Generate a bank-ready project report for CGTMSE-covered loans. No collateral, no third-party guarantee. Up to ₹5 crore for micro and small enterprises.
No credit card • 1 free report • Ready in 60 seconds
CGTMSE (Credit Guarantee Fund Trust for Micro and Small Enterprises) enables micro and small enterprises to access collateral-free credit from scheduled commercial banks and specified financial institutions. Under the scheme, the credit guarantee cover is provided by CGTMSE to the lending institution, eliminating the need for borrowers to pledge assets. Loans up to ₹5 crore are covered. A strong project report is critical for CGTMSE loans as the bank relies entirely on the business's creditworthiness since no collateral is pledged.
Every report is formatted to the exact standards required by Indian banks and government departments.
Create your account in 30 seconds — no credit card needed.
Enter applicant details, select the scheme, set your loan amount.
Our AI drafts the full report with financials, projections, and CMA data in under 60 seconds.
Export as Word, PDF, or Excel. Submit directly to bank or DIC office.
Strong financial projections crucial for CGTMSE — no collateral means bank relies on report quality
CMA data in IBA format — mandatory for loans above ₹5 lakh under CGTMSE
Working Capital assessment via Tandon Method II as per bank norms
DSCR ≥ 1.5 recommended for CGTMSE loans to meet bank's risk threshold
Covers both term loan and working capital in same report
Udyam Registration number integration in report header
Accepted by all CGTMSE member lending institutions including SBI, PNB, HDFC, ICICI
CGTMSE provides a credit guarantee to banks against loans given to micro and small enterprises without collateral. When a bank sanctions a CGTMSE-covered loan, they pay a guarantee fee to CGTMSE. If the borrower defaults, CGTMSE covers 75–85% of the outstanding amount. This encourages banks to lend without insisting on collateral.
Yes, a comprehensive project report is especially important for CGTMSE loans because the bank cannot rely on collateral as security — the decision is based entirely on the business viability shown in the project report. A well-prepared report with strong financial projections, positive DSCR, and realistic assumptions significantly improves approval chances.
The Annual Guarantee Fee (AGF) for CGTMSE is typically 0.37% to 2.00% per annum on the outstanding loan amount, depending on the loan category, borrower type, and whether the enterprise is in a stressed region. Women entrepreneurs and NE/hill state enterprises often get reduced fee rates.
CGTMSE provides guarantee cover for loans up to ₹5 crore. However, the guarantee coverage percentage varies: 85% for loans up to ₹5 lakh, 75% for loans up to ₹50 lakh, and for loans above ₹50 lakh up to ₹5 crore, the guarantee is 75% with an enhanced annual guarantee fee.