CGTMSE Loan provides collateral-free financial support to MSMEs for business expansion and working capital needs. Backed by government guarantee, it reduces lending risk for banks. Ideal for startups and small businesses with limited assets. Enables faster credit access with simplified documentation.
Checklist – OD/CC (Limits Loan Application) (Cash Credit / Overdraft Facility for SMEs)
Business Identity Documents
– Certificate of Incorporation / Registration (Company, LLP, Partnership, Proprietorship)
– GST Registration Certificate
– PAN Card of Business & Promoters
– Memorandum & Articles of Association / Partnership Deed
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Financial Documents
– Last 3 years Audited Balance Sheet & Profit & Loss Statements
– Latest Income Tax Returns (Business & Promoters)
– Current year Provisional Financials
– Bank Statements (last 6–12 months)
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Operational Documents
– Existing Loan Sanction Letters (if any)
– Details of Current OD/CC limits
– Debtors & Creditors List (Aging report)
– Stock Statement (latest)
✅ Compliance & Legal
– KYC of Directors/Partners (Aadhar, PAN, Passport, Voter ID)
– Address Proof of Business (Electricity Bill, Rent Agreement, Property Papers)
– Board Resolution (for companies)
– Credit Bureau Report (CIBIL/Experian)
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✅ Collateral / Security (if applicable)
– Property Documents (Title Deed, Tax Receipts, Valuation Report)
– Machinery / Asset Papers (if hypothecated)
– Insurance Papers of Assets
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✅ Other Supporting Documents
– Business Profile / Company Brochure
– Projected Cash Flow Statement
– Loan Application Form (signed & stamped)
– Any Government Scheme Eligibility Proof (CGTMSE, CGSS, etc.)