CGTMSE
Access Up to ₹5 Crore Without Collateral
Credit Guarantee Fund Trust for Micro and Small Enterprises
CGTMSE provides government-backed credit guarantees to banks and NBFCs, enabling them to lend to MSMEs without requiring collateral or third-party guarantees. 75–85% of your loan is guaranteed by the Government of India.
₹5 Crore
Max Loan Amount
85%
Max Guarantee Cover
24 hrs
Online Activation
30–60
Days Processing
₹5 Crore
Max Loan Amount
75–85% of loan
Guarantee Cover
85% cover
Women/SC/ST Category
75–80% cover
General Category
Are You Eligible?
Check your eligibility and prepare documents — we handle the rest.
Am I Eligible?
Tap each criterion to check — how many apply to you?
New or existing Micro and Small Enterprises
Manufacturing or service sector businesses
Must borrow from CGTMSE-registered banks, SFBs, or NBFCs
Valid business registration (proprietorship, partnership, LLP, company)
Standard account status as per RBI norms at time of application
Not sure about all criteria? Book a free consultation — we'll do a complete eligibility assessment for you.
Documents Needed
We help you prepare and verify every document before submission.
Missing any documents? We assist with obtaining and attesting all required paperwork.
Step-by-Step Process
We manage the entire application — you just review and approve.
Select Lender & Apply
Approach a CGTMSE-registered bank or NBFC. We identify the right lender for your profile.
Prepare Documentation
We prepare the full documentation package including project report, financials, and KYC.
Bank Appraisal & Sanction
Bank evaluates your proposal. We follow up and respond to any queries from the bank.
Guarantee & Disbursal
Lender pays guarantee fee to CGTMSE portal. Loan is disbursed and guarantee is activated.
Got Questions?
We've answered the most common questions about CGTMSE. Need more clarity? Call us.
Still Have Questions?
Our experts can answer all your queries in a free 30-min call.
Is the entire loan guaranteed by CGTMSE?
No. Typically 75–85% of the loan is guaranteed. Women entrepreneurs, SC/ST borrowers, and NER region businesses get 85% cover.
Can I apply directly to CGTMSE?
No. You apply through your bank or NBFC. The lender applies for CGTMSE guarantee on your behalf after sanctioning the loan.
Does CGTMSE work with all banks?
CGTMSE works with all scheduled commercial banks, RRBs, SFBs, and select NBFCs.
What is the guarantee fee?
Guarantee fee ranges from 0.37% to 1.35% of loan amount per year, paid by the lender. Many banks pass this to the borrower — we help you negotiate the best terms.
Can CGTMSE combine with other schemes?
Yes. CGTMSE guarantee can be used alongside Mudra loans and PMEGP loans to provide collateral-free access to larger loan amounts.
Get Up to ₹5 Crore for Your Business
75–85% Guarantee Cover · 30–60 days · 90%+ Success Rate