The government of Delhi launched a new collateral-free loan scheme named as Delhi CGTMSE Collateral-Free Loan Scheme for MSMEs. Under this scheme government and CGTMSE provide loans up to ₹10 crore to support and help Micro, Small, and Medium Enterprises (MSMEs). Through this scheme government wants to ensure employment opportunities for all the residents across the state. If you’re a permanent resident of Delhi and wish to avail the benefits of this scheme.
then keep reading this article till the end because in this article we will discuss about Delhi Govt & CGTMSE Collateral-Free Scheme, objective, benefits, eligibility, ineligibility, required documents, how to apply for the MSME Loans scheme, and other important information.
Contents
About Delhi Govt & CGTMSE Collateral-Free Loan Scheme
The Delhi Govt & CGTMSE Collateral-Free Loan Scheme is a collateral-free loan scheme launched by the government of Delhi. Under this scheme government provides a loan of up to ₹10 crore, with coverage of 95% it is depending on the category of borrowers. Under this scheme government provides a loan of up to ₹10 crore, with the coverage of 90% provided by CGTMSE, and 5% of coverage is provided by the Delhi government for Women Entrepreneurs & Agniveer-Promoted.
In Micro Enterprises government provides a loan of up to ₹5 lakh, with 85% coverage provided by CGTMSE and 10% coverage provided by the Delhi government. The government provides loans with coverage splits as 75% provided from CGTMSE and 20% from the government of Delhi for other small businesses.
Objective of Delhi Govt & CGTMSE Collateral-Free Loan Scheme
The main objective of the Delhi Govt & CGTMSE Collateral-Free Loan Scheme is to provide loans up to ₹10 crore with the coverage of 95% to all the eligible people. Under this scheme government aims to support and boost every entrepreneurship across the state. Through this scheme government wants to create job opportunities for all unemployed people across the state.
By offering this scheme government wishes to promote local economic growth by giving simpler access to credit without the need for collateral. The government aims to empower the eligible beneficiaries across the state and wants to make them independent and self-reliant.
Benefits Of the Scheme
- The main objective of the Delhi Govt & CGTMSE Collateral-Free Loan Scheme is to provide loans of up to ₹10 crore with the coverage of 95% to all the eligible people.
- Under this scheme government aims to support and boost every entrepreneurship across the state
- Through this scheme government wants to create job opportunities for all unemployed people across the state.
- By offering this scheme government wishes to promote local economic growth by giving simpler access to credit without the need for collateral.
- The government aims to empower the eligible beneficiaries across the state and wants to make them independent and self-reliant.
Short Overview Of the CGTMSE Collateral-Free Loan Scheme
| Scheme Name | Delhi Govt & CGTMSE Collateral-Free Loan Scheme |
| Launched by | Government of Delhi and CGTMSE |
| Year | 2025-26 |
| Objective | The main objective of the Delhi Govt & CGTMSE Collateral-Free Loan Scheme is to provide loans up to ₹10 crore with the coverage of 95% to all the eligible people. |
| Scheme type | Collateral-Free Scheme |
| Target Beneficiaries | This scheme is created for all the residents across the state. |
| Application Mode | Online |
| Official Portal | – |
Budget and Funding
The government of Delhi has provided ₹5 crore for the financial year (2025-26). The fund supports and helps the scheme; the government plans to contribute the total amount of ₹50 crore. Through the help of this fund, the government provides guaranteed loans and decreases the risk of institutional lending.
Impact and Scale
The Delhi government and CGTMSE are in partnership under this scheme, but CGTMSE has a strong track record because it has guaranteed up to ₹9.34 lakh crore under the collateral-free loan scheme of India. There are a total of 276 members who are lending to the institutions. The government’s main aim is to support small businesses in the capital city, especially those persons who face many problems in accessing credit due to hindrance of lack of collateral.
Eligibility Criteria
- Applicants must be permanent residents of Delhi
- Applicants must be engaged in trading, manufacturing, and service sectors.
- Applicants’ credit score must be 750 or above
- Applicants’ business must have a minimum of ₹2 lakh income annually, and their minimum turnover must be over ₹10 lakh annually
- Applicants’ age must be between 21 to 65 years
Ineligibility Criteria
- Applicants belong to another state
- Applicants don’t engage in trading, manufacturing, or service sectors.
- Applicant’s credit score is below 750
- Applicants’ businesses don’t have a minimum of ₹2 lakh income annually, and their minimum turnover doesn’t exceed ₹10 lakh annually
- Applicants’ age must be below 21 years
Required Documents
- Aadhaar Card
- Resident Proof
- GST Registration Certificate
- Partnership Deed
- Memorandum of Association (MoA)
- Articles of Association (AOA)
- Income Tax Return (ITR)
- Audited Balance Sheet
- Profit & Loss Statements
- Bank Account Statement
- Expansion Details
- Working Capital Requirements
- Passport-sized Photographs
- Phone Number
Helpline Number
- All the applicants need to visit the official portal for any type of queries
FAQs
Which government launched this scheme?
The government of Delhi launched this scheme
Who are the partners of this scheme?
The government of Delhi and CGTMSE are the partners under this scheme
How much loan will be provided under this scheme?
The Delhi government and CGTMSE provide loans up to ₹10 crore with a coverage of 95%
Khushi Singh
Khushi Singh is a content writer with 3 years of experience in government schemes. She writes simple and helpful articles that guide people to understand and benefit from public welfare programs.