The Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) was established by the Government of India in collaboration with SIDBI to enhance access to credit for micro and small enterprises (MSEs).
As per the updated guidelines effective from April 1, 2023, eligible businesses in India can now avail collateral-free loans of up to ₹5 Crores. Under this revised scheme, the Government guarantees up to 75% of the lender’s loss in the event that the loan becomes a non-performing asset (NPA).
We specialize in delivering high-success outcomes under this scheme and have built a strong track record by offering:
High Approval Rate – Over 90% loan sanction success
Fast Processing Time – Loans disbursed within 10–15 working days
Competitive Interest Rates – Starting from 9% to 10% p.a.
It offers collateral-free loans to eligible micro and small businesses with government-backed default protection.
Micro and Small Enterprises (MSEs), including startups, are eligible to apply for this scheme.
Businesses can secure up to ₹5 Crores without providing any physical collateral or guarantee.
No collateral is required as the scheme offers complete government-backed loan coverage protection.
CGTMSE (Credit Guarantee Trust) covers up to 75% of the lender’s financial risk.
