Credit Guarantee Fund Trust for Micro & Small Enterprises (CGTMSE)
Get collateral-free credit guaranteed up to ₹10 Crore via Member Lending Institutions (MLIs)
Quick Stats
About CGTMSE
CGTMSE enables collateral‑free credit to Micro and Small Enterprises by providing a guarantee cover to Member Lending Institutions (MLIs), allowing banks/NBFCs to lend without third‑party guarantees or tangible collateral within scheme limits. [8]
Effective April 1, 2025, the guarantee ceiling is enhanced to ₹10 Crore per eligible borrower under CGS‑I, broadening access for viable MSEs across manufacturing, services, and trading. [2][8]
Coverage typically ranges from 75% to 90% depending on borrower category and ticket size, with women‑led enterprises eligible for 90% cover, and additional regional/category concessions as notified. [6][12]
Collateral‑Free Lending
Guarantee cover to MLIs in lieu of collateral/third‑party guarantees for eligible MSE credit.
Higher Ceiling
Guarantee coverage up to ₹10 Crore per borrower under CGS‑I (Banks).
Priority Segments
Enhanced coverage for Women, SC/ST, PwD, ZED, Aspirational/ICDD, NER/J&K/Ladakh, Agniveers.
Wide Facility Types
Eligible for Term Loans, Working Capital, and select Non‑fund facilities as per CGTMSE norms.
Success Stories
"Women‑led enterprise received 90% guarantee cover enabling collateral‑free sanction for term and WC limits."
Anita Verma
Food Processing Unit
Funded: ₹1.20 Crore
"Regional benefits supported a higher coverage, easing access to working capital and seasonal limits."
NorthEast Crafts LLP
Handicrafts Manufacturing
Funded: ₹45 Lakhs
"Composite facility covered under CGTMSE improved bankability without third‑party guarantees."
TechServe Solutions
IT Services & Trading
Funded: ₹3.50 Crore
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