Key facts
What the official sources publish
Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.
Customer typeMicro and Small Enterprises (MSEs), including eligible retail/wholesale traders; educational and training institutions are eligible, but SHG loans are excludedEffective 8 Aug 2025View source
Loans sanctioned to Micro and Small Enterprises units, including trading activity, are eligible; credit to educational/training institutions is eligible, while loans sanctioned to are not eligible.
- Source
- — official product page
- Page / section
- Credit Guarantee Scheme-I — Eligible Borrowers/Units
- Accessed
- 4 Sept 2026
- Confidence
- high
Turnover / vintageNo turnover or business-vintage threshold is published; eligibility is based on MSE classification, Udyam registration and an eligible credit facility up to ₹10 croreEffective 8 Aug 2025View source
The page sets eligibility and an exposure ceiling but does not state a turnover or minimum business-vintage threshold.
- Source
- — official product page
- Page / section
- Complete page review — Eligible Borrowers/Units
- Accessed
- 4 Sept 2026
- Confidence
- high
Eligible credit facilityScheduled Commercial Bank credit facilities up to ₹10 crore (₹1,000 lakh) per eligible borrower, including term loan and/
Credit facilities sanctioned by Scheduled Commercial Banks not exceeding ₹1000 lakh for all activities including trading, by way of term loan and/or working capital facilities, are covered.
- Source
- (CGS-I Scheme) — Consolidated Product Features
- Page / section
- pages 1–2 — Credit facilities eligible / Trading alignment
- Accessed
- 4 Sept 2026
- Confidence
- high
Interest rateNot applicable to the guarantee itself; SBI/MLI loan pricing is set under the sanctioned credit facility's applicable rate termsEffective 8 Aug 2025View source
The page publishes guarantee coverage and annual guarantee fees, not an interest rate for the underlying credit facility.
- Source
- — official product page
- Page / section
- Complete page review — Scheme scope and fees
- Accessed
- 4 Sept 2026
- Confidence
- high
Guarantee period / operating time limitsNo single fixed guarantee tenure is published; cover remains subject to annual fee payment and account validity. The PDF specifies an 18-month lock-in (9 months for qualifying loans up to ₹10 lakh with repayment up to 36 months) and claim-lodgement windows of one, two or three years by sanction/
Lock-in is 18 months from last disbursement or guarantee issuance, whichever is later; it is reduced to 9 months for qualifying loans. Claim timing varies by sanction/date and lock-in status.
- Source
- (CGS-I Scheme) — Consolidated Product Features
- Page / section
- pages 13–19 — Lock-in and claim timelines
- Accessed
- 4 Sept 2026
- Confidence
- high
Collateral / securityCollateral-free and without third-party guarantee for the covered unsecured portion; CGTMSE's Hybrid Security model permits collateral for part of a facility while covering the remaining unsecured portion up to ₹10 croreEffective 1 Apr 2025View source
Eligible facilities are without collateral security/third-party guarantees; the Hybrid Security model covers the unsecured portion after collateral is obtained for part of the facility.
- Source
- (CGS-I Scheme) — Consolidated Product Features
- Page / section
- pages 1–2 — Eligible credit / Hybrid Security
- Accessed
- 4 Sept 2026
- Confidence
- high
Guarantee feeAnnual Guarantee Fee (excluding GST) is charged on the guaranteed amount for the first year and outstanding amount thereafter: 0–₹10 lakh 0.37%; above ₹10–₹50 lakh 0.55%; above ₹50 lakh–₹1 crore 0.60%; above ₹1–₹2 crore 0.85%; above ₹2–₹5 crore 1.00%; above ₹5–₹8 crore 1.10%; above ₹8–₹10 crore 1.20%Effective 1 Apr 2025View source
Annual Guarantee Fee structure effective 1 April 2025 is listed by exposure slab; first-year fee is on guaranteed amount and later fees on outstanding amount.
- Source
- (CGS-I Scheme) — Consolidated Product Features
- Page / section
- pages 5–6 — Annual Guarantee Fee Structure
- Accessed
- 4 Sept 2026
- Confidence
- high
Documents and recordsUdyam Registration Certificate/number is mandatory for guarantee cover; ongoing operation and claim require borrower, facility, disbursement, repayment, outstanding, NPA, recovery, legal-action and GST records in the CGTMSE portalEffective 1 Apr 2025View source
Udyam registration is mandatory; the claim checklist requires marking, fee status, recalled notice, lock-in completion, legal action where applicable and updated disbursement/repayment/outstanding/recovery details.
- Source
- (CGS-I Scheme) — Consolidated Product Features
- Page / section
- pages 4, 10, 13–17 — Udyam, portal records and claim checklist
- Accessed
- 4 Sept 2026
- Confidence
- high
Geographic scopeIndia; fee concessions and enhanced coverage apply to specified North-Eastern states, Jammu & Kashmir, Ladakh, aspirational/identified credit-deficient districts, ZED-certified MSEs and listed state-government collaborationsEffective 1 Apr 2025View source
The lists enhanced/concessionary coverage for specified social, geographic and ZED categories and annexes the identified districts, North-Eastern states, aspirational districts and state collaborations.
- Source
- (CGS-I Scheme) — Consolidated Product Features
- Page / section
- pages 1, 6, 25–38 — coverage concessions and annexures
- Accessed
- 4 Sept 2026
- Confidence
- high
Guarantee coverageFor approvals on or after 1 April 2025: Micro Enterprises 85% up to ₹5 lakh and 75% above; North-East/
The extent-of-guarantee table gives coverage by borrower category and exposure band, with an additional 5% for identified credit-deficient districts.
- Source
- (CGS-I Scheme) — Consolidated Product Features
- Page / section
- pages 1–2 — Extent of Guarantee Coverage
- Accessed
- 4 Sept 2026
- Confidence
- high
Credit facilities not eligibleFacilities additionally covered by DICGC/RBI, government or insurer guarantees, NCGTC guarantees, facilities inconsistent with law/directives, borrowers with unresolved invoked guarantees, and facilities sanctioned against collateral/third-party guarantee (except permitted hybrid security) are excluded; SHG loans are not eligibleEffective 8 Aug 2025View source
The page lists six categories of credit facilities not eligible, including other guarantee coverage, legal non-compliance, unresolved invoked guarantees and collateral/third-party-guaranteed facilities.
- Source
- — official product page
- Page / section
- Credit facilities not eligible under the Scheme
- Accessed
- 4 Sept 2026
- Confidence
- high
Benefits and features
- Collateral-free guarantee cover for eligible credit
- Eligible exposure up to ₹10 crore
- Guarantee cover up to 90% for specified women/
Agniveer cases and up to 85% for specified categories - Hybrid-security option for the unsecured portion
- Annual fee slabs published from 1 April 2025
Eligibility
- Eligible Micro and Small Enterprises, including retail and wholesale trading, must have a Udyam Registration Certificate for guarantee cover.
- Eligible credit can be fund-based or non-fund-based term-loan/working-capital facilities; educational/training institutions are eligible, while loans are excluded.
- Facilities additionally covered by /, government/insurer guarantees, guarantees or collateral/third-party guarantee are excluded except for the permitted hybrid-security model.
Passing a listed condition does not mean the bank will approve an application.
Documents the bank lists
- Udyam Registration Certificate/number is mandatory for guarantee coverage; the detailed scheme also requires facility, borrower, disbursement, outstanding, and recovery records for ongoing portal compliance and claims.
Related official documents
CGTMSE (CGS-I Scheme) — Consolidated Product Featuresofficial-pdf · current · accessed 4 Sept 2026
↗CGTMSE Guarantee Fee Structure (w.e.f. 01.04.2025)official-pdf · current · accessed 4 Sept 2026
↗CGTMSE — official SBI product pageofficial-product-page · current · accessed 4 Sept 2026
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