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

Credit facility amount (₹)

Enter the total proposed credit facility. CGTMSE guarantee coverage is subject to scheme limits.

Borrower / enterprise category

Identified Credit Deficient District (ICDD)?

Select Yes only if you have confirmed that the enterprise is in an RBI-identified Credit Deficient District and the additional coverage applies.

Hybrid security?

Collateral value (₹)

Used only for the hybrid-security estimate.

MLI risk-pricing option

Your MLI (bank/lender) determines the applicable risk pricing. Use Standard if you do not know it.

Special concession on AGF (if applicable)

Do not assume a concession applies. Select only if your lender confirms the applicable scheme benefit.

Current outstanding amount for renewal-year estimate (₹)

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.

Loan interest rate (% p.a.) — optional

Simple planning estimate only; not a CGTMSE rate.

Loan tenure (years) — optional

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 →

Need business finance?

If you are comparing funding options, you can explore the finance offer below. This may be an affiliate link; BusinessZindagi may earn a commission if you qualify through it, at no extra cost to you.

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📘 CGTMSE Fees ExplainedUnderstand AGF, renewal and the real cost of a collateral-free MSME loan. 🏦 Collateral-Free Business LoanLearn how collateral-free MSME borrowing works and what banks may assess. 📊 MSME Loan & CIBIL GuideUnderstand why credit history can influence business-loan decisions. 🚀 MSME Finance Updates 2026Follow important policy and credit-access developments for MSMEs.

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.

Calculation	Amount
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

Enterprise type

Business activity

Udyam Registration

Third-party guarantee proposed?

Collateral offered

Credit facility requested (₹)

Existing facility status

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.