CGTMSE full form in Hindi
CGTMSE full form in Hindi samjhiye: Credit Guarantee Fund Trust for Micro and Small Enterprises, yaani sukshma aur laghu udyamon ke liye credit guarantee fund trust. Ise Ministry of MSME aur SIDBI ne milkar banaya hai (CGTMSE).
CGTMSE kya hai: seedhi baat
Jab bank kisi micro ya small business ko bina collateral (girvi sampatti) ke loan deta hai, to uska risk badh jaata hai. CGTMSE us loan ke ek hisse ki guarantee bank ko deta hai. Agar business loan nahi chuka paata, to CGTMSE bank ko guarantee wala hissa deta hai. Isse bank bina girvi ke loan dene mein zyada sahaj hota hai.
Do baatein yaad rakhiye:
- Guarantee bank ke liye hai, aapke liye nahi. CGTMSE claim chukaane ke baad bhi borrower ka karz khatam nahi hota (CGTMSE scheme document).
- Aap CGTMSE ke paas seedha apply nahi karte. Aap registered bank ya NBFC se loan maangte hain; sanction ke baad bank khud guarantee ke liye apply karta hai (CGTMSE).
Kaun eligible hai
| Shart | Niyam | Source |
|---|---|---|
| Borrower | Naya ya chal raha micro ya small business; medium nahi | CGTMSE scheme document |
| Loan | Bina collateral aur bina third-party guarantee | CGTMSE scheme document |
| Trading | Retail aur wholesale trade bhi eligible | CGTMSE scheme document |
| Hybrid | Kuch hissa girvi par, baaki unsecured hissa ₹10,00,00,000 tak cover | CGTMSE scheme document |
| ₹50,00,000 se upar | Bank ki internal rating investment grade honi chahiye | CGTMSE scheme document |
Loan term loan ya working capital, dono ho sakta hai (CGTMSE).
Kitne tak ka loan aur kitna cover
01-Apr-2025 ya uske baad manzoor guarantee par cover ki seema ₹5,00,00,000 se badh kar ₹10,00,00,000 ho gayi (CGTMSE circular 250). Yeh seema bank ke prakar par nirbhar hai:
| Lender ka prakar | Adhiktam cover | Source |
|---|---|---|
| Sarkari, private, foreign bank | ₹10,00,00,000 | CGTMSE scheme document |
| Small finance bank, RRB, co-operative bank | ₹2,00,00,000 | CGTMSE scheme document |
| Microfinance sanstha | ₹50,00,000 | CGTMSE scheme document |
NBFC ke loan alag scheme CGS-II ke tahat cover hote hain (CGTMSE scheme document). Loan ka kitna pratishat guarantee hota hai:
| Borrower | Cover | Source |
|---|---|---|
| Micro business, ₹5,00,000 tak | 85% | CGTMSE scheme document |
| Mahila udyami | 90% | CGTMSE scheme document |
| SC/ST, divyang, aspirational district | 85% | CGTMSE scheme document |
| North East, J&K, Ladakh | 80% | CGTMSE scheme document |
| Baaki sab | 75% | CGTMSE scheme document |
CGTMSE fee kitni hai aur kaun bharta hai
Har saal ek Annual Guarantee Fee (AGF) lagti hai. Pehle saal yeh guarantee wali rakam par, aur baad ke saalon mein bakaya rakam par lagti hai. Fee mein GST shaamil hai (CGTMSE scheme document).
| Loan ki rakam | Saalana fee (standard) | Source |
|---|---|---|
| ₹10,00,000 tak | 0.37% | CGTMSE scheme document |
| ₹10,00,000 se ₹50,00,000 | 0.55% | CGTMSE scheme document |
| ₹50,00,000 se ₹1,00,00,000 | 0.60% | CGTMSE scheme document |
| ₹1,00,00,000 se ₹2,00,00,000 | 0.85% | CGTMSE scheme document |
| ₹2,00,00,000 se ₹5,00,00,000 | 1.00% | CGTMSE scheme document |
| ₹5,00,00,000 se ₹8,00,00,000 | 1.10% | CGTMSE scheme document |
| ₹8,00,00,000 se ₹10,00,00,000 | 1.20% | CGTMSE scheme document |
Fee CGTMSE ko bank deta hai, lekin bank chahe to yeh fee borrower se le sakta hai (CGTMSE scheme document). Mahila, SC/ST aur kuch ilaakon ke liye fee mein chhoot hai, kul milakar 30% tak (CGTMSE scheme document). Bank ke risk ke hisaab se fee thodi badh ya ghat bhi sakti hai (CGTMSE scheme document). Apne sanction letter aur KFS mein fee zaroor dekhiye.
CGTMSE loan kaise milega
- Udyam registration ke saath apna file taiyaar kijiye.
- CGTMSE se registered bank ya NBFC ke paas loan maangiye. 31-Mar-2026 tak 322 lender registered the (CGTMSE).
- Bank aapka loan sanction karta hai, phir guarantee ke liye CGTMSE ke paas jaata hai (CGTMSE).
- Term loan par guarantee loan ki avadhi plus chaar mahine chalti hai (CGTMSE scheme document).
Loan dena ya na dena, aur guarantee ke liye jaana, dono bank ka faisla hai. Apna file pehle se kitna taiyaar hai, yeh free Capnix score se dekhiye. Bina girvi ke loan ke aur raaste MSME loan kya hota hai mein hain.
Frequently asked questions
Credit Guarantee Fund Trust for Micro and Small Enterprises. Ise Ministry of MSME aur SIDBI ne banaya hai (CGTMSE).
Ek trust jo bank ko guarantee deta hai jab bank micro ya small business ko bina collateral loan deta hai (CGTMSE scheme document).
Sarkari, private aur foreign bank ke loan par cover ₹10,00,00,000 tak hai, 01-Apr-2025 se manzoor guarantee par (CGTMSE scheme document, CGTMSE circular 250). Small finance bank, RRB aur co-operative bank ke liye seema kam hai. Asli loan rakam bank tay karta hai.
Fee bank CGTMSE ko deta hai, lekin woh ise borrower se wasool kar sakta hai (CGTMSE scheme document).
Haan, yeh saalana fee hai. Pehle saal guarantee wali rakam par aur baad mein bakaya rakam par (CGTMSE scheme document).
Nahi. Aap registered bank ya NBFC se loan lete hain, aur sanction ke baad bank guarantee ke liye apply karta hai (CGTMSE).
90% tak cover (CGTMSE scheme document) aur guarantee fee mein 10% chhoot (CGTMSE scheme document).
CGTMSE bank ko claim deta hai, lekin aapka karz khatam nahi hota. Bank poori bakaya rakam wasoolne ki koshish karta rahega (CGTMSE scheme document).
Sources
- CGTMSE home page , checked 02-Oct-2026
- CGTMSE scheme document CGS-I, updated 01-Apr-2026 , checked 02-Oct-2026
- CGTMSE Circular 250/2024-25, cap raised to ₹10,00,00,000 , checked 02-Oct-2026
- CGTMSE Circular 241, women entrepreneurs cover , checked 02-Oct-2026