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StockRHINO | CGTMSE Loan

Grow Your Business with CGTMSE Loans

Access collateral-free credit for your micro and small enterprise under the CGTMSE scheme and fuel your business growth.

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MSME Loan Backed by Govt. Guarantee!

Providing accessible bank credit without the complexities of collateral or third-party assurances would serve as a significant form of assistance for aspiring initial entrepreneurs in achieving their goal of establishing their own Micro & Small Enterprise (MSE).

Why choose CGTMSE Loans ?

Ceiling for Guarantee coverage raised from Rs. 200 lakh to Rs. 500 lakh

Guarantee fee reduced to diminish the overall cost of borrowings to MSES

Micro Finance Institutions as Member Lending Institutions (MLIs) are now eligibleConcessions related to fees and increased coverage to SC/STs

Features

Interest Rates

Eligible Activities

Loan Amount

Guarantee Coverage

Collateral/Third Party Guarantee

Eligible Member Lending Institutions (MLIs)

Annual Guarantee Fee for amount up to Rs. 1 crore

CGTMSE Loan's FAQ's

What is CGTMSE?

A government credit guarantee scheme for MSMEs.

Who can apply?

New and existing MSMEs.

Is collateral needed?

No collateral up to ₹2 crore.

What is the loan limit?

Up to ₹2 crore.

Which sectors are covered?

Manufacturing and services (except a few excluded).

What is the guarantee cover?

Up to 75–85% of the loan.

Do women entrepreneurs get benefits?

Yes, with higher guarantee cover.

Are retail traders eligible?

No, retail trade is excluded.

Which banks provide this?

Scheduled Commercial Banks, RRBs, SFBs, NBFCs.

Is there any guarantee fee?

Yes, a small annual fee is charged.