Nayi machine lagani hai, loan ₹10 crore se zyada hai (CGTMSE se bahar), ya bank collateral maang raha hai? MCGS-MSME mein sarkari trust NCGTC bank ko 60% guarantee deta hai — machinery wale term loan par ₹100 crore tak. Exporters ko 75% tak. March 2026 se niyam aasaan: machinery 60% kaafi, service MSMEs bhi, aur 5% upfront ab wapas milta hai. Neeche check karein — eligible hain ya nahi, aur guarantee ka asli kharcha. Free, no login.
MCGS-MSME Calculator: Machinery Loan Guarantee up to ₹100 Crore
Buying machinery and the loan is above CGTMSE’s ₹10 crore limit, or the bank wants collateral? Under the Mutual Credit Guarantee Scheme, NCGTC guarantees 60% of machinery-led term loans up to ₹100 crore (75% up to ₹20 crore for exporters). Check if your project qualifies and what the guarantee really costs. मशीनरी लोन पर 60% सरकारी गारंटी।
Free guide, not a sanction. Based on the Mutual Credit Guarantee Scheme for MSMEs (MCGS-MSME, NCGTC; launched Jan 2025) as modified on 21 Mar 2026 (PIB): 60% guarantee on term loans up to ₹100 crore for projects where machinery / equipment is at least 60% of project cost (was 75%); service MSMEs now included; upfront contribution 5% of loan (max ₹5 crore), refundable 1% a year from year 4 if the loan performs; annual guarantee fee nil in year 1, 1.5% of outstanding in years 2–4, 1% thereafter; guarantee ends after 10 years. Exporter MSMEs (25%+ of turnover exported in each of the last 3 years, profitable, export realisation conditions): 75% guarantee up to ₹20 crore, upfront 2% (max ₹40 lakh, 1% refundable in years 4 and 5), fee nil in year 1 then 0.5%. Scheme open for 4 years from the guidelines or until ₹7 lakh crore of guarantees, whichever is earlier. Last checked 4 Oct 2026.
MCGS ek nazar mein (21 March 2026 ke baad)
| Point | Regular route | Exporter route |
|---|---|---|
| Guarantee | 60% of default | 75% of default |
| Loan limit | ₹100 crore | ₹20 crore |
| Machinery share | Project cost ka 60%+ | Project cost ka 60%+ |
| Upfront | 5% (max ₹5 cr), 4th saal se 1%/saal wapas | 2% (max ₹40 lakh), 4th–5th saal 1%-1% wapas |
| Saalana fee | Saal 1: 0 · 2–4: 1.5% · 5+: 1% | Saal 1: 0 · phir 0.5% |
| Guarantee kab tak | 10 saal | 10 saal |
| Kaun | Udyam MSME (manufacturing + services), standard account | 25%+ export har saal (3 saal), profitable |
Ek example
Rajkot ka ek medium engineering unit ₹5 crore ka project laga raha hai, jisme ₹3.5 crore ki CNC machines (70%). Loan ₹3.75 crore, 8 saal (2 saal moratorium). Govt guarantee = ₹2.25 crore. Upfront 5% = ₹18.75 lakh, jisme se ₹18.75 lakh (1%/saal, 4th–8th saal) wapas aa sakte hain agar EMI time par. Saalana fee 8 saal mein lagbhag ₹22 lakh. Calculator mein apne numbers daal kar exact dekhein.
Kab MCGS, kab CGTMSE?
- Loan ₹10 crore tak + working capital bhi chahiye → CGTMSE calculator dekhein.
- Machinery-led term loan, ₹10 crore se ₹100 crore → MCGS.
- Exporter ho aur export working capital chahiye → exporter collateral-free loan checker.
- Ek hi loan par do guarantee nahi milti — bank ek scheme chunega.
Apply kaise karein
- Machinery quotations ke saath project report banaiye (machinery 60%+ dikhe) — free project report maker.
- Bank mein term loan “under MCGS-MSME” maangiye; Udyam aur standard (non-NPA) account zaroori.
- Bank NCGTC ko guarantee ke liye apply karta hai; upfront contribution bank ke through jama hota hai.
- EMI time par dein — refund 4th saal se tabhi milta hai jab account sahi chale.
Aksar pooche jaane wale sawaal
MCGS-MSME kya hai? Mutual Credit Guarantee Scheme for MSMEs mein NCGTC bank ko 60% guarantee deta hai — machinery / equipment wale term loan par, ₹100 crore tak. 21 March 2026 se machinery ka hissa kam se kam 60% chahiye (pehle 75%) aur service MSMEs bhi shamil hain.
MCGS aur CGTMSE mein kya farak hai? CGTMSE ₹10 crore tak ke loan (term loan aur working capital) cover karta hai. MCGS machinery-led term loan ke liye hai, ₹100 crore tak, 60% guarantee ke saath. Bade machinery project ke liye MCGS, chhote ke liye CGTMSE.
Upfront contribution kitna hai aur wapas milta hai? Loan ka 5% (max ₹5 crore). March 2026 se yeh refundable hai — 4th saal se har saal 1% wapas, agar loan account sahi chal raha ho. Exporters ke liye 2% (max ₹40 lakh), 4th aur 5th saal mein 1-1% wapas.
Guarantee fee kitni hai? Pehle saal zero. 2nd se 4th saal 1.5% aur uske baad 1% — bache hue loan (outstanding) par. Exporter route mein pehle saal zero, phir 0.5% saalana.
Exporters ko kya extra milta hai? Jo profitable units pichhle 3 saal har saal turnover ka 25% ya zyada export karti hain, unhe ₹20 crore tak ke loan par 75% guarantee milti hai, kam upfront (2%) aur kam fee (0.5%) ke saath.
Source: PIB release on modifications to MCGS-MSME (21 Mar 2026); NCGTC MCGS-MSME scheme (Jan 2025); bank scheme pages (e.g. Bank of Maharashtra). Last checked 4 Oct 2026.
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