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CGTMSE Scheme

Get collateral-free loans up to ₹10 crore for your MSME with government-backed credit guarantee.

Key Features

Collateral-free loans up to ₹10 crore
60-85% guarantee coverage
No third-party guarantees required
Quick loan processing
Special benefits for women entrepreneurs
Lower cost of credit

Eligibility Criteria

  • New or existing MSMEs in manufacturing/services sector
  • Loan amount up to ₹10 crore per borrower
  • For term loans and/or working capital facility
  • Additional benefits for SC/ST and women entrepreneurs

Documents Required

  • Business registration certificate
  • Project report and cost estimates
  • Last 2 years ITR and Financial Statements
  • Bank statements for last 6 months
  • Identity and address proof
  • Business address proof

Benefits & Uses

  • No collateral or third-party guarantee needed
  • Easier access to credit from banks
  • Lower cost of credit without collateral expenses
  • Faster loan processing and approval
  • Helps startups without substantial assets
  • Encourages MSME growth across India

Apply Now

Get instant approval for your cgtmse scheme

Need Help?

+91 9004358660
info@equivion.in
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CGTMSE Scheme

Credit Guarantee Fund Trust for Micro and Small Enterprises

What is CGTMSE?

CGTMSE is a government-backed credit guarantee scheme that enables MSMEs to get collateral-free loans from banks and financial institutions. This scheme provides guarantee coverage to lenders, making it easier for small businesses to access credit without pledging assets.

Collateral-Free

Get loans up to ₹10 crore without any collateral or third-party guarantee

High Coverage

60-85% guarantee coverage on loans, protecting lenders and encouraging credit

For MSMEs

Specially designed for micro, small, and medium enterprises in manufacturing and services

Hybrid Security

Loans above ₹10 crore up to ₹20 crore can be covered with hybrid security model

Women Entrepreneurs

Additional benefits and priority coverage for women-owned businesses

Quick Processing

Faster loan approvals as lenders have guarantee coverage from CGTMSE

Eligibility Criteria

Business Type: New or existing MSMEs in manufacturing/services
Loan Amount: Up to ₹5 crore per borrower (enhanced to ₹10 crore in 2024)
Purpose: Term loans and/or working capital facility
Special Provisions: Additional benefits for SC/ST and women entrepreneurs

Guarantee Coverage

Micro & Small Enterprises85%

For women entrepreneurs and units in North-East Region

Other MSMEs75%

Standard guarantee coverage for eligible units

Retail Trade Sector50%

For loans up to ₹1 crore in retail trade activities

Key Benefits for Borrowers

  • No need to pledge collateral or provide third-party guarantees
  • Easier access to credit from banks and financial institutions
  • Lower cost of credit as collateral-related expenses are eliminated
  • Faster loan processing and approval from lenders
  • Helps startups and small businesses without substantial assets
  • Encourages entrepreneurship and MSME growth across India
Apply for CGTMSE Business Loan

Get expert assistance in applying for collateral-free business loans under CGTMSE

Ready to Get Started?

Apply now and get instant approval for your cgtmse scheme

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