Who is eligible to apply for Credit Guarantee Scheme for Micro and Small Enterprises (CGTMSE)?

Registered MSE units with Udyam certificate seeking debt finance.

Central Government SchemeOfficially Verified SourceContinuous Rollout

Credit Guarantee Scheme for Micro and Small Enterprises (CGTMSE)

सूक्ष्म एवं लघु उद्यमों के लिए ऋण गारंटी योजना (सीजीटीएमएसई)

Ministry / Implementing Agency:Ministry of Micro, Small and Medium 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.

Check Eligibility Criteria Official Portal

Scheme Overview

Government Levelcentral

Operational Statusactive

Application Statuscontinuous

Application Modeonline

Launch Year2000

Target BeneficiaryNew and existing Micro and Small Enterprises in manufacturing and service sectors

About the Scheme

<h2>Overview</h2><p>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.</p><h2>Key Benefits</h2><p>Credit guarantee coverage up to 85% (up to 90% for women/SC/ST/NER entrepreneurs) for loans up to ₹5 Crore without collateral.</p>

Key Benefits & Financial Assistance

Financial Assistance: Collateral-free credit up to ₹5 Crore

No collateral security or third-party guarantee required
Loan limit up to ₹5 Crore per MSE borrower
Concessional guarantee fee for women and micro enterprises

Eligibility Guidelines

These eligibility criteria represent published official guidelines. Ensure you hold valid supporting documents before applying on the official portal.

New and existing Micro and Small Enterprises as defined under the MSMED Act, 2006

Required Documents

Udyam Registration Certificate

PAN and GST Registration

Project Report & Audited Financials

Bank Sanction Letter

Application Process

1Prepare detailed business project proposal
2Approach Member Lending Institution (Bank/NBFC)
3Bank evaluates proposal and applies for CGTMSE guarantee coverage online

Official Portals & Direct Links

Official PortalVisit Official Website

Application LinkDirect Apply Online Portal

Source & Verification Provenance

Information for this scheme has been referenced from official publications by Ministry of Micro, Small and Medium Enterprises. Official domain: www.cgtmse.in.

Verification Status: Officially Verified

Frequently Asked Questions

Related Government Schemes

Central Government SchemeVerified

PM Vishwakarma Scheme

पीएम विश्वकर्मा योजना

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%.

Ministry:Ministry of Micro, Small and Medium Enterprises

Benefit: ₹15,000 toolkit + up to ₹3,00,000 loan

Target: Traditional artisans and craftspeople working in 18 designated trades

Continuous / ActiveView Scheme

Citizen Discussion & Inquiries

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