Home › CGTMSE Credit Guarantee for Micro & Small Enterprises (CGS-I)
CGTMSE Credit Guarantee for Micro & Small Enterprises (CGS-I)
Ministry of MSME & SIDBI, via CGTMSE · Central scheme · Loan guarantee
Not money from government: a guarantee (usually 75–90%) to your bank so it lends without collateral. Fee 0.37%–1.20% a year.
RollingNo fixed deadline published
Summary
CGTMSE Credit Guarantee for Micro & Small Enterprises (CGS-I) is a loan guarantee from Ministry of MSME & SIDBI, via CGTMSE. Any Indian state. If you meet the basic rules, you can apply; the committee decides.
Eligibility
| Where | Any Indian state. |
|---|---|
| Entity types | individual, pvt_ltd, llp, partnership |
| Must be incorporated | Yes |
| Company age | No limit stated |
| Stages | prototype, revenue, scaling |
| Sectors | any |
| DPIIT recognition | Not required |
| Indian shareholding | Not stated |
| Prior govt support cap | Not stated |
Who it's for
- Udyam-registered micro/small enterprise
- A loan from a CGTMSE member lender
- No collateral offered for covered portion
Who it's not for
- No specific exclusions recorded yet. Check the official page.
A co-founder living in another city never disqualifies a company-based scheme.
What to do next
Keep these ready
- Udyam-registered micro/small enterprise
- A loan from a CGTMSE member lender
- No collateral offered for covered portion
How to apply
Ask your bank for a CGTMSE-covered loan; the lender registers the guarantee.
Go to official page ↗ Check my match
Details last checked 2026-10-30. Always confirm on the official page.
Deadline
No fixed deadline published. Watch the official page for calls.
Combinations
No stacking rules recorded.
Official page ↗ Check my match
Related schemes
- Credit Guarantee Scheme for Startups (CGSS) — Guarantee cover on loans up to ₹20 crore
- NIDHI Seed Support Program (NIDHI-SSP) — Seed support up to ₹1 crore per startup (typically ~₹25 lakh)
- Stand-Up India (SC/ST & women entrepreneurs) — Bank loan ₹10 lakh – ₹1 crore (scheme period ended 31 Mar 2025)
- BIRAC Biotechnology Ignition Grant (BIG) — Up to ₹50 lakh
Last verified 2026-10-30