CGTMSE Fee Calculator | Accurate Guarantee Fee Calculation

CGTMSE Fee Calculator

Calculate your Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) guarantee fee with our easy-to-use calculator.

📊 Loan Details

Loan Amount (in ₹ lakhs)

Note: CGTMSE scheme covers loans up to ₹200 lakhs (₹2 crores)

Fee Type

Standard Rates With Risk Premium

Discount Eligibility

Select categories that apply for a 10% discount:

Women Entrepreneurs SC/ST Entrepreneurs Micro Enterprises ZED Certified Units North East Region Aspirational Districts Designated Places

ℹ️ CGTMSE Fee Structure

Standard Rates (per annum)

Loan Amount	Fee Rate
Up to ₹10 lakh	0.37%
₹10 lakh to ₹50 lakh	0.55%
₹50 lakh to ₹1 crore	0.60%
₹1 crore to ₹2 crore	0.85%

Fee Rate with Risk Premium

Loan Amount	Fee Rate
Up to ₹10 lakh	0.56%
₹10 lakh to ₹50 lakh	0.83%
₹50 lakh to ₹1 crore	0.90%
₹1 crore to ₹2 crore	1.28%

Discount Eligibility

10% discount available for:

Women entrepreneurs
SC/ST entrepreneurs
Micro Enterprises
ZED certified units
Units in North East Region & Aspirational Districts
Units in designated places

Note: Discounts are applicable only if the borrower falls under any of the eligible categories.

About CGTMSE Scheme

The Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) was established by the Government of India and Small Industries Development Bank of India (SIDBI) to provide credit guarantee support for collateral-free credit facilities extended by eligible lending institutions to Micro and Small Enterprises (MSEs).

Key Benefits:

Collateral-free loans up to ₹200 lakh
Coverage for both new and existing units
Simple guarantee fee structure
Special discounts for eligible categories
Wide coverage across all sectors

Disclaimer: This calculator provides an estimate of CGTMSE guarantee fees. Actual fees may vary based on specific loan terms and eligibility criteria. For precise calculations, please consult with your lending institution.