{"id":1275,"date":"2026-04-15T12:17:11","date_gmt":"2026-04-15T12:17:11","guid":{"rendered":"https:\/\/msmegyan.in\/?p=1275"},"modified":"2026-04-16T06:41:51","modified_gmt":"2026-04-16T06:41:51","slug":"collateral-free-loan-under-msme-cgtmse-guide","status":"publish","type":"post","link":"https:\/\/msmegyan.in\/bn\/collateral-free-loan-under-msme-cgtmse-guide\/","title":{"rendered":"\u098f\u09ae\u098f\u09b8\u098f\u09ae\u0987-\u098f\u09b0 \u0985\u09a7\u09c0\u09a8\u09c7 \u099c\u09be\u09ae\u09be\u09a8\u09a4\u09ae\u09c1\u0995\u09cd\u09a4 \u098b\u09a3 \u2014 \u09b8\u09bf\u099c\u09bf\u099f\u09bf\u098f\u09ae\u098f\u09b8\u0987 \u0995\u09c0\u09ad\u09be\u09ac\u09c7 \u0986\u09aa\u09a8\u09be\u09b0 \u09b8\u09ae\u09be\u09a7\u09be\u09a8 \u09b9\u09bf\u09b8\u09c7\u09ac\u09c7 \u0995\u09be\u099c \u0995\u09b0\u09c7 | \u098f\u09ae\u098f\u09b8\u098f\u09ae\u0987 \u099c\u09cd\u099e\u09be\u09a8"},"content":{"rendered":"<!--\n==============================================\nPOST DETAILS\n==============================================\nGUTENBERG TITLE FIELD (H1 \u2014 what reader sees):\nI Need a Loan But I Have No Collateral\u2026 What Is the Workaround?\n\nRANK MATH SEO TITLE (what Google sees):\nCollateral Free Loan Under MSME \u2014 How CGTMSE Works as Your Workaround | MSMEGyan\n\nSLUG:\ncollateral-free-loan-under-msme-cgtmse-guide\n\nFOCUS KEYWORD:\ncollateral free loan under msme\n\nSECONDARY KEYWORDS:\nCGTMSE scheme, MSME loan without collateral, credit guarantee scheme MSME, collateral free business loan\n\nMETA DESCRIPTION:\nNo property. No guarantor. No collateral. Yet you can get a business loan up to \u20b910 crore. Here is exactly how the CGTMSE scheme works \u2014 and how to use it.\n\nCATEGORY:\nHow-To Guides\n\nEXCERPT:\nThe bank said no because you have no collateral. But there is a government workaround that most MSME owners never find out about. It is called CGTMSE \u2014 and it lets you get a collateral free loan under MSME schemes of up to \u20b910 crore, without pledging property, gold, or a personal guarantor. Here is exactly how it works and how to use it.\n\n==============================================\nIMAGE URLS \u2014 ALL CONFIRMED\n==============================================\nScene opener  \u2192 https:\/\/msmegyan.in\/wp-content\/uploads\/2026\/04\/CGTMSE-Loans-English.png\n               Hindi swap in TranslatePress \u2192 PASTE URL OF: CGTMSE_Loans-Home_Loan.png\n\nImage 1       \u2192 https:\/\/msmegyan.in\/wp-content\/uploads\/2026\/04\/Bank-Scrutiny-English.png\n               No text on image \u2014 NO Hindi swap needed\n\nImage 2       \u2192 https:\/\/msmegyan.in\/wp-content\/uploads\/2026\/04\/Loan-Application-In-Bank.png\n               No text on image \u2014 NO Hindi swap needed\n\nImage 3       \u2192 https:\/\/msmegyan.in\/wp-content\/uploads\/2026\/04\/Happy-Customer.png\n               No text on image \u2014 NO Hindi swap needed\n\nTranslatePress action needed for Scene Opener only.\n==============================================\n-->\n\n<div class=\"cg-post\">\n\n<!-- \u2550\u2550 SCENE OPENER \u2550\u2550\n     English: CGTMSE-Loans-English.png \u2705\n     Hindi swap needed: CGTMSE_Loans-Home_Loan.png\n     \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 -->\n<div class=\"cg-img-wrap\">\n  <img decoding=\"async\" src=\"https:\/\/msmegyan.in\/wp-content\/uploads\/2026\/04\/CGTMSE-Loans-English.png\"\n       alt=\"Bank manager asking MSME owner for collateral \u2014 the loan is declined\"\n       loading=\"lazy\">\n<\/div>\n<!-- \u2550\u2550 OPENING CALLOUT \u2550\u2550 -->\n<div class=\"cg-callout\">\n  <div class=\"cg-callout-title\">\u09ac\u09cd\u09af\u09be\u0982\u0995 \u09a5\u09c7\u0995\u09c7 \u09ac\u09c7\u09b0 \u09b9\u0993\u09af\u09bc\u09be\u09b0 \u09b8\u09ae\u09af\u09bc \u09af\u09be \u0995\u09c7\u0989 \u0986\u09aa\u09a8\u09be\u0995\u09c7 \u09ac\u09b2\u09c7 \u09a8\u09be<\/div>\n  <p class=\"translation-block\">\u09ad\u09be\u09b0\u09a4 \u09b8\u09b0\u0995\u09be\u09b0 \u09a0\u09bf\u0995 \u098f\u0987 \u09aa\u09b0\u09bf\u09b8\u09cd\u09a5\u09bf\u09a4\u09bf\u09b0 \u099c\u09a8\u09cd\u09af \u098f\u0995\u099f\u09bf \u09a8\u09bf\u09b0\u09cd\u09a6\u09bf\u09b7\u09cd\u099f \u09b8\u09ae\u09be\u09a7\u09be\u09a8 \u09a4\u09c8\u09b0\u09bf \u0995\u09b0\u09c7\u099b\u09bf\u09b2 \u2014 \u09e8\u09eb \u09ac\u099b\u09b0 \u0986\u0997\u09c7\u0964<\/p>\n  <p class=\"translation-block\">\u098f\u099f\u09bf\u09b0 \u09a8\u09be\u09ae \u09b8\u09bf\u099c\u09bf\u099f\u09bf\u098f\u09ae\u098f\u09b8\u0987\u0964 \u09e8\u09e6\u09e6\u09e6 \u09b8\u09be\u09b2 \u09a5\u09c7\u0995\u09c7 \u098f \u09aa\u09b0\u09cd\u09af\u09a8\u09cd\u09a4 \u098f\u099f\u09bf \u09ec\u09eb \u09b2\u0995\u09cd\u09b7\u09c7\u09b0\u0993 \u09ac\u09c7\u09b6\u09bf \u099c\u09be\u09ae\u09be\u09a8\u09a4\u09ae\u09c1\u0995\u09cd\u09a4 \u098b\u09a3 \u09ae\u099e\u09cd\u099c\u09c1\u09b0 \u09b8\u09ae\u09cd\u09ad\u09ac \u0995\u09b0\u09c7\u099b\u09c7\u0964 \u09b6\u09c1\u09a7\u09c1 \u09e8\u09e6\u09e8\u09ea\u2013\u09e8\u09eb \u0985\u09b0\u09cd\u09a5\u09ac\u099b\u09b0\u09c7\u0987 \u098f\u099f\u09bf \u09b8\u09be\u09b0\u09be \u09ad\u09be\u09b0\u09a4\u09c7 \u09e9.\u09e6\u09eb \u09b2\u0995\u09cd\u09b7 \u0995\u09cb\u099f\u09bf \u099f\u09be\u0995\u09be\u09b0 \u09ac\u09cd\u09af\u09ac\u09b8\u09be\u09af\u09bc\u09bf\u0995 \u098b\u09a3 \u09b8\u09ae\u09b0\u09cd\u09a5\u09a8 \u0995\u09b0\u09c7\u099b\u09c7\u0964<\/p>\n  <p>\u09af\u09be\u09a6\u09c7\u09b0 \u098f\u099f\u09bf \u09b8\u09ac\u099a\u09c7\u09af\u09bc\u09c7 \u09ac\u09c7\u09b6\u09bf \u09aa\u09cd\u09b0\u09af\u09bc\u09cb\u099c\u09a8, \u09a4\u09be\u09a6\u09c7\u09b0 \u0985\u09a7\u09bf\u0995\u09be\u0982\u09b6 \u098f\u09ae\u098f\u09b8\u098f\u09ae\u0987 \u09ae\u09be\u09b2\u09bf\u0995 \u098f\u099f\u09bf \u09b8\u09ae\u09cd\u09aa\u09b0\u09cd\u0995\u09c7 \u0995\u0996\u09a8\u09cb \u09b6\u09cb\u09a8\u09c7\u09a8\u09a8\u09bf\u0964 \u098f\u0987 \u09a8\u09bf\u09b0\u09cd\u09a6\u09c7\u09b6\u09bf\u0995\u09be \u09b8\u09c7\u0987 \u09aa\u09b0\u09bf\u09b8\u09cd\u09a5\u09bf\u09a4\u09bf \u09ac\u09a6\u09b2\u09c7 \u09a6\u09c7\u09ac\u09c7\u0964<\/p>\n<\/div>\n\n<!-- \u2550\u2550 STATS \u2550\u2550 -->\n<div class=\"cg-stats\">\n  <div class=\"cg-stat\">\n    <div class=\"cg-stat-num\">\u09e7\u09e6 \u0995\u09cb\u099f\u09bf \u099f\u09be\u0995\u09be<\/div>\n    <div class=\"cg-stat-label\">\u09b8\u09b0\u09cd\u09ac\u09cb\u099a\u09cd\u099a \u099c\u09be\u09ae\u09be\u09a8\u09a4\u09ae\u09c1\u0995\u09cd\u09a4 \u098b\u09a3 \u2014 \u09ac\u09be\u099c\u09c7\u099f \u09e8\u09e6\u09e8\u09eb-\u098f \u09a6\u09cd\u09ac\u09bf\u0997\u09c1\u09a3 \u0995\u09b0\u09be \u09b9\u09af\u09bc\u09c7\u099b\u09c7<\/div>\n  <\/div>\n  <div class=\"cg-stat\">\n    <div class=\"cg-stat-num\">276<\/div>\n    <div class=\"cg-stat-label\">\u09b8\u09be\u09b0\u09be \u09ad\u09be\u09b0\u09a4\u09c7 \u0985\u0982\u09b6\u0997\u09cd\u09b0\u09b9\u09a3\u0995\u09be\u09b0\u09c0 \u09ac\u09cd\u09af\u09be\u0982\u0995 \u0993 \u098f\u09a8\u09ac\u09bf\u098f\u09ab\u09b8\u09bf<\/div>\n  <\/div>\n  <div class=\"cg-stat\">\n    <div class=\"cg-stat-num\">\u09ec\u09eb \u09b2\u0995\u09cd\u09b7\u09c7\u09b0\u0993 \u09ac\u09c7\u09b6\u09bf<\/div>\n    <div class=\"cg-stat-label\">\u09e8\u09e6\u09e6\u09e6 \u09b8\u09be\u09b2 \u09a5\u09c7\u0995\u09c7 \u09ae\u099e\u09cd\u099c\u09c1\u09b0\u09bf\u0995\u09c3\u09a4 \u099c\u09be\u09ae\u09be\u09a8\u09a4\u09ae\u09c1\u0995\u09cd\u09a4 \u098b\u09a3 \u09b9\u09bf\u09b8\u09be\u09ac<\/div>\n  <\/div>\n<\/div>\n\n<h2>The Workaround: What Is CGTMSE?<\/h2>\n\n<p class=\"translation-block\">\u09b8\u09bf\u099c\u09bf\u099f\u09bf\u098f\u09ae\u098f\u09b8\u0987-\u098f\u09b0 \u09aa\u09c2\u09b0\u09cd\u09a3 \u0985\u09b0\u09cd\u09a5 \u09b9\u09b2\u09cb \u0995\u09cd\u09b7\u09c1\u09a6\u09cd\u09b0 \u0993 \u0985\u09a4\u09bf \u0995\u09cd\u09b7\u09c1\u09a6\u09cd\u09b0 \u0989\u09a6\u09cd\u09af\u09cb\u0997\u09c7\u09b0 \u099c\u09a8\u09cd\u09af \u098b\u09a3 \u0997\u09cd\u09af\u09be\u09b0\u09be\u09a8\u09cd\u099f\u09bf \u09a4\u09b9\u09ac\u09bf\u09b2 \u099f\u09cd\u09b0\u09be\u09b8\u09cd\u099f\u0964<\/p>\n\n<p class=\"translation-block\">\u098f\u099f\u09bf \u09e8\u09e6\u09e6\u09e6 \u09b8\u09be\u09b2\u09c7\u09b0 \u09e7 \u0986\u0997\u09b8\u09cd\u099f \u099a\u09be\u09b2\u09c1 \u0995\u09b0\u09be \u09b9\u09af\u09bc\u09c7\u099b\u09bf\u09b2 \u2014 \u09ad\u09be\u09b0\u09a4 \u09b8\u09b0\u0995\u09be\u09b0\u09c7\u09b0 \u098f\u09ae\u098f\u09b8\u098f\u09ae\u0987 \u09ae\u09a8\u09cd\u09a4\u09cd\u09b0\u09a3\u09be\u09b2\u09af\u09bc \u098f\u09ac\u0982 \u098f\u09b8\u0986\u0987\u09a1\u09bf\u09ac\u09bf\u0986\u0987 \u0985\u09b0\u09cd\u09a5\u09be\u09ce \u09b8\u09cd\u09ae\u09b2 \u0987\u09a8\u09cd\u09a1\u09be\u09b8\u09cd\u099f\u09cd\u09b0\u09bf\u099c \u09a1\u09c7\u09ad\u09c7\u09b2\u09aa\u09ae\u09c7\u09a8\u09cd\u099f \u09ac\u09cd\u09af\u09be\u0982\u0995 \u0985\u09ac \u0987\u09a8\u09cd\u09a1\u09bf\u09af\u09bc\u09be\u09b0 \u098f\u0995\u099f\u09bf \u09af\u09cc\u09a5 \u0989\u09a6\u09cd\u09af\u09cb\u0997\u0964<\/p>\n\n<p>\u09ae\u09c2\u09b2 \u09a7\u09be\u09b0\u09a3\u09be\u099f\u09bf \u098f\u0995 \u09ac\u09be\u0995\u09cd\u09af\u09c7:<\/p>\n\n<div class=\"cg-answer\">\n  <div class=\"cg-answer-icon\">\ud83d\udca1<\/div>\n  \u09b8\u09bf\u099c\u09bf\u099f\u09bf\u098f\u09ae\u098f\u09b8\u0987 \u09ac\u09cd\u09af\u09be\u0982\u0995\u0995\u09c7 \u09ac\u09b2\u09c7: \"\u098f\u0987 \u098b\u09a3\u0997\u09cd\u09b0\u09b9\u09c0\u09a4\u09be \u0996\u09c7\u09b2\u09be\u09aa\u09bf \u09b9\u09b2\u09c7 \u0986\u09ae\u09b0\u09be \u0986\u09aa\u09a8\u09be\u09b0 \u099d\u09c1\u0981\u0995\u09bf\u09b0 \u09ed\u09eb\u2013\u09ee\u09eb% \u09ac\u09b9\u09a8 \u0995\u09b0\u09ac\u0964\" \u09a4\u0996\u09a8 \u09ac\u09cd\u09af\u09be\u0982\u0995\u09c7\u09b0 \u0986\u09b0 \u0986\u09aa\u09a8\u09be\u09b0 \u09b8\u09ae\u09cd\u09aa\u09a4\u09cd\u09a4\u09bf\u09b0 \u09aa\u09cd\u09b0\u09af\u09bc\u09cb\u099c\u09a8 \u09b9\u09af\u09bc \u09a8\u09be\u0964 \u098f\u099f\u09bf \u099c\u09be\u09ae\u09be\u09a8\u09a4 \u099b\u09be\u09a1\u09bc\u09be\u0987 \u098b\u09a3 \u09a6\u09c7\u09af\u09bc\u0964\n<\/div>\n\n<p>\u0986\u09aa\u09a8\u09bf \u0995\u0996\u09a8\u09cb \u09b8\u09b0\u09be\u09b8\u09b0\u09bf \u09b8\u09bf\u099c\u09bf\u099f\u09bf\u098f\u09ae\u098f\u09b8\u0987-\u098f\u09b0 \u09b8\u09be\u09a5\u09c7 \u09af\u09cb\u0997\u09be\u09af\u09cb\u0997 \u0995\u09b0\u09c7\u09a8 \u09a8\u09be\u0964 \u0986\u09aa\u09a8\u09bf \u09ac\u09cd\u09af\u09be\u0982\u0995\u09c7\u09b0 \u0995\u09be\u099b\u09c7 \u09af\u09be\u09a8\u0964 \u09ac\u09cd\u09af\u09be\u0982\u0995 \u0997\u09cd\u09af\u09be\u09b0\u09be\u09a8\u09cd\u099f\u09bf\u09b0 \u09ac\u09bf\u09b7\u09af\u09bc\u099f\u09bf \u09aa\u09b0\u09bf\u099a\u09be\u09b2\u09a8\u09be \u0995\u09b0\u09c7\u0964 \u0986\u09aa\u09a8\u09bf \u098b\u09a3 \u09aa\u09be\u09a8\u0964<\/p>\n\n<div class=\"cg-quote\">\n  \"\u098f\u0987 \u09aa\u09cd\u09b0\u0995\u09b2\u09cd\u09aa\u099f\u09bf \u09ac\u09cd\u09af\u09be\u0982\u0995 \u0993 \u0986\u09b0\u09cd\u09a5\u09bf\u0995 \u09aa\u09cd\u09b0\u09a4\u09bf\u09b7\u09cd\u09a0\u09be\u09a8 \u0995\u09b0\u09cd\u09a4\u09c3\u0995 \u0989\u09a6\u09cd\u09af\u09cb\u0995\u09cd\u09a4\u09be\u09a6\u09c7\u09b0 \u099c\u09be\u09ae\u09be\u09a8\u09a4\u09ae\u09c1\u0995\u09cd\u09a4 \u098b\u09a3 \u09ae\u099e\u09cd\u099c\u09c1\u09b0\u09c7\u09b0 \u099c\u09a8\u09cd\u09af \u0997\u09cd\u09af\u09be\u09b0\u09be\u09a8\u09cd\u099f\u09bf \u0995\u09ad\u09be\u09b0 \u09aa\u09cd\u09b0\u09a6\u09be\u09a8 \u0995\u09b0\u09c7\u0964\"\n  <cite>\u09b8\u09c2\u09a4\u09cd\u09b0: \u098f\u09b8\u09ac\u09bf\u0986\u0987 \u09b8\u09bf\u099c\u09bf\u099f\u09bf\u098f\u09ae\u098f\u09b8\u0987 \u09aa\u09cd\u09b0\u0995\u09b2\u09cd\u09aa \u09aa\u09c3\u09b7\u09cd\u09a0\u09be \u098f\u09ac\u0982 cgtmse.in-\u098f\u09b0 \u09b8\u09b0\u0995\u09be\u09b0\u09bf \u09aa\u09cd\u09b0\u0995\u09b2\u09cd\u09aa \u09a6\u09b2\u09bf\u09b2<\/cite>\n<\/div>\n\n<!-- \u2550\u2550 IMAGE 1 \u2550\u2550\n     Bank_Scrutiny-English.png \u2705\n     No text overlay \u2014 same for Hindi, no swap needed\n     \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 -->\n<div class=\"cg-img-wrap\">\n  <img decoding=\"async\" src=\"https:\/\/msmegyan.in\/wp-content\/uploads\/2026\/04\/Bank-Scrutiny-English.png\"\n       alt=\"CGTMSE bank evaluation \u2014 business viability approved, property value not a factor\"\n       loading=\"lazy\">\n  <div class=\"cg-img-caption\">Under CGTMSE, the bank evaluates your business viability \u2014 not the value of your property. No property mortgage required.<\/div>\n<\/div>\n\n<h2>\u09b8\u09bf\u099c\u09bf\u099f\u09bf\u098f\u09ae\u098f\u09b8\u0987 \u0995\u09c0\u09ad\u09be\u09ac\u09c7 \u0995\u09be\u099c \u0995\u09b0\u09c7 \u2014 \u09a7\u09be\u09aa\u09c7 \u09a7\u09be\u09aa\u09c7<\/h2>\n\n<p>\u09b8\u09bf\u099c\u09bf\u099f\u09bf\u098f\u09ae\u098f\u09b8\u0987-\u0995\u09c7 \u098f\u0995\u099f\u09bf \u09a8\u09c0\u09b0\u09ac, \u09b8\u09b0\u0995\u09be\u09b0-\u09b8\u09ae\u09b0\u09cd\u09a5\u09bf\u09a4 \u0997\u09cd\u09af\u09be\u09b0\u09be\u09a8\u09cd\u099f\u09b0 \u09b9\u09bf\u09b8\u09c7\u09ac\u09c7 \u09ad\u09be\u09ac\u09c1\u09a8, \u09af\u09c7 \u0986\u09aa\u09a8\u09be\u09b0 \u0995\u09be\u099b \u09a5\u09c7\u0995\u09c7 \u0995\u09bf\u099b\u09c1\u0987 \u099a\u09be\u09af\u09bc \u09a8\u09be, \u0995\u09bf\u09a8\u09cd\u09a4\u09c1 \u09ac\u09cd\u09af\u09be\u0982\u0995\u0995\u09c7 \u09b9\u09cd\u09af\u09be\u0981 \u09ac\u09b2\u09be\u09b0 \u09b8\u09ae\u09cd\u09aa\u09c2\u09b0\u09cd\u09a3 \u0986\u09b8\u09cd\u09a5\u09be \u09a6\u09c7\u09af\u09bc\u0964<\/p>\n\n<div class=\"cg-flow\">\n\n  <div class=\"cg-flow-step\">\n    <div class=\"cg-flow-left\">\n      <div class=\"cg-flow-circle\">1<\/div>\n      <div class=\"cg-flow-line\"><\/div>\n    <\/div>\n    <div class=\"cg-flow-body\">\n      <div class=\"cg-flow-title\">\u0986\u09aa\u09a8\u09bf \u098f\u0995\u099f\u09bf \u09b8\u09a6\u09b8\u09cd\u09af \u098b\u09a3\u09a6\u09be\u09a8\u0995\u09be\u09b0\u09c0 \u09aa\u09cd\u09b0\u09a4\u09bf\u09b7\u09cd\u09a0\u09be\u09a8\u09c7\u09b0 \u0995\u09be\u099b\u09c7 \u09af\u09be\u09a8<\/div>\n      <p class=\"cg-flow-text translation-block\">\u09b8\u09bf\u099c\u09bf\u099f\u09bf\u098f\u09ae\u098f\u09b8\u0987-\u098f\u09b0 \u09b8\u09be\u09a5\u09c7 \u09a8\u09bf\u09ac\u09a8\u09cd\u09a7\u09bf\u09a4 \u09e8\u09ed\u09ec\u099f\u09bf \u09ac\u09cd\u09af\u09be\u0982\u0995 \u0993 \u098f\u09a8\u09ac\u09bf\u098f\u09ab\u09b8\u09bf-\u09b0 \u09ae\u09a7\u09cd\u09af\u09c7 \u09af\u09c7\u0995\u09cb\u09a8\u09cb 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class=\"cg-flow-body\">\n      <div class=\"cg-flow-title\">\u09ac\u09cd\u09af\u09be\u0982\u0995 \u0986\u09aa\u09a8\u09be\u09b0 \u098b\u09a3 \u09b8\u09bf\u099c\u09bf\u099f\u09bf\u098f\u09ae\u098f\u09b8\u0987-\u098f \u09a8\u09bf\u09ac\u09a8\u09cd\u09a7\u09a8 \u0995\u09b0\u09c7<\/div>\n      <p class=\"cg-flow-text\">\u0985\u09a8\u09c1\u09ae\u09cb\u09a6\u09a8\u09c7\u09b0 \u09aa\u09b0 \u09ac\u09cd\u09af\u09be\u0982\u0995 \u098b\u09a3 \u09a8\u09bf\u09ac\u09a8\u09cd\u09a7\u09a8\u09c7\u09b0 \u099c\u09a8\u09cd\u09af \u09b8\u09bf\u099c\u09bf\u099f\u09bf\u098f\u09ae\u098f\u09b8\u0987-\u0995\u09c7 \u09ac\u09be\u09b0\u09cd\u09b7\u09bf\u0995 \u0997\u09cd\u09af\u09be\u09b0\u09be\u09a8\u09cd\u099f\u09bf \u09ab\u09bf \u09aa\u09cd\u09b0\u09a6\u09be\u09a8 \u0995\u09b0\u09c7\u0964 \u098f\u0987 \u09ab\u09bf \u09ac\u09cd\u09af\u09be\u0982\u0995 \u09aa\u09b0\u09bf\u09b6\u09cb\u09a7 \u0995\u09b0\u09c7, \u09a4\u09ac\u09c7 \u0995\u09bf\u099b\u09c1 \u09ac\u09cd\u09af\u09be\u0982\u0995 \u098f\u099f\u09bf 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\u0986\u09aa\u09a8\u09be\u0995\u09c7 \u09b8\u09b0\u09be\u09b8\u09b0\u09bf \u09b8\u09bf\u099c\u09bf\u099f\u09bf\u098f\u09ae\u098f\u09b8\u0987-\u09a4\u09c7 \u09af\u09c7\u09a4\u09c7 \u09ac\u09be \u09af\u09cb\u0997\u09be\u09af\u09cb\u0997 \u0995\u09b0\u09a4\u09c7 \u09b9\u09af\u09bc \u09a8\u09be\u0964<\/div>\n\n<h2>\u099c\u09be\u09ae\u09be\u09a8\u09a4 \u099b\u09be\u09a1\u09bc\u09be \u0995\u09a4 \u099f\u09be\u0995\u09be \u098b\u09a3 \u09aa\u09be\u0993\u09af\u09bc\u09be \u09af\u09be\u09ac\u09c7?<\/h2>\n\n<p class=\"translation-block\">\u09e7 \u09ab\u09c7\u09ac\u09cd\u09b0\u09c1\u09af\u09bc\u09be\u09b0\u09bf \u09e8\u09e6\u09e8\u09eb \u09a4\u09be\u09b0\u09bf\u0996\u09c7 \u0985\u09b0\u09cd\u09a5\u09ae\u09a8\u09cd\u09a4\u09cd\u09b0\u09c0 \u09a8\u09bf\u09b0\u09cd\u09ae\u09b2\u09be \u09b8\u09c0\u09a4\u09be\u09b0\u09be\u09ae\u09a8 \u0995\u09b0\u09cd\u09a4\u09c3\u0995 \u0989\u09aa\u09b8\u09cd\u09a5\u09be\u09aa\u09bf\u09a4 \u0995\u09c7\u09a8\u09cd\u09a6\u09cd\u09b0\u09c0\u09af\u09bc \u09ac\u09be\u099c\u09c7\u099f \u09e8\u09e6\u09e8\u09eb\u2013\u09e8\u09ec-\u098f \u09b8\u09bf\u099c\u09bf\u099f\u09bf\u098f\u09ae\u098f\u09b8\u0987 \u0997\u09cd\u09af\u09be\u09b0\u09be\u09a8\u09cd\u099f\u09bf \u09b8\u09c0\u09ae\u09be \u09eb \u0995\u09cb\u099f\u09bf \u099f\u09be\u0995\u09be \u09a5\u09c7\u0995\u09c7 \u09a6\u09cd\u09ac\u09bf\u0997\u09c1\u09a3 \u0995\u09b0\u09c7 \u09e7\u09e6 \u0995\u09cb\u099f\u09bf \u099f\u09be\u0995\u09be \u0995\u09b0\u09be \u09b9\u09af\u09bc\u09c7\u099b\u09c7, \u09af\u09be \u09e7 \u098f\u09aa\u09cd\u09b0\u09bf\u09b2 \u09e8\u09e6\u09e8\u09eb \u09a5\u09c7\u0995\u09c7 \u0995\u09be\u09b0\u09cd\u09af\u0995\u09b0\u0964<\/p>\n\n<div class=\"cg-numbers\">\n  <div class=\"cg-numbers-title\">\u09ac\u09be\u099c\u09c7\u099f \u09e8\u09e6\u09e8\u09eb \u2014 \u09b8\u09bf\u099c\u09bf\u099f\u09bf\u098f\u09ae\u098f\u09b8\u0987-\u098f\u09b0 \u0995\u09cd\u09b7\u09c7\u09a4\u09cd\u09b0\u09c7 \u0995\u09c0 \u09aa\u09b0\u09bf\u09ac\u09b0\u09cd\u09a4\u09a8 \u09b9\u09af\u09bc\u09c7\u099b\u09c7<\/div>\n  <div class=\"cg-numbers-grid\">\n    <div class=\"cg-num-item\">\n      <div class=\"cg-num-val\">\u09eb \u0995\u09cb\u099f\u09bf \u09a5\u09c7\u0995\u09c7 \u09e7\u09e6 \u0995\u09cb\u099f\u09bf \u099f\u09be\u0995\u09be<\/div>\n      <div class=\"cg-num-desc\">\u0985\u09a4\u09bf \u0995\u09cd\u09b7\u09c1\u09a6\u09cd\u09b0 \u0993 \u0995\u09cd\u09b7\u09c1\u09a6\u09cd\u09b0 \u0989\u09a6\u09cd\u09af\u09cb\u0997\u09c7\u09b0 \u099c\u09a8\u09cd\u09af \u09b8\u09b0\u09cd\u09ac\u09cb\u099a\u09cd\u099a \u099c\u09be\u09ae\u09be\u09a8\u09a4\u09ae\u09c1\u0995\u09cd\u09a4 \u098b\u09a3 \u09a6\u09cd\u09ac\u09bf\u0997\u09c1\u09a3 \u0995\u09b0\u09be \u09b9\u09af\u09bc\u09c7\u099b\u09c7<\/div>\n    <\/div>\n    <div class=\"cg-num-item\">\n      <div class=\"cg-num-val\">\u09e7.\u09eb \u09b2\u0995\u09cd\u09b7 \u0995\u09cb\u099f\u09bf \u099f\u09be\u0995\u09be<\/div>\n      <div class=\"cg-num-desc\">\u0986\u0997\u09be\u09ae\u09c0 \u09aa\u09be\u0981\u099a \u09ac\u099b\u09b0\u09c7 \u098f\u09ae\u098f\u09b8\u098f\u09ae\u0987-\u098f\u09b0 \u099c\u09a8\u09cd\u09af \u0985\u09a4\u09bf\u09b0\u09bf\u0995\u09cd\u09a4 \u098b\u09a3 \u0989\u09a8\u09cd\u09ae\u09c1\u0995\u09cd\u09a4 \u09b9\u0993\u09af\u09bc\u09be\u09b0 \u09aa\u09cd\u09b0\u09be\u0995\u09cd\u0995\u09b2\u09a8<\/div>\n    <\/div>\n    <div class=\"cg-num-item\">\n      <div class=\"cg-num-val\">\u09e7 \u098f\u09aa\u09cd\u09b0\u09bf\u09b2 \u09e8\u09e6\u09e8\u09eb<\/div>\n      <div class=\"cg-num-desc\">\u09b8\u0982\u09b6\u09cb\u09a7\u09bf\u09a4 \u09e7\u09e6 \u0995\u09cb\u099f\u09bf \u099f\u09be\u0995\u09be\u09b0 \u09b8\u09c0\u09ae\u09be \u0995\u09be\u09b0\u09cd\u09af\u0995\u09b0\u09c7\u09b0 \u09a4\u09be\u09b0\u09bf\u0996<\/div>\n    <\/div>\n    <div class=\"cg-num-item\">\n      <div class=\"cg-num-val\">\u20b910 Cr \u2192 \u20b920 Cr<\/div>\n      <div class=\"cg-num-desc\">\u09b8\u09cd\u099f\u09be\u09b0\u09cd\u099f\u0986\u09aa\u09c7\u09b0 \u099c\u09a8\u09cd\u09af \u0997\u09cd\u09af\u09be\u09b0\u09be\u09a8\u09cd\u099f\u09bf \u0995\u09ad\u09be\u09b0\u0993 \u09a6\u09cd\u09ac\u09bf\u0997\u09c1\u09a3 \u0995\u09b0\u09be \u09b9\u09af\u09bc\u09c7\u099b\u09c7, \u09a8\u09be\u09ae\u09ae\u09be\u09a4\u09cd\u09b0 \u09e7% \u09ab\u09bf \u09b8\u09b9<\/div>\n    <\/div>\n  <\/div>\n<\/div>\n\n<div class=\"cg-table-wrap\">\n<table class=\"cg-table\">\n  <thead>\n    <tr>\n      <th>\u098b\u09a3\u09c7\u09b0 \u09a7\u09b0\u09a8<\/th>\n      <th>\u09b8\u09b0\u09cd\u09ac\u09cb\u099a\u09cd\u099a \u0995\u09ad\u09be\u09b0<\/th>\n      <th>\u099c\u09be\u09ae\u09be\u09a8\u09a4 \u09aa\u09cd\u09b0\u09af\u09bc\u09cb\u099c\u09a8?<\/th>\n    <\/tr>\n  <\/thead>\n  <tbody>\n    <tr><td>\u09ae\u09c7\u09af\u09bc\u09be\u09a6\u09bf \u098b\u09a3<\/td><td>\u09e7\u09e6 \u0995\u09cb\u099f\u09bf \u099f\u09be\u0995\u09be \u09aa\u09b0\u09cd\u09af\u09a8\u09cd\u09a4<\/td><td class=\"cg-no\">\u09a8\u09be<\/td><\/tr>\n    <tr><td>\u0995\u09be\u09b0\u09cd\u09af\u0995\u09b0\u09c0 \u09ae\u09c2\u09b2\u09a7\u09a8<\/td><td>\u09e7\u09e6 \u0995\u09cb\u099f\u09bf \u099f\u09be\u0995\u09be \u09aa\u09b0\u09cd\u09af\u09a8\u09cd\u09a4<\/td><td class=\"cg-no\">\u09a8\u09be<\/td><\/tr>\n    <tr><td>\u09ae\u09bf\u09b6\u09cd\u09b0 \u098b\u09a3<\/td><td>\u09e7\u09e6 \u0995\u09cb\u099f\u09bf \u099f\u09be\u0995\u09be \u09aa\u09b0\u09cd\u09af\u09a8\u09cd\u09a4<\/td><td class=\"cg-no\">\u09a8\u09be<\/td><\/tr>\n    <tr><td>\u0986\u0982\u09b6\u09bf\u0995 \u09b9\u09be\u0987\u09ac\u09cd\u09b0\u09bf\u09a1 \u09b8\u09c1\u09b0\u0995\u09cd\u09b7\u09be<\/td><td>\u0985\u09b8\u09c1\u09b0\u0995\u09cd\u09b7\u09bf\u09a4 \u0985\u0982\u09b6 \u09e7\u09e6 \u0995\u09cb\u099f\u09bf \u099f\u09be\u0995\u09be \u09aa\u09b0\u09cd\u09af\u09a8\u09cd\u09a4<\/td><td>\u0986\u0982\u09b6\u09bf\u0995<\/td><\/tr>\n  <\/tbody>\n<\/table>\n<\/div>\n<span class=\"cg-source\">\ud83d\udccb PIB PRID:2098389 \u00b7 SBI CGTMSE Page \u00b7 cgtmse.in Scheme Document (Jan 2025)<\/span>\n\n<h2>\u0995\u09be\u09b0\u09be \u09af\u09cb\u0997\u09cd\u09af?<\/h2>\n\n<div class=\"cg-two-col\">\n  <div class=\"cg-col-card green\">\n    <h4>\u2705 \u0986\u09aa\u09a8\u09bf \u09af\u09cb\u0997\u09cd\u09af \u09af\u09a6\u09bf \u0986\u09aa\u09a8\u09bf \u09b9\u09a8<\/h4>\n    <ul>\n      <li>\u098f\u0995\u099f\u09bf \u09a8\u09a4\u09c1\u09a8 \u09ac\u09be \u09ac\u09bf\u09a6\u09cd\u09af\u09ae\u09be\u09a8 \u0985\u09a4\u09bf \u0995\u09cd\u09b7\u09c1\u09a6\u09cd\u09b0 \u09ac\u09be \u0995\u09cd\u09b7\u09c1\u09a6\u09cd\u09b0 \u0989\u09a6\u09cd\u09af\u09cb\u0997<\/li>\n      <li>\u0989\u09ce\u09aa\u09be\u09a6\u09a8, \u09ac\u09be\u09a3\u09bf\u099c\u09cd\u09af \u09ac\u09be \u09b8\u09c7\u09ac\u09be \u0996\u09be\u09a4\u09c7<\/li>\n      <li>\u0989\u09a6\u09cd\u09af\u09ae \u09aa\u09cb\u09b0\u09cd\u099f\u09be\u09b2\u09c7 \u09a8\u09bf\u09ac\u09a8\u09cd\u09a7\u09bf\u09a4 (\u09ac\u09be\u09a7\u09cd\u09af\u09a4\u09be\u09ae\u09c2\u09b2\u0995)<\/li>\n      <li>\u098f\u0995\u09ae\u09be\u09b2\u09bf\u0995\u09be\u09a8\u09be, \u0985\u0982\u09b6\u09c0\u09a6\u09be\u09b0\u09bf\u09a4\u09cd\u09ac, \u098f\u09b2\u098f\u09b2\u09aa\u09bf \u09ac\u09be \u09aa\u09cd\u09b0\u09be\u0987\u09ad\u09c7\u099f \u09ac\u09be \u09aa\u09be\u09ac\u09b2\u09bf\u0995 \u09b2\u09bf\u09ae\u09bf\u099f\u09c7\u09a1 \u0995\u09cb\u09ae\u09cd\u09aa\u09be\u09a8\u09bf<\/li>\n      <li>\u098b\u09a3\u09a6\u09be\u09a4\u09be \u0995\u09b0\u09cd\u09a4\u09c3\u0995 \u0995\u09be\u09b0\u09cd\u09af\u0995\u09b0 \u09b9\u09bf\u09b8\u09c7\u09ac\u09c7 \u09ae\u09c2\u09b2\u09cd\u09af\u09be\u09af\u09bc\u09bf\u09a4<\/li>\n      <li>\u0995\u09cb\u09a8\u09cb \u09ac\u09bf\u09a6\u09cd\u09af\u09ae\u09be\u09a8 \u09ac\u09cd\u09af\u09be\u0982\u0995 \u0996\u09c7\u09b2\u09be\u09aa\u09bf \u09ac\u09be \u0985\u09a8\u09c1\u09ce\u09aa\u09be\u09a6\u09a8\u09b6\u09c0\u09b2 \u09b8\u09ae\u09cd\u09aa\u09a6\u09ae\u09c1\u0995\u09cd\u09a4<\/li>\n    <\/ul>\n  <\/div>\n  <div class=\"cg-col-card red\">\n    <h4>\u274c \u0986\u09aa\u09a8\u09bf \u09af\u09cb\u0997\u09cd\u09af \u09a8\u09a8 \u09af\u09a6\u09bf<\/h4>\n    <ul>\n      <li>\u0986\u09aa\u09a8\u09be\u09b0 \u09ac\u09cd\u09af\u09ac\u09b8\u09be \u0995\u09c3\u09b7\u09bf \u09ac\u09be \u09b8\u0982\u09b6\u09cd\u09b2\u09bf\u09b7\u09cd\u099f \u0995\u09be\u09b0\u09cd\u09af\u0995\u09cd\u09b0\u09ae\u09c7 \u09a8\u09bf\u09af\u09bc\u09cb\u099c\u09bf\u09a4<\/li>\n      <li>\u0986\u09aa\u09a8\u09bf \u098f\u0995\u099f\u09bf \u09b8\u09cd\u09ac\u09a8\u09bf\u09b0\u09cd\u09ad\u09b0 \u0997\u09cb\u09b7\u09cd\u09a0\u09c0 (SHG)<\/li>\n      <li>\u0986\u09aa\u09a8\u09bf \u098f\u0995\u099f\u09bf \u09b6\u09bf\u0995\u09cd\u09b7\u09be \u09ac\u09be \u09aa\u09cd\u09b0\u09b6\u09bf\u0995\u09cd\u09b7\u09a3 \u09aa\u09cd\u09b0\u09a4\u09bf\u09b7\u09cd\u09a0\u09be\u09a8 \u09aa\u09b0\u09bf\u099a\u09be\u09b2\u09a8\u09be \u0995\u09b0\u09c7\u09a8<\/li>\n      <li>\u09af\u09c7\u0995\u09cb\u09a8\u09cb \u09ac\u09cd\u09af\u09be\u0982\u0995\u09c7 \u0986\u09aa\u09a8\u09be\u09b0 \u09ac\u09bf\u09a6\u09cd\u09af\u09ae\u09be\u09a8 \u0985\u09a8\u09c1\u09ce\u09aa\u09be\u09a6\u09a8\u09b6\u09c0\u09b2 \u09b8\u09ae\u09cd\u09aa\u09a6 \u09b0\u09af\u09bc\u09c7\u099b\u09c7<\/li>\n      <li>\u0986\u09aa\u09a8\u09be\u09b0 \u098b\u09a3 \u0985\u09a8\u09cd\u09af \u09b8\u09b0\u0995\u09be\u09b0\u09bf \u0997\u09cd\u09af\u09be\u09b0\u09be\u09a8\u09cd\u099f\u09bf\u09b0 \u0986\u0993\u09a4\u09be\u09af\u09bc \u09b0\u09af\u09bc\u09c7\u099b\u09c7<\/li>\n      <li>\u0986\u09aa\u09a8\u09be\u09b0 \u0989\u09a6\u09cd\u09af\u09cb\u0997 \u098f\u0995\u099f\u09bf \u09ae\u09be\u099d\u09be\u09b0\u09bf \u0989\u09a6\u09cd\u09af\u09cb\u0997<\/li>\n    <\/ul>\n  <\/div>\n<\/div>\n\n<div class=\"cg-callout\">\n  <div class=\"cg-callout-title\">\u098f\u0995\u099f\u09bf \u0997\u09c1\u09b0\u09c1\u09a4\u09cd\u09ac\u09aa\u09c2\u09b0\u09cd\u09a3 \u09ac\u09bf\u09b7\u09af\u09bc \u09af\u09be \u0985\u09a8\u09c7\u0995 \u0986\u09ac\u09c7\u09a6\u09a8\u0995\u09be\u09b0\u09c0 \u09ae\u09bf\u09b8 \u0995\u09b0\u09c7\u09a8<\/div>\n  <p class=\"translation-block\">\u09b8\u09bf\u099c\u09bf\u099f\u09bf\u098f\u09ae\u098f\u09b8\u0987 \u0995\u09c7\u09ac\u09b2\u09ae\u09be\u09a4\u09cd\u09b0 \u0985\u09a4\u09bf \u0995\u09cd\u09b7\u09c1\u09a6\u09cd\u09b0 \u0993 \u0995\u09cd\u09b7\u09c1\u09a6\u09cd\u09b0 \u0989\u09a6\u09cd\u09af\u09cb\u0997\u09c7\u09b0 \u099c\u09a8\u09cd\u09af \u09aa\u09cd\u09b0\u09af\u09cb\u099c\u09cd\u09af \u2014 \u09ae\u09be\u099d\u09be\u09b0\u09bf \u0989\u09a6\u09cd\u09af\u09cb\u0997\u09c7\u09b0 \u099c\u09a8\u09cd\u09af \u09a8\u09af\u09bc\u0964 \u098f\u09aa\u09cd\u09b0\u09bf\u09b2 \u09e8\u09e6\u09e8\u09eb-\u098f\u09b0 \u09b8\u0982\u09b6\u09cb\u09a7\u09bf\u09a4 \u09b6\u09cd\u09b0\u09c7\u09a3\u09bf\u09ac\u09bf\u09a8\u09cd\u09af\u09be\u09b8 \u09b8\u09c0\u09ae\u09be \u0985\u09a8\u09c1\u09af\u09be\u09af\u09bc\u09c0, \u0995\u09cd\u09b7\u09c1\u09a6\u09cd\u09b0 \u09b9\u09bf\u09b8\u09c7\u09ac\u09c7 \u09af\u09cb\u0997\u09cd\u09af \u09b9\u09a4\u09c7 \u0986\u09aa\u09a8\u09be\u09b0 \u0989\u09a6\u09cd\u09af\u09cb\u0997\u09c7\u09b0 \u09ac\u09bf\u09a8\u09bf\u09af\u09bc\u09cb\u0997 \u09e8\u09eb \u0995\u09cb\u099f\u09bf \u099f\u09be\u0995\u09be \u098f\u09ac\u0982 \u099f\u09be\u09b0\u09cd\u09a8\u0993\u09ad\u09be\u09b0 \u09e7\u09e6\u09e6 \u0995\u09cb\u099f\u09bf \u099f\u09be\u0995\u09be\u09b0 \u09ae\u09a7\u09cd\u09af\u09c7 \u09a5\u09be\u0995\u09a4\u09c7 \u09b9\u09ac\u09c7\u0964 \u098f\u09b0 \u09ac\u09be\u0987\u09b0\u09c7 \u09b9\u09b2\u09c7 \u0986\u09aa\u09a8\u09bf \u09ae\u09be\u099d\u09be\u09b0\u09bf \u09b6\u09cd\u09b0\u09c7\u09a3\u09bf\u09ad\u09c1\u0995\u09cd\u09a4 \u09b9\u09ac\u09c7\u09a8 \u098f\u09ac\u0982 \u09b8\u09bf\u099c\u09bf\u099f\u09bf\u098f\u09ae\u098f\u09b8\u0987 \u09aa\u09cd\u09b0\u09af\u09cb\u099c\u09cd\u09af \u09b9\u09ac\u09c7 \u09a8\u09be\u0964<\/p>\n  <p class=\"translation-block\">\u0986\u0997\u09c7 \u0986\u09aa\u09a8\u09be\u09b0 \u09b6\u09cd\u09b0\u09c7\u09a3\u09bf \u09af\u09be\u099a\u09be\u0987 \u0995\u09b0\u09c1\u09a8: <a href=\"https:\/\/msmegyan.in\/bn\/calculator\/\" target=\"_self\">\u0986\u09ae\u09be\u09a6\u09c7\u09b0 \u09ac\u09bf\u09a8\u09be\u09ae\u09c2\u09b2\u09cd\u09af\u09c7 \u09af\u09cb\u0997\u09cd\u09af\u09a4\u09be \u09af\u09be\u099a\u09be\u0987 \u0995\u09cd\u09af\u09be\u09b2\u0995\u09c1\u09b2\u09c7\u099f\u09b0 \u09ac\u09cd\u09af\u09ac\u09b9\u09be\u09b0 \u0995\u09b0\u09c1\u09a8 \u2192<\/a><\/p>\n<\/div>\n<span class=\"cg-source\">\ud83d\udccb CGTMSE Official Scheme Document (CGS-I) \u00b7 cgtmse.in<\/span>\n\n<!-- \u2550\u2550 IMAGE 2 \u2550\u2550\n     Loan_Application_In_Bank.png \u2705\n     No text \u2014 same for Hindi, no swap needed\n     \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 -->\n<div class=\"cg-img-wrap\">\n  <img decoding=\"async\" src=\"https:\/\/msmegyan.in\/wp-content\/uploads\/2026\/04\/Udyam_Registration_Must.png\"\n       alt=\"MSME-Udyam-Registration is an absolute must\"\n       loading=\"lazy\">\n  <div class=\"cg-img-caption\">Udyam Registration is the single mandatory prerequisite before a bank can register your loan under CGTMSE \u2014 without it, collateral-free approval is not possible.<\/div>\n<\/div>\n\n<h2>\u09af\u09c7\u0995\u09cb\u09a8\u09cb \u09ac\u09cd\u09af\u09be\u0982\u0995\u09c7 \u09af\u09be\u0993\u09af\u09bc\u09be\u09b0 \u0986\u0997\u09c7 \u0986\u09aa\u09a8\u09be\u0995\u09c7 \u0985\u09ac\u09b6\u09cd\u09af\u0987 \u09af\u09be \u0995\u09b0\u09a4\u09c7 \u09b9\u09ac\u09c7<\/h2>\n\n<div class=\"cg-warning\">\n  <div class=\"cg-warning-title\">\u09aa\u09cd\u09b0\u09a5\u09ae\u09c7 \u098f\u099f\u09bf \u0995\u09b0\u09c1\u09a8 \u2014 \u09af\u09c7\u0995\u09cb\u09a8\u09cb \u09ac\u09cd\u09af\u09be\u0982\u0995\u09c7 \u09aa\u09cd\u09b0\u09ac\u09c7\u09b6 \u0995\u09b0\u09be\u09b0 \u0986\u0997\u09c7<\/div>\n  <p class=\"translation-block\">\u09b8\u09bf\u099c\u09bf\u099f\u09bf\u098f\u09ae\u098f\u09b8\u0987 \u0997\u09cd\u09af\u09be\u09b0\u09be\u09a8\u09cd\u099f\u09bf \u0995\u09ad\u09be\u09b0\u09c7\u09b0 \u099c\u09a8\u09cd\u09af \u0989\u09a6\u09cd\u09af\u09ae \u09a8\u09bf\u09ac\u09a8\u09cd\u09a7\u09a8 \u09ac\u09be\u09a7\u09cd\u09af\u09a4\u09be\u09ae\u09c2\u09b2\u0995\u0964 \u09ac\u09c8\u09a7 \u0989\u09a6\u09cd\u09af\u09ae \u09a8\u09bf\u09ac\u09a8\u09cd\u09a7\u09a8 \u09a8\u09ae\u09cd\u09ac\u09b0 \u099b\u09be\u09a1\u09bc\u09be \u09ac\u09cd\u09af\u09be\u0982\u0995 \u0986\u09aa\u09a8\u09be\u09b0 \u098b\u09a3 \u09b8\u09bf\u099c\u09bf\u099f\u09bf\u098f\u09ae\u098f\u09b8\u0987-\u098f \u09a8\u09bf\u09ac\u09a8\u09cd\u09a7\u09a8 \u0995\u09b0\u09a4\u09c7 \u09aa\u09be\u09b0\u09ac\u09c7 \u09a8\u09be, \u0985\u09b0\u09cd\u09a5\u09be\u09ce \u099c\u09be\u09ae\u09be\u09a8\u09a4\u09ae\u09c1\u0995\u09cd\u09a4 \u0997\u09cd\u09af\u09be\u09b0\u09be\u09a8\u09cd\u099f\u09bf \u09aa\u09cd\u09b0\u09af\u09cb\u099c\u09cd\u09af \u09b9\u09ac\u09c7 \u09a8\u09be \u098f\u09ac\u0982 \u09ac\u09cd\u09af\u09be\u0982\u0995 \u09b8\u09cd\u09ac\u09be\u09ad\u09be\u09ac\u09bf\u0995\u09ad\u09be\u09ac\u09c7\u0987 \u099c\u09be\u09ae\u09be\u09a8\u09a4 \u099a\u09be\u0987\u09ac\u09c7\u0964<\/p>\n  <p class=\"translation-block\">\u0989\u09a6\u09cd\u09af\u09ae \u09a8\u09bf\u09ac\u09a8\u09cd\u09a7\u09a8 \u09b8\u09ae\u09cd\u09aa\u09c2\u09b0\u09cd\u09a3 \u09ac\u09bf\u09a8\u09be\u09ae\u09c2\u09b2\u09cd\u09af\u09c7 \u098f\u09ac\u0982 <a href=\"http:\/\/udyamregistration.gov.in\" target=\"_blank\">udyamregistration.gov.in<\/a>-\u098f \u09ae\u09be\u09a4\u09cd\u09b0 \u09e7\u09e6 \u09ae\u09bf\u09a8\u09bf\u099f\u09c7 \u09b8\u09ae\u09cd\u09aa\u09a8\u09cd\u09a8 \u0995\u09b0\u09be \u09af\u09be\u09af\u09bc\u0964<\/p>\n  <p class=\"translation-block\">No Udyam yet? Read: <a href=\"https:\/\/msmegyan.in\/bn\/is-udyam-registration-free-zero-cost-msme-registration\/\" target=\"_self\">Is Udyam Registration Really Free? Complete Guide 2025 \u2192<\/a><\/p>\n<\/div>\n\n<h2>\u0997\u09cd\u09af\u09be\u09b0\u09be\u09a8\u09cd\u099f\u09bf \u0995\u09ad\u09be\u09b0\u09c7\u099c \u2014 \u09b8\u09bf\u099c\u09bf\u099f\u09bf\u098f\u09ae\u098f\u09b8\u0987 \u0995\u09a4 \u09b6\u09a4\u09be\u0982\u09b6 \u0995\u09ad\u09be\u09b0 \u0995\u09b0\u09c7?<\/h2>\n\n<p>\u09b8\u09bf\u099c\u09bf\u099f\u09bf\u098f\u09ae\u098f\u09b8\u0987 \u098b\u09a3\u09c7\u09b0 \u09e7\u09e6\u09e6% \u0997\u09cd\u09af\u09be\u09b0\u09be\u09a8\u09cd\u099f\u09bf \u09a6\u09c7\u09af\u09bc \u09a8\u09be \u2014 \u098f\u099f\u09bf \u098f\u0995\u099f\u09bf \u09ac\u09a1\u09bc \u0985\u0982\u09b6 \u0995\u09ad\u09be\u09b0 \u0995\u09b0\u09c7, \u09af\u09be \u09ac\u09cd\u09af\u09be\u0982\u0995\u09c7\u09b0 \u099c\u09a8\u09cd\u09af \u099c\u09be\u09ae\u09be\u09a8\u09a4 \u099b\u09be\u09a1\u09bc\u09be\u0987 \u098b\u09a3 \u09aa\u09cd\u09b0\u09a6\u09be\u09a8\u09c7\u09b0 \u099c\u09a8\u09cd\u09af \u09af\u09a5\u09c7\u09b7\u09cd\u099f\u0964<\/p>\n\n<div class=\"cg-coverage\">\n  <div class=\"cg-cov-card featured\">\n    <div class=\"cg-cov-pct\">85%<\/div>\n    <div class=\"cg-cov-label\">\u09ae\u09b9\u09bf\u09b2\u09be \u0989\u09a6\u09cd\u09af\u09cb\u0995\u09cd\u09a4\u09be, \u09a4\u09ab\u09b8\u09bf\u09b2\u09bf \u099c\u09be\u09a4\u09bf \u0993 \u0989\u09aa\u099c\u09be\u09a4\u09bf \u098b\u09a3\u0997\u09cd\u09b0\u09b9\u09c0\u09a4\u09be, \u09eb \u09b2\u0995\u09cd\u09b7 \u099f\u09be\u0995\u09be \u09aa\u09b0\u09cd\u09af\u09a8\u09cd\u09a4 \u0985\u09a4\u09bf \u0995\u09cd\u09b7\u09c1\u09a6\u09cd\u09b0 \u098b\u09a3<\/div>\n  <\/div>\n  <div class=\"cg-cov-card\">\n    <div class=\"cg-cov-pct\">75%<\/div>\n    <div class=\"cg-cov-label\">\u0985\u09a8\u09cd\u09af\u09be\u09a8\u09cd\u09af \u09b8\u0995\u09b2 \u0985\u09a4\u09bf \u0995\u09cd\u09b7\u09c1\u09a6\u09cd\u09b0 \u0993 \u0995\u09cd\u09b7\u09c1\u09a6\u09cd\u09b0 \u0989\u09a6\u09cd\u09af\u09cb\u0997 (\u09b8\u09be\u09a7\u09be\u09b0\u09a3 \u09b6\u09cd\u09b0\u09c7\u09a3\u09bf)<\/div>\n  <\/div>\n  <div class=\"cg-cov-card\">\n    <div class=\"cg-cov-pct\">90%<\/div>\n    <div class=\"cg-cov-label\">\u0986\u09b0\u09ac\u09bf\u0986\u0987 (RBI)  \u099a\u09bf\u09b9\u09cd\u09a8\u09bf\u09a4 \u098b\u09a3-\u0998\u09be\u099f\u09a4\u09bf \u099c\u09c7\u09b2\u09be\u09b0 \u0989\u09a6\u09cd\u09af\u09cb\u0997<\/div>\n  <\/div>\n  <div class=\"cg-cov-card\">\n    <div class=\"cg-cov-pct\">10%<\/div>\n    <div class=\"cg-cov-label\">\u099c\u09c7\u09a1\u0987\u09a1\u09bf (ZED)-\u09b8\u09a8\u09a6\u09aa\u09cd\u09b0\u09be\u09aa\u09cd\u09a4 \u0987\u0989\u09a8\u09bf\u099f\u09c7\u09b0 \u099c\u09a8\u09cd\u09af \u09ac\u09be\u09b0\u09cd\u09b7\u09bf\u0995 \u0997\u09cd\u09af\u09be\u09b0\u09be\u09a8\u09cd\u099f\u09bf \u09ab\u09bf-\u09a4\u09c7 \u099b\u09be\u09a1\u09bc<\/div>\n  <\/div>\n<\/div>\n\n<p class=\"translation-block\"><strong data-no-auto-translation=\"\">\u09b8\u09b9\u099c \u09ad\u09be\u09b7\u09be\u09af\u09bc<\/strong> \u098f\u09b0 \u0985\u09b0\u09cd\u09a5: \u0986\u09aa\u09a8\u09bf \u09e8\u09e6 \u09b2\u0995\u09cd\u09b7 \u099f\u09be\u0995\u09be \u098b\u09a3 \u09a8\u09bf\u09b2\u09c7 \u098f\u09ac\u0982 \u0995\u09ad\u09be\u09b0\u09c7\u099c \u09ed\u09eb% \u09b9\u09b2\u09c7, \u09b8\u09bf\u099c\u09bf\u099f\u09bf\u098f\u09ae\u098f\u09b8\u0987 \u09ac\u09cd\u09af\u09be\u0982\u0995\u0995\u09c7 \u09e7\u09eb \u09b2\u0995\u09cd\u09b7 \u099f\u09be\u0995\u09be \u0997\u09cd\u09af\u09be\u09b0\u09be\u09a8\u09cd\u099f\u09bf \u09a6\u09c7\u09af\u09bc\u0964 \u0986\u09aa\u09a8\u09bf \u0996\u09c7\u09b2\u09be\u09aa\u09bf \u09b9\u09b2\u09c7 \u09ac\u09cd\u09af\u09be\u0982\u0995 \u09b8\u09bf\u099c\u09bf\u099f\u09bf\u098f\u09ae\u098f\u09b8\u0987-\u098f\u09b0 \u0995\u09be\u099b \u09a5\u09c7\u0995\u09c7 \u09e7\u09eb \u09b2\u0995\u09cd\u09b7 \u099f\u09be\u0995\u09be \u09a6\u09be\u09ac\u09bf \u0995\u09b0\u09c7\u0964 \u0985\u09ac\u09b6\u09bf\u09b7\u09cd\u099f \u09eb \u09b2\u0995\u09cd\u09b7 \u099f\u09be\u0995\u09be \u09ac\u09cd\u09af\u09be\u0982\u0995\u09c7\u09b0 \u09a8\u09bf\u099c\u09b8\u09cd\u09ac \u099d\u09c1\u0981\u0995\u09bf, \u098f\u0987 \u0995\u09be\u09b0\u09a3\u09c7\u0987 \u09ac\u09cd\u09af\u09be\u0982\u0995 \u098f\u0996\u09a8\u09cb \u0986\u09aa\u09a8\u09be\u09b0 \u09ac\u09cd\u09af\u09ac\u09b8\u09be \u09b8\u09a4\u09b0\u09cd\u0995\u09a4\u09be\u09b0 \u09b8\u09be\u09a5\u09c7 \u09ae\u09c2\u09b2\u09cd\u09af\u09be\u09af\u09bc\u09a8 \u0995\u09b0\u09c7\u0964 \u0997\u09cd\u09af\u09be\u09b0\u09be\u09a8\u09cd\u099f\u09bf \u099c\u09be\u09ae\u09be\u09a8\u09a4\u09c7\u09b0 \u09b6\u09b0\u09cd\u09a4 \u09b0\u09b9\u09bf\u09a4 \u0995\u09b0\u09c7, \u098b\u09a3 \u09af\u09be\u099a\u09be\u0987-\u09ac\u09be\u099b\u09be\u0987 \u09a8\u09af\u09bc\u0964<\/p>\n\n<span class=\"cg-source\">\ud83d\udccb cgtmse.in \u00b7 SMFG India Credit CGTMSE Guide \u00b7 Bankopedia CGTMSE Guide (2026)<\/span>\n\n<h2>\u09b2\u09c1\u0995\u09be\u09a8\u09cb \u09ac\u09bf\u0995\u09b2\u09cd\u09aa \u2014 \u09b9\u09be\u0987\u09ac\u09cd\u09b0\u09bf\u09a1 (Hybrid)  \u09b8\u09c1\u09b0\u0995\u09cd\u09b7\u09be \u09ae\u09a1\u09c7\u09b2<\/h2>\n\n<div class=\"cg-hybrid\">\n  <div class=\"cg-hybrid-label\">\u09b8\u09cd\u09ac\u09b2\u09cd\u09aa\u09aa\u09b0\u09bf\u099a\u09bf\u09a4 \u09ac\u09c8\u09b6\u09bf\u09b7\u09cd\u099f\u09cd\u09af \u2014 \u09e8\u09e6\u09e7\u09ee \u09b8\u09be\u09b2\u09c7 \u099a\u09be\u09b2\u09c1 \u09b9\u09af\u09bc\u09c7\u099b\u09c7<\/div>\n  <div class=\"cg-hybrid-title\">\u0995\u09bf\u099b\u09c1 \u099c\u09be\u09ae\u09be\u09a8\u09a4 \u0986\u099b\u09c7 \u0995\u09bf\u09a8\u09cd\u09a4\u09c1 \u09b8\u09ae\u09cd\u09aa\u09c2\u09b0\u09cd\u09a3 \u098b\u09a3\u09c7\u09b0 \u099c\u09a8\u09cd\u09af \u09af\u09a5\u09c7\u09b7\u09cd\u099f \u09a8\u09af\u09bc?<\/div>\n  <p style=\"font-size:15px;color:#444;margin-bottom:16px;\" class=\"translation-block\">\u0986\u09aa\u09a8\u09be\u0995\u09c7 \u09b8\u09ae\u09cd\u09aa\u09c2\u09b0\u09cd\u09a3 \u099c\u09be\u09ae\u09be\u09a8\u09a4 \u09ac\u09be \u0995\u09cb\u09a8\u09cb \u099c\u09be\u09ae\u09be\u09a8\u09a4 \u09a8\u09be \u09a6\u09c7\u0993\u09af\u09bc\u09be\u09b0 \u09ae\u09a7\u09cd\u09af\u09c7 \u09ac\u09c7\u099b\u09c7 \u09a8\u09bf\u09a4\u09c7 \u09b9\u09ac\u09c7 \u09a8\u09be\u0964 <strong data-no-auto-translation=\"\">\u09b9\u09be\u0987\u09ac\u09cd\u09b0\u09bf\u09a1 \u09b8\u09c1\u09b0\u0995\u09cd\u09b7\u09be \u09ae\u09a1\u09c7\u09b2\u09c7\u09b0<\/strong> \u0986\u0993\u09a4\u09be\u09af\u09bc \u0986\u09aa\u09a8\u09bf \u09af\u09c7 \u0986\u0982\u09b6\u09bf\u0995 \u099c\u09be\u09ae\u09be\u09a8\u09a4 \u0986\u099b\u09c7 \u09a4\u09be \u09ac\u09a8\u09cd\u09a7\u0995 \u09a6\u09bf\u09a4\u09c7 \u09aa\u09be\u09b0\u09c7\u09a8 \u098f\u09ac\u0982 \u09b8\u09bf\u099c\u09bf\u099f\u09bf\u098f\u09ae\u098f\u09b8\u0987 \u0985\u09ac\u09b6\u09bf\u09b7\u09cd\u099f \u0985\u09b8\u09c1\u09b0\u0995\u09cd\u09b7\u09bf\u09a4 \u0985\u0982\u09b6 \u09e7\u09e6 \u0995\u09cb\u099f\u09bf \u099f\u09be\u0995\u09be \u09aa\u09b0\u09cd\u09af\u09a8\u09cd\u09a4 \u0995\u09ad\u09be\u09b0 \u0995\u09b0\u09ac\u09c7\u0964<\/p>\n  <p style=\"font-size:14px;color:#666;margin-bottom:14px;\">\u0989\u09a6\u09be\u09b9\u09b0\u09a3: \u0986\u09aa\u09a8\u09be\u09b0 \u09e9\u09e6 \u09b2\u0995\u09cd\u09b7 \u099f\u09be\u0995\u09be \u09aa\u09cd\u09b0\u09af\u09bc\u09cb\u099c\u09a8\u0964 \u0986\u09aa\u09a8\u09be\u09b0 \u0995\u09be\u099b\u09c7 \u09ee \u09b2\u0995\u09cd\u09b7 \u099f\u09be\u0995\u09be \u09ae\u09c2\u09b2\u09cd\u09af\u09c7\u09b0 \u09af\u09a8\u09cd\u09a4\u09cd\u09b0\u09aa\u09be\u09a4\u09bf \u09b0\u09af\u09bc\u09c7\u099b\u09c7\u0964<\/p>\n  <div class=\"cg-hybrid-row\">\n    <div class=\"cg-hybrid-seg partial\">\u09ee \u09b2\u0995\u09cd\u09b7 \u099f\u09be\u0995\u09be<span>\u0986\u09aa\u09a8\u09be\u09b0 \u0986\u0982\u09b6\u09bf\u0995 \u099c\u09be\u09ae\u09be\u09a8\u09a4 \u09ac\u09cd\u09af\u09be\u0982\u0995\u09c7 \u09ac\u09a8\u09cd\u09a7\u0995 \u09a6\u09c7\u0993\u09af\u09bc\u09be \u09b9\u09af\u09bc\u09c7\u099b\u09c7<\/span><\/div>\n    <div class=\"cg-hybrid-seg covered\">\u09e8\u09e8 \u09b2\u0995\u09cd\u09b7 \u099f\u09be\u0995\u09be<span>\u09b8\u09bf\u099c\u09bf\u099f\u09bf\u098f\u09ae\u098f\u09b8\u0987 \u0997\u09cd\u09af\u09be\u09b0\u09be\u09a8\u09cd\u099f\u09bf\u09b0 \u0986\u0993\u09a4\u09be\u09af\u09bc \u0995\u09ad\u09be\u09b0 \u0995\u09b0\u09be \u09b9\u09af\u09bc\u09c7\u099b\u09c7 \u2014 \u0985\u09a4\u09bf\u09b0\u09bf\u0995\u09cd\u09a4 \u0995\u09cb\u09a8\u09cb \u099c\u09be\u09ae\u09be\u09a8\u09a4 \u09aa\u09cd\u09b0\u09af\u09bc\u09cb\u099c\u09a8 \u09a8\u09c7\u0987<\/span><\/div>\n  <\/div>\n  <p style=\"font-size:14px;color:#555;margin:14px 0 0;\">\u09ae\u09cb\u099f \u098b\u09a3 = \u09e9\u09e6 \u09b2\u0995\u09cd\u09b7 \u099f\u09be\u0995\u09be\u0964 \u0985\u09a4\u09bf\u09b0\u09bf\u0995\u09cd\u09a4 \u099c\u09be\u09ae\u09be\u09a8\u09a4\u09c7\u09b0 \u09aa\u09cd\u09b0\u09af\u09bc\u09cb\u099c\u09a8 = \u09b6\u09c2\u09a8\u09cd\u09af\u0964<\/p>\n<\/div>\n\n<span class=\"cg-source\">\ud83d\udccb\u09b8\u09c2\u09a4\u09cd\u09b0: \u098f\u09b8\u09ac\u09bf\u0986\u0987 \u09b8\u09bf\u099c\u09bf\u099f\u09bf\u098f\u09ae\u098f\u09b8\u0987 \u09aa\u09cd\u09b0\u0995\u09b2\u09cd\u09aa \u09aa\u09c3\u09b7\u09cd\u09a0\u09be \u098f\u09ac\u0982 cgtmse.in-\u098f\u09b0 \u09b9\u09be\u0987\u09ac\u09cd\u09b0\u09bf\u09a1 \u09b8\u09c1\u09b0\u0995\u09cd\u09b7\u09be \u09ae\u09a1\u09c7\u09b2 \u09a6\u09b2\u09bf\u09b2<\/span>\n\n<h2>\u09ac\u09be\u09b0\u09cd\u09b7\u09bf\u0995 \u0997\u09cd\u09af\u09be\u09b0\u09be\u09a8\u09cd\u099f\u09bf \u09ab\u09bf \u2014 \u098f\u09b0 \u09ac\u09cd\u09af\u09af\u09bc \u0995\u09a4?<\/h2>\n\n<p class=\"translation-block\">\u098b\u09a3\u09a6\u09be\u09a8\u0995\u09be\u09b0\u09c0 \u09aa\u09cd\u09b0\u09a4\u09bf\u09b7\u09cd\u09a0\u09be\u09a8\u09c7\u09b0 \u0995\u09be\u099b \u09a5\u09c7\u0995\u09c7 \u098f\u0995\u099f\u09bf <strong data-no-auto-translation=\"\">\u09ac\u09be\u09b0\u09cd\u09b7\u09bf\u0995 \u0997\u09cd\u09af\u09be\u09b0\u09be\u09a8\u09cd\u099f\u09bf \u09ab\u09bf (\u098f\u099c\u09bf\u098f\u09ab)<\/strong> \u09a8\u09c7\u0993\u09af\u09bc\u09be \u09b9\u09af\u09bc \u2014 \u0986\u09aa\u09a8\u09be\u09b0 \u0995\u09be\u099b \u09a5\u09c7\u0995\u09c7 \u09b8\u09b0\u09be\u09b8\u09b0\u09bf \u09a8\u09af\u09bc\u0964 \u09ac\u09cd\u09af\u09be\u0982\u0995 \u09b8\u09bf\u099c\u09bf\u099f\u09bf\u098f\u09ae\u098f\u09b8\u0987-\u0995\u09c7 \u098f\u0987 \u09ab\u09bf \u09aa\u09cd\u09b0\u09a6\u09be\u09a8 \u0995\u09b0\u09c7\u0964 \u0985\u09a8\u09c7\u0995 \u09ac\u09cd\u09af\u09be\u0982\u0995 \u098f\u099f\u09bf \u098b\u09a3\u09c7\u09b0 \u09ac\u09cd\u09af\u09af\u09bc\u09c7\u09b0 \u09ae\u09a7\u09cd\u09af\u09c7 \u0985\u09a8\u09cd\u09a4\u09b0\u09cd\u09ad\u09c1\u0995\u09cd\u09a4 \u0995\u09b0\u09c7 \u09a8\u09c7\u09af\u09bc\u0964 <strong data-no-auto-translation=\"\">\u09e7 \u098f\u09aa\u09cd\u09b0\u09bf\u09b2 \u09e8\u09e6\u09e8\u09eb<\/strong> \u09a5\u09c7\u0995\u09c7 \u0995\u09be\u09b0\u09cd\u09af\u0995\u09b0:<\/p>\n\n<div class=\"cg-table-wrap\">\n<table class=\"cg-table\">\n  <thead>\n    <tr><th>\u098b\u09a3\u09c7\u09b0 \u09aa\u09b0\u09bf\u09ae\u09be\u09a3<\/th><th>\u09ac\u09be\u09b0\u09cd\u09b7\u09bf\u0995 \u0997\u09cd\u09af\u09be\u09b0\u09be\u09a8\u09cd\u099f\u09bf \u09ab\u09bf<\/th><th>\u0995\u09c7 \u09aa\u09b0\u09bf\u09b6\u09cb\u09a7 \u0995\u09b0\u09c7\u09a8<\/th><\/tr>\n  <\/thead>\n  <tbody>\n    <tr><td>\u09e7\u09e6 \u09b2\u0995\u09cd\u09b7 \u099f\u09be\u0995\u09be \u09aa\u09b0\u09cd\u09af\u09a8\u09cd\u09a4<\/td><td>\u09ac\u09be\u09b0\u09cd\u09b7\u09bf\u0995 \u09e6.\u09e9\u09ed%<\/td><td>\u09ac\u09cd\u09af\u09be\u0982\u0995 (\u0985\u09a8\u09cd\u09af\u09c7\u09b0 \u0989\u09aa\u09b0 \u0986\u09b0\u09cb\u09aa \u0995\u09b0\u09a4\u09c7 \u09aa\u09be\u09b0\u09c7)<\/td><\/tr>\n    <tr><td>\u09e7\u09e6 \u09b2\u0995\u09cd\u09b7 \u09a5\u09c7\u0995\u09c7 \u09e7 \u0995\u09cb\u099f\u09bf \u099f\u09be\u0995\u09be<\/td><td>\u09a7\u09be\u09aa\u09ad\u09bf\u09a4\u09cd\u09a4\u09bf\u0995 \u09b9\u09be\u09b0<\/td><td>\u09ac\u09cd\u09af\u09be\u0982\u0995 (\u0985\u09a8\u09cd\u09af\u09c7\u09b0 \u0989\u09aa\u09b0 \u0986\u09b0\u09cb\u09aa \u0995\u09b0\u09a4\u09c7 \u09aa\u09be\u09b0\u09c7)<\/td><\/tr>\n    <tr><td>\u09ee \u0995\u09cb\u099f\u09bf \u09a5\u09c7\u0995\u09c7 \u09e7\u09e6 \u0995\u09cb\u099f\u09bf \u099f\u09be\u0995\u09be<\/td><td>\u09ac\u09be\u09b0\u09cd\u09b7\u09bf\u0995 \u09e7.\u09e8\u09e6%<\/td><td>\u09ac\u09cd\u09af\u09be\u0982\u0995 (\u0985\u09a8\u09cd\u09af\u09c7\u09b0 \u0989\u09aa\u09b0 \u0986\u09b0\u09cb\u09aa \u0995\u09b0\u09a4\u09c7 \u09aa\u09be\u09b0\u09c7)<\/td><\/tr>\n  <\/tbody>\n<\/table>\n<\/div>\n\n<p class=\"translation-block\"><strong data-no-auto-translation=\"\">\u099c\u09c7\u09a1\u0987\u09a1\u09bf \u09b8\u09a8\u09a6\u09aa\u09cd\u09b0\u09be\u09aa\u09cd\u09a4 \u0987\u0989\u09a8\u09bf\u099f\u0997\u09c1\u09b2\u09bf<\/strong> \u09aa\u09cd\u09b0\u09af\u09cb\u099c\u09cd\u09af \u09ab\u09bf-\u09a4\u09c7 <strong data-no-auto-translation=\"\">\u09e7\u09e6% \u099b\u09be\u09a1\u09bc<\/strong> \u09aa\u09be\u09ac\u09c7\u0964 \u09ac\u09bf\u099c\u09cd\u099e\u09be\u09aa\u09bf\u09a4 \u0985\u099e\u09cd\u099a\u09b2\u09c7\u09b0 \u0987\u0989\u09a8\u09bf\u099f\u0997\u09c1\u09b2\u09bf\u0993 \u099b\u09be\u09a1\u09bc \u09aa\u09be\u09ac\u09c7\u0964<\/p>\n\n<span class=\"cg-source\">\ud83d\udccb blog.jumpp.finance CGTMSE Fee Guide \u00b7 cgtmse.in Scheme Document (effective 1 April 2025)<\/span>\n\n<h2>\u09aa\u09cd\u09b0\u09af\u09bc\u09cb\u099c\u09a8\u09c0\u09af\u09bc \u09a8\u09a5\u09bf\u09aa\u09a4\u09cd\u09b0 \u2014 \u09ac\u09cd\u09af\u09be\u0982\u0995\u09c7 \u0995\u09c0 \u09a8\u09bf\u09af\u09bc\u09c7 \u09af\u09be\u09ac\u09c7\u09a8<\/h2>\n\n<ul>\n  <li class=\"translation-block\"><strong data-no-auto-translation=\"\">\u0989\u09a6\u09cd\u09af\u09ae \u09a8\u09bf\u09ac\u09a8\u09cd\u09a7\u09a8 \u09b8\u09a8\u09a6<\/strong> \u2014 \u09ac\u09be\u09a7\u09cd\u09af\u09a4\u09be\u09ae\u09c2\u09b2\u0995, \u0985\u09aa\u09b0\u09bf\u09b9\u09be\u09b0\u09cd\u09af<\/li>\n  <li class=\"translation-block\"><strong data-no-auto-translation=\"\">\u0995\u09c7\u0993\u09af\u09bc\u09be\u0987\u09b8\u09bf \u09a8\u09a5\u09bf\u09aa\u09a4\u09cd\u09b0<\/strong> \u2014 \u09ae\u09be\u09b2\u09bf\u0995, \u0985\u0982\u09b6\u09c0\u09a6\u09be\u09b0 \u09ac\u09be \u09aa\u09b0\u09bf\u099a\u09be\u09b2\u0995\u09a6\u09c7\u09b0 \u0986\u09a7\u09be\u09b0 \u0993 \u09aa\u09cd\u09af\u09be\u09a8 \u0995\u09be\u09b0\u09cd\u09a1<\/li>\n  <li class=\"translation-block\"><strong data-no-auto-translation=\"\">\u09ac\u09cd\u09af\u09ac\u09b8\u09be \u09a8\u09bf\u09ac\u09a8\u09cd\u09a7\u09a8\u09c7\u09b0 \u09aa\u09cd\u09b0\u09ae\u09be\u09a3\u09aa\u09a4\u09cd\u09b0<\/strong> \u2014 \u09a8\u09bf\u09ac\u09a8\u09cd\u09a7\u09a8 \u09b8\u09a8\u09a6, \u0985\u0982\u09b6\u09c0\u09a6\u09be\u09b0\u09bf\u09a4\u09cd\u09ac\u09c7\u09b0 \u09a6\u09b2\u09bf\u09b2 \u0987\u09a4\u09cd\u09af\u09be\u09a6\u09bf<\/li>\n  <li class=\"translation-block\"><strong data-no-auto-translation=\"\">\u09ac\u09cd\u09af\u09be\u0982\u0995 \u09ac\u09bf\u09ac\u09b0\u09a3\u09c0<\/strong> \u2014 \u09b8\u09b0\u09cd\u09ac\u09b6\u09c7\u09b7 \u09ec\u2013\u09e7\u09e8 \u09ae\u09be\u09b8\u09c7\u09b0<\/li>\n  <li class=\"translation-block\"><strong data-no-auto-translation=\"\">\u0986\u09af\u09bc\u0995\u09b0 \u09b0\u09bf\u099f\u09be\u09b0\u09cd\u09a8<\/strong> \u2014 \u09b8\u09b0\u09cd\u09ac\u09b6\u09c7\u09b7 \u09e8\u2013\u09e9 \u09ac\u099b\u09b0\u09c7\u09b0 (\u09af\u09a6\u09bf \u09a6\u09be\u0996\u09bf\u09b2 \u0995\u09b0\u09be \u09a5\u09be\u0995\u09c7)<\/li>\n  <li class=\"translation-block\"><strong data-no-auto-translation=\"\">\u099c\u09bf\u098f\u09b8\u099f\u09bf \u09b0\u09bf\u099f\u09be\u09b0\u09cd\u09a8<\/strong> \u2014 \u099c\u09bf\u098f\u09b8\u099f\u09bf \u09a8\u09bf\u09ac\u09a8\u09cd\u09a7\u09bf\u09a4 \u09b9\u09b2\u09c7<\/li>\n  <li class=\"translation-block\"><strong data-no-auto-translation=\"\">\u09aa\u09cd\u09b0\u0995\u09b2\u09cd\u09aa \u09aa\u09cd\u09b0\u09a4\u09bf\u09ac\u09c7\u09a6\u09a8 \u09ac\u09be \u09ac\u09cd\u09af\u09ac\u09b8\u09be\u09af\u09bc\u09bf\u0995 \u09aa\u09b0\u09bf\u0995\u09b2\u09cd\u09aa\u09a8\u09be<\/strong> \u2014 \u09ac\u09bf\u09b6\u09c7\u09b7\u09a4 \u09a8\u09a4\u09c1\u09a8 \u09ac\u09cd\u09af\u09ac\u09b8\u09be \u0993 \u09ac\u09a1\u09bc \u098b\u09a3\u09c7\u09b0 \u0995\u09cd\u09b7\u09c7\u09a4\u09cd\u09b0\u09c7 \u0985\u09a4\u09cd\u09af\u09a8\u09cd\u09a4 \u0997\u09c1\u09b0\u09c1\u09a4\u09cd\u09ac\u09aa\u09c2\u09b0\u09cd\u09a3<\/li>\n<\/ul>\n\n<div class=\"cg-callout\">\n  <div class=\"cg-callout-title\">\u09af\u09c7 \u098f\u0995\u099f\u09bf \u09ac\u09bf\u09b7\u09af\u09bc \u0985\u09a8\u09c1\u09ae\u09cb\u09a6\u09a8 \u0993 \u09aa\u09cd\u09b0\u09a4\u09cd\u09af\u09be\u0996\u09cd\u09af\u09be\u09a8\u09c7\u09b0 \u09ae\u09a7\u09cd\u09af\u09c7 \u09aa\u09be\u09b0\u09cd\u09a5\u0995\u09cd\u09af \u09a4\u09c8\u09b0\u09bf \u0995\u09b0\u09c7<\/div>\n  <p class=\"translation-block\">\u098f\u0995\u099f\u09bf \u09b8\u09c1\u09aa\u09cd\u09b0\u09b8\u09cd\u09a4\u09c1\u09a4 <strong data-no-auto-translation=\"\">\u09aa\u09cd\u09b0\u0995\u09b2\u09cd\u09aa \u09aa\u09cd\u09b0\u09a4\u09bf\u09ac\u09c7\u09a6\u09a8<\/strong> \u09b9\u09b2\u09cb \u09b8\u09bf\u099c\u09bf\u099f\u09bf\u098f\u09ae\u098f\u09b8\u0987-\u098f\u09b0 \u0986\u0993\u09a4\u09be\u09af\u09bc \u09b8\u09ac\u099a\u09c7\u09af\u09bc\u09c7 \u0997\u09c1\u09b0\u09c1\u09a4\u09cd\u09ac\u09aa\u09c2\u09b0\u09cd\u09a3 \u098f\u0995\u0995 \u09a8\u09bf\u09b0\u09cd\u09a7\u09be\u09b0\u0995 \u0989\u09aa\u09be\u09a6\u09be\u09a8\u0964 \u0997\u09cd\u09af\u09be\u09b0\u09be\u09a8\u09cd\u099f\u09bf \u09ac\u09cd\u09af\u09be\u0982\u0995\u09c7\u09b0 \u099c\u09a8\u09cd\u09af \u099c\u09be\u09ae\u09be\u09a8\u09a4\u09c7\u09b0 \u099d\u09c1\u0981\u0995\u09bf \u09a6\u09c2\u09b0 \u0995\u09b0\u09c7 \u2014 \u0995\u09bf\u09a8\u09cd\u09a4\u09c1 \u098b\u09a3\u09c7\u09b0 \u099d\u09c1\u0981\u0995\u09bf \u09a8\u09af\u09bc\u0964 \u09ac\u09cd\u09af\u09be\u0982\u0995\u0995\u09c7 \u098f\u0996\u09a8\u09cb \u09ac\u09bf\u09b6\u09cd\u09ac\u09be\u09b8 \u0995\u09b0\u09a4\u09c7 \u09b9\u09ac\u09c7 \u09af\u09c7 \u0986\u09aa\u09a8\u09be\u09b0 \u09ac\u09cd\u09af\u09ac\u09b8\u09be \u0995\u09be\u09b0\u09cd\u09af\u0995\u09b0\u0964 \u0986\u09aa\u09a8\u09be\u09b0 \u09aa\u09cd\u09b0\u0995\u09b2\u09cd\u09aa \u09aa\u09cd\u09b0\u09a4\u09bf\u09ac\u09c7\u09a6\u09a8\u09c7 \u09af\u09a5\u09c7\u09b7\u09cd\u099f \u09b8\u09ae\u09af\u09bc \u09a6\u09bf\u09a8\u0964 \u09ac\u09cd\u09af\u09be\u0982\u0995\u09c7\u09b0 \u098f\u09ae\u098f\u09b8\u098f\u09ae\u0987 \u09ac\u09bf\u09ad\u09be\u0997 \u09a5\u09c7\u0995\u09c7 \u09a4\u09be\u09a6\u09c7\u09b0 \u09ae\u09be\u09a8\u0995 \u099f\u09c7\u09ae\u09aa\u09cd\u09b2\u09c7\u099f \u099a\u09c7\u09af\u09bc\u09c7 \u09a8\u09bf\u09a8\u0964<\/p>\n<\/div>\n\n<h2>\u09b8\u09bf\u099c\u09bf\u099f\u09bf\u098f\u09ae\u098f\u09b8\u0987 \u09ac\u09a8\u09be\u09ae \u09b8\u09be\u09a7\u09be\u09b0\u09a3 \u098f\u09ae\u098f\u09b8\u098f\u09ae\u0987 \u098b\u09a3 \u2014 \u09ae\u09c2\u09b2 \u09aa\u09be\u09b0\u09cd\u09a5\u0995\u09cd\u09af\u09b8\u09ae\u09c2\u09b9<\/h2>\n\n<div class=\"cg-table-wrap\">\n<table class=\"cg-table\">\n  <thead>\n    <tr><th>\u09ac\u09c8\u09b6\u09bf\u09b7\u09cd\u099f\u09cd\u09af<\/th><th>\u09b8\u09be\u09a7\u09be\u09b0\u09a3 \u098f\u09ae\u098f\u09b8\u098f\u09ae\u0987 \u098b\u09a3<\/th><th>\u09b8\u09bf\u099c\u09bf\u099f\u09bf\u098f\u09ae\u098f\u09b8\u0987 \u098b\u09a3<\/th><\/tr>\n  <\/thead>\n  <tbody>\n    <tr><td>\u099c\u09be\u09ae\u09be\u09a8\u09a4\u09c7\u09b0 \u09aa\u09cd\u09b0\u09af\u09bc\u09cb\u099c\u09a8\u09c0\u09af\u09bc\u09a4\u09be<\/td><td>\u09b8\u09be\u09a7\u09be\u09b0\u09a3\u09a4 \u09b9\u09cd\u09af\u09be\u0981<\/td><td class=\"cg-no\">\u09a8\u09be<\/td><\/tr>\n    <tr><td>\u09a4\u09c3\u09a4\u09c0\u09af\u09bc \u09aa\u0995\u09cd\u09b7\u09c7\u09b0 \u099c\u09be\u09ae\u09bf\u09a8\u09a6\u09be\u09b0<\/td><td>\u09aa\u09cd\u09b0\u09be\u09af\u09bc\u09b6\u0987 \u09ac\u09be\u09a7\u09cd\u09af\u09a4\u09be\u09ae\u09c2\u09b2\u0995<\/td><td class=\"cg-no\">\u09aa\u09cd\u09b0\u09af\u09bc\u09cb\u099c\u09a8 \u09a8\u09c7\u0987<\/td><\/tr>\n    <tr><td>\u09b8\u09b0\u09cd\u09ac\u09cb\u099a\u09cd\u099a \u098b\u09a3\u09c7\u09b0 \u09aa\u09b0\u09bf\u09ae\u09be\u09a3<\/td><td>\u099c\u09be\u09ae\u09be\u09a8\u09a4\u09c7\u09b0 \u0989\u09aa\u09b0 \u09a8\u09bf\u09b0\u09cd\u09ad\u09b0\u09b6\u09c0\u09b2<\/td><td class=\"cg-yes\">\u09e7\u09e6 \u0995\u09cb\u099f\u09bf \u099f\u09be\u0995\u09be \u09aa\u09b0\u09cd\u09af\u09a8\u09cd\u09a4<\/td><\/tr>\n    <tr><td>\u09b8\u09b0\u0995\u09be\u09b0\u09bf \u09b8\u09b9\u09be\u09af\u09bc\u09a4\u09be<\/td><td>\u09a8\u09be<\/td><td class=\"cg-yes\">\u09ed\u09eb%\u2013\u09ee\u09eb% \u0997\u09cd\u09af\u09be\u09b0\u09be\u09a8\u09cd\u099f\u09bf<\/td><\/tr>\n    <tr><td>\u0989\u09a6\u09cd\u09af\u09ae \u09a8\u09bf\u09ac\u09a8\u09cd\u09a7\u09a8 \u09aa\u09cd\u09b0\u09af\u09bc\u09cb\u099c\u09a8<\/td><td>\u09ac\u09be\u099e\u09cd\u099b\u09a8\u09c0\u09af\u09bc<\/td><td class=\"cg-yes\">\u09ac\u09be\u09a7\u09cd\u09af\u09a4\u09be\u09ae\u09c2\u09b2\u0995<\/td><\/tr>\n    <tr><td>\u09b8\u09ac\u099a\u09c7\u09af\u09bc\u09c7 \u0989\u09aa\u09af\u09c1\u0995\u09cd\u09a4<\/td><td>\u09b8\u09ae\u09cd\u09aa\u09a6-\u09b8\u09ae\u09c3\u09a6\u09cd\u09a7 ( Asset Rich)  \u09ac\u09cd\u09af\u09ac\u09b8\u09be<\/td><td class=\"cg-yes\">\u09aa\u09cd\u09b0\u09a5\u09ae \u09aa\u09cd\u09b0\u099c\u09a8\u09cd\u09ae\u09c7\u09b0 \u0989\u09a6\u09cd\u09af\u09cb\u0995\u09cd\u09a4\u09be, \u09b8\u09ae\u09cd\u09aa\u09a6-\u09b8\u09cd\u09ac\u09b2\u09cd\u09aa \u098f\u09ae\u098f\u09b8\u098f\u09ae\u0987<\/td><\/tr>\n  <\/tbody>\n<\/table>\n<\/div>\n\n<!-- \u2550\u2550 IMAGE 3 \u2550\u2550\n     Happy_Customer.png \u2705\n     No text \u2014 same for Hindi, no swap needed\n     \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 -->\n<div class=\"cg-img-wrap\">\n  <img decoding=\"async\" src=\"https:\/\/msmegyan.in\/wp-content\/uploads\/2026\/04\/Happy-Customer.png\"\n       alt=\"Happy MSME business owner after successful collateral-free loan approval\"\n       loading=\"lazy\">\n  <div class=\"cg-img-caption\">\u09b8\u09bf\u099c\u09bf\u099f\u09bf\u098f\u09ae\u098f\u09b8\u0987 \u09e8\u09e6\u09e6\u09e6 \u09b8\u09be\u09b2 \u09a5\u09c7\u0995\u09c7 \u098f \u09aa\u09b0\u09cd\u09af\u09a8\u09cd\u09a4 \u09ec\u09eb \u09b2\u0995\u09cd\u09b7\u09c7\u09b0\u0993 \u09ac\u09c7\u09b6\u09bf \u099c\u09be\u09ae\u09be\u09a8\u09a4\u09ae\u09c1\u0995\u09cd\u09a4 \u09ac\u09cd\u09af\u09ac\u09b8\u09be\u09af\u09bc\u09bf\u0995 \u098b\u09a3 \u09ae\u099e\u09cd\u099c\u09c1\u09b0 \u09b8\u09ae\u09cd\u09ad\u09ac \u0995\u09b0\u09c7\u099b\u09c7, \u09af\u09be \u09ad\u09be\u09b0\u09a4\u09c7\u09b0 \u09aa\u09cd\u09b0\u09a4\u09bf\u099f\u09bf \u0996\u09be\u09a4 \u0993 \u09aa\u09cd\u09b0\u09a4\u09bf\u099f\u09bf \u09b0\u09be\u099c\u09cd\u09af\u09c7\u09b0 \u0989\u09a6\u09cd\u09af\u09cb\u0995\u09cd\u09a4\u09be\u09a6\u09c7\u09b0 \u09b8\u09ae\u09cd\u09aa\u09a6 \u09ac\u09a8\u09cd\u09a7\u0995 \u09a8\u09be \u09b0\u09c7\u0996\u09c7\u0987 \u09ac\u09cd\u09af\u09ac\u09b8\u09be \u09ac\u09c3\u09a6\u09cd\u09a7\u09bf \u0995\u09b0\u09a4\u09c7 \u09b8\u09b9\u09be\u09af\u09bc\u09a4\u09be \u0995\u09b0\u09c7\u099b\u09c7\u0964<\/div>\n<\/div>\n\n<h2>\u0995\u09cb\u09a8 \u0995\u09cb\u09a8 \u09ac\u09cd\u09af\u09be\u0982\u0995 \u09b8\u09bf\u099c\u09bf\u099f\u09bf\u098f\u09ae\u098f\u09b8\u0987 \u098b\u09a3 \u09aa\u09cd\u09b0\u09a6\u09be\u09a8 \u0995\u09b0\u09c7?<\/h2>\n\n<p class=\"translation-block\">\u09b8\u09bf\u099c\u09bf\u099f\u09bf\u098f\u09ae\u098f\u09b8\u0987-\u098f\u09b0 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class=\"cg-success\">\u0986\u09aa\u09a8\u09bf \u09b8\u09b0\u09be\u09b8\u09b0\u09bf \u09b8\u09bf\u099c\u09bf\u099f\u09bf\u098f\u09ae\u098f\u09b8\u0987-\u098f\u09b0 \u0995\u09be\u099b\u09c7 \u09af\u09be\u09ac\u09c7\u09a8 \u09a8\u09be\u0964 \u0986\u09aa\u09a8\u09bf \u09ac\u09cd\u09af\u09be\u0982\u0995\u09c7\u09b0 \u0995\u09be\u099b\u09c7 \u09af\u09be\u09ac\u09c7\u09a8\u0964 \u09ac\u09cd\u09af\u09be\u0982\u0995 \u0986\u09aa\u09a8\u09be\u09b0 \u09aa\u0995\u09cd\u09b7\u09c7 \u09b8\u09bf\u099c\u09bf\u099f\u09bf\u098f\u09ae\u098f\u09b8\u0987 \u09a8\u09bf\u09ac\u09a8\u09cd\u09a7\u09a8 \u09aa\u09b0\u09bf\u099a\u09be\u09b2\u09a8\u09be \u0995\u09b0\u09ac\u09c7 \u2014 \u0986\u09aa\u09a8\u09be\u0995\u09c7 \u0995\u09c7\u09ac\u09b2 \u098f\u099f\u09bf \u09ac\u09bf\u09b6\u09c7\u09b7\u09ad\u09be\u09ac\u09c7 \u099a\u09be\u0987\u09a4\u09c7 \u09b9\u09ac\u09c7\u0964<\/div>\n\n<h2>\u09b8\u09bf\u099c\u09bf\u099f\u09bf\u098f\u09ae\u098f\u09b8\u0987-\u098f\u09b0 \u0986\u0993\u09a4\u09be\u09af\u09bc \u0995\u09c0 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\u09b8\u09c7\u0995\u09c7\u09a8\u09cd\u09a1\u09c7 \u0986\u09aa\u09a8\u09be\u09b0 \u09b6\u09cd\u09b0\u09c7\u09a3\u09bf \u09a8\u09bf\u09b6\u09cd\u099a\u09bf\u09a4 \u0995\u09b0\u09c1\u09a8 \u098f\u09ac\u0982 \u0986\u09aa\u09a8\u09bf \u0986\u09b0 \u0995\u09cb\u09a8 \u0995\u09cb\u09a8 \u09aa\u09cd\u09b0\u0995\u09b2\u09cd\u09aa\u09c7\u09b0 \u099c\u09a8\u09cd\u09af \u09af\u09cb\u0997\u09cd\u09af, \u09af\u09c7\u09ae\u09a8 \u09ae\u09c1\u09a6\u09cd\u09b0\u09be \u098b\u09a3 \u09ac\u09be \u09aa\u09bf\u098f\u09ae\u0987\u099c\u09bf\u09aa\u09bf, \u09a4\u09be\u0993 \u099c\u09c7\u09a8\u09c7 \u09a8\u09bf\u09a8\u0964<\/div>\n  <a href=\"https:\/\/msmegyan.in\/bn\/calculator\/\" class=\"cg-cta-btn\">\u09ac\u09bf\u09a8\u09be\u09ae\u09c2\u09b2\u09cd\u09af\u09c7 \u0986\u09aa\u09a8\u09be\u09b0 \u098f\u09ae\u098f\u09b8\u098f\u09ae\u0987 \u09af\u09cb\u0997\u09cd\u09af\u09a4\u09be \u09af\u09be\u099a\u09be\u0987 \u0995\u09b0\u09c1\u09a8<\/a>\n  <div class=\"cg-cta-note\">\u09ac\u09bf\u09a8\u09be\u09ae\u09c2\u09b2\u09cd\u09af\u09c7, \u0995\u09cb\u09a8\u09cb \u09b2\u0997\u0987\u09a8 \u099b\u09be\u09a1\u09bc\u09be\u0987, \u09ec\u09e6 \u09b8\u09c7\u0995\u09c7\u09a8\u09cd\u09a1\u09c7 \u09ab\u09b2\u09be\u09ab\u09b2<\/div>\n<\/div>\n\n<div class=\"cg-sources translation-block\"><strong data-no-auto-translation=\"\">Sources:<\/strong> cgtmse.in Official Scheme Document (CGS-I, updated January 2025) \u00b7 SBI CGTMSE Scheme Page (sbi.co.in) \u00b7 PIB Press Release PRID:2098389 \u2014 Budget 2025 MSME announcements (1 February 2025) \u00b7 PIB Press Release PRID:2209712 \u2014 Ministry of MSME Year End Review 2025 \u00b7 Outlook Business \u2014 CGTMSE Delhi Partnership Report (October 2025) \u00b7 Bankopedia CGTMSE Complete Guide (March 2026)<br>\r\n  <em>This article is for informational purposes only. Loan approval is subject to individual lender assessment. For official scheme details, visit cgtmse.in.<\/em><\/div>\n\n<\/div>\n\n\n\n\n<p><\/p>","protected":false},"excerpt":{"rendered":"<p class=\"translation-block\">\u09ac\u09cd\u09af\u09be\u0982\u0995 \u099c\u09be\u09ae\u09be\u09a8\u09a4 \u09a8\u09be \u09a5\u09be\u0995\u09be\u09b0 \u0995\u09be\u09b0\u09a3\u09c7 \u0986\u09aa\u09a8\u09be\u09b0 \u0986\u09ac\u09c7\u09a6\u09a8 \u09aa\u09cd\u09b0\u09a4\u09cd\u09af\u09be\u0996\u09cd\u09af\u09be\u09a8 \u0995\u09b0\u09c7\u099b\u09c7\u0964 \u0995\u09bf\u09a8\u09cd\u09a4\u09c1 \u098f\u09b0 \u098f\u0995\u099f\u09bf \u09b8\u09b0\u0995\u09be\u09b0\u09bf \u09b8\u09ae\u09be\u09a7\u09be\u09a8 \u09b0\u09af\u09bc\u09c7\u099b\u09c7 \u09af\u09be \u0985\u09a7\u09bf\u0995\u09be\u0982\u09b6 \u098f\u09ae\u098f\u09b8\u098f\u09ae\u0987 \u09ae\u09be\u09b2\u09bf\u0995 \u0995\u0996\u09a8\u09cb \u099c\u09be\u09a8\u09a4\u09c7 \u09aa\u09be\u09b0\u09c7\u09a8 \u09a8\u09be\u0964 \u098f\u099f\u09bf\u09b0 \u09a8\u09be\u09ae 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\u09b8\u09c1\u09ac\u09bf\u09a7\u09be \u09a8\u09c7\u0993\u09af\u09bc\u09be \u09af\u09be\u09af\u09bc, \u09a4\u09be \u098f\u0996\u09be\u09a8\u09c7 \u09ac\u09bf\u09b8\u09cd\u09a4\u09be\u09b0\u09bf\u09a4 \u09ac\u09b2\u09be 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