Credit Guarantees

Leverage India’s elite credit guarantee frameworks to unlock bank credit without the burden of hard collateral.

CGTMSE Limit

₹10 Cr

Fund & Non-Fund

CGSS Limit

₹20 Cr

For Startups

SUPI Guarantee

₹1 Cr

SC/ST & Women

CGFMU Cover

PMMY

Portfolio Guarantee

National Portfolios

Collateral-Free
Strategic Credit.

Guarantee schemes reduce lender risk by providing government-backed security, effectively replacing the need for personal assets as collateral.

CGTMSE

Eligibility Segment

Micro & Small Enterprises with viable proposals and MLI lending eligibility.

CGFMU

Eligibility Segment

Eligible PMMY/MUDRA micro-loans extended by participating Banks/NBFCs.

CGSSI

Eligibility Segment

SC/ST & Women founders setting up greenfield projects with 51%+ ownership.

CGSS

Eligibility Segment

DPIIT-recognized startups borrowing from Member Institutions under NCGTC.

Unified Benefit Matrix

Enhanced Sanction Odds

Correct guarantee tagging improves bank approval probability by 45%.

Asset Protection

Scale operations without risking personal residential or commercial properties.

Hybrid Security Models

Mix partial collateral with CGTMSE for ultra-high limit requirements.

Fee Optimization

Leverage reduced Annual Guarantee Fees (AGF) for Champion Sectors.

Audit Checklist

  • KYC, Business Constitution & Registrations (Udyam/DPIIT)
  • Audited Financials & Projected Bank Statements
  • Comprehensive Project Report (CMA Data)
  • Existing Sanction Letters (for enhancements/renewals)
  • Scheme-specific Declarations per Lender format
  • Security details (if opting for hybrid security)
The Advisory Advantage

Precision Tagging for Maximum Approval.

Scheme Mapping

Identifying the optimal guarantee framework for your specific business stage.

Lender Coordination

Connecting with Member Lending Institutions (MLIs) authorized for high limits.

Enrollment Logic

Managing technical enrollment into CGTMSE/NCGTC portals post-sanction.

Compliance Guard

Ensuring adherence to periodic fees and documentation for continued cover.

Unlock Capital without Collateral.

Access institutional limits up to ₹10 Crore. Our partners handle the complex guarantee enrollment and lender negotiation for your enterprise.

Explore All Schemes