Hello! Today we shall discuss the latest annual CGTMSE guarantee cover for the loan limits under the MSME loans with banks. As we have explained in lots of our posts earlier, CGTMSE is a central government fund trust for msme loans.
What is the latest MSME definition?
The new MSME definition was revised on April 1st, 2025.
| Enterprise type | investment | turnover |
| micro | 2.5 | 10 |
| small | 25 | 100 |
| medium | 125 | 500 |
All the figures are in crores. So, the investment upto 125 crores, and the turnover upto 500 crores comes under MSME classification.
OLD CGTMSE fees v/s new CGTMSE guarantee fee.
| Loan Slab (₹) | Old AGF Rate (w.e.f. Dec 1, 2022) | Revised AGF Rate (w.e.f. Apr 1, 2025) |
|---|---|---|
| Up to ₹10 Lakh | 0.75% | 0.37% |
| > ₹10 Lakh up to ₹50 Lakh | 1.10% | 0.55% |
| > ₹50 Lakh up to ₹1 Crore | 1.20% | 0.60% |
| > ₹1 Crore up to ₹2 Crore | 1.20% | 0.85% |
| > ₹2 Crore up to ₹5 Crore | - | 1.00% |
| > ₹5 Crore up to ₹8 Crore | - | 1.10% |
| > ₹8 Crore up to ₹10 Crore | - | 1.20% |
If you would like to use the calculator to arrive at the fees for your loan limit, then please visit here. CGTMSE FEE CALCULATOR
Feel free to comment in case of any doubts and we will assist further. In addition to this, if you need any assistance in approaching a bank for your new business and it you have doubts, you can drop an email and we will assist further.