CGTMSE Loan Scheme
Collateral-Free Credit Guarantee up to ₹5 Crore for MSMEs
What is CGTMSE?
CGTMSE (Credit Guarantee Fund Trust for Micro and Small Enterprises) provides credit guarantee to banks and financial institutions for collateral-free loans to MSMEs up to ₹5 Crore.
Under this scheme, banks can lend to MSMEs without demanding collateral security or third-party guarantee. The guarantee covers up to 85% of the sanctioned amount for micro enterprises.
Euroasia Aquatic helps you prepare a strong loan application and connects you with CGTMSE-enrolled banks for maximum loan approval chances.
Our CGTMSE Services
How We Work
Assessment
Evaluate loan requirement and eligibility
Documentation
Prepare comprehensive loan application
Bank Application
Apply to CGTMSE-enrolled bank
Guarantee
Bank obtains CGTMSE guarantee and disburses loan
Frequently Asked Questions
The maximum credit guarantee coverage is ₹5 Crore per borrower. Banks can sanction higher amounts, but guarantee coverage is limited to ₹5 Crore.
Micro enterprises (up to ₹5 Lakhs): 85%. Women/NER enterprises: 80%. Other MSMEs: 75% of sanctioned amount up to specified limits.
The borrower typically pays the guarantee fee, which ranges from 0.37% to 1.35% annually depending on the loan amount and enterprise category.
Yes, both new and existing micro and small enterprises can avail loans under CGTMSE scheme for various purposes including working capital and term loan.
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Funding Available
₹10L – ₹1Cr