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CGTMSE
Credit Guarantee Fund for Micro and Small Enterprises
Last checked 11 Oct 2026 against the official scheme page. Terms and dates can change, so confirm on the official site before you apply.
Guarantee cover up to Rs 10 crore per borrower (75% base cover)
Funding available
Collateral-free credit guarantee for loans to micro and small enterprises, which many early-revenue startups qualify for.
Eligibility Criteria
Micro and small enterprises as defined by the MSME ministry; apply via a registered lending institution.
What You Get
- Collateral-free loans
Similar Schemes
CGSS
Credit Guarantee Scheme for Startups
SRI Fund
Self-Reliant India Fund
MSME Innovative
MSME Champions Scheme - MSME Innovative (Incubation, IPR, Design)
Apply on the official government portal
Apply NowQuick Facts
- Governing Body
- Ministry of MSME and SIDBI (CGTMSE)
- Ministry / Dept
- MSME
- Level
- Central Government
- Status
- Ongoing