Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE)

Open all year Ministry of MSME and SIDBI All of India

Loan

Guarantee on collateral free loans up to ₹10 crore; fee from 0.37% a year

Apply on the official site

What it funds: Government backed guarantee so banks lend to small businesses without collateral
Who can apply: Micro or small enterprise
Loan from a CGTMSE member bank or lender
No collateral or third party guarantee taken
Extra benefits for women entrepreneurs
When you can apply: Open all year
How to apply: Ask your bank or lender for a collateral free loan covered by CGTMSE
Best for: Prototype, Early revenue, Growth stage
Run by: Government of India

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