Ministry of MSME (jointly with SIDBI)

Credit Guarantee Trust Fund for Micro & Small Enterprises (CGTMSE)

LOAN/CREDITSTARTUP-RELEVANT

Stage: Any stage
Indicative amount: Guarantee up to ₹10 cr per unit

What it is for

Removes the collateral barrier for micro and small enterprises by guaranteeing lenders against default on eligible loans.

Who can apply

Any micro or small enterprise (including startup MSMEs) with Udyam Registration, borrowing from a bank, NBFC, or financial institution registered as a CGTMSE Member Lending Institution.

What you get

Collateral-free credit guarantee cover up to ₹10 crore per borrower.

How to apply

No direct CGTMSE application. You approach a registered Member Lending Institution and request the loan be covered under CGTMSE.

Best suited for

A small or micro business (startup or not) that needs a working capital or term loan and has no property or assets to pledge as collateral.

Official links

CGTMSE official site https://www.cgtmse.in/

Summarised from official sources, last reviewed 2026-09-07. Amounts and eligibility are indicative — always confirm against the live scheme guideline before acting.