Check Your MSME Loan Eligibility
Find out whether your business may qualify for MSME financing under the CGTMSE scheme. Check your preliminary eligibility in just a few simple steps.
Check Your MSME Eligibility
Answer a few simple questions about your business to check your preliminary eligibility for MSME financing under the CGTMSE scheme.
MSME Eligibility Calculator
Answer a few simple questions to understand your business funding profile.
Need Help Getting an MSME Business Loan?
Whether you need working capital, machinery finance or business expansion funding, BDS4Loans can help you understand your financing options.
What Is the MSME Eligibility Calculator?
The MSME Eligibility Calculator by BDS4Loans helps business owners understand their preliminary MSME classification based on investment in plant and machinery or equipment and annual business turnover.
Whether you operate a manufacturing business, service enterprise or trading business, this tool helps you explore your business category and potential suitability for MSME financing.
Understanding MSME Classification in India
As per the revised MSME classification criteria effective from 1 April 2025, enterprises are classified into three categories:
| Category | Investment Limit | Turnover Limit |
|---|---|---|
| Micro | ₹2.5 Crore | ₹10 Crore |
| Small | ₹25 Crore | ₹100 Crore |
| Medium | ₹125 Crore | ₹500 Crore |
Both investment and turnover criteria must be considered when determining the enterprise category.
What Is the CGTMSE Scheme?
The Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) supports eligible credit facilities extended by participating lending institutions to micro and small enterprises.
It helps eligible businesses access credit without conventional collateral security or third-party guarantees, subject to applicable scheme conditions.
CGTMSE is a credit guarantee scheme, not a direct cash subsidy or loan waiver.
How Can BDS4Loans Help?
BDS4Loans provides financial guidance to businesses exploring suitable financing options, including:
MSME Business Loans
Working Capital Finance
Machinery and Equipment Loans
Business Expansion Finance
Loan Against Property
Our team can help you understand your financing requirements and explore suitable lending options through banks and financial institutions.
Disclaimer: This calculator provides preliminary information only. Actual MSME classification, CGTMSE eligibility, guarantee coverage and loan approval are subject to official records, applicable scheme guidelines and the lending institution’s assessment.
Frequently Asked Questions About MSME & CGTMSE
What is CGTMSE?
A credit guarantee scheme that supports eligible collateral-free credit facilities to micro and small enterprises.
Is CGTMSE a direct subsidy?
No. It provides a credit guarantee to eligible lending institutions, not a direct cash subsidy to borrowers.
Who can apply for CGTMSE-backed loans?
Eligible micro and small enterprises seeking credit through participating lending institutions.
Is Udyam registration required?
Udyam registration or an eligible Udyam Assist Certificate is important for establishing MSE status, subject to applicable scheme requirements.
Does passing this calculator guarantee loan approval?
No. Final eligibility and approval depend on the lender’s assessment and applicable CGTMSE guidelines.