CGTMSE Loan
Access collateral-free business loans under the Credit Guarantee Trust Fund for Micro and Small Enterprises (CGTMSE) scheme. Get up to Rs. 5 crore without collateral or third-party guarantee. Expert assistance for your loan application.
- Up to Rs. 5 crore loan
- No collateral required
- CGTMSE approved
- Expert assistance
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Key facts
The key facts, in one place
Everything a founder usually has to piece together from five different pages, in one place.
- Scheme
- CGTMSE (Credit Guarantee Trust Fund)
- Loan limit
- Up to Rs. 5 crore
- Collateral
- Not required
- Eligible entities
- Micro and Small Enterprises
Bizeneed visual guide
CGTMSE Loan
Get collateral-free business loans under the CGTMSE scheme. Up to Rs. 5 crore without collateral or third-party guarantee. Expert assistance for MSME credit guarantee loans from Bizeneed.
- 1Understand requirement
- 2Prepare documents
- 3Complete filing
FAQ
Frequently asked questions
CGTMSE (Credit Guarantee Trust Fund for Micro and Small Enterprises) is a Government of India scheme that provides collateral-free credit guarantee to MSMEs. It enables micro and small enterprises to obtain bank loans without collateral or third-party guarantee.
Under the CGTMSE scheme, MSMEs can avail collateral-free loans up to Rs. 5 crore. The scheme covers both term loans and working capital facilities.
All micro and small enterprises registered under the MSME Act are eligible. This includes manufacturing enterprises with investment up to Rs. 10 crore and service enterprises with investment up to Rs. 5 crore.
The guarantee fee is typically 0.75% to 1.0% of the credit facility amount, plus an annual service charge of 0.50%. The fee structure varies based on the loan amount and category of the borrower.