Credit Guarantee Fund for Micro and Small Enterprises (CGTMSE)

Central GovtCategory: MSMEMinistry: Ministry of Micro, Small and Medium Enterprises

Collateral-free credit guarantee for loans up to Rs. 2 crore for micro/small enterprises. Covers 75-85% of loan default.

Eligibility criteria

  • Micro/small enterprise

How to apply

Application mode: offline

  1. Apply for business loan at MLI — Application submitted
  2. MLI applies for CGTMSE coverage — Coverage applied
  3. Loan sanctioned without collateral — Funds disbursed

Required documents

Required

  • Aadhaar Card — 12-digit UIDAI identification (Original or photocopy)
  • PAN Card — Permanent Account Number (Original)
  • Udyam Registration — MSME registration (Online certificate)
  • Bank Statements — Last 6 months (Original)

Official source: https://www.cgtmse.in/#cgtmse

Last verified: 23 June 2026

Your eligibility

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Compatibility with other schemes

Compatible schemes

You can claim this scheme alongside the following schemes.

  • Pradhan Mantri Mudra Yojana (PMMY) — MUDRA loans up to Rs. 10 lakh; CGTMSE covers larger amounts