CGTMSE
Collateral-Free MSME Loans under CGTMSE
Access funding under the Credit Guarantee Fund Trust for Micro and Small Enterprises — without pledging collateral.
Key Features
- Collateral-free credit facility for eligible MSMEs
- Funding from ₹10 Lakhs to ₹10 Crores
- Available across PSU Banks, Private Banks and select NBFCs
- Both term loan and working capital under guarantee cover
- Suitable for new and existing MSME units
Basic Eligibility
- MSME registration / Udyam registration
- New or existing micro and small enterprises
- Manufacturing, services or trading activity
- Acceptable promoter background and CIBIL profile
- Viable business model with clear repayment ability
About
What CGTMSE means for your business
The CGTMSE scheme is a Government of India initiative that enables micro and small enterprises to access institutional credit without collateral. Lenders extend funding under a credit guarantee cover, allowing growing businesses to secure capital based on the strength of their business model rather than physical security. Udyam India helps you assess eligibility, prepare lender-ready documentation and align your case with the right banking partner.
Documents
Typical documents required
Indicative list — exact requirements vary by lender, product and case profile.
- KYC of promoters and business entity
- Udyam / MSME registration certificate
- GST returns and bank statements (last 12 months)
- ITR and financials of the last 2–3 years
- Property / collateral documents (if applicable)
- Project report / business profile
Structured guidance
Lender-fit advisory aligned with MSME funding norms and policy.
PSU · Private · NBFC
Wide lender network across India's banking ecosystem.
Documentation support
Project reports, financials and submission-ready files.
Eligibility-based
No guaranteed approvals — outcomes follow lender policy.
Get Started
Enquire about Collateral-Free MSME Loans under CGTMSE
Share a few details and our MSME advisory team will reach out with structured next steps based on your eligibility profile.
Doorstep services available for funding requirements above ₹1 Crore in major cities across India. Remote support available for other locations and smaller funding requirements.
Ready when you are
Let's Build Your Growth Story
Get structured MSME funding guidance from advisors who understand banking from the inside.