Call Now

CGTMSE Scheme

Save Lakhs of Rupees through CGTMSE scheme

Apply Now

Get Free Consultent

Complete the form below to get a call back.

we have facilitated growth over 1k plus businesses through CGTMSE scheme.

The Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) scheme is a beacon of support for Indian MSMEs. It empowers businesses by offering collateral-free credit facilities, facilitating easier access to much-needed funding. Backed by the Government of India, CGTMSE instills confidence in lenders, encouraging them to extend credit to deserving MSMEs without the burden of collateral. This scheme fosters a conducive environment for growth, enabling entrepreneurs to pursue their aspirations and contribute to India’s economic progress.

Why Choose the CGTMSE Scheme?

Unsecured + CC Limit

Access working capital without collateral, empowering your business growth.

No Insurance

Streamlined process with no insurance requirement to back loans.

Rate of Interest 10%

Affordable financing with competitive interest rates. compared to unsecured loans.

Government Coverage

Coverage from government-backed security for your loan Upto 85%

Unlimited Period

Enjoy flexible repayment terms tailored to your business needs.

2% Yearly Rebate

Reduce your borrowing costs with attractive annual rebates.

Low Processing Fee

Only 0.25% Minimal processing fees for hassle-free funding.

Covers Various Sectors

Applicable to both manufacturing and service sector MSMEs.

Simplified Process

 Experience a streamlined loan application and approval process.

Unsecured Business Loan vs CGTMSE

Feature
Unsecured Business Loan
OD CGTMSE
Benefits of CGTMSE
Type
Term Loan
OD Limit i.e. Unsecured
Purely Overdraft Limit
Rate
18-20%
10.5%
10% interest saving
PF
2-2.25%
0.25%
1.75% PF Saving
Insurance
0.5-1%
Nil
No Insurance Cost
EMI
Starts from the first month, regardless of fund utilization
No EMI, only interest on utilized amount
No burden of paying monthly EMI
Tenure
3 Years
Infinity
For Unlimited Period
1 Crore Example
EMI: 3.5 Lacs per month
Interest: around 87K per month
Save 79k per month
Max Limit
50 Lakh from a bank
Up to 5 Crore
Up to 5 Cr. limit from a single bank

How CGTMSE Can Benefit Your MSME

  • Fuel Business Growth: Get the funds you need to expand your operations, purchase equipment, or hire new staff.
  • Enhance Working Capital: Meet your day-to-day operational expenses and manage cash flow effectively.
  • Improve Creditworthiness: Establish a positive credit history and improve your chances of securing future loans.
  • Reduce Financial Burden: Avail loans without the stress of arranging collateral.
  • Boost Confidence: Focus on growing your business with the assurance of government-backed financial support.
  • Contribute to the Economy: Play a vital role in India’s economic development by creating jobs and generating revenue.

Why to Choose Us

  • Proven Financial Acumen
  • Tailored Solutions
  • Comprehensive Services
  • MSME Focus
  • Strategic Leadership
Facebook-f Twitter Instagram Linkedin-in