Credit Guarantee Fund Trust For Micro and Small Enterprises

This is a Collateral free facility specially designed under the Credit Guarantee Fund Trust for Micro and Small Enterprises (MSE). (CGTMSE) scheme of SIDBI and Ministry of Small and Medium Enterprises as defined under MSMED Act, 2006.

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Facilities Offered

  • Get Collateral free loans up to Rs.2 crore under CGTMSE scheme
  • Cash credit for meeting working capital finance requirement
  • Term Loan for purchase of commercial assets and business expansion needs

Eligible entities

  • Sole Proprietorship Firms, Partnership Firms, Private limited Companies, Public limited Companies

Eligible business segment:

  • MSE excluding Retail traders

Guarantee Fee payable

Composite all in Guarantee fee is as under:


Credit FacilityAnnual Guarantee Fee % p.a.
Women Micro Enterprises and units in North East Region (including Sikkim) Others
Up to Rs.5 Lacs 0.75% 1.0%
Above Rs.5 Lacs 0.85% 1.0%


Ref: CGTMSE CIR no CGTMSE/(44)/5012 Dated October 10, 2012.


  • Guarantee fee is payable every year
  • You may visit for complete details of the scheme