The Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) is a flagship scheme launched by the Government of India and SIDBI to provide collateral-free credit to micro and small enterprises. Under this scheme, the government offers a guarantee to lending institutions against defaults, enabling businesses to access loans without pledging physical assets as security. C&S Consultancy helps you navigate the CGTMSE framework and secure maximum benefit.
No Collateral Required
Get loans up to ₹5 Crore without mortgaging any property — the government guarantee replaces collateral security.
For MSMEs & Startups
Specifically designed for micro and small enterprises including new startups with limited track record.
Covers Multiple Loan Types
Applicable on term loans, working capital, composite loans, and retail trade loans under one guarantee umbrella.
Broad Lender Network
Offered by all major public sector banks, private banks, RRBs, SFBs, and NBFCs registered with CGTMSE.
Enhanced Credit Access
Businesses that were previously declined due to lack of collateral can now qualify for institutional finance.
Reduced Cost of Borrowing
CGTMSE-backed loans often attract better interest rates and terms due to the government guarantee backing.
- Micro and Small Enterprises (as per MSME Act, 2006 / Udyam registration)
- Both new (greenfield) and existing businesses can apply
- All manufacturing and service sectors (except retail trade above ₹50 Lakh)
- Proprietorship, partnership, LLP, and private limited companies
- Loan amount: up to ₹5 Crore under the guarantee cover
- Medium and large enterprises (beyond MSME definition)
- Borrowers with existing NPA accounts or wilful default history
Eligibility Check & Strategy
C&S Consultancy verifies your MSME status, loan requirement, and selects the best lender for CGTMSE.
Application Preparation
We prepare a strong loan application with a project report, financials, and business plan tailored for CGTMSE.
Bank Sanction
The bank assesses the proposal and upon sanction, applies for CGTMSE guarantee coverage from the Trust.
Guarantee Registration
The lender registers the loan with CGTMSE and pays the guarantee fee (typically passed partially to borrower).
Disbursement
Funds are disbursed collateral-free. You focus on building your business while we handle the paperwork.
⚡ C&S Consultancy's CGTMSE Advantage
- We identify banks with highest CGTMSE approval rates in Rajasthan
- Our project reports are structured to meet CGTMSE's specific underwriting criteria
- We handle the CGTMSE guarantee registration process on your behalf
- Combine with government subsidies for maximum financial leverage
- Track record of successful collateral-free loans for 100+ MSMEs in Jaipur