CGTMSE Statistics 2026: Guarantees Approved, Amounts and States
· 1 min read · 6 official sources
By March 2026 CGTMSE had approved 1.41 crore credit guarantees worth Rs 13.67 lakh crore for collateral-free loans to micro and small enterprises. FY 2024-25 alone saw Rs 3 lakh crore. Women-owned units hold 29.67 lakh guarantees, and Maharashtra and Uttar Pradesh lead the states.
Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE): key numbers
Infographic
Top 15 states by CGTMSE guarantee amount
Cumulative guarantees approved from 2000 to 30 November 2023, the latest state-wise table released by the Ministry of MSME. National total: 79,53,694 guarantees for Rs 5,33,587 crore.
| State | Guarantees | Amount (Rs crore) |
|---|---|---|
| Maharashtra | 6,33,179 | 62,807 |
| Uttar Pradesh | 8,89,678 | 52,998 |
| Karnataka | 5,57,986 | 43,120 |
| Tamil Nadu | 6,67,115 | 42,270 |
| Gujarat | 3,69,485 | 42,162 |
| West Bengal | 4,02,097 | 29,218 |
| Madhya Pradesh | 4,02,213 | 25,364 |
| Rajasthan | 3,54,015 | 22,658 |
| Delhi | 1,48,172 | 21,663 |
| Haryana | 1,71,742 | 19,457 |
| Bihar | 3,29,852 | 19,330 |
| Punjab | 2,45,050 | 18,246 |
| Odisha | 3,06,668 | 17,924 |
| Telangana | 2,19,344 | 17,167 |
| Jharkhand | 2,10,976 | 16,647 |
Source: pib.gov.in, as on 30 November 2023
Guarantees to special category entrepreneurs
Cumulative guarantees from FY 2001 to 31 December 2025 for MSEs owned by women and other special categories. Overall total in the same period: 1.35 crore guarantees for Rs 12.39 lakh crore.
| Owner category | Guarantees (lakh) | Amount |
|---|---|---|
| Women | 29.67 | Rs 1.93 lakh crore |
| OBC | 23.72 | Rs 1.21 lakh crore |
| SC | 6.53 | Rs 22,525 crore |
| ST | 2.23 | Rs 10,713 crore |
| Persons with disability | 0.41 | Rs 3,053 crore |
Source: msme.gov.in, as on 31 December 2025
How a CGTMSE-backed loan works
What the numbers show
A PIB factsheet put its cumulative approvals at 1.41 crore guarantees worth Rs 13.67 lakh crore as of March 2026. Each guarantee lets a micro or small enterprise borrow without pledging property or finding a guarantor.
The trend over the years
Most of this has come in the last few years. The Ministry of MSME reported 69 lakh guarantees worth Rs 4.06 lakh crore approved from 2000 to February 2023, and 79.5 lakh worth Rs 5.34 lakh crore by November 2023. By 31 December 2025 the total had reached 1.35 crore guarantees for Rs 12.39 lakh crore. A single year, FY 2024-25, saw Rs 3 lakh crore of guarantees, and 29.03 lakh guarantees worth Rs 3.77 lakh crore were approved in the eleven months to November 2025. The scheme was revamped from April 2023 with lower fees, and the ceiling was raised to Rs 10 crore per borrower from April 2025.
State differences
The latest state-wise table, to 30 November 2023, shows Maharashtra first by amount (Rs 62,807 crore) and Uttar Pradesh first by number (8.9 lakh guarantees). Gujarat, Karnataka and Tamil Nadu each passed Rs 42,000 crore. Average guarantee sizes differ a lot: Delhi's are large (about Rs 14.6 lakh each), while Jammu and Kashmir's are small (about Rs 3.1 lakh).
What the figures do not tell you
A guarantee approved is not the same as a loan still running, and one firm can receive more than one guarantee over the years, so the totals are not a count of distinct firms. The figures also do not show how many guaranteed loans went bad. Women-owned units hold about 22% of guarantees by number but about 16% by amount, which suggests smaller loan sizes.
Where to check the live numbers
CGTMSE posts running totals on its website, and the Ministry of MSME shares year-wise and state-wise figures in its annual report and in replies in Parliament published by PIB.
Frequently asked questions
How many guarantees has CGTMSE approved?
About 1.41 crore guarantees worth Rs 13.67 lakh crore had been approved as of March 2026, according to a PIB factsheet.
How much did CGTMSE guarantee in 2024-25?
Rs 3.00 lakh crore in FY 2024-25, according to the Ministry of MSME Annual Report 2025-26. Between 1 January and 30 November 2025, 29.03 lakh guarantees worth Rs 3.77 lakh crore were approved.
Which state gets the most CGTMSE guarantees?
By amount, Maharashtra (Rs 62,807 crore) led the latest state table, to 30 November 2023. By number, Uttar Pradesh led with 8,89,678 guarantees.
How many women entrepreneurs have used CGTMSE?
29.67 lakh guarantees worth Rs 1.93 lakh crore had gone to women-owned MSEs by 31 December 2025, about 22% of all guarantees by number.
What is the maximum loan covered by CGTMSE now?
Rs 10 crore per borrower, raised from Rs 5 crore with effect from 1 April 2025.
Eligibility, documents and how to apply: Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) full guide
Charts, data files and the infographic are free to download, share and embed with a link back to this page.
Sources
This guide was checked against these official pages:
- pib.gov.in (www.pib.gov.in/FactsheetDetails.aspx?id=150871&ModuleId=16)
- msme.gov.in (www.msme.gov.in/static/uploads/2026/05/1bfda06b460e72543530b40817573495.pdf)
- pib.gov.in (www.pib.gov.in/PressReleasePage.aspx?PRID=2209712)
- pib.gov.in (www.pib.gov.in/PressReleasePage.aspx?PRID=2288366)
- pib.gov.in (www.pib.gov.in/PressReleasePage.aspx?PRID=1986183)
- pib.gov.in (www.pib.gov.in/PressReleasePage.aspx?PRID=1911138)