सीजीटीएमएसई संपार्श्विक-मुक्त क्रेडिट गारंटी सुविधा (₹5 करोड़ तक)
ऋण प्रदाता बैंक / संस्था: Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE)
Collateral-free credit guarantee enabling bank loans up to ₹5 Crore for micro and small enterprises.
💼उत्पाद विवरण एवं मुख्य लाभ (Product Overview & Benefits)
उत्पाद का संक्षिप्त विवरण
National credit guarantee mechanism jointly set up by Ministry of MSME and SIDBI enabling banks to sanction collateral-free business loans up to ₹5 Crore to new and existing micro and small enterprises.
प्रमुख लाभ एवं व्यावसायिक विशेषताएं
Up to ₹5 Crore bank credit without mortgaging land, building, or residential property; guarantee coverage up to 85% for women and micro units; accepted by all Member Lending Institutions (MLIs).
📋पात्रता मानदंड एवं कोलेटरल नियम (Eligibility & Collateral)
व्यावसायिक पात्रता शर्तें
New and existing Micro and Small Enterprises (MSEs) engaged in manufacturing or service activities with valid Udyam Registration.
जमानत / कोलेटरल आवश्यकता (Collateral)
Strictly zero third-party collateral or mortgage; primary hypothecation of funded business assets only
प्रीपेमेंट एवं समय-पूर्व बंद करने के नियम (Prepayment Terms)
Zero prepayment penalty on floating rate loans
📂आवश्यक दस्तावेज (Required Documents)
Udyam Registration Certificate, DPR / Business plan, 2 years ITR and financial statements (for existing units), GST returns, KYC documents.
⚠️क्या कमी है / महत्वपूर्ण चेतावनियां (Honest Disclosures & Caveats)
Borrower must pay Annual Guarantee Fee (AGF) to CGTMSE. Retail trade, educational institutions, agriculture, and SHGs are subject to specific sub-limits.
🚀आवेदन के चरण (How to Apply)
Request CGTMSE-backed credit structuring from existing lending bank.
Apply at psbloansin59minutes.com or commercial bank MSME portal selecting collateral-free guarantee.
Approach MSME desk of any public/private bank or participating NBFC.
❓अक्सर पूछे जाने वाले प्रश्न (FAQs)
What is the maximum loan limit covered under CGTMSE?
The guarantee ceiling was enhanced to ₹5.00 Crore (₹500 Lakh) per MSE borrower.
What is the guarantee coverage percentage?
CGTMSE covers 85% for micro-enterprises up to ₹5 Lakh, 85% for women-owned units and units in NER/Aspirational districts, and 75% for general MSE loans.
Does the borrower have to provide any property collateral?
No. The core objective of CGTMSE is that banks cannot demand third-party collateral or real estate mortgage for covered facilities.
What is the Annual Guarantee Fee (AGF)?
The AGF ranges from 0.37% to 1.35% per annum based on loan slab and borrower risk category.