§1Who it is for

  • Micro and Small Enterprises (manufacturing, service, and trading activity too)
  • The loan must come from a member lending institution (bank/NBFC); CGTMSE does not lend itself
  • New first-generation entrepreneurs who have no collateral

Check your eligibility in 6 questions

§2How much you get

  1. Ceiling ₹10 crore per borrower (circular 2024-25, from 1 Apr 2025)
  2. Cover: 85% for micro enterprises up to ₹5 lakh, 75% for the rest
  3. Women entrepreneurs / Agniveers: 90%
  4. SC/ST, divyang, aspirational district, ZED certified, transgender: 85%
  5. NER, J&K, Ladakh: 80%
  6. An extra 5% cover in RBI's Identified Credit Deficient Districts (from 15 Dec 2023)
  7. Annual guarantee fee starts at 0.37% p.a. (depends on loan size and category)

§3Documents

Tick each one as you get it ready.

§4How to apply

  1. 1

    Apply for a loan at a bank/NBFC and ask for CGTMSE cover

  2. 2

    The bank appraises the loan and takes guarantee cover on the CGTMSE portal

  3. 3

    An annual guarantee fee must be paid (often recovered from the borrower)

Open the official portal

§5Why applications get rejected

Not verified yet

We found no official data on why applications for this scheme are rejected. We do not write reasons based on guesswork.

§6Businesses it helps

Need a CGTMSE file prepared?

DPR, loan file and documents — we can get them prepared for you.

Ask on WhatsAppSee services

Our interestPreparing files is our paid service. You can apply for the scheme yourself, free of charge.

Sources

  1. CGTMSE official site (ceiling raised to ₹10 crore; fee from 0.37% p.a.)
  2. CGTMSE: About / extent of guarantee coverage table

Checked on 4 October 2026. Spotted a mistake? Report it. For information only — not legal or financial advice; confirm with the department or bank.