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Government scheme · Micro and small enterprises with a viable plan but no collateral

CGTMSE — what it is, and who it fits.

A government guarantee that stands in for collateral, so micro and small enterprises can borrow without pledging assets.

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Credit Guarantee Fund Trust for Micro and Small Enterprises

The headline terms at a glance — set by the scheme and the lender, and subject to change.

Guarantee ceilingUp to ₹5 crore
CollateralCollateral / third-party-guarantee free
Run byMinistry of MSME + SIDBI

What it is

The scheme in plain English — no jargon, no promises.

CGTMSE isn't a loan — it's a guarantee. A trust set up by the Ministry of MSME and SIDBI guarantees a portion of the lender's exposure, so a micro or small enterprise can get a term loan or cash-credit line without pledging collateral or a third-party guarantee. The lender still lends and underwrites; the guarantee reduces its risk.

The coverage ceiling was raised to ₹5 crore, and the guarantee covers a share of any default (higher for women-owned, ZED-certified and aspirational-district units). A guarantee fee applies, on a slab by loan size. It's the classic answer to the collateral-gap rejection.

Who qualifies

A first read on whether the scheme reaches a file like yours — your consultant confirms the details.

  • Udyam-registered micro or small enterprise in manufacturing or most services
  • New or existing unit with a viable business plan
  • No collateral or third-party guarantee required (some trade categories are excluded)

The loans that ride this scheme

These families on our shelf can be arranged under the scheme — browse the products in each.

Government schemes

Products on the shelf that can be arranged under CGTMSE.

Browse these loans

Term & MSME

Products on the shelf that can be arranged under CGTMSE.

Browse these loans

Honest scope — CGTMSE cover rides the lender's own limits and eligibility, and certain categories (e.g. retail trade) are excluded. Confirm the current ceiling, fee and cover with the lender you approach — we help you work out whether it fits and what to assemble, but no lender is empanelled with us to apply through.

See if CGTMSE fits your venture

A short enquiry, a reference id, and a named consultant on the phone within one working day — who tells you honestly whether this scheme is your door and what it will ask you to produce. Free, and we have no lender to sell you to.

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