1.15 crore
cumulative guarantees approved
Special Announcements
Introduction
Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) is jointly set up by Ministry of Micro, Small & Medium Enterprises (MSME), Government of India and Small Industries Development Bank of India (SIDBI) to catalyse flow of institutional credit to Micro & Small Enterprises (MSEs). Credit Guarantee Scheme (CGS) was launched to strengthen credit delivery system and to facilitate flow of credit to the MSE sector, create access to finance for unserved, under-served and underprivileged, making availability of finance from conventional lenders to new generation entrepreneurs. Over the past 22 years, CGTMSE has been instrumental in providing guarantee cover to collateral and/or third party guarantee free credit facilities extended by eligible Member Lending Institution [MLIs] to MSEs.
Measuring Our Impact and Progress
We continue to play a key role in enabling collateral-free credit for MSEs in India, and over the past 25 years, our growth reflects our strong commitment to building a vibrant and financially inclusive ecosystem for these important contributors to the economy.
हमारे प्रभाव और प्रगति को मापना
हम भारत में सूक्ष्म और लघु उद्यमों (MSEs) के लिए बिना गिरवी के ऋण उपलब्ध कराने में एक महत्वपूर्ण भूमिका निभाते आ रहे हैं। पिछले 25 वर्षों में हमारी वृद्धि हमारे मजबूत संकल्प को दर्शाती है, जो इन अर्थव्यवस्था के महत्वपूर्ण योगदानकर्ताओं के लिए एक सशक्त और वित्तीय रूप से समावेशी पारिस्थितिकी तंत्र के निर्माण के प्रति समर्पित है।
₹9.34 lakh crore
worth cumulative guarantees approved
276 MLIs
registered with us under CGS-I and CGS-II
* Data as on March 31, 2025
Our Collaboration
हमारा सहयोग
The Process
प्रक्रिया
Step 1: Approach a Member Lending Institution (MLI)
Approach a MLI (Banks, NBFCs, FIs) registered with CGTMSE for your MSE loan (Term Loan or Working Capital).
Note: Check the official CGTMSE website for the list of MLIs.
Step 2: Loan Application & Sanction
The MLI processes your loan application and sanctions/disburses the loan based on their internal credit appraisal mechanisms.
Step 3: MLI Applies for Guarantee Coverage
After loan sanction/disbursement, the MLI lodges an application for guarantee coverage with CGTMSE.
Step 4: Issuance of Guarantee Cover
CGTMSE approves the application and the guarantee cover is issued to the MLI upon receipt of the applicable fee.
Quick Links
त्वरित सम्पक
Videos
वीडियो
Latest News & Events
Ceiling for Guarantee coverage raised from 500 lakh to 10 crore
Annual Guarantee Fee structure revised and fee reduced for Guarantees above ₹1 Crore
Tracking our projects and results is a cornerstone of our work to become more transparent, accountable, and deliver impact that changes lives. Tracking our projects and results is a cornerstone of our work to become more transparent, accountable, and deliver impact that changes lives.Tracking our projects and results is a cornerstone of our work to become more transparent, accountable, and deliver impact that changes lives.
Tracking our projects and results is a cornerstone of our work to become more transparent, accountable, and deliver impact that changes lives. Tracking our projects and results is a cornerstone of our work to become more transparent, accountable, and deliver impact that changes lives.Tracking our projects and results is a cornerstone of our work to become more transparent, accountable, and deliver impact that changes lives.
Tracking our projects and results is a cornerstone of our work to become more transparent, accountable, and deliver impact that changes lives. Tracking our projects and results is a cornerstone of our work to become more transparent, accountable, and deliver impact that changes lives.Tracking our projects and results is a cornerstone of our work to become more transparent, accountable, and deliver impact that changes lives.
Tracking our projects and results is a cornerstone of our work to become more transparent, accountable, and deliver impact that changes lives. Tracking our projects and results is a cornerstone of our work to become more transparent, accountable, and deliver impact that changes lives.Tracking our projects and results is a cornerstone of our work to become more transparent, accountable, and deliver impact that changes lives.
Tracking our projects and results is a cornerstone of our work to become more transparent, accountable, and deliver impact that changes lives. Tracking our projects and results is a cornerstone of our work to become more transparent, accountable, and deliver impact that changes lives.Tracking our projects and results is a cornerstone of our work to become more transparent, accountable, and deliver impact that changes lives.
We are on Social
हम सोशल पर हैं
- Our Toll Free No. is: 1800222659 Important Note: CGTMSE does not provide any financial assistance. It only gives guarantees for the collateral/ third party guarantee free assistance provided by its Member Lending Institutions viz. Banks/ RRBs/ select financial institutions. "Warning: www.cgtmse-govt.in/ www.cgtmse-gov.in/ www.pmay-gov.in is not our website. Our primary web-site is www.cgtmse.in. The same can also be accessed using www.cgtsi.org.in, www.cgtmse.com, www.cgtmse.co.in and www.cgtmse.org.in. CGTMSE only deals with its MLIs i.e. Banks / Financial Institutions directly. CGTMSE does not grant loan / credit facilities / subsidies nor does it have any Agents / Agencies for arranging loans / credit facilities / subsidies through its MLIs. Anybody dealing with web-sites having deceptively similar web-site addresses shall do so at their own risk and responsibility. Please note that our address has changed. Our new address is: CGTMSE, 1002 & 1003, SIDBI, Swavalamban Bhavan, 1st Floor, C-11, G-Block, BKC, Bandra (E), Mumbai - 400 051.
- हमारा टोल फ्री नंबर है: 1800222659 महत्वपूर्ण नोट: सीजीटीएमएसई किसी भी वित्तीय सहायता प्रदान नहीं करता है। यह केवल अपने सदस्य उधार देने वाली संस्थाओं के लिए जमानत/ तृतीय पक्ष जमानत मुक्त सहायता के लिए गारंटी प्रदान करता है। जैसे कि बैंकों/ आरआरबीआर / चुने गए वित्तीय संस्थाओं। "चेतावनी: www.cgtmse-govt.in/ www.cgtmse-gov.in/ www.pmay-gov.in हमारी वेबसाइट नहीं है। हमारी प्राथमिक वेबसाइट www.cgtmse.in है। इसे www.cgtsi.org.in, www.cgtmse.com, www.cgtmse.co.in और www.cgtmse.org.in का उपयोग करके भी देखा जा सकता है। सीजीटीएमएसई केवल अपने सदस्य उधार देने वाली संस्थाओं यानी बैंकों / वित्तीय संस्थाओं के साथ ही काम करता है। सीजीटीएमएसई कोई ऋण / क्रेडिट सुविधाएं / सब्सिडी प्रदान नहीं करता है और न ही इसके पास कोई एजेंट / एजेंसियां होती हैं जो अपने सदस्य उधार देने वाली संस्थाओं के माध्यम से ऋण / क्रेडिट सुविधाएं / सब्सिडी की व्यव स्था करती हों। किसी भी वेबसाइट के साथ जुड़ी वेबसाइट पतों वाले वेबसाइटों के साथ संबंधित लोग खुद का जोखिम और ज़िम्मेदारी पर जाएंगे। कृपया ध्यान दें कि हमारा पता बदल गया है। हमारा नया पता है: सीजीटीएमएसई, 1002 और 1003, सिडबी, स्वावलंबन भवन, पहली मंजिल, सी-11, जी-ब्लॉक, बीकेसी, बांद्रा (पूर्व), मुंबई - 400 051।