Unlock₹10 Crore Collateral-FreeFunding for Your Business
The CGTMSE scheme has been enhanced in 2025 to provide up to ₹10 crore in collateral-free loans, empowering MSMEs with unprecedented access to capital.
Govt Guaranteed
Backed by Ministry of MSME
No Collateral
Secure loans without assets
CGTMSE 2025 Highlights
Transformative updates for MSMEs
Increased Guarantee Ceiling
Maximum coverage expanded from ₹5 crore to ₹10 crore
Reduced Guarantee Fees
Annual guarantee fees reduced to as low as 0.37%
Enhanced Trade Coverage
Trading activities now aligned with other sectors
Success Rate
92%
Processing
7 Days
Businesses
45L+
Get Collateral-Free Business Funding
in 6 Simple Steps
Our streamlined process makes it easy to access government-guaranteed loans of up to ₹10 crore without collateral. Saarthium guides you through each step with expert assistance.
Step 1:
Check Eligibility & Documentation
Verify if your business meets CGTMSE criteria and prepare essential documents.
How Saarthium helps:
We'll check your eligibility and help prepare all required documents correctly.
Requirements Checklist:
Pro Tips for Success:
- Ensure all documents are clear, recent, and properly attested
- Double-check your MSME/Udyam registration details match other documents
Need Help With Your CGTMSE Application?
Our CGTMSE experts will guide you through every step of the process, from eligibility assessment to final disbursement, ensuring your application is processed quickly and efficiently.
Frequently Asked Questions
What is the maximum loan amount under the updated CGTMSE scheme?
As per the 2025 enhancements, the maximum loan amount under the CGTMSE scheme has been increased to ₹10 crore from the previous limit of ₹5 crore. This significant increase enables MSMEs to access larger capital for expansion and modernization projects.
Which businesses are eligible for the CGTMSE scheme?
The CGTMSE scheme is available to new and existing Micro and Small Enterprises (MSEs) as defined under the MSMED Act. This includes manufacturing enterprises with investment in plant and machinery up to ₹10 crore and service enterprises with investment in equipment up to ₹5 crore.
Is collateral required for CGTMSE loans?
No, that's the primary benefit of the CGTMSE scheme. Loans under this scheme are provided without collateral security or third-party guarantees. The Credit Guarantee Fund Trust provides a guarantee to the lender for a significant portion of the loan amount.
What are the guarantee fees under the scheme?
The annual guarantee fee has been reduced in 2025 to as low as 0.37% per annum, depending on the loan amount and borrower category. The fee is typically charged on the sanctioned loan amount.