Question
Under which scheme can Micro and Small Enterprises
(MSEs) avail collateral-free credit with government-backed guarantees for loans up to ₹5 crore?Solution
The Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) is a flagship scheme designed to promote credit flow to viable MSEs by offering collateral-free loans up to ₹5 crore. • Eligibility: Both new and existing MSEs engaged in manufacturing, services, or trading are eligible, provided their projects are deemed viable by a recognized Member Lending Institution (MLI). • Guarantee Coverage: The scheme provides a guarantee to lending institutions, thereby reducing the risk perception and encouraging banks (public, private, foreign, and financial institutions) to lend without demanding collateral. • Fees: o For loans up to ₹5 lakh → one-time fee 1% and annual service fee 0.5%. o For loans above ₹5 lakh → one-time fee 1.5% and annual service fee 0.75%. Thus, the scheme that provides collateral-free loans up to ₹5 crore for MSMEs is CGTMSE.
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