BusinessFinancial Assistance
Credit Guarantee Fund for Micro & Small Enterprises (CGTMSE)
Ministry of MSME / SIDBI
Enables collateral-free, guarantor-free bank credit to micro and small enterprises by guaranteeing a large share of the loan to the lender.
Eligibility criteria
- Runs (or plans to start) a business / self-employment
- Micro or Small Enterprise (manufacturing, services or trading; excludes agriculture and SHGs)
Note: There is no direct borrower application to the trust — apply for a loan at a CGTMSE-registered Member Lending Institution (bank/SFB/NBFC), which routes the guarantee cover through CGTMSE.
Documents required
- Udyam / business registration certificate
- Project report / loan proposal
- PAN & KYC
- Bank statements & financials / ITR
How to apply for Credit Guarantee Fund for Micro & Small Enterprises (CGTMSE)
- 1Confirm you meet the eligibility criteria (use the eligibility checker below).
- 2Keep the required documents ready: Udyam / business registration certificate, Project report / loan proposal, PAN & KYC, Bank statements & financials / ITR.
- 3Apply on the official portal — https://www.cgtmse.in — or through the channel it specifies.
- 4Note the deadline: Open — apply for the loan at a CGTMSE-member lender.
Not sure if you qualify for Credit Guarantee Fund for Micro & Small Enterprises (CGTMSE)?
Check My Eligibility →Related schemes
- PM-KISAN (Pradhan Mantri Kisan Samman Nidhi)
- Kisan Credit Card (KCC)
- Ayushman Bharat PM-JAY
- Pradhan Mantri Awas Yojana – Urban (PMAY-U 2.0)