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CGTMSE

Credit Guarantee Fund Trust for Micro and Small Enterprises

Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) aims to provide Collateral-free loan with guarantee coverage for micro and small businesses. CGTMSE provides guarantees to eligible MSEs on loans availed from Member Lending Institutions (MLIs), i.e., public, private and foreign banks and financial institutions. Under the CGTMSE scheme, MSEs have been availing credit guarantees up to a ceiling limit of ₹5 crore. This has been revised to ₹10 crore from April 2025.

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Eligibility Criteria for CGTMSE

Following are the CGTMSE scheme eligibility criteria to apply for a loan through the scheme:

Existing as well as new MSEs engaged in manufacturing, trading or services, excluding agriculture, self-help groups, etc.
The MSE unit applying can be a proprietary firm, partnership, LLP, private company or public limited company.
The MLI must assess and adjudge the business as viable and profitable, with a good track record.
The borrower must not be a defaulter with any bank or financial institution.
The eligibility is based on the investment made in equipment, plant and machinery as well as turnover of the entity.

Extent of Guarantee Cover

Category of Borrower	Loan Amount	Guarantee Coverage
Micro Enterprises	Up to ₹5 lakh	Upto 85%
Women, SC/ST Entrepreneurs, Aspirational Districts, ZED certified SMEs, Person with Disability, MSE promoted by Agniveers	Up to ₹10 crore	Upto 85%
MSEs in North East Region (NER), Jammu & Kashmir, Ladakh	Up to ₹50 lakh	Upto 80%
All Other Eligible MSEs	Up to ₹10 crore	Upto 75%

Note: The maximum guarantee coverage has been increased from ₹5 crore to ₹10 crore as per the latest budget announcement.

Subsidy Documents

Passport-sized photographs

Udyam Registration Certificate

Business Incorporation or Company Registration Certificate

Proof of Business Vintage

KYC documents

Business Project Report

About the Scheme

How Moneyverss Helps You Get Started:

Step 1: Business Setup & Registration

We help you:

Register your business (Proprietorship, LLP, Pvt. Ltd., etc.)
Get essential approvals and tax registrations (Udyam, GST, PAN)

Loan application is not possible without valid government registrations.

Step 2: Business Plan & Loan Preparation

Our experts assist in:

Creating a solid business plan with financial projections
Presenting your business model effectively to the bank

A well-prepared plan boosts your chances of approval.

Step 3: CGTMSE Application Support

We ensure your CGTMSE application is:

Accurately filled with required documentation
Submitted using the official format

Step 4: Bank Coordination & Follow-Up

Moneyverss acts as your communication bridge with banks:

Submit documents and respond to queries
Track the verification and approval process

Each bank has its own internal process — we help you stay ahead.

Step 5: Guarantee Process & Loan Disbursal

Once the loan is sanctioned:

The bank applies to CGTMSE for guarantee cover
We assist you in paying the one-time guarantee fee and service charges

Loan is disbursed without the need for any collateral security.

Ready to Apply?

Whether you’re launching a new venture or expanding an existing one, Moneyverss ensures a smooth, guided path to your CGTMSE-backed loan.