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  3. Credit Guarantee Scheme (CGS-I) - Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE)
All India

Credit Guarantee Scheme (CGS-I) - Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE)

Ministry of Micro, Small and Medium Enterprises (MSME) and SIDBI (jointly, via CGTMSE Trust)

About This Scheme

Status: active. A trust jointly set up by the Government of India (Ministry of MSME) and SIDBI to enable collateral-free/third-party-guarantee-free credit to micro and small enterprises through member lending institutions (banks, NBFCs, RRBs). Effective 1 April 2025, the maximum guarantee coverage limit was raised from Rs 5 crore to Rs 10 crore, with Annual Guarantee Fees reduced.

Eligibility Criteria

  • New and existing Micro and Small Enterprises engaged in manufacturing or service activity
  • Excludes Educational Institutions, Agriculture, Self Help Groups (SHGs), Training Institutions
  • Loan must be extended by a CGTMSE-registered Member Lending Institution (MLI)

Benefits

Collateral-free credit guarantee covering up to Rs 10 crore per borrower (raised from Rs 5 crore, effective 1 April 2025), with guarantee cover of 75-85% depending on enterprise category and loan size.

How to Apply

  • Applications accepted on a rolling basis
  • Apply via the official portal: https://www.cgtmse.in/

Quick Info

Amount / Funding
Rs 10 crore
State / Region
All India
Ministry / Dept
Ministry of Micro, Small and Medium Enterprises (MSME) and SIDBI (jointly, via CGTMSE Trust)
Apply Now →
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