Credit Guarantee Fund Trust for Micro and Small Enterprises

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Benefits

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Source: manual

• ·Udyam registration certificate
• ·Bank loan application
• ·Project report
• ·Financial statements

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How to Apply

1. 1

   Apply for a Loan

   Approach a CGTMSE member lending institution (MLI) - most scheduled banks qualify

2. 2

   Bank Sanctions Loan

   MLI assesses and sanctions a collateral-free loan up to Rs 2 crore for your MSE

3. 3

   MLI Pays Guarantee Fee

   The lending bank pays an annual guarantee fee to CGTMSE on your behalf (may be passed to borrower)

4. 4

   Loan Disbursement

   Funds disbursed to your account; CGTMSE guarantee cover is activated automatically

5. 5

   Maintain Repayments

   Repay as per agreed schedule; CGTMSE steps in if the MLI files a claim due to default

Note: Some schemes cannot be combined on the same expenditure item — verify co-applicability with the respective ministry before applying for multiple schemes.