🚨 Business Loan के लिए बड़ी खुशखबरी, MSME Loan पर बड़ी राहत! | CGTMSE Scheme 2026

Business-Specific Summary (CGTMSE / MSME Loan Guarantee Scheme)

Who can get the scheme (eligibility)

• Micro enterprises: CGTMSE-covered loan up to ₹5 crore
• Small enterprises: limit increased from ₹5 crore to ₹1 crore
• Covered activities: manufacturing, trading, services
• Not included:
  • Self-Help Groups (SHG)
  • Direct agriculture farming activities

Guarantee coverage (% of loan)

• General category entrepreneurs: 70% of the loan amount covered
• SC/ST entrepreneurs: 85% covered
• Women entrepreneurs: 90% covered
• Key constraint: the bank cannot take third-party collateral/property as guarantee under this scheme.

Cost to borrower: fees and how they’re calculated

The total CGTMSE fee consists of two components:

• Annual guarantee fee: set by the government
• Risk premium: set by the bank

These are combined into the total CGTMSE fee charged to the borrower.

Fee tiers / ranges (annual guarantee fee component mentioned)

• Loan up to ₹1 lakh: 0.37% + GST
• Loan between ₹1 lakh and ₹5 lakh: 0.55% + GST
  • Note: the subtitle shows “1 lakh and 1 lakh,” likely an auto-caption error.
• Loan between ₹50 lakh and ₹1 crore: 0.60% + GST
• Loan between ₹1 crore and ₹10 crore: ~0.75% to 1.35% (range)

Bank risk premium is additional on top of the above. The borrower’s effective total fee is typically the sum of: - government annual guarantee fee component + - bank risk premium component - (+ GST where applicable)

Actionable recommendation (planning)

To plan loan economics, factor both fee components into:

• EMI / repayment affordability
• Overall cost of capital for the business

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Key Metrics / KPIs & Targets Mentioned

• Coverage % target (by borrower category):
  • 70% (general)
  • 85% (SC/ST)
  • 90% (women)
• Loan coverage caps:
  • Micro: up to ₹5 crore
  • Small: up to ₹1 crore
• Fee rate bands (annual guarantee fee + GST):
  • 0.37%
  • 0.55%
  • 0.60%
  • 0.75% – 1.35% (depending on loan size)

(No revenue/churn/CAC/LTV metrics discussed; the focus is scheme cost and eligibility.)

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Concrete Example-Style Scenarios

• If an entrepreneur takes a loan of ₹100:
  • General category: ₹70 guarantee coverage
  • SC/ST: ₹85
  • Women: ₹90

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Presenters / Sources

• Presenter(s): The video is from the channel MSMA Care. The host is addressed as “sir,” but no specific individual name is provided in the subtitles.