What do you get under CGTMSE?
Collateral-free business loans for micro and small enterprises: the trust guarantees your bank loan, now up to ₹10 crore, so the bank does not ask for property or a third-party guarantor.
CGTMSE does not lend directly and does not take applications from borrowers. Beware of lookalike websites; the official site is cgtmse.in.
Who is eligible for CGTMSE?
- New and existing micro and small enterprises in manufacturing, services and retail trade.
- Loans from banks, NBFCs and other member lending institutions.
Documents needed for CGTMSE
0 of 4 ready
Offices may ask for more. Check the official list before you go.
How to apply for CGTMSE
- Apply for a loan at a bank or NBFC that is a CGTMSE member and ask for cover under CGTMSE.
- The lender sanctions the loan and takes the guarantee; it pays the guarantee fee and may pass it on to you.
Common questions
Who is eligible for CGTMSE?
New and existing micro and small enterprises in manufacturing, services and retail trade. Loans from banks, NBFCs and other member lending institutions.
How much do I get under CGTMSE?
Collateral-free business loans for micro and small enterprises: the trust guarantees your bank loan, now up to ₹10 crore, so the bank does not ask for property or a third-party guarantor. CGTMSE does not lend directly and does not take applications from borrowers. Beware of lookalike websites; the official site is cgtmse.in.
What documents do I need for CGTMSE?
Aadhaar card (linked to your mobile number); PAN card; Business proof or plan (Udyam, vending certificate, quotation); Bank passbook or account details (Aadhaar-seeded account).
How do I apply for CGTMSE?
Apply for a loan at a bank or NBFC that is a CGTMSE member and ask for cover under CGTMSE. The lender sanctions the loan and takes the guarantee; it pays the guarantee fee and may pass it on to you. Official site: https://www.cgtmse.in/
Do I have to pay anyone to apply for CGTMSE?
No. Applying for a government scheme is free on the official portal, and at Common Service Centres you pay only the notified service fee, if any. Never pay an agent who promises approval.
Can I apply to CGTMSE directly?
No. You apply to a member bank or NBFC for a loan; the lender takes the CGTMSE guarantee. CGTMSE itself does not lend or take loan applications.
Official sources
Last checked 1 November 2026; next review by 1 May 2027. Rules and amounts change, so confirm on the official site before you apply. IndiaDigital is independent and not a government site.