What is CGTMSE and how does it help MSEs?

CGTMSE (Credit Guarantee Fund Trust for Micro & Small Enterprises) provides a government-backed guarantee to lending institutions, enabling them to extend collateral-free loans to micro and small enterprises. This means MSEs do not need to pledge property or assets to get a business loan.

What is the maximum loan amount covered under CGTMSE?

Under the standard track, the maximum guarantee ceiling is ₹2 crore per borrower. For micro enterprises, 85% of loans up to ₹5 lakh are covered; 75% coverage applies for other MSEs; retail trade gets 50% coverage.

Who pays the guarantee fee?

The annual guarantee fee (AGF) is borne by the borrower and is paid to CGTMSE through the lending institution. The fee rate varies based on the loan amount and category of borrower.

Can existing MSEs apply, or only new businesses?

Both new and existing micro and small enterprises (manufacturing or service) are eligible, as long as the loan is from a CGTMSE-member lending institution.

Do I need collateral or a third-party guarantee?

No. The entire purpose of CGTMSE is to enable collateral-free and third-party-guarantee-free loans for MSEs. The Trust provides the guarantee cover to the bank instead.

How do I apply for a CGTMSE-backed loan?

You do not apply to CGTMSE directly. Apply for a business loan at any CGTMSE-member bank or NBFC (most major banks are members). The lending institution then registers the loan with CGTMSE to obtain guarantee cover.

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Ministry of MSME

New Delhi · Delhi · India

The Ministry of Micro, Small and Medium Enterprises (MSME) is the central government ministry responsible for formulating policies and programmes for the MSME sector in India. It administers several schemes aimed at promoting entrepreneurship, livelihood creation, and enterprise…

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CGTMSE enables micro and small enterprises to access collateral-free loans of up to ₹2 crore from member lending institutions, without pledging property or requiring a third-party guarantee. The Trust covers 75–85% of the loan amount (85% for micro-enterprise loans up to ₹5 lakh), significantly reducing the bank''s risk and making credit more accessible. MSEs benefit from better loan approval rates and competitive interest terms since the lender''s exposure is insured by the government-backed Trust. The scheme covers both manufacturing and service enterprises, and applies to both new and existing businesses.

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