CGTMSE Fee Calculator – Coverage & AGF Calculator

Want to estimate your CGTMSE guarantee fee and coverage? Use the free BusinessZindagi CGTMSE Fee Calculator to estimate the potential guarantee coverage and Annual Guarantee Fee (AGF) for an MSME credit facility.

Enter your proposed loan amount, borrower category, collateral details and other information to get an indicative calculation. You can also explore first-year AGF, renewal-year AGF, hybrid-security scenarios and common CGTMSE eligibility considerations.

Important: This is an independent estimate for educational and planning purposes. Actual CGTMSE coverage, fees, eligibility and lender terms may differ.

BUSINESSZINDAGI • MSME TOOL

CGTMSE Fee & Coverage Calculator Pro

Estimate potential CGTMSE guarantee coverage and Annual Guarantee Fee (AGF), check common eligibility signals, and plan your next conversation with your lender.

1. Enter your loan details

Enter the total proposed credit facility. CGTMSE guarantee coverage is subject to scheme limits.
Select Yes only if you have confirmed that the enterprise is in an RBI-identified Credit Deficient District and the additional coverage applies.
Used only for the hybrid-security estimate.
Your MLI (bank/lender) determines the applicable risk pricing. Use Standard if you do not know it.
Do not assume a concession applies. Select only if your lender confirms the applicable scheme benefit.
For guarantees approved/renewed from 1 April 2025, CGTMSE states that the first-year AGF is on the guaranteed amount and subsequent-year AGF is on the outstanding amount.
Simple planning estimate only; not a CGTMSE rate.
Planning context only.

2. Your estimate

Calculation completed from your inputs
Estimated CGTMSE guarantee coverage
₹0
0% indicative coverage rate applied
First-year AGF estimate₹0
Renewal-year AGF estimate₹0
Applicable AGF rate0%
Guarantee limit used₹0
Simple annual interest estimate₹0
Loan + 1st-year AGF estimate₹0

BusinessZindagi CGTMSE Calculation Report

Important: This report is an estimate, not a CGTMSE certificate, loan sanction or guarantee approval.
Enter your details and calculate. This is an estimate, not an approval or guarantee certificate.
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What to do next

Use this estimate to discuss the guarantee structure and fee with your bank/MLI. Keep Udyam, GST, financial statements, bank statements and credit information ready.

Read Udyam Guide →

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Reviewed: August 2026 • Verify the latest schemeOfficial CGTMSE information →   Circulars →
Tool disclaimer: This calculator provides an independent estimate for educational purposes. CGTMSE coverage, AGF, concessions, risk pricing, eligible activities, collateral treatment and lender requirements can vary or change. It does not approve a loan, issue a guarantee or confirm eligibility. Verify the latest CGTMSE rules with your Member Lending Institution and CGTMSE before making a financial decision.
CalculationAmount
Credit facility₹0
Estimated eligible amount before coverage %₹0
Estimated guarantee amount₹0
Estimated amount not covered by guarantee₹0
Data basis: CGTMSE CGS-I fee structure applicable to guarantees approved/renewed on or after 1 April 2025, and current CGTMSE coverage information. Rules can change; lender-specific risk pricing and concessions may affect the actual fee.

Preliminary CGTMSE Eligibility Checker

Answer the questions above to receive a preliminary indication. This is not an official CGTMSE eligibility decision.

How this calculator works

1. Coverage: The calculator first applies an indicative CGTMSE coverage percentage to the eligible credit base. The official percentage depends on the applicable borrower/category rules.
2. Hybrid security: Where partial collateral is used under the hybrid-security model, the calculator estimates the guarantee-covered portion from the unsecured remainder. The actual lender treatment must be confirmed with the MLI.
3. AGF: The estimated annual guarantee fee is calculated from the estimated guarantee amount and the selected standard/risk-pricing scenario. Actual fees can change with applicable concessions, risk pricing, exposure and CGTMSE updates.
4. Long-term design: This tool is built so future CGTMSE circulars, special schemes and revised AGF tables can be incorporated without changing the page shortcode.
Important: This independent calculator is for education and estimation only. It is not affiliated with or endorsed by CGTMSE, SIDBI, any bank, or any financial institution. It does not determine eligibility, approval, guarantee issuance, claim settlement, or the exact fee charged by a lender. Always confirm the applicable terms with your Member Lending Institution and the latest CGTMSE scheme documents.

Frequently Asked Questions About CGTMSE Fees

What is the CGTMSE Annual Guarantee Fee (AGF)?

The Annual Guarantee Fee is a fee associated with the CGTMSE guarantee and can depend on factors such as the applicable guarantee amount, fee structure, risk pricing and eligible concessions.

How is CGTMSE guarantee coverage calculated?

Guarantee coverage depends on the applicable CGTMSE category and scheme rules. This calculator provides an indicative estimate based on the information entered by the user.

Is the CGTMSE guarantee fee charged every year?

CGTMSE fee treatment can differ between the first year and subsequent renewal years under the applicable scheme rules. Always confirm the latest applicable terms with your Member Lending Institution.

Can I get a CGTMSE-backed loan without collateral?

CGTMSE is designed to support eligible credit facilities with guarantee cover, but final loan approval and lending conditions are determined by the Member Lending Institution and applicable scheme rules.

Is this an official CGTMSE calculator?

No. This is an independent BusinessZindagi estimation tool for educational and planning purposes and is not affiliated with or endorsed by CGTMSE.

🔗 Related MSME Finance Guides

💰 CGTMSE Fees Explained: Fee Structure, Renewal Charges & Loan Guide →

📋 Udyam Registration: Why Every MSME Should Have It →

📊 Minimum CIBIL Score for MSME Loan: What Really Matters? →

🌱 MSE-GIFT Scheme 2026: Get Interest Support for Green MSME Loans →

👉 Explore more practical MSME finance guides on BusinessZindagi.

🔗 Authentic Sources & References

For the latest CGTMSE rules, guarantee coverage, Annual Guarantee Fee (AGF) and eligibility conditions, refer to these official sources:

🏛️ CGTMSE Official Website – Credit Guarantee Fund Trust for Micro and Small Enterprises →

📋 Official CGTMSE Scheme Guidelines & Information →

💰 CGTMSE Official Circulars – Latest Scheme Updates & Fee Changes →

🏦 SIDBI – Official CGTMSE Information →

🏛️ Ministry of MSME – Official Government Scheme Portal →

Note: CGTMSE rules, guarantee coverage and applicable fees may change. Always verify the latest scheme guidelines and circulars before making a loan or financial decision.