to purchase materials, goods, and services against bank guarantee security. NSIC arranges bulk materials (aluminium, zinc, copper, iron & steel, cement) through its manufacturing partnerships and extends working capital finance. Helps Udyam-registered traders meet purchase obligations without requiring conventional collateral, facilitating access to bulk commodities at negotiated rates. It is run by NSIC (National Small Industries Corporation).
A credit guarantee helps you borrow by covering part of the lender’s risk, so eligible businesses can access loans they might not get otherwise. The amount and form of support that actually apply to you depend on the programme’s rules and how your application is assessed — they are not fixed for every applicant.
It is aimed at businesses in wholesale & retail trade (msme). Like most government programmes, it has its own eligibility conditions, documentation and application window, and these terms are revised from time to time. Because of that, it is worth confirming the current eligibility, amount and deadline on the official programme page before you invest time in applying.
How it works
MSME selects suppliers from GST-registered manufacturers. NSIC facilitates bank guarantee arrangements. Suppliers are verified, and NSIC arranges working capital through a bank guarantee mechanism. Payment is released directly by NSIC to the selected suppliers against the bank guarantee, enabling the MSME trader to access bulk materials without direct capital outlay.
Who can apply
MSME wholesalers and retailers holding a Udyam Registration Certificate; must have GST registration; profitability for at least 3 years (audited accounts); minimum annual sales of ₹150 lakhs for wholesalers and ₹100 lakhs for retailers over the past 3 years; at least 2 GST-registered suppliers/manufacturers; required business/dealer licenses and adequate business premises.
How to apply
- Register with Udyam and obtain GST registration
- Visit NSIC customer portal at custportal.nsic.co.in or the scheme page
- Express interest and provide required business documentation
- NSIC verifies eligibility and supplier credentials
- Arrange bank guarantee through a participating bank
- NSIC processes the application and arranges material supply
Documents you’ll typically need
- Business registration / incorporation certificate
- PAN (and GST registration, where applicable)
- Identity and address proof for the applicant / directors
- A short description of your business or project
- Recent financials or a simple project report
The exact checklist depends on the programme and your specifics.
Frequently asked
What is the AWRT scheme?
Assistance to Wholesalers and Retail Traders scheme provides working capital assistance for MSME traders to purchase bulk materials and goods against bank guarantee security.
What is the maximum working capital available?
30% of average sales from the last three years, subject to bank guarantee sanction limits.
What registration and licenses are mandatory?
Udyam Registration Certificate and GST registration are mandatory; business/dealer licenses and proper business premises are required.
What materials does NSIC supply through AWRT?
Bulk materials including aluminium, zinc, copper, iron & steel, and cement arranged through NSIC's partnerships with manufacturers.
Reviewed July 2026. Government programmes change — confirm current eligibility, amounts and deadlines on the official programme page before you apply. CapEasy is a private consultancy and is not affiliated with any government authority.