Subsidy Mantra
86, Gopalpura Bypass Rd, Jaipur subsidymantra@gmail.com

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  • 86, Gopalpura Bypass Rd, Jaipur
  • subsidymantra@gmail.com
  • 91 894 905 9447 , 91 807 864820451

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CGTMSE / Micro / small / medium/ large definition

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  • CGTMSE / Micro / small / medium/ large definition

Are you a business owner looking for financial support without collateral? The Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) is a powerful scheme launched by the Government of India to provide collateral-free loans to Micro and Small Enterprises (MSEs). At Subsidy Mantra, we help you understand and benefit from this scheme while ensuring your business is classified correctly as Micro, Small, Medium, or Large — as per government norms.

What is CGTMSE?

CGTMSE stands for Credit Guarantee Fund Trust for Micro and Small Enterprises. It was established by the Ministry of MSME and SIDBI to support MSEs in accessing credit from banks and financial institutions without the need for collateral or third-party guarantees.

Key Features of CGTMSE:
 
  1. ✅Loan limit: Up to ₹5 crores.
  2. ✅Collateral-free: No need to mortgage property or assets.
  3. ✅Guarantee coverage: Up to 85% of the loan amount.
  4. ✅Applicable to: New and existing Micro & Small businesses.
The objective of this scheme is to promote entrepreneurship and simplify credit access for small businesses, especially startups and rural enterprises.
Who Can Apply for CGTMSE?
  1. ✅ Micro and Small Enterprises engaged in manufacturing or services
  2. ✅Startups or first-time entrepreneurs
  3. ✅Businesses seeking term loans or working capital
  4. ✅Proprietorships, partnerships, LLPs, private limited companies, and co-operative societies
Note: The business must fall under the Micro or Small category as defined by the MSME Classification.
Enterprise Classification: Micro, Small, Medium, and Large
 
The MSME classification, revised in July 2020 by the Government of India, defines enterprises based on investment in plant & machinery or equipment and annual turnover.
   
Enterprise Type Investment (INR) Annual Turnover (INR)
Micro Up to ₹1 crore Up to ₹5 crore
Small Up to ₹10 crore Up to ₹50 crore
Medium Up to ₹50 crore Up to ₹250 crore
Large Above ₹50 crore Above ₹250 crore
     

This classification helps determine your business’s eligibility for CGTMSE, subsidies, incentives, and government schemes.

  How Subsidy Mantra Helps You  

At Subsidy Mantra, we offer complete support to help you:

  1. Classify your enterprise under the right MSME category
  2. Prepare and submit CGTMSE loan applications
  3. Coordinate with banks and financial institutions
  4. Prepare the required project reports and documentation
  5. Get maximum benefits under government subsidy schemes
 
Why Choose Subsidy Mantra?
 
  1. ✅ Expert consultants in MSME and subsidy schemes
  2. ✅ 100+ successfully processed subsidy applications
  3. ✅ Fast and transparent process
  4. ✅ Customized business support
  5. ✅ Affordable consultancy for startups and small businesses
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