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ગૈર-સરકારી સાઇટ | ભારત સરકાર સાથે સંકળાયેલ નથી

Bharat Sarkari Yojanaયોજના • વिકાસ • प्રવાસ

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ખેતી કારકિર્દીબધું જુઓ →

Agriculture Scientist

Research on crops, farming techniques. Work with ICAR, universities, private sector.

₹4-12 LPAModerate

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All Destinations

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સાહસબધું જુઓ →

Leh Ladakh - Land of High Passes

Leh Ladakh - Land of High Passes

7-8 Days₹25,000 - ₹50,000

Rishikesh - Yoga Capital

Rishikesh - Yoga Capital

3-4 Days₹5,000 - ₹10,000

Ladakh - Land of High Passes

Ladakh - Land of High Passes

7-8 Days₹20,000 - ₹35,000

Spiti Valley - Cold Desert

Spiti Valley - Cold Desert

7-8 Days₹15,000 - ₹25,000

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Central Govt • Business

CGTMSE Scheme [Collateral Free Business Loan]

Active Scheme

Last updated: 2026-01-18. Always verify on the official portal before applying.

A government scheme that helps small businesses get loans without giving any property as security. If you cannot repay the loan, the CGTMSE trust pays up to 85% of the loss to the bank. This encourages banks to lend to new entrepreneurs.

💰 Benefits

High Loan Limit: Guarantee cover for loans up to ₹5 Crore.
High Coverage: Trust covers 75% to 85% of the loan amount if you default.
No Collateral: You don't need to mortgage assets for the covered amount.
Hybrid Security: You can give security for a part of the loan and get coverage for the rest.

✅ Who Can Apply?

New and Existing Micro & Small Enterprises (MSEs).
Retail Traders.
Service Enterprises.
Borrowers who cannot provide collateral security.

📝 How to Apply?

1Step 1: Prepare a solid business plan.
2Step 2: Approach any Bank or NBFC that is a 'Member Lending Institution'.
3Step 3: Apply for a loan under the CGTMSE scheme.
4Step 4: The bank assesses your project and pays the guarantee fee to CGTMSE.
5Step 5: Loan is sanctioned without collateral.

Official Website

Visit the government portal to apply or check status.

Go to Official Portal

Questions About CGTMSE Scheme [Collateral Free Business Loan]

ઝડપી માહિતી

Target Group

Micro Enterprises, Small Enterprises, New Entrepreneurs

Processing Time

Bank dependent

Renewal

હા, જરૂરી

Helpline

જરૂરી દસ્તાવેજો

•Udyam Registration Certificate
•Project Report
•PAN Card
•IT Returns (for existing businesses)