CGTMSE
Credit Guarantee Fund Trust for Micro and Small Enterprises
Collateral-free term loans and working capital for micro & small enterprises, guaranteed by the government trust.
Up to ₹10 CroreFunding support75% – 90% guaranteeIncentivecgtmse.inOfficial portal
Who can apply
- New or existing micro & small enterprises (manufacturing, services, retail trade)
- Loan from an eligible member lending institution
- No collateral or third-party guarantee taken
- Udyam registration
Key benefits
- No collateral up to ₹10 Cr
- Guarantee cover 75%–90% (higher for micro, women, NE region)
- Reduced annual guarantee fee for loans up to ₹1 Cr
Documents needed
- Aadhaar & PAN of promoter(s)
- Udyam Registration certificate
- Bank statements (last 6–12 months)
- Business address proof
- Financial statements / projections
- GST returns
How to apply
- Approach any member bank/NBFC
- Bank appraises & sanctions
- Bank applies for CGTMSE cover
- Guarantee fee paid & cover issued
Am I eligible for CGTMSE?
1What are you looking for?
2What's your business type?
3How much funding do you need?
4How old is the business?
5Owner category
Frequently asked
Do I apply to CGTMSE directly?
No. Your lender applies for the guarantee on your behalf; we help you choose a lender that actively uses CGTMSE.
Related schemes
PopularPMEGPCredit-linked subsidy for setting up new micro-enterprises in manufacturing and services.Up to ₹50 Lakh projectView →Collateral FreeMudra Loan (PMMY)Collateral-free loans for non-farm micro enterprises across Shishu, Kishore, Tarun and Tarun Plus.Up to ₹20 LakhView →Venture DebtCredit Guarantee for StartupsGovernment guarantee on loans and venture debt to DPIIT-recognised startups from banks, NBFCs and AIFs.Up to ₹20 CroreView →
Information summarised from official guidelines; limits change — always verified against cgtmse.in before filing.