luckpandaScheme or incentive
Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE)
Collateral-free credit guarantee on term loans / working capital up to Rs 5 Cr for micro and small enterprises. Lender requires Udyam registration; coverage 75–85%.
Information, not legal advice. Every rule links its official source; check how it applies to you with a professional before you act.
Definition
Collateral-free credit guarantee on term loans / working capital up to Rs 5 Cr for micro and small enterprises. Lender requires Udyam registration; coverage 75–85%.
- SourceCGTMSE Operational Guidelines (revised April 2023) · Chapter II (Eligibility) + Chapter III (Coverage)
cgtmse.in
Benefit
- Type
- credit guarantee
- What you get
- Guarantee cover 75–85% (higher for women, NER, SC/ST) on credit up to Rs 5 Cr; one-time + annual guarantee fee 0.37%–1.35%.
- Administered by
- Ministry of MSME / SIDBI
- Apply
- cgtmse.in
Eligibility conditions
Applied via the lending bank — the weaver doesn't apply directly; required as a backstop to bank loans funding ATUFS-eligible looms.
sectors=any, textile_weavingstates=anymsme=micro, small
Citations
- SourceCGTMSE Operational Guidelines (revised April 2023) · Chapter II (Eligibility) + Chapter III (Coverage)
cgtmse.in