CGTMSE SME Loan Calculator
Calculate monthly EMI, guarantee fees, and repayment costs for CGTMSE collateral-free business loans in India.
About CGTMSE Collateral-Free MSME Loans
The Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) provides collateral-free loan coverage up to ₹5 Crore for Indian small and medium businesses.
Fee & Structure
Banks charge regular loan interest plus an annual credit guarantee fee (typically 0.37% to 1.5% depending on loan size and gender/category criteria).
Frequently Asked Questions
Is primary collateral required for CGTMSE loans?
No third-party collateral is required. Assets purchased with loan funds (such as machinery or inventory) serve as primary security.
Who pays the CGTMSE guarantee fee?
The borrower pays the annual credit guarantee fee to the lending bank, which remits it to the trust.
What is the maximum loan limit under CGTMSE?
The ceiling limit is ₹500 Lakh (₹5 Crore) per eligible MSE borrower.
Can trading enterprises apply for CGTMSE?
Yes. Retail and wholesale trading businesses qualify for CGTMSE coverage alongside manufacturing and services.
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- 1Enter your valuesUse the fields above and check the units shown beside each input.
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