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Government scheme

CGTMSE collateral-free term loan

Collateral-free credit for micro and small enterprises under the CGTMSE guarantee.

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  • ₹5,00,000 – ₹2,00,00,000
  • 12–84 months
  • 10%–16% p.a. illustrative
  • No collateral
  • CGTMSE

₹499

Ojas application service — not the loan, and not the lender's fee

The lender’s own processing fee is separate, charged by them, and disclosed in the sanction letter before you accept.

No account needed — you can check out as a guest.

This buys the application service, not a sanction: a consultant reviews and submits your file, and no lender is obliged to approve. Cancel any time before a consultant opens your file for a full refund — write to hello@ojas.loans and it returns to the card you paid with; after that, you are refunded whatever remains undelivered. Prefer to talk first? ‘Talk it through’ above costs nothing.

Who this is for

Self-qualify honestly before you spend time on an enquiry.

Term credit where the CGTMSE guarantee stands in for collateral — built for micro and small enterprises with a viable plan but no assets to pledge.

  • Udyam-registered micro or small enterprise
  • New or existing unit with a viable business plan
  • No collateral or third-party guarantee required
  • Guarantee cover rides the lender's CGTMSE limit

How it works

Three steps that happen today, and a fourth we name because it does not.

  1. 1

    Talk it through

    A two-minute enquiry: purpose, amount, entity type and business vintage. No documents needed yet.

  2. 2

    A named consultant calls

    Within one working day, your consultant maps your requirement against the shelf and confirms the exact document checklist.

  3. 3

    You get the file list

    The document checklist for your entity type, an illustrative sizing band, and the questions a credit committee will ask — useful whoever you take it to.

  4. 4

    And then it stops, for now

    No lender is empanelled with Ojas Loans, so we cannot submit your file, and we will not take an application we have nowhere to carry.

Documents you'll need

Grouped by how your business is registered — your consultant confirms the final checklist on the first call.

LLP

  • LLP agreement
  • Certificate of incorporation
  • PAN of the LLP and designated partners
  • GST registration
  • Last 12 months' bank statements
  • Last 2 years' income-tax returns of the LLP
  • Udyam registration certificate

Partnership

  • Partnership deed
  • PAN of the firm and all partners
  • GST registration
  • Last 12 months' bank statements
  • Last 2 years' income-tax returns of the firm
  • Udyam registration certificate

Proprietorship

  • PAN of the proprietor
  • GST registration (if registered)
  • Udyam registration
  • Last 12 months' bank statements
  • Last 2 years' income-tax returns with computation
  • Udyam registration certificate

Private limited

  • Certificate of incorporation
  • Memorandum and articles of association
  • PAN of the company and directors
  • GST registration
  • Last 12 months' bank statements
  • Last 2 years' audited financial statements
  • Udyam registration certificate

Estimate your EMI

Seeded with this product's illustrative bands (10%–16% p.a.) — published ranges, not quotes. A lender's underwriting sets the real terms.

Monthly EMI₹350320.71
Total interest₹2361545.37
Total payable₹12611545.37

Indicative only — final terms are set by the lender's underwriting.

Talk it through

Straight answers

The questions worth settling before you spend time on this product.

Can Ojas Loans get me this loan today?

No. No bank, NBFC, small finance bank or microfinance institution is empanelled with Ojas Loans, so there is nobody for us to submit a file to. Ojas is a lending service provider and is never the lender in any case — the loan agreement would always be between you and a regulated lender, with the money moving from that lender to your account directly. What this page is for today is working out whether this is the right product to ask for, and what you would need to produce.

Is the 10%–16% rate a quote?

No — treat it as illustrative. 10%–16% per annum is a band we publish to show what this family of credit typically costs in the Indian market; no lender has quoted it to us, because none is empanelled with us. A lender sets the actual rate by underwriting your file — financials, business vintage, banking conduct and security all move it.

Do I need collateral?

This product sits on the shelf as unsecured — no collateral is required to apply. Lenders may still ask for personal guarantees as part of their underwriting; your consultant flags that before you commit.

What fees will I pay?

Illustratively, a processing fee for this family of credit runs up to 1.5% of the sanctioned amount; the lender's actual fee is disclosed in its sanction letter before you accept. Nothing on this site charges you anything, and we publish how Ojas would be paid before you sign anything.

How does the CGTMSE scheme apply?

This product is positioned under CGTMSE. Whether your business qualifies is decided by the scheme's rules and the lender — your consultant prepares the scheme paperwork with the loan file, and no benefit is promised until the lender confirms it.

Is CGTMSE collateral-free term loan the right thing to ask for?

Talk it through with a consultant, or run the free checker first — four questions, computed in your browser, nothing sent anywhere. Ojas is a lending service provider, is never the lender, and has no lender empanelled yet, so this is advice and preparation rather than an application.

Talk it throughTry the free checker