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Central scheme · Collateral-free credit

Credit Guarantee Scheme (CGTMSE)

A guarantee to banks that lets micro and small enterprises borrow without collateral or third-party guarantee. Women-led enterprises get a higher guarantee cover.

Who can apply

Micro and small enterprises, including women-led units, borrowing from member banks and NBFCs.

Key benefits

  • Guarantee cover for loans up to ₹10 crore
  • Higher guarantee cover — up to 90 percent — for women-led enterprises
  • Reduced annual guarantee fee, with an additional discount for women entrepreneurs
  • No collateral or third-party guarantee required

How to apply

Ask your bank to cover the loan under CGTMSE. The bank applies for the guarantee.

Official site: cgtmse.in ↗

Scheme details change from time to time. Always confirm the current terms on the official portal or with your bank, BMMU or District Industries Centre before applying. Last reviewed: November 2026.

Questions about this scheme

Who can apply for Credit Guarantee Scheme (CGTMSE)?

Micro and small enterprises, including women-led units, borrowing from member banks and NBFCs.

How do I apply for Credit Guarantee Scheme (CGTMSE)?

Ask your bank to cover the loan under CGTMSE. The bank applies for the guarantee.

Can UTH Retail help with Credit Guarantee Scheme (CGTMSE)?

We help prepare the project report the bank needs for the loan.

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