To help MSME’s in raising collateral-free loan from banks, the Government of India established a trust called, Credit Guarantee Funds Trust for Micro and Small Enterprises (CGTMSE) with the Ministry of Medium, Small and Micro Enterprises (MSME) and Small Industries Development Bank of India (SIDBI).
This scheme is to encourage first-time entrepreneurs to establish SME and MSME that do not have collateral security for availing loan from the eligible financial institutions for business. Under this scheme government provides credit guarantee to financial institutions for loans to MSMEs.
Under CGTMSE scheme, both new and existing micro and small enterprises including service enterprises are eligible for a loan amount in between 10 Lakhs – 2 Crore. Maximum loan eligibility depends on the borrower’s profile & business requirements.
At kredpartner.com, we facilitate a seamless application process for loans under CGTMSE Scheme.
.This scheme is available only for existing or new micro and small enterprises classifying under the Government of India enacted the Micro, Small and Medium Enterprises Development (MSMED) Act, 2006.
.This scheme is for manufacturing or service sector.
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It is up to bank assessment for approval or rejection of proposal based on the project viability & business model validation.
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No Collateral
Required
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Additional guarantee fees & service charges are levied under this scheme that may vary between 1.5% - 3% (except north eastern states)
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After the loan is sanctioned, the bank applies to CGTMSE authority & obtains guarantee cover.
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Micro Units Development and Refinance Agency Limited (MUDRA) is a Loan scheme under Pradhan Mantri Mudra Yojana (PMMY) is an initiative by Government of India that offers loans up to Rs.10 lakhs to eligible individuals, SMEs and MSMEs, through the Commercial Banks, RRBS, Cooperative Banks, NBFC and MFI etc.
.This scheme is for individuals, SMEs, MSMEs, enterprises or businesses engaged in Manufacturing, Trading and Services Sectors.
.All non-corporate non-farm enterprises.
.Loan requirement between Rs.50,000 to Rs.10.00 Lakhs.
. This product is for small start-ups or fresh business proposals
. Loans up to Rs.50,000
.This product is for entrepreneurs looking for expansion of existing business or buying new machinery or requiring additional working
.Loans from Rs.50,001 to Rs.5,00,000
.This product is for established businesses looking for term loans or working capital limits.
.Loans from Rs.500,001 to Rs.10,00,000
Loan amount up to
Rs.10 Lakhs
No Collateral security
is requi
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Repayment Tenure is
up to 5 years
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Loan can be raised as term
loans and overdraft facilities
Stand-Up India (SUI) scheme is an initiative by the Government of India to avail credit facility to Women Entrepreneurs & SC/ST. The objective of this scheme is to facilitate bank loans between Rs.10 lakh and Rs.1 Crore to Scheduled Caste (SC) or Scheduled Tribe (ST) borrower and woman borrower for setting up a new enterprise. The new enterprise may be in any of the sectors i.e. manufacturing, services, or trading business. In the case of non-individual enterprises, at least 51% of the shareholding and controlling stake should be held by either an SC/ST or a woman entrepreneur.
At kredpartner.com, we facilitate a seamless application process for loan under Standup India Scheme
.Only for 18 years above age, Women entrepreneurs and SC/ST.
.In case of non – proprietorship firm, 51% or majority stake of the shareholding must be held by either SC/ST and/or Women Entrepreneur.
.No credit default history of the borrower.
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Loan amount must be in between from Rs.10
lakhs to Rs.1 crore
It is at the discretion of the bank to provide a loan with collateral security or guarantee of Credit Guarantee Fund Scheme
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Enterprise must be new i.e. only for Greenfield projects in manufacturing, trading, or service sector
Repayment tenure is
up to 7 years
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