Credit Guarantee Fund Trust for Micro & Small Enterprises (CGTMSE)

Objective

To provide enhanced guarantee coverage for credit facilities extended by lending institutions to Micro and Small Enterprises (MSEs) situated in NCT Delhi.

Eligibility Criteria

• New and existing MSEs in NCT Delhi.
• Maximum guarantee eligible: ₹10 crore.
• Manufacturing, Service, Trading and Educational & Training institutions are eligible (except Agriculture and SHG).
• Applicable through CGTMSE Member Lending Institutions.

Key Benefits

• 95% guarantee coverage.
• Collateral-free guarantee up to ₹10 crore.
• Hybrid model supports secured and unsecured credit.
• Additional fee concession for eligible categories.

Guarantee Process

1. Loan proposal submitted by Bank.
2. Loan sanctioned by Bank.
3. Application submitted on CGTMSE Portal.
4. CGTMSE approval, CGPAN creation & fee generation.
5. After fee payment, guarantee coverage is issued.

Guarantee Process Flow Chart

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