CGTMSE — credit-guarantee information for micro and small enterprises
CGTMSE supports eligible micro and small enterprise lending through credit guarantees to participating lenders. SIDBI explains how the guarantee mechanism supports finance where conventional collateral requirements can be a barrier. An enterprise should discuss coverage with its lender. The trust does not promise borrowers direct cash, automatic approval or cancellation of repayment obligations.
- Authority
- Credit Guarantee Fund Trust for Micro and Small Enterprises; Ministry of MSME and SIDBI
- Coverage
- All India
- Current status
- Official reference portal. Check the authority for availability and conditions.
What this service provides
- Credit-guarantee overview
- Participating-lender route guidance
- Official trust website link
A guarantee supports the lender against eligible credit risk. It is not a borrower grant or loan waiver.
Who can use this service
Eligible micro or small enterprises and qualifying facilities are assessed under current trust and member-lender rules.
Documents and information
The official portal specifies the documents or inputs for the selected service. No universal document checklist has been verified for this directory entry.
Official fees / charges
Official fee, if any, is shown by the responsible portal for the selected service. Private assistance is separate.
How to use the portal
- Read how lender guarantees work.
- Ask the proposed lender whether the credit facility qualifies.
- Review applicable guarantee charges and repayment obligations before accepting finance.
Before you begin
Public official information was readable. Individual applications require the responsible authority or lender to assess the case.
Source and verification notes
Directory information checked on 8 October 2026. Verification method: direct-page. Public official information was readable. Individual applications require the responsible authority or lender to assess the case. Official evidence: https://www.sidbi.in/cgtmse
Important links
A reference to a loan or business programme is not an approval or a promise of finance. Read the lender’s eligibility, interest, fees and repayment terms. The lender decides sanction and disbursement.
Need help with this service?
Private assistance starts from ₹200.00. Official fees are extra where applicable. We confirm the scope and final charge first.
Keep OTPs, passwords and PINs private. Some steps require your own authentication, a centre visit or an authority’s decision.