What is CGTMSE Fee?

Credit Guarantee Funds Trust for Micro and Small Enterprises was launched in 2000. It is an initiative by the MSME Ministry, government of India with SIDBI (Small Industries Development Bank of India).

The CGTMSE scheme provides credit guarantee to the lending institutions that offer business loans to SMEs and MSMEs. This initiative is to promote and help SMEs flourish in India.

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CGTMSE Scheme Eligibility

All new and ongoing micro, small and medium enterprises can avail a business loan with CGTMSE guarantee cap. It is an imperative provision that helps SMEs to sustain and thrive in the competition.

Since the trust bears the risk, there is no need for the borrower to offer collateral to the lender. The objective of the scheme is to let the MSMEs achieve their business goals without any worries by availing an unsecured business loan. You can apply for CGTMSE Loan only when you fulfil CGTMSE loan eligibility.

CGTMSE Guarantee Fee

A CGTMSE fee is charged to avail the guarantee cover. Some percentage of 1% (per annum) of the loan amount sanctioned is charged as the fee:

Under the CGTMSE scheme, the credit guarantee available is 75-80% of the loan amount with a maximum cap of Rs. 62.5-65 lakh for a loan up to Rs. 50 lakhs.

The 85% is for microenterprises availing a business loan of up to Rs. 5,00,000. The guarantee cap is limited to 50% for the loans approved above Rs. 50 lakhs but less than Rs. 100 lakhs. The guarantee tenure is a block of 4 years.


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