Janakpuri east , New Delhi +91 99997 60917 info@startupgroww.in

CGTMSE Scheme

Unlock Collateral-Free Business Loans with CGTMSE Scheme Assistance — Startup GrowW empowering startups, micro, and small enterprises to access funding without security — with expert guidance every step of the way:

Loan eligibility assessment under CGTMSE
CGTMSE loan application filing & submission
Advisory on credit guarantee coverage terms
Specialized team for government loan schemes
Personalized guidance for MSMEs, startups & traders

Payment after work completion.

120 +

Customer

240 +

Complete Projects

Reviews

4.2/5

What is CGTMSE scheme?

The CGTMSE scheme (Credit Guarantee Fund Trust for Micro and Small Enterprises) is a government program that helps small businesses and startups get loans without needing to provide any collateral or security. In simple words, if a small business wants a loan but doesn’t have property or assets to offer as a guarantee, this scheme makes it easier.

The government acts as a "guarantor" to the bank, meaning if the business fails to repay the loan, the government covers a large part of the loss. This helps encourage banks to lend more freely to small and new businesses, supporting entrepreneurship and job creation.

Advantages of CGTMSE Scheme

Collateral-Free Loans

No need to pledge assets like property or equipment to get a loan.

No Third-Party Guarantee

Entrepreneurs don't need a guarantor or co-signer for the loan.

Loan Amount up to ₹5 Crore

MSMEs can get loans up to ₹5 crore (in some cases even ₹10 crore).

Covers Both Term Loans & Working Capital

Funds can be used for buying machinery, expansion, or daily operations.

High Guarantee Coverage

Up to 75–90% of the loan is guaranteed by the government (90% for women, SC/ST, etc.).

Reduced Guarantee Fee

Annual guarantee fees are low—starting from 0.37%, making it affordable for small businesses.

Support for Women & Marginalized Groups

Higher guarantee and lower fees for women-led, SC/ST, and minority enterprises.

Wide Network of Lenders

Available through 130+ banks/NBFCs including SBI, PNB, SIDBI, and regional rural banks.

Support for New & Existing Businesses

Both startups and existing MSEs can apply—even without a credit history.

Eligibility of CGTMSE Scheme

A. Eligible Borrowers

Eligible	Not Eligible
Micro & Small Enterprises (MSEs) engaged in manufacturing or service activities	Medium enterprises (i.e., those beyond MSME limits)
Startups (including first-time entrepreneurs)	Retail trade businesses (some exceptions apply)
Existing MSEs with good repayment track record	Educational institutions
Units involved in Agri-Allied activities (like dairy, poultry, fisheries)	Agriculture (primary farming activities)
Business entities in the North-East, J&K, Ladakh, aspirational districts	SHGs, NGOs, and charitable trusts

B. Eligible Activities

Manufacturing enterprises
Service enterprises (e.g., IT services, salons, clinics)
Trading businesses (selectively eligible if registered as MSEs)
Startups with innovative or viable projects
Agri-allied sectors (non-farming)

C. Eligible Lenders (MLIs – Member Lending Institutions)

Scheduled Commercial Banks (like SBI, PNB, HDFC, etc.)
Regional Rural Banks (RRBs)
Small Finance Banks
Non-Banking Financial Companies (NBFCs)
SIDBI, NSIC, NEDFi

D. Other Conditions

The business should be classified as a Micro or Small Enterprise under the MSMED Act.
The borrower’s account must not be a default (i.e., no NPA).
The loan should be sanctioned under CGTMSE guidelines through a registered MLI.
Businesses must comply with KYC norms, registration (Udyam), and maintain proper books of accounts.

Documents

1. Business Registration & Identity Documents

Udyam Registration Certificate

Mandatory for MSMEs

PAN Card (Business & Promoter)

Personal and/or company PAN

Aadhaar Card

Of the business owner/proprietor

GST Registration Certificate

If applicable

Shop Act License / Trade License

Local business operation license

Partnership Deed / MOA & AOA

For partnership firms or companies

Bank Account Details

Bank statement (last 6–12 months)

2. Financial & Business Documents

Project Report / Business Plan

Including business model, product/service, target market, funding need

Projected Cash Flow & Income Statements

For new businesses (3–5 years projections)

Balance Sheets & ITR (Last 2–3 years)

For existing businesses

Bank Statements

Of all operative accounts (last 6–12 months)

Sales Invoices or Work Orders

Optional, helps demonstrate operations

3. Loan Documents

Loan Application Form

Filled and signed as per bank format

CGTMSE Declaration/Consent Form

Giving consent for coverage under CGTMSE

KYC Documents

As per bank requirements (Aadhaar, PAN, utility bill, etc.)

4. Optional/Additional Documents

Collateral Disclosure Form

If bank needs confirmation that no collateral is pledged

ZED Certification

For enhanced coverage under the ZED scheme

Caste Certificate

For SC/ST entrepreneurs (for 85–90% coverage)

Startup India Recognition Certificate

For startups seeking priority lending benefits

5. For a Startup Without Prior Financials

You can apply with:

A strong project report
Financial projections (3–5 years)
Market research and SWOT analysis
Details of promoters’ qualifications and experience

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Frequently Asked Questions

Under the CGTMSE scheme, new and existing Micro and Small Enterprises (MSEs) engaged in manufacturing or service activities—excluding agriculture, self-help groups (SHGs), training institutions, and educational institutions—can apply for collateral-free credit.

Under the CGTMSE scheme, the maximum loan amount that can be availed is ₹5 crore per eligible borrower.

No, under the CGTMSE scheme, loans are provided without requiring collateral or third-party guarantees, though banks may take primary security on financed assets.

Under the CGTMSE scheme, eligible credit facilities include term loans, working capital loans, composite loans, fund-based and non-fund-based facilities, and hybrid security loans.

Yes, under the CGTMSE scheme, you are required to pay an Annual Guarantee Fee (AGF) based on the sanctioned loan amount, typically ranging from 0.37% to 1.35% per annum, depending on the loan slab.

Yes, existing businesses can apply for loans under the CGTMSE scheme, provided they meet the eligibility criteria and have not restructured loans or remained in SMA-2 status in the past year.

Our Clients

Startup growW is more than just a service provider, We are partner in your success with a passion for innovation and a dedication to excellence. Take the first step towards success with StartupgrowW.

B-1/637, 3rd Floor, Opp. metro pillar no. 563, Near Mahindra showroom, Janakpuri East, New Delhi-110058

info.startupgroww@gmail.com

+91 99997 60917

Our Services

Registration

Private Limited Company Registration One Person Company Registration LLP Registration Partnership Firm Registration Public Limited Company Registration Section 8 Company Registration GST Registration

Legal Services

Alternate Dispute Resolution Trademark Registration Copyright Services Deeds and Agreement Practicing Patent Registration

Digital Marketing

Search Engine Optimization Social Media Optimization Pay per click Email Marketing Content Marketing Reputation Management Conversion Rate Optimization Digital Consultancy Video Marketing

Fund Raising

SME-IPO SCHEME Bank Loan Scheme CGTMSE Scheme Private Equity (PE) Bank Overdraft

Others Services

FSSAI Registration ICEGATE Registration Udyam (MSME) Registration DPIIT (Startup India) Registration IEC Registration

Talk To Expert

Disclaimer: We are a private consulting firm and are not affiliated with any government authority. Our team provides professional assistance to help businesses register with the Ministry of Corporate Affairs (MCA). All services are offered independently and transparently.