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

Definition

Collateral-free credit guarantee on term loans / working capital up to Rs 5 Cr for micro and small enterprises. Lender requires Udyam registration; coverage 75–85%.

• SourceCGTMSE Operational Guidelines (revised April 2023) — Chapter II (Eligibility) + Chapter III (Coverage)cgtmse.in

Benefit

Type: credit_guarantee

Value: Guarantee cover 75–85% (higher for women, NER, SC/ST) on credit up to Rs 5 Cr; one-time + annual guarantee fee 0.37%–1.35%.

Apply at: https://www.cgtmse.in/

Triggers (applicability predicates)

Applied via the lending bank — the weaver doesn't apply directly; required as a backstop to bank loans funding ATUFS-eligible looms.

• sectors=any, textile_weaving
• states=any
• msme=micro, small

Citations

• SourceCGTMSE Operational Guidelines (revised April 2023) — Chapter II (Eligibility) + Chapter III (Coverage)cgtmse.in