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CGTMSE ,Credit Guarantee Fund Trust for Micro and Small Enterprises CGTMSE is a Government of India scheme launched in the year 2000 in collaboration with the Small Industries Development Bank of India (SIDBI). CGTMSE offers loans to Micro and Small Enterprises (MSEs) without any collateral or third-party guarantee. Credit Guarantee Fund Scheme for Micro and Small Enterprises (CGS-I) CGTMSE has created a new landmark by touching the milestone figure of approving guarantees worth `1 lakh crore during FY 2022 - 23. This financial achievement has been an outcome of various key initiative implemented during the financial year.