CGTMSE kya karta hai
CGTMSE Bharat sarkar aur SIDBI ne banaaya hai. Yeh khud loan nahi deta. Jab koi bank, NBFC ya small finance bank kisi micro ya small enterprise ko bina collateral aur bina guarantor loan deta hai, to CGTMSE uske bade hisse ki guarantee deta hai. Business loan na chuka paaye to trust lender ko uska hissa deta hai, isliye lenders sirf cash flow dekhkar loan dene ko zyada taiyaar rehte hain.
Kitna cover
Union Budget 2025-26 mein guarantee cover 1 April 2025 se har borrower ke liye ₹5 crore se badhaakar ₹10 crore kiya gaya. Term loan aur working capital dono cover hote hain.
Kaun cover hai
- Manufacturing aur services ke naye aur chal rahe micro aur small enterprises, retail trade samet
- Proprietorship, partnership, LLP aur companies
- Cover nahi: kheti, self-help groups aur educational institutions
CGTMSE wala loan kaise lein
Aap khud CGTMSE ko apply nahi karte. Apne lender se CGTMSE ke tahat loan maangiye. Lender aapka business check karke loan tay karta hai aur guarantee ke liye apply karta hai.
- Udyam registration taiyaar rakhein: lender isse confirm karte hain ki aap micro ya small enterprise hain.
- Lender trust ko saalana guarantee fee deta hai aur ise aapse bhi le sakta hai. Iske baare mein poochhein aur Key Fact Statement (KFS) dekhein.
CGTMSE aur Oxon
Hamare lending partners ke kai bina collateral business loans micro aur small enterprises ko diye jaate hain; koi khaas loan CGTMSE mein cover hoga ya nahi, yeh lender tay karta hai. Apni business loan eligibility dekhein ya unsecured business loan ke baare mein padhein.
Oxon Fintech koi sarkari agency nahi hai aur is yojana ki applications nahi leta. Official portal ya bank branch par hi apply karein, aur yojana ka loan pass karaane ke naam par paise maangne walon se savdhaan rahein. Yojana ke rules badalte rehte hain; apply karne se pehle official site dekhein.