CGTMSE Chakan

CGTMSE Collateral-Free Loans for Manufacturing Units in Chakan MIDC

If your unit runs from a leased shed in Chakan MIDC and your value sits in machinery, inventory and receivables rather than property, the CGTMSE route lets you raise credit without pledging real estate.

Credit Core Finance structures and places collateral-free CGTMSE facilities of up to ₹10 crore for Chakan's manufacturers, appraised to banker standard before the file reaches any lender.

What collateral-free CGTMSE credit means

CGTMSE is a government-backed credit guarantee that lets a bank fund a micro or small enterprise without demanding immovable collateral. The guarantee covers the lender, not the borrower, so the loan is still appraised on your turnover, banking conduct and repayment capacity.

The scheme ceiling was raised to ₹10 crore for guarantees approved on or after 1 April 2025, and it covers a term loan, a working-capital limit, or both together. ₹10 crore is a ceiling, not an entitlement: what you actually receive is sized to your numbers.

The scheme is meant for micro and small enterprises; a medium-sized unit is assessed on a different basis.

For the full scheme mechanics and eligibility, see our CGTMSE loan facilitation in Pune .

Who this fits in Chakan

Chakan is one of Pune's largest automobile and engineering belts, home to vehicle assembly, tiered autocomponent suppliers, precision machining, tool rooms, fabrication, plastics and moulding, and the logistics that support them.

Many of these units are rich in plant and machinery but hold little immovable property to pledge, or have already charged what they own against an existing limit.

Situations where the CGTMSE route commonly fits:

• A growing ancillary supplier building an OEM order book with limited fixed collateral.
• A unit operating from a rented industrial shed rather than an owned one.
• A business investing in specialised equipment whose resale value is below its cost.
• Receivables and inventory needs that outgrow the owned-property base.

We run the same collateral-free CGTMSE desk for units in Bhosari MIDC.

Funding we arrange for Chakan units

• Machinery term loans for CNC and VMC, presses, laser and fabrication lines, moulding, dies and tooling, automation and utility upgrades.
• Working-capital or cash-credit limits, sized to your turnover, to fund raw material, OEM supply cycles and new purchase orders.
• Project finance for capacity creation, a new production line or a larger shed fit-out, with CGTMSE forming part of the structure.

Where a requirement runs beyond the collateral-free ceiling, we structure the balance as a hybrid so the whole facility still gets built.

Why Credit Core Finance

We are an MSME credit advisory, not a lead desk. Every Chakan file is appraised the way a bank's credit manager will read it, with turnover, drawing power, DSCR, banking conduct and leverage reconciled before it goes anywhere, so it moves cleanly through sanction instead of stalling on gaps.

We sit in the seat between your CA and the bank's credit desk: your CA optimises the books for tax, the bank tests them for bankability, and we reconcile the two into a file that gets funded.

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