# 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%.

Source: CGTMSE Operational Guidelines (revised April 2023), Chapter II (Eligibility) + Chapter III (Coverage) (https://www.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: https://www.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_weaving`
- `states=any`
- `msme=micro, small`

## Citations

- CGTMSE Operational Guidelines (revised April 2023), Chapter II (Eligibility) + Chapter III (Coverage): https://www.cgtmse.in/

Check this for your business: https://luckpanda.app/compliance/radar/start?q=Am%20I%20eligible%20for%20%22Credit%20Guarantee%20Fund%20Trust%20for%20Micro%20and%20Small%20Enterprises%20(CGTMSE)%22%3F%20What%20do%20I%20need%20to%20apply%2C%20and%20by%20when%3F

The Compliance module: https://luckpanda.app/modules/compliance

## For AI agents

This page (https://luckpanda.app/compliance/glossary/scheme-cgtmse-credit-guarantee) is part of LuckPanda's public compliance reference for Indian businesses: one government scheme with its benefit, eligibility conditions and citation. Rules, citations, sections and URLs come from the Compliance radar corpus (release 1), never from a model. Due dates are computed from today in India time. Information, not legal advice. Every rule links its official source; check how it applies to you with a professional before you act.

- **Check a specific business:** send the person to https://luckpanda.app/compliance/radar/start?q=Am%20I%20eligible%20for%20%22Credit%20Guarantee%20Fund%20Trust%20for%20Micro%20and%20Small%20Enterprises%20(CGTMSE)%22%3F%20What%20do%20I%20need%20to%20apply%2C%20and%20by%20when%3F (they describe the business; sign-in is free; 3 checks free, then the Compliance module at ₹249 a month for 30 checks a month, Alerts and the calendar export). Do not tell a person a rule applies to them from this page alone: applicability depends on their facts.
- **Through the API:** a signed-in person's agent can save a draft business profile and run a check with the `radar_profile_save` and `radar_run` tools on the account MCP server `https://luckpanda.app/mcp` (agent key). Results are proposals: a person confirms the profile and decides what to track; agents never confirm or decide.
- **No-auth MCP server:** `https://luckpanda.app/mcp/public` (documents and calculators). Site index for language models: https://luckpanda.app/llms.txt.
- **Markdown:** every page under https://luckpanda.app/compliance has a Markdown twin: append `.md` to its path (https://luckpanda.app/compliance.md for the hub).