{"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\/mr\/collateral-free-loan-under-msme-cgtmse-guide\/","title":{"rendered":"MSME \u0905\u0902\u0924\u0930\u094d\u0917\u0924 \u0924\u093e\u0930\u0923-\u092e\u0941\u0915\u094d\u0924 \u0915\u0930\u094d\u091c \u2014 CGTMSE \u0924\u0941\u092e\u091a\u093e \u092a\u0930\u094d\u092f\u093e\u092f \u092e\u094d\u0939\u0923\u0942\u0928 \u0915\u0938\u0947 \u0915\u093e\u0930\u094d\u092f \u0915\u0930\u0924\u0947 | MSMEGyan"},"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\">\u092c\u0901\u0915\u0947\u0924\u0942\u0928 \u092c\u093e\u0939\u0947\u0930 \u092a\u0921\u0924\u093e\u0928\u093e \u0915\u094b\u0923\u0940 \u0924\u0941\u092e\u094d\u0939\u093e\u0932\u093e \u0915\u093e\u092f \u0938\u093e\u0902\u0917\u0924 \u0928\u093e\u0939\u0940?<\/div>\n  <p class=\"translation-block\">\u092d\u093e\u0930\u0924 \u0938\u0930\u0915\u093e\u0930\u0928\u0947 \u0905\u0917\u0926\u0940 \u092f\u093e\u091a \u092a\u0930\u093f\u0938\u094d\u0925\u093f\u0924\u0940\u0938\u093e\u0920\u0940 \u090f\u0915 \u0935\u093f\u0936\u093f\u0937\u094d\u091f \u0909\u092a\u093e\u092f \u0924\u092f\u093e\u0930 \u0915\u0947\u0932\u093e \u0906\u0939\u0947 \u2014 <strong data-no-auto-translation=\"\">\u0968\u096b \u0935\u0930\u094d\u0937\u093e\u0902\u092a\u0942\u0930\u094d\u0935\u0940.<\/strong><\/p>\n  <p class=\"translation-block\">\u0924\u094d\u092f\u093e\u0932\u093e <strong data-no-auto-translation=\"\">CGTMSE<\/strong> \u092e\u094d\u0939\u0923\u0924\u093e\u0924. \u092f\u093e\u0928\u0947 \u0968\u0966\u0966\u0966\u092a\u093e\u0938\u0942\u0928 <strong data-no-auto-translation=\"\">\u096c\u096b \u0932\u093e\u0916\u093e\u0902\u0939\u0942\u0928 \u0905\u0927\u093f\u0915 \u0924\u093e\u0930\u0923\u092e\u0941\u0915\u094d\u0924 \u0915\u0930\u094d\u091c\u0947<\/strong> \u0909\u092a\u0932\u092c\u094d\u0927 \u0915\u0930\u0942\u0928 \u0926\u093f\u0932\u0940 \u0906\u0939\u0947\u0924. \u0915\u0947\u0935\u0933 FY\u0968\u0966\u0968\u096b \u092e\u0927\u094d\u092f\u0947, \u092f\u093e\u0928\u0947 \u092d\u093e\u0930\u0924\u092d\u0930 \u20b9\u0969.\u0966\u096b \u0932\u093e\u0916 \u0915\u094b\u091f\u0940\u0902\u091a\u094d\u092f\u093e \u0935\u094d\u092f\u093e\u0935\u0938\u093e\u092f\u093f\u0915 \u0915\u0930\u094d\u091c\u093e\u0902\u0928\u093e \u092a\u093e\u0920\u092c\u0933 \u0926\u093f\u0932\u0947.<\/p>\n  <p>\u091c\u094d\u092f\u093e\u0902\u0928\u093e \u092f\u093e\u091a\u0940 \u0938\u0930\u094d\u0935\u093e\u0927\u093f\u0915 \u0917\u0930\u091c \u0906\u0939\u0947 \u0905\u0936\u093e \u092c\u0939\u0941\u0924\u0947\u0915 MSME \u092e\u093e\u0932\u0915\u093e\u0902\u0928\u0940 \u092f\u093e\u092c\u0926\u094d\u0926\u0932 \u0915\u0927\u0940 \u0910\u0915\u0932\u0947\u091a \u0928\u093e\u0939\u0940. \u0939\u0947 \u092e\u093e\u0930\u094d\u0917\u0926\u0930\u094d\u0936\u0915 \u0924\u0947 \u092c\u0926\u0932\u0924\u0947.<\/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 \u0915\u094b\u091f\u0940<\/div>\n    <div class=\"cg-stat-label\">\u0915\u092e\u093e\u0932 \u0924\u093e\u0930\u0923\u092e\u0941\u0915\u094d\u0924 \u0915\u0930\u094d\u091c \u2014 \u0905\u0930\u094d\u0925\u0938\u0902\u0915\u0932\u094d\u092a \u0968\u0966\u0968\u096b \u092e\u0927\u094d\u092f\u0947 \u0926\u0941\u092a\u094d\u092a\u091f \u0915\u0947\u0932\u0947<\/div>\n  <\/div>\n  <div class=\"cg-stat\">\n    <div class=\"cg-stat-num\">276<\/div>\n    <div class=\"cg-stat-label\">\u092d\u093e\u0930\u0924\u092d\u0930 \u0938\u0939\u092d\u093e\u0917\u0940 \u092c\u0901\u0915\u093e \u0906\u0923\u093f NBFCs<\/div>\n  <\/div>\n  <div class=\"cg-stat\">\n    <div class=\"cg-stat-num\">\u096c\u096b \u0932\u093e\u0916+<\/div>\n    <div class=\"cg-stat-label\">\u0968\u0966\u0966\u0966\u092a\u093e\u0938\u0942\u0928 \u0924\u093e\u0930\u0923\u092e\u0941\u0915\u094d\u0924 \u0915\u0930\u094d\u091c \u0916\u093e\u0924\u0940 \u0909\u092a\u0932\u092c\u094d\u0927<\/div>\n  <\/div>\n<\/div>\n\n<h2>\u0909\u092a\u093e\u092f: CGTMSE \u092e\u094d\u0939\u0923\u091c\u0947 \u0915\u093e\u092f?<\/h2>\n\n<p class=\"translation-block\">CGTMSE \u092e\u094d\u0939\u0923\u091c\u0947 <strong data-no-auto-translation=\"\">Credit Guarantee Fund Trust for Micro and Small Enterprises.<\/strong><\/p>\n\n<p class=\"translation-block\">\u0939\u0947 <strong data-no-auto-translation=\"\">\u0967 \u0911\u0917\u0938\u094d\u091f \u0968\u0966\u0966\u0966<\/strong> \u0930\u094b\u091c\u0940 \u0938\u0941\u0930\u0942 \u0915\u0930\u0923\u094d\u092f\u093e\u0924 \u0906\u0932\u0947 \u2014 <strong data-no-auto-translation=\"\">MSME \u092e\u0902\u0924\u094d\u0930\u093e\u0932\u092f, \u092d\u093e\u0930\u0924 \u0938\u0930\u0915\u093e\u0930<\/strong> \u0906\u0923\u093f <strong data-no-auto-translation=\"\">SIDBI (Small Industries Development Bank of India)<\/strong> \u092f\u093e\u0902\u091a\u093e \u0938\u0902\u092f\u0941\u0915\u094d\u0924 \u0909\u092a\u0915\u094d\u0930\u092e.<\/p>\n\n<p>\u090f\u0915\u093e \u0935\u093e\u0915\u094d\u092f\u093e\u0924 \u092e\u0942\u0933 \u0915\u0932\u094d\u092a\u0928\u093e:<\/p>\n\n<div class=\"cg-answer\">\n  <div class=\"cg-answer-icon\">\ud83d\udca1<\/div>\n  CGTMSE \u092c\u0901\u0915\u0947\u0932\u093e \u0938\u093e\u0902\u0917\u0924\u0947: \"\u091c\u0930 \u0939\u093e \u0915\u0930\u094d\u091c\u0926\u093e\u0930 \u091a\u0941\u0915\u0932\u093e \u0924\u0930 \u0906\u092e\u094d\u0939\u0940 \u0924\u0941\u092e\u091a\u094d\u092f\u093e \u096d\u096b\u2013\u096e\u096b% \u091c\u094b\u0916\u092e\u0940\u091a\u0940 \u092d\u0930\u092a\u093e\u0908 \u0915\u0930\u0942.\" \u092c\u0901\u0915\u0947\u0932\u093e \u0906\u0924\u093e \u0924\u0941\u092e\u091a\u0940 \u092e\u093e\u0932\u092e\u0924\u094d\u0924\u093e \u0932\u093e\u0917\u0924 \u0928\u093e\u0939\u0940. \u0924\u0940 \u0924\u093e\u0930\u0923\u093e\u0936\u093f\u0935\u093e\u092f \u0915\u0930\u094d\u091c \u0926\u0947\u0924\u0947.\n<\/div>\n\n<p>\u0924\u0941\u092e\u094d\u0939\u0940 CGTMSE \u0936\u0940 \u0925\u0947\u091f \u0938\u0902\u092a\u0930\u094d\u0915 \u0938\u093e\u0927\u0924 \u0928\u093e\u0939\u0940. \u0924\u0941\u092e\u094d\u0939\u0940 \u092c\u0901\u0915\u0947\u0915\u0921\u0947 \u091c\u093e\u0924\u093e. \u092c\u0901\u0915 \u0939\u092e\u0940\u091a\u0940 \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e \u0915\u0930\u0924\u0947. \u0924\u0941\u092e\u094d\u0939\u093e\u0932\u093e \u0915\u0930\u094d\u091c \u092e\u093f\u0933\u0924\u0947.<\/p>\n\n<div class=\"cg-quote\">\n  \"\u0939\u0940 \u092f\u094b\u091c\u0928\u093e \u092c\u0901\u0915\u093e \u0906\u0923\u093f \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u0902\u0938\u094d\u0925\u093e\u0902\u0926\u094d\u0935\u093e\u0930\u0947 \u0909\u0926\u094d\u092f\u094b\u091c\u0915\u093e\u0902\u0928\u093e \u0924\u093e\u0930\u0923\u092e\u0941\u0915\u094d\u0924 \u0915\u0930\u094d\u091c \u092e\u0902\u091c\u0941\u0930\u0940\u0938\u093e\u0920\u0940 \u0939\u092e\u0940 \u0938\u0902\u0930\u0915\u094d\u0937\u0923 \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0924\u0947.\"\n  <cite>\u0938\u094d\u0930\u094b\u0924: SBI CGTMSE \u092f\u094b\u091c\u0928\u093e \u092a\u0943\u0937\u094d\u0920 \u00b7 [cgtmse.in](http:\/\/cgtmse.in) \u0905\u0927\u093f\u0915\u0943\u0924 \u092f\u094b\u091c\u0928\u093e \u0926\u0938\u094d\u0924\u0910\u0935\u091c<\/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\">CGTMSE \u0905\u0902\u0924\u0930\u094d\u0917\u0924, \u092c\u0901\u0915 \u0924\u0941\u092e\u091a\u094d\u092f\u093e \u0935\u094d\u092f\u0935\u0938\u093e\u092f\u093e\u091a\u0940 \u0935\u094d\u092f\u0935\u0939\u093e\u0930\u094d\u092f\u0924\u093e \u092e\u0942\u0932\u094d\u092f\u093e\u0902\u0915\u0928 \u0915\u0930\u0924\u0947 \u2014 \u0924\u0941\u092e\u091a\u094d\u092f\u093e \u092e\u093e\u0932\u092e\u0924\u094d\u0924\u0947\u091a\u0947 \u092e\u0942\u0932\u094d\u092f \u0928\u093e\u0939\u0940. \u0915\u094b\u0923\u0924\u094d\u092f\u093e\u0939\u0940 \u092e\u093e\u0932\u092e\u0924\u094d\u0924\u0947\u091a\u0947 \u0917\u0939\u093e\u0923 \u0906\u0935\u0936\u094d\u092f\u0915 \u0928\u093e\u0939\u0940.<\/div>\n<\/div>\n\n<h2>CGTMSE \u092a\u094d\u0930\u0924\u094d\u092f\u0915\u094d\u0937\u093e\u0924 \u0915\u0938\u0947 \u0915\u093e\u0930\u094d\u092f \u0915\u0930\u0924\u0947 \u2014 \u091f\u092a\u094d\u092a\u094d\u092f\u093e\u091f\u092a\u094d\u092a\u094d\u092f\u093e\u0928\u0947<\/h2>\n\n<p>CGTMSE \u0932\u093e \u090f\u0915 \u092e\u0942\u0915, \u0938\u0930\u0915\u093e\u0930-\u0938\u092e\u0930\u094d\u0925\u093f\u0924 \u091c\u093e\u092e\u0940\u0928\u0926\u093e\u0930 \u092e\u094d\u0939\u0923\u0942\u0928 \u0938\u092e\u091c\u093e \u091c\u094b \u0924\u0941\u092e\u091a\u094d\u092f\u093e\u0915\u0921\u0942\u0928 \u0915\u093e\u0939\u0940\u0939\u0940 \u092e\u093e\u0917\u0924 \u0928\u093e\u0939\u0940 \u2014 \u092a\u0923 \u092c\u0901\u0915\u0947\u0932\u093e \"\u0939\u094b\u092f\" \u092e\u094d\u0939\u0923\u0923\u094d\u092f\u093e\u0938\u093e\u0920\u0940 \u092a\u0942\u0930\u094d\u0923 \u0906\u0924\u094d\u092e\u0935\u093f\u0936\u094d\u0935\u093e\u0938 \u0926\u0947\u0924\u094b.<\/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\">\u0924\u0941\u092e\u094d\u0939\u0940 \u0938\u0926\u0938\u094d\u092f \u0915\u0930\u094d\u091c \u0938\u0902\u0938\u094d\u0925\u0947\u0915\u0921\u0947 (MLI) \u091c\u093e\u0924\u093e<\/div>\n      <p class=\"cg-flow-text translation-block\">CGTMSE \u0936\u0940 \u0928\u094b\u0902\u0926\u0923\u0940\u0915\u0943\u0924 \u0915\u094b\u0923\u0924\u094d\u092f\u093e\u0939\u0940 <strong data-no-auto-translation=\"\">\u0968\u096d\u096c \u092c\u0901\u0915\u093e \u0906\u0923\u093f NBFCs<\/strong> \u092e\u0927\u094d\u092f\u0947 \u091c\u093e \u2014 SBI, HDFC Bank, PNB, Bank of Baroda, Canara Bank, ICICI Bank, \u0906\u0923\u093f \u0907\u0924\u0930 \u0936\u0947\u0915\u0921\u094b \u092c\u0901\u0915\u093e. \u0935\u093f\u0936\u0947\u0937\u0924\u0903 CGTMSE-\u0938\u092e\u0930\u094d\u0925\u093f\u0924 \u0915\u0930\u094d\u091c\u093e\u091a\u0940 \u092e\u093e\u0917\u0923\u0940 \u0915\u0930\u093e.<\/p>\n      <span class=\"cg-flow-tag\">\u0924\u0941\u092e\u091a\u0940 \u092a\u0939\u093f\u0932\u0940 \u0915\u0943\u0924\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\">2<\/div>\n      <div class=\"cg-flow-line\"><\/div>\n    <\/div>\n    <div class=\"cg-flow-body\">\n      <div class=\"cg-flow-title\">\u092c\u0901\u0915 \u0924\u0941\u092e\u091a\u094d\u092f\u093e \u0935\u094d\u092f\u0935\u0938\u093e\u092f\u093e\u091a\u0947 \u092e\u0942\u0932\u094d\u092f\u093e\u0902\u0915\u0928 \u0915\u0930\u0924\u0947 \u2014 \u0924\u0941\u092e\u091a\u094d\u092f\u093e \u092e\u093e\u0932\u092e\u0924\u094d\u0924\u0947\u091a\u0947 \u0928\u093e\u0939\u0940<\/div>\n      <p class=\"cg-flow-text translation-block\">\u0915\u0930\u094d\u091c\u0926\u093e\u0924\u093e \u0924\u0941\u092e\u091a\u0940 \u0935\u094d\u092f\u0935\u0938\u093e\u092f \u0935\u094d\u092f\u0935\u0939\u093e\u0930\u094d\u092f\u0924\u093e, \u0930\u094b\u0916 \u092a\u094d\u0930\u0935\u093e\u0939, \u092a\u0930\u0924\u092b\u0947\u0921 \u0915\u094d\u0937\u092e\u0924\u093e, \u092a\u094d\u0930\u0915\u0932\u094d\u092a \u0905\u0939\u0935\u093e\u0932 \u0906\u0923\u093f Udyam \u0928\u094b\u0902\u0926\u0923\u0940 \u092f\u093e\u0902\u091a\u0947 \u092e\u0942\u0932\u094d\u092f\u093e\u0902\u0915\u0928 \u0915\u0930\u0924\u094b. <strong data-no-auto-translation=\"\">\u0915\u094b\u0923\u0924\u0947\u0939\u0940 \u0924\u093e\u0930\u0923 \u0917\u0939\u093e\u0923 \u0920\u0947\u0935\u0932\u0947 \u091c\u093e\u0924 \u0928\u093e\u0939\u0940.<\/strong> \u092e\u0942\u0932\u094d\u092f\u093e\u0902\u0915\u0928 \u092a\u0942\u0930\u094d\u0923\u092a\u0923\u0947 \u0917\u0941\u0923\u0935\u0924\u094d\u0924\u0947\u0935\u0930 \u0906\u0927\u093e\u0930\u093f\u0924 \u0906\u0939\u0947.<\/p>\n      <span class=\"cg-flow-tag\">\u092c\u0901\u0915\u0947\u091a\u0947 \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\u0901\u0915 \u0924\u0941\u092e\u091a\u0947 \u0915\u0930\u094d\u091c CGTMSE \u0915\u0921\u0947 \u0928\u094b\u0902\u0926\u0935\u0924\u0947<\/div>\n      <p class=\"cg-flow-text\">\u092e\u0902\u091c\u0941\u0930\u0940\u0928\u0902\u0924\u0930, \u092c\u0901\u0915 \u0915\u0930\u094d\u091c \u0928\u094b\u0902\u0926\u0923\u0940\u0938\u093e\u0920\u0940 CGTMSE \u0932\u093e \u0935\u093e\u0930\u094d\u0937\u093f\u0915 \u0939\u092e\u0940 \u0936\u0941\u0932\u094d\u0915 (AGF) \u092d\u0930\u0924\u0947. \u0939\u0947 \u0936\u0941\u0932\u094d\u0915 \u092c\u0901\u0915 \u092d\u0930\u0924\u0947 \u2014 \u091c\u0930\u0940 \u0915\u093e\u0939\u0940 \u092c\u0901\u0915\u093e \u0924\u0947 \u0915\u0930\u094d\u091c\u093e\u091a\u094d\u092f\u093e \u0916\u0930\u094d\u091a\u093e\u0924 \u0938\u092e\u093e\u0935\u093f\u0937\u094d\u091f \u0915\u0930\u0924\u093e\u0924.<\/p>\n      <span class=\"cg-flow-tag\">\u092a\u0921\u0926\u094d\u092f\u093e\u092e\u093e\u0917\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\u093e\u091a\u094d\u092f\u093e \u096d\u096b%\u2013\u096e\u096b% \u091a\u0940 \u0939\u092e\u0940 \u0926\u0947\u0924\u0947<\/div>\n      <p class=\"cg-flow-text\">\u0939\u092e\u0940 \u0915\u0930\u094d\u091c\u093e\u091a\u094d\u092f\u093e \u0938\u0902\u092a\u0942\u0930\u094d\u0923 \u0915\u093e\u0932\u093e\u0935\u0927\u0940\u0938\u093e\u0920\u0940 \u0932\u093e\u0917\u0942 \u0930\u093e\u0939\u0924\u0947. \u091c\u0930 \u0924\u0941\u092e\u094d\u0939\u0940 \u0920\u0930\u0932\u094d\u092f\u093e\u092a\u094d\u0930\u092e\u093e\u0923\u0947 \u092a\u0930\u0924\u092b\u0947\u0921 \u0915\u0947\u0932\u0940, \u0924\u0930 \u0939\u092e\u0940 \u0915\u0927\u0940\u091a \u0935\u093e\u092a\u0930\u0932\u0940 \u091c\u093e\u0924 \u0928\u093e\u0939\u0940 \u2014 \u0924\u0940 \u0915\u0947\u0935\u0933 \u092c\u0901\u0915\u0947\u0938\u093e\u0920\u0940 \u0938\u0941\u0930\u0915\u094d\u0937\u093e \u091c\u093e\u0933\u0940 \u092e\u094d\u0939\u0923\u0942\u0928 \u0905\u0938\u094d\u0924\u093f\u0924\u094d\u0935\u093e\u0924 \u0905\u0938\u0924\u0947.<\/p>\n      <span class=\"cg-flow-tag\">\u0939\u092e\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 \u0935\u093f\u0924\u0930\u093f\u0924 \u2014 \u0936\u0942\u0928\u094d\u092f \u0924\u093e\u0930\u0923 \u0917\u0939\u093e\u0923<\/div>\n      <p class=\"cg-flow-text\">\u0915\u094b\u0923\u0924\u0940\u0939\u0940 \u091c\u092e\u0940\u0928 \u0928\u093e\u0939\u0940. \u0915\u094b\u0923\u0924\u0940 \u0907\u092e\u093e\u0930\u0924 \u0928\u093e\u0939\u0940. \u0938\u094b\u0928\u0947 \u0928\u093e\u0939\u0940. \u092e\u0941\u0926\u0924 \u0920\u0947\u0935 \u0928\u093e\u0939\u0940. \u0935\u0948\u092f\u0915\u094d\u0924\u093f\u0915 \u091c\u093e\u092e\u0940\u0928\u0926\u093e\u0930 \u0928\u093e\u0939\u0940. \u092b\u0915\u094d\u0924 \u0924\u0941\u092e\u091a\u0940 \u0935\u094d\u092f\u0935\u0938\u093e\u092f \u092f\u094b\u091c\u0928\u093e, \u0924\u0941\u092e\u091a\u0940 Udyam \u0928\u094b\u0902\u0926\u0923\u0940 \u0906\u0923\u093f \u0924\u0941\u092e\u091a\u0940 \u092a\u0930\u0924\u092b\u0947\u0921\u0940\u091a\u0940 \u0935\u091a\u0928\u092c\u0926\u094d\u0927\u0924\u093e.<\/p>\n      <span class=\"cg-flow-tag\">\u0924\u0941\u092e\u094d\u0939\u093e\u0932\u093e \u0915\u0930\u094d\u091c \u092e\u093f\u0933\u0924\u0947<\/span>\n    <\/div>\n  <\/div>\n\n<\/div>\n\n<div class=\"cg-success\">\u2705 \u0938\u0902\u092a\u0942\u0930\u094d\u0923 \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e \u0924\u0941\u092e\u091a\u094d\u092f\u093e \u092c\u0901\u0915\u0947\u092e\u093e\u0930\u094d\u092b\u0924 \u0939\u094b\u0924\u0947. \u0924\u0941\u092e\u094d\u0939\u0940 \u0915\u094b\u0923\u0924\u094d\u092f\u093e\u0939\u0940 \u091f\u092a\u094d\u092a\u094d\u092f\u093e\u0935\u0930 CGTMSE \u0932\u093e \u0925\u0947\u091f \u092d\u0947\u091f \u0926\u0947\u0924 \u0928\u093e\u0939\u0940 \u0915\u093f\u0902\u0935\u093e \u0938\u0902\u092a\u0930\u094d\u0915 \u0938\u093e\u0927\u0924 \u0928\u093e\u0939\u0940.<\/div>\n\n<h2>\u0924\u093e\u0930\u0923\u093e\u0936\u093f\u0935\u093e\u092f \u0924\u0941\u092e\u094d\u0939\u093e\u0932\u093e \u0915\u093f\u0924\u0940 \u0915\u0930\u094d\u091c \u092e\u093f\u0933\u0942 \u0936\u0915\u0924\u0947?<\/h2>\n\n<p class=\"translation-block\">\u0915\u0947\u0902\u0926\u094d\u0930\u0940\u092f \u0905\u0930\u094d\u0925\u0938\u0902\u0915\u0932\u094d\u092a \u0968\u0966\u0968\u096b-\u0968\u096c, \u091c\u094b \u0905\u0930\u094d\u0925\u092e\u0902\u0924\u094d\u0930\u0940 \u0928\u093f\u0930\u094d\u092e\u0932\u093e \u0938\u0940\u0924\u093e\u0930\u093e\u092e\u0928 \u092f\u093e\u0902\u0928\u0940 <strong data-no-auto-translation=\"\">\u0967 \u092b\u0947\u092c\u094d\u0930\u0941\u0935\u093e\u0930\u0940 \u0968\u0966\u0968\u096b<\/strong> \u0930\u094b\u091c\u0940 \u0938\u093e\u0926\u0930 \u0915\u0947\u0932\u093e, \u0924\u094d\u092f\u093e\u0924 CGTMSE \u0939\u092e\u0940 \u092e\u0930\u094d\u092f\u093e\u0926\u093e \u20b9\u096b \u0915\u094b\u091f\u0940\u0902\u0935\u0930\u0942\u0928 \u20b9\u0967\u0966 \u0915\u094b\u091f\u0940\u0902\u092a\u0930\u094d\u092f\u0902\u0924 \u0926\u0941\u092a\u094d\u092a\u091f \u0915\u0930\u0923\u094d\u092f\u093e\u0924 \u0906\u0932\u0940 \u2014 <strong data-no-auto-translation=\"\">\u0967 \u090f\u092a\u094d\u0930\u093f\u0932 \u0968\u0966\u0968\u096b<\/strong> \u092a\u093e\u0938\u0942\u0928 \u0932\u093e\u0917\u0942.<\/p>\n\n<div class=\"cg-numbers\">\n  <div class=\"cg-numbers-title\">\u0905\u0930\u094d\u0925\u0938\u0902\u0915\u0932\u094d\u092a \u0968\u0966\u0968\u096b \u2014 CGTMSE \u0938\u093e\u0920\u0940 \u0915\u093e\u092f \u092c\u0926\u0932\u0932\u0947<\/div>\n  <div class=\"cg-numbers-grid\">\n    <div class=\"cg-num-item\">\n      <div class=\"cg-num-val\">\u20b9\u096b \u0915\u094b\u091f\u0940 \u2192 \u20b9\u0967\u0966 \u0915\u094b\u091f\u0940<\/div>\n      <div class=\"cg-num-desc\">\u0938\u0942\u0915\u094d\u0937\u094d\u092e \u0906\u0923\u093f \u0932\u0918\u0941 \u0909\u0926\u094d\u092f\u094b\u0917\u093e\u0902\u0938\u093e\u0920\u0940 \u0915\u092e\u093e\u0932 \u0924\u093e\u0930\u0923\u092e\u0941\u0915\u094d\u0924 \u0915\u0930\u094d\u091c \u0926\u0941\u092a\u094d\u092a\u091f<\/div>\n    <\/div>\n    <div class=\"cg-num-item\">\n      <div class=\"cg-num-val\">\u20b9\u0967.\u096b \u0932\u093e\u0916 \u0915\u094b\u091f\u0940<\/div>\n      <div class=\"cg-num-desc\">\u092a\u0941\u0922\u0940\u0932 \u092a\u093e\u091a \u0935\u0930\u094d\u0937\u093e\u0902\u0924 MSMEs \u0938\u093e\u0920\u0940 \u0905\u0902\u0926\u093e\u091c\u0947 \u0905\u0924\u093f\u0930\u093f\u0915\u094d\u0924 \u092a\u0924\u092a\u0941\u0930\u0935\u0920\u093e \u0909\u092a\u0932\u092c\u094d\u0927<\/div>\n    <\/div>\n    <div class=\"cg-num-item\">\n      <div class=\"cg-num-val\">\u0967 \u090f\u092a\u094d\u0930\u093f\u0932 \u0968\u0966\u0968\u096b<\/div>\n      <div class=\"cg-num-desc\">\u0938\u0941\u0927\u093e\u0930\u093f\u0924 \u20b9\u0967\u0966 \u0915\u094b\u091f\u0940 \u092e\u0930\u094d\u092f\u093e\u0926\u0947\u091a\u0940 \u092a\u094d\u0930\u092d\u093e\u0935\u0940 \u0924\u093e\u0930\u0940\u0916<\/div>\n    <\/div>\n    <div class=\"cg-num-item\">\n      <div class=\"cg-num-val\">\u20b9\u0967\u0966 \u0915\u094b\u091f\u0940 \u2192 \u20b9\u0968\u0966 \u0915\u094b\u091f\u0940<\/div>\n      <div class=\"cg-num-desc\">\u0938\u094d\u091f\u093e\u0930\u094d\u091f\u0905\u092a\u094d\u0938\u0938\u093e\u0920\u0940 \u0939\u092e\u0940 \u0938\u0902\u0930\u0915\u094d\u0937\u0923\u0939\u0940 \u0967% \u0928\u093e\u092e\u092e\u093e\u0924\u094d\u0930 \u0936\u0941\u0932\u094d\u0915\u093e\u0938\u0939 \u0926\u0941\u092a\u094d\u092a\u091f<\/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\u093e\u091a\u093e \u092a\u094d\u0930\u0915\u093e\u0930<\/th>\n      <th>\u0915\u092e\u093e\u0932 \u0938\u0902\u0930\u0915\u094d\u0937\u0923<\/th>\n      <th>\u0924\u093e\u0930\u0923 \u0906\u0935\u0936\u094d\u092f\u0915 \u0906\u0939\u0947 \u0915\u093e?<\/th>\n    <\/tr>\n  <\/thead>\n  <tbody>\n    <tr><td>\u092e\u0941\u0926\u0924 \u0915\u0930\u094d\u091c<\/td><td>\u20b9\u0967\u0966 \u0915\u094b\u091f\u0940\u0902\u092a\u0930\u094d\u092f\u0902\u0924<\/td><td class=\"cg-no\">\u0928\u093e\u0939\u0940<\/td><\/tr>\n    <tr><td>\u0916\u0947\u0933\u0924\u0947 \u092d\u093e\u0902\u0921\u0935\u0932<\/td><td>\u20b9\u0967\u0966 \u0915\u094b\u091f\u0940\u0902\u092a\u0930\u094d\u092f\u0902\u0924<\/td><td class=\"cg-no\">\u0928\u093e\u0939\u0940<\/td><\/tr>\n    <tr><td>\u0938\u0902\u092e\u093f\u0936\u094d\u0930 \u0915\u0930\u094d\u091c<\/td><td>\u20b9\u0967\u0966 \u0915\u094b\u091f\u0940\u0902\u092a\u0930\u094d\u092f\u0902\u0924<\/td><td class=\"cg-no\">\u0928\u093e\u0939\u0940<\/td><\/tr>\n    <tr><td>\u0938\u0902\u0915\u0930\u093f\u0924 \u0924\u093e\u0930\u0923 (\u0906\u0902\u0936\u093f\u0915)<\/td><td>\u0905\u0938\u0941\u0930\u0915\u094d\u0937\u093f\u0924 \u092d\u093e\u0917 \u20b9\u0967\u0966 \u0915\u094b\u091f\u0940\u0902\u092a\u0930\u094d\u092f\u0902\u0924<\/td><td>\u0915\u0947\u0935\u0933 \u0906\u0902\u0936\u093f\u0915<\/td><\/tr>\n  <\/tbody>\n<\/table>\n<\/div>\n<span class=\"cg-source\">\ud83d\udccb PIB PRID:\u0968\u0966\u096f\u096e\u0969\u096e\u096f \u00b7 SBI CGTMSE \u092a\u0943\u0937\u094d\u0920 \u00b7 [cgtmse.in](http:\/\/cgtmse.in) \u092f\u094b\u091c\u0928\u093e \u0926\u0938\u094d\u0924\u0910\u0935\u091c (\u091c\u093e\u0928\u0947\u0935\u093e\u0930\u0940 \u0968\u0966\u0968\u096b)<\/span>\n\n<h2>\u0915\u094b\u0923 \u092a\u093e\u0924\u094d\u0930 \u0906\u0939\u0947?<\/h2>\n\n<div class=\"cg-two-col\">\n  <div class=\"cg-col-card green\">\n    <h4>\u2705 \u0924\u0941\u092e\u094d\u0939\u0940 \u092a\u093e\u0924\u094d\u0930 \u0906\u0939\u093e\u0924 \u091c\u0930 \u0924\u0941\u092e\u094d\u0939\u0940<\/h4>\n    <ul>\n      <li>\u0928\u0935\u0940\u0928 \u0915\u093f\u0902\u0935\u093e \u0935\u093f\u0926\u094d\u092f\u092e\u093e\u0928 \u0938\u0942\u0915\u094d\u0937\u094d\u092e \u0915\u093f\u0902\u0935\u093e \u0932\u0918\u0941 \u0909\u0926\u094d\u092f\u094b\u0917<\/li>\n      <li>\u0909\u0924\u094d\u092a\u093e\u0926\u0928, \u0935\u094d\u092f\u093e\u092a\u093e\u0930 \u0915\u093f\u0902\u0935\u093e \u0938\u0947\u0935\u093e \u0915\u094d\u0937\u0947\u0924\u094d\u0930\u093e\u0924<\/li>\n      <li>Udyam \u092a\u094b\u0930\u094d\u091f\u0932\u0935\u0930 \u0928\u094b\u0902\u0926\u0923\u0940\u0915\u0943\u0924 (\u0905\u0928\u093f\u0935\u093e\u0930\u094d\u092f)<\/li>\n      <li>\u092e\u093e\u0932\u0915\u0940 \u0939\u0915\u094d\u0915, \u092d\u093e\u0917\u0940\u0926\u093e\u0930\u0940, LLP, \u0915\u093f\u0902\u0935\u093e \u0916\u093e\u091c\u0917\u0940\/\u0938\u093e\u0930\u094d\u0935\u091c\u0928\u093f\u0915 \u0932\u093f\u092e\u093f\u091f\u0947\u0921 \u0915\u0902\u092a\u0928\u0940<\/li>\n      <li>\u0915\u0930\u094d\u091c\u0926\u093e\u0924\u094d\u092f\u093e\u0926\u094d\u0935\u093e\u0930\u0947 \u0935\u094d\u092f\u0935\u0939\u093e\u0930\u094d\u092f \u092e\u094d\u0939\u0923\u0942\u0928 \u092e\u0942\u0932\u094d\u092f\u093e\u0902\u0915\u0928 \u0915\u0947\u0932\u0947\u0932\u0947<\/li>\n      <li>\u0915\u094b\u0923\u0924\u094d\u092f\u093e\u0939\u0940 \u0935\u093f\u0926\u094d\u092f\u092e\u093e\u0928 \u092c\u0901\u0915 \u0925\u0915\u092c\u093e\u0915\u0940 \u0915\u093f\u0902\u0935\u093e NPA \u092a\u093e\u0938\u0942\u0928 \u092e\u0941\u0915\u094d\u0924<\/li>\n    <\/ul>\n  <\/div>\n  <div class=\"cg-col-card red\">\n    <h4>\u274c \u0924\u0941\u092e\u094d\u0939\u0940 \u092a\u093e\u0924\u094d\u0930 \u0928\u093e\u0939\u0940 \u091c\u0930<\/h4>\n    <ul>\n      <li>\u0924\u0941\u092e\u091a\u093e \u0935\u094d\u092f\u0935\u0938\u093e\u092f \u0936\u0947\u0924\u0940 \u0915\u093f\u0902\u0935\u093e \u0938\u0902\u0932\u0917\u094d\u0928 \u0915\u094d\u0930\u093f\u092f\u093e\u0915\u0932\u093e\u092a\u093e\u0902\u092e\u0927\u094d\u092f\u0947 \u0906\u0939\u0947<\/li>\n      <li>\u0924\u0941\u092e\u094d\u0939\u0940 \u0938\u094d\u0935\u092f\u0902\u0938\u0939\u093e\u092f\u0924\u093e \u0917\u091f (SHG) \u0906\u0939\u093e\u0924<\/li>\n      <li>\u0924\u0941\u092e\u094d\u0939\u0940 \u0936\u0948\u0915\u094d\u0937\u0923\u093f\u0915 \u0915\u093f\u0902\u0935\u093e \u092a\u094d\u0930\u0936\u093f\u0915\u094d\u0937\u0923 \u0938\u0902\u0938\u094d\u0925\u093e \u091a\u093e\u0932\u0935\u0924\u093e<\/li>\n      <li>\u0924\u0941\u092e\u091a\u094d\u092f\u093e\u0915\u0921\u0947 \u0915\u094b\u0923\u0924\u094d\u092f\u093e\u0939\u0940 \u092c\u0901\u0915\u0947\u0924 \u0935\u093f\u0926\u094d\u092f\u092e\u093e\u0928 NPA \u0906\u0939\u0947<\/li>\n      <li>\u0924\u0941\u092e\u091a\u0947 \u0915\u0930\u094d\u091c \u0926\u0941\u0938\u0931\u094d\u092f\u093e \u0938\u0930\u0915\u093e\u0930\u0940 \u0939\u092e\u0940\u0928\u0947 \u0938\u0902\u0930\u0915\u094d\u0937\u093f\u0924 \u0906\u0939\u0947<\/li>\n      <li>\u0924\u0941\u092e\u091a\u093e \u0909\u0926\u094d\u092f\u094b\u0917 \u092e\u0927\u094d\u092f\u092e \u0909\u0926\u094d\u092f\u094b\u0917 \u0906\u0939\u0947<\/li>\n    <\/ul>\n  <\/div>\n<\/div>\n\n<div class=\"cg-callout\">\n  <div class=\"cg-callout-title\">\u26a0\ufe0f \u0905\u0928\u0947\u0915 \u0905\u0930\u094d\u091c\u0926\u093e\u0930 \u091a\u0941\u0915\u0935\u0924\u093e\u0924 \u0905\u0938\u093e \u092e\u0939\u0924\u094d\u0924\u094d\u0935\u093e\u091a\u093e \u092e\u0941\u0926\u094d\u0926\u093e<\/div>\n  <p class=\"translation-block\">CGTMSE \u0915\u0947\u0935\u0933 <strong data-no-auto-translation=\"\">\u0938\u0942\u0915\u094d\u0937\u094d\u092e \u0906\u0923\u093f \u0932\u0918\u0941 \u0909\u0926\u094d\u092f\u094b\u0917\u093e\u0902\u0928\u093e<\/strong> \u0938\u0902\u0930\u0915\u094d\u0937\u0923 \u0926\u0947\u0924\u0947 \u2014 \u092e\u0927\u094d\u092f\u092e \u0909\u0926\u094d\u092f\u094b\u0917\u093e\u0902\u0928\u093e \u0928\u093e\u0939\u0940. \u090f\u092a\u094d\u0930\u093f\u0932 \u0968\u0966\u0968\u096b \u091a\u094d\u092f\u093e \u0938\u0941\u0927\u093e\u0930\u093f\u0924 \u0935\u0930\u094d\u0917\u0940\u0915\u0930\u0923 \u092e\u0930\u094d\u092f\u093e\u0926\u093e\u0902\u0928\u0941\u0938\u093e\u0930, \u0932\u0918\u0941 \u092e\u094d\u0939\u0923\u0942\u0928 \u092a\u093e\u0924\u094d\u0930 \u0939\u094b\u0923\u094d\u092f\u093e\u0938\u093e\u0920\u0940 \u0924\u0941\u092e\u091a\u094d\u092f\u093e \u0909\u0926\u094d\u092f\u094b\u0917\u093e\u091a\u0940 \u0917\u0941\u0902\u0924\u0935\u0923\u0942\u0915 \u20b9\u0968\u096b \u0915\u094b\u091f\u0940\u0902\u092a\u0930\u094d\u092f\u0902\u0924 \u0906\u0923\u093f \u0909\u0932\u093e\u0922\u093e\u0932 \u20b9\u0967\u0966\u0966 \u0915\u094b\u091f\u0940\u0902\u092a\u0930\u094d\u092f\u0902\u0924 \u0905\u0938\u0923\u0947 \u0906\u0935\u0936\u094d\u092f\u0915 \u0906\u0939\u0947. \u0924\u094d\u092f\u093e\u092a\u0932\u0940\u0915\u0921\u0947, \u0924\u0941\u092e\u094d\u0939\u0940 \u092e\u0927\u094d\u092f\u092e \u0906\u0939\u093e\u0924 \u2014 \u0906\u0923\u093f CGTMSE \u0932\u093e\u0917\u0942 \u0939\u094b\u0924 \u0928\u093e\u0939\u0940.<\/p>\n  <p class=\"translation-block\">\u0906\u0927\u0940 \u0924\u0941\u092e\u091a\u0940 \u0936\u094d\u0930\u0947\u0923\u0940 \u0924\u092a\u093e\u0938\u093e: <a href=\"https:\/\/msmegyan.in\/mr\/calculator\/\" target=\"_self\">\u0906\u092e\u091a\u093e \u0935\u093f\u0928\u093e\u092e\u0942\u0932\u094d\u092f \u092a\u093e\u0924\u094d\u0930\u0924\u093e \u0915\u0945\u0932\u094d\u0915\u094d\u092f\u0941\u0932\u0947\u091f\u0930 \u0935\u093e\u092a\u0930\u093e \u2192<\/a><\/p>\n<\/div>\n<span class=\"cg-source\">\ud83d\udccb CGTMSE \u0905\u0927\u093f\u0915\u0943\u0924 \u092f\u094b\u091c\u0928\u093e \u0926\u0938\u094d\u0924\u0910\u0935\u091c (CGS-I) \u00b7 [cgtmse.in](http:\/\/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 \u0928\u094b\u0902\u0926\u0923\u0940 \u0939\u0940 \u090f\u0915\u092e\u0947\u0935 \u0905\u0928\u093f\u0935\u093e\u0930\u094d\u092f \u092a\u0942\u0930\u094d\u0935\u0905\u091f \u0906\u0939\u0947, \u0924\u094d\u092f\u093e\u0928\u0902\u0924\u0930\u091a \u092c\u0901\u0915 CGTMSE \u0905\u0902\u0924\u0930\u094d\u0917\u0924 \u0924\u0941\u092e\u091a\u0947 \u0915\u0930\u094d\u091c \u0928\u094b\u0902\u0926\u0935\u0942 \u0936\u0915\u0924\u0947 \u2014 \u0924\u094d\u092f\u093e\u0936\u093f\u0935\u093e\u092f \u0924\u093e\u0930\u0923\u092e\u0941\u0915\u094d\u0924 \u092e\u0902\u091c\u0941\u0930\u0940 \u0936\u0915\u094d\u092f \u0928\u093e\u0939\u0940.<\/div>\n<\/div>\n\n<h2>\u0915\u094b\u0923\u0924\u094d\u092f\u093e\u0939\u0940 \u092c\u0901\u0915\u0947\u0915\u0921\u0947 \u091c\u093e\u0923\u094d\u092f\u093e\u092a\u0942\u0930\u094d\u0935\u0940 \u0924\u0941\u092e\u094d\u0939\u0940 \u090f\u0915 \u0917\u094b\u0937\u094d\u091f \u0915\u0947\u0932\u0940\u091a \u092a\u093e\u0939\u093f\u091c\u0947<\/h2>\n\n<div class=\"cg-warning\">\n  <div class=\"cg-warning-title\">\u0939\u0947 \u0906\u0927\u0940 \u0915\u0930\u093e \u2014 \u0915\u094b\u0923\u0924\u094d\u092f\u093e\u0939\u0940 \u092c\u0901\u0915\u0947\u0924 \u091c\u093e\u0923\u094d\u092f\u093e\u092a\u0942\u0930\u094d\u0935\u0940<\/div>\n  <p class=\"translation-block\"><strong data-no-auto-translation=\"\">CGTMSE \u0939\u092e\u0940 \u0938\u0902\u0930\u0915\u094d\u0937\u0923\u093e\u0938\u093e\u0920\u0940 Udyam \u0928\u094b\u0902\u0926\u0923\u0940 \u0905\u0928\u093f\u0935\u093e\u0930\u094d\u092f \u0906\u0939\u0947.<\/strong> \u0935\u0948\u0927 Udyam \u0928\u094b\u0902\u0926\u0923\u0940 \u0915\u094d\u0930\u092e\u093e\u0902\u0915 (URN) \u0936\u093f\u0935\u093e\u092f, \u092c\u0901\u0915 CGTMSE \u0915\u0921\u0947 \u0924\u0941\u092e\u091a\u0947 \u0915\u0930\u094d\u091c \u0928\u094b\u0902\u0926\u0935\u0942 \u0936\u0915\u0924 \u0928\u093e\u0939\u0940 \u2014 \u092f\u093e\u091a\u093e \u0905\u0930\u094d\u0925 \u0924\u093e\u0930\u0923\u092e\u0941\u0915\u094d\u0924 \u0939\u092e\u0940 \u0932\u093e\u0917\u0942 \u0915\u0947\u0932\u0940 \u091c\u093e\u090a \u0936\u0915\u0924 \u0928\u093e\u0939\u0940, \u0906\u0923\u093f \u092c\u0901\u0915 \u0921\u0940\u092b\u0949\u0932\u094d\u091f\u0928\u0941\u0938\u093e\u0930 \u0924\u093e\u0930\u0923 \u092e\u093e\u0917\u0947\u0932.<\/p>\n  <p class=\"translation-block\">Udyam \u0928\u094b\u0902\u0926\u0923\u0940 <strong data-no-auto-translation=\"\">\u092a\u0942\u0930\u094d\u0923\u092a\u0923\u0947 \u0935\u093f\u0928\u093e\u092e\u0942\u0932\u094d\u092f<\/strong> \u0906\u0939\u0947 \u0906\u0923\u093f <strong data-no-auto-translation=\"\">[udyamregistration.gov.in](http:\/\/udyamregistration.gov.in)<\/strong> \u0935\u0930 \u0967\u0966 \u092e\u093f\u0928\u093f\u091f\u093e\u0902\u0924 \u0939\u094b\u0924\u0947.<\/p>\n  <p class=\"translation-block\">\u0905\u091c\u0942\u0928 Udyam \u0928\u093e\u0939\u0940? \u0935\u093e\u091a\u093e: <a href=\"https:\/\/msmegyan.in\/mr\/is-udyam-registration-free-zero-cost-msme-registration\/\" target=\"_self\">Udyam \u0928\u094b\u0902\u0926\u0923\u0940 \u0916\u0930\u094b\u0916\u0930\u091a \u0935\u093f\u0928\u093e\u092e\u0942\u0932\u094d\u092f \u0906\u0939\u0947 \u0915\u093e? \u0938\u0902\u092a\u0942\u0930\u094d\u0923 \u092e\u093e\u0930\u094d\u0917\u0926\u0930\u094d\u0936\u0915 \u0968\u0966\u0968\u096b \u2192<\/a><\/p>\n<\/div>\n\n<h2>\u0939\u092e\u0940 \u0938\u0902\u0930\u0915\u094d\u0937\u0923 \u2014 CGTMSE \u0915\u093f\u0924\u0940 \u091f\u0915\u094d\u0915\u0947 \u0938\u0902\u0930\u0915\u094d\u0937\u0923 \u0926\u0947\u0924\u0947?<\/h2>\n\n<p>CGTMSE \u0915\u0930\u094d\u091c\u093e\u091a\u094d\u092f\u093e \u0967\u0966\u0966% \u091a\u0940 \u0939\u092e\u0940 \u0926\u0947\u0924 \u0928\u093e\u0939\u0940 \u2014 \u0924\u0947 \u090f\u0915 \u092e\u094b\u0920\u093e \u092d\u093e\u0917 \u0938\u0902\u0930\u0915\u094d\u0937\u093f\u0924 \u0915\u0930\u0924\u0947, \u091c\u0947 \u092c\u0901\u0915\u0947\u0932\u093e \u0924\u093e\u0930\u0923\u093e\u0936\u093f\u0935\u093e\u092f \u0915\u0930\u094d\u091c \u0926\u0947\u0923\u094d\u092f\u093e\u0938\u093e\u0920\u0940 \u092a\u0941\u0930\u0947\u0938\u0947 \u0906\u0939\u0947.<\/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\u094b\u091c\u0915 \u00b7 SC\/ST \u0915\u0930\u094d\u091c\u0926\u093e\u0930 \u00b7 \u20b9\u096b \u0932\u093e\u0916\u093e\u0902\u092a\u0930\u094d\u092f\u0902\u0924 \u0938\u0942\u0915\u094d\u0937\u094d\u092e \u0915\u0930\u094d\u091c\u0947<\/div>\n  <\/div>\n  <div class=\"cg-cov-card\">\n    <div class=\"cg-cov-pct\">75%<\/div>\n    <div class=\"cg-cov-label\">\u0907\u0924\u0930 \u0938\u0930\u094d\u0935 \u0938\u0942\u0915\u094d\u0937\u094d\u092e \u0906\u0923\u093f \u0932\u0918\u0941 \u0909\u0926\u094d\u092f\u094b\u0917 (\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-\u0913\u0933\u0916\u0932\u0947\u0932\u094d\u092f\u093e \u092a\u0924\u0928\u094d\u092f\u0942\u0928 \u091c\u093f\u0932\u094d\u0939\u094d\u092f\u093e\u0902\u0924\u0940\u0932 \u0909\u0926\u094d\u092f\u094b\u0917<\/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 \u0909\u0926\u094d\u092f\u094b\u0917\u093e\u0902\u0938\u093e\u0920\u0940 \u0935\u093e\u0930\u094d\u0937\u093f\u0915 \u0939\u092e\u0940 \u0936\u0941\u0932\u094d\u0915\u093e\u0935\u0930 \u0938\u0942\u091f<\/div>\n  <\/div>\n<\/div>\n\n<p class=\"translation-block\"><strong data-no-auto-translation=\"\">\u0938\u094b\u092a\u094d\u092f\u093e \u092d\u093e\u0937\u0947\u0924 \u092f\u093e\u091a\u093e \u0905\u0930\u094d\u0925:<\/strong> \u091c\u0930 \u0924\u0941\u092e\u094d\u0939\u0940 \u20b9\u0968\u0966 \u0932\u093e\u0916 \u0915\u0930\u094d\u091c \u0918\u0947\u0924\u0932\u0947 \u0906\u0923\u093f \u0938\u0902\u0930\u0915\u094d\u0937\u0923 \u096d\u096b% \u0905\u0938\u0947\u0932, \u0924\u0930 CGTMSE \u092c\u0901\u0915\u0947\u0932\u093e \u20b9\u0967\u096b \u0932\u093e\u0916\u093e\u0902\u091a\u0940 \u0939\u092e\u0940 \u0926\u0947\u0924\u0947. \u091c\u0930 \u0924\u0941\u092e\u094d\u0939\u0940 \u091a\u0941\u0915\u0932\u093e\u0924, \u0924\u0930 \u092c\u0901\u0915 CGTMSE \u0915\u0921\u0942\u0928 \u20b9\u0967\u096b \u0932\u093e\u0916 \u0918\u0947\u0924\u0947. \u0909\u0930\u094d\u0935\u0930\u093f\u0924 \u20b9\u096b \u0932\u093e\u0916 \u092c\u0901\u0915\u0947\u091a\u0940 \u0938\u094d\u0935\u0924\u0903\u091a\u0940 \u091c\u094b\u0916\u0940\u092e \u0906\u0939\u0947 \u2014 \u092e\u094d\u0939\u0923\u0942\u0928\u091a \u092c\u0901\u0915\u093e \u0905\u091c\u0942\u0928\u0939\u0940 \u0924\u0941\u092e\u091a\u094d\u092f\u093e \u0935\u094d\u092f\u0935\u0938\u093e\u092f\u093e\u091a\u0947 \u0915\u093e\u0933\u091c\u0940\u092a\u0942\u0930\u094d\u0935\u0915 \u092e\u0942\u0932\u094d\u092f\u093e\u0902\u0915\u0928 \u0915\u0930\u0924\u093e\u0924. \u0939\u092e\u0940 \u0924\u093e\u0930\u0923\u093e\u091a\u0940 \u0906\u0935\u0936\u094d\u092f\u0915\u0924\u093e \u0915\u093e\u0922\u0942\u0928 \u091f\u093e\u0915\u0924\u0947, \u092a\u0924 \u091b\u093e\u0928\u0928\u0940 \u0928\u093e\u0939\u0940.<\/p>\n\n<span class=\"cg-source\">\ud83d\udccb [cgtmse.in](http:\/\/cgtmse.in) \u00b7 SMFG India Credit CGTMSE \u092e\u093e\u0930\u094d\u0917\u0926\u0930\u094d\u0936\u0915 \u00b7 Bankopedia CGTMSE \u092e\u093e\u0930\u094d\u0917\u0926\u0930\u094d\u0936\u0915 (\u0968\u0966\u0968\u096c)<\/span>\n\n<h2>\u0932\u092a\u0932\u0947\u0932\u093e \u092a\u0930\u094d\u092f\u093e\u092f \u2014 \u0938\u0902\u0915\u0930\u093f\u0924 \u0924\u093e\u0930\u0923 \u092e\u0949\u0921\u0947\u0932<\/h2>\n\n<div class=\"cg-hybrid\">\n  <div class=\"cg-hybrid-label\">\u0915\u092e\u0940 \u091c\u094d\u091e\u093e\u0924 \u0935\u0948\u0936\u093f\u0937\u094d\u091f\u094d\u092f \u2014 \u0968\u0966\u0967\u096e \u092e\u0927\u094d\u092f\u0947 \u0938\u0941\u0930\u0942 \u0915\u0947\u0932\u0947<\/div>\n  <div class=\"cg-hybrid-title\">\u0915\u093e\u0939\u0940 \u0924\u093e\u0930\u0923 \u0906\u0939\u0947 \u092a\u0923 \u0938\u0902\u092a\u0942\u0930\u094d\u0923 \u0915\u0930\u094d\u091c\u093e\u0938\u093e\u0920\u0940 \u092a\u0941\u0930\u0947\u0938\u0947 \u0928\u093e\u0939\u0940?<\/div>\n  <p style=\"font-size:15px;color:#444;margin-bottom:16px;\" class=\"translation-block\">\u0924\u0941\u092e\u094d\u0939\u093e\u0932\u093e \u0938\u0902\u092a\u0942\u0930\u094d\u0923 \u0924\u093e\u0930\u0923 \u0906\u0923\u093f \u0936\u0942\u0928\u094d\u092f \u0924\u093e\u0930\u0923 \u092f\u093e\u092a\u0948\u0915\u0940 \u090f\u0915 \u0928\u093f\u0935\u0921\u0923\u094d\u092f\u093e\u091a\u0940 \u0917\u0930\u091c \u0928\u093e\u0939\u0940. <strong data-no-auto-translation=\"\">\u0938\u0902\u0915\u0930\u093f\u0924 \u0924\u093e\u0930\u0923 \u092e\u0949\u0921\u0947\u0932<\/strong> \u0905\u0902\u0924\u0930\u094d\u0917\u0924 \u2014 \u0924\u0941\u092e\u094d\u0939\u0940 \u091c\u0947 \u0915\u093e\u0939\u0940 \u0906\u0902\u0936\u093f\u0915 \u0924\u093e\u0930\u0923 \u0906\u0939\u0947 \u0924\u0947 \u0917\u0939\u093e\u0923 \u0920\u0947\u0935\u093e, \u0906\u0923\u093f CGTMSE \u0905\u0938\u0941\u0930\u0915\u094d\u0937\u093f\u0924 \u0936\u0947\u0937 \u20b9\u0967\u0966 \u0915\u094b\u091f\u0940\u0902\u092a\u0930\u094d\u092f\u0902\u0924 \u0938\u0902\u0930\u0915\u094d\u0937\u093f\u0924 \u0915\u0930\u0924\u0947.<\/p>\n  <p style=\"font-size:14px;color:#666;margin-bottom:14px;\">\u0909\u0926\u093e\u0939\u0930\u0923: \u0924\u0941\u092e\u094d\u0939\u093e\u0932\u093e \u20b9\u0969\u0966 \u0932\u093e\u0916 \u0939\u0935\u0947 \u0906\u0939\u0947. \u0924\u0941\u092e\u091a\u094d\u092f\u093e\u0915\u0921\u0947 \u20b9\u096e \u0932\u093e\u0916 \u092e\u0942\u0932\u094d\u092f\u093e\u091a\u0947 \u0909\u092a\u0915\u0930\u0923 \u0906\u0939\u0947.<\/p>\n  <div class=\"cg-hybrid-row\">\n    <div class=\"cg-hybrid-seg partial\">\u20b9\u096e \u0932\u093e\u0916<span>\u0924\u0941\u092e\u091a\u0947 \u0906\u0902\u0936\u093f\u0915 \u0924\u093e\u0930\u0923 \u092c\u0901\u0915\u0947\u0915\u0921\u0947 \u0917\u0939\u093e\u0923<\/span><\/div>\n    <div class=\"cg-hybrid-seg covered\">\u20b9\u0968\u0968 \u0932\u093e\u0916<span>CGTMSE \u0939\u092e\u0940\u0926\u094d\u0935\u093e\u0930\u0947 \u0938\u0902\u0930\u0915\u094d\u0937\u093f\u0924 \u2014 \u0915\u094b\u0923\u0924\u0940\u0939\u0940 \u0905\u0924\u093f\u0930\u093f\u0915\u094d\u0924 \u0938\u0941\u0930\u0915\u094d\u0937\u093e \u0906\u0935\u0936\u094d\u092f\u0915 \u0928\u093e\u0939\u0940<\/span><\/div>\n  <\/div>\n  <p style=\"font-size:14px;color:#555;margin:14px 0 0;\">\u090f\u0915\u0942\u0923 \u0915\u0930\u094d\u091c = \u20b9\u0969\u0966 \u0932\u093e\u0916. \u0906\u0935\u0936\u094d\u092f\u0915 \u0905\u0924\u093f\u0930\u093f\u0915\u094d\u0924 \u0924\u093e\u0930\u0923 = \u20b9\u0966.<\/p>\n<\/div>\n\n<span class=\"cg-source\">\ud83d\udccb SBI CGTMSE \u092f\u094b\u091c\u0928\u093e \u092a\u0943\u0937\u094d\u0920 \u00b7 [cgtmse.in](http:\/\/cgtmse.in) \u0938\u0902\u0915\u0930\u093f\u0924 \u0924\u093e\u0930\u0923 \u092e\u0949\u0921\u0947\u0932 \u0926\u0938\u094d\u0924\u0910\u0935\u091c\u0940\u0915\u0930\u0923<\/span>\n\n<h2>\u0935\u093e\u0930\u094d\u0937\u093f\u0915 \u0939\u092e\u0940 \u0936\u0941\u0932\u094d\u0915 \u2014 \u0924\u094d\u092f\u093e\u091a\u0940 \u0915\u093f\u0902\u092e\u0924 \u0915\u093f\u0924\u0940 \u0906\u0939\u0947?<\/h2>\n\n<p class=\"translation-block\"><strong data-no-auto-translation=\"\">\u0935\u093e\u0930\u094d\u0937\u093f\u0915 \u0939\u092e\u0940 \u0936\u0941\u0932\u094d\u0915 (AGF)<\/strong> \u0915\u0930\u094d\u091c \u0926\u0947\u0923\u093e\u0931\u094d\u092f\u093e \u0938\u0902\u0938\u094d\u0925\u0947\u0932\u093e \u0906\u0915\u093e\u0930\u0932\u0947 \u091c\u093e\u0924\u0947 \u2014 \u0924\u0941\u092e\u094d\u0939\u093e\u0932\u093e \u0925\u0947\u091f \u0928\u093e\u0939\u0940. \u092c\u0901\u0915 CGTMSE \u0932\u093e \u092d\u0930\u0924\u0947. \u0905\u0928\u0947\u0915 \u092c\u0901\u0915\u093e \u0939\u0947 \u0915\u0930\u094d\u091c\u093e\u091a\u094d\u092f\u093e \u0916\u0930\u094d\u091a\u093e\u0924 \u0938\u092e\u093e\u0935\u093f\u0937\u094d\u091f \u0915\u0930\u0924\u093e\u0924. <strong data-no-auto-translation=\"\">\u0967 \u090f\u092a\u094d\u0930\u093f\u0932 \u0968\u0966\u0968\u096b<\/strong> \u092a\u093e\u0938\u0942\u0928 \u0932\u093e\u0917\u0942:<\/p>\n\n<div class=\"cg-table-wrap\">\n<table class=\"cg-table\">\n  <thead>\n    <tr><th>\u0915\u0930\u094d\u091c\u093e\u091a\u0940 \u0930\u0915\u094d\u0915\u092e<\/th><th>\u0935\u093e\u0930\u094d\u0937\u093f\u0915 \u0939\u092e\u0940 \u0936\u0941\u0932\u094d\u0915<\/th><th>\u0915\u094b\u0923 \u092d\u0930\u0924\u0947<\/th><\/tr>\n  <\/thead>\n  <tbody>\n    <tr><td>\u20b9\u0967\u0966 \u0932\u093e\u0916\u093e\u0902\u092a\u0930\u094d\u092f\u0902\u0924<\/td><td>\u0966.\u0969\u096d% \u092a\u094d\u0930\u0924\u093f\u0935\u0930\u094d\u0937<\/td><td>\u092c\u0901\u0915 (\u092a\u0941\u0922\u0947 \u0926\u0947\u090a \u0936\u0915\u0924\u0947)<\/td><\/tr>\n    <tr><td>\u20b9\u0967\u0966 \u0932\u093e\u0916 \u2013 \u20b9\u0967 \u0915\u094b\u091f\u0940<\/td><td>\u0915\u094d\u0930\u092e\u093f\u0915 \u0926\u0930<\/td><td>\u092c\u0901\u0915 (\u092a\u0941\u0922\u0947 \u0926\u0947\u090a \u0936\u0915\u0924\u0947)<\/td><\/tr>\n    <tr><td>\u20b9\u096e \u0915\u094b\u091f\u0940 \u2013 \u20b9\u0967\u0966 \u0915\u094b\u091f\u0940<\/td><td>\u0967.\u0968\u0966% \u092a\u094d\u0930\u0924\u093f\u0935\u0930\u094d\u0937<\/td><td>\u092c\u0901\u0915 (\u092a\u0941\u0922\u0947 \u0926\u0947\u090a \u0936\u0915\u0924\u0947)<\/td><\/tr>\n  <\/tbody>\n<\/table>\n<\/div>\n\n<p class=\"translation-block\"><strong data-no-auto-translation=\"\">ZED \u092a\u094d\u0930\u092e\u093e\u0923\u093f\u0924 \u0909\u0926\u094d\u092f\u094b\u0917\u093e\u0902\u0928\u093e<\/strong> \u0932\u093e\u0917\u0942 \u0936\u0941\u0932\u094d\u0915\u093e\u0935\u0930 <strong data-no-auto-translation=\"\">\u0967\u0966% \u0938\u0942\u091f<\/strong> \u092e\u093f\u0933\u0924\u0947. \u0905\u0927\u093f\u0938\u0942\u091a\u093f\u0924 \u0915\u094d\u0937\u0947\u0924\u094d\u0930\u093e\u0902\u0924\u0940\u0932 \u0909\u0926\u094d\u092f\u094b\u0917\u093e\u0902\u0928\u093e\u0939\u0940 \u0938\u0935\u0932\u0924\u0940 \u092e\u093f\u0933\u0924\u093e\u0924.<\/p>\n\n<span class=\"cg-source\">\ud83d\udccb [blog.jumpp.finance](http:\/\/blog.jumpp.finance) CGTMSE \u0936\u0941\u0932\u094d\u0915 \u092e\u093e\u0930\u094d\u0917\u0926\u0930\u094d\u0936\u0915 \u00b7 [cgtmse.in](http:\/\/cgtmse.in) \u092f\u094b\u091c\u0928\u093e \u0926\u0938\u094d\u0924\u0910\u0935\u091c (\u0967 \u090f\u092a\u094d\u0930\u093f\u0932 \u0968\u0966\u0968\u096b \u092a\u093e\u0938\u0942\u0928 \u0932\u093e\u0917\u0942)<\/span>\n\n<h2>\u0906\u0935\u0936\u094d\u092f\u0915 \u0915\u093e\u0917\u0926\u092a\u0924\u094d\u0930\u0947 \u2014 \u092c\u0901\u0915\u0947\u0924 \u0915\u093e\u092f \u0918\u0947\u090a\u0928 \u091c\u093e\u0935\u0947<\/h2>\n\n<ul>\n  <li class=\"translation-block\"><strong data-no-auto-translation=\"\">Udyam \u0928\u094b\u0902\u0926\u0923\u0940 \u092a\u094d\u0930\u092e\u093e\u0923\u092a\u0924\u094d\u0930<\/strong> \u2014 \u0905\u0928\u093f\u0935\u093e\u0930\u094d\u092f, \u0905\u092a\u0930\u093f\u0939\u093e\u0930\u094d\u092f<\/li>\n  <li class=\"translation-block\"><strong data-no-auto-translation=\"\">KYC \u0915\u093e\u0917\u0926\u092a\u0924\u094d\u0930\u0947<\/strong> \u2014 \u092e\u093e\u0932\u0915 \/ \u092d\u093e\u0917\u0940\u0926\u093e\u0930 \/ \u0938\u0902\u091a\u093e\u0932\u0915\u093e\u0902\u091a\u0947 Aadhaar, PAN<\/li>\n  <li class=\"translation-block\"><strong data-no-auto-translation=\"\">\u0935\u094d\u092f\u0935\u0938\u093e\u092f \u0928\u094b\u0902\u0926\u0923\u0940 \u092a\u0941\u0930\u093e\u0935\u093e<\/strong> \u2014 \u0938\u092e\u093e\u0935\u0947\u0936 \u092a\u094d\u0930\u092e\u093e\u0923\u092a\u0924\u094d\u0930, \u092d\u093e\u0917\u0940\u0926\u093e\u0930\u0940 \u0915\u0930\u093e\u0930, \u0907.<\/li>\n  <li class=\"translation-block\"><strong data-no-auto-translation=\"\">\u092c\u0901\u0915 \u0935\u093f\u0935\u0930\u0923\u092a\u0924\u094d\u0930\u0947<\/strong> \u2014 \u092e\u093e\u0917\u0940\u0932 \u096c\u2013\u0967\u0968 \u092e\u0939\u093f\u0928\u094d\u092f\u093e\u0902\u091a\u0947<\/li>\n  <li class=\"translation-block\"><strong data-no-auto-translation=\"\">\u092a\u094d\u0930\u093e\u092a\u094d\u0924\u093f\u0915\u0930 \u0935\u093f\u0935\u0930\u0923\u092a\u0924\u094d\u0930\u0947<\/strong> \u2014 \u092e\u093e\u0917\u0940\u0932 \u0968\u2013\u0969 \u0935\u0930\u094d\u0937\u093e\u0902\u091a\u0947 (\u0926\u093e\u0916\u0932 \u0915\u0947\u0932\u0947 \u0905\u0938\u0932\u094d\u092f\u093e\u0938)<\/li>\n  <li class=\"translation-block\"><strong data-no-auto-translation=\"\">GST \u0935\u093f\u0935\u0930\u0923\u092a\u0924\u094d\u0930\u0947<\/strong> \u2014 GST \u0928\u094b\u0902\u0926\u0923\u0940 \u0905\u0938\u0932\u094d\u092f\u093e\u0938<\/li>\n  <li class=\"translation-block\"><strong data-no-auto-translation=\"\">\u092a\u094d\u0930\u0915\u0932\u094d\u092a \u0905\u0939\u0935\u093e\u0932 \/ \u0935\u094d\u092f\u0935\u0938\u093e\u092f \u092f\u094b\u091c\u0928\u093e<\/strong> \u2014 \u0935\u093f\u0936\u0947\u0937\u0924\u0903 \u0928\u0935\u094d\u092f\u093e \u0935\u094d\u092f\u0935\u0938\u093e\u092f\u093e\u0902\u0938\u093e\u0920\u0940 \u0906\u0923\u093f \u092e\u094b\u0920\u094d\u092f\u093e \u0930\u0915\u092e\u093e\u0902\u0938\u093e\u0920\u0940 \u0905\u0924\u094d\u092f\u0902\u0924 \u092e\u0939\u0924\u094d\u0924\u094d\u0935\u093e\u091a\u0947<\/li>\n<\/ul>\n\n<div class=\"cg-callout\">\n  <div class=\"cg-callout-title\">\ud83d\udca1 \u092e\u0902\u091c\u0941\u0930\u0940 \u0906\u0923\u093f \u0928\u093e\u0915\u093e\u0930 \u092f\u093e\u0902\u091a\u094d\u092f\u093e\u0924 \u092b\u0930\u0915 \u0915\u0930\u0923\u093e\u0930\u0940 \u090f\u0915\u092e\u0947\u0935 \u0917\u094b\u0937\u094d\u091f<\/div>\n  <p class=\"translation-block\">\u0938\u0941\u0935\u094d\u092f\u0935\u0938\u094d\u0925\u093f\u0924 <strong data-no-auto-translation=\"\">\u092a\u094d\u0930\u0915\u0932\u094d\u092a \u0905\u0939\u0935\u093e\u0932<\/strong> \u0939\u093e CGTMSE \u0905\u0902\u0924\u0930\u094d\u0917\u0924 \u0938\u0930\u094d\u0935\u093e\u0924 \u092e\u0939\u0924\u094d\u0924\u094d\u0935\u093e\u091a\u093e \u090f\u0915\u092e\u0947\u0935 \u0918\u091f\u0915 \u0906\u0939\u0947. \u0939\u092e\u0940 \u092c\u0901\u0915\u0947\u0938\u093e\u0920\u0940 \u0924\u093e\u0930\u0923\u093e\u091a\u0940 \u091c\u094b\u0916\u0940\u092e \u0915\u093e\u0922\u0942\u0928 \u091f\u093e\u0915\u0924\u0947 \u2014 \u092a\u0923 \u092a\u0924 \u091c\u094b\u0916\u0940\u092e \u0928\u093e\u0939\u0940. \u092c\u0901\u0915\u0947\u0932\u093e \u0905\u091c\u0942\u0928\u0939\u0940 \u0924\u0941\u092e\u091a\u093e \u0935\u094d\u092f\u0935\u0938\u093e\u092f \u0935\u094d\u092f\u0935\u0939\u093e\u0930\u094d\u092f \u0905\u0938\u0932\u094d\u092f\u093e\u091a\u0947 \u092a\u091f\u0935\u0942\u0928 \u0926\u094d\u092f\u093e\u0935\u0947 \u0932\u093e\u0917\u0924\u0947. \u0924\u0941\u092e\u091a\u094d\u092f\u093e \u092a\u094d\u0930\u0915\u0932\u094d\u092a \u0905\u0939\u0935\u093e\u0932\u093e\u0935\u0930 \u0916\u0930\u094b\u0916\u0930 \u0935\u0947\u0933 \u0918\u093e\u0932\u0935\u093e. \u092c\u0901\u0915\u0947\u091a\u094d\u092f\u093e MSME \u0935\u093f\u092d\u093e\u0917\u093e\u0915\u0921\u0947 \u0924\u094d\u092f\u093e\u0902\u091a\u093e \u092e\u093e\u0928\u0915 \u0928\u092e\u0941\u0928\u093e \u092e\u093e\u0917\u093e.<\/p>\n<\/div>\n\n<h2>CGTMSE \u0935\u093f\u0930\u0941\u0926\u094d\u0927 \u0928\u093f\u092f\u092e\u093f\u0924 MSME \u0915\u0930\u094d\u091c \u2014 \u092e\u0941\u0916\u094d\u092f \u092b\u0930\u0915<\/h2>\n\n<div class=\"cg-table-wrap\">\n<table class=\"cg-table\">\n  <thead>\n    <tr><th>\u0935\u0948\u0936\u093f\u0937\u094d\u091f\u094d\u092f<\/th><th>\u0928\u093f\u092f\u092e\u093f\u0924 MSME \u0915\u0930\u094d\u091c<\/th><th>CGTMSE \u0915\u0930\u094d\u091c<\/th><\/tr>\n  <\/thead>\n  <tbody>\n    <tr><td>\u0924\u093e\u0930\u0923 \u0906\u0935\u0936\u094d\u092f\u0915<\/td><td>\u0938\u0939\u0938\u093e \u0939\u094b\u092f<\/td><td class=\"cg-no\">\u0928\u093e\u0939\u0940<\/td><\/tr>\n    <tr><td>\u0924\u0943\u0924\u0940\u092f-\u092a\u0915\u094d\u0937 \u091c\u093e\u092e\u0940\u0928\u0926\u093e\u0930<\/td><td>\u0905\u0928\u0947\u0915\u0926\u093e \u0906\u0935\u0936\u094d\u092f\u0915<\/td><td class=\"cg-no\">\u0906\u0935\u0936\u094d\u092f\u0915 \u0928\u093e\u0939\u0940<\/td><\/tr>\n    <tr><td>\u0915\u092e\u093e\u0932 \u0915\u0930\u094d\u091c<\/td><td>\u0924\u093e\u0930\u0923\u093e\u0935\u0930 \u0905\u0935\u0932\u0902\u092c\u0942\u0928<\/td><td class=\"cg-yes\">\u20b9\u0967\u0966 \u0915\u094b\u091f\u0940\u0902\u092a\u0930\u094d\u092f\u0902\u0924<\/td><\/tr>\n    <tr><td>\u0938\u0930\u0915\u093e\u0930\u0940 \u092a\u093e\u0920\u092c\u0933<\/td><td>\u0928\u093e\u0939\u0940<\/td><td class=\"cg-yes\">\u096d\u096b%\u2013\u096e\u096b% \u0939\u092e\u0940<\/td><\/tr>\n    <tr><td>Udyam \u0928\u094b\u0902\u0926\u0923\u0940 \u0906\u0935\u0936\u094d\u092f\u0915<\/td><td>\u0936\u093f\u092b\u093e\u0930\u0938 \u0915\u0947\u0932\u0947\u0932\u0947<\/td><td class=\"cg-yes\">\u0905\u0928\u093f\u0935\u093e\u0930\u094d\u092f<\/td><\/tr>\n    <tr><td>\u0938\u0930\u094d\u0935\u094b\u0924\u094d\u0924\u092e \u0938\u093e\u0920\u0940<\/td><td>\u092e\u093e\u0932\u092e\u0924\u094d\u0924\u093e-\u0938\u092e\u0943\u0926\u094d\u0927 \u0935\u094d\u092f\u0935\u0938\u093e\u092f<\/td><td class=\"cg-yes\">\u092a\u094d\u0930\u0925\u092e \u092a\u093f\u0922\u0940\u091a\u0947 \u0909\u0926\u094d\u092f\u094b\u091c\u0915, \u092e\u093e\u0932\u092e\u0924\u094d\u0924\u093e-\u0939\u0932\u0915\u0947 MSMEs<\/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 \u0968\u0966\u0966\u0966\u092a\u093e\u0938\u0942\u0928 \u096c\u096b \u0932\u093e\u0916\u093e\u0902\u0939\u0942\u0928 \u0905\u0927\u093f\u0915 \u0924\u093e\u0930\u0923\u092e\u0941\u0915\u094d\u0924 \u0935\u094d\u092f\u093e\u0935\u0938\u093e\u092f\u093f\u0915 \u0915\u0930\u094d\u091c\u0947 \u0909\u092a\u0932\u092c\u094d\u0927 \u0915\u0930\u0942\u0928 \u0926\u093f\u0932\u0940 \u0906\u0939\u0947\u0924 \u2014 \u092d\u093e\u0930\u0924\u093e\u0924\u0940\u0932 \u092a\u094d\u0930\u0924\u094d\u092f\u0947\u0915 \u0915\u094d\u0937\u0947\u0924\u094d\u0930 \u0906\u0923\u093f \u092a\u094d\u0930\u0924\u094d\u092f\u0947\u0915 \u0930\u093e\u091c\u094d\u092f\u093e\u0924\u0940\u0932 \u0909\u0926\u094d\u092f\u094b\u091c\u0915\u093e\u0902\u0928\u093e \u092e\u093e\u0932\u092e\u0924\u094d\u0924\u093e \u0917\u0939\u093e\u0923 \u0928 \u0920\u0947\u0935\u0924\u093e \u0935\u093e\u0922\u0923\u094d\u092f\u093e\u0938 \u092e\u0926\u0924 \u0915\u0947\u0932\u0940 \u0906\u0939\u0947.<\/div>\n<\/div>\n\n<h2>\u0915\u094b\u0923\u0924\u094d\u092f\u093e \u092c\u0901\u0915\u093e CGTMSE \u0915\u0930\u094d\u091c\u0947 \u0926\u0947\u0924\u093e\u0924?<\/h2>\n\n<p class=\"translation-block\">CGTMSE \u0915\u0921\u0947 <strong data-no-auto-translation=\"\">\u0968\u096d\u096c \u0938\u0926\u0938\u094d\u092f \u0915\u0930\u094d\u091c \u0938\u0902\u0938\u094d\u0925\u093e (MLIs)<\/strong> \u0906\u0939\u0947\u0924 \u2014 \u091c\u0935\u0933\u091c\u0935\u0933 \u0915\u094b\u0923\u0924\u094d\u092f\u093e\u0939\u0940 \u092a\u094d\u0930\u092e\u0941\u0916 \u092c\u0901\u0915\u0947\u0924 \u091c\u093e \u0906\u0923\u093f CGTMSE-\u0938\u092e\u0930\u094d\u0925\u093f\u0924 MSME \u0915\u0930\u094d\u091c\u093e\u091a\u0940 \u092e\u093e\u0917\u0923\u0940 \u0915\u0930\u093e:<\/p>\n\n<ul>\n  <li class=\"translation-block\">\u0938\u0930\u094d\u0935 \u092a\u094d\u0930\u092e\u0941\u0916 <strong data-no-auto-translation=\"\">\u0938\u093e\u0930\u094d\u0935\u091c\u0928\u093f\u0915 \u0915\u094d\u0937\u0947\u0924\u094d\u0930\u093e\u0924\u0940\u0932 \u092c\u0901\u0915\u093e<\/strong> \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 <strong data-no-auto-translation=\"\">\u0916\u093e\u091c\u0917\u0940 \u0915\u094d\u0937\u0947\u0924\u094d\u0930\u093e\u0924\u0940\u0932 \u092c\u0901\u0915\u093e<\/strong> \u2014 HDFC Bank, ICICI Bank, Axis Bank, Kotak Mahindra Bank<\/li>\n  <li class=\"translation-block\"><strong data-no-auto-translation=\"\">\u092a\u094d\u0930\u093e\u0926\u0947\u0936\u093f\u0915 \u0917\u094d\u0930\u093e\u092e\u0940\u0923 \u092c\u0901\u0915\u093e (RRBs)<\/strong> \u2014 \u0917\u094d\u0930\u093e\u092e\u0940\u0923 \u0906\u0923\u093f \u0928\u093f\u092e\u0936\u0939\u0930\u0940 MSMEs \u0938\u093e\u0920\u0940<\/li>\n  <li class=\"translation-block\">\u0928\u093f\u0935\u0921\u0915 <strong data-no-auto-translation=\"\">\u0928\u093e\u0917\u0930\u0940 \u0938\u0939\u0915\u093e\u0930\u0940 \u092c\u0901\u0915\u093e<\/strong><\/li>\n  <li class=\"translation-block\">CGTMSE \u0915\u0921\u0947 MLI \u092e\u094d\u0939\u0923\u0942\u0928 \u0928\u094b\u0902\u0926\u0923\u0940\u0915\u0943\u0924 \u0928\u093f\u0935\u0921\u0915 <strong data-no-auto-translation=\"\">NBFCs<\/strong><\/li>\n<\/ul>\n\n<div class=\"cg-success\">\u2705 \u0924\u0941\u092e\u094d\u0939\u0940 CGTMSE \u0915\u0921\u0947 \u0925\u0947\u091f \u091c\u093e\u0924 \u0928\u093e\u0939\u0940. \u0924\u0941\u092e\u094d\u0939\u0940 \u092c\u0901\u0915\u0947\u0915\u0921\u0947 \u091c\u093e\u0924\u093e. \u092c\u0901\u0915 \u0924\u0941\u092e\u091a\u094d\u092f\u093e\u0935\u0924\u0940\u0928\u0947 CGTMSE \u0928\u094b\u0902\u0926\u0923\u0940 \u0939\u093e\u0924\u093e\u0933\u0924\u0947 \u2014 \u0924\u0941\u092e\u094d\u0939\u093e\u0932\u093e \u092b\u0915\u094d\u0924 \u0935\u093f\u0936\u0947\u0937\u0924\u0903 \u0924\u094d\u092f\u093e\u091a\u0940 \u092e\u093e\u0917\u0923\u0940 \u0915\u0930\u093e\u092f\u091a\u0940 \u0906\u0939\u0947.<\/div>\n\n<h2>CGTMSE \u0905\u0902\u0924\u0930\u094d\u0917\u0924 \u0915\u093e\u092f \u0935\u093f\u0924\u094d\u0924\u092a\u0941\u0930\u0935\u0920\u093e \u0915\u0947\u0932\u093e \u091c\u093e\u090a \u0936\u0915\u0924 \u0928\u093e\u0939\u0940?<\/h2>\n\n<ul>\n  <li>DICGC \u0915\u093f\u0902\u0935\u093e RBI \u0939\u092e\u0940 \u092f\u094b\u091c\u0928\u093e\u0902\u0926\u094d\u0935\u093e\u0930\u0947 \u0906\u0927\u0940\u091a \u0938\u0902\u0930\u0915\u094d\u0937\u093f\u0924 \u0915\u0930\u094d\u091c\u0947<\/li>\n  <li>\u0938\u094d\u0935\u092f\u0902\u0938\u0939\u093e\u092f\u0924\u093e \u0917\u091f\u093e\u0902\u0928\u093e (SHGs) \u0915\u0930\u094d\u091c\u0947<\/li>\n  <li>\u0936\u0947\u0924\u0940, \u092e\u0924\u094d\u0938\u094d\u092f\u092a\u093e\u0932\u0928 \u0906\u0923\u093f \u092a\u0936\u0941\u0927\u0928\u093e\u0938\u093e\u0920\u0940 \u0915\u0930\u094d\u091c\u0947<\/li>\n  <li>\u0936\u0948\u0915\u094d\u0937\u0923\u093f\u0915 \u0906\u0923\u093f \u092a\u094d\u0930\u0936\u093f\u0915\u094d\u0937\u0923 \u0938\u0902\u0938\u094d\u0925\u093e\u0902\u0938\u093e\u0920\u0940 \u0915\u0930\u094d\u091c\u0947<\/li>\n  <li>\u0935\u093f\u0926\u094d\u092f\u092e\u093e\u0928 \u0924\u093e\u0930\u0923\u093e\u0935\u093f\u0930\u0941\u0926\u094d\u0927 \u092a\u0942\u0930\u094d\u0923\u092a\u0923\u0947 \u092e\u0902\u091c\u0942\u0930 \u0915\u0947\u0932\u0947\u0932\u0940 \u0915\u0930\u094d\u091c\u0947<\/li>\n  <li>\u0917\u094d\u0930\u093e\u0939\u0915 \u0915\u093f\u0902\u0935\u093e \u0917\u0948\u0930-\u0935\u094d\u092f\u093e\u0935\u0938\u093e\u092f\u093f\u0915 \u0939\u0947\u0924\u0942\u091a\u0940 \u0915\u0930\u094d\u091c\u0947<\/li>\n  <li>\u092e\u0927\u094d\u092f\u092e \u0909\u0926\u094d\u092f\u094b\u0917\u093e\u0902\u0928\u093e \u0915\u0930\u094d\u091c\u0947<\/li>\n<\/ul>\n\n<h2>\u0935\u093e\u0930\u0902\u0935\u093e\u0930 \u0935\u093f\u091a\u093e\u0930\u0932\u0947 \u091c\u093e\u0923\u093e\u0930\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\">\u092e\u0940 CGTMSE \u0935\u0947\u092c\u0938\u093e\u0907\u091f\u0935\u0930 \u0925\u0947\u091f CGTMSE \u0915\u0930\u094d\u091c\u093e\u0938\u093e\u0920\u0940 \u0905\u0930\u094d\u091c \u0915\u0930\u0942 \u0936\u0915\u0924\u094b \u0915\u093e?<\/div>\n    <p class=\"cg-faq-a\">\u0928\u093e\u0939\u0940. CGTMSE \u0915\u0930\u094d\u091c\u0926\u093e\u0930\u093e\u0902\u0928\u093e \u0925\u0947\u091f \u0915\u0930\u094d\u091c \u0926\u0947\u0924 \u0928\u093e\u0939\u0940. \u0924\u0941\u092e\u094d\u0939\u0940 \u0928\u094b\u0902\u0926\u0923\u0940\u0915\u0943\u0924 MLI \u0905\u0938\u0932\u0947\u0932\u094d\u092f\u093e \u092c\u0901\u0915 \u0915\u093f\u0902\u0935\u093e NBFC \u0915\u0921\u0947 \u091c\u093e\u0923\u0947 \u0906\u0935\u0936\u094d\u092f\u0915 \u0906\u0939\u0947. \u0924\u0941\u092e\u091a\u0947 \u0915\u0930\u094d\u091c \u092e\u0902\u091c\u0942\u0930 \u0915\u0947\u0932\u094d\u092f\u093e\u0928\u0902\u0924\u0930 \u092c\u0901\u0915 \u0924\u0941\u092e\u091a\u094d\u092f\u093e\u0935\u0924\u0940\u0928\u0947 CGTMSE \u0939\u092e\u0940 \u0938\u0902\u0930\u0915\u094d\u0937\u0923\u093e\u0938\u093e\u0920\u0940 \u0905\u0930\u094d\u091c \u0915\u0930\u0924\u0947.<\/p>\n  <\/div>\n\n  <div class=\"cg-faq-item\">\n    <div class=\"cg-faq-q\">\u092e\u093e\u091d\u094d\u092f\u093e\u0915\u0921\u0947 \u0906\u0927\u0940\u091a \u0917\u0943\u0939\u0915\u0930\u094d\u091c \u0915\u093f\u0902\u0935\u093e \u0935\u093e\u0939\u0928 \u0915\u0930\u094d\u091c \u0906\u0939\u0947. \u0924\u094d\u092f\u093e\u092e\u0941\u0933\u0947 \u092e\u0940 \u0905\u092a\u093e\u0924\u094d\u0930 \u0920\u0930\u0924\u094b \u0915\u093e?<\/div>\n    <p class=\"cg-faq-a translation-block\">\u0928\u093e\u0939\u0940. \u0935\u093f\u0926\u094d\u092f\u092e\u093e\u0928 \u0935\u0948\u092f\u0915\u094d\u0924\u093f\u0915 \u0915\u0930\u094d\u091c\u0947 \u0924\u0941\u092e\u091a\u094d\u092f\u093e CGTMSE \u092a\u093e\u0924\u094d\u0930\u0924\u0947\u0935\u0930 \u092a\u0930\u093f\u0923\u093e\u092e \u0915\u0930\u0924 \u0928\u093e\u0939\u0940\u0924. \u0924\u0925\u093e\u092a\u093f, \u091c\u0930 \u0924\u0941\u092e\u091a\u094d\u092f\u093e\u0915\u0921\u0947 \u0915\u094b\u0923\u0924\u094d\u092f\u093e\u0939\u0940 \u092c\u0901\u0915\u0947\u0924 <strong data-no-auto-translation=\"\">NPA \u092e\u094d\u0939\u0923\u0942\u0928 \u0935\u0930\u094d\u0917\u0940\u0915\u0943\u0924 \u0935\u094d\u092f\u093e\u0935\u0938\u093e\u092f\u093f\u0915 \u0915\u0930\u094d\u091c<\/strong> \u0905\u0938\u0947\u0932, \u0924\u0930 \u0924\u0941\u092e\u094d\u0939\u0940 \u0928\u0935\u094d\u092f\u093e \u0938\u0941\u0935\u093f\u0927\u0947\u0935\u0930 CGTMSE \u0938\u0902\u0930\u0915\u094d\u0937\u0923\u093e\u0938\u093e\u0920\u0940 \u092a\u093e\u0924\u094d\u0930 \u0928\u093e\u0939\u0940.<\/p>\n  <\/div>\n\n  <div class=\"cg-faq-item\">\n    <div class=\"cg-faq-q\">\u092e\u093e\u091d\u093e \u0935\u094d\u092f\u0935\u0938\u093e\u092f \u0906\u0927\u0940\u091a \u092b\u093e\u092f\u0926\u0947\u0936\u0940\u0930 \u0905\u0938\u0923\u0947 \u0906\u0935\u0936\u094d\u092f\u0915 \u0906\u0939\u0947 \u0915\u093e?<\/div>\n    <p class=\"cg-faq-a\">\u092c\u0901\u0915\u0947\u0928\u0947 \u0924\u0941\u092e\u091a\u093e \u0935\u094d\u092f\u0935\u0938\u093e\u092f \u0935\u094d\u092f\u0935\u0939\u093e\u0930\u094d\u092f \u0906\u0923\u093f \u091a\u093e\u0902\u0917\u0932\u094d\u092f\u093e \u0928\u094b\u0902\u0926\u0940\u0938\u0939 \u092b\u093e\u092f\u0926\u0947\u0936\u0940\u0930 \u092e\u094d\u0939\u0923\u0942\u0928 \u092e\u0942\u0932\u094d\u092f\u093e\u0902\u0915\u0928 \u0915\u0947\u0932\u0947 \u092a\u093e\u0939\u093f\u091c\u0947. \u0928\u0935\u094d\u092f\u093e \u0909\u0926\u094d\u092f\u094b\u0917\u093e\u0902\u0938\u093e\u0920\u0940, \u0935\u094d\u092f\u0935\u0939\u093e\u0930\u094d\u092f\u0924\u093e \u0935\u094d\u092f\u0935\u0938\u093e\u092f \u092f\u094b\u091c\u0928\u093e \u0906\u0923\u093f \u0905\u0902\u0926\u093e\u091c\u093f\u0924 \u0930\u094b\u0916 \u092a\u094d\u0930\u0935\u093e\u0939\u093e\u0935\u0930 \u0906\u0927\u093e\u0930\u093f\u0924 \u0920\u0930\u0935\u0932\u0940 \u091c\u093e\u0924\u0947. \u0939\u092e\u0940 \u0924\u093e\u0930\u0923\u093e\u091a\u0940 \u0906\u0935\u0936\u094d\u092f\u0915\u0924\u093e \u0915\u093e\u0922\u0942\u0928 \u091f\u093e\u0915\u0924\u0947 \u2014 \u092a\u0924 \u092e\u0942\u0932\u094d\u092f\u093e\u0902\u0915\u0928 \u0928\u093e\u0939\u0940.<\/p>\n  <\/div>\n\n  <div class=\"cg-faq-item\">\n    <div class=\"cg-faq-q\">\u092e\u0927\u094d\u092f\u092e \u0909\u0926\u094d\u092f\u094b\u0917 CGTMSE \u0938\u093e\u0920\u0940 \u092a\u093e\u0924\u094d\u0930 \u0906\u0939\u0947 \u0915\u093e?<\/div>\n    <p class=\"cg-faq-a\">\u0928\u093e\u0939\u0940. CGTMSE \u0915\u0947\u0935\u0933 \u0938\u0942\u0915\u094d\u0937\u094d\u092e \u0906\u0923\u093f \u0932\u0918\u0941 \u0909\u0926\u094d\u092f\u094b\u0917\u093e\u0902\u0928\u093e \u0938\u0902\u0930\u0915\u094d\u0937\u0923 \u0926\u0947\u0924\u0947. \u092e\u0927\u094d\u092f\u092e \u0909\u0926\u094d\u092f\u094b\u0917 \u0935\u0917\u0933\u0932\u0947\u0932\u0947 \u0906\u0939\u0947\u0924. \u0905\u0930\u094d\u091c \u0915\u0930\u0923\u094d\u092f\u093e\u092a\u0942\u0930\u094d\u0935\u0940 \u090f\u092a\u094d\u0930\u093f\u0932 \u0968\u0966\u0968\u096b \u091a\u094d\u092f\u093e \u0938\u0941\u0927\u093e\u0930\u093f\u0924 \u092e\u0930\u094d\u092f\u093e\u0926\u093e\u0902\u0928\u0941\u0938\u093e\u0930 \u0924\u0941\u092e\u091a\u0947 \u0935\u0930\u094d\u0917\u0940\u0915\u0930\u0923 \u0924\u092a\u093e\u0938\u093e.<\/p>\n  <\/div>\n\n  <div class=\"cg-faq-item\">\n    <div class=\"cg-faq-q\">\u092e\u093e\u091d\u0947 \u0915\u0930\u094d\u091c CGTMSE \u0905\u0902\u0924\u0930\u094d\u0917\u0924 \u0928\u094b\u0902\u0926\u0923\u0940\u0915\u0943\u0924 \u0906\u0939\u0947 \u092f\u093e\u091a\u0940 \u092e\u0940 \u0915\u0936\u0940 \u0916\u093e\u0924\u094d\u0930\u0940 \u0915\u0930\u0942?<\/div>\n    <p class=\"cg-faq-a translation-block\">\u0924\u0941\u092e\u091a\u094d\u092f\u093e \u092c\u0901\u0915\u0947\u0932\u093e CGTMSE \u0915\u0921\u0942\u0928 \u0928\u094b\u0902\u0926\u0923\u0940\u0935\u0947\u0933\u0940 \u091c\u093e\u0930\u0940 \u0915\u0947\u0932\u0947\u0932\u093e <strong data-no-auto-translation=\"\">Credit Guarantee Number (CGN)<\/strong> \u0938\u093e\u092e\u093e\u092f\u093f\u0915 \u0915\u0930\u0923\u094d\u092f\u093e\u0938 \u0938\u093e\u0902\u0917\u093e. \u0939\u0947 \u0924\u0941\u092e\u091a\u094d\u092f\u093e \u0915\u0930\u094d\u091c\u093e\u0935\u0930 \u0939\u092e\u0940 \u0938\u0902\u0930\u0915\u094d\u0937\u0923 \u0938\u0915\u094d\u0930\u093f\u092f \u0905\u0938\u0932\u094d\u092f\u093e\u091a\u0940 \u0924\u0941\u092e\u091a\u0940 \u0932\u0947\u0916\u0940 \u092a\u0941\u0937\u094d\u091f\u0940 \u0906\u0939\u0947.<\/p>\n  <\/div>\n\n  <div class=\"cg-faq-item\">\n    <div class=\"cg-faq-q\">\u0905\u0928\u0947\u0915 \u092c\u0901\u0915\u093e\u0902\u0928\u0940 \u092e\u093e\u091d\u093e \u0905\u0930\u094d\u091c \u0928\u093e\u0915\u093e\u0930\u0932\u093e. \u092e\u0940 \u0915\u093e\u092f \u0915\u0930\u093e\u0935\u0947?<\/div>\n    <p class=\"cg-faq-a translation-block\">\u0939\u093e\u0930 \u092e\u093e\u0928\u0942 \u0928\u0915\u093e. \u092a\u094d\u0930\u0924\u094d\u092f\u0947\u0915 \u092c\u0901\u0915\u0947\u091a\u0947 \u0935\u0947\u0917\u0933\u0947 \u0905\u0902\u0924\u0930\u094d\u0917\u0924 \u092a\u0924\u0927\u094b\u0930\u0923 \u0905\u0938\u0924\u0947. \u091a\u0941\u0915\u093e\u0902\u0938\u093e\u0920\u0940 \u0924\u0941\u092e\u091a\u093e CIBIL \u0938\u094d\u0915\u094b\u0930 \u0924\u092a\u093e\u0938\u093e ([cibil.com](http:\/\/cibil.com) \u0935\u0930 \u0935\u0930\u094d\u0937\u093e\u0924\u0942\u0928 \u090f\u0915\u0926\u093e \u0935\u093f\u0928\u093e\u092e\u0942\u0932\u094d\u092f). <strong data-no-auto-translation=\"\">Udyam Mitra \u092a\u094b\u0930\u094d\u091f\u0932 ([udyammitra.in](http:\/\/udyammitra.in))<\/strong> \u0935\u093f\u091a\u093e\u0930\u093e\u0924 \u0918\u094d\u092f\u093e \u2014 \u090f\u0915 \u0938\u0930\u0915\u093e\u0930\u0940 \u092e\u0902\u091a \u091c\u094b CGTMSE \u0905\u0902\u0924\u0930\u094d\u0917\u0924 MSMEs \u0932\u093e \u0915\u0930\u094d\u091c\u0926\u093e\u0924\u094d\u092f\u093e\u0902\u0936\u0940 \u091c\u094b\u0921\u0924\u094b. MLI \u092e\u094d\u0939\u0923\u0942\u0928 \u0928\u094b\u0902\u0926\u0923\u0940\u0915\u0943\u0924 \u0928\u093f\u0935\u0921\u0915 NBFCs \u0915\u0921\u0947\u0939\u0940 \u091c\u093e, \u091c\u094d\u092f\u093e\u0902\u091a\u0947 \u092e\u0942\u0932\u094d\u092f\u093e\u0902\u0915\u0928 \u0928\u093f\u0915\u0937 \u0905\u0928\u0947\u0915\u0926\u093e \u0905\u0927\u093f\u0915 \u0932\u0935\u091a\u093f\u0915 \u0905\u0938\u0924\u093e\u0924.<\/p>\n  <\/div>\n\n<\/div>\n\n<!-- \u2550\u2550 CTA \u2550\u2550 -->\n<div class=\"cg-cta\">\n  <div class=\"cg-cta-eyebrow\">\u0924\u0941\u092e\u091a\u0940 \u092a\u0941\u0922\u0940\u0932 \u092a\u093e\u092f\u0930\u0940<\/div>\n  <div class=\"cg-cta-title\">\u092a\u094d\u0930\u0925\u092e \u2014 \u0924\u0941\u092e\u094d\u0939\u0940 \u0938\u0942\u0915\u094d\u0937\u094d\u092e \u0915\u093f\u0902\u0935\u093e \u0932\u0918\u0941 \u0909\u0926\u094d\u092f\u094b\u0917 \u0906\u0939\u093e\u0924 \u092f\u093e\u091a\u0940 \u0916\u093e\u0924\u094d\u0930\u0940 \u0915\u0930\u093e<\/div>\n  <div class=\"cg-cta-sub\">CGTMSE \u0915\u0947\u0935\u0933 \u0938\u0942\u0915\u094d\u0937\u094d\u092e \u0906\u0923\u093f \u0932\u0918\u0941 \u0909\u0926\u094d\u092f\u094b\u0917\u093e\u0902\u0938\u093e\u0920\u0940 \u0909\u092a\u0932\u092c\u094d\u0927 \u0906\u0939\u0947. \u092c\u0901\u0915\u0947\u0924 \u091c\u093e\u0923\u094d\u092f\u093e\u092a\u0942\u0930\u094d\u0935\u0940, \u096c\u0966 \u0938\u0947\u0915\u0902\u0926\u093e\u0924 \u0924\u0941\u092e\u091a\u0940 \u0936\u094d\u0930\u0947\u0923\u0940 \u0928\u093f\u0936\u094d\u091a\u093f\u0924 \u0915\u0930\u093e \u2014 \u0906\u0923\u093f \u0924\u0941\u092e\u094d\u0939\u0940 \u0907\u0924\u0930 \u0915\u094b\u0923\u0924\u094d\u092f\u093e \u092f\u094b\u091c\u0928\u093e\u0902\u0938\u093e\u0920\u0940 (Mudra Loan, PMEGP) \u092a\u093e\u0924\u094d\u0930 \u0906\u0939\u093e\u0924 \u0924\u0947 \u0936\u094b\u0927\u093e.<\/div>\n  <a href=\"https:\/\/msmegyan.in\/mr\/calculator\/\" class=\"cg-cta-btn\">\u0924\u0941\u092e\u091a\u0940 MSME \u092a\u093e\u0924\u094d\u0930\u0924\u093e \u0935\u093f\u0928\u093e\u092e\u0942\u0932\u094d\u092f \u0924\u092a\u093e\u0938\u093e \u2192<\/a>\n  <div class=\"cg-cta-note\">\u0935\u093f\u0928\u093e\u092e\u0942\u0932\u094d\u092f \u00b7 \u0932\u0949\u0917\u093f\u0928 \u0928\u093e\u0939\u0940 \u00b7 \u096c\u0966 \u0938\u0947\u0915\u0902\u0926\u093e\u0924 \u0928\u093f\u0915\u093e\u0932<\/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\">\u092c\u0901\u0915\u0947\u0928\u0947 \"\u0928\u093e\u0939\u0940\" \u092e\u094d\u0939\u091f\u0932\u0947 \u0915\u093e\u0930\u0923 \u0924\u0941\u092e\u091a\u094d\u092f\u093e\u0915\u0921\u0947 \u0924\u093e\u0930\u0923 \u0928\u093e\u0939\u0940. \u092a\u0923 \u090f\u0915<br>\n\u0938\u0930\u0915\u093e\u0930\u0940 \u092a\u0930\u094d\u092f\u093e\u092f \u0906\u0939\u0947 \u091c\u094b \u092c\u0939\u0941\u0924\u0947\u0915 MSME \u092e\u093e\u0932\u0915\u093e\u0902\u0928\u093e \u0915\u0927\u0940\u091a \u0938\u093e\u092a\u0921\u0924 \u0928\u093e\u0939\u0940.<br>\n\u0924\u094d\u092f\u093e\u0932\u093e CGTMSE \u092e\u094d\u0939\u0923\u0924\u093e\u0924 \u2014 \u0906\u0923\u093f \u0924\u0947 \u0924\u0941\u092e\u094d\u0939\u093e\u0932\u093e \u092e\u093e\u0932\u092e\u0924\u094d\u0924\u093e,<br>\n\u0938\u094b\u0928\u0947 \u0915\u093f\u0902\u0935\u093e \u0935\u0948\u092f\u0915\u094d\u0924\u093f\u0915 \u0939\u092e\u0940\u0926\u093e\u0930\u093e\u0936\u093f\u0935\u093e\u092f \u20b910 \u0915\u094b\u091f\u0940\u0902\u092a\u0930\u094d\u092f\u0902\u0924<br>\nMSME \u092f\u094b\u091c\u0928\u093e\u0902\u0905\u0902\u0924\u0930\u094d\u0917\u0924 \u0924\u093e\u0930\u0923-\u092e\u0941\u0915\u094d\u0924 \u0915\u0930\u094d\u091c \u092e\u093f\u0933\u0935\u0942 \u0926\u0947\u0924\u0947. \u0924\u0947 \u0928\u0947\u092e\u0915\u0947 \u0915\u0938\u0947 \u0915\u093e\u0930\u094d\u092f \u0915\u0930\u0924\u0947<br>\n\u0906\u0923\u093f \u0924\u0947 \u0915\u0938\u0947 \u0935\u093e\u092a\u0930\u093e\u0935\u0947 \u0924\u0947 \u092f\u0947\u0925\u0947 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