What is CGTMSE?
The Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) was launched by the Government of India to make collateral-free credit available to the MSME sector. Both new and existing enterprises are eligible for coverage.
Key Scheme Features
- No Collateral Required: Banks provide credit solely based on project viability.
- Loan Limit: Funding up to ₹500 Lakhs (₹5 Crore).
- Guarantee Cover: 75% to 85% of the loan amount is guaranteed by the Trust.
- Eligibility: Manufacturing and Service sectors (including retail trade).
Project Report (DPR) Assistance
The biggest hurdle in CGTMSE approval is the Detailed Project Report. Banks need a professional document that proves your business can generate enough cash to repay the loan.
Our Experts Help You With:
- CMA Data Preparation
- Market Analysis
- Financial Projections
- Profitability Ratios
- Break-Even Points
- Technical Flowcharts
"We don't just apply for a loan; we engineer the financial story your bank wants to see."
Eligibility Checklist
- Maximum credit limit per MSE unit: ₹500 Lakh.
- The lender must be a Member Lending Institution (MLI) of the Trust.
- Enterprise must fall under the MSME definition as per Govt of India.