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Loans

CGTMSE Credit Guarantee Scheme for Micro and Small Enterprises

सीजीटीएमएसई ऋण गारंटी योजना

Status

Open continuously

No deadline — apply whenever you are ready.

Always open
Amount
100,000,000 INR

CGTMSE does not lend. It guarantees collateral-free credit extended by Member Lending Institutions to Micro and Small Enterprises. The guarantee ceiling has been increased to Rs. 10 crore (raised from Rs. 500 lakh). The guarantee coverage percentage and the annual guarantee fee slabs are set out in CGTMSE circulars which I could not load at the time of verification, so they are recorded as null rather than guessed; the homepage does state that the annual guarantee fee structure was revised and reduced for guarantees above Rs 1 crore.

Funder

Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE), set up by the Ministry of MSME, Government of India and SIDBI

public · national

Deadline: Open all year — Continuously available. Guarantee cover is applied for by the lending bank, not by the borrower.

Your odds
Not published

This funder does not publish a success rate. We rank it using the rate observed across similar programmes and label it as an estimate rather than implying we know.

Effort
major

Major bid — written case, budget, possibly partners.

Who can apply

Eligible borrowers are Micro & Small Enterprises (MSEs). Enhanced terms apply for women entrepreneurs, transgender entrepreneurs, SC/ST entrepreneurs, persons with disability (PwD), ZED certified units, informal micro enterprises (IME) and units in Jammu & Kashmir and Ladakh. DPIIT recognition is NOT required for CGTMSE; MSME/Udyam registration is the relevant credential. A separate Credit Guarantee Scheme for Startups (CGSS) exists for DPIIT-recognised startups and is administered by NCGTC, not CGTMSE.

How to apply

  1. Approach a CGTMSE Member Lending Institution (a bank, RRB or eligible financial institution) for a collateral-free credit facility. — link
  2. The lender appraises the proposal and, on sanction, lodges the application for guarantee cover with CGTMSE.
  3. CGTMSE issues the guarantee; the borrower pays the applicable annual guarantee fee through the lender.

What you will need

Related reading: How grant deadlines actually work · The EU SME definition (Recommendation 2003/361)

Apply on the funder's site

Source. https://www.cgtmse.in/

"CGTMSE does not provide any financial assistance. It only gives guarantees. ... Ceiling ... Rs 10 crore. Annual guarantee Fee structure revised and fee reduced."

Verified on 14 August 2026

Source: funder's homepage — the programme page was not found

Similar programmes

Credit Guarantee Scheme for Startups (CGSS)

Status not published

Department for Promotion of Industry and Internal Trade (DPIIT); National Credit Guarantee Trustee Company (NCGTC)

Agriculture Infrastructure Fund (AIF)

Status not published

Department of Agriculture and Farmers Welfare, Ministry of Agriculture

Stand-Up India Scheme

Status not published

Department of Financial Services, Ministry of Finance / SIDBI

Pradhan Mantri MUDRA Yojana (PMMY)

Status not published

Micro Units Development and Refinance Agency (MUDRA) Ltd / Department of Financial Services

Kerala Startup Mission Seed Fund

Status not published

Kerala Startup Mission (KSUM), Government of Kerala

Bihar Startup Policy seed funding

Status not published

Department of Industries, Government of Bihar (Startup Bihar)

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