The Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) was launched by the Government of India.

• Collateral-free loans up to ₹10 crore for eligible MSEs.

• Coverage available for new as well as existing enterprises.

• Guarantee cover ranges from 75% to 85% of the sanctioned credit limit.

• Both Term Loans and Working Capital Facilities are eligible.

• Special benefits for women entrepreneurs, North Eastern Region units, and SC/ST entrepreneurs.Encourages banks/NBFCs to lend more freely to MSEs. 

• Supports financial inclusion and boosts employment generation.