CGTMSE Loan Guarantee — Quick Overview
| Scheme Name | CGTMSE Credit Guarantee Scheme 2026 — ₹5 Crore Collateral-Free MSME Loan Guarantee | cgtmse.in |
| Launched By | Government of India |
| Launch Year | 2000 |
| Benefit | Up to ₹5 crore collateral-free MSME loan with 75-85% government guarantee — women entrepreneurs get 85% coverage |
| Category | Finance |
| Last Verified | 16 May 2026 |
| Official Portal | https://www.cgtmse.in |
What is CGTMSE Loan Guarantee?
Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) is the backbone of collateral-free lending to MSMEs in India. It guarantees loans up to ₹5 crore from member banks and financial institutions to micro and small enterprises — without any collateral or third-party guarantee. CGTMSE covers 75-85% of the loan amount (up to 85% for micro enterprises, women entrepreneurs, NER/hilly states). The trust was set up jointly by the Ministry of MSME and SIDBI in 2000. Annual guarantee fee: 0.25-2.0% of the loan amount (subsidised for micro/women). Over 60 lakh guarantees issued worth ₹5 lakh crore+. Member Lending Institutions (MLIs): 130+ banks/NBFCs including PSBs, private banks, RRBs, SFBs, NBFCs. The borrower applies through the bank; the bank applies to CGTMSE for guarantee. New: CGTMSE 2.0 with enhanced limits.
Under this scheme, eligible beneficiaries receive Up to ₹5 crore collateral-free MSME loan with 75-85% government guarantee — women entrepreneurs get 85% coverage. The scheme was launched in 2000 and is implemented by the Government of India.
CGTMSE (क्रेडिट गारंटी फंड ट्रस्ट) — बिना collateral के MSME को ₹5 करोड़ तक का लोन गारंटी। बैंक की 75-85% loss की government coverage। महिला उद्यमी और micro enterprises को 85% तक गारंटी। 130+ बैंक/NBFC member। 60 लाख+ guarantees जारी।
₹5 करोड़ तक collateral-free लोन गारंटी — 75-85% सरकारी कवरेज
Benefits of CGTMSE Loan Guarantee
Up to ₹5 crore collateral-free MSME loan with 75-85% government guarantee — women entrepreneurs get 85% coverage
Who is Eligible for CGTMSE Loan Guarantee?
- ✓New or existing Micro and Small Enterprises (manufacturing or service sector)
- ✓Loan amount: up to ₹5 crore per borrower
- ✓MSME registration (Udyam Registration) required
- ✓Loan must be from a CGTMSE Member Lending Institution (bank/NBFC)
- ✓No collateral or third-party guarantee to be taken by the bank
- ✓Retail trade enterprises excluded (manufacturing/services only)
Advertisement
Documents Required for CGTMSE Loan Guarantee
How to Apply for CGTMSE Loan Guarantee Online?
- 1Visit the official portal at https://www.cgtmse.in
- 2Click on Apply Now or Register button on the homepage
- 3Enter your Aadhaar-linked mobile number and verify OTP
- 4Fill in the online application form with required details
- 5Upload the required documents including Aadhaar and bank passbook
- 6Review all details and submit the application
- 7Note down the application reference number for future tracking
- 8Wait for verification and approval from the concerned authority
Official Government Portal
Apply directly on the official government website. This is the only authorised portal — never pay anyone to apply on your behalf.
🔗Apply on www.cgtmse.inFrequently Asked Questions — CGTMSE Loan Guarantee
Common Questions About Finance Schemes
What is covered under PMSBY?+
Death or total permanent disability due to accident gets ₹2 lakh. Partial permanent disability gets ₹1 lakh.
How to enroll in PM Suraksha Bima Yojana?+
Contact your bank branch or enroll through internet banking/mobile app to activate this insurance with just ₹20/year deducted automatically.
What are the four categories under PM Mudra Yojana in 2026?+
Shishu: up to ₹50,000 for new startups; Kishore: ₹50,001 to ₹5 lakh for growing businesses; Tarun: ₹5 lakh to ₹10 lakh for established businesses; Tarun Plus (launched 2024 Union Budget): ₹10 lakh to ₹20 lakh for those who successfully repaid a Tarun loan.
Which banks offer Mudra loans?+
All PSU banks (SBI, PNB, BOB, etc.), private banks, Regional Rural Banks (RRBs), Microfinance Institutions (MFIs), and NBFCs are registered Mudra lenders. Apply at any branch or online at udyamimitra.in.
How much pension will I get under APY?+
Depending on the pension plan (Rs.1K to Rs.5K/month) and your age at enrollment, your monthly contribution varies. Example: For Rs.5,000/month pension — if you join at age 18, contribute Rs.210/month; at age 30, contribute Rs.577/month; at age 40, contribute Rs.1,454/month.
Advertisement
Related Finance Schemes
PM Suraksha Bima Yojana — ₹2 Lakh Accident Insurance
PMSBY provides accidental death and disability insurance cover of ₹2 lakh for just ₹20 per year, renewable annually through bank auto-debit.
PM Mudra Yojana 2026 — Collateral-Free Business Loan ₹50K to ₹20 Lakh
Pradhan Mantri Mudra Yojana offers collateral-free business loans to micro and small enterprises under four categories: Shishu (up to ₹50,000), Kishore (₹50,001–₹5 lakh), Tarun (₹5 lakh–₹10 lakh), and Tarun Plus (₹10 lakh–₹20 lakh, launched 2024 for repeat Tarun borrowers). Over 52 crore loans sanctioned worth ₹27 lakh crore since 2015.
Atal Pension Yojana 2026 — Guaranteed ₹1,000–₹5,000 Monthly Pension | APY Registration
Atal Pension Yojana provides a guaranteed monthly pension of Rs.1,000 to Rs.5,000 after age 60 to unorganized sector workers. Over 7 crore subscribers enrolled. Small monthly contributions from age 18 ensure a dignified retirement income. Contributions also qualify for Section 80CCD(1B) tax deduction up to Rs.50,000.
PM Jeevan Jyoti Bima Yojana 2026 — Rs.2 Lakh Life Insurance at Rs.436/Year
PM Jeevan Jyoti Bima Yojana (PMJJBY) is a government-backed renewable term life insurance scheme that offers Rs.2 lakh death cover for any cause at just Rs.436 per year. The premium is automatically debited from the subscriber's savings bank account every year between 25 May and 31 May. Launched in 2015 under Pradhan Mantri Jan Suraksha Yojana, the scheme is available to all bank account holders aged 18 to 50 years and is administered through partner public and private sector banks.