Credit Guarantee scheme
for Micro & Small Enterprises (MSE)
Premium Project Finance
CGTMSE Loans
Quick Reference for Your Business
Collateral-Free MSE Credit - everything you need to know about CGTMSE Loans.
01
What It Is
Lets banks lend
without collateral or third-party guarantee
Set up by
Ministry of MSME + SIDBI
The Trust guarantees
a large part of the loan to the lender
02
Key Facts
| Point | Details |
|---|---|
| Max cover | Up to Rs 10 crore per borrower (collateral-free) |
| Guarantee cover | 75%-85% (85% for micro / women / SC-ST / NER) |
| Eligible | New & existing MSEs - manufacturing, service, now trading too |
| Prerequisite | Udyam Registration; viable, profitable project |
| Cost | Annual Guarantee Fee (AGF) by loan slab |
| Apply via | An empanelled bank/NBFC (no separate CGTMSE portal) |
Note: CGTMSE removes the biggest hurdle MSEs face - collateral. You approach a member lending institution with Udyam registration and a business plan; the bank covers the loan under CGTMSE. If a bank wrongly demands collateral on a CGTMSE-eligible loan, you can raise a grievance on the CHAMPIONS portal.
03
Why Clients Trust Filings Hub
A real, qualified Chartered Accountant
Not an agent - a CA who structures your application so the bank covers it under CGTMSE.
Bankable, honest numbers
Project reports and CMA data built on realistic figures lenders trust - not inflated projections.
The right scheme & lender
We match you to the correct scheme and lender so you do not waste time on rejections.
Clear updates in your language
Simple updates in Telugu and English - you always know where things stand.
End-to-end support
From documentation to sanction and post-loan compliance.