Credit Guarantee Scheme enabling MSMEs to borrow up to ₹500 Lakhs without pledging property, land, or gold as collateral.
At Bhura Consultancy, we provide end-to-end professional assistance for CGTMSE. With over a decade of domain expertise and 2,500+ satisfied industrial clients across India, our team guides you through every step of financial appraisal, documentation, government liaising, and bank sanction.
Key Benefits & Features
- 100% collateral-free credit for projects up to ₹500 Lakhs (₹5 Crores)
- Trust guarantees repayment up to 85% of defaulted amount to the lending bank
- Allows first-generation entrepreneurs without ancestral property to launch major industries
- Reduced guarantee fee structure for women entrepreneurs and northeastern regions
Eligibility Criteria
To qualify for CGTMSE under prevailing banking and government norms, applicants typically must meet the following baseline requirements:
- New as well as existing Micro and Small Enterprises (MSEs)
- Manufacturing and Service activities (including IT, healthcare, education)
- Retail trade with credit facility up to ₹200 Lakhs
- Viable business proposal demonstrating debt repayment capability
Required Documentation Checklist
Preparing institutional-grade documentation is essential for rapid approval. Our advisory team helps compile and verify:
- Bank loan application accompanied by Bank-grade DPR
- Audited financial statements and IT returns for existing units
- Udyam Registration Certificate and GST Registration
- KYC documents of promoters and partners
- Sanction letter with bank’s request for CGTMSE coverage
How Bhura Consultancy Supports You
Initial Diagnostic & Eligibility Assessment
We review your business profile, financial history, and goals to determine the optimal scheme and maximum financial advantage.
Documentation & CMA/DPR Preparation
Our in-house financial analysts craft comprehensive project reports, financial projections, and compliance dossiers aligned with lender and government guidelines.
Application Filing & Departmental Liaising
We submit applications on statutory portals and coordinate directly with banking committees, DIC, MSME-DI, and state nodal agencies.
Sanction, Disbursement & Subsidy Release
We ensure seamless credit disbursement and actively follow through until your subsidies and financial benefits are credited to your account.
Accelerate Your Business Growth with Bhura Consultancy
Talk directly with our senior financial advisors to explore your eligibility, interest rates, and government incentives for CGTMSE.