Mudra / CGTMSE wala bina-guarantee loan liya tha aur ab EMI nahi ja rahi? Bahut log sochte hain ki “CGTMSE guarantee hai, loan maaf ho jayega”. Aisa nahi hai. Guarantee bank ko paisa deti hai — aap par bakaya poora rehta hai. Neeche apni dates daal kar dekhein: bank kab claim kar sakta hai, kab tak karna hai, CGTMSE kitna dega, aur aapko kya karna chahiye. Free, no login.
CGTMSE Loan Turned NPA: Claim Timeline & What Happens to You
Took a collateral-free loan under CGTMSE and fell behind on EMIs? Many borrowers think the guarantee clears the loan. It does not — it pays the bank. See the dates when your bank can and must claim, how much CGTMSE pays, and what you still owe. CGTMSE लोन NPA हो गया? गारंटी बैंक के लिए है, कर्ज़ माफ़ नहीं होता।
Free guide, not legal advice. Based on CGTMSE Credit Guarantee Scheme (CGS-I) operating features (as published by SBI, 2025) and CGTMSE circulars: lock-in 18 months from guarantee date or last disbursement (whichever is later), 9 months for loans up to ₹10 lakh with repayment up to 36 months (from 15 Dec 2023); NPA to be marked on the CGTMSE portal by the end of the next calendar quarter; claim within 3 years of the NPA date, or of lock-in end if the account turned NPA during lock-in (loans sanctioned from 15 Mar 2018); legal action needed only if the eligible claim is above ₹10 lakh; CGTMSE pays 75% of the guaranteed amount first and 25% on conclusion of recovery or after 3 years; recoveries after the claim are passed to CGTMSE. Cover: 75% general, 85% micro up to ₹5 lakh, 80% North-East up to ₹50 lakh, 90% women / SC / ST / PwD up to ₹1 crore. NPA counted at 90 days overdue. Last checked 4 Oct 2026.
CGTMSE claim ke niyam ek nazar mein
| Point | Niyam |
|---|---|
| Lock-in | 18 mahine (₹10 lakh tak + 36 mahine tak ka loan: 9 mahine) |
| NPA reporting | Agle quarter ke ant tak CGTMSE portal par |
| Claim ki deadline | NPA date se 3 saal (lock-in mein NPA ho to lock-in khatam hone se) |
| Legal action | Claim ₹10 lakh se zyada ho to zaroori |
| CGTMSE payment | Guaranteed amount ka 75% pehle, 25% baad mein |
| Claim ke baad | Recovery jaari, paisa CGTMSE ko jata hai |
Ek example
Indore ke ek micro unit ko ₹25 lakh ka CGTMSE loan 10 Jan 2025 ko poora disburse hua. Pehli EMI jo nahi gayi: 1 Jun 2026 → NPA 30 Aug 2026. Lock-in 10 Jul 2026 ko khatam, to bank 30 Aug 2026 se claim kar sakta hai aur 30 Aug 2029 se pehle karna hoga. ₹18 lakh default par 75% cover = ₹13.5 lakh guarantee; pehli kisht ₹10.1 lakh. Claim ₹10 lakh se upar hai, isliye bank pehle legal action karega. Aap par ₹18 lakh + byaj ka bakaya bana rehta hai.
Aapke liye iska matlab
- Loan maaf nahi hota — claim ke baad bhi bank recovery karta hai.
- Promoter ki personal guarantee lagu rehti hai.
- Hypothecated stock / machinery par bank SARFAESI use kar sakta hai — SARFAESI notice timeline dekhein.
- Settlement (OTS) ab bhi possible hai — OTS settlement calculator se andaza lagaiye.
- NPA ki exact date ke liye NPA date calculator.
Aksar pooche jaane wale sawaal
CGTMSE loan NPA hone par kya loan maaf ho jata hai? Nahi. CGTMSE guarantee bank ko bachati hai, borrower ko nahi. Bank claim karke paisa leta hai, phir bhi aapse poori recovery jaari rakhta hai, aur jo recover hota hai woh CGTMSE ko wapas jata hai.
Bank CGTMSE se claim kab karta hai? Account NPA hone ke baad aur lock-in (18 mahine, chhote loan ke liye 9 mahine) poora hone ke baad. Claim NPA date se 3 saal ke andar karna hota hai.
CGTMSE bank ko kitna deta hai? Default amount ka guarantee cover (zyaadatar 75%, micro ₹5 lakh tak 85%, mahila/SC/ST 90%). Pehle iska 75% aur baaki 25% recovery khatam hone par ya 3 saal baad.
Kya bank legal action karega? Claim ₹10 lakh se zyada ho to bank ko legal action (SARFAESI, DRT, civil court, Lok Adalat) shuru karna padta hai. ₹10 lakh tak bina legal action ke claim ho sakta hai, par recovery phir bhi hoti hai.
Ab kya karein? Claim se pehle bank se baat karein — restructuring ya settlement likhit mein maangiye. OTS baad mein bhi ho sakta hai. Notice aaye to SARFAESI timeline aur OTS calculator dekhein.
Source: CGTMSE CGS-I scheme operating features (SBI consolidated document, 2025); CGTMSE circular on waiver of legal action up to ₹10 lakh; CGTMSE claims page. This is general information, not legal advice. Last checked 4 Oct 2026.
More free tools: NPA date calculator · Loan OTS settlement calculator · SARFAESI notice timeline · CGTMSE calculator · Prepayment charges checker