CGTMSE credit guarantee calculator.
Estimate credit-guarantee cover, uncovered exposure and annual guarantee-fee cost for an MSME facility.
CGTMSE credit guarantee inputs
Planning arithmetic only. Enter the coverage and annual guarantee fee confirmed by the lender for the borrower, facility type and current CGTMSE rules. It does not determine MSME eligibility, sanction, collateral requirement, guarantee approval, claim conditions or final fees.
Method: The entered loan amount is multiplied by the selected guarantee percentage and annual fee rate; the remainder is shown as uncovered exposure.
Inputs used: Currency = INR; Proposed MSME credit facility = 10,000,000; Credit guarantee coverage = 75 %; Annual guarantee fee = 1 %; Guarantee period = 5 years
Assumptions: The result uses the values, units and options shown in the input snapshot.
Scope and warnings: Planning arithmetic only. Enter the coverage and annual guarantee fee confirmed by the lender for the borrower, facility type and current CGTMSE rules. It does not determine MSME eligibility, sanction, collateral requirement, guarantee approval, claim conditions or final fees. Rounding and excluded real-world terms can make an external result differ.
How this cgtmse credit guarantee calculator works
The entered loan amount is multiplied by the selected guarantee percentage and annual fee rate; the remainder is shown as uncovered exposure.
A worked example
A ₹1 crore facility at 75% selected cover has ₹75 lakh indicative cover before considering scheme conditions or lender approval.
Does this make a loan collateral-free or approved?
No. The lender and current CGTMSE rules determine eligibility, sanction, collateral, guarantee coverage, fee and claim conditions.
Calculations run on your device. Review your results before exporting or sharing them.
Use the lender-confirmed scheme terms
The calculator separates selected guarantee cover, uncovered exposure and annual fee.
Eligibility, sanction and collateral decisions remain with the lender.
Published by ToolMitra — methods and editorial approach.