Loans · GOVERNMENT SUPPORT
CGTMSE
Credit Guarantee Fund Trust for Micro and Small Enterprises
A credit-guarantee framework intended to support eligible micro and small enterprises in accessing covered credit facilities.
AT A GLANCE
Key numbers
Guarantee Coverage Ceiling
₹10 Crore
Minimum Guarantee Fee
0.37% p.a.
Route
Member Lending Institutions
Guarantee Coverage Ceiling
₹10 Crore
Minimum Guarantee Fee
0.37% p.a.
Route
Member Lending Institutions
Processing Time
Lender / CGTMSE dependent
ELIGIBILITY
Who can explore this scheme?
Use these points as a first-level guide to understand whether the scheme may be relevant to your business or project.
Need help checking your fit?
Share your business context with us and we can help you understand the relevant preparation areas.
Discuss your requirement →Micro & Small Enterprises
Designed for eligible micro and small enterprises seeking covered credit facilities.
Eligible Credit
The proposed facility must fall within the applicable guarantee framework.
Participating Lender
Credit is processed through eligible participating lending institutions.
Business Documentation
The enterprise must provide the information and documents required by the lender.
SCHEME BENEFITS
What this pathway can offer.
These are the key areas of support associated with this programme. Actual benefits remain subject to applicable scheme rules and approval.
Credit guarantee support for eligible facilities
Can improve access to covered business credit
Designed specifically around micro and small enterprises
Supports lender-led financing pathways
Can be relevant for businesses seeking structured debt access
POTENTIAL BENEFICIARIES
Who this may be relevant for.
Eligible micro enterprises
Eligible small enterprises
Businesses seeking formal credit
Founders preparing for lender discussions
BEFORE YOU APPLY
Information you should have ready.
Business registration information
Promoter and ownership details
Financial information
Business/project documentation
Credit requirement details
Documents requested by the participating lender
MARKET DECODE SUPPORT
We help you prepare before you apply.
The right scheme is only the starting point. We help founders and businesses organise the information, documentation and preparation required to move towards the application process.
Advisory support, not an approval promise.
Our role is to help you prepare. Final eligibility, approval, sanction and disbursement remain outside Market Decode's control.
Business Readiness
We help organise the information needed to present your business clearly to a lender.
Financial Preparation
We assist with relevant financial preparation and organisation.
Documentation
We help organise the documentation required for the financing process.
Lender Readiness
We help you prepare before approaching the relevant lending institution.
APPLICATION JOURNEY
From understanding the scheme to moving forward.
Assess
Understand whether your enterprise and credit requirement fit the applicable framework.
Prepare
Organise business and financial information required for lender evaluation.
Approach Lender
Proceed through an eligible participating lending institution.
Review
The lender evaluates the credit proposal and applicable guarantee conditions.
IMPORTANT GUIDANCE
Guidance and preparation support — not an approval guarantee.
Market Decode provides advisory, documentation, financial-preparation and application-readiness support. We do not approve, sanction or disburse government benefits, subsidies or loans. Final eligibility, scrutiny, approval, sanction and disbursement are solely determined by the relevant government authority, bank, lender or participating institution. Our support does not guarantee eligibility, approval, subsidy, loan sanction or funding.
READY TO EXPLORE THIS PATHWAY?
Let's understand whether this scheme fits your business.
Share your business context with Market Decode and start with a conversation about eligibility, preparation and the next steps.