Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE)
In simple words
A guarantee cover for collateral-free loans to micro and small enterprises. The lender applies for the cover.
What you may get
Guarantee cover for loans up to Rs 10 crore per loan. Minimum annual guarantee fee is 0.37% per year.
Who it is for
Micro and small enterprises taking loans from registered lenders.
Main eligibility conditions
- Loan must come from a registered member lending institution.
Conditions we could not check
- Applies to micro and small enterprises only.
- The loan is given by a bank or lender registered with CGTMSE, who decides the sanction.
- Cover is given to the lender, not directly to the borrower. The portal states a cover of up to Rs 10 crore per loan and a minimum fee of 0.37% per annum.
Documents you may need
We could not confirm a document list. Check the official source.
How to apply
- Approach a registered lending institution (bank or NBFC) for a collateral-free loan.
- Submit your loan application to the lender.
- After the loan is sanctioned, the lender applies for the guarantee cover.
- CGTMSE issues the cover once the guarantee fee is paid.
Where to go
A registered lending institution (bank or NBFC).
What to take
- Documents your lender asks for.
What to do there
- Ask the lender if the loan can be given under CGTMSE cover.
Application fee
We could not confirm an application fee.
Application dates
- Current deadline could not be confirmed. Check the official source.
Official information
Department: Government of India (Ministry of MSME and SIDBI), CGTMSE
Last checked: 24 September 2026
We could not confirm an official application link. Please use the official source below.
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LABHLO Summary. Not an official government document.
LABHLO is not a government website. Final eligibility and approval are decided by the relevant government authority. Check the official source before applying.
Do not pay anyone just because they promise scheme approval. Check payment requirements on the official government source.
Questions and answers
Answers come only from the official information we checked.
Who can apply?
Micro and small enterprises taking loans from registered lenders.
How much is the benefit?
Guarantee cover for loans up to Rs 10 crore per loan. Minimum annual guarantee fee is 0.37% per year.
Which documents are needed?
We could not confirm this from the official information we checked.
How can I apply?
The official steps are: 1. Approach a registered lending institution (bank or NBFC) for a collateral-free loan. 2. Submit your loan application to the lender. 3. After the loan is sanctioned, the lender applies for the guarantee cover. 4. CGTMSE issues the cover once the guarantee fee is paid.
Is it open now, and what is the last date?
We could not confirm this from the official information we checked.
Can I apply online?
We could not confirm this from the official information we checked.
Is there an application fee?
We could not confirm this from the official information we checked.
Is there an official PDF?
We have not found an official PDF for this scheme.
Where each fact comes from
- benefit: CGTMSE portal
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Final eligibility is decided by the government authority.
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