CGTMSE & MUDRA Loans
Get collateral-free business loans up to ₹50 lakh with 80% government guarantee. Fast approval, minimal documentation, expert guidance.
Key Features
Everything you need to know about CGTMSE & MUDRA loans
Up to ₹50 Lakh Loan
Collateral-free loans from ₹10 lakh to ₹50 lakh for your business growth
80% Government Guarantee
Credit Guarantee Fund covers 80% of loan, making approval easier
45 Days Approval
Fast processing with expert guidance throughout the application
Minimal Documentation
Simple paperwork process with our end-to-end support
Why Choose CGTMSE/MUDRA?
These government-backed schemes are designed to make business funding accessible to small and micro enterprises without the burden of collateral.
Loan Categories
MUDRA - Shishu
Up to ₹50,000
For micro-enterprises and startups
MUDRA - Kishore
₹50,000 to ₹5 Lakh
For established small businesses
MUDRA - Tarun
₹5 Lakh to ₹10 Lakh
For expanding businesses
CGTMSE
₹10 Lakh to ₹50 Lakh
For MSMEs with growth potential
Our Process
Simple 4-step process to get your loan approved
Free Consultation
Discuss your business needs and eligibility with our experts
Document Preparation
We help gather and prepare all necessary documentation
Application Submission
Submit application to banks with CGTMSE coverage
Follow-up & Approval
We coordinate with bank until loan disbursement
Frequently Asked Questions
Everything you need to know about CGTMSE & MUDRA loans
What is CGTMSE?
Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) is a government scheme that provides guarantee coverage to banks, making it easier for MSMEs to get loans without collateral.
What is MUDRA Loan?
MUDRA (Micro Units Development & Refinance Agency) provides loans up to ₹10 lakh for micro-enterprises. It has three categories: Shishu (up to ₹50,000), Kishore (₹50,000 to ₹5 lakh), and Tarun (₹5 lakh to ₹10 lakh).
Who is eligible for CGTMSE loans?
Micro and Small Enterprises (as per MSME Act) in manufacturing, trading, and service sectors can apply. Both new and existing businesses with viable projects are eligible.
How long does the approval process take?
With proper documentation and our expert support, CGTMSE loans typically get approved within 45-60 days from application submission.
What is the interest rate?
Interest rates vary by bank and business profile, typically ranging from 8-12% per annum. We help you get the best rates by presenting your case effectively.
Do I need to be MSME registered?
While MSME registration (Udyam) is preferred and can improve your chances, it's not mandatory for CGTMSE loans. We can help you get registered if needed.
Ready to Get Your Business Loan?
Start your application today or speak with our funding experts