Regular Loans or Elite Solutions?
We Do Both.
CGTSME
• Secured Limits
• High-Value OD/CC
• Priority Processing
Mention "Elite" for Dedicated Manager

CGTSME Limits

What is CGTSME?

Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTSME) – A government-backed scheme that provides guarantee coverage to banks/NBFCs, enabling them to sanction collateral-free loans to eligible micro and small enterprises.

CGTSME Loan Limits & Features

ParticularsDetailsMaximum Loan LimitUp to ₹2 Crore per eligible borrowerGuarantee CoverageUp to 85% of the sanctioned amountNature of FacilityTerm Loan, Working Capital (OD/CC), or bothCollateral RequirementNot required (covered under guarantee)Repayment TenureUp to 5–7 years (depends on lender)Moratorium PeriodUp to 12 months (for term loans)

Eligible Borrowers Under CGTSME

• Micro & Small Enterprises (Manufacturing & Service sector)

• Proprietorship, Partnership, Private Limited Company, LLP

• Self-employed professionals (Doctor, CA, Engineer, Architect)

• Startup businesses with viable projects

• Existing businesses seeking expansion capital

Why Choose CGTSME Loan Through Us?

• No collateral / third-party guarantee required

• Higher loan limits up to ₹2 Crore

• Suitable for businesses with limited asset base

• Simplified documentation & faster processing

• Access to multiple CGTSME-empanelled lenders

Special Message for Elite Clients

"We understand that high-net-worth individuals and established business houses require more than just standard loan solutions. You deserve discretion, speed, and tailor-made financial structuring."

What We Offer Our Elite Clientele:

• Dedicated Relationship Manager – Single point of contact for all your loan needs

• Priority Processing – Sanction within 48–72 hours (subject to document readiness)

• Customized Loan Structuring – Flexible repayment, hybrid security options, and bespoke terms

• Access to Exclusive Lenders – Private banks, family offices, and institutional lenders not available to the general public

• Higher Limits – For elite clients, we can structure CGTSME coverage across multiple entities (subject to group eligibility)

• Confidentiality Assured – Complete discretion guaranteed

For elite clients, please reach out directly: Mention "Elite Client – CGTSME" when contacting us for priority service.

Secured Limits (OD/CC Facilities)

What are Secured Bank Limits?

Overdraft (OD) & Cash Credit (CC) – Secured revolving credit facilities for businesses, where you can withdraw, repay, and re-withdraw funds up to your sanctioned limit. Interest is charged only on the amount used.

Secured Limits – Key Details

ParameterDetailsFacility TypeOverdraft (OD) or Cash Credit (CC)Loan Amount₹10 Lakh to ₹5 Crore+ (based on turnover & collateral)NatureRevolving – use as needed, repay anytimeInterest RateLower than unsecured loans (typically 9% – 14% p.a.)TenureUsually 12 months, renewable annuallyRepaymentMonthly interest; principal can be repaid flexibly

Security / Collateral Accepted

• Immovable Property – Residential / Commercial / Industrial

• Land – Non-agricultural / agricultural (as per lender)

• Plant & Machinery – Industrial equipment

• Fixed Deposits – Bank FD lien mark

• LAP (Loan Against Property) – Already mortgaged property can be considered

Eligibility – Turnover Based

Business Turnover (Annual)Approximate Secured Limit₹50 Lakh – ₹1 Crore₹10 Lakh – ₹25 Lakh₹1 Crore – ₹5 Crore₹25 Lakh – ₹1 Crore₹5 Crore – ₹25 Crore₹1 Crore – ₹3 Crore₹25 Crore+₹3 Crore – ₹5 Crore+

Limits are sanctioned based on turnover, collateral value, and lender's policy.

Benefits of Secured Limits (OD/CC)

• Lower interest rates compared to unsecured loans

• Flexible withdrawals – pay interest only on used amount

• Better cash flow management for working capital needs

• Improves business credit profile with timely repayment

• Quick renewal after annual review

Documents Required

• KYC (Aadhaar, PAN, Voter ID, Passport)

• Last 2–3 years ITR with computation

• Last 12 months bank statement

• Proof of business existence (GST, Udyam, Trade License)

• Property documents (if collateral offered)

Special Message for Elite Clients

"We understand that high-net-worth individuals and established business houses require more than just standard loan solutions. You deserve discretion, speed, and tailor-made financial structuring."

What We Offer Our Elite Clientele:

• Dedicated Relationship Manager – Single point of contact for all your loan needs

• Priority Processing – Sanction within 48–72 hours (subject to document readiness)

• Customized Loan Structuring – Flexible repayment, hybrid security options, and bespoke terms

• Access to Exclusive Lenders – Private banks, family offices, and institutional lenders not available to the general public

• Higher Limits – Secured limits beyond ₹5 Crore? We work with select private lenders offering OD/CC facilities up to ₹25 Crore+ based on group turnover and high-value collateral

• Confidentiality Assured – Complete discretion guaranteed

For elite clients, please reach out directly: Mention "Elite Client – Secured Limits" when contacting us for priority service. Please leave a whatsapp message or email.

Ready to proceed?
Whether you need CGTSME or Secured Limits – regular or elite – we're here to help.

We serve Punjab As well as all over India.
👉 Contact us today for a free eligibility check.