Credit Guarantee Fund Scheme (CGTMSE)
यह प्रोफ़ाइल स्वतंत्र रूप से आधिकारिक राजपत्र अधिसूचनाओं और सत्यापित वेब डोमेन से संकलित की गई है। स्रोत प्राधिकरण लिंक: msme.gov.in प्राधिकरण: Ministry of Finance • राज्य/क्षेत्र: Central Scheme (All India) • अंतिम बार ऑडिट किया गया: 12 Sep 2026
त्वरित एआई सारांश
A collateral‑free credit guarantee facility extended by the Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) to enable micro and small enterprises (MSEs) to obtain bank loans up to Rs. 5 crore.
विस्तृत सारांश
Scheme Overview
The Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE), established under the Ministry of Micro, Small and Medium Enterprises, provides a guarantee cover of 75 % to 85 % on defaulted loans extended by participating banks and financial institutions. The guarantee is applicable to both term loans and working‑capital facilities, with a maximum sanctioned amount of Rs. 5 crore per borrower.
Objectives
To broaden financial inclusion for MSEs by mitigating credit risk for lenders, thereby encouraging the extension of credit without the requirement of collateral or third‑party guarantees.
Coverage
Guarantee cover is available for new as well as existing enterprises engaged in manufacturing or service activities, provided they satisfy the MSME definition (investment in plant & machinery ≤ 10 crore and turnover ≤ 50 crore for small enterprises; ≤ 1 crore and ≤ 5 crore respectively for micro enterprises).
प्रमुख लाभ और वित्तीय सहायता
| तुलना मानदंड | लाभ |
|---|---|
| प्रमुख लाभ |
|
पात्रता मानदंड प्रोफ़ाइल
| तुलना मानदंड | पात्रता |
|---|---|
| Minimum Age Limit | 18 Years or above |
| Physical Disability | Not Restricted (Anyone can apply) |
| Domicile State | All India (Central Scheme) |
आवेदन प्रक्रिया मार्गदर्शिका
- Identify a participating bank or financial institution.
- Submit the standard loan application along with the CGTMSE guarantee request form.
- The lending institution forwards the guarantee request to CGTMSE.
- CGTMSE evaluates eligibility and issues the guarantee cover, subject to compliance with scheme guidelines.
- Upon approval, the loan is disbursed to the enterprise.
इस योजना के बारे में अक्सर पूछे जाने वाले प्रश्न
Eligible permanent residents meeting the specified domicile, income, and category criteria can submit an application along with verified credentials.
Key mandatory documents include Aadhaar Card, Residence/Domicile Certificate, Income Certificate, and active Bank Account Passbook.
Benefits are directly credited to the beneficiary's Aadhaar-seeded bank account through the Public Financial Management System (PFMS) / DBT.
Applicants can track status in real-time by logging into the official portal using their Application Reference Number.