CGTMSE Scheme Operational Guidelines

CGTMSE Scheme Operational Guidelines PDF Download

Download PDF of CGTMSE Scheme Operational Guidelines from the link available below in the article, CGTMSE Scheme Operational Guidelines PDF free or read online using the direct link given at the bottom of content.

2 Like this PDF
❴SHARE THIS PDF❵ FacebookX (Twitter)Whatsapp

CGTMSE Scheme Operational Guidelines

CGTMSE Scheme Operational Guidelines PDF read online or download for free from the link given at the bottom of this article.

Ministry of Housing and Urban Affairs (MoHUA), Government of India, had implemented a scheme titled “PM Street Vendor’s AtmaNirbhar Nidhi (PM SVANidhi)”, for facilitating credit to Street Vendors. The scheme has the
following objectives:

  • To facilitate working capital loan up to ₹10,000; (On timely or early repayment, the vendors will be eligible for the next loan with an enhanced limit of a maximum of 200% of the earlier loan, subject to a ceiling of ₹20,000)
  • To incentivize regular repayment; and
  • To reward digital transactions.

The scheme will help formalize the street vendors with the above objectives and will open up new opportunities for this sector to move up the economic ladder.

Small Industries Development Bank of India (SIDBI) will be the Implementation Partner (IP) of MoHUA for scheme administration and would leverage the network of lending Institutions including the SCBs, RRBs, SFBs, Co-operative Banks, NBFCs & MFIs for scheme implementation.

Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) would be administering the Credit Guarantee Scheme for PM SVANidhi, for the credit facilities sanctioned by the Lending Institutions under “PM SVANidhi”.

The main objective is that the lender should give importance to project viability and secure the credit facility purely on the primary security of the assets financed. The other objective is that the lender availing guarantee facility should endeavour to give composite credit to the borrowers so that the borrowers obtain both term loan and working capital facilities from a single agency. The Credit Guarantee Scheme (CGS) seeks to reassure the lender that, in the event of an MSE unit, which availed collateral-free credit facilities, fails to discharge its liabilities to the lender, the Guarantee Trust would make good the loss incurred by the lender up to 50/ 75 / 80/ 85 per cent (as per the current structure) of the credit facility.

Purpose of the Scheme:

To provide guarantee coverage under the Credit Guarantee Scheme for PM SVANidhi to the Member Lending Institutions (MLIs) to facilitate sanction of working capital loan up to ₹10,000 or any amount as per PM SVANidhi. The Scheme has a provision of Graded Guarantee Cover for the loans sanctioned, on a portfolio basis, which is being administered by CGTMSE, as indicated below:

  1. First Loss Default (Up to 5%): 100%
  2. Second Loss (beyond 5% up to 15%): 75% of default portfolio
  3. Maximum guarantee coverage will be 15% of the year portfolio

For more details, you can download the CGTMSE Scheme Operational Guidelines in PDF format using the link given below or an alternative link.

2nd Page of CGTMSE Scheme Operational Guidelines PDF
CGTMSE Scheme Operational Guidelines
PDF's Related to CGTMSE Scheme Operational Guidelines

Download link of PDF of CGTMSE Scheme Operational Guidelines

REPORT THISIf the purchase / download link of CGTMSE Scheme Operational Guidelines PDF is not working or you feel any other problem with it, please REPORT IT by selecting the appropriate action such as copyright material / promotion content / link is broken etc. If this is a copyright material we will not be providing its PDF or any source for downloading at any cost.


  • Budget 2022

    Finance Minister Nirmala Sitharaman presented the Union Budget 2022-23 in Parliament on 1st February 2022. In this Budget the the government has proposed expanding highways in the country by 25,000 kilometres, allocating Rs 60,000 crore to the Nal se Jal scheme, five river link projects across various states, an additional...

  • Budget Speech 2022

    Union Finance Minster Presents its Union Budget on 1st Feb 2022 and said that the country is expected to grow at 9.27 per cent in the coming year. This budget focus on four pillars of development — inclusive development, productivity enhancement, energy transition and climate action — the Budget gives...

  • Canara Bank MSME Loan Application Form Hindi

    MSME Sector – Micro, Small and Medium Enterprises Sector defined as per MSMED Act 2006. Micro and Small Enterprises Sector include Road & Water Transport Operators, Small Business,Retail Trade, Professional and Self Employed & other Service Sector Enterprises. Items to be included & excluded while calculating Original investment in Plant...

  • CGTMSE Scheme

    CGTMSE offers credit guarantee to financial institutions that provide loans to MSMEs. CGTMSE provides a guarantee to lending institutions up to a certain limit for all lending done by them to the MSME sector. Eligible Borrowers: All new and existing MSMEs are eligible for this credit guarantee under certain conditions. The conditions are:...

  • MSME Schemes List

    Download the MSME Schemes List in PDF format here. MSME (Micro, Small, and Medium Enterprises) schemes are initiatives and programs introduced by governments and financial institutions to support and promote the growth of small and medium-sized businesses. These schemes vary from one country to another, but they generally aim to...

  • West Bengal Bhabishyat Credit Card Scheme

    The Government of West Bengal is introducing an innovative scheme to provide self-employment to the young entrepreneurs of West Bengal for the promotion and development of MSMEs in the State. The scheme may be called the West Bengal Bhabishyat Credit Card Scheme (hereafter referred to as WBBCCS) for the youth...

One thought on “CGTMSE Scheme Operational Guidelines

Leave a Reply

Your email address will not be published. Required fields are marked *