{"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\/hi\/collateral-free-loan-under-msme-cgtmse-guide\/","title":{"rendered":"\u092e\u0941\u091d\u0947 \u0932\u094b\u0928 \u091a\u093e\u0939\u093f\u090f \u092a\u0930 \u0917\u093f\u0930\u0935\u0940 \u0930\u0916\u0928\u0947 \u0915\u094b \u0915\u0941\u091b \u0928\u0939\u0940\u0902 \u0939\u0948\u2026 \u0915\u094d\u092f\u093e \u0915\u094b\u0908 \u0930\u093e\u0938\u094d\u0924\u093e \u0939\u0948?"},"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-Hindi.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\">\u091c\u092c \u0906\u092a \u0909\u0938 \u092c\u0948\u0902\u0915 \u0938\u0947 \u092c\u093e\u0939\u0930 \u0928\u093f\u0915\u0932\u0924\u0947 \u0939\u0948\u0902 \u0924\u094b \u0906\u092a\u0915\u094b \u091c\u094b \u0915\u094b\u0908 \u0928\u0939\u0940\u0902 \u092c\u0924\u093e\u0924\u093e?<\/div>\n  <p class=\"translation-block\">\u092d\u093e\u0930\u0924 \u0938\u0930\u0915\u093e\u0930 \u0928\u0947 \u0920\u0940\u0915 \u0907\u0938\u0940 \u0938\u094d\u0925\u093f\u0924\u093f \u0915\u0947 \u0932\u093f\u090f \u090f\u0915 \u0916\u093e\u0938 \u0938\u092e\u093e\u0927\u093e\u0928 \u092c\u0928\u093e\u092f\u093e \u0925\u093e \u2014 25 \u0938\u093e\u0932 \u092a\u0939\u0932\u0947\u0964<\/p>\n  <p class=\"translation-block\">\u0907\u0938\u0947 CGTMSE \u0915\u0939\u0924\u0947 \u0939\u0948\u0902\u0964 \u0907\u0938\u0928\u0947 \u0938\u0928 2000 \u0938\u0947 \u0905\u092c \u0924\u0915 65 \u0932\u093e\u0916 \u0938\u0947 \u0905\u0927\u093f\u0915 \u092c\u093f\u0928\u093e \u0917\u093f\u0930\u0935\u0940 \u0935\u093e\u0932\u0947 \u0915\u0930\u094d\u091c\u093c \u0915\u094b \u0938\u0902\u092d\u0935 \u092c\u0928\u093e\u092f\u093e \u0939\u0948\u0964 \u0915\u0947\u0935\u0932 \u0935\u093f\u0924\u094d\u0924 \u0935\u0930\u094d\u0937 2025 \u092e\u0947\u0902, \u0907\u0938\u0928\u0947 \u092a\u0942\u0930\u0947 \u092d\u093e\u0930\u0924 \u092e\u0947\u0902 \u20b93.05 \u0932\u093e\u0916 \u0915\u0930\u094b\u0921\u093c \u0915\u0947 \u0935\u094d\u092f\u093e\u0935\u0938\u093e\u092f\u093f\u0915 \u0915\u0930\u094d\u091c\u093c \u0915\u0940 \u0917\u093e\u0930\u0902\u091f\u0940 \u0926\u0940\u0964<\/p>\n  <p>\u091c\u093c\u094d\u092f\u093e\u0926\u093e\u0924\u0930 MSME \u092e\u093e\u0932\u093f\u0915 \u091c\u093f\u0928\u094d\u0939\u0947\u0902 \u0907\u0938\u0915\u0940 \u0938\u092c\u0938\u0947 \u091c\u093c\u094d\u092f\u093e\u0926\u093e \u091c\u093c\u0930\u0942\u0930\u0924 \u0939\u0948, \u0909\u0928\u094d\u0939\u094b\u0902\u0928\u0947 \u0907\u0938\u0915\u0947 \u092c\u093e\u0930\u0947 \u092e\u0947\u0902 \u0915\u092d\u0940 \u0928\u0939\u0940\u0902 \u0938\u0941\u0928\u093e\u0964 \u092f\u0939 \u0917\u093e\u0907\u0921 \u0909\u0938\u0947 \u092c\u0926\u0932\u0924\u0940 \u0939\u0948\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\">\u20b910 Cr<\/div>\n    <div class=\"cg-stat-label\">\u0905\u0927\u093f\u0915\u0924\u092e \u092c\u093f\u0928\u093e \u0917\u093f\u0930\u0935\u0940 \u0935\u093e\u0932\u093e \u0915\u0930\u094d\u091c\u093c \u2014 \u092c\u091c\u091f 2025 \u092e\u0947\u0902 \u0926\u094b\u0917\u0941\u0928\u093e \u0915\u093f\u092f\u093e \u0917\u092f\u093e\u0964<\/div>\n  <\/div>\n  <div class=\"cg-stat\">\n    <div class=\"cg-stat-num\">276<\/div>\n    <div class=\"cg-stat-label\">\u092a\u0942\u0930\u0947 \u092d\u093e\u0930\u0924 \u092e\u0947\u0902 \u092c\u0948\u0902\u0915 \u0914\u0930 NBFC \u092d\u093e\u0917 \u0932\u0947 \u0930\u0939\u0947 \u0939\u0948\u0902\u0964<\/div>\n  <\/div>\n  <div class=\"cg-stat\">\n    <div class=\"cg-stat-num\">65 Lakh+<\/div>\n    <div class=\"cg-stat-label\">\u0938\u0928 2000 \u0938\u0947 \u0905\u092c \u0924\u0915 \u092c\u093f\u0928\u093e \u0917\u093f\u0930\u0935\u0940 \u0935\u093e\u0932\u0947 \u0915\u0930\u094d\u091c\u093c \u0916\u093e\u0924\u0947 \u0938\u0915\u094d\u0930\u093f\u092f \u0915\u093f\u090f \u0917\u090f\u0964<\/div>\n  <\/div>\n<\/div>\n\n<h2>\u0935\u0939 \u0930\u093e\u0938\u094d\u0924\u093e: CGTMSE \u0915\u094d\u092f\u093e \u0939\u0948?<\/h2>\n\n<p class=\"translation-block\">CGTMSE \u0915\u093e \u092a\u0942\u0930\u093e \u0928\u093e\u092e \u0939\u0948 Credit Guarantee Fund Trust for Micro and Small Enterprises\u0964<\/p>\n\n<p class=\"translation-block\">\u0907\u0938\u0947 1 \u0905\u0917\u0938\u094d\u0924 2000 \u0915\u094b \u0932\u0949\u0928\u094d\u091a \u0915\u093f\u092f\u093e \u0917\u092f\u093e \u0925\u093e \u2014 \u092f\u0939 Ministry of MSME, \u092d\u093e\u0930\u0924 \u0938\u0930\u0915\u093e\u0930 \u0914\u0930 SIDBI (Small Industries Development Bank of India) \u0915\u0940 \u090f\u0915 \u0938\u0902\u092f\u0941\u0915\u094d\u0924 \u092a\u0939\u0932 \u0939\u0948\u0964<\/p>\n\n<p>\u090f\u0915 \u0935\u093e\u0915\u094d\u092f \u092e\u0947\u0902 \u092e\u0942\u0932 \u0935\u093f\u091a\u093e\u0930:<\/p>\n\n<div class=\"cg-answer\">\n  <div class=\"cg-answer-icon\">\ud83d\udca1<\/div>\n  CGTMSE \u092c\u0948\u0902\u0915 \u0938\u0947 \u0915\u0939\u0924\u093e \u0939\u0948: \"\u0905\u0917\u0930 \u092f\u0939 \u0909\u0927\u093e\u0930\u0915\u0930\u094d\u0924\u093e \u091a\u0942\u0915 \u0915\u0930\u0924\u093e \u0939\u0948 \u0924\u094b \u0939\u092e \u0906\u092a\u0915\u0947 75\u201385% \u091c\u094b\u0916\u093f\u092e \u0915\u094b \u0915\u0935\u0930 \u0915\u0930\u0947\u0902\u0917\u0947\u0964\" \u092c\u0948\u0902\u0915 \u0915\u094b \u0905\u092c \u0906\u092a\u0915\u0940 \u0938\u0902\u092a\u0924\u094d\u0924\u093f \u0915\u0940 \u091c\u093c\u0930\u0942\u0930\u0924 \u0928\u0939\u0940\u0902 \u0930\u0939\u0924\u0940\u0964 \u0935\u0939 \u092c\u093f\u0928\u093e \u0917\u093f\u0930\u0935\u0940 \u0915\u0947 \u0915\u0930\u094d\u091c\u093c \u0926\u0947\u0924\u093e \u0939\u0948\u0964\n<\/div>\n\n<p>\u0906\u092a \u0915\u092d\u0940 \u092d\u0940 \u0938\u0940\u0927\u0947 CGTMSE \u0938\u0947 \u0928\u0939\u0940\u0902 \u092e\u093f\u0932\u0924\u0947\u0964 \u0906\u092a \u092c\u0948\u0902\u0915 \u0915\u0947 \u092a\u093e\u0938 \u091c\u093e\u0924\u0947 \u0939\u0948\u0902\u0964 \u092c\u0948\u0902\u0915 \u0917\u093e\u0930\u0902\u091f\u0940 \u0915\u093e \u0915\u093e\u092e \u0938\u0902\u092d\u093e\u0932\u0924\u093e \u0939\u0948\u0964 \u0906\u092a\u0915\u094b \u0915\u0930\u094d\u091c\u093c \u092e\u093f\u0932 \u091c\u093e\u0924\u093e \u0939\u0948\u0964<\/p>\n\n<div class=\"cg-quote\">\n  &#8220;The scheme provides guarantee cover for sanction of collateral free loans to entrepreneurs by Banks and Financial Institutions.&#8221;\n  <cite>Source: SBI CGTMSE Scheme Page \u00b7 cgtmse.in Official Scheme Document<\/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\/CGTMSE-Loan-Hindi.png\"\n       alt=\"CGTMSE bank evaluation \u2014 business viability approved, property value not a factor\"\n       loading=\"lazy\">\n  <div class=\"cg-img-caption\">CGTMSE \u0915\u0947 \u0924\u0939\u0924, \u092c\u0948\u0902\u0915 \u0906\u092a\u0915\u0940 \u0938\u0902\u092a\u0924\u094d\u0924\u093f \u0915\u0947 \u092e\u0942\u0932\u094d\u092f \u0915\u0940 \u0928\u0939\u0940\u0902 \u2014 \u0906\u092a\u0915\u0947 \u0935\u094d\u092f\u0935\u0938\u093e\u092f \u0915\u0940 \u0935\u094d\u092f\u0935\u0939\u093e\u0930\u094d\u092f\u0924\u093e \u0915\u093e \u092e\u0942\u0932\u094d\u092f\u093e\u0902\u0915\u0928 \u0915\u0930\u0924\u093e \u0939\u0948\u0964 \u0915\u094b\u0908 \u0938\u0902\u092a\u0924\u094d\u0924\u093f \u0917\u093f\u0930\u0935\u0940 \u0930\u0916\u0928\u0947 \u0915\u0940 \u091c\u093c\u0930\u0942\u0930\u0924 \u0928\u0939\u0940\u0902\u0964<\/div>\n<\/div>\n\n<h2>CGTMSE \u0935\u093e\u0938\u094d\u0924\u0935 \u092e\u0947\u0902 \u0915\u0948\u0938\u0947 \u0915\u093e\u092e \u0915\u0930\u0924\u093e \u0939\u0948 \u2014 \u091a\u0930\u0923 \u0926\u0930 \u091a\u0930\u0923<\/h2>\n\n<p>CGTMSE \u0915\u094b \u090f\u0915 \u0936\u093e\u0902\u0924, \u0938\u0930\u0915\u093e\u0930 \u0938\u092e\u0930\u094d\u0925\u093f\u0924 \u091c\u093c\u092e\u093e\u0928\u0924\u0926\u093e\u0930 \u0915\u0947 \u0930\u0942\u092a \u092e\u0947\u0902 \u0938\u094b\u091a\u0947\u0902 \u091c\u094b \u0906\u092a\u0938\u0947 \u0915\u092d\u0940 \u0915\u0941\u091b \u0928\u0939\u0940\u0902 \u092e\u093e\u0902\u0917\u0924\u093e \u2014 \u0932\u0947\u0915\u093f\u0928 \u092c\u0948\u0902\u0915 \u0915\u094b \u0939\u093e\u0901 \u0915\u0939\u0928\u0947 \u0915\u093e \u092a\u0942\u0930\u093e \u092d\u0930\u094b\u0938\u093e \u0926\u0947\u0924\u093e \u0939\u0948\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\">\u0906\u092a \u090f\u0915 \u0938\u0926\u0938\u094d\u092f \u090b\u0923 \u0938\u0902\u0938\u094d\u0925\u093e\u0928 (MLI) \u0915\u0947 \u092a\u093e\u0938 \u091c\u093e\u0924\u0947 \u0939\u0948\u0902\u0964<\/div>\n      <p class=\"cg-flow-text translation-block\">CGTMSE \u0915\u0947 \u0938\u093e\u0925 \u092a\u0902\u091c\u0940\u0915\u0943\u0924 276 \u092c\u0948\u0902\u0915\u094b\u0902 \u0914\u0930 NBFCs \u092e\u0947\u0902 \u0938\u0947 \u0915\u093f\u0938\u0940 \u092e\u0947\u0902 \u092d\u0940 \u091c\u093e\u090f\u0902 \u2014 SBI, HDFC Bank, PNB, Bank of Baroda, Canara Bank, ICICI Bank, \u0914\u0930 \u0938\u0948\u0915\u0921\u093c\u094b\u0902 \u0905\u0928\u094d\u092f\u0964 \u0935\u093f\u0936\u0947\u0937 \u0930\u0942\u092a \u0938\u0947 CGTMSE-\u0938\u092e\u0930\u094d\u0925\u093f\u0924 \u0915\u0930\u094d\u091c\u093c \u0915\u0947 \u0932\u093f\u090f \u092a\u0942\u091b\u0947\u0902\u0964<\/p>\n      <span class=\"cg-flow-tag\">\u0906\u092a\u0915\u093e \u092a\u0939\u0932\u093e \u0915\u0926\u092e<\/span>\n    <\/div>\n  <\/div>\n\n  <div class=\"cg-flow-step\">\n    <div class=\"cg-flow-left\">\n      <div class=\"cg-flow-circle\">2<\/div>\n      <div class=\"cg-flow-line\"><\/div>\n    <\/div>\n    <div class=\"cg-flow-body\">\n      <div class=\"cg-flow-title\">\u092c\u0948\u0902\u0915 \u0906\u092a\u0915\u0947 \u0935\u094d\u092f\u0935\u0938\u093e\u092f \u0915\u093e \u092e\u0942\u0932\u094d\u092f\u093e\u0902\u0915\u0928 \u0915\u0930\u0924\u093e \u0939\u0948 \u2014 \u0906\u092a\u0915\u0940 \u0938\u0902\u092a\u0924\u094d\u0924\u093f \u0915\u093e \u0928\u0939\u0940\u0902\u0964<\/div>\n      <p class=\"cg-flow-text translation-block\">\u090b\u0923\u0926\u093e\u0924\u093e \u0906\u092a\u0915\u0940 \u0935\u094d\u092f\u0935\u0938\u093e\u092f \u0935\u094d\u092f\u0935\u0939\u093e\u0930\u094d\u092f\u0924\u093e, \u0928\u0915\u0926 \u092a\u094d\u0930\u0935\u093e\u0939, \u092a\u0941\u0928\u0930\u094d\u092d\u0941\u0917\u0924\u093e\u0928 \u0915\u094d\u0937\u092e\u0924\u093e, \u092a\u0930\u093f\u092f\u094b\u091c\u0928\u093e \u0930\u093f\u092a\u094b\u0930\u094d\u091f \u0914\u0930 \u0909\u0926\u094d\u092f\u092e \u092a\u0902\u091c\u0940\u0915\u0930\u0923 \u0915\u093e \u092e\u0942\u0932\u094d\u092f\u093e\u0902\u0915\u0928 \u0915\u0930\u0924\u093e \u0939\u0948\u0964 \u0915\u094b\u0908 \u0917\u093f\u0930\u0935\u0940 \u0928\u0939\u0940\u0902 \u0930\u0916\u0940 \u091c\u093e\u0924\u0940\u0964 \u092e\u0942\u0932\u094d\u092f\u093e\u0902\u0915\u0928 \u092a\u0942\u0930\u0940 \u0924\u0930\u0939 \u0938\u0947 \u092f\u094b\u0917\u094d\u092f\u0924\u093e \u0915\u0947 \u0906\u0927\u093e\u0930 \u092a\u0930 \u0939\u094b\u0924\u093e \u0939\u0948\u0964<\/p>\n      <span class=\"cg-flow-tag\">\u092c\u0948\u0902\u0915 \u0915\u093e \u0915\u093e\u092e<\/span>\n    <\/div>\n  <\/div>\n\n  <div class=\"cg-flow-step\">\n    <div class=\"cg-flow-left\">\n      <div class=\"cg-flow-circle\">3<\/div>\n      <div class=\"cg-flow-line\"><\/div>\n    <\/div>\n    <div class=\"cg-flow-body\">\n      <div class=\"cg-flow-title\">\u092c\u0948\u0902\u0915 \u0906\u092a\u0915\u0947 \u0915\u0930\u094d\u091c\u093c \u0915\u094b CGTMSE \u0915\u0947 \u0938\u093e\u0925 \u092a\u0902\u091c\u0940\u0915\u0943\u0924 \u0915\u0930\u0924\u093e \u0939\u0948\u0964<\/div>\n      <p class=\"cg-flow-text\">\u092e\u0902\u091c\u093c\u0942\u0930\u0940 \u0915\u0947 \u092c\u093e\u0926, \u092c\u0948\u0902\u0915 \u0915\u0930\u094d\u091c\u093c \u0915\u094b \u092a\u0902\u091c\u0940\u0915\u0943\u0924 \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f CGTMSE \u0915\u094b \u090f\u0915 \u0935\u093e\u0930\u094d\u0937\u093f\u0915 \u0917\u093e\u0930\u0902\u091f\u0940 \u0936\u0941\u0932\u094d\u0915 (AGF) \u0926\u0947\u0924\u093e \u0939\u0948\u0964 \u092f\u0939 \u0936\u0941\u0932\u094d\u0915 \u092c\u0948\u0902\u0915 \u0926\u094d\u0935\u093e\u0930\u093e \u092d\u0941\u0917\u0924\u093e\u0928 \u0915\u093f\u092f\u093e \u091c\u093e\u0924\u093e \u0939\u0948 \u2014 \u0939\u093e\u0932\u093e\u0902\u0915\u093f \u0915\u0941\u091b \u092c\u0948\u0902\u0915 \u0907\u0938\u0947 \u0915\u0930\u094d\u091c\u093c \u0915\u0940 \u0932\u093e\u0917\u0924 \u092e\u0947\u0902 \u0936\u093e\u092e\u093f\u0932 \u0915\u0930 \u0932\u0947\u0924\u0947 \u0939\u0948\u0902\u0964<\/p>\n      <span class=\"cg-flow-tag\">\u092a\u0930\u094d\u0926\u0947 \u0915\u0947 \u092a\u0940\u091b\u0947<\/span>\n    <\/div>\n  <\/div>\n\n  <div class=\"cg-flow-step\">\n    <div class=\"cg-flow-left\">\n      <div class=\"cg-flow-circle\">4<\/div>\n      <div class=\"cg-flow-line\"><\/div>\n    <\/div>\n    <div class=\"cg-flow-body\">\n      <div class=\"cg-flow-title\">CGTMSE \u0915\u0930\u094d\u091c\u093c \u0915\u093e 75%\u201385% \u0917\u093e\u0930\u0902\u091f\u0940 \u0926\u0947\u0924\u093e \u0939\u0948\u0964<\/div>\n      <p class=\"cg-flow-text\">\u0917\u093e\u0930\u0902\u091f\u0940 \u0915\u0930\u094d\u091c\u093c \u0915\u0940 \u092a\u0942\u0930\u0940 \u0905\u0935\u0927\u093f \u0924\u0915 \u091a\u0932\u0924\u0940 \u0939\u0948\u0964 \u092f\u0926\u093f \u0906\u092a \u0924\u092f \u0938\u092e\u091d\u094c\u0924\u0947 \u0915\u0947 \u0905\u0928\u0941\u0938\u093e\u0930 \u092d\u0941\u0917\u0924\u093e\u0928 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902, \u0924\u094b \u0917\u093e\u0930\u0902\u091f\u0940 \u0915\u092d\u0940 \u0932\u093e\u0917\u0942 \u0928\u0939\u0940\u0902 \u0939\u094b\u0924\u0940 \u2014 \u092f\u0939 \u092c\u0938 \u092c\u0948\u0902\u0915 \u0915\u0947 \u0932\u093f\u090f \u090f\u0915 \u0938\u0941\u0930\u0915\u094d\u0937\u093e \u091c\u093e\u0932 \u0915\u0947 \u0930\u0942\u092a \u092e\u0947\u0902 \u092e\u094c\u091c\u0942\u0926 \u0930\u0939\u0924\u0940 \u0939\u0948\u0964<\/p>\n      <span class=\"cg-flow-tag\">\u0917\u093e\u0930\u0902\u091f\u0940<\/span>\n    <\/div>\n  <\/div>\n\n  <div class=\"cg-flow-step\">\n    <div class=\"cg-flow-left\">\n      <div class=\"cg-flow-circle\">5<\/div>\n    <\/div>\n    <div class=\"cg-flow-body\">\n      <div class=\"cg-flow-title\">\u0915\u0930\u094d\u091c\u093c \u0935\u093f\u0924\u0930\u093f\u0924 \u2014 \u0936\u0942\u0928\u094d\u092f \u0917\u093f\u0930\u0935\u0940 \u0930\u0916\u0940 \u0917\u0908\u0964<\/div>\n      <p class=\"cg-flow-text\">\u0915\u094b\u0908 \u091c\u093c\u092e\u0940\u0928 \u0928\u0939\u0940\u0902\u0964 \u0915\u094b\u0908 \u0907\u092e\u093e\u0930\u0924 \u0928\u0939\u0940\u0902\u0964 \u0915\u094b\u0908 \u0938\u094b\u0928\u093e \u0928\u0939\u0940\u0902\u0964 \u0915\u094b\u0908 \u0938\u093e\u0935\u0927\u093f \u091c\u092e\u093e \u0928\u0939\u0940\u0902\u0964 \u0915\u094b\u0908 \u0935\u094d\u092f\u0915\u094d\u0924\u093f\u0917\u0924 \u091c\u093c\u092e\u093e\u0928\u0924\u0926\u093e\u0930 \u0928\u0939\u0940\u0902\u0964 \u092c\u0938 \u0906\u092a\u0915\u0940 \u0935\u094d\u092f\u0935\u0938\u093e\u092f \u092f\u094b\u091c\u0928\u093e, \u0906\u092a\u0915\u093e \u0909\u0926\u094d\u092f\u092e \u092a\u0902\u091c\u0940\u0915\u0930\u0923, \u0914\u0930 \u0906\u092a\u0915\u0940 \u092a\u0941\u0928\u0930\u094d\u092d\u0941\u0917\u0924\u093e\u0928 \u092a\u094d\u0930\u0924\u093f\u092c\u0926\u094d\u0927\u0924\u093e\u0964<\/p>\n      <span class=\"cg-flow-tag\">\u0906\u092a\u0915\u094b \u0915\u0930\u094d\u091c\u093c \u092e\u093f\u0932 \u091c\u093e\u0924\u093e \u0939\u0948\u0964<\/span>\n    <\/div>\n  <\/div>\n\n<\/div>\n\n<div class=\"cg-success\">\u2705 \u092a\u0942\u0930\u0940 \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e \u0906\u092a\u0915\u0947 \u092c\u0948\u0902\u0915 \u0915\u0947 \u092e\u093e\u0927\u094d\u092f\u092e \u0938\u0947 \u0939\u094b\u0924\u0940 \u0939\u0948\u0964 \u0906\u092a \u0915\u093f\u0938\u0940 \u092d\u0940 \u091a\u0930\u0923 \u092e\u0947\u0902 \u0938\u0940\u0927\u0947 CGTMSE \u0938\u0947 \u0915\u092d\u0940 \u0928\u0939\u0940\u0902 \u092e\u093f\u0932\u0924\u0947 \u092f\u093e \u0938\u0902\u092a\u0930\u094d\u0915 \u0928\u0939\u0940\u0902 \u0915\u0930\u0924\u0947\u0964<\/div>\n\n<h2>\u0906\u092a \u092c\u093f\u0928\u093e \u0917\u093f\u0930\u0935\u0940 \u0915\u0947 \u0915\u093f\u0924\u0928\u093e \u0915\u0930\u094d\u091c\u093c \u092a\u093e \u0938\u0915\u0924\u0947 \u0939\u0948\u0902?<\/h2>\n\n<p class=\"translation-block\">\u0915\u0947\u0902\u0926\u094d\u0930\u0940\u092f \u092c\u091c\u091f 2025-26, \u091c\u094b \u0935\u093f\u0924\u094d\u0924 \u092e\u0902\u0924\u094d\u0930\u0940 \u0928\u093f\u0930\u094d\u092e\u0932\u093e \u0938\u0940\u0924\u093e\u0930\u092e\u0923 \u0926\u094d\u0935\u093e\u0930\u093e 1 \u092b\u0930\u0935\u0930\u0940 2025 \u0915\u094b \u092a\u094d\u0930\u0938\u094d\u0924\u0941\u0924 \u0915\u093f\u092f\u093e \u0917\u092f\u093e, \u0928\u0947 CGTMSE \u0917\u093e\u0930\u0902\u091f\u0940 \u0938\u0940\u092e\u093e \u0915\u094b \u20b95 \u0915\u0930\u094b\u0921\u093c \u0938\u0947 \u092c\u0922\u093c\u093e\u0915\u0930 \u20b910 \u0915\u0930\u094b\u0921\u093c \u0915\u0930 \u0926\u093f\u092f\u093e \u2014 \u091c\u094b 1 \u0905\u092a\u094d\u0930\u0948\u0932 2025 \u0938\u0947 \u092a\u094d\u0930\u092d\u093e\u0935\u0940 \u0939\u0948\u0964<\/p>\n\n<div class=\"cg-numbers\">\n  <div class=\"cg-numbers-title\">\u092c\u091c\u091f 2025 \u2014 CGTMSE \u0915\u0947 \u0932\u093f\u090f \u0915\u094d\u092f\u093e \u092c\u0926\u0932\u093e<\/div>\n  <div class=\"cg-numbers-grid\">\n    <div class=\"cg-num-item\">\n      <div class=\"cg-num-val\">\u20b95 Cr \u2192 \u20b910 Cr<\/div>\n      <div class=\"cg-num-desc\">\u0938\u0942\u0915\u094d\u0937\u094d\u092e \u0914\u0930 \u0932\u0918\u0941 \u0909\u0926\u094d\u092f\u092e\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u0905\u0927\u093f\u0915\u0924\u092e \u092c\u093f\u0928\u093e \u0917\u093f\u0930\u0935\u0940 \u0935\u093e\u0932\u093e \u0915\u0930\u094d\u091c\u093c \u0926\u094b\u0917\u0941\u0928\u093e \u0915\u093f\u092f\u093e \u0917\u092f\u093e\u0964<\/div>\n    <\/div>\n    <div class=\"cg-num-item\">\n      <div class=\"cg-num-val\">\u20b91.5 Lakh Cr<\/div>\n      <div class=\"cg-num-desc\">\u0905\u0917\u0932\u0947 \u092a\u093e\u0901\u091a \u0935\u0930\u094d\u0937\u094b\u0902 \u092e\u0947\u0902 MSMEs \u0915\u0947 \u0932\u093f\u090f \u0905\u0928\u0941\u092e\u093e\u0928\u093f\u0924 \u0905\u0924\u093f\u0930\u093f\u0915\u094d\u0924 \u090b\u0923 \u0909\u092a\u0932\u092c\u094d\u0927 \u0915\u0930\u093e\u092f\u093e \u091c\u093e\u090f\u0917\u093e\u0964<\/div>\n    <\/div>\n    <div class=\"cg-num-item\">\n      <div class=\"cg-num-val\">1 April 2025<\/div>\n      <div class=\"cg-num-desc\">\u0938\u0902\u0936\u094b\u0927\u093f\u0924 \u20b910 \u0915\u0930\u094b\u0921\u093c \u0938\u0940\u092e\u093e \u0915\u0940 \u092a\u094d\u0930\u092d\u093e\u0935\u0940 \u0924\u093f\u0925\u093f\u0964<\/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\">\u0938\u094d\u091f\u093e\u0930\u094d\u091f\u0905\u092a \u0915\u0947 \u0932\u093f\u090f \u0917\u093e\u0930\u0902\u091f\u0940 \u0915\u0935\u0930 \u092d\u0940 \u0926\u094b\u0917\u0941\u0928\u093e \u0915\u093f\u092f\u093e \u0917\u092f\u093e, \u0938\u093e\u0925 \u0939\u0940 1% \u0915\u093e \u0928\u094d\u092f\u0942\u0928\u0924\u092e \u0936\u0941\u0932\u094d\u0915\u0964<\/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>\u0915\u0930\u094d\u091c\u093c \u0915\u093e \u092a\u094d\u0930\u0915\u093e\u0930<\/th>\n      <th>\u0905\u0927\u093f\u0915\u0924\u092e \u0915\u0935\u0930<\/th>\n      <th>\u0917\u093f\u0930\u0935\u0940 \u0915\u0940 \u091c\u093c\u0930\u0942\u0930\u0924 \u0939\u0948?<\/th>\n    <\/tr>\n  <\/thead>\n  <tbody>\n    <tr><td>\u0905\u0935\u0927\u093f \u0915\u0930\u094d\u091c\u093c<\/td><td>\u20b910 \u0915\u0930\u094b\u0921\u093c \u0924\u0915<\/td><td class=\"cg-no\">\u0928\u0939\u0940\u0902<\/td><\/tr>\n    <tr><td>\u0915\u093e\u0930\u094d\u092f\u0936\u0940\u0932 \u092a\u0942\u0902\u091c\u0940<\/td><td>\u20b910 \u0915\u0930\u094b\u0921\u093c \u0924\u0915<\/td><td class=\"cg-no\">\u0928\u0939\u0940\u0902<\/td><\/tr>\n    <tr><td>\u0938\u0902\u092f\u0941\u0915\u094d\u0924 \u0915\u0930\u094d\u091c\u093c<\/td><td>\u20b910 \u0915\u0930\u094b\u0921\u093c \u0924\u0915<\/td><td class=\"cg-no\">\u0928\u0939\u0940\u0902<\/td><\/tr>\n    <tr><td>\u0939\u093e\u0907\u092c\u094d\u0930\u093f\u0921 \u0938\u0941\u0930\u0915\u094d\u0937\u093e (\u0906\u0902\u0936\u093f\u0915)<\/td><td>\u0905\u0938\u0941\u0930\u0915\u094d\u0937\u093f\u0924 \u0939\u093f\u0938\u094d\u0938\u093e \u20b910 \u0915\u0930\u094b\u0921\u093c \u0924\u0915<\/td><td>\u0915\u0947\u0935\u0932 \u0906\u0902\u0936\u093f\u0915<\/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>\u0915\u094c\u0928 \u092a\u093e\u0924\u094d\u0930 \u0939\u0948?<\/h2>\n\n<div class=\"cg-two-col\">\n  <div class=\"cg-col-card green\">\n    <h4>\u2705 \u0906\u092a \u092a\u093e\u0924\u094d\u0930 \u0939\u0948\u0902 \u092f\u0926\u093f \u0906\u092a \u0939\u0948\u0902<\/h4>\n    <ul>\n      <li>\u090f\u0915 \u0928\u092f\u093e \u092f\u093e \u092e\u094c\u091c\u0942\u0926\u093e \u0938\u0942\u0915\u094d\u0937\u094d\u092e \u092f\u093e \u0932\u0918\u0941 \u0909\u0926\u094d\u092f\u092e<\/li>\n      <li>\u0935\u093f\u0928\u093f\u0930\u094d\u092e\u093e\u0923, \u0935\u094d\u092f\u093e\u092a\u093e\u0930, \u092f\u093e \u0938\u0947\u0935\u093e\u0913\u0902 \u092e\u0947\u0902<\/li>\n      <li>\u0909\u0926\u094d\u092f\u092e \u092a\u094b\u0930\u094d\u091f\u0932 \u092a\u0930 \u092a\u0902\u091c\u0940\u0915\u0943\u0924 (\u0905\u0928\u093f\u0935\u093e\u0930\u094d\u092f)<\/li>\n      <li>\u090f\u0915 \u0938\u094d\u0935\u093e\u092e\u093f\u0924\u094d\u0935, \u0938\u093e\u091d\u0947\u0926\u093e\u0930\u0940, LLP, \u092f\u093e \u092a\u094d\u0930\u093e\u0907\u0935\u0947\u091f\/\u092a\u092c\u094d\u0932\u093f\u0915 \u0932\u093f\u092e\u093f\u091f\u0947\u0921 \u0915\u0902\u092a\u0928\u0940<\/li>\n      <li>\u090b\u0923\u0926\u093e\u0924\u093e \u0926\u094d\u0935\u093e\u0930\u093e \u0935\u094d\u092f\u0935\u0939\u093e\u0930\u094d\u092f \u092e\u0942\u0932\u094d\u092f\u093e\u0902\u0915\u0928 \u0915\u093f\u092f\u093e \u0917\u092f\u093e \u0939\u094b<\/li>\n      <li>\u0915\u093f\u0938\u0940 \u092d\u0940 \u092e\u094c\u091c\u0942\u0926\u093e \u092c\u0948\u0902\u0915 \u091a\u0942\u0915 \u092f\u093e NPA \u0938\u0947 \u092e\u0941\u0915\u094d\u0924<\/li>\n    <\/ul>\n  <\/div>\n  <div class=\"cg-col-card red\">\n    <h4>\u274c \u0906\u092a \u092a\u093e\u0924\u094d\u0930 \u0928\u0939\u0940\u0902 \u0939\u0948\u0902 \u092f\u0926\u093f<\/h4>\n    <ul>\n      <li>\u0906\u092a\u0915\u093e \u0935\u094d\u092f\u0935\u0938\u093e\u092f \u0915\u0943\u0937\u093f \u092f\u093e \u0938\u0902\u092c\u0926\u094d\u0927 \u0917\u0924\u093f\u0935\u093f\u0927\u093f\u092f\u094b\u0902 \u092e\u0947\u0902 \u0939\u0948<\/li>\n      <li>\u0906\u092a \u090f\u0915 \u0938\u094d\u0935-\u0938\u0939\u093e\u092f\u0924\u093e \u0938\u092e\u0942\u0939 (SHG) \u0939\u0948\u0902<\/li>\n      <li>\u0906\u092a \u090f\u0915 \u0936\u0948\u0915\u094d\u0937\u0923\u093f\u0915 \u092f\u093e \u092a\u094d\u0930\u0936\u093f\u0915\u094d\u0937\u0923 \u0938\u0902\u0938\u094d\u0925\u093e \u091a\u0932\u093e\u0924\u0947 \u0939\u0948\u0902<\/li>\n      <li>\u0906\u092a\u0915\u0947 \u092a\u093e\u0938 \u0915\u093f\u0938\u0940 \u092d\u0940 \u092c\u0948\u0902\u0915 \u0915\u0947 \u0938\u093e\u0925 \u092e\u094c\u091c\u0942\u0926\u093e NPA \u0939\u0948<\/li>\n      <li>\u0906\u092a\u0915\u093e \u0915\u0930\u094d\u091c\u093c \u0915\u093f\u0938\u0940 \u0905\u0928\u094d\u092f \u0938\u0930\u0915\u093e\u0930\u0940 \u0917\u093e\u0930\u0902\u091f\u0940 \u0926\u094d\u0935\u093e\u0930\u093e \u0915\u0935\u0930 \u0915\u093f\u092f\u093e \u0917\u092f\u093e \u0939\u0948<\/li>\n      <li>\u0906\u092a\u0915\u093e \u0909\u0926\u094d\u092f\u092e \u090f\u0915 \u092e\u0927\u094d\u092f\u092e \u0909\u0926\u094d\u092f\u092e \u0939\u0948<\/li>\n    <\/ul>\n  <\/div>\n<\/div>\n\n<div class=\"cg-callout\">\n  <div class=\"cg-callout-title\">\u26a0\ufe0f \u090f\u0915 \u092e\u0939\u0924\u094d\u0935\u092a\u0942\u0930\u094d\u0923 \u092c\u093e\u0924 \u091c\u094b \u0915\u0908 \u0906\u0935\u0947\u0926\u0915 \u091a\u0942\u0915 \u091c\u093e\u0924\u0947 \u0939\u0948\u0902<\/div>\n  <p class=\"translation-block\">CGTMSE \u0915\u0947\u0935\u0932 \u0938\u0942\u0915\u094d\u0937\u094d\u092e \u0914\u0930 \u0932\u0918\u0941 \u0909\u0926\u094d\u092f\u092e\u094b\u0902 \u0915\u094b \u0915\u0935\u0930 \u0915\u0930\u0924\u093e \u0939\u0948 \u2014 \u092e\u0927\u094d\u092f\u092e \u0909\u0926\u094d\u092f\u092e\u094b\u0902 \u0915\u094b \u0928\u0939\u0940\u0902\u0964 \u0905\u092a\u094d\u0930\u0948\u0932 2025 \u0915\u0940 \u0938\u0902\u0936\u094b\u0927\u093f\u0924 \u0935\u0930\u094d\u0917\u0940\u0915\u0930\u0923 \u0938\u0940\u092e\u093e\u0913\u0902 \u0915\u0947 \u0924\u0939\u0924, \u0932\u0918\u0941 \u0909\u0926\u094d\u092f\u092e \u0915\u0947 \u0930\u0942\u092a \u092e\u0947\u0902 \u092f\u094b\u0917\u094d\u092f \u0939\u094b\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0906\u092a\u0915\u0947 \u0909\u0926\u094d\u092f\u092e \u0915\u093e \u0928\u093f\u0935\u0947\u0936 \u20b925 \u0915\u0930\u094b\u0921\u093c \u0924\u0915 \u0914\u0930 \u0915\u093e\u0930\u094b\u092c\u093e\u0930 \u20b9100 \u0915\u0930\u094b\u0921\u093c \u0924\u0915 \u0939\u094b\u0928\u093e \u091a\u093e\u0939\u093f\u090f\u0964 \u0907\u0938\u0938\u0947 \u0905\u0927\u093f\u0915 \u0939\u094b\u0928\u0947 \u092a\u0930 \u0906\u092a \u092e\u0927\u094d\u092f\u092e \u0936\u094d\u0930\u0947\u0923\u0940 \u092e\u0947\u0902 \u0906\u0924\u0947 \u0939\u0948\u0902 \u2014 \u0914\u0930 CGTMSE \u0932\u093e\u0917\u0942 \u0928\u0939\u0940\u0902 \u0939\u094b\u0924\u093e\u0964<\/p>\n  <p class=\"translation-block\">\u092a\u0939\u0932\u0947 \u0905\u092a\u0928\u0940 \u0936\u094d\u0930\u0947\u0923\u0940 \u091c\u093e\u0902\u091a\u0947\u0902: <a href=\"https:\/\/msmegyan.in\/hi\/calculator\/\" target=\"_self\">\u0939\u092e\u093e\u0930\u0947 \u092e\u0941\u092b\u094d\u0924 \u092a\u093e\u0924\u094d\u0930\u0924\u093e \u0915\u0948\u0932\u0915\u0941\u0932\u0947\u091f\u0930 \u0915\u093e \u0909\u092a\u092f\u094b\u0917 \u0915\u0930\u0947\u0902 \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\">\u0909\u0926\u094d\u092f\u092e \u092a\u0902\u091c\u0940\u0915\u0930\u0923 \u0935\u0939 \u090f\u0915\u092e\u093e\u0924\u094d\u0930 \u0905\u0928\u093f\u0935\u093e\u0930\u094d\u092f \u092a\u0942\u0930\u094d\u0935\u0936\u0930\u094d\u0924 \u0939\u0948 \u091c\u093f\u0938\u0915\u0947 \u092c\u093f\u0928\u093e \u092c\u0948\u0902\u0915 \u0906\u092a\u0915\u0947 \u0915\u0930\u094d\u091c\u093c \u0915\u094b CGTMSE \u0915\u0947 \u0924\u0939\u0924 \u092a\u0902\u091c\u0940\u0915\u0943\u0924 \u0928\u0939\u0940\u0902 \u0915\u0930 \u0938\u0915\u0924\u093e \u2014 \u0907\u0938\u0915\u0947 \u092c\u093f\u0928\u093e \u092c\u093f\u0928\u093e \u0917\u093f\u0930\u0935\u0940 \u0915\u0940 \u092e\u0902\u091c\u093c\u0942\u0930\u0940 \u0938\u0902\u092d\u0935 \u0928\u0939\u0940\u0902 \u0939\u0948\u0964<\/div>\n<\/div>\n\n<h2>\u0915\u093f\u0938\u0940 \u092d\u0940 \u092c\u0948\u0902\u0915 \u0915\u0947 \u092a\u093e\u0938 \u091c\u093e\u0928\u0947 \u0938\u0947 \u092a\u0939\u0932\u0947 \u0906\u092a\u0915\u094b \u090f\u0915 \u0915\u093e\u092e \u091c\u093c\u0930\u0942\u0930 \u0915\u0930\u0928\u093e \u0939\u094b\u0917\u093e\u0964<\/h2>\n\n<div class=\"cg-warning\">\n  <div class=\"cg-warning-title\">\u092f\u0939 \u092a\u0939\u0932\u0947 \u0915\u0930\u0947\u0902 \u2014 \u0915\u093f\u0938\u0940 \u092d\u0940 \u092c\u0948\u0902\u0915 \u092e\u0947\u0902 \u091c\u093e\u0928\u0947 \u0938\u0947 \u092a\u0939\u0932\u0947<\/div>\n  <p class=\"translation-block\">CGTMSE \u0917\u093e\u0930\u0902\u091f\u0940 \u0915\u0935\u0930 \u0915\u0947 \u0932\u093f\u090f \u0909\u0926\u094d\u092f\u092e \u092a\u0902\u091c\u0940\u0915\u0930\u0923 \u0905\u0928\u093f\u0935\u093e\u0930\u094d\u092f \u0939\u0948\u0964 \u090f\u0915 \u0935\u0948\u0927 \u0909\u0926\u094d\u092f\u092e \u092a\u0902\u091c\u0940\u0915\u0930\u0923 \u0938\u0902\u0916\u094d\u092f\u093e (URN) \u0915\u0947 \u092c\u093f\u0928\u093e, \u092c\u0948\u0902\u0915 \u0906\u092a\u0915\u0947 \u0915\u0930\u094d\u091c\u093c \u0915\u094b CGTMSE \u0915\u0947 \u0938\u093e\u0925 \u092a\u0902\u091c\u0940\u0915\u0943\u0924 \u0928\u0939\u0940\u0902 \u0915\u0930 \u0938\u0915\u0924\u093e \u2014 \u0907\u0938\u0915\u093e \u092e\u0924\u0932\u092c \u0939\u0948 \u0915\u093f \u092c\u093f\u0928\u093e \u0917\u093f\u0930\u0935\u0940 \u0915\u0940 \u0917\u093e\u0930\u0902\u091f\u0940 \u0932\u093e\u0917\u0942 \u0928\u0939\u0940\u0902 \u0939\u094b \u0938\u0915\u0924\u0940, \u0914\u0930 \u092c\u0948\u0902\u0915 \u0938\u094d\u0935\u093e\u092d\u093e\u0935\u093f\u0915 \u0930\u0942\u092a \u0938\u0947 \u0917\u093f\u0930\u0935\u0940 \u092e\u093e\u0901\u0917\u0947\u0917\u093e\u0964<\/p>\n  <p class=\"translation-block\">\u0909\u0926\u094d\u092f\u092e \u092a\u0902\u091c\u0940\u0915\u0930\u0923 \u092a\u0942\u0930\u0940 \u0924\u0930\u0939 \u0938\u0947 \u092e\u0941\u092b\u094d\u0924 \u0939\u0948 \u0914\u0930 udyamregistration.gov.in \u092a\u0930 10 \u092e\u093f\u0928\u091f \u092e\u0947\u0902 \u0939\u094b \u091c\u093e\u0924\u093e \u0939\u0948\u0964<\/p>\n  <p>\u0905\u092d\u0940 \u0924\u0915 \u0909\u0926\u094d\u092f\u092e \u092a\u0902\u091c\u0940\u0915\u0930\u0923 \u0928\u0939\u0940\u0902 \u0939\u0941\u0906? \u092a\u0922\u093c\u0947\u0902: <a href=\"https:\/\/msmegyan.in\/hi\/is-udyam-registration-free-zero-cost-msme-registration\/\">Is Udyam Registration Really Free? Complete Guide 2025 \u2192<\/a><\/p>\n<\/div>\n\n<h2>\u0917\u093e\u0930\u0902\u091f\u0940 \u0915\u0935\u0930\u0947\u091c \u2014 CGTMSE \u0915\u093f\u0924\u0928\u0947 \u092a\u094d\u0930\u0924\u093f\u0936\u0924 \u0915\u094b \u0915\u0935\u0930 \u0915\u0930\u0924\u093e \u0939\u0948?<\/h2>\n\n<p>CGTMSE \u0915\u0930\u094d\u091c\u093c \u0915\u093e 100% \u0917\u093e\u0930\u0902\u091f\u0940 \u0928\u0939\u0940\u0902 \u0926\u0947\u0924\u093e \u2014 \u092f\u0939 \u090f\u0915 \u092c\u0921\u093c\u0947 \u0939\u093f\u0938\u094d\u0938\u0947 \u0915\u094b \u0915\u0935\u0930 \u0915\u0930\u0924\u093e \u0939\u0948, \u091c\u094b \u092c\u0948\u0902\u0915 \u0915\u0947 \u0932\u093f\u090f \u092c\u093f\u0928\u093e \u0917\u093f\u0930\u0935\u0940 \u0915\u0947 \u0915\u0930\u094d\u091c\u093c \u0926\u0947\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u092a\u0930\u094d\u092f\u093e\u092a\u094d\u0924 \u0939\u0948\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\">\u092e\u0939\u093f\u0932\u093e \u0909\u0926\u094d\u092f\u092e\u0940 \u00b7 SC\/ST \u0909\u0927\u093e\u0930\u0915\u0930\u094d\u0924\u093e \u00b7 \u20b95 \u0932\u093e\u0916 \u0924\u0915 \u0915\u0947 \u0938\u0942\u0915\u094d\u0937\u094d\u092e \u0915\u0930\u094d\u091c\u093c<\/div>\n  <\/div>\n  <div class=\"cg-cov-card\">\n    <div class=\"cg-cov-pct\">75%<\/div>\n    <div class=\"cg-cov-label\">\u0905\u0928\u094d\u092f \u0938\u092d\u0940 \u0938\u0942\u0915\u094d\u0937\u094d\u092e \u0914\u0930 \u0932\u0918\u0941 \u0909\u0926\u094d\u092f\u092e (\u0938\u093e\u092e\u093e\u0928\u094d\u092f \u0936\u094d\u0930\u0947\u0923\u0940)<\/div>\n  <\/div>\n  <div class=\"cg-cov-card\">\n    <div class=\"cg-cov-pct\">90%<\/div>\n    <div class=\"cg-cov-label\">RBI \u0926\u094d\u0935\u093e\u0930\u093e \u091a\u093f\u0939\u094d\u0928\u093f\u0924 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0915\u0940 \u0915\u092e\u0940 \u0935\u093e\u0932\u0947 \u091c\u093f\u0932\u094b\u0902 \u092e\u0947\u0902 \u0909\u0926\u094d\u092f\u092e<\/div>\n  <\/div>\n  <div class=\"cg-cov-card\">\n    <div class=\"cg-cov-pct\">10%<\/div>\n    <div class=\"cg-cov-label\">ZED-\u092a\u094d\u0930\u092e\u093e\u0923\u093f\u0924 \u0907\u0915\u093e\u0907\u092f\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u0935\u093e\u0930\u094d\u0937\u093f\u0915 \u0917\u093e\u0930\u0902\u091f\u0940 \u0936\u0941\u0932\u094d\u0915 \u092a\u0930 \u091b\u0942\u091f<\/div>\n  <\/div>\n<\/div>\n\n<p class=\"translation-block\">\u0938\u0930\u0932 \u092d\u093e\u0937\u093e \u092e\u0947\u0902 \u0907\u0938\u0915\u093e \u0905\u0930\u094d\u0925: \u092f\u0926\u093f \u0906\u092a \u20b920 \u0932\u093e\u0916 \u0909\u0927\u093e\u0930 \u0932\u0947\u0924\u0947 \u0939\u0948\u0902 \u0914\u0930 \u0915\u0935\u0930\u0947\u091c 75% \u0939\u0948, \u0924\u094b CGTMSE \u092c\u0948\u0902\u0915 \u0915\u094b \u20b915 \u0932\u093e\u0916 \u0915\u0940 \u0917\u093e\u0930\u0902\u091f\u0940 \u0926\u0947\u0924\u093e \u0939\u0948\u0964 \u092f\u0926\u093f \u0906\u092a \u091a\u0942\u0915 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902, \u0924\u094b \u092c\u0948\u0902\u0915 CGTMSE \u0938\u0947 \u20b915 \u0932\u093e\u0916 \u0915\u093e \u0926\u093e\u0935\u093e \u0915\u0930\u0924\u093e \u0939\u0948\u0964 \u0936\u0947\u0937 \u20b95 \u0932\u093e\u0916 \u092c\u0948\u0902\u0915 \u0915\u093e \u0905\u092a\u0928\u093e \u091c\u094b\u0916\u093f\u092e \u0939\u0948 \u2014 \u0907\u0938\u0940\u0932\u093f\u090f \u092c\u0948\u0902\u0915 \u092b\u093f\u0930 \u092d\u0940 \u0906\u092a\u0915\u0947 \u0935\u094d\u092f\u0935\u0938\u093e\u092f \u0915\u093e \u0938\u093e\u0935\u0927\u093e\u0928\u0940\u092a\u0942\u0930\u094d\u0935\u0915 \u092e\u0942\u0932\u094d\u092f\u093e\u0902\u0915\u0928 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902\u0964 \u092f\u0939 \u0917\u093e\u0930\u0902\u091f\u0940 \u0938\u0902\u092a\u093e\u0930\u094d\u0936\u094d\u0935\u093f\u0915 (\u0915\u094b\u0932\u0948\u091f\u0930\u0932) \u0915\u0940 \u0906\u0935\u0936\u094d\u092f\u0915\u0924\u093e \u0915\u094b \u0939\u091f\u093e\u0924\u0940 \u0939\u0948, \u0928 \u0915\u093f \u090b\u0923 \u091c\u093e\u0902\u091a \u0915\u094b\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>\u091b\u0941\u092a\u093e \u0939\u0941\u0906 \u0935\u093f\u0915\u0932\u094d\u092a \u2014 \u0939\u093e\u0907\u092c\u094d\u0930\u093f\u0921 \u0938\u0941\u0930\u0915\u094d\u0937\u093e \u092e\u0949\u0921\u0932<\/h2>\n\n<div class=\"cg-hybrid\">\n  <div class=\"cg-hybrid-label\">\u0915\u092e-\u091c\u094d\u091e\u093e\u0924 \u0935\u093f\u0936\u0947\u0937\u0924\u093e \u2014 2018 \u092e\u0947\u0902 \u092a\u094d\u0930\u0938\u094d\u0924\u0941\u0924<\/div>\n  <div class=\"cg-hybrid-title\">Have some collateral but not enough for the full loan?<\/div>\n  <p style=\"font-size:15px;color:#444;margin-bottom:16px;\" class=\"translation-block\">\u0906\u092a\u0915\u094b \u092a\u0942\u0930\u094d\u0923 \u0938\u0902\u092a\u093e\u0930\u094d\u0936\u094d\u0935\u093f\u0915 \u0914\u0930 \u092c\u093f\u0928\u093e \u0938\u0902\u092a\u093e\u0930\u094d\u0936\u094d\u0935\u093f\u0915 \u0915\u0947 \u092c\u0940\u091a \u091a\u0941\u0928\u093e\u0935 \u0928\u0939\u0940\u0902 \u0915\u0930\u0928\u093e \u0939\u0948\u0964 \u0939\u093e\u0907\u092c\u094d\u0930\u093f\u0921 \u0938\u0941\u0930\u0915\u094d\u0937\u093e \u092e\u0949\u0921\u0932 \u0915\u0947 \u0924\u0939\u0924 \u2014 \u0906\u092a \u091c\u094b \u092d\u0940 \u0906\u0902\u0936\u093f\u0915 \u0938\u0902\u092a\u093e\u0930\u094d\u0936\u094d\u0935\u093f\u0915 \u0906\u092a\u0915\u0947 \u092a\u093e\u0938 \u0939\u0948 \u0935\u0939 \u0917\u093f\u0930\u0935\u0940 \u0930\u0916\u0924\u0947 \u0939\u0948\u0902, \u0914\u0930 CGTMSE \u20b910 \u0915\u0930\u094b\u0921\u093c \u0924\u0915 \u0915\u0947 \u0905\u0938\u0941\u0930\u0915\u094d\u0937\u093f\u0924 \u0936\u0947\u0937 \u092d\u093e\u0917 \u0915\u094b \u0915\u0935\u0930 \u0915\u0930\u0924\u093e \u0939\u0948\u0964<\/p>\n  <p style=\"font-size:14px;color:#666;margin-bottom:14px;\">\u0909\u0926\u093e\u0939\u0930\u0923: \u0906\u092a\u0915\u094b \u20b930 \u0932\u093e\u0916 \u0915\u0940 \u0906\u0935\u0936\u094d\u092f\u0915\u0924\u093e \u0939\u0948\u0964 \u0906\u092a\u0915\u0947 \u092a\u093e\u0938 \u20b98 \u0932\u093e\u0916 \u092e\u0942\u0932\u094d\u092f \u0915\u0947 \u0909\u092a\u0915\u0930\u0923 \u0939\u0948\u0902\u0964<\/p>\n  <div class=\"cg-hybrid-row\">\n    <div class=\"cg-hybrid-seg partial\">\u20b98 Lakh<span>\u0906\u092a\u0915\u093e \u0906\u0902\u0936\u093f\u0915 \u0938\u0902\u092a\u093e\u0930\u094d\u0936\u094d\u0935\u093f\u0915 \u092c\u0948\u0902\u0915 \u0915\u094b \u0917\u093f\u0930\u0935\u0940 \u0930\u0916\u093e \u0917\u092f\u093e<\/span><\/div>\n    <div class=\"cg-hybrid-seg covered\">\u20b922 Lakh<span>CGTMSE \u0917\u093e\u0930\u0902\u091f\u0940 \u0926\u094d\u0935\u093e\u0930\u093e \u0915\u0935\u0930 \u2014 \u0915\u094b\u0908 \u0905\u0924\u093f\u0930\u093f\u0915\u094d\u0924 \u0938\u0941\u0930\u0915\u094d\u0937\u093e \u0906\u0935\u0936\u094d\u092f\u0915 \u0928\u0939\u0940\u0902<\/span><\/div>\n  <\/div>\n  <p style=\"font-size:14px;color:#555;margin:14px 0 0;\">\u0915\u0941\u0932 \u090b\u0923 = \u20b930 \u0932\u093e\u0916\u0964 \u0915\u0941\u0932 \u0905\u0924\u093f\u0930\u093f\u0915\u094d\u0924 \u0938\u0902\u092a\u093e\u0930\u094d\u0936\u094d\u0935\u093f\u0915 \u0906\u0935\u0936\u094d\u092f\u0915 = \u20b90\u0964<\/p>\n<\/div>\n\n<span class=\"cg-source\">\ud83d\udccb SBI CGTMSE Scheme Page \u00b7 cgtmse.in Hybrid Security Model documentation<\/span>\n\n<h2>\u0935\u093e\u0930\u094d\u0937\u093f\u0915 \u0917\u093e\u0930\u0902\u091f\u0940 \u0936\u0941\u0932\u094d\u0915 \u2014 \u0907\u0938\u0915\u0940 \u0932\u093e\u0917\u0924 \u0915\u094d\u092f\u093e \u0939\u0948?<\/h2>\n\n<p class=\"translation-block\">\u090f\u0915 \u0935\u093e\u0930\u094d\u0937\u093f\u0915 \u0917\u093e\u0930\u0902\u091f\u0940 \u0936\u0941\u0932\u094d\u0915 (AGF) \u090b\u0923 \u0926\u0947\u0928\u0947 \u0935\u093e\u0932\u0940 \u0938\u0902\u0938\u094d\u0925\u093e \u0938\u0947 \u0932\u093f\u092f\u093e \u091c\u093e\u0924\u093e \u0939\u0948 \u2014 \u0938\u0940\u0927\u0947 \u0906\u092a\u0938\u0947 \u0928\u0939\u0940\u0902\u0964 \u092c\u0948\u0902\u0915 CGTMSE \u0915\u094b \u092d\u0941\u0917\u0924\u093e\u0928 \u0915\u0930\u0924\u093e \u0939\u0948\u0964 \u0915\u0908 \u092c\u0948\u0902\u0915 \u0907\u0938\u0947 \u090b\u0923 \u0932\u093e\u0917\u0924 \u092e\u0947\u0902 \u0936\u093e\u092e\u093f\u0932 \u0915\u0930 \u0932\u0947\u0924\u0947 \u0939\u0948\u0902\u0964 1 \u0905\u092a\u094d\u0930\u0948\u0932 2025 \u0938\u0947 \u092a\u094d\u0930\u092d\u093e\u0935\u0940:<\/p>\n\n<div class=\"cg-table-wrap\">\n<table class=\"cg-table\">\n  <thead>\n    <tr><th>\u090b\u0923 \u0930\u093e\u0936\u093f<\/th><th>\u0935\u093e\u0930\u094d\u0937\u093f\u0915 \u0917\u093e\u0930\u0902\u091f\u0940 \u0936\u0941\u0932\u094d\u0915<\/th><th>\u0915\u094c\u0928 \u092d\u0941\u0917\u0924\u093e\u0928 \u0915\u0930\u0924\u093e \u0939\u0948<\/th><\/tr>\n  <\/thead>\n  <tbody>\n    <tr><td>\u20b910 \u0932\u093e\u0916 \u0924\u0915<\/td><td>0.37% \u092a\u094d\u0930\u0924\u093f \u0935\u0930\u094d\u0937<\/td><td>\u092c\u0948\u0902\u0915 (\u0906\u0917\u0947 \u092a\u093e\u0930\u093f\u0924 \u0915\u0930 \u0938\u0915\u0924\u093e \u0939\u0948)<\/td><\/tr>\n    <tr><td>\u20b910 \u0932\u093e\u0916 \u2013 \u20b91 \u0915\u0930\u094b\u0921\u093c<\/td><td>\u0915\u094d\u0930\u092e\u093f\u0915 \u0926\u0930\u0947\u0902<\/td><td>\u092c\u0948\u0902\u0915 (\u0906\u0917\u0947 \u092a\u093e\u0930\u093f\u0924 \u0915\u0930 \u0938\u0915\u0924\u093e \u0939\u0948)<\/td><\/tr>\n    <tr><td>\u20b98 \u0915\u0930\u094b\u0921\u093c \u2013 \u20b910 \u0915\u0930\u094b\u0921\u093c<\/td><td>1.20% \u092a\u094d\u0930\u0924\u093f \u0935\u0930\u094d\u0937<\/td><td>\u092c\u0948\u0902\u0915 (\u0906\u0917\u0947 \u092a\u093e\u0930\u093f\u0924 \u0915\u0930 \u0938\u0915\u0924\u093e \u0939\u0948)<\/td><\/tr>\n  <\/tbody>\n<\/table>\n<\/div>\n\n<p class=\"translation-block\">ZED \u092a\u094d\u0930\u092e\u093e\u0923\u093f\u0924 \u0907\u0915\u093e\u0907\u092f\u094b\u0902 \u0915\u094b \u0932\u093e\u0917\u0942 \u0936\u0941\u0932\u094d\u0915 \u092a\u0930 10% \u0915\u0940 \u091b\u0942\u091f \u092e\u093f\u0932\u0924\u0940 \u0939\u0948\u0964 \u0905\u0927\u093f\u0938\u0942\u091a\u093f\u0924 \u0915\u094d\u0937\u0947\u0924\u094d\u0930\u094b\u0902 \u0915\u0940 \u0907\u0915\u093e\u0907\u092f\u094b\u0902 \u0915\u094b \u092d\u0940 \u0930\u093f\u092f\u093e\u092f\u0924\u0947\u0902 \u092e\u093f\u0932\u0924\u0940 \u0939\u0948\u0902\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>\u0906\u0935\u0936\u094d\u092f\u0915 \u0926\u0938\u094d\u0924\u093e\u0935\u0947\u091c\u093c \u2014 \u092c\u0948\u0902\u0915 \u092e\u0947\u0902 \u0915\u094d\u092f\u093e \u0932\u0947\u0915\u0930 \u091c\u093e\u090f\u0902<\/h2>\n\n<ul>\n  <li class=\"translation-block\">\u0909\u0926\u094d\u092f\u092e \u092a\u0902\u091c\u0940\u0915\u0930\u0923 \u092a\u094d\u0930\u092e\u093e\u0923\u092a\u0924\u094d\u0930 \u2014 \u0905\u0928\u093f\u0935\u093e\u0930\u094d\u092f, \u0905\u092a\u0930\u093f\u0939\u093e\u0930\u094d\u092f<\/li>\n  <li class=\"translation-block\">KYC \u0926\u0938\u094d\u0924\u093e\u0935\u0947\u091c\u093c \u2014 \u0938\u094d\u0935\u093e\u092e\u0940 \/ \u0938\u093e\u091d\u0947\u0926\u093e\u0930\u094b\u0902 \/ \u0928\u093f\u0926\u0947\u0936\u0915\u094b\u0902 \u0915\u093e \u0906\u0927\u093e\u0930, \u092a\u0948\u0928<\/li>\n  <li class=\"translation-block\">\u0935\u094d\u092f\u0935\u0938\u093e\u092f \u092a\u0902\u091c\u0940\u0915\u0930\u0923 \u092a\u094d\u0930\u092e\u093e\u0923 \u2014 \u0928\u093f\u0917\u092e\u0928 \u092a\u094d\u0930\u092e\u093e\u0923\u092a\u0924\u094d\u0930, \u0938\u093e\u091d\u0947\u0926\u093e\u0930\u0940 \u0935\u093f\u0932\u0947\u0916, \u0906\u0926\u093f<\/li>\n  <li class=\"translation-block\">\u092c\u0948\u0902\u0915 \u0935\u093f\u0935\u0930\u0923 \u2014 \u092a\u093f\u091b\u0932\u0947 6\u201312 \u092e\u0939\u0940\u0928\u0947<\/li>\n  <li class=\"translation-block\">\u0906\u092f\u0915\u0930 \u0930\u093f\u091f\u0930\u094d\u0928 \u2014 \u092a\u093f\u091b\u0932\u0947 2\u20133 \u0935\u0930\u094d\u0937 (\u092f\u0926\u093f \u0926\u093e\u0916\u093f\u0932 \u0915\u093f\u090f \u0917\u090f \u0939\u094b\u0902)<\/li>\n  <li class=\"translation-block\">GST \u0930\u093f\u091f\u0930\u094d\u0928 \u2014 \u092f\u0926\u093f GST \u092a\u0902\u091c\u0940\u0915\u0943\u0924 \u0939\u0948\u0902<\/li>\n  <li class=\"translation-block\">\u092a\u0930\u093f\u092f\u094b\u091c\u0928\u093e \u0930\u093f\u092a\u094b\u0930\u094d\u091f \/ \u0935\u094d\u092f\u0935\u0938\u093e\u092f \u092f\u094b\u091c\u0928\u093e \u2014 \u0935\u093f\u0936\u0947\u0937 \u0930\u0942\u092a \u0938\u0947 \u0928\u090f \u0935\u094d\u092f\u0935\u0938\u093e\u092f\u094b\u0902 \u0914\u0930 \u092c\u0921\u093c\u0940 \u0930\u093e\u0936\u093f\u092f\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u0905\u0924\u094d\u092f\u0902\u0924 \u092e\u0939\u0924\u094d\u0935\u092a\u0942\u0930\u094d\u0923<\/li>\n<\/ul>\n\n<div class=\"cg-callout\">\n  <div class=\"cg-callout-title\">\ud83d\udca1 \u0935\u0939 \u090f\u0915 \u091a\u0940\u091c\u093c \u091c\u094b \u0938\u094d\u0935\u0940\u0915\u0943\u0924\u093f\u092f\u094b\u0902 \u0915\u094b \u0905\u0938\u094d\u0935\u0940\u0915\u0943\u0924\u093f\u092f\u094b\u0902 \u0938\u0947 \u0905\u0932\u0917 \u0915\u0930\u0924\u0940 \u0939\u0948<\/div>\n  <p class=\"translation-block\">\u090f\u0915 \u0905\u091a\u094d\u091b\u0940 \u0924\u0930\u0939 \u0938\u0947 \u0924\u0948\u092f\u093e\u0930 \u0915\u0940 \u0917\u0908 \u092a\u0930\u093f\u092f\u094b\u091c\u0928\u093e \u0930\u093f\u092a\u094b\u0930\u094d\u091f CGTMSE \u0915\u0947 \u0924\u0939\u0924 \u0938\u092c\u0938\u0947 \u092c\u0921\u093c\u093e \u090f\u0915\u0932 \u0915\u093e\u0930\u0915 \u0939\u0948\u0964 \u0917\u093e\u0930\u0902\u091f\u0940 \u092c\u0948\u0902\u0915 \u0915\u0947 \u0932\u093f\u090f \u0938\u0902\u092a\u093e\u0930\u094d\u0936\u094d\u0935\u093f\u0915 \u091c\u094b\u0916\u093f\u092e \u0915\u094b \u0939\u091f\u093e\u0924\u0940 \u0939\u0948 \u2014 \u0932\u0947\u0915\u093f\u0928 \u090b\u0923 \u091c\u094b\u0916\u093f\u092e \u0915\u094b \u0928\u0939\u0940\u0902\u0964 \u092c\u0948\u0902\u0915 \u0915\u094b \u092b\u093f\u0930 \u092d\u0940 \u092f\u0939 \u0935\u093f\u0936\u094d\u0935\u093e\u0938 \u0915\u0930\u0928\u093e \u0939\u094b\u0917\u093e \u0915\u093f \u0906\u092a\u0915\u093e \u0935\u094d\u092f\u0935\u0938\u093e\u092f \u0935\u094d\u092f\u0935\u0939\u093e\u0930\u094d\u092f \u0939\u0948\u0964 \u0905\u092a\u0928\u0940 \u092a\u0930\u093f\u092f\u094b\u091c\u0928\u093e \u0930\u093f\u092a\u094b\u0930\u094d\u091f \u092a\u0930 \u0935\u093e\u0938\u094d\u0924\u0935\u093f\u0915 \u0938\u092e\u092f \u0932\u0917\u093e\u090f\u0902\u0964 \u092c\u0948\u0902\u0915 \u0915\u0947 MSME \u0921\u0947\u0938\u094d\u0915 \u0938\u0947 \u0909\u0928\u0915\u093e \u092e\u093e\u0928\u0915 \u091f\u0947\u092e\u094d\u092a\u0932\u0947\u091f \u092e\u093e\u0902\u0917\u0947\u0902\u0964<\/p>\n<\/div>\n\n<h2>CGTMSE \u092c\u0928\u093e\u092e \u0928\u093f\u092f\u092e\u093f\u0924 MSME \u090b\u0923 \u2014 \u092e\u0941\u0916\u094d\u092f \u0905\u0902\u0924\u0930<\/h2>\n\n<div class=\"cg-table-wrap\">\n<table class=\"cg-table\">\n  <thead>\n    <tr><th>\u0935\u093f\u0936\u0947\u0937\u0924\u093e<\/th><th>\u0928\u093f\u092f\u092e\u093f\u0924 MSME \u090b\u0923<\/th><th>CGTMSE \u090b\u0923<\/th><\/tr>\n  <\/thead>\n  <tbody>\n    <tr><td>\u0938\u0902\u092a\u093e\u0930\u094d\u0936\u094d\u0935\u093f\u0915 \u0906\u0935\u0936\u094d\u092f\u0915<\/td><td>\u0938\u093e\u092e\u093e\u0928\u094d\u092f\u0924\u0903 \u0939\u093e\u0901<\/td><td class=\"cg-no\">\u0928\u0939\u0940\u0902<\/td><\/tr>\n    <tr><td>\u0924\u0943\u0924\u0940\u092f-\u092a\u0915\u094d\u0937 \u0917\u093e\u0930\u0902\u091f\u0930<\/td><td>\u0905\u0915\u094d\u0938\u0930 \u0906\u0935\u0936\u094d\u092f\u0915<\/td><td class=\"cg-no\">\u0906\u0935\u0936\u094d\u092f\u0915 \u0928\u0939\u0940\u0902<\/td><\/tr>\n    <tr><td>\u0905\u0927\u093f\u0915\u0924\u092e \u0932\u094b\u0928<\/td><td>\u0938\u0902\u092a\u093e\u0930\u094d\u0936\u094d\u0935\u093f\u0915 \u092a\u0930 \u0928\u093f\u0930\u094d\u092d\u0930<\/td><td class=\"cg-yes\">\u20b910 \u0915\u0930\u094b\u0921\u093c \u0924\u0915<\/td><\/tr>\n    <tr><td>\u0938\u0930\u0915\u093e\u0930\u0940 \u0938\u092e\u0930\u094d\u0925\u0928<\/td><td>\u0915\u094b\u0908 \u0928\u0939\u0940\u0902<\/td><td class=\"cg-yes\">75%\u201385% \u0917\u093e\u0930\u0902\u091f\u0940<\/td><\/tr>\n    <tr><td>\u0909\u0926\u094d\u092f\u092e \u092a\u0902\u091c\u0940\u0915\u0930\u0923 \u0906\u0935\u0936\u094d\u092f\u0915<\/td><td>\u0905\u0928\u0941\u0936\u0902\u0938\u093f\u0924<\/td><td class=\"cg-yes\">**\u0905\u0928\u093f\u0935\u093e\u0930\u094d\u092f**<\/td><\/tr>\n    <tr><td>\u0915\u0947 \u0932\u093f\u090f \u0938\u0930\u094d\u0935\u094b\u0924\u094d\u0924\u092e<\/td><td>\u0938\u0902\u092a\u0924\u094d\u0924\u093f-\u0938\u092e\u0943\u0926\u094d\u0927 \u0935\u094d\u092f\u0935\u0938\u093e\u092f<\/td><td class=\"cg-yes\">\u092a\u094d\u0930\u0925\u092e-\u092a\u0940\u0922\u093c\u0940 \u0915\u0947 \u0909\u0926\u094d\u092f\u092e\u0940, \u0938\u0902\u092a\u0924\u094d\u0924\u093f-\u0939\u0932\u094d\u0915\u0947 MSME<\/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\">CGTMSE \u0928\u0947 2000 \u0938\u0947 \u0905\u092c \u0924\u0915 65 \u0932\u093e\u0916 \u0938\u0947 \u0905\u0927\u093f\u0915 \u0938\u0902\u092a\u093e\u0930\u094d\u0936\u094d\u0935\u093f\u0915-\u092e\u0941\u0915\u094d\u0924 \u0935\u094d\u092f\u0935\u0938\u093e\u092f \u090b\u0923 \u0938\u0902\u092d\u0935 \u0915\u093f\u090f \u0939\u0948\u0902 \u2014 \u091c\u093f\u0938\u0938\u0947 \u092d\u093e\u0930\u0924 \u0915\u0947 \u0939\u0930 \u0915\u094d\u0937\u0947\u0924\u094d\u0930 \u0914\u0930 \u0939\u0930 \u0930\u093e\u091c\u094d\u092f \u0915\u0947 \u0909\u0926\u094d\u092f\u092e\u093f\u092f\u094b\u0902 \u0915\u094b \u092c\u093f\u0928\u093e \u0938\u0902\u092a\u0924\u094d\u0924\u093f \u0917\u093f\u0930\u0935\u0940 \u0930\u0916\u0947 \u0935\u093f\u0915\u093e\u0938 \u0915\u0930\u0928\u0947 \u092e\u0947\u0902 \u092e\u0926\u0926 \u092e\u093f\u0932\u0940 \u0939\u0948\u0964<\/div>\n<\/div>\n\n<h2>\u0915\u094c\u0928 \u0938\u0947 \u092c\u0948\u0902\u0915 CGTMSE \u090b\u0923 \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902?<\/h2>\n\n<p class=\"translation-block\">CGTMSE \u092e\u0947\u0902 276 \u0938\u0926\u0938\u094d\u092f \u090b\u0923 \u0926\u0947\u0928\u0947 \u0935\u093e\u0932\u0940 \u0938\u0902\u0938\u094d\u0925\u093e\u090f\u0902 (MLIs) \u0939\u0948\u0902 \u2014 \u0932\u0917\u092d\u0917 \u0915\u093f\u0938\u0940 \u092d\u0940 \u092a\u094d\u0930\u092e\u0941\u0916 \u092c\u0948\u0902\u0915 \u092e\u0947\u0902 \u091c\u093e\u090f\u0902 \u0914\u0930 CGTMSE-\u0938\u092e\u0930\u094d\u0925\u093f\u0924 MSME \u090b\u0923 \u0915\u0947 \u0932\u093f\u090f \u0905\u0928\u0941\u0930\u094b\u0927 \u0915\u0930\u0947\u0902:<\/p>\n\n<ul>\n  <li class=\"translation-block\">\u0938\u092d\u0940 \u092a\u094d\u0930\u092e\u0941\u0916 \u0938\u093e\u0930\u094d\u0935\u091c\u0928\u093f\u0915 \u0915\u094d\u0937\u0947\u0924\u094d\u0930 \u0915\u0947 \u092c\u0948\u0902\u0915 \u2014 SBI, Bank of Baroda, Punjab National Bank, Canara Bank, Union Bank, Indian Bank<\/li>\n  <li class=\"translation-block\">\u092a\u094d\u0930\u092e\u0941\u0916 \u0928\u093f\u091c\u0940 \u0915\u094d\u0937\u0947\u0924\u094d\u0930 \u0915\u0947 \u092c\u0948\u0902\u0915 \u2014 HDFC Bank, ICICI Bank, Axis Bank, Kotak Mahindra Bank<\/li>\n  <li class=\"translation-block\">\u0915\u094d\u0937\u0947\u0924\u094d\u0930\u0940\u092f \u0917\u094d\u0930\u093e\u092e\u0940\u0923 \u092c\u0948\u0902\u0915 (RRBs) \u2014 \u0917\u094d\u0930\u093e\u092e\u0940\u0923 \u0914\u0930 \u0905\u0930\u094d\u0927-\u0936\u0939\u0930\u0940 MSMEs \u0915\u0947 \u0932\u093f\u090f<\/li>\n  <li class=\"translation-block\">\u091a\u092f\u0928\u093f\u0924 \u0936\u0939\u0930\u0940 \u0938\u0939\u0915\u093e\u0930\u0940 \u092c\u0948\u0902\u0915<\/li>\n  <li class=\"translation-block\">\u091a\u092f\u0928\u093f\u0924 NBFCs \u091c\u094b CGTMSE \u0915\u0947 \u0938\u093e\u0925 MLIs \u0915\u0947 \u0930\u0942\u092a \u092e\u0947\u0902 \u092a\u0902\u091c\u0940\u0915\u0943\u0924 \u0939\u0948\u0902<\/li>\n<\/ul>\n\n<div class=\"cg-success\">\u2705 \u0906\u092a CGTMSE \u0938\u0947 \u0938\u0940\u0927\u0947 \u0938\u0902\u092a\u0930\u094d\u0915 \u0928\u0939\u0940\u0902 \u0915\u0930\u0924\u0947\u0964 \u0906\u092a \u092c\u0948\u0902\u0915 \u0938\u0947 \u0938\u0902\u092a\u0930\u094d\u0915 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902\u0964 \u092c\u0948\u0902\u0915 \u0906\u092a\u0915\u0940 \u0913\u0930 \u0938\u0947 CGTMSE \u092a\u0902\u091c\u0940\u0915\u0930\u0923 \u0915\u0940 \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e \u0938\u0902\u092d\u093e\u0932\u0924\u093e \u0939\u0948 \u2014 \u0906\u092a\u0915\u094b \u0915\u0947\u0935\u0932 \u0935\u093f\u0936\u0947\u0937 \u0930\u0942\u092a \u0938\u0947 \u0907\u0938\u0915\u0947 \u0932\u093f\u090f \u0905\u0928\u0941\u0930\u094b\u0927 \u0915\u0930\u0928\u093e \u0939\u094b\u0917\u093e\u0964<\/div>\n\n<h2>CGTMSE \u0915\u0947 \u0905\u0902\u0924\u0930\u094d\u0917\u0924 \u0915\u094d\u092f\u093e \u0935\u093f\u0924\u094d\u0924\u092a\u094b\u0937\u093f\u0924 \u0928\u0939\u0940\u0902 \u0915\u093f\u092f\u093e \u091c\u093e \u0938\u0915\u0924\u093e?<\/h2>\n\n<ul>\n  <li>\u0935\u0947 \u090b\u0923 \u091c\u094b \u092a\u0939\u0932\u0947 \u0938\u0947 DICGC \u092f\u093e RBI \u0917\u093e\u0930\u0902\u091f\u0940 \u092f\u094b\u091c\u0928\u093e\u0913\u0902 \u0915\u0947 \u0905\u0902\u0924\u0930\u094d\u0917\u0924 \u0906\u091a\u094d\u091b\u093e\u0926\u093f\u0924 \u0939\u0948\u0902<\/li>\n  <li>\u0938\u094d\u0935\u092f\u0902 \u0938\u0939\u093e\u092f\u0924\u093e \u0938\u092e\u0942\u0939\u094b\u0902 (SHGs) \u0915\u094b \u0926\u093f\u090f \u091c\u093e\u0928\u0947 \u0935\u093e\u0932\u0947 \u090b\u0923<\/li>\n  <li>\u0915\u0943\u0937\u093f, \u092e\u0924\u094d\u0938\u094d\u092f \u092a\u093e\u0932\u0928 \u0914\u0930 \u092a\u0936\u0941\u092a\u093e\u0932\u0928 \u0915\u0947 \u0932\u093f\u090f \u090b\u0923<\/li>\n  <li>\u0936\u0948\u0915\u094d\u0937\u0923\u093f\u0915 \u0914\u0930 \u092a\u094d\u0930\u0936\u093f\u0915\u094d\u0937\u0923 \u0938\u0902\u0938\u094d\u0925\u093e\u0928\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u090b\u0923<\/li>\n  <li>\u092a\u0942\u0930\u094d\u0923\u0924\u0903 \u0935\u093f\u0926\u094d\u092f\u092e\u093e\u0928 \u0938\u0902\u092a\u093e\u0930\u094d\u0936\u094d\u0935\u093f\u0915 \u0915\u0947 \u0935\u093f\u0930\u0941\u0926\u094d\u0927 \u0938\u094d\u0935\u0940\u0915\u0943\u0924 \u090b\u0923<\/li>\n  <li>\u0909\u092a\u092d\u094b\u0915\u094d\u0924\u093e \u092f\u093e \u0917\u0948\u0930-\u0935\u094d\u092f\u093e\u0935\u0938\u093e\u092f\u093f\u0915 \u0909\u0926\u094d\u0926\u0947\u0936\u094d\u092f \u0915\u0947 \u0932\u093f\u090f \u090b\u0923<\/li>\n  <li>\u092e\u0927\u094d\u092f\u092e \u0909\u0926\u094d\u092f\u092e\u094b\u0902 \u0915\u094b \u0926\u093f\u090f \u091c\u093e\u0928\u0947 \u0935\u093e\u0932\u0947 \u090b\u0923<\/li>\n<\/ul>\n\n<h2>\"\u0905\u0915\u094d\u0938\u0930 \u092a\u0942\u091b\u0947 \u091c\u093e\u0928\u0947 \u0935\u093e\u0932\u0947 \u092a\u094d\u0930\u0936\u094d\u0928\"<\/h2>\n\n<div class=\"cg-faq\">\n\n  <div class=\"cg-faq-item\">\n    <div class=\"cg-faq-q\">\u0915\u094d\u092f\u093e \u092e\u0948\u0902 CGTMSE \u0935\u0947\u092c\u0938\u093e\u0907\u091f \u092a\u0930 \u0938\u0940\u0927\u0947 CGTMSE \u090b\u0923 \u0915\u0947 \u0932\u093f\u090f \u0906\u0935\u0947\u0926\u0928 \u0915\u0930 \u0938\u0915\u0924\u093e \u0939\u0942\u0902?<\/div>\n    <p class=\"cg-faq-a\">\u0928\u0939\u0940\u0902\u0964 CGTMSE \u0938\u0940\u0927\u0947 \u0909\u0927\u093e\u0930\u0915\u0930\u094d\u0924\u093e\u0913\u0902 \u0915\u094b \u090b\u0923 \u092a\u094d\u0930\u0926\u093e\u0928 \u0928\u0939\u0940\u0902 \u0915\u0930\u0924\u093e\u0964 \u0906\u092a\u0915\u094b \u0915\u093f\u0938\u0940 \u0910\u0938\u0947 \u092c\u0948\u0902\u0915 \u092f\u093e NBFC \u0938\u0947 \u0938\u0902\u092a\u0930\u094d\u0915 \u0915\u0930\u0928\u093e \u0939\u094b\u0917\u093e \u091c\u094b \u090f\u0915 \u092a\u0902\u091c\u0940\u0915\u0943\u0924 MLI \u0939\u094b\u0964 \u092c\u0948\u0902\u0915 \u0906\u092a\u0915\u0947 \u090b\u0923 \u0915\u094b \u0938\u094d\u0935\u0940\u0915\u0943\u0924 \u0915\u0930\u0928\u0947 \u0915\u0947 \u092a\u0936\u094d\u091a\u093e\u0924 \u0906\u092a\u0915\u0940 \u0913\u0930 \u0938\u0947 CGTMSE \u0917\u093e\u0930\u0902\u091f\u0940 \u0915\u0935\u0930 \u0915\u0947 \u0932\u093f\u090f \u0906\u0935\u0947\u0926\u0928 \u0915\u0930\u0924\u093e \u0939\u0948\u0964<\/p>\n  <\/div>\n\n  <div class=\"cg-faq-item\">\n    <div class=\"cg-faq-q\">\u0915\u094d\u092f\u093e \u092e\u0947\u0930\u0947 \u092a\u093e\u0938 \u092a\u0939\u0932\u0947 \u0938\u0947 \u0917\u0943\u0939 \u090b\u0923 \u092f\u093e \u0935\u093e\u0939\u0928 \u090b\u0923 \u0939\u0948\u0964 \u0915\u094d\u092f\u093e \u092f\u0939 \u092e\u0941\u091d\u0947 \u0905\u092f\u094b\u0917\u094d\u092f \u0920\u0939\u0930\u093e\u0924\u093e \u0939\u0948?<\/div>\n    <p class=\"cg-faq-a translation-block\">\u0928\u0939\u0940\u0902\u0964 \u0935\u093f\u0926\u094d\u092f\u092e\u093e\u0928 \u0935\u094d\u092f\u0915\u094d\u0924\u093f\u0917\u0924 \u090b\u0923 \u0906\u092a\u0915\u0940 CGTMSE \u092a\u093e\u0924\u094d\u0930\u0924\u093e \u0915\u094b \u092a\u094d\u0930\u092d\u093e\u0935\u093f\u0924 \u0928\u0939\u0940\u0902 \u0915\u0930\u0924\u0947\u0964 \u0924\u0925\u093e\u092a\u093f, \u092f\u0926\u093f \u0915\u093f\u0938\u0940 \u092d\u0940 \u092c\u0948\u0902\u0915 \u092e\u0947\u0902 \u0906\u092a\u0915\u093e \u0915\u094b\u0908 \u0935\u094d\u092f\u093e\u0935\u0938\u093e\u092f\u093f\u0915 \u090b\u0923 NPA \u0915\u0947 \u0930\u0942\u092a \u092e\u0947\u0902 \u0935\u0930\u094d\u0917\u0940\u0915\u0943\u0924 \u0939\u0948, \u0924\u094b \u0906\u092a \u0928\u0908 \u0938\u0941\u0935\u093f\u0927\u093e \u092a\u0930 CGTMSE \u0915\u0935\u0930\u0947\u091c \u0915\u0947 \u0932\u093f\u090f \u092a\u093e\u0924\u094d\u0930 \u0928\u0939\u0940\u0902 \u0939\u0948\u0902\u0964<\/p>\n  <\/div>\n\n  <div class=\"cg-faq-item\">\n    <div class=\"cg-faq-q\">\u0915\u094d\u092f\u093e \u092e\u0947\u0930\u0947 \u0935\u094d\u092f\u0935\u0938\u093e\u092f \u0915\u093e \u092a\u0939\u0932\u0947 \u0938\u0947 \u0932\u093e\u092d\u0926\u093e\u092f\u0915 \u0939\u094b\u0928\u093e \u0906\u0935\u0936\u094d\u092f\u0915 \u0939\u0948?<\/div>\n    <p class=\"cg-faq-a\">\u092c\u0948\u0902\u0915 \u0915\u094b \u0906\u092a\u0915\u0947 \u0935\u094d\u092f\u0935\u0938\u093e\u092f \u0915\u094b \u090f\u0915 \u0905\u091a\u094d\u091b\u0947 \u091f\u094d\u0930\u0948\u0915 \u0930\u093f\u0915\u0949\u0930\u094d\u0921 \u0915\u0947 \u0938\u093e\u0925 \u0935\u094d\u092f\u0935\u0939\u093e\u0930\u094d\u092f \u0914\u0930 \u0932\u093e\u092d\u0926\u093e\u092f\u0915 \u0906\u0902\u0915\u0928\u093e \u0906\u0935\u0936\u094d\u092f\u0915 \u0939\u0948\u0964 \u0928\u090f \u0909\u0926\u094d\u092f\u092e\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f, \u0935\u094d\u092f\u0935\u0939\u093e\u0930\u094d\u092f\u0924\u093e \u0915\u093e \u092e\u0942\u0932\u094d\u092f\u093e\u0902\u0915\u0928 \u0935\u094d\u092f\u0935\u0938\u093e\u092f \u092f\u094b\u091c\u0928\u093e \u0914\u0930 \u0905\u0928\u0941\u092e\u093e\u0928\u093f\u0924 \u0928\u0915\u0926 \u092a\u094d\u0930\u0935\u093e\u0939 \u0915\u0947 \u0906\u0927\u093e\u0930 \u092a\u0930 \u0915\u093f\u092f\u093e \u091c\u093e\u0924\u093e \u0939\u0948\u0964 \u0917\u093e\u0930\u0902\u091f\u0940 \u0938\u0902\u092a\u093e\u0930\u094d\u0936\u094d\u0935\u093f\u0915 \u0915\u0940 \u0906\u0935\u0936\u094d\u092f\u0915\u0924\u093e \u0915\u094b \u0938\u092e\u093e\u092a\u094d\u0924 \u0915\u0930\u0924\u0940 \u0939\u0948 \u2014 \u0928 \u0915\u093f \u090b\u0923 \u092e\u0942\u0932\u094d\u092f\u093e\u0902\u0915\u0928 \u0915\u094b\u0964<\/p>\n  <\/div>\n\n  <div class=\"cg-faq-item\">\n    <div class=\"cg-faq-q\">\u0915\u094d\u092f\u093e \u090f\u0915 \u092e\u0927\u094d\u092f\u092e \u0909\u0926\u094d\u092f\u092e CGTMSE \u0915\u0947 \u0932\u093f\u090f \u092a\u093e\u0924\u094d\u0930 \u0939\u0948?<\/div>\n    <p class=\"cg-faq-a\">\u0928\u0939\u0940\u0902\u0964 CGTMSE \u0915\u0947\u0935\u0932 \u0938\u0942\u0915\u094d\u0937\u094d\u092e \u0914\u0930 \u0932\u0918\u0941 \u0909\u0926\u094d\u092f\u092e\u094b\u0902 \u0915\u094b \u0915\u0935\u0930 \u0915\u0930\u0924\u093e \u0939\u0948\u0964 \u092e\u0927\u094d\u092f\u092e \u0909\u0926\u094d\u092f\u092e \u0907\u0938\u0938\u0947 \u092c\u093e\u0939\u0930 \u0939\u0948\u0902\u0964 \u0906\u0935\u0947\u0926\u0928 \u0915\u0930\u0928\u0947 \u0938\u0947 \u092a\u0939\u0932\u0947 \u0905\u092a\u094d\u0930\u0948\u0932 2025 \u0915\u0940 \u0938\u0902\u0936\u094b\u0927\u093f\u0924 \u0938\u0940\u092e\u093e\u0913\u0902 \u0915\u0947 \u0905\u0928\u0941\u0938\u093e\u0930 \u0905\u092a\u0928\u093e \u0935\u0930\u094d\u0917\u0940\u0915\u0930\u0923 \u091c\u093e\u0901\u091a\u0947\u0902\u0964<\/p>\n  <\/div>\n\n  <div class=\"cg-faq-item\">\n    <div class=\"cg-faq-q\">\u092e\u0948\u0902 \u092f\u0939 \u0915\u0948\u0938\u0947 \u0938\u0941\u0928\u093f\u0936\u094d\u091a\u093f\u0924 \u0915\u0930\u0942\u0902 \u0915\u093f \u092e\u0947\u0930\u093e \u090b\u0923 CGTMSE \u0915\u0947 \u0905\u0902\u0924\u0930\u094d\u0917\u0924 \u092a\u0902\u091c\u0940\u0915\u0943\u0924 \u0939\u0948?<\/div>\n    <p class=\"cg-faq-a translation-block\">\u0905\u092a\u0928\u0947 \u092c\u0948\u0902\u0915 \u0938\u0947 CGTMSE \u0926\u094d\u0935\u093e\u0930\u093e \u092a\u0902\u091c\u0940\u0915\u0930\u0923 \u0915\u0947 \u0938\u092e\u092f \u091c\u093e\u0930\u0940 \u0915\u093f\u092f\u093e \u0917\u092f\u093e \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0917\u093e\u0930\u0902\u091f\u0940 \u0928\u0902\u092c\u0930 (CGN) \u0938\u093e\u091d\u093e \u0915\u0930\u0928\u0947 \u0915\u093e \u0905\u0928\u0941\u0930\u094b\u0927 \u0915\u0930\u0947\u0902\u0964 \u092f\u0939 \u0906\u092a\u0915\u0940 \u0932\u093f\u0916\u093f\u0924 \u092a\u0941\u0937\u094d\u091f\u093f \u0939\u0948 \u0915\u093f \u0906\u092a\u0915\u0947 \u090b\u0923 \u092a\u0930 \u0917\u093e\u0930\u0902\u091f\u0940 \u0915\u0935\u0930 \u0938\u0915\u094d\u0930\u093f\u092f \u0939\u0948\u0964<\/p>\n  <\/div>\n\n  <div class=\"cg-faq-item\">\n    <div class=\"cg-faq-q\">\u0905\u0928\u0947\u0915 \u092c\u0948\u0902\u0915\u094b\u0902 \u0928\u0947 \u092e\u0947\u0930\u093e \u0906\u0935\u0947\u0926\u0928 \u0905\u0938\u094d\u0935\u0940\u0915\u093e\u0930 \u0915\u0930 \u0926\u093f\u092f\u093e\u0964 \u092e\u0941\u091d\u0947 \u0915\u094d\u092f\u093e \u0915\u0930\u0928\u093e \u091a\u093e\u0939\u093f\u090f?<\/div>\n    <p class=\"cg-faq-a translation-block\">\u0928\u093f\u0930\u093e\u0936 \u0928 \u0939\u094b\u0902\u0964 \u092a\u094d\u0930\u0924\u094d\u092f\u0947\u0915 \u092c\u0948\u0902\u0915 \u0915\u0940 \u0905\u092a\u0928\u0940 \u0906\u0902\u0924\u0930\u093f\u0915 \u090b\u0923 \u0928\u0940\u0924\u093f\u092f\u093e\u0902 \u0939\u094b\u0924\u0940 \u0939\u0948\u0902\u0964 \u0905\u092a\u0928\u0947 CIBIL \u0938\u094d\u0915\u094b\u0930 \u0915\u0940 \u0924\u094d\u0930\u0941\u091f\u093f\u092f\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u091c\u093e\u0902\u091a \u0915\u0930\u0947\u0902 (cibil.com \u092a\u0930 \u0935\u0930\u094d\u0937 \u092e\u0947\u0902 \u090f\u0915 \u092c\u093e\u0930 \u0928\u093f\u0903\u0936\u0941\u0932\u094d\u0915)\u0964 \u0909\u0926\u094d\u092f\u092e \u092e\u093f\u0924\u094d\u0930 \u092a\u094b\u0930\u094d\u091f\u0932 (udyammitra.in) \u092a\u0930 \u0935\u093f\u091a\u093e\u0930 \u0915\u0930\u0947\u0902 \u2014 \u092f\u0939 \u090f\u0915 \u0938\u0930\u0915\u093e\u0930\u0940 \u092e\u0902\u091a \u0939\u0948 \u091c\u094b CGTMSE \u0915\u0947 \u0905\u0902\u0924\u0930\u094d\u0917\u0924 MSMEs \u0915\u094b \u090b\u0923\u0926\u093e\u0924\u093e\u0913\u0902 \u0938\u0947 \u091c\u094b\u0921\u093c\u0924\u093e \u0939\u0948\u0964 \u0907\u0938\u0915\u0947 \u0905\u0924\u093f\u0930\u093f\u0915\u094d\u0924, MLIs \u0915\u0947 \u0930\u0942\u092a \u092e\u0947\u0902 \u092a\u0902\u091c\u0940\u0915\u0943\u0924 \u091a\u092f\u0928\u093f\u0924 NBFCs \u0938\u0947 \u092d\u0940 \u0938\u0902\u092a\u0930\u094d\u0915 \u0915\u0930\u0947\u0902, \u091c\u093f\u0928\u0915\u0947 \u092a\u093e\u0938 \u092a\u094d\u0930\u093e\u092f\u0903 \u0905\u0927\u093f\u0915 \u0932\u091a\u0940\u0932\u0947 \u092e\u0942\u0932\u094d\u092f\u093e\u0902\u0915\u0928 \u092e\u093e\u0928\u0926\u0902\u0921 \u0939\u094b\u0924\u0947 \u0939\u0948\u0902\u0964<\/p>\n  <\/div>\n\n<\/div>\n\n<!-- \u2550\u2550 CTA \u2550\u2550 -->\n<div class=\"cg-cta\">\n  <div class=\"cg-cta-eyebrow\">\u0906\u092a\u0915\u093e \u0905\u0917\u0932\u093e \u0915\u0926\u092e<\/div>\n  <div class=\"cg-cta-title\">\u0938\u0930\u094d\u0935\u092a\u094d\u0930\u0925\u092e \u2014 \u092a\u0941\u0937\u094d\u091f\u093f \u0915\u0930\u0947\u0902 \u0915\u093f \u0906\u092a \u090f\u0915 \u0938\u0942\u0915\u094d\u0937\u094d\u092e \u092f\u093e \u0932\u0918\u0941 \u0909\u0926\u094d\u092f\u092e \u0939\u0948\u0902<\/div>\n  <div class=\"cg-cta-sub\">CGTMSE \u0915\u0947\u0935\u0932 \u0938\u0942\u0915\u094d\u0937\u094d\u092e \u0914\u0930 \u0932\u0918\u0941 \u0909\u0926\u094d\u092f\u092e\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u0909\u092a\u0932\u092c\u094d\u0927 \u0939\u0948\u0964 \u092c\u0948\u0902\u0915 \u091c\u093e\u0928\u0947 \u0938\u0947 \u092a\u0939\u0932\u0947, 60 \u0938\u0947\u0915\u0902\u0921 \u092e\u0947\u0902 \u0905\u092a\u0928\u0940 \u0936\u094d\u0930\u0947\u0923\u0940 \u0915\u0940 \u092a\u0941\u0937\u094d\u091f\u093f \u0915\u0930\u0947\u0902 \u2014 \u0914\u0930 \u091c\u093e\u0928\u0947\u0902 \u0915\u093f \u0906\u092a \u0915\u093f\u0928 \u0905\u0928\u094d\u092f \u092f\u094b\u091c\u0928\u093e\u0913\u0902 (Mudra Loan, PMEGP) \u0915\u0947 \u0932\u093f\u090f \u092d\u0940 \u092a\u093e\u0924\u094d\u0930 \u0939\u0948\u0902\u0964<\/div>\n  <a href=\"https:\/\/msmegyan.in\/hi\/calculator\/\" class=\"cg-cta-btn\">\u0905\u092a\u0928\u0940 MSME \u092a\u093e\u0924\u094d\u0930\u0924\u093e \u0928\u093f\u0903\u0936\u0941\u0932\u094d\u0915 \u091c\u093e\u0902\u091a\u0947\u0902 \u2192<\/a>\n  <div class=\"cg-cta-note\">Free \u00b7 No login \u00b7 Results in 60 seconds<\/div>\n<\/div>\n\n<div class=\"cg-sources\">\n  <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>\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>\n<\/div>\n\n<\/div>\n\n\n\n\n<p><\/p>","protected":false},"excerpt":{"rendered":"<p class=\"translation-block\">\u092c\u0948\u0902\u0915 \u0928\u0947 \u092e\u0928\u093e \u0915\u0930 \u0926\u093f\u092f\u093e \u0915\u094d\u092f\u094b\u0902\u0915\u093f \u0906\u092a\u0915\u0947 \u092a\u093e\u0938 \u0917\u093f\u0930\u0935\u0940 \u0930\u0916\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0915\u0941\u091b \u0928\u0939\u0940\u0902 \u0939\u0948\u0964 \u0932\u0947\u0915\u093f\u0928 \u092d\u093e\u0930\u0924 \u0938\u0930\u0915\u093e\u0930 \u0928\u0947 \u0907\u0938\u0940 \u0938\u092e\u0938\u094d\u092f\u093e \u0915\u093e \u090f\u0915 \u0916\u093e\u0938 \u0938\u092e\u093e\u0927\u093e\u0928 \u092c\u0928\u093e\u092f\u093e \u0939\u0948 \u2014 25 \u0938\u093e\u0932 \u092a\u0939\u0932\u0947\u0964 \u0907\u0938\u0915\u093e \u0928\u093e\u092e \u0939\u0948 CGTMSE \u2014 \u091c\u094b \u092c\u093f\u0928\u093e \u0938\u0902\u092a\u0924\u094d\u0924\u093f \u0917\u093f\u0930\u0935\u0940 \u0930\u0916\u0947, \u092c\u093f\u0928\u093e \u0917\u093e\u0930\u0902\u091f\u0930 \u0915\u0947, \u20b910 \u0915\u0930\u094b\u0921\u093c \u0924\u0915 \u0915\u093e \u0915\u094b\u0932\u0948\u091f\u0930\u0932-\u092b\u094d\u0930\u0940 \u0932\u094b\u0928 \u0926\u093f\u0932\u093e\u0924\u093e \u0939\u0948\u0964<\/p>","protected":false},"author":1,"featured_media":1283,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[6],"tags":[],"class_list":["post-1275","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-how-to-guides"],"_links":{"self":[{"href":"https:\/\/msmegyan.in\/hi\/wp-json\/wp\/v2\/posts\/1275","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/msmegyan.in\/hi\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/msmegyan.in\/hi\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/msmegyan.in\/hi\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/msmegyan.in\/hi\/wp-json\/wp\/v2\/comments?post=1275"}],"version-history":[{"count":10,"href":"https:\/\/msmegyan.in\/hi\/wp-json\/wp\/v2\/posts\/1275\/revisions"}],"predecessor-version":[{"id":1314,"href":"https:\/\/msmegyan.in\/hi\/wp-json\/wp\/v2\/posts\/1275\/revisions\/1314"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/msmegyan.in\/hi\/wp-json\/wp\/v2\/media\/1283"}],"wp:attachment":[{"href":"https:\/\/msmegyan.in\/hi\/wp-json\/wp\/v2\/media?parent=1275"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/msmegyan.in\/hi\/wp-json\/wp\/v2\/categories?post=1275"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/msmegyan.in\/hi\/wp-json\/wp\/v2\/tags?post=1275"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}