What is CGTMSE?
CGTMSE (Credit Guarantee Fund Trust for Micro and Small Enterprises) is a Government of India scheme that allows banks to extend collateral-free loans to MSMEs. The Trust provides credit guarantee cover to banks, reducing their risk — which means you don't have to mortgage your property.
Indi Fin Serv is an experienced CGTMSE consultant in Pune and Mumbai. Our ex-banker team understands exactly how to structure and present CGTMSE loan proposals to get them approved quickly.
Loan Types Under CGTMSE
- Term Loan for business expansion or asset purchase
- Working Capital (OD / Cash Credit)
- Composite Loan (Term + Working Capital)
- Enhanced Credit Limit on existing sanctioned facilities
- Start-up loans for new businesses (eligible after 1 year)
⏱ Maximum Turnaround Time
14 – 21 Working DaysFrom complete documents to first disbursementDocuments Required
The following documents are typically required. Our team will prepare a personalised checklist for your specific case.
KYC — Aadhaar + PAN of Proprietor / All Directors
Udyam Registration Certificate (mandatory for CGTMSE)
Last 3 Years ITR with Computation & P&L / Balance Sheet
Last 12 Months Bank Statements (all business accounts)
GST Registration Certificate + Last 12 Months Returns
Business Proof (Shop Act, MOA/AOA, Partnership Deed)
Business Plan / Project Report (for new/expansion loans)
Rent Agreement / Property proof of business premises
Existing loan sanction letters (if any)
CA-certified financials (if audited)
Eligibility Criteria
- Micro and Small Enterprises as per MSME Act classification
- Businesses in manufacturing, trading, or services sector
- Business vintage of 1+ year preferred (0 years possible for start-ups)
- Udyam registration is mandatory
- Credit history must not have existing NPA/write-off
- Loan must be for business purpose only
Why Choose Indi Fin Serv?
- We have processed 500+ CGTMSE loans in Pune and Mumbai
- We prepare the DPR (Detailed Project Report) that banks require
- Our ex-banker team knows which banks prioritise CGTMSE proposals
- No upfront fee — paid only on successful disbursement
- We handle all CGTMSE portal registration and guarantee fee paperwork
- Track your application status through our customer portal