📖 Scheme Overview & Key Details
Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) enables Micro and Small Enterprises (MSEs) to obtain collateral-free business loans from commercial banks, Regional Rural Banks, and NBFCs. The trust provides guarantee coverage up to 85% for micro-enterprises, women-owned units, and ZED-certified firms on loans up to ₹5 Crore, removing the requirement for borrowers to pledge land or property as collateral.
✅ Who Can Apply – Eligibility Criteria
•New and existing Micro and Small Enterprises in manufacturing and service sectors
•Borrower entity must hold a valid Udyam MSME Registration
📄 Required Documents – What You Need
📋 How to Apply – Step‑by‑Step Process
Step 1: Prepare a detailed business project report and apply to any CGTMSE member lending bank.
Step 2: Request the bank to cover the required working capital or term loan under CGTMSE.
Step 3: The lending bank evaluates the project and sanctions credit without demanding collateral.
📞 Help & Support – Official Contacts
Helpline / Support Office
022-61437800 / cgtmse@sidbi.in