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
70%
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
Everything you need to know about the CGTMSE scheme with verified information from official sources (Updated April 2025)
Source: Official CGTMSE website (cgtmse.in) and Ministry of MSME guidelines, updated as of April 2025
View all CGTMSE FAQs