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Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE)

Collateral Free Lending upto INR 2 Crs.

Business Banking

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Programme for extending collateral free loan up to INR 2 Cr to micro and small manufacturing and service units.

  • Eligible Units:- Micro, Small Enterprises and Retail Trade

  • Loan Amount :- Credit line upto INR 2 Cr 

  • Facilities covered-  Working Capital facilities / Term Loan

  • Security :-

    • Only primary security in name of unit, if unencumbered.

    • No requirement of collateral security

    • Guarantee cover from CGTMSE depending on  category type and ticket size

  • Competitive pricing linked to EBLR

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Documents Required

  • Completely Filled MSME Application Form

  • Last 3 year Financial Statement including latest 2 years Audited Statements along with all schedules

  • Financial Projection for 2 years

  • Income Tax Returns along with computation of Income at least for last 2 years of the Applicant/Co-Applicant/Guarantor

  • GST Returns for Current Financial Year.

  • Statement of Accounts for Last 6 months-for all CC/OD/Current Account.

  • Repayment Track Statement from Starting to Till Date OR First and Latest Sanction Letter with last 6 months Repayment Track Statement

  • Proof of Vintage e.g. Shop establishment , Pollution license, etc

  • KYC documents of Applicant/Co-Applicant/Promoters/Guarantor

  • Property Documents offered as Security

  • Self-Certified/CA certified Net worth statement of the Applicant/Co-Applicant/Promoters/Guarantor

  • Sanction letter of the all Major existing working capital facilities availed by the firm

  • Key group company's latest Audited Financials, along with details of Bank borrowings if any

  • Order in Hand and Important Agreement if any

* All Documents must be self-attested
** These are only indicative and not exhaustive list of Documents.

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