Access collateral-free funding to fuel your growth.
Secure loans with the confidence of a government guarantee.
Navigate the CGTMSE scheme with our experienced team.
The Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) scheme is a game-changer for Indian MSMEs. This government-backed initiative empowers your business with collateral-free loans up to 2 Crore, eliminating the need to pledge your assets. Enjoy competitive interest rates starting at 10%, no insurance requirements, and minimal processing fees. With government coverage of up to 85%, you can confidently access the funds you need to expand, innovate, and thrive. The flexible repayment terms and attractive annual rebates further sweeten the deal. Apply for a CGTMSE loan today and watch your business reach new heights!
| Interest Rates | As per RBI’s Guidelines is eligible for coverage under CGTMSE |
| Eligible Activities |
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| Loan Amount |
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| Guarantee Coverage | From 75% – 85% (50% Coverage for retail activity) |
| Collateral / Third Party Guarantee | Not required |
| Eligible Member Lending Institutions (MLIs) | More than 100: PSUs, NBFCs, RRBs, Private Banks, SUCBs, Fls, SFBs, and Foreign Banks |
| Annual Guarantee Fee for amount up to Rs. 1 crore | Fee revised from 2% and reduced to as low as 0.37% |
Feature | Unsecured Business Loan | OD CGTMSE | Benefits of CGTMSE |
Type | Term Loan | OD Limit i.e. Unsecured | |
Rate | 18-20% | 8-10% | 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 | |
Tenure | 3 Years | Infinity | For Unlimited Period |
1 Crore Example | EMI: 3.5 Lacs per month | Interest: around 67k per month | |
Max Limit | 50 Lakh from a bank | Up to 2 Crore | Up to 2 Cr. limit from a single bank |
Other | Early Approval within 7-10 days |
Reach out to our expert team for a personalized consultation.
Connect with our experienced advisors to discuss your business needs and explore the best financing options for you.
We’ll evaluate your eligibility and guide you through the requirements.
Our team will assess your eligibility for the CGTMSE scheme and provide clear guidance on the documentation and process.
Gather the necessary documents with our assistance.
We’ll make the paperwork easy. Our experts will help you compile all the required documents for a smooth application.
We’ll handle the application submission on your behalf.
Leave the complexities to us. We’ll take care of submitting your application and liaising with the relevant authorities.
Receive quick approval and access the funds you need.
Experience fast approvals and timely disbursal of funds, so you can focus on growing your business.