Govt Schemes

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Collateral Free Credit – Credit Guarantee Trust for MSE (DC-MSME)

Banks and financial institutions are provided credit guarantee by CGTMSE(Trust) under this scheme so that they can in turn lend collateral free credit to MSEs.

Who can apply

Banks and financial institutions can apply to CGTMSE for credit facilities to MSEs.


To make available credit to Micro and Small Enterprises for loans up to Rs. 200 lakh without collateral/ third party guarantees 

CGTMSE has been set up to strengthen credit delivery system and facilitate flow of credit to the MSE sector. The credit Guarantee under CGTMSE seeks to reassure the lender that, in the event of a MSE unit, which availed collateral free credit facilities, fails to discharge its liabilities to the lender; the CGTMSE would make good the loss incurred by the lender. 


Establishment of Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) to implement the credit Guarantee Scheme for Micro and Small Enterprise launched in August, 2000. The corpus of the Trust has been recently enhanced from Rs.2500 crore to Rs.7500 crore. The entire enhancement in the corpus would be funded by Government of India.

Nature of assistance

Credit Guarantee to banks and financial institutions for lending collateral-free credit to MSEs.

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