CGTMSE
Credit Guarantee Fund Trust for Micro and Small Enterprises · Ministry of MSME + SIDBI
CGTMSE is not a loan — it is a credit guarantee that lets you borrow up to ₹5 crore WITHOUT collateral. The government guarantees 75–90% of your loan to the bank, removing the need for property as security. Combined with MUDRA, PMEGP, or term loans for maximum benefit.
📋 Eligibility Criteria
- Micro and Small Enterprises with valid Udyam Registration
- Manufacturing and service sectors (trading not covered)
- Loan amount up to ₹5 crore
- No NPA (Non-Performing Asset) history
- Business must have been in operation or be a new viable project
📁 Documents Required
💡 Tip: Get our ₹499 PDF report for a bank-specific document checklist — some banks ask for additional docs not on this official list.
🚀 How to Apply
- 1
Apply for a term loan or working capital loan at any CGTMSE member bank
- 2
Bank applies for CGTMSE guarantee on your behalf — you do not apply directly
- 3
Annual guarantee fee is charged (0.37%–2% of guarantee amount)
- 4
Bank gets guarantee cover: 90% for loans up to ₹10L (micro), 75–85% for others
- 5
If you default, bank claims from CGTMSE — your collateral NOT required
❓ CGTMSE FAQ
CGTMSE guarantee fee kitni hoti hai?
Micro units (up to ₹10L): 0.37% per year. Loans ₹10L–₹50L: 0.55%. Loans ₹50L–₹2Cr: 1.35%. Loans ₹2Cr–₹5Cr: 1.80%. Women/SC/ST/NE borrowers ko discount milta hai.
Kya CGTMSE aur PMEGP ek saath le sakte hain?
Haan, ye dono combine ho sakte hain. PMEGP subsidy pe loan milta hai, aur CGTMSE guarantee banke ko collateral-free lending pe confident karta hai. Ye ek powerful combination hai.
CGTMSE ke liye Udyam mandatory kyun hai?
CGTMSE ka benefit sirf registered MSMEs ko milta hai. Udyam registration se aapki MSME status verify hoti hai. Without Udyam, bank CGTMSE guarantee apply nahi kar sakta.
Trading business CGTMSE le sakta hai?
Generally nahi. CGTMSE sirf manufacturing aur service sector MSMEs ke liye hai. Wholesale aur retail trading excluded hai (MUDRA use karo trading ke liye).
Last verified: 2026-06-01 · Source: Ministry of MSME + SIDBI