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🇮🇳 Digital Dwara•Your Gateway to Government Information
सूक्ष्म एवं लघु उद्यमों के लिए ऋण गारंटी योजना (सीजीटीएमएसई)
Collateral-free credit up to ₹5 Crore
New and existing Micro and Small Enterprises in manufacturing and service sectors
central
online
2000
CENTRAL-GOV
Provides credit guarantee coverage up to 85% on collateral-free credit facilities up to ₹5 Crore extended by Member Lending Institutions to micro and small enterprises.
Provides credit guarantee coverage up to 85% on collateral-free credit facilities up to ₹5 Crore extended by Member Lending Institutions to micro and small enterprises.
Credit guarantee coverage up to 85% (up to 90% for women/SC/ST/NER entrepreneurs) for loans up to ₹5 Crore without collateral.
Beneficiaries must satisfy all statutory criteria prescribed by the Ministry.
Keep original documents and verified copies ready before starting your application to prevent verification delays.
Step-by-step guidance for completing your application on the official portal.
Prepare detailed business project proposal
Approach Member Lending Institution (Bank/NBFC)
Bank evaluates proposal and applies for CGTMSE guarantee coverage online
Essential questions answered regarding scheme benefits, DBT, and eligibility conditions.
Explore allied welfare programs in SC/ST/OBC & Minority Welfare.
Credit-linked capital subsidy program providing 15% to 35% margin money assistance on project loans up to ₹50 Lakhs for micro-enterprises and non-farm employment.
End-to-end support for traditional artisans in 18 trades with Certificate, skill training with ₹500/day stipend, ₹15,000 toolkit e-voucher, and ₹3 Lakh loan @ 5%.