CGTMSE Loan 2026: Rs 10 Crore Collateral-Free MSME Loan, Fees
📌Quick Facts & Summary
Key Benefit
Guarantee cover on loans up to Rs 10 crore per borrower.
Who Can Apply
New and existing micro and small enterprises in manufacturing, services and retail trade.
Status / Deadline
Changed: guarantee ceiling raised to Rs 10 crore from 1 Apr 2025.
Official Portal
Helpline
See cgtmse.in contact page
Last Verified
15 October 2026
🔗 Important Action Links (Official Portals):
What is the Scheme?
A government-backed guarantee so banks can give business loans to micro and small units without collateral.
Also known as: CGTMSE loan, collateral free MSME loan
Who is it for?
New and existing micro and small enterprises in manufacturing, services and retail trade.
Benefits and Financial Assistance
| # | Key Benefit / Entitlement Details | Category / Mode |
|---|---|---|
| 1 | Guarantee cover on loans up to Rs 10 crore per borrower. | Primary Benefit (DBT/Subsidy) |
| 2 | Annual guarantee fee from 0.37% (small loans) up to 1.20%, paid via the bank. | Direct Support |
| 3 | Higher cover for women, SC/ST, NE and small loans as per scheme rules. | Direct Support |
Eligibility Criteria
Applicants must meet the following eligibility conditions:
- Micro or small enterprise (Udyam registration).
- Loan from a CGTMSE member lending institution.
Documents Needed
Keep the following documents ready before submitting your application:
- ✓ Udyam registration
- ✓ KYC
- ✓ Business plan / financials
- ✓ Loan application
How to Apply Online (Step-by-Step)
- Apply for the loan with your bank (or on jansamarth.in where available). The bank takes the CGTMSE cover.
How to Apply Offline
- Ask your bank branch for a CGTMSE-covered loan.
How to Check Application / Payment Status
- Through your bank.
Official Website and Helpline Numbers
| Official Portal | https://www.cgtmse.in ↗ |
|---|---|
| Helpline / Contact | See cgtmse.in contact page |
| Nodal Ministry | Ministry of MSME with SIDBI |
Important Dates & Milestones
Rs 10 crore ceiling from 1 Apr 2025. Checked 15 Oct 2026.
Frequently Asked Questions (FAQs)
❓ Can I apply to CGTMSE directly?
No. Your bank applies for the guarantee.
❓ Who pays the fee?
Usually passed to the borrower by the bank.
❓ Is Udyam needed?
Yes.
❓ Max loan covered?
Rs 10 crore.
Sources & Official References
All facts on this page were verified on 15 October 2026 from the following official government sources:
- CGTMSE scheme document (Apr 2025): https://cgtmse.in/Default/ViewFile/?id=1743176302611_CGTMSE+-+Scheme+Document+CGS+I_updated+as+on+Apr+1+2025.pdf&path=Page [blocked our server check (HTTP 000), likely IP/geo filtering; link taken from official search results, open it from India to confirm] ↗
- CGTMSE fee structure: https://www.cgtmse.in/Home/VS/47 [blocked our server check (HTTP 000), likely IP/geo filtering; link taken from official search results, open it from India to confirm] ↗
Fact-Check Verification: This scheme entry was reviewed and fact-checked by Abhishek (govtschemes.net) using official PIB releases, ministry guidelines, and gazette records.
If you notice any outdated rule or change, please report a correction.
Related Central Government Schemes
Other central government schemes in the same sector and target audience:
Notice: govtschemes.net is not a government website. We are an independent information site. Always confirm eligibility and apply only on official government portals.