CGTMSE Loan Guarantee — Quick Overview
| Scheme Name | CGTMSE Credit Guarantee Scheme 2026 — ₹5 Crore Collateral-Free MSME Loan Guarantee |
| Launched By | Government of India |
| Launch Year | 2000 |
| Benefit | Up to ₹5 crore collateral-free MSME loan with 75-85% government guarantee — women entrepreneurs get 85% coverage |
| Category | MSME & Industry |
| Last Verified | 23 May 2026 |
| Official Portal | https://www.cgtmse.in |
What is CGTMSE Loan Guarantee?
Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) is the backbone of collateral-free lending to MSMEs in India. It guarantees loans up to ₹5 crore from member banks and financial institutions to micro and small enterprises — without any collateral or third-party guarantee. CGTMSE covers 75-85% of the loan amount (up to 85% for micro enterprises, women entrepreneurs, NER/hilly states). The trust was set up jointly by the Ministry of MSME and SIDBI in 2000. Annual guarantee fee: 0.25-2.0% of the loan amount (subsidised for micro/women). Over 60 lakh guarantees issued worth ₹5 lakh crore+. Member Lending Institutions (MLIs): 130+ banks/NBFCs including PSBs, private banks, RRBs, SFBs, NBFCs. The borrower applies through the bank; the bank applies to CGTMSE for guarantee. New: CGTMSE 2.0 with enhanced limits.
Under this scheme, eligible beneficiaries receive Up to ₹5 crore collateral-free MSME loan with 75-85% government guarantee — women entrepreneurs get 85% coverage. The scheme was launched in 2000 and is implemented by the Government of India.
CGTMSE (क्रेडिट गारंटी फंड ट्रस्ट) — बिना collateral के MSME को ₹5 करोड़ तक का लोन गारंटी। बैंक की 75-85% loss की government coverage। महिला उद्यमी और micro enterprises को 85% तक गारंटी। 130+ बैंक/NBFC member। 60 लाख+ guarantees जारी।
₹5 करोड़ तक collateral-free लोन गारंटी — 75-85% सरकारी कवरेज
Benefits of CGTMSE Loan Guarantee
Up to ₹5 crore collateral-free MSME loan with 75-85% government guarantee — women entrepreneurs get 85% coverage
Who is Eligible for CGTMSE Loan Guarantee?
- ✓New or existing Micro and Small Enterprises (manufacturing or service sector)
- ✓Loan amount: up to ₹5 crore per borrower
- ✓MSME registration (Udyam Registration) required
- ✓Loan must be from a CGTMSE Member Lending Institution (bank/NBFC)
- ✓No collateral or third-party guarantee to be taken by the bank
- ✓Retail trade enterprises excluded (manufacturing/services only)
Documents Required for CGTMSE Loan Guarantee
How to Apply for CGTMSE Loan Guarantee Online?
- 1Visit the official portal at https://www.cgtmse.in
- 2Click on Apply Now or Register button on the homepage
- 3Enter your Aadhaar-linked mobile number and verify OTP
- 4Fill in the online application form with required details
- 5Upload the required documents: Udyam Registration Certificate, Business plan/project report, KYC documents (Aadhaar, PAN)
- 6Review all details and submit the application
- 7Note down the application reference number for future tracking
- 8Wait for verification and approval from the concerned authority
Official Government Portal
Apply directly on the official government website. This is the only authorised portal — never pay anyone to apply on your behalf.
🔗Apply on www.cgtmse.in