Cognizant Capital

Funds up to

₹10 Cr

Collateral-free loan amount

Interest rate*

9–11.5%

Indicative, subject to lender’s terms & conditions

CGTMSE cover

Up to 85%

Government guarantee on the loan amount

All loan services

CGTMSE Loan — Collateral Free Business Loan

CGTMSE (Credit Guarantee Fund Trust for Micro and Small Enterprises) is a Government of India initiative that provides guarantee cover to lenders for collateral-free loans to Micro & Small Enterprises. Through our lender network, we help eligible MSEs access funds up to ₹10 Crore — without pledging collateral — with indicative interest rates starting from 9%* and guarantee cover up to 85% of the loan amount. Empowering MSEs. Strengthening India.

Solutions we facilitate

Collateral-free funding up to ₹10 Crore
Indicative interest rates 9% to 11.5% p.a.* (subject to lender's terms & conditions)
CGTMSE guarantee cover up to 85% of the loan amount
Business expansion — increase capacity and scale new heights
Working capital — meet day-to-day operational expenses and improve cash flow
Machinery & equipment — purchase, technology upgrade and productivity improvement
Open to Manufacturing, Service and Trading enterprises (Proprietorship / Partnership / Pvt Ltd / LLP)
Udyam Registration required — we guide you through it
Quick, simple & hassle-free process: apply → documents → lender evaluation → sanction & disbursement

Typical documents

Requirements vary by applicant profile, product and lender. Our team will confirm the applicable checklist.

Udyam Registration
PAN Card & Aadhaar Card
Bank statements (last 6–12 months)
ITR / Financial statements (last 2–3 years)
Business proof & address proof
Other documents as per lender requirement
Approval, rate, amount, tenure, fees and disbursement remain subject to the respective lender’s policies and assessment.

Let’s discuss your requirement

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