The CGTSME (Credit Guarantee Fund Trust for Micro and Small Enterprises) loan is a government-backed loan scheme in India designed to provide financial assistance to micro, small, and medium enterprises (MSMEs). It is aimed at improving access to credit for MSMEs that may not have adequate collateral for traditional bank loans.

• Loan amounts up to 5 Crores
• Tenure up to 10 years
• Yearly fee 0.37% to 2% on the reducing balance
• Loans are provided for manufacturers, traders, and the services sector.