Take Advantage of Government-Backed Schemes Up to ₹10 Cr Loan at Subsidised Interest Rates
CGTMSE Loan
A CGTMSE Loan is a collateral-free business loan for MSMEs, backed by a Government of India guarantee under the CGTMSE framework. It helps eligible businesses secure funding without pledging property or third-party security.
Key Features:
- Available with minimum 1 year of financials
- Can be availed through public and private sector banks
- Offered to MSMEs for growth, expansion, or working capital
- No collateral or third-party guarantee required
- Loan is covered under the CGTMSE government guarantee scheme
- Used for working capital, machinery purchase, or expansion
- Loan amount can go up to ₹10 Crore, subject to eligibility
- Term Loan: Repaid through EMIs
- CC/OD Limit: Interest payable only on the utilised amount, limit renewed annually
CGSS Loan (Credit Guarantee Scheme for Startups)
A CGSS Loan is a government-backed, collateral-free loan designed specifically for eligible startups, supported under the Credit Guarantee Scheme for Startups (CGSS) by the Government of India.
Key Features:
- Sponsored by the Government of India
- Available to startups incorporated after 2014
- DPIIT registration certificate is mandatory
- Loans assessed based on business projections and early profitability
- Designed to support DPIIT-registered startups
- No collateral or third-party guarantee required
- Loan backed by the CGSS government guarantee
- Used for business growth, working capital, or innovation
- Loan amount depends on startup eligibility and lender policy
- Repayment done through EMIs over a fixed tenure
Hybrid Scheme Loan (Term Loan + OD/CC)
A Hybrid Scheme Loan combines a Term Loan and an OD/CC facility into one structured solution, catering to both long-term and short-term business needs.
- Combines Term Loan for expansion/https://peoplefinancials.com/wp-content/themes/peoplefinancials/assets and OD/CC for working capital
- Improves cash flow flexibility and financial control
- Interest charged only on the utilised OD/CC amount
- Helps optimise overall interest cost through structured funding
- Suitable for MSMEs and fast-growing businesses
Take CA Prabhat's Expert help to get Collateral-free Loans under the CGTMSE Scheme.
Only for MSMEs
Loan up to ₹10 crore
Lowest rate of interest
Up to 75-85% credit guarantee
Talk to Loan Experts to Plan Your Loan the Right Way
Assessment of the best interest rates and the optimal loan amount based on your profile
Clear understanding of how Loan Against Property works for timely and smooth execution
Detailed guidance on documentation required to improve approval chances
Avoid delays and rejections by knowing the right documentation banks look for in a in a Loan Application
Many Business Owners say, “We’ll directly speak with the bank.” Here is how working with loan experts helps you.
| People Financials | Banks |
|---|---|
| Best available interest rate in the Market | Bank offer only their standard rates with no customization |
| Customized Loan Terms as per requirement | Fixed Bank Terms and conditions |
| Zero pre-closure charges | Pre-closure charges available |
| Guidance from dedicated Loan Experts | Guided by multi-product sales person |
| Dedicated single point of contact | Frequent changes in Relationship Manager |
| Lifetime service at no extra cost | No after-sales service |
Why PeopleFinancials Is the
Trusted
Choice
for MSMEs
| People Financials | Other firms |
|---|---|
| CIBIL Guidance available | No CIBIL guidance provided |
| Good connection with Banks, Senior Management for smooth sanction | Very less connection with Senior Management team |
| Assistance in choosing a bank to resolve legal issues | No support for legal issues |
| 100% Support in selecting a Right loan product | Focuses on documentation |
| A qualified CA with 20 years of Banking experience, offering deeper financial understanding. | Basic finance knowledge and channel partners support |
| 89+ banks and financial institutions as channel partners | Depending from firm to firm, it varies |
Frequently Asked Questions
Both are government-backed, collateral-free loan schemes designed to improve funding access.
CGTMSE is for MSMEs with financial history, while CGSS is for DPIIT-registered startups.
MSMEs with at least one year of financials and viable cash flows.
Startups incorporated after 2014 with DPIIT registration and strong projections.
CGTMSE loans can go up to ₹10 Crore, while CGSS limits depend on startup eligibility and lender policy.
