Snapshot
Quick facts
Policy status
Active central scheme
Region
India (Central)
Type
Loan Guarantee
Verified
Verified by editorial team
Key Figures
The numbers that matter — verify on the official portal
Guarantee cover raised from Rs 5 crore to Rs 10 crore (from 1 Apr 2025)
Enables collateral-free MSE loans
Guarantee fee applies
Support Types
What the scheme actually offers
- credit guarantee cover (loans up to ~Rs 5 crore)
- reduces collateral need
- bank confidence
Best Suited For
Fit Business Ideas
Examples this scheme tends to suit
Documents You Will Need
- Udyam
- DPR/financials
- bank loan application
How to Apply
Step-by-step process
- 1Apply for a bank loan
- 2Bank routes it under CGTMSE
- 3Guarantee fee applies
- 4Loan sanctioned without collateral
Warning
Read this before applying
Works THROUGH banks - you apply for a loan, the bank applies the guarantee. Fee applies.
Official Government Links
Always verify on these portals before applying
CGTMSE - Credit Guarantee for Micro & Small Enterprises can reduce capital pressure, but only when documentation, eligibility, and execution are tight. Always verify the latest amounts and deadlines on the official portal before applying.