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CGTMSE — Credit Guarantee for MSEs

Credit guarantee on collateral-free loans up to ₹5 crore for Micro & Small Enterprises.

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Overview

CGTMSE provides credit guarantee to member lenders for collateral-free / third-party guarantee-free credit to Micro & Small Enterprises. Guarantee coverage extends up to 85% of the credit facility, enabling MSEs to access bank credit without pledging assets.

Loan amount

Up to ₹5 crore per borrower (composite credit).

Interest rate

Lender's prevailing MSME rate (typically 9%–14% p.a.).

Subsidy / Guarantee

Up to 85% guarantee coverage. AGF (Annual Guarantee Fee) 0.37%–1.35% based on slab.

Eligibility

  • New & existing Micro & Small Enterprises (manufacturing or service)
  • Both proprietorship, partnership, LLP and pvt-ltd MSEs
  • Loan should be collateral-free / no third-party guarantee
  • Educational / training institutions, SHGs are excluded

Documents required

  • Udyam Registration certificate
  • Business KYC + Promoter KYC
  • Financials (2–3 years if existing)
  • Project report / business plan
  • GST & ITR returns

How to apply

  • 1Apply for MSME loan at a CGTMSE-empanelled lender
  • 2Lender appraises & sanctions credit under CGS
  • 3Lender lodges guarantee with CGTMSE
  • 4Disbursal post AGF payment

Official portal: https://www.cgtmse.in/

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Disclaimer: Scheme eligibility, approval, and benefits are determined solely by the relevant government authorities, banks, and implementing institutions.

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