MSME Registration in India

MSME stands for micro, small and medium enterprises, which was introduced in agreement with the Micro, Small & Medium Enterprises Development (MSMED) Act, 2006 by the Government of India. MSMEs are critical contributors to the country's socio-economic development. Thus they are the backbone of any economy and are engines of economic growth promoting equitable development for all. The role of MSME in Indian economy is important, as the MSMEs are key contributors to the socio-economic development of the country. The initiative of MSME started functioning in 2006 to create a competitive environment and encourage small businesses to ensure speedy development and boost the economy.

The Micro Small and Medium Enterprises (MSMEs) were classified as per the MSME Act-2006 solely based on their investment. However, this definition was broadened by the Finance Minister Nirmala Sitharaman in 2020 and a composite criterion was introduced. Turnover was also added to the definition. The updated classification of MSMEs is given below.

The MSMEs are categorized into manufacturing sectors and service sectors. The sectors are classified as per the investment, annual turnover and investment. Below is the classification of the micro, small and medium enterprises.

Criteria	Micro Enterprises	Small Enterprises	Medium Enterprises
Investment	Less than ₹ 1 Cr	Less than ₹ 10 Cr	Less than ₹ 50 Cr
Annual turnover	Less than ₹ 5 Cr	Less than ₹ 50 Cr	Less than ₹ 250 Cr

Therefore, to support and promote MSMEs, the Indian government offers various subsidies, schemes and incentives through the MSMED Act. A registration under the MSMED Act is required to avail the benefits of the same from the central or state government and the banking sector. This registration is known as the MSME registration.

Micro, small and medium sized enterprises in both the manufacturing and service sector can obtain MSME Registration under the MSMED Act. Though the MSME registration is not statutory, it is beneficial for business at it provides a range of benefits such as eligibility for lower rates of interest, excise exemption schemes, tax subsidies, power tariff subsidies, capital investment subsidies and other support.

MSME registration is not a statutory requirement. However, the MSME registration process in India has been conceptualized to provide maximum benefits to all types of enterprises. After registration, any enterprise becomes qualified to reap the benefits offered under the MSMED Act. Some of the benefits from Central Government include easy sanction of bank loans (priority sector lending), lower rates of interest, excise exemption scheme, exemption under certain tax laws and statutory support.

The state government and union territories also have complied with their own package of facilities and incentives for MSMEs. Some of the benefits provided by the state government for MSMEs include the development of specialized industrial estates, tax subsidies, power tariff subsidies, capital investment subsidies and other support.

Both the centre and the state, whether under law or otherwise, target their incentives and support packages generally to units registered with them. Banking laws, excise law and the direct taxes law have incorporated the word MSME in their exemption notifications. Therefore, the registration certificate issued by the registering authority is seen as proof of being MSME and is required to avail the benefits sanctioned for MSMEs. Some of them are detailed below.

Interest rate reduction for loans
Collateral free loans from banks
Beneficial reservation policies in the manufacturing/ production sector
Ease of obtaining licenses, registrations and approvals.
Eligibility for CLCSS (credit linked capital subsidy scheme)
International trade fair special consideration
Government security deposit waiver (helpful while participating in tenders)

Stamp duty and registration fees waiver
ISO certification fees reimbursement
Direct tax laws rules exemption
Interest rate exemption on OD
NSIC performance and credit rating fees subsidy
Patent registration subsidy
Barcode registration subsidy
IPS subsidy eligibility
Electricity bills concession

Benefits of Registering a Credit Co-operative society

MSME Registration provides to you right to get avail benefits under the MSME Scheme of the government’s. One of the outstanding advantages of registration is that the Government will include your company or business in the Central and State Government schemes so one must get the complete advantage of the schemes. It will lead into superior awareness about the much-arrived schemes and complete transparency of the government working process. Numerous benchmark benefits include simple ingress to various government subsidies and bank loans, ability to apply for different Government’s beneficial schemes and clarity in various laws such as excise, banking direct taxes and much more. Below are the some important MSME Scheme Benefits under the Registration:-

Cheaper bank loans: All the businesses which are registered under the MSME can avail the benefits regarding the bank loans. Banks provide the collateral free loans where your property is not pledge with the Banks. Government and SIDBI both create a separate legal entity which work to implement this scheme on the all small and medium business enterprises.
Enterprises with MSME Certificate have a benefit of 1% exemption on the interest rate on Overdraft.
Note: Many benefits of MSME Registration depend upon the category under which it is registered.

Easy access to credit: PM Modi has introduced the Mudhra Loan scheme, which provides loans to MSME / SSI without collaterals.
PM Modi has introduced the Mudhra Loan scheme, which provides loans to MSME / SSI without collaterals.

Quicker approvals from state and central government bodies: Business registered under MSME are given higher preference in terms of government license and certification.

Tax rebates: MSME / SSI registered businesses enjoy multiple income taxes and capital gains tax subsidies from the government.

Cheaper infrastructure: Charges are lower for MSME registered company for facilities such as electricity and GST exemptions. In fact, other business services such as patents are also cheaper for MSMEs.
Concession in the Electricity Bills: All the small enterprise which has MSME Udyog aadhar Certificate can avail the concession in the electricity bills in the particular areas.

Access to tenders: There are multiple government tenders which are open only to MSMEs to promote small business participation in the India.MSME registration helps to acquire government tenders easily as Udyam Registration Portal is integrated with Government e-Marketplace and various other State Government portals which give easy access to their marketplace and e-tenders.
Preference in the Government Tenders: MSME certified enterprises are preferred in the government tenders during the bid. So this is one of the most important advantages to win the big tenders.

Reservation Benefits: Government also amend the industrial act where every small business which is registered under the MSME can avail this scheme where you can increase your production of the goods and employment opportunities in the country.

Easy to open business bank account or any other license registration: MSME Registration Certificate treat as legal entity proof of the business so you can easily open a current bank account or mentioned your registration while making another license like GST Registration etc.

Participate in the International Trade Fairs: Participate in the International Trade Fairs – All the small business have to expand their business across the India or on international level which is required to exposure and support from the government. Governments provide benefits to participate and special consideration in the international and national trade fairs which is organized by the MSME Department.

Octroi Benefits under MSME: Small enterprise have to pay the octroi on the goods and services which is delivered by them so its increase the unnecessary cost sometime. In this scheme government provides the refund of the octroi which is imposed on the goods and services.

Stamp Duty and Registration Charges Waived off: Previously all the enterprise which are expand their business in the IT Park or SEZ they avail the benefits under the Stamp Act but now all the small enterprise also can avail these benefits.

Exemption under the Income Tax as Direct tax: Exemption under the Income Tax as Direct tax – All the small business which are doing some really innovative or towards the society improvement then they can take the benefits of the income tax in the initial years. Even under the startup India scheme same benefits are introduced by the government. As mentioned in the government scheme, the businesses registered under MSME get a direct exemption of income tax for the first year of business, depending on its activities. It offers a major relief for enterprises from detailed bookkeeping habits and complex auditing processes.

Get Reimbursement under the Bar Code Registration: Small Enterprise have required lot of the mandatory register to run their product based business so all the manufacturing units required the barcode registration. Under this scheme you are eligible for the subsidy under the bar code registration. Barcodes are essential to keep track of goods in the entire process of supply and chain management.

Various Subsidies on the NSIC Performance and Credit Rating : Under this scheme all the small enterprise can avail the benefits of the subsidy on various expenses through NSIC Performance.

Industrial Promotion Subsidy: Under this scheme government wants to promote the small enterprise so they provide benefits regarding industrial promotion in terms of subsidy.

Protection in the Delay- Payments from Buyers : This is most common problem for the small business. Buyers always delay in the payments to the small business but under this scheme all the enterprise are protected and can file case against the buyer & settlement of the dispute in the minimum time.

Reduction in rate of the Interest by the major banks : Under this scheme all the major banks have some policy regarding the bank loan for the MSME which are following –

1. 40% of the total advances must go to micro and small enterprises involved which are in manufacturing having investment in plant and machinery up to ₹10 lakh and for service enterprises having investment in equipment up to ₹4 lakh.
2. 20% of the total advance to micro and small enterprises should go to manufacturing enterprises that have above ₹10 lakh till ₹ 25 lakh investment in the plant and machinery and for service enterprises that have investments in equipment above ₹ 4 lakh
3. To simplify, 60% of the advances must go to micro enterprises.

Get Capital Subsidy : Under this scheme all the enterprise got the 15% capital subsidy so they can purchase the plan and machinery for the same.

Security Deposit Waived off : Small Enterprise have very small amount of the working capital to run their business but in the some registration they have to deposit the security money so under this scheme it has been waived off for the MSME registration enterprises.

Got the benefits in ISO Certificate : Small enterprise while apply for the big projects, they have to show their credibility which required the ISO Certification. In this scheme you got the subsidy for the ISO Certification.

Get the Subsidy on the Patent Registration : There are lot of the innovative small firms which are doing some innovative things & required a patent registration which is really expensive. Under this scheme you got the 50% waived off in the patent government registration fee.
Note: National Patent Application is provided with one-time support of up to ₹ 25,000.

Tax Benefits : The Corporate Tax has been reduced to 5% (instead of 30%, it is 25% now). This is available for those companies which have a turnover of ₹50 Crore.
The timeframe for the minimum alternative tax is increased by 15 years.
The presumptive tax has been reduced by 2% for companies which have a turnover of ₹2 Crore.
There is a One Time Settlement Fee for non-paid amounts of MSME.

Excise Exemption : The Government of India has exempted payment of the excise duty for MSME holders whose value of turnover did not exceed ₹ 1.5 Crore on the first day in the financial year.
However; the benefit of excise exemption is only for those goods which are sold or purchased under the brand name of its manufacturer.
For example – Excise Duty of 10% is levied on ready-made and Made-up articles for MSME holders.
Note : After GST came into being, the limit is decreased to ₹20 Lakh and ₹10 Lakh in the Special Category States.

Concessions on Intellectual Property : MSME holders or Start-ups can get a refund of up to 80% from the Government on the patent application. The government also grants a sanction of ₹ 2 Lakh for filing an International Patent application.
The individual/company gets a rebate of 50% on trademark filing if they possess an MSME Certificate.

Benefits from State Government : Most of the states offer different schemes or services to promote small businesses. Exemption of Sales tax, credit facilities, developed sites for warehouse construction, hire/purchase of machinery and electricity bill concession.

Benefits from Central Government : To support MSME holders, the Central Government of India has announced different schemes to provide credit support to them.

Credit Guarantee Scheme : A trust named Credit Guarantee Fund Trust for Micro and Small Enterprise (CGTMSE) is established for individuals to provide a collateral free loan of up to ₹ 50 Lakhs. This scheme also includes.

. The one-time availability for loans in North-eastern regions is reduced from 1.5% to 0.75%.
. Promoting women entrepreneurship.
. Loans of up to ₹ 5 Lakhs for micro-enterprises.
. The guarantee cover is increased from 75% to 80%.
. The rate of subsidy for MSME is 15%.
. The upper limit of the loan provided is ₹ 1 Crore.

ISO 9000/ISO 14001 Certification Reimbursement Scheme : This scheme provides an incentive to all those small scale business/industries that have ISO 9000/ISO 14001/HACCP certifications. These incentives are meant for technological up-gradation, quality and environment management.
Almost 75% of the acquiring charges (certifications) are refunded which subject to a maximum of ₹ 75,000 in each case.

Micro & Small Enterprises Cluster Development Programme (MSE-CDP) : This scheme focuses on enhancing productivity and improving the availability of different services to medium and small enterprises. The assistance is provided on-

. Infrastructure Development (Government Contribution 60%)
. Diagnostic Study (Maximum cost ₹ 2.50 Lakh)
. Soft Intervention (Government Contribution 75%)
. Setting Common Facility Centre (Government Contribution 70%)

A separate council Micro and Small Enterprises Facilitation Council is established for timely resolution of disputes with the customers.

15% subsidy of CLCSS : Credit Linked CGSTI Subsidy Scheme (CLCSS) is a scheme of The Ministry of Micro, Small, Medium Enterprises (MSME) for technological upgradation of the businesses. The government of India launched the scheme in October-2000, and it offers a 15% subsidy which can not go beyond ₹15 lakhs. The maximum limit of loans for subsidy’s calculation under the scheme is ₹100 lakhs.

Following industries can avail benefits of CLCSS:

. Bio-tech Industry
. Drugs and Pharmaceuticals
. Common Effluent Treatment Plant
. Food Processing (Ice-cream included)
. Rubber Processing including vehicle Tyre
. Dyes and Intermediates
.Industry based on Medicinal and Aromatic plants
. Corrugated Boxes
. Plastic Molded / Extruded Products and Parts/ Components
. Poultry Hatchery & Cattle Feed Industry

Where MSME Registration has been registered with the government

Micro, small and medium sized enterprises in both the manufacturing and service sector can obtain MSME Registration under the MSMED Act. Though the MSME registration is not statutory, it is beneficial for business at it provides a range of benefits such as eligibility for lower rates of interest, excise exemption schemes, tax subsidies, power tariff subsidies, capital investment subsidies and other support.

Documents Required for the MSME Registration

a) Aadhar Card Copy – Aadhar is the mandatory now for the MSME Registration Online. Without Aadhar card you can’t register for the MSME Registration. In the case of the private limited company registration or partnership etc. Partners aadhar card is worked because there is no Aadhar card on company name.

b) Mobile Number linking with the Aadhar card – MSME Registration is online so you have to required to link your mobile number with the Aadhar card. If number is not linked with the Aadhar card then you have to required the alternative documents like pan card copy etc.

Characteristics of the MSME/Udyam registration

MSME/Udyog registration has been replaced with the Udyam Registration. If any micro, small and medium industries want to start any business; they need to do the registration with MSME/Udyam Registration. This registration with MSME/Udyam Registration is completely online. This facility provides the business with a lot of benefits and subsidies.

For registration under the Udyam registration, an Aadhaar card is compulsory. In case an applicant is other than the proprietor, the Aadhaar card of the partner and the director will be required.

An existing and new business can apply for MSME/Udyam Registration, provided the existing unit is functioning and meets the threshold limits for registration. UAM Registration has to be re-registered for Udyam registration to avail the benefits of MSME.

There is no expiry of the Udyam Registration Certificate. As long as the entity is ethical and financially healthy there will be no expiry of the certificate. The Udyam Registration has lifetime validity unless cancelled.

MSME covers only manufacturing and service industries. Trading companies are not covered by the scheme. MSME is to support startups with subsidies and benefits, trading companies are just like middlemen, a link between manufacturer and customer.

The MSME/Udyam Registration Certificate is for a single entity irrespective of multiple branches or plants. However, information about multiple branches or plants must be furnished.

Documents Required for MSME Registration

The Udyam registration process is entirely online and does not require the uploading of any documents. However, before applying for Udyam Registration, the proprietor or owner of the enterprise is required to have the following documents:-

MSME Registration Process

MSME registration is to be done in the government portal of udyamregistration.gov.in. The registration of MSMEs can be done under the following two categories in the portal –

For New Entrepreneurs who are not Registered yet as MSME and
For those having registration as EM-II or UAM and for those having registration as EM-II or UAM through Assisted filing.

Information Required for MSME Registration

Aadhaar Card is the only document required for MSME registration. MSME registration is fully online and no proof of documents is required. PAN and GST linked details on investment and turnover of enterprises will be taken automatically by the Udyam Registration Portal from the Government databases. The Udyam Registration Portal is fully integrated with Income Tax and GSTIN systems. PAN and GSTIN number is mandatory from 01.04.2021 for registration. Registration without PAN and GSTIN can be done now but have to be updated with PAN number and GSTIN number within 01/04/2021 for avoiding suspension of registration. Those who have EM-II or UAM registration or any other registration issued by any authority under the Ministry of MSME, will have to re-register themselves in this Portal.

Registration with PAN Card

When clicked on the “For New Entrepreneurs who are not registered yet as MSME” button on the homepage of the government portal, it opens the page for registration and asks to enter the Aadhaar number of the entity and the name of the entrepreneur. After entering these details, “Validate and Generate OTP Button” is to be clicked. Once, this button is clicked and OTP is received and entered, the PAN Verification page opens. If the entrepreneur has a PAN Card, the portal gets the PAN details from the government databases and automatically fills details on the page. The ITR details are to be filled by the entrepreneur. Once PAN details are entered, a message appears as “Udyam Registration has already been done through this PAN” and the entrepreneur needs to click the “Validate PAN” button. After verification of PAN, the Udyam Registration box will appear and the entrepreneurs need to fill the personal details and details of the plant or industry. Once the details are filled, the “Submit and Get Final OTP” button is clicked, the MSME is registered and a message of successful registration with reference number will appear. After verification of registration, which may take a few days, the Udyam Registration Certificate is issued.

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On the home page of the Government portal.click on the "For New Entrepreneurs who are not registered yet as "MSME".

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It opens the page for registrationand asks to enter the Aadhaar number and the name of the entrepreneur

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After that click on "Validate and Generate OTP Button"

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Once,this button clicked and OTP is received and entered, the PAN Verification page opens

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If the entrepreneur has a PAN card, the portal get the PAN details from the government databases and automatically fills details on the page.

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The ITR details are to be filled by the entrepreneur.

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Once PAN Details are entered, a message appears as"Udyam Registration has already been done through this PAN" and the entrepreneurs needs to click the "validate PAN" button

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After verification of PAN, the udyam registration box appear and the entrepreneurs need to fil the personal details and detalils of plant or industry.

Once the detals are filled,"the submit and get final OTP" button is clicked the MSME is registered and a message of successful registration with reference number will appear. After verification of registration, which may take a few days,the Udyam Registration cerificate is issued.

Registration without PAN Card

The button “For New Entrepreneurs who are not registered yet as MSME” is to be clicked on the homepage of the government portal. It opens the page for registration and asks to enter the Aadhaar number and the name of the entrepreneur. After entering these details, “Validate and Generate OTP Button” is to be clicked. Once, this button is clicked and OTP is received and entered, the PAN Verification page opens. If the entrepreneur does not have a PAN Card, the “No” option under the heading “Do you have PAN?” is to be clicked and then the “Next” button. After the “Next” button is clicked, the Udyam Registration page opens where the entrepreneur should enter his personal details and plant or industry details. Once the details are filled, “Final Submit” is clicked and a thank you message will appear with the registration number. After getting the PAN and GSTIN, it needs to be updated on the portal within 01/04/2021 to avoid suspension of Udyam Registration.

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On the home page of the Government portal.click on the "For New Entrepreneurs who are not registered yet as "MSME".

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It opens the page for registrationand asks to enter the Aadhaar number and the name of the entrepreneur

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After that click on "Validate and Generate OTP Button"

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Once,this button clicked and OTP is received and entered, the PAN Verification page opens

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If the entrepreneur doess not have a PAN card, the "NO" option under the heading."Do you have PAN?" is to be clicked and the "NEXT" Button.

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After tne "NEXT" buton IS clicked, the Udyam Registration page opens where the entrpreneur shoud enter his personal details and plant or industry details.

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Once the Details are filled "final submit" is clicked and a thank you message will appear with the registration number.

After getting the PAN and GSTIN, it need to be updated on the portal within 01/04/2021 to avoid suspension of Udyam Resistration.

MSME Returns

FORM MSME-1 Furnishing return with ROC in respect of outstanding payments to Micro or Small Enterprise. MCA wide order dated 22nd January, 2019 directed all companies, who get supplies of goods or services from micro and small enterprises and whose payments to micro and small enterprise suppliers exceed forty five days from the date of acceptance or the date of deemed acceptance of the goods or services as per the provisions of section 9 of the Micro, Small and Medium Enterprises Development Act,2006 (27 of 2006)(hereafter referred to as “Specified Companies”),shall submit a half yearly return to the Ministry of Corporate Affairs stating the following: (a) The amount of payment due; and (b) The reasons of the delay; Every specified company shall file in MSME Form I details of all outstanding dues to Micro or small enterprises suppliers existing on the date of notification of this order i.e. 22nd January, 2019 within thirty days from the date of deployed on MCA 21 portal.(i.e. within 30 days from the 1st may, 2019) Every specified company shall file a return as per MSME-1,by 31st October for the period from April to September and by 30th April for the period from October to March. MSME-1 FORM is required to file two times in the month of May, 2019:

Initial Return for the amount outstanding as on 22nd January, 2019
Half Yearly Return for the amount outstanding as on 31st March, 2019.

Important Definition
1. Specified Companies mean all companies, who get supplies of goods or services from micro and small enterprisesand whose payments to micro and small enterprise suppliers exceed forty five days from the date of acceptance or the date of deemed acceptance of the goods or services as per the provisions of section 9 of the Micro, Small and Medium Enterprises Development Act, 2006. Note: MSME-1 is not applicable to Medium Enterprises.

2. Micro & Small Enterprises above means any class or classes of enterprises (including companies, Partnership firm, Association of Person, Hindu Undivided family, Co-operative Society, Proprietorship Firm, other entities etc) shall be :

Classification	Ceiling on Investment in Plant and Machinery (in INR) for enterprises engaged in or production, processing or preservation of goods	Ceiling on Investment in Plant and Machinery (in INR) for enterprises engaged in or production, processing or preservation of goods
Micro	Below ₹ 25 lakhs	Below ₹ 10 lakhs
Small	More than ₹25 lakh but does not exceed ₹ 5 crore	More than ₹25 lakh but does not exceed ₹ 5 crore

Note: Only registered enterprises and having valid MSME certificate shall be considered and Udyog Aadhar is also considered as MSME registration.
3. Day of Acceptance means:

(a)The day of the actual delivery of goods or the rendering of services; or
(b)Where any objection is made in writing by the buyer regarding acceptance of goods or services within fifteen days from the day of the delivery of goods or the rendering of services, the day on which such objection is removed by the supplier.

4.Day of Deemed Acceptance meansday of the actual delivery of goods or the rendering of services, where no objection is made in writing by the buyer regarding acceptance of goods or services within fifteen days from the day of the delivery of goods or the rendering of services.

Procedure for filing MSME Return

Details to Be Furnished In MSME-1:

Name of supplier
PAN of supplier
Amount due against the supplies of goods or services
Date from which the amount is due
Reason of delay in payment of the amount due

Procedure

Firstly identify your MSME registered suppliers and ask for their registration certificate.
If there are any such suppliers who are registered under MSME Act and if the payments to them are due for more than 45 days from the date of acceptance of the goods and services, then details of such suppliers shall be furnished in Form MSME-1.

Consequences for Non- Filing

If any company fails to file MSME-1 within 30 days or knowingly furnishes any information or statistics which is incorrect or incomplete in any material respect, the company shall be punishable with fine which may extend to twenty-five thousand rupeesand every officer of the company who is in default, shall be punishable with imprisonment for a term which may extend to six months or with fine which shall not be less than twenty-five thousand rupees but which may extend to three lakh rupees, or with both.

MSME schemes launched by the Government are:

Technology and Quality upgradation scheme:

Registering in this scheme will help the micro, small and medium enterprises to use energy efficient technololgies (EETs) in manufacturing units so as to reduce the cost of production and adopt a clean development mechanism.

Grievance monitoring system:

Registering under this scheme is beneficial in terms of getting the complaints the business owners addressed. In this, the busniess owners can check the status of their complaints, open them if they are not satisfied with the outcome.

Incubation

This scheme helps innovators with the implementation of their new design,ideas or products. This scheme provides finnnancial assistance for setting up'Business Incubators'. This scheme promotes new ideas,designs,products etc.,

Credit linked capital subsidy scheme:

Under this scheme new technology is provided to the business owners to replace their old and obsolete technolugy. A capital subsidy is given to the business to upgrade and have better means to do their business. These small, micro and medium enterprises can directly approach the banks for their subsidies.

New MSME Act and its Effect on the Payment Cycle under the New GST Returns

The Micro, Small and Medium Enterprises Development Act (MSMED), 2006 was enacted to support the creation and development of MSMEs. It also enhances their ability to compete with other domestic and larger foreign counterparts. The recently implemented new GST return filing system brought with it many changes aimed at simplifying the process of filing returns.

Background of the New GST Return Filing System

One of the main changes that the new system brings is the increase in the turnover limit for classification of taxpayers for filing frequency:

Small taxpayers: Having aggregate turnover up to ₹5 crores in the preceding year;
Large taxpayers: Having aggregate turnover above ₹5 crores in the preceding year;

All MSMEs fall under the small taxpayer category. The new GST return system allows small taxpayers to choose quarterly filing of returns, whereas the large taxpayers must file returns only on a monthly basis. Further, registered buyers can take the input tax credit (ITC) inANX-2 only on the basis of invoices uploaded by their suppliers in their corresponding ANX-1.

Background of the MSMED Act, 2006

The MSMED Act, 2006 specifies 45 day credit period for the recipient of any goods or services to pay to the MSME supplier. It is included to protect the interest of the MSME business. The Ministry of Micro, Small & Medium Enterprises (MSME) launched MSME Samadhaan on 30 October 2017. It was launched to empower micro and small entrepreneurs across the country. It enables them to directly register their cases about delayed payments by Central Ministries/ Departments/ CPSEs/ State Governments.

The Payment Cycle Problem

The issue arises when MSME taxpayers, who opt for quarterly filing of returns, make a supply to large taxpayers. The same is presented as follows:
The MSME can declare the details relating to this supply anytime in the three months of the relevant quarter by the 11th of the month following the quarter.
The recipient of the supply, on the other hand, being a large taxpayer, will claim ITC and file GST returns on a monthly basis.
The recipient will want to ensure that the MSME supplier declares the invoice details on GST portal for such supply on a timely basis. Thereby, he can avail the ITC only after the MSME uploads the invoices.
As a result, the recipient may choose to hold back payment of either the tax portion of the invoice or the entire invoice itself to such MSME supplier, until he declares the same on the portal.
However, the MSMED Act does not allow the recipient to hold back the payment beyond 45 days.
It discourages the large taxpayers from dealing with the MSMEs until they change the filing frequency to monthly or upload invoices on a monthly basis since it might create working capital issues for an MSME due to a delayed or potential non-availability of ITC.
MSMEs may face additional compliance cost to maintain a system for uploading invoices regularly on a monthly basis rather than on a quarterly basis.
It obligates the MSME to opt for a monthly return filing system, thus defeating the objective of the new return system to simplify the return filing process.

Solution offered & Conclusion

On 23 August 2019, the Hon’ble Finance Minister Nirmala Sitharaman has announced many measures to boost the economy. One of them is the intention to allow GSTN to partner with the Trade Receivables Discounting System (TReDS)

TReDS is an existing platform specially created for MSMEs to sell/discount their trade receivables. This helps the MSME free up working capital faster. The TReDS platform allows for bidding of discount rates that ensure that the MSME gets the best discounting price in the market. The partnership with GSTN helps authenticate the invoice raised by the MSME since GSTN can confirm the existence of the receivable subsequent to entering the relevant details on its portal. This would incline the MSME to file its GST returns sooner to be able to sell its receivables. The quarterly return filing option does help to ease the burden of compliance on the MSME. However, choosing to file monthly returns makes it more attractive for large taxpayers to deal with the MSME. While the payment cycle problem faced by the large taxpayers in dealing with the MSMEs isn’t fully addressed, it does appear to be a step in the right direction.

Various MSME Schemes of the Central Government

S.No	SME Division Schem	Related Scheme	Description	Nature of assistance	Who can apply?	How to apply?
1	Scheme for 'Providing financial assistance on International Cooperation'	International Cooperation Scheme	The scheme covers the following activities: (a)Deputation of MSME business delegations to other countries for exploring new areas of technology infusion/ upgradation, facilitating joint ventures, improving market of MSMEs products, foreign Collaborations, etc. (b)Participation by Indian MSMEs in international exhibitions, trade fairs and buyer-seller meets in foreign countries as well as in India, in which there is international participation. Holding international conferences and seminars on topics and themes of interest to the MSME.	IC scheme provides financial assistance of up to 95% of airfare and space rent of entrepreneurs. Assistance is provided on the basis of size and type of the enterprise. It also provides assistance for common expenses of delegation like freight & insurance, local transport, secretarial/ communication services, printing of common catalogue, etc.3	(a)State/ Central Government Organizations; (b)Industry/ Enterprise Associations; and (c)Registered Societies/ Trusts and Organizations associated with promotion and development of MSMEs.	Apply online or else can send applications for seeking financial assistance, in the prescribed to the Director (International Cooperation), Ministry of MSME, Udyog Bhavan, New Delhi - 110011
2	Scheme for providing establishment of new institutions (EDIs), strengthening the infrastructure for EDIs under ATI scheme	Assistance to Training Institutions scheme	The assistance shall be provided to training institutions in the form of capital grant for creation/strengthening of infrastructure and programme support for conducting entrepreneurship development and skill development programmes.	Maximum assistance for creation or strengthening of infrastructure will be ₹150 lakhs on matching basis, not exceeding 50% of project cost. However, for the North Eastern region (including Sikkim), Andaman & Nicobar and Lakshadweep, maximum assistance on matching basis would be ₹ 270 lakhs or 90% of project cost, whichever is less. Maximum assistance per trainee per hour for entrepreneurship development and skill development programmes is ₹50 (₹60 for NER, A&N and Lakshadweep)	Any State/ Union Territory Government, Training Institutions, NGOs and other development agencies can apply for assistance for creation or strengthening of infrastructure. Training institutions who wish to conduct training programmes under the scheme will have to enroll themselves with any of the three national level EDIs of the Ministry viz, NIESBUD, Noida; IIE Guwahati and ni- MSME, Hyderabad.	Organizations who wish to apply for assistance for creation or strengthening of infrastructure may send their applications to the Director (EDI), Ministry of Micro, Small and Medium Enterprises, Udyog Bhawan, Rafi Marg, New Delhi - 110 107. Training institutions who wish to conduct training programmes or persons who wish to enroll for training programmes under the scheme may visit http://msmetraining.gov.in/ approach any of the three EDIs mentioned.
3	Marketing support under the Marketing Assistance scheme	Marketing Assistance Scheme	The assistance is provided for following activities: A.Organizing exhibitions abroad and participation in international exhibitions/ trade fairs B.Co-sponsoring of exhibitions organized by other Organizations/ industry associations/ agencies Organizing buyer-seller meets, intensive campaigns and marketing promotion events	Financial assistance of up to 95% of the airfare and space rent of entrepreneurs. Assistance is provided on the basis of size and type of the enterprise. Financial assistance for co-sponsoring would be limited to 40% of the net expenditure, subject to a maximum amount of ₹ 5 lakh.	MSMEs, Industry Associations and other organizations related to the MSME sector	The applications/ proposals for seeking assistance under the scheme shall be submitted to the nearest office of National Small Industries Corporation, with full details and justification.

Development Commissioner (DC-MSME)

S.No	Related Scheme	Description	Nature of assistance	Who can apply?	How to apply?
1	Credit Guarantee Scheme	Ministry of Micro, Small and Medium Enterprises, GoI and Small Industries Development Bank of India (SIDBI), established a Trust named Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) to implement Credit Guarantee Fund Scheme for Micro and Small Enterprises. The corpus of CGTMSE is being contributed by GoI and SIDBI.	For individuals: Collateral free loans up to a limit of ₹ 50 lakhs - for individual MSEs	Both existing and new enterprises are eligible to be covered under the scheme.Both existing and new enterprises are eligible to be covered under the scheme.	Candidates meeting eligibility criteria may approach Banks/ Financial Institutions, which are eligible under the scheme, are scheduled commercial banks and select Regional Rural Banks.
2	Credit Linked Capital Subsidy Scheme for Technology Upgradation	Technology up-gradation would ordinarily mean induction of state of- the-art or near state-of-the-art technology. In varying mosaic of technology obtaining in more than 7,500 products in Indian small scale sector, technology up-gradation would mean a significant step up from present technology level to a substantially higher one involving improved productivity, and/or improvement in quality of products and/or improved environmental conditions including work environment for the unit. It includes installation of improved packaging techniques as well as anti-pollution measures and energy conservation machinery. Further, units in need of introducing, facilities for in-house testing and on-line quality control would qualify for assistance, as the same is a case of technology upgradation. Replacement of existing equipment/technology with same equipment/ technology will not qualify for subsidy under this scheme, nor would scheme be applicable to units upgrading with second hand machinery.	The revised scheme aims at facilitating technology up-gradation by providing 15% up-front capital subsidy to SSI units, including tiny, khadi, village and coir industrial units, on institutional finance availed of by them for induction of well established and improved technologies in specified sub-sectors/products approved under the scheme. Revised CLCSS has been amended as follows: (a)Ceiling on loans under scheme has been raised from ₹ 40 lakh to ₹ 1 crore (b)Rate of subsidy has been enhanced from 12% to 15% (c)Admissible capital subsidy is calculated with reference to purchase price of plant and machinery, instead of term loan disbursed to beneficiary unit (d)Practice of categorization of SSI units in different slabs on the basis of their present investment for determining eligible subsidy has been done away with; and (e)Operation of scheme has been extended upto 31 st March, 2007. The above revisions/ amendments are effective from September 29, 2005.	Eligible beneficiaries include sole proprietorships, partnerships, cooperative societies, and private and public limited companies in the SSI sector. Priority shall be given to women entrepreneurs.	Candidates meeting eligibility criteria may all scheduled commercial banks, scheduled cooperative banks [including urban cooperative banks co-opted by SIDBI under Technological Upgradation Fund Scheme (TUFS) of Ministry of Textiles], Regional Rural Banks (RRBs), State Financial Corporations (SFCs) and North Eastern Development Financial Institution (NEDFi) are eligible as PLI under this scheme after they execute a General Agreement (GA) with any of nodal agencies, i.e., Small Industries Development Bank of India (SIDBI) and National Bank for Agriculture and Rural Development (NABARD).
3	ISO 9000/ISO 14001 Certification Reimbursement Scheme	Small scale sector has emerged as dynamic and vibrant and making significant contribution to industrial production, export and employment generation. The process of economic liberalization and market reforms has opened up Indian small scale sector to global competition. In order to enhance the competitive strength of small scale sector, Government introduced an incentive scheme for their technological up-gradation/ quality improvement and environment management. The scheme provides incentive to those small scale/ancillary undertaking who have acquired ISO 9000/ISO 14001/HACCP certifications. The scheme enlarged so as to include reimbursement of expenses for acquiring ISO 14001 certification.	Scheme envisages reimbursement of charges of acquiring ISO- 9000/ISO-14001/HACCP certifications to the extent of 75% of expenditure subject to a maximum of ₹ 75,000 in each case.	Permanent Registered Micro Small Enterprises (MSEs) units are eligible to avail incentive scheme. Scheme is applicable to those MSEs/ ancillary/ tiny/ SSSBE units who have already acquired ISO- 9000/ISO-14001/ HACCP certification.	Formats of application & required documents together with "Check list" are enclosed. Small & micro units with EM No. are required to submit their application duly completed to their local Director, MSME-DI addresses given in following websites : www.dcmsme.gov.in
4	Micro & Small Enterprises Cluster Development Programme (MSE-CDP)	Ministry of Micro, Small and Medium Enterprises (MSME), Government of India (GoI) has adopted cluster development approach as a key strategy for enhancing productivity and competitiveness as well as capacity building of Micro and Small Enterprises (MSEs) and their collectives in the country. Clustering of units also enables providers of various services to them, including banks and credit agencies, to provide their services more economically, thus reducing costs and improving availability of services for these enterprises. Objectives of the scheme: i.Support sustainability and growth of MSEs by addressing common issues such as improvement of technology, skills and quality, market access, access to capital, etc. ii.Build capacity of MSEs for common supportive action through formation of self help groups, consortia, upgradation of associations, etc. iii.To create/upgrade infrastructural facilities in the new/existing industrial areas/clusters of MSEs. To set up common facility centres (for testing, training centre, raw material depot, effluent treatment, complementing production processes, etc).	Diagnostic study Soft intervention Setting up of Common Facility Centres (CFCs) Infrastructure development (Up-gradation/New) Cost of project and Govt. of India assistance: •Diagnostic study - Maximum cost ₹ 2.50 lakhs. •Soft interventions - Maximum cost of project ₹ 25.00 lakh, with GoI contribution of 75% (90% for special category States and for clusters with more than 50% women/ micro/ village/ SC/ST units). •Hard interventions i.e., setting up of CFCs – maximum eligible project cost of ₹15.00 crore with GoI contribution of 70% (90% for special category States and for clusters with more than 50% women/ micro/ village/ SC/ST units). Infrastructure development in the new/existing industrial estates/ areas. Maximum eligible project cost ₹10.00 crore, with GoI contribution of 60% (80% for special category States and for clusters with more than 50% women/micro/SC/ST units)	Industrial association/ Consortium, Clusters	Online applications are only considered with effect from 01-04-2012. Hard copy of applications needs to be sent through State Governments or their autonomous bodies or field institutes of Ministry of MSME i.e., MSME-DIs. The proposals are approved by Steering Committee of MSE-CDP.n
5	Micro Finance ProgrammeMicro Finance Programme	Government launched a Scheme of Micro Finance Programme and tied up with existing programme of SIDBI by way of contributing towards security deposits required from the MFIs/NGOs to get loan from SIDBI. The scheme is being operated in underserved States and underserved pockets/ districts of other States.	Government of India provides funds for Micro Finance Programme to SIDBI, which is called ‘Portfolio Risk Fund’ (PRF). At present SIDBI takes fixed deposit equal to 10% of loan amount. The share of MFIs/NGOs is 2.5% of loan amount (i.e., 25% of security deposit) and balance 7.5% (i.e., 75% of security deposit) is adjusted from funds provided by the Government of India.	MFIs/NGO	Submit the proposal in prescribed form to SIDBI
6	MSME Market Development Assistance (MDA)	As part of comprehensive policy package for MSMEs, MSMEMDA scheme has been announced with a view to increase participation of representatives of participating units, the provision of MSME-MDA scheme has been modified recently. MDA is offered in three forms as mentioned below: Participation in the international exhibitions/fairs - For registered small & micro manufacturing enterprises with DI/DIC. Financial assistance for using Global Standards (GS1) in barcoding - Recognized importance of barcoding and avail financial assistance through Office of DC (MSME). Purchase and Price Preference Policy - This is administered through Single Point Registration Scheme of NSIC. Under this, 358 items are reserved for exclusive purchase from MSME by Central Government. Other facilities include tender documents free of cost, exemption from earnest money and security deposit and 15% price preference in Central Government purchases - for individual MSMEs.	The scheme offers funding upto 75% in respect of to and fro air fare for participation by MSME entrepreneurs in overseas fairs/trade delegations. The scheme also provide for funding for producing publicity material (upto 25% of costs)-Sector specific studies (upto ₹2 lakhs) and for contesting anti-dumping cases (50% upto ₹1 lakh) - for individual MSMEs & associations.	Individual MSMEs & industry associations	Candidates meeting eligibility criteria may send their application to office of DC (MSME) through concerned MSME‐DIs
7	National Awards (for individual MSEs))	Micro, Small & Medium Enterprises (MSMEs) in India have seen a vast development. MSMEs have registered tremendous growth as also progress in terms of quality production, exports, innovation, product development and import substitution, very much beyond expected objectives of setting up MSMEs. Entrepreneurial efforts have made it possible to produce number of items, which hitherto were imported. In quite a few cases new variants so produced are having additional attributes than their original versions and are capable of solving a multitude of user problems. This all has become possible owing to ambitions and visionary spirit of entrepreneurs of MSMEs Ministry of Micro, Small and Medium Enterprises with a view to recognizing efforts and contribution of MSMEs gives National Award annually to selected entrepreneurs and enterprises under the scheme of National Award.	1. Outstanding efforts in Entrepreneurship in Micro, Small & Medium Enterprises (MSMEs) (i). Outstanding efforts in Entrepreneurship in Micro & Small Enterprises engaged in manufacturing (ii). Outstanding Efforts in Entrepreneurship in Micro & Small Enterprises rendering Services (iii). Outstanding Efforts in Entrepreneurship in Medium Enterprises engaged in manufacturing. 2. Research & Development Efforts in Micro, Small & Medium Enterprises (MSMEs) (i). Research & Development Efforts in Micro & Small Enterprises. (ii). Research & Development Efforts in Medium Enterprises. 3. Quality Products in Micro & Small Enterprises (MSEs) in each selected product Groups. 4. National award Entrepreneurship Service. Under the categories I National Award (Cash Prize ₹1.00 lakh) II National Award (Cash Prize ₹ 0.75 lakh) III National Award (Cash Prize ₹ 0.50 lakh) Special National Award for women (Cash Prize ₹1.00 lakh) Special National Award to SC/ST Entrepreneur (Cash Prize ₹1.00 lakh) Special National Award to NER Entrepreneur (Cash Prize ₹1.00 lakh) Special Recognition Award to MSMEs scoring marks above 80% and 50% in case of NER (Cash Prize ₹ 0.20 lakh)	Deserving entrepreneurs managing Micro, Small and Medium Enterprises Having permanent SSI registration/ have filed Entrepreneurs Memorandum Part-II with authorities notified. MSMEs should have been in continuous production/ servicing at least during last three years.	Eligible enterprises send nominations in prescribed proforma/ downloaded only on prescribed form to Director, MSME-DI of the State where their MSMEs is registered/have filed Entrepreneurs Memorandum (EM).

National Manufacturing Competitiveness Programme (NMCP) Schemes
DC-MSME Schemes under National Manufacturing Competitiveness Programme

S.No	Related Scheme	Description	Nature of assistance	Who can apply?	How to apply?
1	National Manufacturing Competitiveness Programme (NMCP)National Manufacturing Competitiveness Programme (NMCP)	National Manufacturing Competitiveness Council (NMCC) has finalized a five-year national manufacturing programme. Ten schemes have been drawn up including schemes for promotion of ICT, mini tool room, design clinics and marketing support for SMEs. Implementation will be in PPP model, and financing will be tied up. Under this plan following schemes are being implemented. 1 Marketing support/ Assistance to MSMEs (Bar Code) 2 Support for entrepreneurial and managerial development of SMEs through incubators 3 Enabling manufacturing sector to be competitive through Quality Management Standard & Quality Tech. Tools (QMS/QTT) 4 Building awareness on Intellectual Property Rights (IPR) for MSME 5 (a) Lean manufacturing competitiveness scheme for MSMEs (b) Compendium of success stories. 6 (a) Design clinic scheme for design expertise to MSMEs manufacturing sector (DESIGN) (b) Case studies of design projects under design clinic scheme for MSMEs 7 Marketing assistance & technology up-gradation scheme in MSMEs. 8 Technology and quality up-gradation support to MSMEs 9 Promotion of ICT in Indian manufacturing sector (ICT)	Varies for each scheme. The reader is requested to refer following website: http://www.dcmsme.gov.in/schemes/nmcp_scm.htm.	MSMEs	Submit the proposal in prescribed form given in the DC (MSME)
2	i). Marketing Support/ Assistance to MSMEs (Bar Code)	To provide financial assistance to Micro and Small Enterprises (MSEs) to enhance their marketing competitiveness. Under this scheme MSEs are encouraged and motivated for use of barcodes through seminars and reimbursement of registration fees.	Reimbursement of registration fee (one time and recurring for 3 years) for bar coding. Financial assistance for reimbursement of 75% of one-time registration fee (Under SSI-MDA Scheme) w.e.f., 1st January, 2002 and 75% of annual recurring fee for first three years (Under NMCP Scheme) w.e.f., 1st June, 2007 paid by MSEs to GS1 India for using of Bar Coding.	The Scheme is applicable to those MSEs with EM-II registration and registration with GS1 India for use of barcode.	Once got registration for use of bar code for product (http://www.gs1india.org/), take following steps for reimbursement of fee  Fill prescribed application form for claiming reimbursement on Bar Code  Application form along with formats for supporting documents may be collected from Director, MSME-DI or can be downloaded from http://www.dcmsme.gov.in/  Application form with required documents is to be submitted to office of MSME-DI  Address of MSME-DI is given on the website: http://www.dcmsme.gov.in/MSMEDO/ DCmsmeaddress.html
3	ii). Support for Entrepreneurial and Managerial Development of SMEs	The objective of the scheme is to provide early stage funding for nurturing innovative business ideas (new indigenous technology, processes, products, procedure, etc.) which could be commercialized in a year. Under this scheme financial assistance is provided for setting up of business incubators..	Funding support for setting up of ‘Business Incubators (BI)’. The cost may vary between ₹4-8 lakh for each incubatee / idea, subject to overall ceiling of ₹ 62.5 lakh for each BI. Items @ per BI (a) Upgradation of infrastructure ₹2.50 lakhs (b) Orientation/ Training ₹ 1.28 lakhs (c) Administrative expenses ₹0.22 lakh Thus the total assistance per BI - ₹ 66.50 lakhs	Any individual or MSME having innovative idea near commercialization can apply to the host institution (e.g., IITs, NITs, Technical Colleges, Research institutes, etc.). See list of host institutions at http://www.dcmsme.gov.in/schemes/Institutions_Detail.pdf Any technical institution (as given in EOI) which wants to become host institution can apply to office of Development Commissioner – MSME (DC-MSME) or their nearest MSMEDIs, for funding support.	The scheme is based on Request for proposal (RFP)/Expression of Interest (EOI) and application by the technical institution, which wants to be host institution, can be made by it, once an RFP is released. - Any individual or MSME can apply directly to their nearest host institution, a list of host institution is given on the Website http://www.dcmsme.gov.in/schemes/Institutions_Detail.pdf
4	iii). Scheme for "Enabling Manufacturing Sector be Competitive through Quality Management Standards and Quality Technology Tools"	The objective of the scheme is to sensitize and encourage MSEs to understand and adopt latest Quality Management Standards (QMS) and Quality Technology Tools (QTT).	Funding support for introduction of appropriate course modules in technical institutions -Funding support for conducting ‘QMS awareness’ workshops (applicant – expert organization or industry associations) -Funding support for conducting Competition watch (Cwatch), study and analysis -Funding support for introduction QMS and QTT tools in selected MSMEs (applicant – expert organization or industry association) -Participation in International Study Mission (MSEs as selected by Monitoring and Advisory committee) - A total contribution of ₹ 425 lakhs per year will be done by GoI for introduction of course material, training the trainer, awareness workshop and other activities -Funding support of ₹1.25 lakhs per programme will be provided for conducting awareness program. -Under C-watch GoI contribution of ₹2.5 lakh for professional study on threatened product. GoI contribution of ₹7.5 lakh for technical exposure visit GoI contribution of ₹2.5 lakhs for procurement of samples GoI contribution of ₹ 5 lakhs for product development GoI contribution of ₹1.5 lakhs for popularization of improved products -GoI contribution of ₹ 2.5 lakh/unit for covering costs of diagnostic study and for implementation of Quality Technology Tools/Quality Management Standards (25 - 50% cost will be paid by participating units) - GoI contribution of ₹2.5 lakh per SME for international visit. (25% and 50% cost to be collected by micro and small organizations respectively	Expert organizations like Quality Council of India (QCI), National Recruitment Board for Personnel and Training, Consultancy Development Corporation, National Productivity Council, Standardization Testing & Quality Certification (STQC, a Society under Ministry of IT), IIQM (Indian Institute of Quality Management), Industry Associations that have taken active interest in QMS/QTT, Technical Institutions, Engineering Colleges, Tool Rooms and similar bodies, etc., MSEs	MSEs or Clusters may contact office of DC (MSME). DC office will finalize MSME clusters for conducting the Awareness Programme on Quality Management Standards and Quality Technology Tools (QMS/QTT).
5	iv. Building Awareness on Intellectual Property Rights (IPR)	The objective of the scheme is to enhance awareness of MSME about Intellectual Property Rights (IPRs) to take measure for the protecting their ideas and business strategies. Effective utilization of IPR tools by MSMEs would also assist them in technology upgradation and enhancing competitiveness	Funding support for - Conducting awareness/ Sensitization programmes on IPR (Applicants – MSME organizations and expert agencies) - Conducting pilot studies for selected clusters/Groups of industries (Applicants – MSME organizations competent agencies and expert agencies) - Funding support for conducting Interactive Seminars/Workshops (Applicants – MSME organizations and expert agencies) - Funding support for conducting specialized training on IPR (Applicants – Expert agencies) - Funding support for Assistance for Grant on Patent/GI Registration (Applicants – MSME units and MSME organizations) - Funding support for setting up of ‘IP Facilitation Centre for MSME (Applicants – MSME organizations and IPR facilitating agencies) - Funding support for organizing interaction with International Agencies (Applicants – MSME organizations and IPR facilitating agencies) - GoI assistance of ₹1 lakh per awareness programme will be provided - GoI assistance of ₹2.5 lakh per pilot study will be provided - GoI assistance of ₹2 lakh per programme of interactive seminar will be provided - GoI assistance of ₹6 lakh per short term training programme and ₹45 lakh per long term training programme will be provided - Registered Indian MSME will be provided one-time financial support limited up to ₹25,000 for on grant of domestic patent and ₹ 2.00 lakh for foreign patent. For registering under Geographical Indications of Goods Act, one time financial support will be limited up to ₹1.00 lakh. - GoI will provide a total financial support up to ₹65.00 lakh each for establishing IP facilitation centres, which will include one-time grant of ₹45.00 lakh and ₹18.00 lakh as recurring expenses for 3 years, ₹2 lakhs will be provided as miscellaneous charges - Government of India will provide financial support up to ₹5.00 lakh and ₹7.50 per event for domestic intervention and International Exchange Programme respectively	Registered MSME Units - MSME organizations - like industry association, societies, cooperatives, firms, trusts, NGOs, institutions and universities with a track record of assisting MSMEs - Competent agencies - like consultancy organizations, research institutes, individual experts or agencies having sound technical and financial capabilities to conduct pilot studies with at least five years of previous experience - Expert agencies - like TIFAC, Patent Facilitation Centre, NRDC, Indian Patent Office, Registrar of Trademark, Registrar of Geographical Indication, D.B.T., Registrar of Copyright, MoHRD, NIIPM, IITs, Law Schools, Patent Attorneys, individual IPR expert, WIPO, EU-TIDP, USPTO, KIPO/KIPA, IIFT, DIT, MoEF, Ministry of MSME, DSIR and other such bodies - Quasi-Government or Government Aided bodies - Private units provided it is sponsored by MSME Industry Associations	Application forms for each of the components are given with scheme guidelines (http://www.dcmsme.gov.in/schemes/IPR10.pdf ) , one can download application form from there and send it to nearest MSME-DI.
6	v. Lean Manufacturing Competitiveness Scheme for MSMEs	The objective of the scheme is to enhance the manufacturing competitiveness of MSMEs through the application of various Lean Manufacturing (LM) techniques.	Financial assistance for implementation of Lean Manufacturing techniques primarily cost of Lean Manufacturing consultant.(80% by GoI and 20% by beneficiaries) Lean manufacturing consultants will raise bills for services provided to SPV, SPV will pay first installment of 20% to LMC and will get it reimbursed by NMIU; funds will be transferred to NMIU by GoI. The payment to LMC by SPV would be on a milestone basis in 5 tranches of 20% each.	Scheme is open to all Micro, Small and Medium Manufacturing Enterprises. The units should be registered with DIC (EM-II) or with any other agency (Professional body, association, Government agency, department, etc). The units are required to form a MC ideally of 10 units (minimum 6) by signing among themselves a Memorandum of Understanding (MoU) to participate in the scheme.	A group of SMEs can apply for the scheme, hence either a recognized SPV can apply or a mini cluster can be formed by a group of 10 or more units - The SPV can apply to the National Monitoring and Implementing Unit (National Productivity Council for the Scheme) in the given format - The approval is given in two steps, first is in-principal approval and final approval is given once the criteria of in-principal approval are fulfilled.
7	vi). Design Clinic Scheme for design expertise to MSMEs manufacturing sector (DESIGN)	The objective of the scheme is to increase competitiveness of MSMEs through design and hence spread awareness on importance of design and its learning.	Funding support for ‘Design Awareness’ workshops & seminars Funding support for implementing ‘Design’ projects GoI contribution of ₹60,000 per seminar and 75% subject to a maximum of ₹3 lakhs per workshop 60% of the total approved project cost or ₹9 lakhs, whichever is less, in case of a individual MSME or a group of not more than three MSME applicants 60% of the total approved project cost or ₹15 lakhs, whichever is less, in case of a group of four or more MSME applicants 40% to be contributed by the applicant MSME(s) in both cases.	- Expert agencies (industries associations, technical institutions or other appropriate bodies) for conducting seminars and workshops - MSMEs or group of MSMEs as prime applicants - Academic institutes/design company/design consultants, etc., as co-applicants along with a designated MSME (prime applicant) - Individual (e.g., design students) as co-applicants in collaboration with the academic institution and MSME (prime applicant)	- For conducting workshop and seminar, expert agencies can directly apply to design clinic centers. - For design projects application can be made by MSMEs without a design company or along with design consultant/ academic institution, by submitting proposal to Design Clinic Center or through internet. - Apply online at http://www.designclinicsmsme.org/ or Download form from www.dcmsme.gov.in/schemes
8	vii). Marketing Assistance & Technology Up-gradation Scheme	Marketing Assistance and Technology Upgradation scheme is a GoI initiative for adoption of modern marketing techniques by MSMEs consistent with the requirement of global market. The scheme is divided into eight subcomponents and GoI assistance is available in various proportions.	- Funding support for conducting awareness on new packaging technologies (applicant as mentioned in EOI) - Cluster based studies on packaging status and need for up-gradation (gap analysis) (applicant as mentioned in EOI) - Unit based intervention for packaging requirement (pilot). (Applicant as mentioned in EOI) - Funding support for conducting skill up-gradation/ Development programmes for modern marketing techniques. (Applicant as mentioned in EOI) - Funding support for conducting trade competition studies. (Applicant as mentioned in EOI) - Funding support to MSMEs belonging to North-Eastern Region for participation in marketing events. (For North East–Region MSMEs) - Enabling participation of MSMEs in State/District level local Exhibitions/Trade fairs and provide funding support (reimbursement) (Registered MSMEs) - Funding support (in the form of reimbursement) to MSMEs for adopting Corporate Governance Practices. (Registered MSMEs) - Funding support for setting up of marketing hubs - Reimbursement to ISO 18000/ISO 22000/ISO 27000 certification for MSMEs. - GoI assistance of ₹0.50 lakh per programme (GoI:unit :: 80:20) - per awareness programme - GoI assistance of ₹10 lakh (GoI:unit :: 80:20) – for cluster based study on packaging. - GoI assistance of ₹9 lakh (GoI:unit :: 80:20) for a group of 10 units towards unit based interventions for packaging requirements in clusters - GoI assistance of ₹6 lakh (GoI: unit :: 80:20) per cluster for skill up-gradation programmes - GoI assistance of ₹8 lakh (GoI:unit :: 80:20) per trade competition study - Reimbursement up to ₹75,000 per unit (north–east ) for space charge, to and fro and transport charges - The total reimbursement upto ₹30,000 per unit for SC/ST/ Women/Physically Handicapped entrepreneurs, and ₹20,000 per person for other MSME units for participation in state and district level trade fairs. - Reimbursement up to 50% of total expenditure subject to maximum ₹45,000 per MSME unit for adopting corporate government practices - Funding support of ₹ 30 lakhs (GoI) for marketing hubs, plus ₹ 5 lakhs (GoI) for furniture, IT, etc., and recurring expenses of ₹15 lakhs (80% GoI, 20% private units) for 2 years - One time reimbursement of expenditure to the extent of 75% subject to a maximum of ₹1 lakh in each case for acquiring ISO	-Competent agency as mentioned in the EOI guidelines, MSMEs, industry associations, NGOs.	For participation of MSMEs in State/District level trade fair - SSC supported by office of DC (MSME) will identify and approve manufacturing MSME clusters/units for participating in State/ District level local Exhibitions/Trade Fairs on the basis of responses received through MSME-DIs, Industries Associations, and NGOs - Applicant MSME unit will submit its claim along with required documents to local MSME-DI office for reimbursement in prescribed format For adopting Corporate Governance Practices. - Office of DC-MSME will identify MSME units for participating in this activity on the basis of request received through MSME-DIs, Industries Associations, and NGOs - The applicant MSME unit will submit claim along with required documents to the local MSME-DI office for reimbursement in prescribed format For Reimbursement of Certification - The application form is given along with the scheme guidelines, (http://www.dcmsme.gov.in/schemes/MarkAssis.pdf) fill application form and send it to Regional MSME-DI along with supporting documents.
9	viii). Technology and Quality Up-gradation Support to MSMEs	The scheme advocates use of energy efficient technologies in manufacturing units so as to reduce cost of production and adopt clean development mechanism.	- Capacity building of MSME clusters for Energy Efficiency/Clean Development and related technologies (Applicant - awareness programme and model DPRs by expert agencies as mentioned in EOI, energy audits, DPRs and EET projects by expert agencies, associations or MSMEs) - Implementation of Energy Efficient Technologies (EET) in MSME units (Applicant - registered MSME unit, to be implemented by SIDBI) - Setting up of Carbon Credit Aggregation Centers (Association, technical institutions and ESCOs) - Encouraging MSMEs to acquire product certification/licenses from National/International bodies - Funding support of 75% for awareness programme subject to maximum of ₹75,000 per awareness programme. - 75% of actual expenditure for cluster level energy audit and preparation of model DPR - 50% of actual expenditure subject to maximum ₹1.5 lakh per DPR towards preparation of subsequent detailed project reports (DPRs) for individual MSMEs on EET projects. - 25% of the project cost will be provided as subsidy by Government of India, balance amount is to be funded through loan from SIDBI/ banks/ financial institutions. The minimum contribution as required by the funding agency will have to be made by MSME unit. - 75% of the actual expenditure, subject to a maximum ₹15 lakh for establishing Carbon Credit Accreditation Centers - 75% subsidy is provided to MSME manufacturing units towards licensing of product to National/International standards. The maximum GoI assistance allowed per MSME is ₹1.5 lakh for obtaining product licensing/ marking to National Standards and ₹2.0 lakh for obtaining product licensing/ Marking to international standards./td>	-Expert organizations like PCRA, BEE, TERI, IITs, NITs, etc. -State Govt. agencies like MITCON, GEDA, etc. Cluster/Industry based associations of MSMEs NGOs and Technical Institutions	Obtain product certification from National Standardization Bodies (like BIS, BEE, etc.) or International Product Certifications (CE, UL, ANSI, etc.) - For reimbursement of fees forward application in the specified format (given in annexure-IV of scheme guidelines), to MSME-DI concerned, along with required documents

NSIC (National Small Industries Corporation) Schemes

Assistance against the security of BG/SDR/FDR

S.No

Related Scheme

Description

Nature of assistance

Who can apply?

How to apply?

1

Performance and Credit Rating Scheme

An independent, trusted third party opinion on capabilities and credit-worthiness of SSIs - Availability of credit at attractive interest - Recognition in global trade - Prompt sanctions of credit from banks and financial institutions - Subsidized rating fee structure for SSIs - Facilitate vendors/buyers in capability and capacity assessment of SSIs - Enable SSIs to ascertain the strengths and weaknesses of their existing operations and take corrective measures. Salient features - A combination of credit and performance factors including operations, finance, business and management risk - Uniform rating scale for all empanelled rating agencies. - SSIs have the liberty to choose among the empanelled Rating Agencies. - Turn-over based fee structure - Partial reimbursement of rating fee through NSIC.

Turnover of SSI	Reimbursement of fee through NSIC
Upto ₹50 lakhs	75% of the fee or ₹25000(Whichever is less)
Above ₹50 to 200 lakhs	75% of the fee or ₹30,000 (Whichever is less)
More than ₹200 lakhs	75% of the fee or ₹40,000 (Whichever is less)

Any enterprise registered in India as a micro or small enterprise is eligible to apply

Any micro or small enterprise wishing to apply for rating will have to fill up the prescribed application form and submit the same to nearest branch of NSIC or to the rating agency chosen by it. Or through empanelled rating agencies: CARE, CRISIL, India Ratings, ICRA, ONICRA, SMERA, Dun & Bradstreet (D&B), SMERA

2

Bank Credit Facilitation Scheme

To meet the credit requirements of MSME units NSIC has entered into a Memorandum of Understanding with various nationalized and private sector banks. Through syndication with these banks, NSIC arranges for credit support (fund or non-fund based limits) from banks without any cost to MSMEs. Furthermore MSMEs can upgrade their competence in terms of business and technologies by getting rated through independent, renowned and professional rating agencies empanelled with NSIC. MSE’s which get rated under NSIC-Performance and Credit Rating Scheme not only has a liberty to get rated from any one of rating agencies of its preference but it also invariably increases their creditability in business and help them in getting timely credit from banks at liberal rates of interest.

All documentations pertaining to completion and submission of a credit proposal to banks shall be undertaken by NSIC thereby saving cost and time to MSME.

MSME Entrepreneurs

Please visit hobts@nsic.co.in to download loan application forms from banks under Bank Credit Facilitation Scheme of the website address of the banks.

3

Raw Material Assistance Scheme

Scheme aims at helping MSEs by way of financing purchase of raw material (both indigenous & imported). This gives an opportunity to MSEs to focus better on manufacturing quality products.

Financial assistance for procurement of raw material upto 90 days.
MSEs helped to avail economics of purchases like bulk purchase; cash discount etc
NSIC takes care of all the procedures, documentation & issue of letter of credit in case of imports.

Entrepreneurs

Entrepreneurs can download and apply on prescribed application forms and along with application processing fee to submit to Regional & Branch Offices.

4

Single Point Registration

Government is single largest buyer of a variety of goods. With a view to increase share of purchases from small-scale sector, Government Stores Purchase Programme was launched. NSIC registers Micro & Small Enterprises (MSEs) under Single Point Registration scheme (SPRS) for participation in Government purchases.

The units registered are eligible to get benefits: - Issue of tender sets free of cost - Exemption from payment of Earnest Money Deposit (EMD) - In tender participating MSEs quoting price within price band of L1+15% allowed to supply a portion upto 20% of requirement by bringing down their price to L1 price where L1 is non-MSEs. - Every Central Ministries/ Departments/ PSUs shall set an annual goal of minimum 20% of total annual purchases of products or services produced or rendered by MSEs. Out of annual requirement of 20% procurement from MSEs, 4% is earmarked for units owned by Schedule Caste /Schedule Tribes. - In addition to the above, 358 items are also reserved for exclusive purchase from SSI sector.

Micro & Small Enterprises which are registered with the Director of Industries (DI)/District Industries Centre (DIC) as manufacturing/service enterprises or having acknowledgement of Entrepreneurs Memorandum (EM Part-II) are eligible for registration with NSIC under its Single Point Registration Scheme (SPRS). - Micro & Small Enterprises who have already commenced their commercial production but not completed one year of existence. Provisional Registration Certificate can be issued to such Micro & Small Enterprises under Single Point Registration scheme with monitory limit of ₹5.00 lakhs which shall be valid for the period of one year only from the date of issue after levying the registration fee and obtaining the requisite documents.

Micro & Small Enterprises shall have to apply either on-line on website www.nsicspronline.com or on prescribed application form to concerned Zonal/ Branch Office of NSIC. The application form containing terms & conditions are available free of cost.

5

Infomediary Services

Information is becoming almost vital. With increase in competition and melting away of international boundaries, demand for information is reaching new heights. NSIC is offering Infomediary Services which is a one-stop, one-window bouquet of aids that will provide information on business, technology and finance, and also exhibit core competence of Indian SMEs. The corporation is offering services through its MSME Global Mart www.msmemart.com; which is a Business to Business (B2B) and Business to Customer (B2C) compliant web portal. Services are available through annual membership.

Platinum membership: A member, who joins both B2B and B2C portal, will get unlimited access to all B2B and B2C features and allowed to upload 10 product’s images. 1. Joining fee ₹10,000 + Service tax for one year. 2. Renewal charges ₹10,000 + Services tax 3. For international customers, US$ 250 for one year. Gold membership: A member who joins only B2B or B2C portal will be allowed features of any one portal whichever opts for and allowed to upload 10 product’s images. 1. Joining fee ₹5,000 + Services tax for one year. 2. Renewal charges ₹5,000 + Services tax for one year. 3. For international customers, US$ 125 for one year. Basic member: Free with limited access for B2B portal only

Entrepreneurs.

Download application form Download infomediary services membership revision request form Technology Infomediary Services and Data Centre (TISDC) National Small Industries Corporation Ltd. NSIC Bhavan, Okhla Industrial Estate, New Delhi – 110020

6

Marketing Intelligence Services Lease

Marketing Intelligence Cell acquires and analyses information to understand market both existing and potential customers, determine current and future needs and preferences, attitudes and behavior of market; and to assess changes in business environment that may affect size and nature of market. - Database of bulk buyers (product wise) buyers in Government/ public sector undertakings. - Database of rate contracts of various Government department and PSUs. Information on tenders floated by Government department and PSUs. - Database of Indian exporters to various countries with products. - Database of international buyers with products. - Database of technology suppliers & projects for MSMEs - Business partner matchmaking (Arrange one to one meetings for foreign delegations with Indian Exporters) - Market intelligence reports can be found on web portal pertaining to several sectors, trends analysis and Export – Import statistics - International library provision with: Global importer’s directory, sector specific booklets, national and international business related magazines/ databases/ booklets, information guides - List of micro & small enterprises registered with NSIC for Government purchases, raw material assistance, performance & credit rating schemes, list of MSMEs industrial association.

Online request form: MSME, willing to avail any marketing intelligence services of NSIC may fill up this form for: 1. Bulk buyers in Government/ public & private sector 2. Exporters 3. International buyers 4. Technology suppliers 5. Units registered with NSIC under Single Point Registration Schemes 6. DGS & D registered suppliers

Potential beneficiaries would be MSMEs seeking business collaboration and co-production opportunities, joint ventures, exporters and importers, and those looking for technology transfer.

Marketing Intelligence Cell, Block F, NTSC Complex, NSIC, Okhla Industrial Estate, New Delhi. Telephone : +91-11-26382047,64650781, 64651703 Email : mic@nsic.co.in, mangaermic@nsic.co.in

7

Bill Discounting Scheme

Scheme covers purchase/ discounting of bills arising out of genuine trade transactions i.e., purchase of supplies made by small scale units to reputed public limited companies/ State and Central Government Departments/ Undertakings. Bills drawn by small-scale units for supplies made by them and duly accepted by purchaser will be financed against security of bank guarantee in favor of NSIC. Purchaser unit(s) may approach NSIC for sanction of annual limits by furnishing information as per the prescribed application form.

Particulars	Effective rate of interest (w.e.f., 20/09/2011)
(i) Units having valid SE 1A rating under NSIC’s rating scheme	12.40%
(ii) Units having valid SE 2A rating under NSIC’s rating scheme	12.90%
(iii) Units having valid SE 1B rating under NSIC’s rating scheme	12.90%
(iv) Other units	13.40%

Entrepreneurs

Application form. Application for request to sanction limit under Bill Discounting Scheme is to be submitted by seller unit duly signed by authorized signatory i.e., Proprietor/ Partner/ Director of the Firm/Company in duplicate in prescribed form

NSIC (National Small Industries Corporation) Infrastructure Schemes

S.No	Related Scheme	Description	Nature of assistance	Who can apply?	How to apply?
1	). NSIC Exhibition hall, Hyderabad – a perfect venue for organizing exhibitions/ conferences	To showcase competencies of small scale industries and to capture market opportunities. Organized several exhibitions/ events. Exhibition complex is strategically located and which has lush green surroundings which enjoys very good connectivity of transport.	Exhibition hall of 18,000 sq.ft. -Conference hall with a seating capacity of 100 persons. -Ample of two wheeler & car parking space. -100% power back-up facility. -Food court -Earthquake resistance structure. -Two atriums for ventilation and natural lighting. -CCTV for security surveillance. - PA system. -Modern fire fighting system technology. -Pleasing lush green landscape all-around the building. -24 hrs water supply through R.O. system	Entrepreneurs.	Dy. GeneralManager Tel- +9908499222 / 040-27141422 / 27125802, Fax- 271141411 Website: www.nsic.co.in Email- emdbphyd@nsic.co.in
2	ii) IT Incubator	Emerging technological and knowledge-based ventures seek nurturing of ideas form professionals for which one need to go beyond the traditional venture capital activity. Such entrepreneurial ideas have to be fostered and developed in a supportive environment before they become attractive for venture capital. Hence the need arises for incubation centers. Creating sustainable entrepreneurship development in the area of ICT especially first generation entrepreneurs. Nurturing the innovative ideas to commercially viable business prepositions. Encouraging commercialization of R&D outputs into commercial ventures. Harness the expertise of NSIC in extending hand holding of start-up companies to become successful SSI enterprises. Networking between R & D and industry Target beneficiaries For the utilization of the space and infrastructure of NSIC-TBI, the prospective entrepreneur shall pay a monthly license fee to NSIC. In addition to the license fee, business center, telephone and internet charges are also payable on actual. Expert services like marketing, legal, accountancy, etc., are also chargeable.	Ready to move in built-up space, standard computer hardware facilities, access to software library, internet and business Centre facilities. -Preliminary level training/ counseling, facilitation in fine tuning business plans, specialized training, mentoring services, market exposure - Advanced level facilitating seed finance/ venture capital, market survey, support in legal formalities, documentation support, maturity level - Sourcing of business partners, J.V./ technology transfer, legal and statutory formalities for launch of enterprise, selection process	Persons who would like to become an entrepreneur or founded an enterprise. Groups of researchers´ nearby universities who are partially financed by an industrial partner in-charge and who develop products adapted to this partner´s needs. Students or ideally potential employees of start-ups, who are in need of some practical training in the industry. People who have an established credibility in the industry and would subsequently like to start product development on their own. Investors, who financially commit themselves to researchers´ groups as well as to the start-ups at the Incubator. Clients and sales partners who are interested in cooperation with researchers´ groups and startups at the incubator. Industrial enterprises, universities and private training institutions who are interested to transfer their know-how within the qualifying offers of the incubator and mediate their clients	Project Manager - NSIC TBI-Okhla NTSC Premises Okhla Industrial Estate, New Delhi - 110020 011-26926513 E-mail: itincubator@nsic.co.in
3	iii). Exhibition cum Marketing Development Business Park	The need of growing corporate and business entrepreneurs is increasing for establishment of their operations in an extra ordinary business environment. To cater needs, Exhibition-Cum-Marketing Development Business Park, a five storied building, having a covered area of 1,50,000 sq. ft. with the provision of exhibition space on the ground floor and office space on the upper floors constructed at NSICTSC Complex, ECIL Post, Hyderabad spread over a sprawling area of 8 acre.	Aesthetics of building by providing ACP, structural glassing, fountains, etc. - 100% power back up facility. - Ample parking space - Capsule elevators - Large column free space in office areas -Conference hall with a seating capacity of 100 persons -Exhibition hall of 18,000 sq. ft. - Food court - Earthquake resistant structure - Polished granite flooring in all common areas - Two atriums for ventilation and natural lighting - CCTV for security surveillance - PA system - Modern fire fighting system technology - Pleasing lush green landscape all-around the building - Rain water harvesting - Wide approach road for hassle free traffic movement - Wide corridors inside the building	Corporate and business entrepreneurs	The applications/ proposals for seeking assistance shall be submitted to NSIC, with full details and justification
4	iv) Software Technology and Business Parks	NSIC has established Software Technology-cum-Business Parks at New Delhi and Chennai for providing space to small and medium enterprises in software development and to IT/ ITES/ MSME units not registered with STPI or units that are falling under overall definition of MSME. Units other than MSME such as Banks/PSUs/Financial institutions, corporate sector, etc., would also be considered for allotment.	NSIC has established Software Technology-cum-Business Parks at New Delhi and Chennai for providing space to small and medium enterprises in software development and to IT/ ITES/ MSME units not registered with STPI or units that are falling under overall definition of MSME. Units other than MSME such as Banks/PSUs/Financial institutions, corporate sector, etc., would also be considered for allotment.	Entrepreneurs	Application form for space at NSIC-STP in PDF Format Statement of charges for STBP Okhla NSIC-STBP, New Delhi Officer In-charge, NSIC-STBP Complex Okhla Industrial Estate, New Delhi - 110 020 NSIC-STBP, Chennai Officer In-charge
5	v). NSIC Exhibition Grounds, New Delhi	To showcase competencies of small scale industries and to capture market opportunities NSIC has constructed its own state of Art Exhibition Complex adjacent to its corporate office. Exhibition Complex is strategically located and has lush green surroundings in the posh South Delhi area which enjoys good connectivity from international airport, New Delhi Railways Station and commercial place like Connaught Place and Nehru Place. Some of the best hotels happen to be in close vicinity..	1,500 sq. mtrs. fully air conditioned built up area. 16,000 sq. mtrs. open space with hard standing base. Facility of cafeteria including open theater. Separate entry and exit gates. Ample parking space to accommodate more than 1,000 cars. 500 KVA un-interrupt power supply through DG set. 24 hours water supply. Facility available for conference and business meetings.	Entrepreneurs.	Dy. GeneralManager Website: www.nsic.co.in

ARI Division

1. Scheme for setting up new enterprises under PMEGP

The balance amount of the total project cost will be provided by the banks as term loan as well as working capital.

S.No

Related Scheme

Description

Nature of assistance

Who can apply?

How to apply?

1

)Prime Minister Employment Generation Programme (PMEGP)

The scheme is implemented by Khadi and Village Industries Commission (KVIC), as the nodal agency at the national level. At the state level, the scheme is implemented through State KVIC Directorates, State Khadi and Village Industries Boards (KVIBs) and District Industries Centres (DICs) and banks. The Government subsidy under the scheme is routed by KVIC through the identified banks for eventual distribution to the beneficiaries/ entrepreneurs in their bank accounts.

The maximum cost of the project/ unit admissible under manufacturing sector is ₹25 lakh and under business/ service sector is ₹10 lakh. Levels of funding under PMEGP

Categories of beneficiaries under PMEGP	Beneficiary’s contribution (of project cost)	Rate of subsidy (of project cost)
Area (location of project/unit)		Urban Rural
General category	10%	15% 25%
Special (including SC/ST/OBC/ Minorities/Women, Ex-servicemen,	05%	25% 35%
Physically handicapped, NER, Hill and Border areas, etc.

Any individual, above 18 years of age. At least VIII standard pass for projects costing above ₹10 lakh in the manufacturing sector and above ₹5 lakh in the business/service sector. Only new projects are considered for sanction under PMEGP. Self Help Groups (including those belonging to BPL provided that they have not availed benefits under any other scheme), Institutions registered under Societies Registration Act, 1860; Production Co-operative Societies, and Charitable Trusts are also eligible. Existing units (under PMRY, REGP or any other scheme of Government of India or State Government) and units that have already availed Government subsidy under any other scheme of Government of India or State Government are not eligible.

The State/ Divisional Directors of KVIC in consultation with KVIB and Director of Industries of the respective states (for DICs) will give advertisements locally through print & electronic media inviting applications along with project proposals from prospective beneficiaries desirous of establishing the enterprise/starting of service units under PMEGP. The beneficiaries can also submit their application online at http://www.kviconline.gov.in/pmegp/pmegponlineapp and take the printout of the application and submit the same to respective offices along with the detailed project report and other required documents.

2. Insurance cover to Khadi Artisans under Janshree Bima Yojana

S.No	Related Scheme	Description	Nature of assistance	Who can apply?	How to apply?
1	Janshree Bima Yojana for khadi artisans	In order to provide insurance cover to khadi artisans, a scheme of group insurance in the name of Khadi Karigar Janashree Bima Yojana (JBY) was launched. This scheme was formulated by KVIC in association with the Life Insurance Corporation of India (LIC).	For death due to: (1) natural causes – ₹ 20,000; and (2) Accident –₹ 50,000. For permanent disability (loss of two eyes or two limbs) –₹ 50,000. For partial disability (loss of one eye or one limb) – ₹ 25,000. Free add-on benefit: Scholarship of ₹ 300 per quarter for children of Khadi Karigar, studying in 9th to 12th standard subject to a maximum of 2 children per family.	Khadi Karigar (Spinners and Weavers) aged between 18 years and 59 years and below and marginally above poverty line.	Nominee of the deceased Khadi Karigar to submit original death certificate to Pension Group Schemes Department of LIC of India through the Khadi institution under which the deceased was a member.

3. Providing financial assistance to Khadi institutions under MDA

S.No	Related Scheme	Description	Nature of assistance	Who can apply?	How to apply?
1	Market Development Assistance	A flexible, growth stimulating and artisan oriented Market Development Assistance (MDA) scheme introduced, in place of the erstwhile system of Rebate. Under MDA, financial assistance is provided to institutions @ 20% of the value of production of khadi and polyvastra, to be shared among artisans, producing institutions and selling institutions in the ratio 25:30:45. MDA provides institutions flexibility to use the assistance for improving the outlets, products and production processes, besides giving incentive to customers, etc.	MDA shall be allowed @ 20% on cost of production of Khadi (Cotton, silk, woollen) and polyvastra to the extent of production target approved by Standing Finance Committee (SFC) of KVIC for the year.	The Khadi institutions, having valid Khadi certificate and categorized as A+, A, B and C, are only eligible to avail MDA grant from KVIC.	The total amount of MDA on production will be claimed by the producing institution from the KVIC and will be distributed amongst the stakeholders viz., spinners and weavers, producing institutions and selling institutions in the ratio 25%, 30% and 45% respectively. Producing institutions shall submit quarterly claim of MDA based on the actual production achieved during the preceding quarter of the financial year. The difference, if any, would be adjusted in the last quarter of the financial year on the basis of audited accounts by the Chartered Accountants. MDA shall be preferably reimbursed electronically by State/Divisional office of KVIC on quarterly basi

4. R&D activities of Coir Board under the Central Sector Plan scheme of Science & Technology (S&T) of the Coir Board

S.No	Related Scheme	Description	Nature of assistance	Who can apply?	How to apply?
1	Plan (S&T), Coir Board (CSS of S&T of the Coir Board.)	Coir Board has been mandated with undertaking, assisting or encouraging scientific, technological and economic research and maintaining and assisting one or more research institutions. Two R&D institutes, namely; CCRI Alleppey and CICT Bangalore are functioning under Coir Board.	Grant is released to the two R&D institutes; CCRI Alleppey and CICT Bangalore by the Government through the Coir Board for R&D activities and creation of infrastructure & civil Construction/ repairs, etc., relating to R&D activities only as specified in the action plan under different programme heads of the scheme.	Assistance is provided only to the two R&D institutes functioning under the Coir Board	Only the two R&D institutes functioning under the Coir Board are eligible for Grant under Plan (S&T)

5. Scheme for providing financial assistance to Coir units under REMOT

S.No	Related Scheme	Description	Nature of assistance	Who can apply?	How to apply?
1	Rejuvenation, Modernization and Technology Upgradation of Coir Industry (REMOT)	This is a credit linked subsidy scheme for setting up of coir units with project cost upto ₹ 10 lakhs plus one cycle of working capital which shall not exceed 25% of the project cost. Working capital will not be considered for subsidy.	The funding pattern of the scheme is Bank loan/Credit role - 55% Government Grant (Margin money – subsidy) - 40% Beneficiaries contribution - 5%	i) Any individual above 18 years of age with Indian citizenship. ii) There will be no income ceiling for assistance for setting up of the project under REMOT scheme iii) Assistance under the scheme is only available for projects for the production of coir fiber/ yarn/products, etc., coming under the coir sector. iv) Assistance will be made available to individuals, companies, Self Help Groups, NGO, institutions registered under Societies Registration Act 1860, production co-operative societies, joint liability groups and charitable trust. The SC/ST, women, NER and Andaman and Nicobar Island and Lakswadweep beneficiaries will be given priority	The applications under the scheme can be collected from Coir Board Offices, DICs, Coir Project Offices, Panchayat Raj Institutions and the Nodal Agencies approved by the Board for this purpose. The forms can also be downloaded from the Coir Board website and to be submitted directly to the Coir Board Field Offices or through the DICs.

6. Scheme for providing financial assistance to coir units for export under plan (General)

S.No	Related Scheme	Description	Nature of assistance	Who can apply?	How to apply?
1	CSS of Export Market Promotion	Coir Board is implementing Export Market Promotion scheme for adoption of strategic and aggressive product specific and market specific promotional programmes for popularizing coir and coir products in markets abroad, supporting export oriented industry on modernization programme and to attain overall and sustainable development of Indian coir industry by participating in international fairs/ product promotion programmes/ seminars, etc., and to assist entrepreneurs to participate in such programmes through export market development assistance scheme.	TA financial assistance of upto ₹ 2 lakhs is provided to eligible coir exporters to participate in the international fairs/ product promotion programmes, etc. Assistance for publicity material up to 25% of the production cost with over all ceiling of ₹15,000 is also admissible.	All micro, small and medium exporters, with FOB turnover of less than ₹ 2 crore worth coir and coir products in the previous year and micro, small & medium entrepreneurs of coir and coir products, registered with the Coir Board, would be eligible for assistance under the scheme, provided they have not availed the facility from any other source for the same purpose or participated three times in the same exhibition to the same destination thrice with government assistance.	downloaded from the Coir Board website and to be submitted directly to the Coir Board Field Offices or through the DICs.

7. Scheme for providing training to the aspiring coir workers for capacity development and quality improvement under the plan (General)

S.No	Related Scheme	Description	Nature of assistance	Who can apply?	How to apply?
1	Skill Upgradation & Quality improvement and Mahila Coir Yojana	The objective of the scheme is to train personnel for the cadres of Supervisors/ instructors/ artisans to meet the requirement of skilled manpower for the development of coir industry. Transfer of technology to non-traditional areas through development of the skill of coir workers is another important objective of the scheme. Training programmes and EDPs (Entrepreneurs Development Programmes) are conducted by the Coir Board through its Regional Training centres. Mahila Coir Yojana (MCY), in particular, aims at women empowerment through the provision of spinning equipment at subsidized rate after appropriate skill development (training) programmes	The training programme is for two months duration and a monthly stipend of ₹750 is now provided to the trainees. The honorarium for the trainer is limited to ₹5,000 per month. An amount of ₹250 per head per month is provided as financial assistance to the training sponsoring agency to meet the operational cost. Under MCY Coir Board provides 75% cost of motorized/ motorized traditional rates as one time subsidy subject to a ceiling of ₹7,500 in the case of motorized rate and ₹3,200 for motorized traditional rates.	All micro, small and medium exporters, with FOB turnover of less than ₹2 crore worth coir and coir products in the previous year and micro, small & medium entrepreneurs of coir and coir products, registered with the Coir Board, would be eligible for assistance under the scheme, provided they have not availed the facility from any other source for the same purpose or participated three times in the same exhibition to the same destination thrice with government assistance.	Selection of trainees for in-house training at NCT&DC will be made by inviting applications through advertisements in print and electronic media and through recommendation from the authorities of the coir producing States. Selection of trainees for training programmes conducted at Regional Extension Centre will be made by the officer-in-charge of the centre through sponsoring of candidates by Trade Associations, unit owners, Industries Department, NGOs, Co-operatives, etc.

8. Assistance to coir units for infrastructure development under plan (General)

S.No	Related Scheme	Description	Nature of assistance	Who can apply?	How to apply?
1	Development of Production Infrastructure (DPI) scheme	Coir Board is implementing the plan scheme ‘Development of Production Infrastructure’ with the objective of providing modern infrastructure facilities to coir production units resulting in improvement of productivity and quality and also creation of employment opportunities especially for women in the rural areas.	Under the DPI scheme the Coir Board provides financial assistance to the coir production units @ 25% of the cost of equipments subject to a maximum of ₹6 lakhs for setting up of defibering unit, ₹4 lakhs for automatic spinning unit and ₹5 lakhs for others including coir pith. For a composite or a multiple unit the maximum ceiling of financial assistance is ₹9 lakhs. The scheme also provides for extending financial assistance upto ₹2 lakhs for modernization/ renovation of the existing units.	All new coir processing units registered with Coir Board under Coir Industry (Registration) Rules, 2008 and registered with the DIC of the respective region of the entire coir sector of the country with project cost exceeding ₹5 lakh each are eligible for assistance under the scheme.	The unit shall submit the application in the prescribed format for grant of financial assistance for new units under the scheme within 6 months from the date of commencement of production of the unit. The date of commencement of production should be supplemented by a certificate issued by the General Manager, DIC of the respective area.

9. Scheme for providing insurance cover to coir workers under the plan (General)

S.No	Related Scheme	Description	Nature of assistance	Who can apply?	How to apply?
1	Welfare Measures scheme	The Coir Board is implementing the plan scheme ‘Welfare Measures - Coir Workers Group Personal Accident Insurance scheme with the objective of providing financial compensation to deceased/ disabled coir worker/ nominee. The entire insurance premium is paid by the Coir Board to the insurance company selected by calling quotations. The financial compensation is provided by the insurance company to the disabled coir workers or nominee of the disabled or deceased coir workers.	Compensation payables under the scheme are given below. Accident death: ₹50,000 Permanent Total disability: ₹50,000 Permanent Partial Disability: ₹25,000 Provision for finger cut: Depending upon the finger and limited to applicable percentages of capital sum insured.Compensation payables under the scheme are given below. Accident death: ₹50,000 Permanent Total disability: ₹50,000 Permanent Partial Disability: ₹25,000 Provision for finger cut: Depending upon the finger and limited to applicable percentages of capital sum insured.	Coir workers aged 18 years and above engaged in the industry (no upper age limit) are covered under the insurance scheme. The disabled coir worker or nominee of the disabled/ deceased coir worker can apply for the claim. Considering the welfare of the women who form the majority of the group proposed, the accident in their case will include death and disablement arising out of and traceable to sterilization and consequent complications etc.	In the event of an eligible admissible claim, the claim form should be submitted through the officers of Coir Board authorized for the purpose within the time limit fixed by disabled coir worker or a nominee of the disabled/ deceased coir worker

10. Programme for promotion of Village Industry Cluster - Rural Industry Service Centre (RISC) for Khadi and Village industry

S.No

Related Scheme

Description

Nature of assistance

Who can apply?

How to apply?

1

Programme for promotion of Village Industry Cluster - Rural Industry Service Centre (RISC) for Khadi and Village industrye

“Rural Industry Service Centre (RISC) is the Common Facility Unit which aims to provide infrastructural support and necessary services to local units to upgrade their production capacity, skill up-gradation and market promotion.” Rural Industry Service Centre (RISC) must cover one of the following services-

Provide testing facilities by establishing laboratory to ensure quality of the products.
Provide improved machinery/equipment to be utilized as common utility facilities by nearby units/artisans to enhance production capacity or value addition of the product
Provide attractive and appropriate packaging facilities and machineries to local units/ artisans for better marketing of their products

Maximum of ₹25 lakhs with entrepreneurs’ contribution of 25% Releases will be made by the Commission in 3 equal installments after the institution utilizes its own proportionate contribution of sanctioned amount of the project.

	Particulars	% of project cost.
1.	Skill up-gradation & training and/ or product catalogue institution should acquire required training for staff operation of project/ prepare product catalogue, etc., from own contribution.	Maximum 10% of project cost
2.	Pre- operative & post-commissioning expenses. Institution make expenditure towards cost of preparation of project report, etc., contingency, conveyance, miscellaneous expenditure, etc., from own contribution.	Maximum 5% of project cost
3.	Building/ Infrastructure (Implementing agency should have own land, in case of implementing agency having its own readily available building, the cost would be restricted to 15% of project cost) subject valuation by appropriate authority.	Maximum 15% of project cost
4.	Plant & machinery for manufacturing and or testing facilities and packaging (Cost of machinery is to be released to machinery manufacturer/ supplier as per agreement who is having proper registration, with sales tax No. affiliation to Association/ Federation.	Minimum 50% of project cost
5.	Raw material/ new design, product Diversification, etc.	Maximum 25% of project cost.

Farmers, individual entrepreneurs, NGOs, cooperatives, groups of unorganized and organized sector which include Self Help Groups (SHGS), rural youth, etc. are eligible to apply.

Source : www.kvic.org.in

II. Ministry Of Agriculture

S.No	Related Schemes for Enterprise Development (Direct/ Indirect)	Related Scheme	Description	Nature of assistance	Who can apply?	How to apply?
1	Schemes of Agricultural Marketing Divisions	Marketing Research and Information Network	To establish a nationwide information network by providing electronic connectivity to important Agricultural Marketing Boards and Directorates To collect and disseminate price and market related data for its efficient and timely utilization by producers, traders and consumers to derive maximum advantage of their sales and purchases To increase efficiency of marketing by effective improvement in the existing market information system; and To sensitize and orient farmers respond to new challenges in agricultural marketing by using Information Technology (IT) as a vehicle of extension.	100% Grant by Government of India	State Agricultural Marketing Boards/Institutes, Directorate of Agriculture/ Agricultural Marketing of the State Governments, Market Committees and State level Institutions.	Agricultural Marketing Adviser/ Joint Secretary (Marketing), Department of Agriculture & Cooperation, Krishi Bhavan, New Delhi - 110114.
2	Scheme for Strengthening of Agmark Grading Facilities	Strengthening of Agmark Grading Facilities Scheme	Research samples are analyzed for creating analytical base for framing/ revision of standards. Check samples are analyzed to ensure conformity of Agmark certified products with prescribed standards. Scheme meets expenditure for purchase of equipment, chemicals, glassware, apparatus, etc, Annual Maintenance Contract of equipment as well as renovation and repair works in Agmark laboratories. 11 Regional Agmark laboratories and Central Agmark Laboratory, Nagpur are carrying out analysis of check samples and research samples for developing and promoting grading and standardization of agricultural commodities under Agmark. Spices, vegetable oils, ghee, butter, honey, wheat atta, besan, etc., are being popularly certified under Agmark.	100% Grant by Government of India	11 Regional Agmark Laboratories, Central Agmark Laboratory and various offices of DMI are eligible.	Agricultural Marketing Adviser/ Joint Secretary (Marketing), Department of Agriculture & Cooperation, Krishi Bhavan, New Delhi - 110114.
3	Scheme for Development/ Strengthening of Agricultural Marketing Infrastructure, Grading & Standardization	Scheme for Development/ Strengthening of Agricultural Marketing Infrastructure, Grading & Standardization	The scheme is implemented in those States which have amended Agriculture Produce Marketing Regulation (APMC) Act, wherever required, to allow direct marketing and contract farming and to permit setting up of markets in private and cooperative sectors. Credit linked back-ended subsidy is provided on capital cost of general or commodity specific infrastructure for marketing of agricultural commodities and for strengthening and modernization of existing agricultural markets, wholesale, rural periodic or in tribal areas. State Agricultural Marketing Boards/ Market Committees and other State Agencies will be free to decide quantum of loan or invest their own funds in lieu of loan as per their requirement.	be 25% of capital cost of project. It will, however, be 33% in case of North Eastern States, hilly and tribal areas in the states of Uttarakhand, Himachal Pradesh, Jammu & Kashmir and to entrepreneurs belonging to Scheduled Caste (SC)/ Scheduled Tribe (ST) and their cooperatives. Maximum amount of subsidy shall be restricted to ₹50 lakhs for each project and ₹60 lakhs in case of North Eastern States, hilly and tribal areas in the states of Uttarakhand, Himachal Pradesh, Jammu & Kashmir and to entrepreneurs belonging to Scheduled Caste/ Scheduled Tribe and their cooperatives. There will, however, be no upper ceilings in respect of infrastructure projects of State Agencies.	11 Regional Agmark Laboratories, Central Agmark Laboratory and various offices of DMI are eligible.	Agricultural Marketing Adviser / Joint Secretary (Marketing), Department of Agriculture & Cooperation, Krishi Bhavan, New Delhi - 110114.
4	Gramin Bhandaran Yojana: A Capital Investment Subsidy Scheme for Construction/ Renovation of Rural Godowns	A Capital Investment Subsidy Scheme for Construction/ Renovation of Rural Godowns	Main objectives of the scheme include creation of scientific storage capacity with allied facilities in rural areas to meet various requirements of farmers for storing farm produce, processed farm produce, agricultural inputs, etc., and prevention of distress sale by creating facility of pledge loan and marketing credit. Under the scheme, entrepreneur will be free to construct godown at any place, as per commercial judgment except for restriction that it would be outside limits of Municipal Corporation area. Rural godowns constructed in Food Parks promoted by the Ministry shall also be eligible. Capacity of a godown shall be decided by an entrepreneur. However, subsidy under the scheme shall be restricted to a minimum capacity of 100 tonnes and maximum capacity of 10,000 tonnes. Rural godowns of smaller size upto 50 tonnes capacity will also be eligible for subsidy under the scheme as a special case based on viability analysis depending on topography/ special requirement of the State/Region. In hilly areas*, rural godowns of smaller size upto 25 tonnes capacity will also be eligible for subsidy.	Under the revised scheme, subsidy @ 25% will be given to all categories of farmers, agriculture graduates, cooperatives & CWC/SWCs. All other categories of individual companies and corporations would be given subsidy @ 15% of project cost. In case of NE States/hilly areas and SC/ST entrepreneurs and their cooperatives and women farmers, subsidy shall be 33.33%.	The project for construction of rural godowns can be taken up by individuals, farmers, Group of farmers/growers, partnership, proprietary firms, Non-Government Organizations (NGO’s), Self Help Groups (SHGs), companies, cooperatives, federations, Agricultural Produce Marketing Committees, Marketing Boards and Agro Processing Corporations. Assistance for renovation of godowns will, however, be restricted to godowns constructed by cooperatives only.	Agricultural Marketing Adviser/Joint Secretary (Marketing), Department of Agriculture & Cooperation, Krishi Bhavan, New Delhi - 110114.
5	Scheme for Small Farmers’ Agriculture - Business Consortium – Agriculture - Business Development	Small Farmers’ Agriculture - Business Consortium – Agriculture - Business Development	To facilitate setting up of agro business ventures in close association with banks To catalyze private investment in setting up of agro business projects and thereby providing assured market to producers for increasing rural income and employment To strengthen backward linkages of agri-business projects with producers To assist farmers, producer groups, and agriculture graduates To enhance their participation in value chain through Project Development Facility; and To arrange training and visits of agripreneurs setting up identified agribusiness projects Venture capital assistance in the form of equity will be provided by Small Farmers’ Agriculture-Business Consortium (SFAC) in the nature of equity to be converted into a term loan till the bank term loan is fully repaid; Venture capital after it becomes term loan could be repaid to SFAC in lump sum or in four quarterly installments together with interest at the same rate as the term loan.	SFAC will provide financial assistance up to a ceiling of ₹5 lakh depending upon size, location, activity and coverage for preparation of bankable Detailed Project Reports through empanelled consultants/ institutions; and assistance will also be provided to State SFACs for undertaking promotional activities for agribusiness development. The scheme will be implemented with the assistance of National Institute of Agricultural Marketing (NIAM), Jaipur; MANAGE, Hyderabad; Industry Associations such as CII, FICCI, ASSOCHAM, PHD, State SFACs, SAUs and others to vigorously publicize benefits of Venture Capital Assistance Scheme to prospective entrepreneurs and produce organizations	Individuals, farmers, producer groups, partnership, propriety firms, Self Help Groups, companies, agripreneurs, units in agriculture-export zones and agriculture graduates individually or in groups.	Agricultural Marketing Adviser/ Joint Secretary (Marketing), Department of Agriculture & Cooperation, Krishi Bhavan, New Delhi - 110114. Managing Director, Small Farmers Agri. Business Consortium (SFAC), 4, Siri Institutional Area, August Kranti Marg, New Delhi – 110016
6	Assistance to NCDC Programmes for Development of Cooperatives	Assistance to NCDC Programmes for Development of Cooperatives	he scheme comprises the following components: Marketing, processing, storage, etc., programmes in cooperatively under/ least developed States/ Union Territories. Share capital participation in growers’/ weavers cooperative spinning mills Integrated Cooperative Development Project in selected districts. Assistance to National Cooperative Federations and National Federation of Labor Cooperatives. First three components of the scheme are being implemented by National Cooperative Development Corporation (NCDC) and fourth component is operated directly by Department of Agriculture and Cooperation.	Loan and subsidy are being provided under the scheme. Subsidy component is being financed by Government of India and loan component is being arranged by NCDC.	Cooperatives registered under the State Cooperative Societies Act Or Multi-State Cooperative Societies Act are eligible for financial assistance under the schemes for all the activities mandated to NCDC	Joint Secretary (Cooperation), Department of Agriculture & Cooperation, Krishi Bhavan, New Delhi - 110114. Managing Director, National Cooperative Development Corporation (NCDC), 4, Siri Institutional Area, Hauz Khas, New Delhi – 1100166
7	Establishment of Agro-clinics and Agro-Business Centres	Establishment of Agro-clinics and Agro-Business Centres	To provide extension services to farmers on payment basis through setting up of economically viable self-employment ventures. Selected trainees are provided agri-preneurship training for a period of two months in identified Nodal Training Institutes. Free handholding support is also provided for one year to trained agriculture graduates in obtaining bank finance, setting up their business in the area, etc.	100% funding by Government of India	Agriculture graduates irrespective of age.C	Joint Secretary (Extension) Department of Agriculture & Cooperation, Krishi Bhavan, New Delhi - 110114. Director General, National Institute of Agricultural Extension Management (MANAGE), Rajendra Nagar, Hyderabad - 500030 Fax No.040-24015388.
8(i)	National Horticulture Board A. Development of Commercial Horticulture	i). Development of Commercial Horticulture in Open Field	i). Commercial horticulture development in open field conditions, including components viz., planting material, plantation, irrigation, fertigation, precision farming, GAP, etc. ₹75 lakh/per project (₹125 lakh for date palm, olive and saffron) for projects covering area over 2 ha.	Credit linked back ended subsidy @ 40% of project cost limited to ₹30 lakh per project in general area and @ 50% of project cost limited to ₹37.50 lakh for NE and Hilly and scheduled areas.	The scheme is implemented by the State Horticulture Mission Societies and other organizations that are provided grants-in-aid.	Mission Director and Joint Secretary (NHM) Department of Agriculture and Cooperation, Krishi Bhawan, New Delhi-110114
(ii)		ii). Development of Commercial Horticulture in Protected Cover	ii). Commercial horticulture development in protected cover. ₹112 lakh per project covering area above 2,500 sq.mt	Credit linked back-ended subsidy @ 50% of cost limited to ₹56 lakh per project	The scheme is implemented by the State Horticulture Mission Societies and other organizations that are provided grants-in-aid.C	Mission Director and Joint Secretary (NHM) Department of Agriculture and Cooperation, Krishi Bhawan, New Delhi-110114
(iii)		iii). Development of Commercial Horticulture for post harvest management projects	Integrated post harvest management projects e.g., pack house, ripening chamber, refer van, retail outlets, pre-cooling units, Primary processing, etc ₹145 lakh per project. The add-on components of pre-cooling, pack house, grading, packing, cold room can be taken up as individual components.	Credit linked back ended subsidy @ 35% of cost limited to ₹50.75 lakh per project in general areas and @ 50% of project cost limited to ₹72.50 lakh per project in NE, Hilly and scheduled areas, ensuring backward and forward linkage. For standalone projects, NHM norms will be adopted	The scheme is implemented by the State Horticulture Mission Societies and other organizations that are provided grants-in-aid.	Mission Director and Joint Secretary (NHM) Department of Agriculture and Cooperation, Krishi Bhawan, New Delhi-110114
(iv)	National Horticulture Board B. Capital investment subsidy scheme for construction/ expansion/ modernization of cold storage and storages for horticulture products	iv). Investment subsidy scheme for Cold storage unit-Basic mezzanine structure	Cold storage units Type-1 - basic mezzanine structure with large chamber (of > 250 MT) type with single temperature zone Cost norms NHB takes up projects with capacity above 5,000 MT upto 10,000 MT as per following rates: • ₹7,600/MT for capacity between 5,001 to 6,500 MT. • ₹7,200/MT for capacity between 6,501 to 8,000 MT. • ₹6,800/MT for capacity between 8,001 to 10,000 MT.	Credit linked back-ended subsidy @ 35% of cost of project (50% in NE, hilly areas and scheduled areas) for capacity above 5,000 MT.	The scheme is implemented by the State Horticulture Mission Societies and other organizations that are provided grants-in-aid.	Mission Director and Joint Secretary (NHM) Department of Agriculture and Cooperation, Krishi Bhawan, New Delhi-110114
(iv)	National Horticulture Board B. Capital investment subsidy scheme for construction/ expansion/ modernization of cold storage and storages for horticulture products	iv). Investment subsidy scheme for Cold storage unit-Basic mezzanine structure	Cold storage units Type-1 - basic mezzanine structure with large chamber (of > 250 MT) type with single temperature zone Cost norms NHB takes up projects with capacity above 5,000 MT upto 10,000 MT as per following rates: • ₹7,600/MT for capacity between 5,001 to 6,500 MT. • ₹7,200/MT for capacity between 6,501 to 8,000 MT. • ₹6,800/MT for capacity between 8,001 to 10,000 MT.	Credit linked back-ended subsidy @ 35% of cost of project (50% in NE, hilly areas and scheduled areas) for capacity above 5,000 MT.	The scheme is implemented by the State Horticulture Mission Societies and other organizations that are provided grants-in-aid.	Mission Director and Joint Secretary (NHM) Department of Agriculture and Cooperation, Krishi Bhawan, New Delhi-110114
(iv)	National Horticulture Board B. Capital investment subsidy scheme for construction/ expansion/ modernization of cold storage and storages for horticulture products	iv). Investment subsidy scheme for Cold storage unit-Basic mezzanine structure	Cold storage units Type-1 - basic mezzanine structure with large chamber (of > 250 MT) type with single temperature zone Cost norms NHB takes up projects with capacity above 5,000 MT upto 10,000 MT as per following rates: • ₹7,600/MT for capacity between 5,001 to 6,500 MT. • ₹7,200/MT for capacity between 6,501 to 8,000 MT. • ₹6,800/MT for capacity between 8,001 to 10,000 MT.	Credit linked back-ended subsidy @ 35% of cost of project (50% in NE, hilly areas and scheduled areas) for capacity above 5,000 MT.	The scheme is implemented by the State Horticulture Mission Societies and other organizations that are provided grants-in-aid.	Mission Director and Joint Secretary (NHM) Department of Agriculture and Cooperation, Krishi Bhawan, New Delhi-110114
(v)		v). Investment subsidy scheme for Cold storage unit-PEB Structure	Cold Storage Unit Type-2 – PEB structure for multiple temperature and product use, more than 6 chambers (of < 250 MT) and basic material handling equipment. Cost norms NHB takes up projects with capacity above 5,000 MT upto 10,000 MT as per following rates. • ₹9,500/MT for capacity between 5,001 to 6,500 MT. • ₹9,000/MT for capacity between 6,501 to 8,000 MT. • ₹8,500/MT for capacity between 8,001 to 10,000 MT	Credit linked back-ended subsidy @ 35% of cost of project (50% in NE, hilly areas and scheduled areas) for capacity above 5,000 MT.	The scheme is implemented by the State Horticulture Mission Societies and other organizations that are provided grants-in-aid.	Mission Director and Joint Secretary (NHM) Department of Agriculture and Cooperation, Krishi Bhawan, New Delhi-110114
(vi)		vi). Investment subsidy scheme for Cold storage unit using technology for controlled atmosphere	Cold storage unit type-2 to add on technology for controlled atmosphere Cost norms NHB takes up projects with capacity above 5,000 MT upto 10,000 MT as per following rates. Additional ₹10,000/MT for adding on components of controlled atmosphere technology.	Credit linked back-ended subsidy @ 35% of the cost of the project (50% in NE, hilly areas and scheduled areas) for capacity above 5,000 MT.	The scheme is implemented by the State Horticulture Mission Societies and other organizations that are provided grants-in-aid.	Mission Director and Joint Secretary (NHM) Department of Agriculture and Cooperation, Krishi Bhawan, New Delhi-110114
(vii)		vii) Investment subsidy scheme for Cold Chain	Technology induction and modernization of cold-chain Cost norms Maximum ₹ 500 lakh.	Credit linked back-ended subsidy @ 35% of the cost of the project (50% in NE, hilly areas and scheduled areas) for capacity above 5,000 MT	The scheme is implemented by the State Horticulture Mission Societies and other organizations that are provided grants-in-aid.	Mission Director and Joint Secretary (NHM) Department of Agriculture and Cooperation, Krishi Bhawan, New Delhi-110114
(viii)		viii). Investment subsidy scheme for refrigerated transport vehicles	Refrigerated transport vehicles Cost norms ₹ 30 lakh for 15 MT, and prorata basis for capacities between 9 to 15 MT.	Credit linked back-ended subsidy @ 35% of the cost (50% in NE, hilly areas and scheduled areas)	The scheme is implemented by the State Horticulture Mission Societies and other organizations that are provided grants-in-aid.	Mission Director and Joint Secretary (NHM) Department of Agriculture and Cooperation, Krishi Bhawan, New Delhi-110114

Cost norms are indicative and refer to an upper limit of cost for calculation of subsidy. # Note: The release of back ended subsidy need not be linked to the credit institutions like public sector units, Panchayats, cooperatives, Registered Societies/Trusts and public limited companies, provided they can meet the remaining share of project cost, out of their own resources. Hilly areas include those areas covered under Hill Area Development Programme and Western Ghat Development Programme of Planning Commission. Scheduled areas include those areas notified by the Planning Commission and State Governments. NE & Himalayan States refer to states in North East & Himalayan region covered under HMNEH scheme. ## For projects on the Development of Commercial Horticulture, subsidy need not be credit linked in North Eastern States and for institutions like public sector units, Panchayats, cooperatives, Registered Societies/Trusts and public limited companies, provided they can meet the remaining share of project cost, out of their own resources. Projects will have to be appraised by an appraising agency.

9	Promotion and Strengthening of Agricultural Mechanization through Training, Testing & Demonstration	Promotion and Strengthening of Agricultural Mechanization through Training, Testing & Demonstration	Offering need based skill oriented training in agricultural machinery and farm mechanization related areas to farmers, trainers, rural technicians, extension workers, in-service defense personnel, nominees of State Governments/UTs etc. Testing of machines with a view to ascertaining their performance characteristics and suggesting improvement thereon for their quality upgradation Demonstration of new technology equipment with a view to increase productivity, production and profitability of farmers apart from reduction in drudgery of operation by way of its induction in the agricultural production system.	100% Grant-in-aid for purchase of m/c and contingency expenditure per demonstration for equipment as under: (I) Power operated: ₹3,000 (II) Bullock drawn: ₹1,500 (III) Manually operated ₹1,000. For hilly areas cost per demonstration will be 1.5 times of the above cost. ₹5,200 per farmer per month.	Training programmes are conducted by four FMTTIs in the area of agricultural mechanization. Farmers, officers from State Governments/ organizations, extension workers, retired/retiring service personnel, technicians, rural youth and candidates sponsored by agricultural. Application by progressive manufacturers, importers of agricultural machines/ equipments, research institutions of ICAR State Governments for testing through FMTTIs.	Joint Secretary (M&T), Department of Agriculture & Cooperation, Krishi Bhavan, New Delhi - 110114. Directors of FMTTIs at Budni – 466445 (Madhya Pradesh), Hissar - 125001 (Haryana), Garladinne – 515731 (Andhra Pradesh), and Biswanath Chariali – 784176 (Assam)
10	Post Harvest Technology and Management	Post Harvest Technology and Management	Establishment of units utilizing the available post harvest technologies and management, value addition, scientific storage, packaging technologies and technologies for by-product management for animal feed and compost developed by ICAR, CSIR and those identified from within the country and abroad in the production catchments is supported with 40% assistance from the Government under the bilateral agreement of ICAR and Self Help Group (SHG)/User Groups (UG) of farmers/ Cooperative Societies of Farmers/ Non-Governmental Organizations (NGOs). Creation of adequate infrastructure with the farmers for primary processing and value addition through the establishment of available technologies not requiring initial investments more than ₹ 2.00 lakh at farmer’s fields with government assistance (subsidy) @ 40% of the total cost of the technology/ project. Demonstration of post harvest technology equipment with a view to induct improved/ newly developed equipment in the Post Harvest Management system	100% Grant-in-aid for purchase of machinery and contingency expenditure per demonstration for equipment as under: (I) Power operated: ₹3,000 (II) Bullock drawn: ₹1,500 (III) Manually operated ₹1,000 For hilly areas cost per demonstration will be 1.5 times of the above cost. ₹ 2,00,000 or 40% of cost whichever is less.	Self Help Group (SHG)/User Groups (UG) of farmers/ Cooperative Societies of Farmers/ Non-Governmental Organizations (NGOs) can enter into a bilateral agreement with the ICAR for establishment of units utilizing available post harvest technologies and management, value addition, scientific storage, packaging technologies and technologies for by-product management for animal feed and compost developed by ICAR, CSIR and those identified from within the country and abroad in production catchments.	Joint Secretary (M&T), Department of Agriculture & Cooperation, Krishi Bhavan, New Delhi - 110114.
11	Capacity Building to enhance competitiveness of Indian Agriculture and Registration of Organic Products Abroad	Capacity Building to enhance competitiveness of Indian Agriculture and Registration of Organic Products Abroad	To build capacities in the system such that it is able to withstand the force of globalization and competition, the following activities are undertaken as part of the scheme: Research studies/ consultancy on various aspects of international competitiveness of Indian agriculture. Support for awareness, creation and training programmes relating to agreement on agriculture and related agreements among farmers/ agricultural scientists/ administrators in the country, preferably by State Agriculture Universities. Support to farmers/ agriculture related organizations for creation of computerized commodity specific market information systems. Creation of product specific/ country specific database in Sanitary/ Phyto-sanitary measures, quality standards and environmental standards affecting trade in agricultural products. Reimbursement of organic product registration charges abroad and liaison with embassies abroad on matters pertaining to market intelligence and trade Creation/ improvement of infrastructure in laboratories engaged in examining standards for agricultural products including work relating to MRL testing. Use of ICT and development/purchase of software on WTO matters.	The scheme shall be operated on a cost sharing basis with State Government or other private, semi government, non- Government organizations.	User Groups (UG) of farmers/ Non-Governmental Organizations (NGOs), individual farmers who are in a position to invest to the extent of at least 30% of cost of the project/ technology for organic farming.	User Groups (UG) of farmers/ Non-Governmental Organizations (NGOs), individual farmers who are in a position to invest to the extent of at least 30% of cost of the project/ technology for organic farming.
12	Dairy Entrepreneurship Development Scheme	Dairy Entrepreneurship Development Scheme	Dairy Entrepreneurship Development scheme is a Government of India sponsored scheme to provide financial support to entrepreneurs to start dairy and allied business. This scheme has come into effect from 1st September, 2010. The main objectives of the scheme are : To promote setting up of modern dairy farms for the production of clean milk To encourage heifer calf rearing thereby conserve good breeding stock To bring structural changes in unorganized sector so that initial processing of milk can be taken up at the village level itself To bring about up-gradation of quality and traditional technology to handle milk on a commercial scale To generate self-employment and provide infrastructure for unorganized sector.	Entrepreneur’s contribution: 10% of total outlay - minimum Back ended capital subsidy: 25% (33.33% for SC/ST beneficiaries) of total outlay, subject to a ceiling Cold storage for milk/milk products: ₹ 30 lakh. Bank’s share: Balance portion - Minimum 40%.	Any farmers, individual entrepreneurs, NGOs, companies, groups of unorganized and organized sector etc.	Department of Animal Husbandry Dairying and Fisheries, Government of India is focal department for the scheme. NABARD is implementing this scheme through commercial banks, state cooperative banks, SLDBs, regional rural banks and other agencies eligible for refinance from NABARD
13	Fodder and Feed Development Scheme	Fodder and Feed Development Scheme	Department Animal Husbandry, Dairying and Fisheries are implementing a ‘Centrally Sponsored Fodder Development scheme’ to supplement the efforts of states in feed and fodder development. The scheme has been modified from 2010 to ensure efficient use of available fodder/ feed. With an outlay of ₹141.40 crore, this scheme incorporates following new components/ technology interventions: Strengthening of feed testing laboratories Introduction of chaff cutters Establishment of silage making units Demonstration of Azolla cultivation and production units Establishment of by-pass protein production units Establishment of Area Specific Mineral Mixture (ASMM)/Feed pelleting/ Feed manufacturing units	The amount of subsidy for establishment of fodder block making units has been increased to 50% to encourage better participation and land requirement for assistance under grassland development including grass reserves component has been revised to 5-10 hectares. Per unit cost varies from ₹0.70 – 85 lakhs	Farmers, Dairy cooperatives, NGOs, unemployed youth	Department of Animal Husbandry, Dairying and Fisheries, Government of India is focal department for the scheme.

III. Ministry Of Chemicals and Fertilizers

S.No	Related Schemes for Enterprise Development (Direct/ Indirect)	Related Scheme	Description	Nature of assistance	Who can apply?	How to apply?
1(i)	Department Of Petrochemicals	Centres for Excellence in Petrochemicals Sector	This is a new Central Scheme for creation of “Centres of Excellence (CoE) in the field of Petrochemicals. The support under the scheme may include: Equipment Plant/Machinery Building & Infrastructure Support to Research staffs (JRF, SRF, RA-till the project/ period) Research Literature and Consumables Organizing Workshops/ Conferences/ Seminars in the relevant area.	The funding of CoE will be in the form of capital expenditure. No recurring expenditure will be paid from this scheme. The percentage of financial support required from the GoI out of the total investment/ costs of the project will be a maximum of 50%, subject to an upper limit of ₹ 6 crores over a period of three years.	Autonomous institutions that have a proven track record of academic excellence, Are currently involved in research and development activities in the petrochemical sector and Are involved in providing service to the industry	The proposals are to be submitted as per the format and guidelines enclosed as Annexure/or can be downloaded from the website http://www.chemicals.gov.in.
(ii)		Scheme for Setting Up of Plastic Parks	The scheme support setting up of a need based “Plastic Parks’ an eco-system with requisite state of the art infrastructure and enabling common facilities to assist the sector move up the value chain and contribute to economy more effectively. The grant will be given to the Special Purpose Vehicle (SPV) set up by the State Government or any of its agencies such as State Industrial Development Corporation (SIDC) in association with user enterprises representing the plastic sector/ sub-sector	Government of India would provide grant funding up to 50% of project cost subject to a ceiling of ₹ 40 crore per project. The remaining contribution in the SPV will be from the State Government or State Industrial Development Corporation or similar agencies of State Government, beneficiary industries and loan from financial Institutions. The equity contribution of the State Government or respective SIDC shall be at least 26% of cash equity of the SPV (excluding value of any land given as equity).	Special Purpose Vehicle formed by the State Government or its agency such as State Industrial Development Corporation or any equivalent state entity as identified and recommended by the respective State Government in association with user enterprises representing the plastic sector/ sub-sector. The SPV will ordinarily be a Company registered under Companies Act 1956 and any other structure.	Department of Chemicals and Petrochemicals will call for preliminary proposals from State Governments interested in setting up of Plastic parks. The State Government or its agency such as State Industrial Development Corporation or any equivalent state entity as identified and recommended by the respective State Government, shall submit the preliminary proposals.
(2)	Department Of Fertilizers	Nutrient Based Subsidy (NBS)s	Nutrient Based Subsidy (NBS) Policy is with effect from 1.4.2010 for decontrolled P & K fertilizers (w.e.f. 1.5.2010 for SSP). As per this policy, fertilizers namely DAP, MOP, NPKS complexes, MAP, TSP, Ammonium Sulphate (AS) and Single Super Phosphate (SSP) are provided to farmers at subsidized rates based on nutrients (N, P, K & S) contained in these fertilizers. Additional subsidy is also provided on the fertilizers fortified with secondary and micronutrients as per the Fertilizer Control Order such as Boron and Zinc.	Subsidy for subsidized fertilizers	Manufacturers/ Marketers/ importers of P & K fertilizers	Procedure notified by the Department of Fertilizers
(3)	Department Of Pharmaceutical (DOP)	Scheme for Cluster Development Programme for Pharma Sector (CDP-PS)	The scheme helps to enhance quality, productivity & innovative capabilities of the SME pharma sector in the country. Scheme would be implemented on a Public Private Partnership (PPP) format through one time grant–in–aid to be released in various phases for creation of identified infrastructure and common facilities to a Special Purpose Vehicles (SPVs) set up for the purpose.	Maximum limit for the grant in aid would be ₹ 20 crore per cluster or 70% of the cost of project whichever is less. GoI grant will be 90% for CFCs for difficult and backward regions The cost of project includes cost of land, building, pre-operative expenses like preparation of DPR, administrative and management support expenses including the salary of CEO, engineers, other experts and staff during project implementation period, preliminary expenses, machinery & equipment, miscellaneous fixed assets and other support infrastructure such as water supply, electricity and margin money for working capital.	An SPV is a clear legal entity (Cooperative Society, Registered Society, Trust or a Company) with members located within a radius of 10-15 km. or non-profit making company registered under section 25 of the Companies Act. It will have representatives from cluster members, financial institutions, State & Central Government and R&D organization	Proposals are submitted to Department of Pharmaceuticals.

IV. Ministry Of Commerce & Industry

S.No	Related Schemes for Enterprise Development (Direct/ Indirect)	Related Scheme	Description	Nature of assistance	Who can apply?	How to apply?
1(i)	Export Credit Guarantee Corporation Of India Limited	Scheme relating to Exporter Credit Insurance for Exporter (i). Small Exporters Policy - (SEP)	This is basically Standard Policy, incorporating certain improvements in terms of cover, in order to encourage small exporters to obtain and operate the policy. It is issued to exporters whose anticipated export turnover for the period of one year does not exceed ₹ 5 crores. The maximum liability shall not exceed ₹ 2 crores. The nature of commercial risks and political risks cover is similar to that of the Shipment Comprehensive Risk (SCR) or standard policy.	An insurance policy for small exporters issued for a period of 12 months.	Exporters whose anticipated export turnover for the period of one year does not exceed ₹ 5 crores.	Download proposal form from www.ecgcindia.in and submit filled form to nearest branch office of the corporation
(ii)		Scheme relating to Exporter Credit Insurance for Exporter (ii). Small and Medium Exporters Policy	Policy particularly provides SME sector easy administrative and operational convenience	An insurance policy for small and medium exporters issued for a period of 12 months with 90% coverage and with a maximum loss limit of ₹ 10 lakhs	Exporters engaged in manufacturing activities having invested in plant and machinery or engaged in export of services having invested in equipment as per MSMED Act, 2006	Download proposal form from www.ecgcindia.in and submit the filled form to nearest branch office of the corporation.
2(i)	Department Of Industrial Policy And Promotion	Indian Leather Development Programme (i). Mega Leather Cluster sub-scheme	The scheme provides world class infrastructure and to integrate production chain in a manner that caters to business needs of leather.	The total project cost for the purpose of the Mega Leather Cluster Sub-scheme comprises cost of land development, infrastructure, capacity building and engagement of consultant by SPV. GoI assistance can be upto @ 50% of project cost, subject to limitations as follows, depending on total land area of the MLC: MLC of 25-60 acres land (to be set up without tanneries) and 40-60 acres Land (to be set up with tanneries) - GoI assistance limited to ₹ 50 crore MLC of 61-100 acres land - GoI assistance limited to ₹ 70 crore MLC of 101-150 acres land - GoI assistance limited to ₹ 105 crore MLC of more than 151 acres land - GoI assistance limited to ₹ 125 crore.	Production units of all segments namely footwear, footwear components, leather goods (including gloves), leather garments & saddlery & harness items	Submit project proposal to the DIPP
(ii)		Indian Leather Development Programme (ii). Market Access Initiatives (MAI) scheme	Export promotion scheme envisaged to act as a catalyst to promote India’s export on a sustained basis. The scheme is formulated on focus product-focus country approach to evolve specific market and specific product through market studies/ survey	MAI provides financial support for opening showroom & warehouses, display in international departmental stores, publicity campaign and branch promotion, etc. Financial assistance under the scheme - 75%, 50% and 33% of leasing/ rental charges in first, second and third year, respectively. There would be a ceiling of ₹100 lakhs for each market/ product per annum	Export Promotion Organizations/ Trade Promotion Organizations/ National Level Institutions/ Research Institutions/ Universities/ Laboratories, Exporters, etc.	Proposals to E&MDA Division, Department of Commerce
(3)	Tea Board	Scheme for participation in International Fairs and Exhibitions with Tea Board		Financial assistance for participation in trade fairs/exhibitions abroad along with Tea Board of India For Tea Board led trade fairs/ exhibition/ BSMs, assistance to exporters would be permissible for air fare in economy class for one company representative travelling from India. This would, however, be subject to an upper ceiling per tour given below: 1. Latin American countries (LAC) – ₹1,00,000 2. USA, Canada – ₹80,000 3. All other countries - ₹70,000	All exporters holding valid exporters’ license	Download claim form for financial assistance from website Tea Board.
(4)	Tea Board	Promotion scheme for packaged Tea’s of Indian origin	Help Indian exporters, in their overseas marketing of teas of Indian origin, on a sustained basis, Tea Board proposes a brand support scheme. Since scheme is to promote teas, it is mandatory for companies wanting to avail of the scheme, to be marketing 100% Indian teas in packets carrying Indian tea logo or any of speciality logos after complying with requirements for logo usage. The scheme covers all Indian companies/ exporters marketing Indian brand teas in packets less than 1kg. The brand should be owned by the exporter.	Tea rooms/boutiques – reimbursement for year-1 - 75%, year-2 - 50%; year-3 - 25% of lease/rental charges of floor area or display or max limit- ₹12 lakhs per annum. Promotional campaign - 25% of cost reimbursement subject to a ceiling of ₹.50 lakhs per annum Displays in departmental stores + In-store demonstration/ promotion - 50% of the display and shelf rental cost as well as in-store promotion or Max limit - ₹ 25 lakhs per annum per country. Product literature – 25% of total cost subject to a ceiling of ₹ 50 lakhs per annum per market	All Indian registered exporters exporting value added tea would be eligible, if the brand, for which support is requested, is owned by them. All registered exporters and holding permanent exporter’s license and submitting regular monthly export returns to Tea Board.	All interested exporters are required to apply in advance to Tea Board in prescribed application form along with a covering letter on company letterhead..
5(i)	Spices Board	Export Development & Promotion of Spices (i). Promotion of Indian Spice Brands Abroad	The scheme aims to promote Indian spice brands in new, sophisticated and affluent segments in foreign markets, targeted beyond ethnic Indian population in these countries and in the Middle East. There are two activities assisted under the scheme viz., Product and packaging development and bar coding; and brand promotion	Interest free loan upto 100% for slotting/ listing fee and promotional measures and 50% of cost of product development, subject to a maximum of ₹ 2.50 crores per brand and ₹5 crores where brand buyout is involved in (a) Product and packaging development and bar coding and (b) Brand promotion	All registered exporters of spices who have registered their brands with the Board, SHC/ logo holders and holders of organic certification.	The exporter who desires to avail of assistance has to submit an application in the prescribed format along with copies of detailed proposal covering market promotion to be undertaken with cost break up in each segment separately.
(ii)		Export Development & Promotion of Spices (ii). Spices Processing in North Eastern Region	This scheme proposes to provide financial assistance to spice growers’ co-operatives, farmers’ associations, NGOs representing spices growers and individual entrepreneurs in North Eastern and hill states to establish primary processing facilities for spices for organized marketing of produce in domestic and international markets with possible value addition. Under this scheme, all types of primary processing facilities, which do not require very high investments, are envisaged to ensure dispersed and relatively low to middle level value addition, particularly to avoid distress sale and large-scale wastage of locally grown spices will be supported	Grant in aid is provided to the tune of 33% of cost of all types of primary processing facilities subject to a maximum of ₹ 25 lakhs during plan period per beneficiary. In respect of farmers’ groups the assistance will be upto 50% of cost of primary processing facilities subject to a maximum of ₹ 35 lakhs per beneficiary.	Spices growers’ co-operatives, farmers’ associations, NGOs representing spice growers and individual entrepreneurs in the North Eastern and hill states	Eligible applicants may apply to Board in prescribed format and obtain ‘in-principle’ approval to their proposal before implementation of project

V. Ministry Of Communication and Information Technology

S.No

Related Schemes for Enterprise Development (Direct/ Indirect)

Related Scheme

Description

Nature of assistance

Who can apply?

How to apply?

1

R&D Funding scheme

R&D Funding scheme

Providing funds under this scheme (Grant in Aid) to institutions/ organizations in the area of research and development, for technical collaboration, etc.

Financial assistance for R& D projects (Funding varies based on the total cost of project)

Any institution/ firm with atleast 2 years after incorporation, must be registered under ISO 9001/13485

In a prescribed proforma from DeiTy

(2)

Technology Incubation and Development of Entrepreneurs (TIDE)

It aims to assist institutions of higher learning to strengthen their Technology Incubation Centers and enable young entrepreneurs to initiate technology startup companies for commercial exploitation of technologies developed by them. TIDE Incubation Centers provide a gamut of services to new enterprises and facilitate linkages congenial for their survival and growth. The centres network with angel investors and venture capitalists that provide mentoring and financial support to start-ups and enable tenant companies to mature over a period of 2-3 years and ultimately graduate to a commercial place to transact actual business. DeitY is providing financial and policy support for strengthening technology incubation activities on the premise that this would in the long run result in indigenous development of products and packages in the ICTE sector. The objectives of the proposed scheme are: i. Set-up/strengthen the Technology Incubation Centres and thus nurture technology entrepreneurship development ii. Promote a product oriented research and development iii. Encourage and accelerate development of indigenous products and packages; and iv. Bridge the gap between R&D and commercialization

Each TIDE center would be given financial support as Grant-in-aid of up to ₹155 lakhs – payable in instalments. These funds can be used for improvement in infrastructure – up-to ₹30 lakhs and for providing financial support to incubating companies – ₹125 lakhs (@₹25 lakhs per company). The grants under proposed scheme would be subject to terms & conditions. DEITY would constitute a Project Review and Steering Group (PRSG). Release of funds to the HI/TIDE will be made based on the recommendations of PRSG.

Prescribed proforma by DeiTy

Institutions of higher learning to strengthen their Technology Incubation Centres and thus enable young entrepreneurs to initiate technology startup companies for commercial exploitation of technologies.

(3)

Multiplier Grants scheme (MGS)

MGS aims to encourage collaborative R&D between industry and academics/ R&D institutions for development of products and packages. Under the scheme, if industry supports R&D for development of products that can be commercialized at institutional level, then government will also provide financial support that is up-to twice the amount provided by industry. The proposals for getting financial support under the scheme are to be submitted jointly by the industry and institutions. In this scheme, if an industry supports innovation at institute(s) and commits its resources. Government grants, for individual industry, would be limited to a maximum of ₹2 crores per project and duration of each project should, preferably, be less than 2 years; for industry consortium these would be ₹4 crores and 3 years respectively. The contribution of industry and grant-in-aid from DeitY will be given to academic/ R&D institution(s) only..

Broad objectives: Strengthen industry/ institute-linkages Encourage and accelerate development of indigenous products/packages Bridge the gap between R&D and commercialization

In a prescribed proforma by Deity

Industry and academic institutions

(4)

SIP-EIT, Support International Patent Protection in Electronics and IT

To provide financial support to SMEs and Technology Start-Up units for international patent filing so as to encourage indigenous innovation and to recognize the value and capabilities of global IP and capture growth opportunities in the area of information technology and electronics.

Upto 50% of total patent cost. The support will be in the form of reimbursement of expenses in actual to the applicant. Support will be limited to ₹15 lakhs or 50% of total expenses incurred on filing each invention whichever is less.

Registered Indian micro, small and medium enterprises. Enterprises engaged in manufacture or production of goods where investment in plant and machinery does not exceed ₹10 crore. or Providing or rendering of services the scheme will be restricted to enterprises where the investment in plant and machinery does not exceed ₹5 crore. In-house R&D certification by DSIR or Technology Incubation enterprises registered as companies with support under some government scheme.

In a prescribed format/ application given by DeiTy

(5)

e-Governance Schemes

Common Services Centers (CSCs) are ICT enabled front end service delivery points at the village level for delivery of Government, financial, social and private sector services in the areas of agriculture, health, education, entertainment, FMCG products, banking, insurance, pension, utility payments, etc.

Public Private Partnership Mode (PPP Mode)

Scheme is being implemented in a public private partnership framework with a focus on rural entrepreneurship & market mechanisms. CSCs have been set up by implementation partners called as Service Centre Agencies (SCA), who are appointed by State Designated Agencies (SDAs) through a transparent bid process. CSCs are operated and managed by Village Level Entrepreneurs (VLEs) who are appointed by the SCAs.

In application to E-gov (DeiTy)

(i)

i). Capacity building scheme

Establishment of institutional framework for state level strategic decision making including setting-up of State e-Governance Mission Team (SeMT). • Imparting of specialized training, orientation programme for SeMTs and decision makers. • Setting up of a central Capacity Building Management Cell for coordination and implementation of the scheme.

Assistance to State government

SDC/CSC

Prescribed proforma

(ii)

ii). State Data Center scheme

Under NeGP, it is proposed to create State Data Centres for the states to consolidate services, applications and infrastructure, to provide efficient electronic delivery of G2G, G2C and G2B services. These services can be rendered by the states through common delivery platform seamlessly supported by core connectivity infrastructure such as State Wide Area Network (SWAN) and Common Service Centre (CSC) connectivity extended up to village level.

SDC scheme has been approved by Government with an outlay of ₹1623.20 crores over a period of 5 years

SDC, CSC

Prescribed proforma

(iii)

iii). State Wide Area Network (SWAN)

SWAN is envisaged as the converged backbone network for data, voice and video communications throughout a State/ UT with following salient features:

One PoP at each State/District/Block headquarter
Each PoP has configurable aggregation equipment to enable vertical & horizontal connectivity
Gateway to NICNET (National Backbone) for Inter-State connectivity
State/NIC would receive discounted price for BSNL BW cost (MoU signed)

PPP mode

Assistance to all state governments

Prescribed proforma

(6)

Software Technology Parks of India (STPI)

For the promotion of software exports from the country, Software Technology Parks of India was set up in 1991 as an Autonomous Society under Department of Electronics and Information Technology.

Customs duty exemption in full on imports. Central excise duty exemption in full on indigenous procurement. Central sales tax reimbursement on indigenous purchase against Form-C All relevant equipment/ goods including secondhand equipment can be imported (except prohibited items). Equipment can also be imported on loan basis/ lease. 100% FDI is permitted through automatic route. Sales in the DTA up-to 50% of the FOB value of exports permissible Use of computer, imported for training permissible subject to certain conditions. Depreciation on computers at accelerated rates up to 100% over 5 years is permissible.

Software companies

Through registration with www.stpi.in

(7)

Special Economic Zone(SEZ) scheme

SEZ policy aims at creating competitive, convenient and integrated zones offering world class infrastructure, utilities and services for globally oriented businesses. SEZ Act 2005 envisages a key role for state Governments in export promotion and creation of related infrastructure.

Duty free import/ domestic procurement of goods for development, operation and maintenance of SEZ units. 100% Income tax exemption on export profits available to SEZ units for 5 years, 50% for next 5 years and 50% of ploughed back profits for 5 years thereafter. Exemption from central sales tax. Exemption from service tax. Single window clearance for central and state level approval.

Medium and large industries. The scheme is ideal for bigger industries and has a significant impact on future exports and employment

Prescribed proforma given by State governments

8

Electronics Hardware Technology Park (EHTP) scheme

Under the Ministry of Commerce and Industry

	Benefits	EHTP/ STP/ EOU unit
Foreign equity permissible	100% FDI investment permitted through automatic route	100% FDI investment permitted through automatic route
Duty free imports/ domestic procurement permissible	Capital goods, raw materials, components and other inputs	All goods for development, operation and maintenancet
Income tax benefit	Export profits 100% tax-exempt under sections 10A/10B of the Income Tax Act (upto 31st March 2011)	100% Income tax exemption on export profits under Section 10AA of the Income Tax Act for 5 years, 50% for next 5 years thereafter and 50% of ploughed back export profit for next 5 years
Export obligation	Unit shall be a positive Net Foreign Exchange (NFE) earner. Supplies of ITA-1 items manufactured by these units in the Domestic Tariff Area (DTA) shall be counted towards fulfillment of export obligation	Unit shall be a positive Net Foreign Exchange (NFE) earner. Supplies of ITA-1 items manufactured by these units in Domestic Tariff Area (DTA) shall be counted towards fulfillment of export obligation
DTA sales	DTA sales are permissible upto 50% of FOB value of exports, subject to fulfillment of positive NFE, on payment of concessional duties (50% of basic customs duty and full excise duty). DTA sales beyond this entitlement are permissible against payment of full duties provided unit has achieved positive NFE.	DTA sales are permissible on payment of full duties. However, the unit is required to be a positive Net Foreign Exchange (NFE) earner over the five year period of its operation. .
Central sales tax	Refundable	Exempted
Supplies from DTA	Deemed export	Physical export

(9)

Export Promotion Capital Goods (EPCG) scheme

The Zero duty EPCG scheme is available to exporters of electronic products. It allows import of capital goods for pre-production, production and postproduction (including CKD/ SKD thereof as well as computer software systems) at zero% customs duty, subject to an export obligation equivalent to 6 times of duty saved on capital goods imported under EPCG scheme, to be fulfilled in 6 years reckoned from authorization issue-date.

Concessional 3% duty EPCG scheme allows import of capital goods for preproduction, production and post-production (including CKD/ SKD thereof as well as computer software systems) at 3% customs duty, subject to an export obligation equivalent to 8 times of duty saved on capital goods imported under EPCG scheme, to be fulfilled in 8 years reckoned from Authorization issue-date. The capital goods shall include spares (including refurbished/ reconditioned spares), tools, jigs, fixtures, dies and moulds. Second hand capital goods, without any restriction on age, may also be imported under the EPCG scheme. Export obligation can also be fulfilled by the supply of ITA-1 items to the DTA, provided realization is in free foreign exchange.

Manufacturer exporters with or without supporting manufacturer(s) / vendor(s),
Merchant exporters tied to supporting manufacturer(s) and service providers.
A service provider who is designated / certified as a Common Service Provider (CSP).

Application with necessary supporting documents should be filed with DGFT.

(10)

Duty Exemption and Remission schemes

Duty exemption schemes enable duty free import of inputs required for export production. Duty exemption schemes consist of: Advance authorization scheme Duty Free Import Authorization (DFIA) scheme The duty remission scheme enables post export replenishment/ remission of duty on inputs used in export product. Duty remission schemes consist of: Duty Entitlement Passbook (DEPB) scheme Duty Drawback (DBK) scheme

Duty exemption schemes enable duty free import of inputs required for export production. An Advance License is issued as a duty exemption scheme. A Duty Remission Scheme enables post export replenishment/ remission of duty on inputs used in the export product. Duty remission schemes consist of (a) DFRC (Duty Free Replenishment Certificate) and (b) DEPB (Duty Entitlement Passbook Scheme). DFRC permits duty free replenishment of inputs used in the export product. DEPB allows drawback of import charges on inputs used in the export product.

All the licensed exporters

Application with necessary supporting documents should be filed with DGFT.

(11)

Deemed exports

"Deemed Exports" refer to those transactions in which goods supplied do not leave the country, and payment for such supplies is received either in Indian rupees or in free foreign exchange./td>

Advance authorization/ Advance authorization for annual requirement/ DFIA Deemed Export Drawback. Exemption from terminal excise duty where supplies are made against ICB. In other cases, refund of terminal excise duty will be given.

All the licensed exporters

Application with necessary supporting documents should be filed with DGFT.

(12)

Manpower development for Export Industry

Projects under the scheme are aimed to create course contents, generate mentors & quality faculties and skilled graduates in information technology sector at various locations across India with a view to increasing the Employability of students. Scheme covers Training of the Trainer's programme, enhancement of quality of IT education in colleges, virtualization of technical education, conducting specialized short term courses in IT/ITES sector, setting up of National On-line Test System for graduates engineers in information technology, etc.

Expansion of state-of-the-art facility for Advanced Information Technology Training Programmes for increase of 40% of Admission – CDAC – Pune Setting up of National On-line Test System for graduates engineers in Information Technology – CDAC - Noida Proposal for expansion of Training Facility for DESD, DSSD & DAC and Faculty Updation Programme (Prepare Future) – CDAC - Hyderabad Enhancement of quality of IT education in engineering colleges –IIIT -Hyderabad Establishing of North Zone Resource Center of generating contents, mentors/teachers, etc., by conducting specialized short term HRD courses for IT/ITES sector - IIIT- Allahabad Train the Trainer Programme and Job-oriented IT training (Finishing School) – IIIT - Bangalore Training for Professionals - IIIT- Gwalior ICT training and skill development programs for faculties and graduates from colleges, ICTACT, Govt. of Tamil Nadu Virtualization of technical education in UP Technical University and Uttarakhand Technical University - UP-Tech University, UP.

Graduates, Engineers in Information Technology, Professionals, Mentors/ Teachers

Through an application to HRD division of DeiTy (Department of Electronics and Information Technology)

(13)

Participation of private institutes under ISEA project

Participation of private institutes under ISEA project/td>

Government identified information security as one of the thrust areas. Department of Electronics and Information Technology (DeitY) had set-up an Inter-Ministerial Working Group on cyber security education and awareness programme. The aim of working group is to recommend an action plan and strategy for human resource development in the country in the area of cyber security/ information security leading to development of indigenous hardware and software capabilities in core area of information security. On the recommendations of working group Information Security Education and Awareness (ISEA) project has been initiated/launched with outlay of ₹70 crores over a period of 5 years. Main objective of Information Security Education and Awareness Project is a human resource development in the country in the area of information security. The broad aims is: Introduce information security curriculum at M.Tech. & B.Tech. Level and research activity/Ph.D. Train system administrators/ professionals by offering 1-year PG diploma course, 6-months certificate course, 6-weeks/2-weeks training programme in information security. Train Government officers Central and State, on information security issues. Education exchange programme. Bring information security awareness in the country.

Activities of introduction of information security curriculum are to be implemented through 9 resource centres and 35 participating institutes. Resource centers will be mentoring institutions for participating institutes and are premier institutes like IITs, IISc Bangalore and TIFR Mumbai, while participating institutes include National Institutes of Technology, Government Degree Engineering Colleges, Societies of DIT, etc.

AICTE/UGC approved institution conducting graduate/ postgraduate programme as an engineering discipline. Non-profit organization. Having two streams of Bachelor/Master of engineering course already running in the institute i.e., Computer science/ Engineering and electronics & Communications.

Through an application to HRD division of DeiTy (Department of Electronics and Information Technology)

VI. Ministry of Corporate Affairs

S.No	Related Scheme	Description	Nature of assistance	Who can apply?	How to apply?
1	Renewed scheme for Certified Filing Centres (CFCs) to be operated by professionally qualified persons/ Bodies to facilitate e-filing of documents under MCA 21 ( e-Governance programme of the Ministry of Corporate Affairs)	A Certified Filing Centre (CFC) for MCA e-filing is a facility, other than the Physical Front Offices or Facilitation Centres set-up by the Ministry, to be set-up and operated by an appropriately qualified private individual, firm or body corporate under the MCA21 e-Governance programme, from where the actual electronic filing of documents by companies may be enabled along with associated facilitation on payment basis. The objective is to improve speed and certainty in delivery of MCA services in a transparent manner. This improvement is ensured primarily through mechanism of secure electronic filing (e-filing) and easy on-line payment for all the services provided by the Registrar of Companies. It is a significant step towards an end-to-end paperless delivery of Government services with widespread use of Digital Signature to carry out e-filing in a secure manner in conformity with Information Technology Act, 2000. In order to be eligible to apply for a CFC, the professional should fulfill following criteria: He/she should be a member of the respective Institute He/she should possess experience of at least two years in practice He/she should not have been guilty of professional misconduct during the last three years or his/her membership should not have been removed from the register of Members by respective institute at any time. He/she should meet technical eligibility criteria for operation of the CFC scheme.	For setting up CFC for Ministry of Corporate affairs e-filing facility	A Certified Filing Centre (CFC) is a facility set-up and operated by any or all of the following: Institutes of Company Secretaries of India; Chartered Accountants of India; and Cost and Management Accountants of India by themselves or through their Regional Councils/Local chapter subject to the relevant Acts governing the above Institutes, or Any professional from the three professions mentioned above as per qualifications prescribed, or Firms consisting of professionals drawn from members of any or all of the three professional institutes referred to above, or Any Body Corporate owned or managed by the professionals, holding a certificate of practice, from members of any or all of the three professional institutes.	Ministry of Corporate Affairs through Local Chapter/ Regional Council/ Council of the Institute concerned to: Economic Adviser, Ministry of Corporate Affairs (MCA)
(2)	EES Filing Scheme & InformationEES Filing Scheme & Information	Easy Exit Scheme, 2011 is a scheme to give opportunity to defunct companies to get their names struck off from the register under Section 560 of the Companies Act, 1956. The assistance shall be provided through form for filing application for giving loan, providing security or guarantee in ... under the scheme.	Scheme came into force on 1st Jan, 2011.	Any State/Union Territory Government, training institutions, NGOs and other development agencies can apply for assistance for creation or strengthening of infrastructure. An applicant is required to file an application in prescribed form along with prescribed fee of ₹3,000. List of applications filed will be available on the portal.	In case any stakeholder has any objections to striking off the name of any company, he/she may raise such objection with the concerned RoC office within 30 days from date of filing by the company. Contact: Economic Adviser, Ministry of Corporate Affairs (MCA).
(3)	Scheme for fast track exit mode	This is introduced for giving opportunity to non-operating companies for getting their names struck off from records of Ministry of Corporate Affairs. FTE is an easy mode of closing non-operating companies at a cheaper cost with lesser formalities as compared to earlier schemes for exit of non-operating companies	NSIC assistance	Following companies can apply under fast track exit mode for striking off its name from the register of Registrar of Companies: a. Companies which are not operating or not carrying on any business since last one year from date of application or, b. Companies which are not operating or not carrying on any business since incorporation and, c. Company having nil assets & liability. However, all companies which want to apply shall have ‘active’ or ‘dormant’ status on MCA portal.	The applications/ proposals for seeking assistance under the scheme shall be submitted to nearest office of National Small Industries Corporation, with full details and justification. Contact: Economic Adviser, Ministry of Corporate Affairs (MCA).

VII. Ministry Of Culture

S.No

Related Scheme

Description

Nature of assistance

Who can apply?

How to apply?

1

Scheme for the Award of Fellowship to Outstanding Persons in the Field of Culture

Senior/Junior Fellowships in the Field of Performing, Literary and Plastic Arts.

Performing Arts (Music/Dance/Theatre/ Folk Traditional & Indigenous Arts including Puppetry)
Literary Arts (Travelogue/History & Theory of Literature)
Plastic Arts (Graphics/Sculpture/Painting including Folk Paintings and Research Work on Traditional Paintings/ Creative Photography)
Senior/Junior Fellowships in the New Areas related to Culture.

In the ‘New Areas related to culture’, projects are sought in the following fields:

Indology
Epigraphy
Sociology of Culture
Cultural Economics
Structural and Engineering Aspects of Monuments
Numismatics
Scientific and Technical aspects of Conservation
Management aspects of Art and Heritage
Studies relating to application of Science and technology in areas related to culture and creativity.

The scheme has been formulated to provide basic financial support for a very advanced training on individual creative efforts for revival of our traditional form of art. Artistes above 40 years are provided support for senior fellowships up to ₹6,000 per month, whereas the junior fellowships are awarded at the rate of rest ₹ 3,000 per month to the artists in the age group 25 to 40 years. The number of senior and junior fellowships per year is 150 and 300 respectively, and the duration of fellowship is two years.

Applicant for senior Fellowship should not be the recipient of pension from Ministry of Culture under the scheme for grant of financial assistance to artists in indigent circumstances. An applicant should not have availed of the same fellowship earlier. However, an applicant who had been awarded a Junior Fellowship can apply for a Senior Fellowship, provided 5 years have elapsed after the closure of the earlier project. Graduation is the minimum educational qualification for applicants in the fields/ areas listed in Para II (b) of the Scheme.

Applications for the award of Fellowship will be invited every year, through advertisement, in a prescribed format. The application should be accompanied by a detailed project proposal on the subject. If applicants are employed in Central/ State Government Departments/ Institutions/ Undertaking/ University, etc., they will have to take leave for a period of 2 years for period of Fellowship. An Expert-Committee comprising experts in different fields will be constituted which would in first stage examine all applications and shortlist the most meritorious among them for eventual selection. Shortlisted Junior Fellowship candidates will be called for an interview/ talk who will then select the most meritorious candidates upto the required number of Junior Fellowships, No such interview/talk would be necessary in the case of Senior Fellowships.

(2)

Scheme for Financial Assistance for Capacity Building and training of Museum Professionals

This is a new Central Scheme evolved with the aim to fulfill an urgent need for trained professionals at museums at various levels i.e. national level, state level, regional and local level museums all across the country. The scope of this scheme will be to support institutions who wish to depute their professionals for intensive capacity building, training programmes in order to upgrade their expertise/ skills in the following and related fields, as identified in the 14 point Museum Reform Agenda, 2009 and in collaboration with national and internationally well-known museums and institutions: Collection management: documentation, preventive care and storage Museum/Exhibition design: display, lighting, interpretation and access Museum management, marketing and Leadership training Museum education and outreach Preservation and conservation of museum collections/ scientific study for better conservation of museum collections

The maximum amount of financial assistance which may be given under this scheme would be 80% of the total estimated cost of training programme subject to a maximum of ₹ 30 lakh per museum in case of Central/ State Government Museums. Financial assistance in respect of museums registered as Societies, Voluntary Institutions or Trusts under the Societies Act or a similar legislation would be 70% of the total estimated cost of training programme subject to a maximum of ₹ 20 lakhs per museum. The balance cost will have to be managed by the museum concerned themselves. Financial Grant for the purpose of capacity building and training of museum professionals will be given to a museum once in 3 years. The grant will cover expenses towards Training fee to host institution Foreign and domestic travel for purposes of training Subsistence costs (lodging and boarding) for the duration of training, Purchase of books or other intellectual material necessary for such training, Costs for purchase of stationary and teaching aids, Travel insurance for foreign travel (wherever mandated by foreign countries) Costs for Visa fee and similar permits.

All museums under the Central and State Governments, museums registered as societies, voluntary institutions or trusts under Societies Act or a similar legislation would be eligible for getting financial assistance under the Scheme. Applicant Institution should fulfill the following conditions The applicant institution should have been in existence after registration for at least 5 (five) years. It should have a well defined constitution and laid down rules/ bye laws for its functioning. It should be in ownership and possession of substantial collection of objects (minimum 500 objects) of historical/ cultural/ scientific importance that are on public display at all times. The nature and number of objects possessed and displayed by the museum should be clearly indicated in the proposal. The museum should be for public service and not-for profit Applicant institutions should send a covering letter, forwarding the application describing their suitability for the training, in the light of the plans that the museum has developed for upgradation in their museums. Candidates nominated should fulfill the following conditions: The candidate should be an Indian national The candidate should have a basic qualification of graduation in any subject The candidate/s should have at least 5 years experience working in/for a museum and should produce relevant documents to support the same even in cases where he/she has not worked with the applicant institution for 5 years. Individuals who do not work with a museum/ institution and only undertake freelance work will not be supported through this grant. In case of candidates from non-government museums registered as trusts/ societies as per eligibility criteria at a) above, the Museum should acknowledge the support from the Ministry under this scheme in the following manner: The Ministry of Culture logo and name should appear at a prominent place at the Museum’s entry and remain there for a period of 3 years from the date of release of grant to acknowledge its support. The Ministry’s support should be acknowledged in the final report of the training prepared by the Museum/ candidate. The international institution/ museum being collaborated with should provide a letter of acknowledging the contribution of the Ministry of Culture towards supporting the candidate.

The scheme is open throughout the year and there will be no fixed last date for submission of proposals. Applications will be processed and appraised on first-come-first-serve basis under the scheme in the Ministry of Culture. In addition to the prescribed application form, Form-I with Annexures mentioned therein, the applicant should submit the proposal in the form of detailed project report containing detailed estimates regarding the training programme to be attended.

(3)

Scheme of Building Grants, Including Studio Theatres.

The objective of the scheme is to support voluntary cultural organizations and government-aided cultural organizations in their efforts to create appropriately equipped training, rehearsal and performance spaces for artistes.

All grants under the scheme will be of a non-recurring nature. Recurring expenditure, if any, will be the responsibility of the grantee organization. Maximum assistance under the scheme will be as under:

City	Type Of Project	Limit Of Assistanc
Bangalore, Chennai, Delh	Projects involving new construction or purchase of built up space	₹50 lakhs
Hyderabad, Kolkata, Mumbai	All other projects	₹25 lakh
All non-Metro cities, towns or places	All projects	₹25 lakhs

The scheme covers: All not-for-profit organizations that fulfill the following criteria: The organization has a predominantly cultural profile, working primarily for the promotion of arts and culture in fields such as dance, drama, theatre, music, fine arts, indology and literature at least for a period of three years. The organization is registered as a society under the Registration of Societies Act or similar Acts, or as a Trust or as a Not-for-Profit Company, at least for a period of three years. The organization is well established and known to be doing meaningful work in the field of its activity and has gained a local, regional or national identity. Its charter is devoted to the preservation, propagation and promotion of Indian arts and culture. Government-sponsored bodies for promoting the performing arts. University Departments or Centres dedicated to the performing arts. Colleges set up to promote the performing arts. An organization that has been receiving salary grant for the last 3 years under the Ministry’s Scheme of “Financial Assistance to Professional Groups and Individuals Engaged for Specified Performing Arts Projects” will be deemed to have fulfilled all the above conditions. A Government-sponsored body, University Department/ Centre or College dedicated to the performing arts may also be automatically eligible, provided its record over the preceding three years is satisfactory.

National School of Drama (NSD) under the Ministry of Culture will notify the scheme annually through NSD’s/ Ministry’s websites: nsd.gov.in/indiaculture.nic.in. A brief advertisement to publicize the scheme will be brought out at least once a year by Ministry of Culture. Applications in the prescribed proforma would have to be submitted to “The Director, National School of Drama, Bahawalpur House, Plot No.1,Bhagwandas Road, New Delhi – 110 001.

VIII. Ministry Of Finance
1. SIDBI schemes

S.No	Related Schemes for Enterprise Development (Direct/ Indirect)	Related Scheme	Description	Nature of assistance	Who can apply?	How to apply?
1	Scheme for Growth Capital and Equity Assistance	Growth Capital and Equity Assistance	Assistance in the form of mezzanine/convertible instruments, subordinated debt and equity. The scheme provides adequate capital to meet growth aspirations of MSMEs and helps existing small and medium businesses to make investments in marketing, brand building, creation of distribution network, technical know-how, R&D, software purchase, etc	Assistance in the form of mezzanine/ convertible instruments, subordinated debt and equity	Existing small and medium businesses in need of capital for growth i). An MSME as per definition of Government of India (MSMED Act) ii). SIDBI’s existing customers (meeting internal rating criteria) OR i). Units with past 3 years of profitability and 2 years of satisfactory banking credit track record (meeting internal credit rating criteria) ii). Acceptable external rating from CRISIL, ICRA, D&B, SMERA, etc., would be desirable	Submit the online enquiry form in the website
(2)	Scheme for Refinance for Small Road Transport Operators (SRTOS)	SRTOS	Expenditure on cost of chassis, body building, initial taxes/ insurance and working capital. Second-hand vehicles are not eligible for assistance	Refinancing	Small road transport operators	Scheme operated through SFCs/ SIDCs/ banks.
(3)	Scheme For General Refinance Scheme (Grs)	General Refinance Scheme	Setting up new MSEs or expansion, modernization, diversification, etc., of existing units and for all activities eligible for assistance under the scheme including professional practice/ consultancy venture and service sector units such as tourism related activities/ hospitals/ nursing homes/ polyclinics/ hotels/ restaurants/ marketing and industrial infrastructural projects.	Setting up new MSEs or expansion, modernization, diversification, etc.	All forms of organizations in MSEs (i.e., proprietary, partnership, company society), etc.	Scheme operated through SFCs/ SIDCs/ banks.
(4)	Refinance scheme for Textile industry under Technology Upgradation Fund (RTUF)	Refinance for textile industry	Installation of specified types of machinery in a new unit or in an existing unit by way of replacement of existing machinery and/ or expansion will be eligible	Refinancing	Textile industries	Scheme operated through SFCs/ SIDCs/ banks
(5)	Scheme for acquisition of ISO series certification by MSE units	Acquisition of ISO series certification by MSE units	Expenses on consultancy, documentation, audit, certification fees, equipment and calibrating instruments required would be taken into account for determining loan requirement	Financial support for ISO certification	Existing MSEs having good record of past performance and sound financial position. The concerns should: have been in operation for a period of at least two years; earned profit and/or declared dividend during preceding two financial years; and, not be in default to institutions/ banks in payment of their dues	Scheme operated through SFCs/ SIDCs/ banks
(6)	Scheme for Composite Loan Scheme	Composite loan scheme	Assistance for equipment and/or working capital as also for work sheds	Loan limit - Not to exceed ₹25 lakh	Artisans, village and cottage industries and small industries in tiny sector	Scheme operated through SFCs/ SIDCs/ banks
(7)	Scheme for Single Window Scheme (SWS)	Single Window Scheme	Providing both term loans for fixed assets and loan for working capital through a single agency. The total working capital requirement of such units inclusive of all fund based facilities is to be taken into account for determining working capital facility eligible for refinance.	Loans for fixed assets and working capital	Entrepreneurs setting up new projects in MSE/tiny sector, new promoters acquiring unencumbered fixed assets of existing MSE concerns from PLIs and also existing well run units undertaking modernization/ technology up-gradation and potentially viable sick units undertaking a rehabilitation scheme.	Scheme operated through SFCs/ SIDCs/ banks
(8)	Scheme for Rehabilitation of Sick Industrial Units	Rehabilitation of sick industrial units	Providing assistance for rehabilitation of potentially viable sick units	Assistance for rehabilitation of potentially viable sick MSE units	Potentially viable MSE units, including units in cottage and village industries and in tiny sector, conforming to definition of sick MSE unit. The assistance is meant for sick MSE units for which proper rehabilitation packages have been drawn up. Units eligible for rehabilitation assistance should be capable of being restored to normal health within a reasonable time.	Scheme operated through SFCs/ SIDCs/ banks
(9)	Scheme for development of industrial infrastructure for MSME sector	Development of industrial infrastructure for MSME sector	Setting up of industrial estates/development of industrial areas including such projects found eligible under the KVIC model.	Financial support for development of industrial infrastructures	One of the major factors inhibiting growth of SMEs is availability of adequate owners’ capital. Most of SMEs not able to attract external equity, including venture capital funding due to high perceived risk, limited exit options and high transaction cost.	Scheme operated through SFCs/SIDCs/ banks
(10)	Scheme for Integrated Infrastructural Development (IID)	Integrated Infrastructural Development (IID)	IID centres with facilities like water supply, power, telecommunication, common services centre including for technological back up services for MSEs in rural backward areas. The cost of improving/ upgrading deficient infrastructural facilities to increase productivity and optimum utilization of existing centres/ clusters in backward/ rural areas.	Ceiling on project cost is ₹50 million. Cost in excess of ₹50 million may be met by State/ UT Government. Cost of ₹50 million to be financed by Grant from GoI ₹20 million and loan from SIDBI, from any other bank/FI of ₹30 million. In case of NE region, amount of Grant from GoI and loan from SIDBI, from any other bank/ FI would be ₹40 million and ₹10 million respectively.	Implementing agencies (a public sector corporation or a corporate body or a good NGO with a sound financial position) entrusted with the task of implementing scheme by concerned State/ Union Territory Government.	Scheme operated through SFCs/ SIDCs/ banks
(11)	Scheme for Bills Re-Discounting Equipment	Bills Re-Discounting Equipment	For sale/ acquisition of machinery on deferred payment terms for setting up of new MSME units is also for expansion, diversification, modernization, replacement, addition of balancing equipment, etc.	Operated through scheduled commercial banks. Usance of bills - Normally 2-5 years.	Manufacturer-sellers/ purchaser-users of indigenous machinery/ capital equipment one of whom should be in the small scale sector.	Prescribed proforma given in the SIDBI
(12)	Scheme for Bills Rediscounting - Equipment (Inland Supply Bills)	Bills Rediscounting - Equipment (Inland supply bills)	To encourage a bills culture as a method of working capital financing to ensure timely payment. Trade bills arising out of the supply of goods by MSME units and discounted with commercial banks either by drawer (seller) or drawee (buyer) is rediscounted by the banks with SIDBI.	Unexpired usance - Not more than 90 days.	MSME suppliers	Scheme operated through scheduled commercial banks

2. NABARD schemes

S.No	Related Schemes for Enterprise Development (Direct/ Indirect)	Related Scheme	Description	Nature of assistance	Who can apply?	How to apply?
1	Scheme for Producers Organizationse	Producer Organization Development Fund (PODF)	Extending credit facilities to take up production, aggregations, processing and/or marketing activities	Fund support Producers Organizations across three levers, viz. credit support, capacity building & market linkage	Marketing Federations/ Corporations/ Cooperatives	Banks
(2)	Scheme for Dairy Venture Capital Fund	Dairy Venture Capital Fund	Milk animal	Interest free loan - 50% of the outlay	Individuals	Through banks
(3)	Scheme for establishing “poultry estates” and mother units for rural backyard poultry	Establishing Poultry Estates	Scheme for poultry development. The scheme has following three components namely (i) Assistance to state poultry farms (ii) Rural backyard poultry and (iii) Poultry estates	Unit cost (unit size 1,500 chicks per batch): ₹1.36 lakh	Individuals	Banks
(4)	Scheme for Establishment/ Modernization of Rural Slaughter Houses	Establishment/ Modernization of Rural Slaughter Houses	The schemes is a subsidy based credit linked scheme for establishment/ modernization of Rural Slaughter Houses	Capital subsidy - 50% of the total financial outlay	Any company, partnership firm, NGO and individual entrepreneurs	Bank
(5)	Scheme for Commercial Production Units of Organic Inputs	Commercial Production Units of Organic Inputs	The scheme includes two components: Fruit and vegetable market waste compost and bio-fertilizers - Bio-pesticides production units	Subsidy @ 25% of the capital cost of the project	Individuals	Banks
(6)	Poultry Venture Capital Fund	Poultry Venture Capital Fund	The objectives of the scheme are: Encourage poultry farming activity especially in non-traditional states and provide employment opportunities in backward areas. Improve production of poultry products which have ready market all over country Improve productivity of unscientifically run units through technology up-gradation Provide quality meat to consumers in hygienic conditions, and improve hygienic sale of poultry meat and products in urban areas and neighborhood societies through poultry dressing and marketing outlets.  Improve productivity and facilitate rearing of other poultry species like quails, ducks, turkeys, etc., which have good potential.	Entrepreneur contribution (margin) - For loans upto ₹1 lakh, banks may not insist on margin as per RBI guidelines. For loans above ₹1.00 lakh: 10% (minimum) Back ended capital subsidy - 25% of outlay (33.33 % for SC/ST farmers and NE states including Sikkim) Effective bank loan (excluding eligible subsidy as above) – Balance portion, Minimum 40% of outlay	Farmers, individual entrepreneurs, NGOs, companies, cooperatives, groups of unorganized and organized sector which include Self Help Groups (SHGS), Joint Liability Groups (JLGs), etc.	Please visit http://dahd.nic.in/dahd/upload/schemes/PoultryVentureCapitalFund.pdf

IX. Ministry Of Food Processing Industries (MOFPI)

S.No	Related Scheme	Description	Nature of assistance	Who can apply?	How to apply?
1	Mega Food Park	Providing mechanism to link agricultural production market by bringing together farmers, processors and retailers to ensure maximizing value addition, minimizing wastages, increasing farmers’ income and creating employment opportunities particularly in the rural sector. This is based on “Cluster” approach and envisages a well-defined agri/ horticultural-processing zone containing state-of-the art processing facilities with support infrastructure and well-established supply chain. These include Collection Centers, Primary Processing Centers (PPC), Central Processing Center (CPC) and Cold Chain infrastructure.	One time capital grant of 50% of project cost (excluding land cost) subject to a maximum of ₹50 crore in general areas and 75% of project cost (excluding land cost) subject to a ceiling of ₹50 crore in difficult and hilly areas i.e. North East Region including Sikkim, J&K, Himachal Pradesh, Uttarakhand and ITDP notified areas of the states. Programme Management Agency (PMA) is appointed by the Ministry to provide management, capacity building, coordination and monitoring support. Separate amount to the extent of 5% of overall grants available, is earmarked.	Farmer groups, Self Help Groups, Individual farmers	For seeking assistance contact: Cluster Development Initiatives, Project Management Consultants (PMC), SPV or Director, Ministry of Food Processing.
(2)	Cold chain	The objective of cold chain, value addition and preservation infrastructure is to provide integrated cold chain and preservation infrastructure facilities without any break from farm gate to consumer. It covers pre-cooling facilities at production sites, reefer vans, mobile cooling units as well as value addition centres which include infrastructural facilities like processing/ multi-line processing/ collection centres, etc., for horticulture, organic produce, marine, dairy, meat and poultry, etc. The scheme aims to facilitate establishment of a strong cold chain facility for agricultural, horticultural, dairy, fish & marine, poultry & meat products by establishing linkage from farm gate to consumer, end to end, to reduce losses through efficient storage, transportation and minimal processing. The different components of the cold chain projects are as under: Minimal processing centre at the farm level and centres is to have facility for weighing, sorting, grading waxing, packing, pre-cooling, Control Atmosphere (CA)/ Modified Atmosphere (MA) cold storage, normal storage and individual quick freezing (IQF). Mobile pre-cooling vans and reefer trucks. Distribution hubs with multi products and multi Control Atmosphere (CA)/ Modified Atmosphere (MA) chambers/ cold storage/ variable humidity chambers, packing facility, Cleaning In Process (CIP) fog treatment, Individual Quick Freezing (IQF) and blast freezing. Irradiation facility	Cold chain for non-horticulture products is also being funded under the National Mission on Food Processing. NABARD provides concessional finance for construction of warehouses, godowns, silos and cold storage units designed to store agricultural produce, both in public and private sectors. Financial assistance (grant-in-aid) of 50% total cost of plant and machinery and technical civil works in general areas and 75% for NE region, including Sikkim and difficult areas (J&K, Himachal Pradesh and Uttarakhand) subject to a maximum of ₹10 crore.	Individual, groups of entrepreneurs, cooperative societies, Self Help Groups (SHGs), Farmers Producer Organizations (FPOs), NGOs, Central/ State PSUs, etc., with business interest in cold chain solutions are eligible to set up integrated cold chain and preservation infrastructure and avail grant under the scheme. Cold Chain for Non-Horticulture Products are also being funded under the National Mission on Food Processing.	NABARD provides concessional finance for construction of warehouses, godowns, silos and cold storage units. Applications under this scheme will be invited through 'Expression of Interest' by the Ministry.
(3)	Modernization of Abattoirs	This is a comprehensive scheme, which includes establishment of modern abattoirs and modernization of existing abattoirs. Modernization of abattoirs will also include up-scaling of infrastructure of existing abattoirs. For modernization of meat shop, grant in aid is extended	The scheme envisages a grant of 50% of cost of plant and machinery and technical civil work and other eligible items subject to a maximum of ₹15 crores in general areas and 75% of cost of plant and machinery and technical civil work and other eligible items subject to a maximum of ₹15 crores in difficult areas (NE states including Sikkim, Jammu & Kashmir, Himachal Pradesh, Uttarakhand and Integrated Tribal Development [ITDP] notified areas of the States) per abattoir	The scheme is implemented with the involvement of local bodies (Municipal Corporations and Panchayats)/ Public Sector Undertakings/Co- Operatives/Boards under Government and has flexibility for involvement of private investors on Public Private Partnership basis.	In the prescribed application format given in the Ministry of Food Processing Industries
(4)	Research & development, Quality assurance, codex and promotional activities	Quality and food safety have become a competitive edge in global market. Total Quality Management (TQM) such as quality control, quality system and quality assurance should function in a horizontal fashion for total success. R&D is an important area where focused attention is related to improvement of production, quality, consumer safety and public health. R&D for development and up-gradation of products, processes and technologies is required in processed food sector	Central/State Government and its organizations/ Universities (including deemed universities) are eligible for grant-in-aid of entire cost of laboratory equipments required for labs and 25% of cost of technical civil works to house the equipments and furniture and fixtures associated with the equipments for general areas and 33% for difficult areas (J&K, Himachal Pradesh, Uttaranchal, Sikkim, North-Eastern States, Andaman & Nicobar Islands, Lakshadweep, Integrated Tribal Development Projects (ITDP) area). All other implementing agencies/ private sector organizations are eligible for grant-in-aid of 50% of cost of laboratory equipments and 25% of cost of technical civil works to house the equipments and furniture and fixtures associated with the equipment for general areas and 70% of cost of lab-equipment and 33% of technical civil works for difficult areas. This includes 5% of grant amount as professional fees for the Programme Management Agency (PMA) engaged in providing advisory and implementation services to food testing/ quality control laboratories and follow up actions. When the Ministry establishes/ sponsors such food testing laboratories, there would be no ceiling to financial assistance and the amount to be approved is decided on a case to case basis with the approval of Competent Authority. The food testing facilities so created should be accessible to public and made available to the food processing units for testing their products in and around the area at specified rates.	Central/ State Government and its organizations/ Universities (including deemed universities)	In the prescribed application format given in website http://www.mofpi.nic.in/
(5)	National Mission on Food Processing (NMFP)s	Centrally Sponsored Scheme (CSS) for implementation through State/ UT Governments. A number of schemes which were implemented by MoFPI were subsumed with the Mission. This envisages establishment of a National Mission as well as corresponding Missions in State and District level. The objective is decentralization of implementation of food processing related schemes for ensuring substantial participation of State/UT Governments. The mission is expected to improve the Ministry’s outreach significantly in terms of planning, supervision, monitoring of various schemes apart from playing a more meaningful role in policy formation	It is a centrally sponsored scheme in all the states in the ratio of 75:25 (Govt. of India and states) except for North Eastern states, where the ratio is 90:10. All the UTs are funded on 100% grant basis.	Food processing industries	Submit a Proposal in prescribed format given in website http://www.mofpi.nic.in/

X. Ministry Of Housing & Urban Poverty Alleviation

S.No	Related Scheme	Description	Nature of assistance	Who can apply?	How to apply?
1	RAY (Rajiv Awas Yojana)	RAY scheme is being launched with a mission of improving and provisioning of housing, basic civic infrastructure and social amenities in intervened slums. Also enabling reforms to address some of the causes leading to creation of slums. Facilitating a supportive environment for expanding institutional credit linkages for urban poor. Institutionalizing mechanisms for prevention of slums including creation of affordable housing stock.	RAY will provide financial support to States/ UTs/ Urban Local Bodies (ULBs)/ Central Government Agencies called implementing agencies, for providing housing and improvement of basic civic infrastructure and social amenities in each selected slums. Rental and transit housing will be admissible under scheme. Operation and maintenance (O&M) of assets created under this scheme will also be eligible for funding.	The scheme is applicable to all cities/ UAs. The selection for seeking assistance under the scheme will be made by states in consultation with the Centre. The cities/ UAs covered under preparatory phase of RAY are automatically included under implementation phase of RAY.	The scheme is applicable to all cities/ UAs. The selection for seeking assistance under the scheme will be made by states in consultation with the Centre. The cities/UAs covered under preparatory phase of RAY are automatically included under implementation phase of RAY..
(2)	RRY (Rajiv Rinn Yojana)	RAY scheme is being launched an Interest Subsidy Scheme for Housing as an instrument to address housing needs of Economically Weaker Sections (EWS) and Low Income Groups (LIG) segments in urban areas, through enhanced credit flow.	RRY provides for interest subsidy of 5% (500 basis points) on loans granted to Economically Weaker Section (EWS) and Low Income Group (LIG) categories to construct their houses or extend existing ones.	The beneficiaries, designated as Below Poverty Line (BPL), Economically Weaker Section (EWS) or Low Income Group (LIG) may directly approach Banks/ Housing Finance Corporations collectively called Primary Lending Institution (PLI) for availing benefit under the scheme.	PLI’s extend a housing loan application form to Beneficiary/Borrower, who in turn fills and submits application along with banks application fee, if any. The documents required while submitting application are provided by the PLIs.
(3)	National Urban Livelihoods Mission	The underemployed and unemployed urban poor will be encouraged to set up small enterprises relating to manufacturing, servicing and petty business for which there is considerable local demand. Local skills and local crafts should be particularly encouraged.	The financial assistance available to urban poor in setting up individual and group enterprises will be in the form of interest subsidy on the bank loans. Interest subsidy will be given only in case of timely repayment of loan. Suitable certification from banks will be obtained in this regard.	No minimum educational qualification is required for prospective beneficiaries under this component. However, where identified activity for micro-enterprise development requires some special skills, appropriate training must be provided to beneficiaries before extending financial support by linking them for training under component.	The beneficiaries desirous of seeking financial assistance for setting up an enterprise can submit an application of intent to concerned ULB officials on a plain paper with basic details viz: name, age, contact details, address, aadhaar details (if any), amount of loan required, bank account number (if available), type of enterprise/ activity, category, etc.
(4)	JNNURM (Jawaharlal Nehru National Urban Renewal Mission)	JNNURM was launched with the objective of focused attention to integrated development of basic services to urban poor. Security of tenure at affordable price, improved housing, water supply, sanitation; Convergence of services in fields of education, health and social security	Financial assistance will be available to ULBs and parastatal agencies which could deploy these funds for implementing projects themselves or through special purpose vehicles (SPVs) that may be expected to be set up.	JNNURM shall give assistance for infrastructure development in eligible cities/ Urban Agglomerations across states in the country based on certain specified criteria.	Applicants seeking assistance are required to submit their request in specified formats. State/ UT Governments/ ULBs are required to prepare and get City Development Plans/ Detailed Project Reports approved by State Level Steering Committee. After approval at State Government level, the DPRs are considered for approval of Central Sanctioning & Monitoring Committee/ Central Sanctioning Committee at the central level.

XI. Ministry of Rural Development

S.No	Related Scheme	Description	Nature of assistance	Who can apply?	How to apply?
1	Aajeevika - National Rural Livelihoods Mission (NRLM)	The scheme was launched by the Ministry of Rural Development (MoRD), Government of India in June 2011. Aided in part through investment support by the World Bank, the Mission aims at creating efficient and effective institutional platforms of the rural poor enabling them to increase household income through sustainable livelihood enhancements and improved access to financial services. Save as otherwise provided in this Act, the disbursement of daily wages shall be made on a weekly basis or in any case not later than a fortnight after the date on which such work was done. NRLM has set out with an agenda to cover ₹7 Crore rural poor households, across 600 districts, 6000 blocks, ₹2.5 lakh Gram Panchayats and ₹6 lakh villages in the country through self-managed Self Help Groups (SHGs) and federated institutions and support them for livelihoods collectives in a period of 8-10 years. In addition, the poor would be facilitated to achieve increased access to their rights, entitlements and public services, diversified risk and better social indicators of empowerment. NRLM believes in harnessing the innate capabilities of the poor and complements them with capacities (information, knowledge, skills, tools, finance and collectivization) to participate in the growing economy of the country.	Compensation and benefits for YPs will be based on professional experience. This will be competitive and best among what is being paid across the development sector. This will be divided into different components and paid as per following. Component Compensation (₹) Monthly basic pay ₹50,000 Monthly Communication Allowance ₹5,000 Incremental award ₹5,000 for each year of relevant experience	YPs will be recruited from prestigious academic and training institutes.	All IIMs, all IITs, XLRI, FMS, IRMA, Delhi School of Economics, IIFM, TISS, JNU, XISS, XIMB, National Law Schools (like NLS, NALSAR, etc.), Delhi School of Social Work and any other P.G. institutions of national eminence
(2)	Indira Aawas Yojna	Housing is one of basic requirements for human survival. For a normal citizen owning a house provides significant economic and social security and status in society. Approximately ₹5 lakh families were housed in various centres mainly located in Northern India. A Village Housing Scheme was also launched as part of the Community Development Movement in 1957, in which loans to individuals and cooperatives were provided up to a maximum of ₹5,000 per house. However, only 67,000 houses were built under this scheme by end of Fifth Plan (1980). Since 1999-2000, a number of initiatives have been taken to improve the Rural Housing (RH) programme by making provision for up-gradation of unserviceable kutcha houses and by providing credit with subsidy for certain sections of the poor. Emphasis has also been laid on use of cost affective, disaster resistant and environment friendly technologies in rural housing.	Unit assistance under IAY for hilly/difficult areas-enhancement of unit assistance from ₹45,000 to ₹48,500 in respect of focused LWE districts. 18 more districts are included for hilly/ difficult areas.	Members of Scheduled Castes/ Scheduled Tribes, freed bonded laborers, minorities in the below poverty line category can apply.	Zilla Parishads or District Rural Development Agency at District Level all over the country.
(3)	Pradhan Mantri Gram Sadak Yojanan	The scheme would fully fund Centrally sponsored to provide all weather road connectivity in rural areas of the country. The programmes envisage connecting all habitations with population of 500 persons and above in the plain areas 250 persons above in hill states, tribal and desert areas.	Once the core network is prepared, it is possible to estimate length of roads for new connectivity as well as up-gradation for every district. States may, each year, distribute state’s allocation among districts giving 80% on the basis of road length required for providing connectivity to unconnected habitations and 20% on the basis of road length requiring up-gradation under PMGSY. District-wise allocation of funds would also be communicated to the Ministry /NRRDA/ and STA every year by the State Government	All districts having eligible unconnected habitations are to prepare Block and District level Comprehensive New-Connectivity Priority Lists (CNCPL) for those Districts, of all proposed road links under PMGSY, grouping them in following general order of priority.	Director, Ministry of Rural Development, Government of India, Krishi Bhavan, Dr. Rajendra Prasad Road, New Delhi – 110001
(4)	Prime Minister’s Rural Development Fellows Scheme (PMRDFS)	This is a holistic programme covering all aspects of self employment organizing the groups into SHGs providing infrastructure, training, credit, technology and marketing support. The objective of the programme is to uplift the rural poor above the poverty line in 3 years by providing them income generating assets through a mix of bank credit and government subsidy. Essential criteria:- i) Should be a citizen of India. ii) Age between 22-27 years at the time of application. For candidates belonging to SC/ST category, the maximum age limit will be 32 years. iii) At least a graduate from a recognized University with a four-year degree course, including those like Agriculture, Animal Husbandry, Engineering, Law, Medicine etc., or a post-graduate from a recognized University (in 5 case of a graduate holding degree of a course duration of less than four years). It is clarified that a one year post graduate course will also be considered valid for eligibility if it is regular, full time and if the degree/equivalent diploma is recognized by the AICTE/MCI/UGC. iv) At least 50% marks in the aggregate or equivalent grade at the graduate or Post-graduate level, whichever is qualifying.	The Fellows shall be entitled to a consolidated stipend package of ₹50,000 (Rupees Fifty thousand only) per month during the orientation period and ₹75,000 per month (Rupees Seventy Five Thousand only) during the first year and a 10% increment during the second year, subject to the Fellow’s satisfactory performance as determined by NRLPS in consultation with Programme Mentor (i.e. TISS etc.). This package shall be deemed to cover the Fellow’s honorarium, boarding and lodging expenses during the orientation period, accommodation/ house rent during the rest of the Fellowship period, health insurance, life and disability insurance cover and any other contingency expenses. It will be mandatory for the Fellows to purchase suitable health insurance and life and disability insurance coverage for the entire duration of the Fellowship including the orientation period. During the orientation programme, the Fellows shall be paid their stipend by NRLPS through the Programme Mentor, and the Fellows will pay for the boarding & lodging and any other expenses during the entire orientation period including the district attachment in the course of the orientation programme.	Applications for selection of Fellows shall be sought through public advertisements. Interested applicants shall be required to submit their application as per format notified by the Central Government.	The Zilla Parishads or District Rural Development Agency at District Level all over the country.
(5)	Provision of Urban amenities to Rural Areas (PURA Scheme)	Holistic and accelerated development of compact areas around a potential growth center in a Panchayat (or group of Panchayats) through Public Private Partnership (PPP) by providing livelihood opportunities and urban amenities to improve the quality of life in rural areas.” Provision of urban amenities and livelihood opportunities in rural areas to bridge the rural urban divide thereby reducing the migration from rural to urban areas.	Infrastructure and amenities to be provided operated & maintained under the PURA project by Private Developer. Water and sewerage, Village streets, Drainage, Solid waste management, Skill development, Solar village street lighting, Village linked tourism, Integrated Rural Hub, Rural Market, Agribusiness – common service center and warehousing, and Any other rural economy based project.		Block Development Officer or District Rural Development Agency at District level all over the country
(6)	Swarnjayanti Gram Swarozgar Yojana	This is a holistic programme covering all aspects of self employment organizing the groups into SHGs providing infrastructure, training, credit, technology and marketing support. The objective of the programme is to uplift the rural poor above the poverty line in 3 years by providing them income generating assets through a mix of bank credit and government subsidy.	Subsidy under the above scheme will be uniform at 30% of the project cost, subject to a maximum of ₹7,500. In respect of SC/ST, however these will be 50% and ₹10,000 respectively for groups (SHGs) the subsidy would be at 50% of the cost of the scheme subject to a ceiling of ₹1.25 lakh. There will be no monitoring limit on subsidy for irrigation projects. Subsidy will be back–ended.	SHGs and individuals under below poverty line people.	The Block Development Officer or Submit the application to District Rural Development Agency at District level all over the country.

XII. Ministry Of Science & Technology

S.No	Related Schemes for Enterprise Development (Direct/ Indirect)	Related Scheme	Description	Nature of assistance	Who can apply?	How to apply?
1		International S&T Cooperation (ISTC)	Co-operations are sought under bilateral, multilateral or regional framework modes for facilitating and strengthening interactions among governments, academia, institutions and industries in areas of mutual interest.	Support under this scheme is to provide international exposure to scientists and is restricted to exchange visits, mostly under some of the project. Support for equipment, consumables and exchange visit is available from DST to the Indian participants belonging to public funded organizations (universities, R&D lab, etc.) For scientists belonging to private sector, support is restricted to local hospitality as a part of exchange visit.	Scientists/ Faculty members working in a regular capacity in universities, national R&D laboratories/ institutes, private R&D institutes and industry.	Promote research in newly emerging and front line areas of science and engineering, including multi-disciplinary fields. To selectively promote general research capability in relevant areas of science and engineering taking into account existing research capability of the host institute. Encourage Young Scientists to take up challenging R&D activities. e
(2)		Science & Engineering Research Council (SERC)	Promote research in newly emerging and front line areas of science and engineering, including multi-disciplinary fields. To selectively promote general research capability in relevant areas of science and engineering taking into account existing research capability of the host institute. Encourage Young Scientists to take up challenging R&D activities.	Staff salaries, equipments, internal travel, supplies & consumables, contingency expenditure and overheads.	Scientists from universities, their affiliated colleges, IITs, IISc ., and other autonomous research institutions along with scientists working in industrial R&D sector can submit a proposal under this scheme.	Thirty copies of proposal in prescribed format are to be submitted twice during the year i.e., between 1st to 30th April and 1st to 31st October of each calendar year.
(3)		State Science & Technology Programme (SSTP)	Under INSPIRE award scheme of Department of Science & Technology (DST), two students are selected from every middle & high school of the country having classes 6 to 10 during a Five Year Plan period for an INSPIRE award of ₹5,000 each for preparing a science project/model.	Entire cost for conduct of competitions at various levels is borne by the Central Government. Money is released to State Nodal officers in-charge of INSPIRE for organizing competitions at District and State levels. This core grant assistance partially covers support for scientific, technical & administrative manpower, travel, office expenses and modern office equipment, etc.	Students from every middle & high school of the country having classes 6 to 10 are eligible to apply for the award.	Merit based selection of students is done by the State Government machinery involving Headmaster/ Headmistress/ Principal of the schools.
(4)		Science and Technology Application for Rural Development (STARD)	STARD aims at facilitating development of promising voluntary organizations and innovative technologies which are related to rural areas. The objectives are: strengthen the existing institutions, field groups, NGOs, etc., involved in research and application of innovative S&T solutions for rural development by providing long-term support for core personnel. Catalyze research development and adaptation of technology by funding development efforts. Motivate scientists and technologists for applying their expertise to problems in the rural areas.	Equipment, salaries, consumables, internal travel, overhead, etc.	Non-governmental organizations (NGOs), recognized schools, Colleges, universities and R&D institutions.	Proposal in the prescribed format can be submitted any time during the year.
(5)		Science and Technology for Weaker Sections (STAWS)	Promote research development and adaptation of science and technology for improving quality of life of weaker sections. Motivate scientists for applying their knowledge and expertise to problems of weaker communities.	Equipment, salaries, consumables, internal travel, overhead, etc.	Non-governmental organizations (NGOs), recognized schools, Colleges, universities and R&D institutions.	Proposal in prescribed format can be submitted any time during the year.
(6)		Scheme for Young Scientists (SYS)	Provide opportunities to young scientists for pursuing innovative research ideas which have direct bearing on social problems. Provide opportunities for interaction and exchange of ideas with scientific community. Involve young scientists in national S&T development process through fellowships in selected NGOs.	Equipment, salaries, consumables, travel, overhead, etc.	Scheme is open to young scientists, upper age limit being 35 years and having a minimum qualification of graduation in engineering, or post-graduation in science.	Proposal in prescribed format can be submitted any time during the year.
(7)		Tribal Sub-Plan (TSP)	Preserving traditional artisanal skills and up-grading the same. Finding out alternative employment potential wherever present occupation is dwindling. Improvement in existing equipment and machinery and introduction of new techniques. Promote research, development and adaptation of S&T for improving quality of life of scheduled tribes including primitive tribal groups.	Equipment, salaries, consumables, travel, overhead, etc.	Non-governmental organizations (NGOs), recognized schools, Colleges, universities and R&D institutions.	Proposal in prescribed format can be submitted any time during the year.
(8)		Critical Technology Programme (CTP)	Promote research and development for development of technologies/ products/ processes which are critical in nature and can extend its benefits/ usefulness to large masses in India.	Salaries, equipment, consumables, contingencies, internal travel, overheads, etc.	Individuals/group from academic institutions/ research organizations/ industrial R&D units.	Proposal in prescribed format can be submitted any time during the year.
(9)		Science and Technology for Women	This scheme is focused on women as a specific target group. Promote research & development and adaptation of technology improve the life, working conditions and opportunities for gainful employment of women especially in rural areas. Increase the contribution of women to science and technology and development.	Equipment, salaries, consumables, internal travel, overhead, etc.	Non-governmental organizations (NGOs), recognized schools, Colleges, universities and R&D institutions.	Proposal in prescribed format can be submitted any time during the year
(10)		National Science & Technology Entrepreneurship Development Board (NSTEDB)	NSTEDB is an institutional mechanism to help promote knowledge driven and technology intensive enterprises. The Board, having representations from socio-economic and scientific Ministries/ Departments, aims to convert "job-seekers" into "job generators" through Science & Technology (S&T) interventions.
(i)		Innovation and Entrepreneurship Development Centre (IEDC)	This is being promoted in educational institutions to develop institutional mechanisms to create entrepreneurial culture in S&T academic institutions and to foster techno-entrepreneurship for generation of wealth and employment by S&T persons. IEDCs are established in academic institutions (science colleges, engineering Colleges, universities, management institutes) having requisite expertise and infrastructure.	The proposal shall be submitted to the NSTEDB secretariat in the prescribed proforma.	Science &Technology academic institutions	Head, NSTEDB. Project proposal in prescribed proforma.
(ii)		Entrepreneurship Development Cell (EDC)	Act as an institutional mechanism for providing various services including information on all aspects of enterprise building to budding S&T entrepreneurs. Create entrepreneurial culture; promote objectives of NSTEDB and programmes related to women & weaker sections. Foster better linkages between parent institution, industries, R&D institutions, NGO’s and other related organizations of the region engaged in promotion of MSME	Provides financial assistance to institution selected for establishment of ED cells, for meeting recurring expenditure (Manpower cost, travel, training and contingencies, etc.) Of EDC, for upto five full operational years. However, financial assistance would be in project mode on a year-to-year basis, based on successful implementation of EDC project. NSTEDB also provides limited onetime non-recurring financial assistance, upto a maximum of ₹ 7 lakhs, required for purchase of PC with printer, UPS, library books, journals, laptop, photocopier, multimedia projector, office communication equipments like fax, scanner, etc.	University/deemed to be a university or a premier institute/college offering engineering, technology, science & management courses for the past 5 years	Institution/university shall submit proposal for setting up of an EDC as per proforma
(iii)		Entrepreneurship Development Programme	EDP of 6-8 weeks duration aims at training the S&T graduates and diploma holders in essentials of conceiving, planning, initiating and launching an economic activity or an enterprise successfully.	Assistance of ₹2,00,000	R&D institution or specialized training institution	Head, NSTEDB. Project proposal in prescribed proforma, may be submitted.
(iv)		Science & Technology Entrepreneurship Development (STED)	Project aims to bring about a socio-economic development of an area through intervention of Science & Technology. Project envisages matching of material and human resources of the district to create new enterprises and employment by usage of Science & Technology processes. It involves identification of opportunities through a detailed scientific survey and exploitation of opportunities thus identified by entrepreneurs.	Identification of opportunities through a detailed scientific survey and exploitation of opportunities thus identified by entrepreneurs. Project is being implemented in 43 districts.	Reputed Technical Consultancy Organization (TCO), Non- Government Organization (NGO) or any organization having a proven track record in the field of entrepreneurship development.	Head, NSTEDB. Project proposal in prescribed proforma, may be submitted.
(v)		Science & Technology Entrepreneurs/Entrepreneurship Park (STEP)	Programme was initiated to provide a re-orientation in the approach to innovation and entrepreneurship involving education, training, research, finance, management and government. STEP creates necessary climate for innovation, information exchange, sharing of experience and facilities and opening new avenues for students, teachers, researchers and industrial managers to grow in a trans-disciplinary culture, each understanding and depending on other's inputs for starting a successful economic venture. STEPs are hardware intensive with emphasis on common facilities, services and relevant equipments.	It offers facilities such as nursery sheds, testing and calibration facilities, precision tool room/central workshop, prototype development, business facilitation, computing, data bank, library and documentation, communication, seminar hall/ conference room, common facilities such as phone, telex, fax, photocopying. It offers services like testing and calibration, consultancy. Training, technical support services, business facilitation services, database and documentation services, quality assurance services and common utility services.	Academic and R&D institutions of excellence	Head, NSTEDB. Project proposal in prescribed proforma, may be submitted.
(vi)		Technology Business Incubators (TBI)	TBIs besides providing a host of services to new enterprises (and also to existing SMEs in the region) also facilitate an atmosphere congenial for their survival and growth. Essential feature of a TBI is that tenant companies leave incubator space within 2-3 years. Creation of technology based new enterprises, creating value added jobs & services, facilitating transfer of technology, fostering entrepreneurial spirit, speedy commercialization of R&D output, specialized services to existing SMEs. Criteria for selection of location.	TBI may be promoted by selected Host Institution (HI) and DST jointly. HI has to provide requisite land and building for TBI. Financial assistance would be provided upto a period of five years only.	R&D institutions/ Academic institutions	Head, NSTEDB. Two copies of project proposal for proposed TBI, as per annexed proforma, may be submitted.
(11)	Department Of Biotechnology (DBT)	Schemes under Department of Bio-Technology	Different schemes have different target audience and proposal are called throughout the year. Proposal relate to bioengineering, bio-informatics, environment, food, HRD, medicine, nano-science, societal programmes, etc.	Mostly Grants, some loans are also provided under different schemes.	Different schemes have different target audience including entrepreneurs	Invitation for proposal and other details are updated on: http://dbtindia.nic.in/uniquepage.asp?id_pk=136
(12)		Department of Bio-Technology (DBT) Phase 1	Early Stage Funding for high risk, innovative ideas/products for commercialization	Upto ₹ 1 Crore, upto ₹50 lakh as grant and rest as soft loan	Biotech Companies/ Entrepreneurs	Contact the Executive Director, Biotech Consortium India Limited, 5th floor Anuvrat Bhawan, 210 Deen Dayal Upadhyaya Marg, New Delhi-110 002 (E. mail: bcildelhi@vsnl.com or bcil@biotech.co.in).
(13)		Various schemes under Animal/ Agriculture/Marine bio-technology/ Bio-resource Programme	Different schemes have different target audience and proposals are called throughout the year. Proposal relate to bioengineering, bio-informatics, environment, food, HRD, medicine, nano-science, societal programmes, etc.	Grant for pursuing R&D work to create products and improve processes in aquaculture and marine bio-technology	Individuals / Institutions	Invitation for proposal and other details http://dbtindia.nic.in/uniquepage.asp?id_pk=136
(14)		Biotechnology Industry Partnership Programme (BIPP)	Scheme caters to high risk, transformational technology / process development.	In ₹1 crores, mainly for larger projects. Grant, cost sharing and soft loans depending on partnership mode	Small, medium and large companies involved in R&D	Details are updated on http://dbtindia.nic.in/uniquepage.asp?id_pk=680
(15)		Biotechnology Industry Research Assistance Programme (BIRAP)	Scheme for validating technology, proof-of-concept work utilizing contract research services	Varies from case to case	a. Primary applicant (academia) b. Collaborating Company (ies)	Invitation for proposal and other details are http://www.birac.nic.in/programmes.php?prg=crs
(16)		Biotechnology Ignition Grant Scheme (BIG)	Scheme to establish and validate proof-of-concept and to enable creation of spinoffs	Upto ₹ 50 Lakhs	Incubatees (Students / Researchers / Entrepreneurs) or a Registered Company (Biotech Startups)	Invitation for proposal and other details are http://www.birac.nic.in/programmes.php?prg=crs

XIII. Ministry Of Social Justicey

S.No	Related Schemes for Enterprise Development (Direct/ Indirect)	Related Scheme	Description	Nature of assistance	Who can apply?	How to apply?
1	Rajiv Gandhi National Fellowship (RGNF)	Rajiv Gandhi National Fellowship (RGNF)	Fellowship for JRF and SRF will be at par with UGC fellowships will be awarded.	Scientists/ Faculty members working in a regular capacity in universities, national R&D laboratories/ institutes, private R&D institutes and industry.	Any student with disabilities who has been admitted to M.Phil./ Ph.D. Degree in a university or academic institution by completing required formalities for admission in that university or academic institution is eligible for award of fellowship, subject to provisions of the scheme as per advertisement of UGC.	UGC is nodal agency for implementing scheme for students with disabilities. It would be sufficient for a student with disabilities candidate to have passed Post-Graduation examination for being eligible. There is no restriction to the effect that a student with disabilities should have cleared NET/ SLET examination for being eligible for receiving RGNF.
(2)	Scheduled Caste welfare schemes	Free coaching - upgradation of merit of SC students	Under Scheduled Castes Development Bureau, Ministry implements Schedules Caste Sub-Plan (SCSP) which is an umbrella strategy to ensure flow of targeted financial and physical benefits from all the general sectors of development for the benefit of Scheduled Castes. Under the strategy, States/ UTs are required to formulate and implement Special Component Plan (SCP) for Scheduled Castes as part of their Annual Plans by earmarking resources. At present 27 States/ UTs having a sizeable SC population is implementing Schedules Caste Sub-Plan. The main objective of the scheme is to upgrade merits of SC students by providing with facilities for all round development through education in Residential School.	Package of ₹ 25,000 per student per year.	Each state may use their own discretion in deciding number and location of schools in different districts/towns on the basis of their illiterate population of SCs.	States/UTs, would forward digitized list of beneficiaries, as prescribed by Central Government, for claiming scholarship amount, to the extent of due central assistance. After the Ministry receives such list, duly authenticated by nominated officer of respective State/UT, it would directly transfer scholarship amount in the bank A/cs of the payees
(3)	NGO working for SC organizations	NGO working for SC organizations	The main objective of the scheme is to involve voluntary sector and training institutions of repute to improve educational and socio-economic conditions of target group, i.e., Scheduled Castes with a view to up-grade skill to enable them to start income generating activities on their own or get gainfully employed in some sector or the other. The principle that good voluntary organizations should not only be assisted but also consciously built up has been guiding spirit behind the formulation of the scheme.	The quantum of assistance shall be determined in each case on merit. The Government of India may, however, meet 90% of approved expenditure on any or all items enumerated. The remaining expenditure is to be met by the concerned voluntary organization from its own sources.	Registered under Societies Registration Act or any relevant Act of the State/Union Territory; or A public trust registered under law for time being in force; or A charitable company licensed under Section 25 of Companies Act or Indian Red Cross Society or its branches. Any other public body or institution having a legal status of its own	An organization desirous to apply for grant-in-aid under this scheme will send its application in relevant prescribed Proforma through an authority or body designated below for this purpose by the Ministry.

XIV. Ministry Of Textiles

S.No	Related Schemes for Enterprise Development (Direct/ Indirect)	Related Scheme	Description	Nature of assistance	Who can apply?	How to apply?
1		Additional grant for Apparel Manufacturing units under scheme for Integrated Textile Park (SITP)	To provide the industry with world-class state of art infrastructure facilities for setting up their textile units. This facilitates textile units to meet international environmental and social standards. Targets industrial clusters/ locations with high growth potential, which require strategic interventions by way of providing world-class infrastructure support. The project cost will cover common infrastructure and buildings for production/ support activities (including textiles engineering, accessories. packaging).	The assistance of GoI would be limited to 40% of proposed project cost, not exceeding ₹10 crores for each park. Thus SPVs intending to avail ₹10 crores of grant assistance would need to invest ₹15 crores (through equity/ loans/ other sources) in the ratio of 40:60. SPVs to upfront bring in 10% of their proposed contribution in escrow account.	Industry associations/ Groups of entrepreneurs would be main promoters of ITPs. At each ITP, there would be a separate Special Purpose Vehicle (SPV) formed with representatives of local industry, financial institutions, State and Central Government. SPV shall be a Corporate Body registered under Companies Act	SPV should submit proposal to project scrutiny committee. SPV will be facilitated by Project Management Consultant in submission of the project.
(2)		Free coaching - upgradation of merit of SC studentsCatalytic Development Programme (CDP) in Project Mode	This consists of various components and sub-components under mulberry, vanya and post-cocoon sectors. The packages under CDP cover three major areas viz., mulberry, vanya (non-mulberry) and post-cocoon sectors to be supplemented by other components of support services. The programme catalyses efforts of State Governments to improve quality, productivity and production of raw silk, besides generating employment opportunities, particularly in rural areas.	Funds will be provided to State Government & Implementing agencies based on the project. Preference may be given to cover more small and marginal farmers. The State Govts. shall take the responsibility of arranging credit facilities from banks / financial institutions wherever applicable. For this purpose, if the beneficiaries are organized into SHGs, then the banks / financial institutions may come forward for providing credit facilities. One beneficiary can avail the assistance upto two ha. for Plantation development with supporting components of CDP. However, for group activity or for Seri Business Enterprise, depending on the nature of the proposal, additional assistance can be recommended by the State, on prorata basis for larger rearing house, rearing equipments, farm mechanization and related components. This can be replicated in Vanya and Post Cocoon sectors also.	Central Silk Board will implement scheme in collaboration with State Governments, Non- Governmental Organizations (NGOs), Community Based Organizations (CBOs), Self Help Groups (SHGs), Special Purpose Vehicles (SPVs), co-operatives and other para statal bodies identified by states.	In order to seek assistance from CDP, states shall have to prepare a DPR. Project Monitoring Committee at state level headed by Commissioner/ Director of Sericulture of concerned state shall formulate/discuss project proposals and forward to zonal committee for scrutiny by the Working Group of sectoral experts and recommend to AMC for approval and release of funds. Apex Monitoring Committee would discuss and approve proposals for release of funds for implementation of CDP components based on progress achieved
(3)	Development Commissioner (Handlooms)	Comprehensive Handloom Cluster Development Scheme (CHCDS) – Mega Handloom Cluster (12th Plan)	The objective is to develop clusters that are located in clearly identifiable geographical locations that specialize in specific products, with close linkages and inter dependents amongst key players in the cluster by improving infrastructure facilities, with better storage facilities, technology upgradation in pre-loom/ onloom/ post-loom operations, weaving shed, skill upgradation, design inputs, health facilities, etc., which would eventually be able to meet discerning and changing market demands both at domestic and at international level and raise living standards of the millions of weavers engaged in the handloom industry.	Assistance is provided for development of common infrastructure (Basic & Technical) to improve quality of life of weavers Assistance would be given under the scheme for modernization/ upgradation of the pre-loom, on-loom and accessories. The share of assistance by GOI is upto 80% (excluding land cost) and the remaining 20% by the SPV/ beneficiaries/ stakeholders/ State Govt. However, the contribution of the State Government will not exceed 10%	A multi stakeholder cluster level legal entity, preferably a company registered under the Companies Act will be set up for each of the clusters. It will be the recipient of grant support from Ministry of Textiles and other agencies. Such SPV shall be responsible for ownership, execution and management of interventions/facilities created under the project. The majority of equity of such SPV shall be with weavers/ artisans/ craftsmen/ entrepreneurs/exporters of cluster and/ or their associations/ cooperatives/ federations/SHGs. The remaining stake will be held by strategic investors such as buyers, retail chain houses, large scale processing units, banks, financial institutions, Central/ State Government or their agencies, etc., can be stakeholders whose share of equity will not exceed 40%. However, individual stake shall not exceed 26%. There shall be one or more than one SPV (a legal entity) in a cluster as the case may be, for speedy & effective implementation of programme	The mega-cluster development project, wherever felt necessary, with the approval of Project Approval and Monitoring Committee (PAMC) will be implemented through the State/ Central Government agency/any other agency. In case, the project is to be implemented by Weavers’ Service Centres (WSCs)/Indian Institutes of Handloom Technology (IIHTs), entire funding of project, including land cost will be borne by Government of India
(4)		Comprehensive Handlooms Development Scheme (CHDS)	Scheme has been formulated by merging all the major components of schemes namely Integrated Handlooms Development Schemes (IHDS), Marketing and Export Promotion Scheme (MEPS) and Diversified Handloom Development Scheme (DHDS) implemented which is one of the components of National Handloom Development Programme (NHDP) for its implementation. The scheme will follow need based approach for integrated and holistic development of handlooms and welfare of handloom weavers.	Financial assistance per cluster based on the no. of handlooms (300-500 and 5000 above) for various components covered under the scheme The scheme will support weavers, both within and outside cooperative fold including self help groups, NGOs, etc., towards raw material, design inputs, technology up-gradation, marketing support through exhibitions, create permanent infrastructure in the form of Urban Haats, marketing complexes, setting up of Weavers Service Centre (WSCs) and Indian Institutes of Handlooms Technology (IIHTs), development of web portal for e-marketing of handloom products, etc. For consolidation of these clusters, financial assistance will be provided for implementing various interventions. Financial assistance towards hard interventions like technological upgradation will be shared in percentage ratios by State and Central Government (GoI).	Agencies eligible to implement consolidation of existing clusters and new clusters are as follows: State Directorate of Handlooms & Textiles/Industries (where handlooms are under their control) National Level Handloom Organizations State Handloom Development Corporations State Apex Handloom Weavers Co-operative Societies Central Government Organizations Non Government Organizations, engaged in handlooms {(recommended by State Govt. and approved by DC (Handlooms)} Any other organization, engaged in handlooms (recommended by State Govt. and approved by DC (Handlooms)}	Development of each cluster will be done by Implementing Agency through State Government concerned as a Centrally Sponsored scheme in a project mode. State Government will invite proposals/projects from Implementing Agencies. Project report will comprise baseline survey, diagnostic study report and a concrete action plan for the first year and tentative action plan for the second, third and fourth years. Project report will be considered by a State Level Project Committee (SLPC), headed by State Commissioner/Director of Handlooms concerned for scrutiny, verification, etc
(5)		Yarn Supply Scheme	Scheme has three components, namely, (i) Supply of yarn at mill gate price (ii) 10% Price subsidy on the cotton hank yarn, domestic silk and wool (iii) Investment in NHDC	A mobile van could be operated for 20 days in a month by agency. Reimbursement on running mobile vans will be at ₹1,500 per day or actual expenditure, whichever amount is less. Mobile van may also be utilized for procurement of handloom clothes and to that extent expenditure would be included within overall ceiling given above. Expenditure for operation of mobile vans will be reimbursed to agencies by NHDC. NHDC will be reimbursed this amount based on actuals along with reimbursement as per guideline on receipt of audited claim along with regular reimbursement of freight charges. Reimbursement to NHDC for operation of mobile van, in addition to flat rate of assistance mentioned, will be limited to a maximum of ₹36 lakh per year	National Handloom Development Corporation (NHDC) will be sole implementing agency	Submit a proposal in prescribed format to NHDC
(6)		Pashmina Wool Development scheme	India produces finest Pashmina (Cashmere) wool in the world, coming from Changthang plateau of Ladakh region of J&K state. Pashmina wool is produced by Changra (Pashmina) goat in Ladakh and Chegu breed of goat in eastern parts of Himalayas. There are 2.45 lakhs goat (2 lakh Changra & Malra goat which produce Pashmina) in Ladakh, many local type of Non-Pashmina goats are also found (nearly 45,000) which come from same larger genetic pool and contributes little to the total Pashmina production of the region. The scheme is designed to make a meaningful intervention given the potential of this area to produce Pashmina of fine quality	Distribution of high quality Pashmina bucks: Provide 800 bucks to selected Pashmina breeders at ₹5,000 per buck in 4 years Assistance for foundation stock in new areas for Pashmina rearing activities: Provide 48 females + 2 males Pashmina goats under one unit to selected progressive farmer at ₹5,000 animal. Benefit 36 breeders in 4 years at ₹2.50 lakh per unit. Health coverage: At ₹18 animal for 4 years coverage. To benefit total 2 lakh Pashmina goat every year Strengthening of existing fodder bank/ Farms of LAHDC: 3 banks/ farms at ₹25 lakh per site with provision of storage hall and mini feed plant to use local material Strengthening of existing Pashmina Goat Breeding Farm: 3 existing farms at ₹25 lakh per farm Buck exchange programme : Exchange 600 animals at ₹2,000 per buck in 4 years project period Establishment of Multipurpose Extension Centre (MPEC): Construction of MPEC with cost of ₹200 lakh each centre for construction of community buildings/ halls for stay of nomads and shelter/ fencing cover for Pashmina goats with other facilities like storage tank for drinking water, storage room for feed, fuel and firewood, medical help, fencing & shelter for goats, distribution of feed supplement, etc. To set up 3 MPEC, total ₹600 lakh has been proposed during 12th plan under this component. Establishment of Pasture farm on migratory routes: Establishment of pasture farm for grazing of pashmina goats on migratory routes on land allotted by State Govt. by fencing/ borewell, channeling, drip/ sprinkle irrigation system, installation of solar pumps, and storage building, agricultural equipments and other general amenities for with approx. cost of ₹267 lakh each site. It is proposed to establish total 3 sites on different migratory routes with total financial provision of ₹801 lakh during 12th Plan period Feed supplement: To benefit 40,000 eligible Pashmina goat for 150 days annually during severe cold period at ₹5 goat during project period of 4 years in Ladakh region Assistance for setting up Pashmina goat pens for protecting flocks: At ₹15,000 per unit (15 mtr. X 15 mtr. size) or actual cost of material whichever is less. Total 800 pens in 4 years. Assistance for providing ‘Portable Tents, Snow-boots, Torch and Goggles’: At ₹15,000 per breeder to 800 families in four years. Distribution of improved Pashmina combs for efficient harvesting of Pashmina: 1,500 combs at ₹400 comb will be distributed in 4 years (about 2 combs per family). Training programme/ Breeder orientation training camp: Provides two combs to each beneficiary with financial assistance of ₹400 comb approximately (depending upon the size and shape of comb) as Pashmina combs undergo design changes and also need replacement Training programme/ Breeder orientation training camp: Camps will be organized by District Sheep Husbandry Deptt., LAHDC. An amount of ₹30,000 per camp shall be required for transportation/ POL, honorarium to subject experts, reimbursement of travelling charges to Pashmina nomads/ trainees, camp arrangement expenses, stationery & publicity material, etc. Upgradation of the existing Pashmina de-hairing plant at Leh Total financial provision of ₹600 lakh to strengthen de-hairing plant by installing some new machineries for utilization of plant with its full capacity Research & Development/ Consultancy: Total financial provision of ₹105 lakh for R&D/ Consultancy project would be conducted through concerned reputed institutions/ agency. Overhead expenses: Overhead expenses at ₹10 per goat per year to implementing agency. Total Pashmina goat 2 lakh and 4 years project period.	The scheme will be operative in Leh and Kargil area of Ladhak region of J&K state and will benefit existing Pashmina wool growers and unemployed youth people from the area. Project will be implemented by State Government organization/ Ladakh Autonomous Hill Development Council, Leh and Kargil/ Universities working in research on Pashmina goat.	Proposal would be submitted by Ladakh Autonomous Hill Development Council (LAHDC)/Leh
(7)	Development Commissioner (Handicrafts)	Design and Technology Upgradation	To provide design & technology related inputs including skill upgradation to the handicraft artisans to improve their productivity, quality and better marketability of their products The objectives of the scheme are: Provide adequate support to sponsored institutions Up-gradation of artisans through design and technology intervention in order to develop new designs and prototypes Give practicing craftsmen exposure to developments taking place in the field of design & technology. Market intelligence, management of skills, packaging supply of improved tools and equipment Give recognition to master crafts persons for their outstanding contribution to handicrafts sector and to encourage them to preserve crafts tradition and maintain excellence. Create awareness about rich crafts tradition amongst general public The scheme has components of: Craft awareness programme Financial assistance for supply of tools, safety equipments, etc. Design and technology development workshop Integrated design and technology development project Shilp Guru award, National award & National merit certificate for outstanding contribution in handicrafts sector Assistance to exporter and entrepreneur for design prototype Commercial market intelligence by way of design, trend and technical color forecast	Craft awareness programme: Assistance upto ₹1 lakh sanctioned per activity which cover TA & wage compensation/ stipend for participants, faculty charges, transport charges for visiting faculty, course materials, cost of raw material, freight, etc. Assistance shall be in the form of 100% grant-in-aid by O/o DC (H) Financial assistance for supply of tools, safety equipments, etc. The assistance will be upto a maximum of ₹10,000 per kit per person depending on the craft practiced. Assistance shall be in the form of 100% grant-in-aid by O/o DC (H) Design and technology development workshop: The total financial ceiling is maximum of ₹3 lakh Assistance shall be in the form of 100% grant-in-aid by O/o DC(H) Integrated design and technology development project Shilp guru award, national award & national merit certificate for outstanding contribution in handicrafts sector: Gold medal, ₹2 lakh and Tamra patra for Shilp guru ₹1 lakh and Tamra patra for national awardee ₹75,000 for merit certificates In addition, Shilp guru will create two replicas of the masterpiece for which award have been given. An assistance upto ₹2 lakhs given for replica as 100% grant by the Office of DC (H) per Shilp guru, subject to actuals. ₹20,000 towards rail travel assistance for Shilp guru and National awardee Assistance to exporter and entrepreneur for design prototype Financial assistance of upto 40% of designer fee upto a maximum of ₹ 20,000 per month. Commercial market intelligence by way of design, trend and technical color forecast: Assistance will be provided with a maximum grant of upto ₹10 lakh The components are: Cost of designing & artwork, cost of printing of copies of trends book, preparation of copies of CD with cover for soft copy of trends book and miscellaneous expenses, etc	Eligible organization includes Central and State Handicrafts Corporations, other institutions and organizations under central and state governments, COHANDS, NGO’s and Apex cooperative societies	The Office of DC (HC) Regional Director/ Asstt. Director
(8)		Babasaheb Ambedkar Hastshilp Vikas Yojana	Handicrafts constitute an important segment of decentralized/ Unorganized sector. It is mainly a rural based sector which has its reach in backward and inaccessible areas. Originally, handicraft started as a part time activity in the rural areas, however, it has now transformed into a flourishing economic activity due to significant market demand over the years. Presently, handicraft sector is contributing substantially towards employment generation and exports, but this sector has suffered due to its unorganized nature along with additional constraints like lack of education, capital, and poor exposure to new technologies, absence of market intelligence and poor institutional framework. In order to overcome this, BAHVY as a Centre Plan scheme was launched wherein the main thrust was on adapting project wise, need based approach for integrated development of potential handicrafts clusters with the participation of craft persons at all stages of implementation. The overall objective is about socio-economic empowerment of artisans and their sustainability. The package of support under AHVY can be clubbed under the following five parts which have some components :- Part I: Social Interventions Part II: Technological Interventions Part III: Marketing Interventions Part IV: Financial Interventions Part V: Cluster Specific Infrastructure Related Interventions	I: Social Interventions Part II: Technological Interventions Part III: Marketing Interventions Part IV: Financial Interventions Part V: Cluster Specific Infrastructure Related Interventions	Eligible organizations (overall at the scheme level): Societies, Cooperatives, Apex Cooperative Societies, Trusts and organization like COHANDS, EPCH, CEPC, MHSC, IICT, NCDPD, NIFT, NID, University Department, DRDA, ni-msme, EDIs and other similar bodies. Central/State Handloom and Handicrafts Development Corporations and other Government corporations/agencies promoted by the State Government or organization promoted by financial institutions/banks. Organizations registered under section 25 of the Company Act (Non- profit), etc. Organizations registered under the proper statute of state/ central Government for sustainable development of identifying craft clusters	The Office of DC (HC) Regional Director/ Asstt. Director
(9)		Human Resource Development (HRD) Scheme	The scheme has been formulated to provide qualified and trained workforce to handicraft sector. This workforce shall contribute to a strong production base leading to the production of high quality products that cater to present day market requirements. This scheme also aims to create human capital for the sector in terms of a trained cadre of designers for the handicrafts by providing relevant inputs through its components. There is also a provision made for imparting soft skill considered necessary for artisans to enable them to undertake their own business successfully. The scheme has the following five components: 1. Training through established institutions 2. Handicrafts training programme 3. Training through Guru Shishya Parampara 4. Training of the trainers Design mentorship and apprentice programme	The assistance shall be in the form of capital grant and training grant. Total cost for 5 year per institute will be maximum ₹1.45 crore (capital grant and training grant combined together). One time capital grant of ₹25 lakh will be provided for the plan period. This grant can be used for purchase of machineries, equipment, furniture and fixtures, computers and related hardware and software, books and periodicals, etc., be provided subject to a maximum of ₹24 lakh per year. The assistance shall be in the form of 100% grant-in-aid by O/o DC (H)	Vocational training institutions, Industrial Training Institutes (ITI), polytechnics, technical and other institutes recognized by central Government/ concerned State Government/ universities and such other affiliating bodies. Other organizations which are imparting vocational trainings of the Ministries of Central Government. Central and State Handicrafts Corporations, other institutions and organizations under central and state governments, COHANDS, EPCH, CEPC, NCDPD, IICT, MHSC and apex cooperative societies. NGOs (registered under the society act/trust act, etc.) having experience in vocational training of minimum 50 persons per year for at least three years either directly or through a institution run by the NGO	The Office of DC (HC) Regional Director/ Asstt. Director

XV. Ministry Of Tourism

S.No	Related Scheme	Description	Nature of assistance	Who can apply?	How to apply?
1	Time Share Resorts	Guidelines for project approval and classification of timeshare resorts. TSR becoming popular for leisure holidays and family holidays, etc. To provide standardized world class services to tourists, voluntary scheme for classification of fully operational TSR in categories - 5, 4 and 3 star.	Recognition	Time share resorts	Hotel and Restaurants Division, Ministry of Tourism, Government of India, C-I Hutments, Dalhousie Road, New Delhi - 110011.
(2)	Tented Accommodation	Increasing demand for eco, adventure, wildlife and pilgrimage tourism involves staying in remote areas, forests, deserts and riversides. There is shortage of accommodation, especially in remote areas. Moreover, permanent construction may either not be permissible or feasible. To meet the demand, camping facilities and tented accommodation to be developed. Promote and facilitate setting up of camp sites necessitates quality, standards and safety norms. Voluntary scheme for project approval and classification of operational tented accommodation in categories - Standard, Deluxe	Hotel & Restaurant Approval & Classification Committee (HRACC) inspect and assess tented accommodation based on facilities and services offered. Classified tented accommodation/ approved projects may be eligible for various concessions and facilities besides getting worldwide publicity	Owners of tented accommodation.	HRACC, Hotel & Restaurant Division, Ministry of Tourism, Government of India, C-1, Hutments, Dalhousie Road, New Delhi– 110011
(i)	Motels Accommodation	Motels provide budget accommodation. Motels cater to hospitality requirements of road travelers through facilities and services. The aim is benchmarking standards of facilities and services of motels, formulated a voluntary scheme for approval of motel projects	Hotel & Restaurant Approval & Classification Committee (HRACC) would assess motel projects based on facilities and services offered and motel projects would be approved at implementation stage	Owners of motel accommodation	HRACC, Hotel & Restaurant Division, Ministry of Tourism, Government of India, C-1, Hutments, Dalhousie Road, New Delhi– 110011
(ii)	Hotels Accommodation	The scheme is for granting approval to hotel projects from the point of view of suitability for international tourists. A classification committee classifies functioning hotels under star system into six categories from one star to five star deluxe	Recognition	Hotels for accommodation	HRACC, Hotel & Restaurant Division, Ministry of Tourism, Government of India, C-1, Hutments, Dalhousie Road, New Delhi– 110011
(3)	Travel trade	Online for E-recognition of travel trade service providers	Scheme is meant for approving travel agents, tour operators, adventure tour operators and tourist transport operators. The purpose is to encourage quality, standard and service in these categories to promote tourism.	Travel agents: arranging tickets, accommodation, tours, entertainment and other tourism related services. Inbound tour operators: arranging transport, accommodation, sightseeing, entertainment and other tourism related services for foreign tourists. Tourist transport operators: providing transport like cars, coaches, boats, etc., to tourists for transfers, sightseeing and journeys to tourist places, etc. Adventure tour operators: engaged in water sports, aero sports, mountaineering, trekking and safaries, etc. In addition, arranging transport, accommodation, etc. Domestic tour operators: arranging transport, accommodation, sightseeing, entertainment and other tourism related services	Travel Trade Division, Ministry of Tourism, C-1 Hutments, Dalhousie Road, New Delhi - 110011
(4)	Capacity building for service providers (Institutes)	Professional expertise is required for specialized vocations. Food Craft Institutes (FCIs) and Institute of Hotel Management (IHMs) provide technical training. Indian Institute of Tourism and Travel Management trains persons for taking up professions in travel and tourism. Tourism service providers are both in approved/ organized and unorganized sector. FCIs and IHMs cater mainly to organized sector, i.e., Hotels and Restaurants. Large number of persons engaged in unorganized sector, such as small hotels, road side eating places, ticketing/travel agencies, dhabas, etc. Staff at bus/ railway stations, police personnel, immigration staff at airports, coolies, taxi/ coach drivers, staff at monuments, guides, etc., engaged in other professions but come in contact with tourist. The scheme was formulated to provide certain inputs for improving their behavior and service levels. The inputs are: health and personal hygiene, cleanliness, basic service techniques, cooking techniques, garbage disposal, etiquette and basic manners, basic nutritional values, energy saving and basic tourism awareness, communication skills, behavior skills, first aid, client handling and behavior skills, etc. The duration of the course ranges from 4 days to 6 days	Financial support for capacity building programmes	Institutions conducting training using their own infrastructures in their own premises or are providing training on site of service providers. In case of FCIs and IHMs faculty and students are being used widely.
(5)	Marketing Development Assistance (MDA)	Scheme provides financial support to approved tourism service providers for undertaking tourism promotional activities abroad	Participation in approved Medical/ Tourism fairs/Medical conferences/ Wellness conferences/ Wellness fairs and Road shows upto ₹ 2 lakhs will be provided	Tourism service providers, viz., hoteliers, travel agents, tour operators, tourist transport operators approved by the Ministry and in case of North-Eastern states and Jammu and Kashmir, approved by the concerned State Tourism Departments. Scheme is for medical tourism/wellness tourism service providers	The application shall be submitted to Joint Secretary (Tourism), Ministry of Tourism, Transport Bhawan, Sansad Marg, New Delhi, in the prescribed format with required documents.
(6)	Publicity and Marketing	All matters pertaining to printing of posters, brochures, banners, etc.; release of advertisement (print as well as electronic); organizing events; information technology up-gradation is carried out. Publicity information material: brochures, leaflets, maps, films, CDs, etc., on various topics. In destination folders gives information about a place or destination with various facets of facilities available, sightseeing around the place, important telephone numbers and contact points. Films dealing with the subject in its entirety covering all destinations of country. Documents are: Incredible India theme brochure, destination leaflets, heritage destination leaflets, posters on different subjects and themes, maps, films. Tourism and tourism related events.	Support for marketing / publicity activities.	Financial support to commerce, trade and industry organization for organizing tourism and tourism related events	Publicity, Events and Information Technology, Ministry of Tourism, C-1 Hutments, Dalhousie Road, New Delhi - 110011
(7)	Refresher courses for Regional level guides	Total training duration will be 12 days with viva on the last day	Training	Guides	Indian Institute of Tourism and Travel Management, Ministry of Tourism, Government of India, Govindpuri, Gwalior – 474 01, Madhya Pradesh
(8)	Rahul Sankrityayan Paryatan Puraskar Yojna	The objective of this scheme is to encourage original book writing in Hindi on Indian tourism related subjects. Awarding books written originally in Hindi on tourism related subjects. Subjects related to tourism i.e., adventure, sports, beach, wildlife, mountaineering, trekking, hill tourism, water sports, holiday and leisure, etc; travelogue and travel industry related with tourism; hotel industry, hotel management, applied nutrition & catering technology; tourist places of India and facilities available/to be made available there and tourism infrastructural facilities and potential of tourism promotion; maintenance and preservation of historical and cultural-heritage; recreational facilities made available to tourists and related creative suggestions; tourist related statistics, scheme-wise budget and measures for tourism promotion; organizing of national and international fairs, festivals, exhibitions, conferences and conventions and description of facilities available/to be made available; components helpful in increasing tourist arrival i.e., rules related to travel agents, tour operators, tourist car operators and hoteliers, their implementation and suggestions thereof; any other subjects related to tourism, etc., except mentioned above; and Indian archaeology such as monuments and their maintenance, epigraphs, museums and excavation, etc., and any other subject related to archaeological importance. And these should be of minimum 100 pages excluding enclosures. Book should not be a publication written under any Government contract or under any Government scheme	Details of this scheme can be downloaded from website i.e. www.tourism.gov.in. Any other information can be obtained on Phone:23015594	Any citizen of India including in service and retired officers/ employees of Ministry of Tourism and ASI can participate.	In prescribed format/application through Ministry, Room No.18, C-I, Hutments, Dalhousie Road, New Delhi – 110011
(9)	Stand-alone Restaurants	Restaurants are an integral part of tourists visit to a place and as such the services offered can make or mar; both domestic and foreign as they intend to enjoy taste of authentic food. Particularly cuisine of different states of the country. With the aim of providing standardized world class services to tourist the schemes for approval of restaurants has been introduced.	Independent restaurants will be outside the hotels and should have more than 30 seats.	Existing small and medium businesses	In prescribed format/ application through Regional Director, India Tourism Office, Ministry of Tourism, New Delhi.
(10)	Hunar-Se-Rozgar Tak-Sena Ke Sahyog Se (A training programme in tie-up with the Army to create employable skills)	To take initiative forward in a synergy of efforts of designated hospitality institutes and army units. The intended outcome: accessing and availing training infrastructure under army, and enriching initiative by a sub-stream of trained persons imbibed with spirit of military discipline and hardiness. Implemented by specifically designated Institutes of Hotel Management (IHMs) as off-campus academic effort. The indicated army units will be co-implementers.	Army unit provides two sets of uniform at a cost not exceeding ₹1,900. Provides lunch to trainees @ ₹70 per day per trainee. Lodging free of cost, expenditure shall not exceed ₹ 2,000 per trainee	Persons in age group of 18 to 28 years and minimum eighth pass.	A six week course in food & beverage service, and eight week course in food production. There will be no application or course fees. Stipend of ₹1,500 for food & beverage course and ₹2,000 for food production course. HRD Division, Ministry of Tourism, Government of India.

XVI. Ministry Of Tribal Affairs

National Scheduled Tribes Finance & Development Corporation

S.No	Related Scheme	Description	Nature of assistance	Who can apply?	How to apply?
1	Adivasi Mahila Sashaktikaran Yojana	An exclusive concessional scheme for the economic development of eligible Scheduled Tribe Women.	Term Loan for Scheme(s)/Project(s) costing up to ₹50,000 per unit/ profit centre. NSTFDC provides term loan up to 90% of the cost of the Scheme(s)/ Project(s) subject to the condition that the SCAs contribute their share of loan as per their scheme and provide the eligible subsidy. The SCAs may endeavor to tie-up financial assistance from other sources if any. NSTFDC charges highly concessional interest at 2% p.a. from the SCAs. The SCAs may charge a maximum interest at 4% p.a. from the ultimate women beneficiaries. (a) The loan is to be repaid in quarterly/ half yearly instalments as the case may be within a maximum period of 10 years including suitable moratorium period. (b) The repayment period of the scheme is fixed by NSTFDC based on nature of activity and cash generating capacity of unit. (c) SCAs are allowed extra repayment period of one year over and above the repayment period allowed to the beneficiaries.	Scheduled Tribe Women	Persons belonging to ST community desirous of availing loan under NSTFDC schemes may approach district offices of State Channelizing Agency of NSTFDC for guidance and filing of their loan applications.
(2)	Tribal Forest Dwellers Empowerment Scheme	Govt. of India has enacted the Scheduled Tribes and other Traditional Forest Dwellers (Recognition of Forest Rights) Act, 2006. Under this act, Scheduled Tribes and other Traditional Forest Dwellers have been given the right to hold the forest land for habitation and/ or for self-cultivation or for any other traditional activity for generating livelihood. The objective of the Tribal Forest Dwellers Empowerment Scheme is to generate awareness, provide training to beneficiaries, give NSTFDC’s concessional financial assistance, assist in market linkage, etc. to the Scheduled Tribes Forest Dwellers for facilitating productive utilization of land. A Scheduled Tribe, who has received land right under the Forest Rights Act, 2006 is eligible for availing financial assistance under this scheme.	Unit cost of the scheme can be upto ₹ 1 Lakh. Upto 90% assistance from NSTFDC as concessional loan and the balance by way of promoters’ contribution/ margin money/ subsidy. Rate of Interest: 6% p.a. chargeable from beneficiary. The loan is to be repaid in quarterly installments within a maximum period of 5 years, including a moratorium period of six months.	Scheduled Tribes and other Traditional Forest Dwellers	Persons belonging to ST community desirous of availing loan under NSTFDC schemes may approach district offices of State Channelizing Agency of NSTFDC for guidance and filing of their loan applications.
(3)	Micro Credit Scheme (MCS) For Self Help Groups (SHGs)	This Scheme is meant to provide small loans to the eligible Scheduled Tribes for undertaking Self Employment Ventures/ Activities only through the existing profit making Self Help Groups.	a) NSTFDC provides loans upto ₹ 35,000 per Member and maximum ₹ 5 lakh per SHG. SCAs shall provide eligible amount of Margin Money/ Subsidy as per their norms for the target group and remaining amount may be provided as Term Loan by NSTFDC. b) NSTFDC may provide upto 100% of the funds required as Term Loan in case the SCA is/are not able to provide Margin Money/Subsidy loan. a) NSTFDC to SCAs: NSTFDC shall charge interest from the SCAs @ 3% p.a. b) SCAs to SHGs: SCAs shall charge interest at the rate of 6% p.a. from the eligible Self Help Groups. c) SHGs to Members: Members of respective SHGs to decide the rate of interest to be charged by SHGs from its member but not exceeding 15% p.a.	Scheduled Tribes and other Traditional Forest Dwellers	Persons belonging to ST community desirous of availing loan under NSTFDC schemes may approach district offices of the State Channelizing Agency of NSTFDC for guidance and filing of their loan applications.

XVII. Ministry of Urban Development

S.No	Related Scheme	Description	Nature of assistance	Who can apply?	How to apply?
(1)	National Urban Information System (NUIS)	NUIS Scheme is established with a view to have a comprehensive information system in the urban local bodies for planning, management and de-centralized governance in the context of provisions of scientific planning and implementation.	Financial aid of average ₹.48 lakhs per town for 137 UAs and towns in three installments i.e., 50%, 40% and 10% as first, second and third installments respectively.	State Level Nodal Agencies to identify 137 UAs and towns in consultation with the State Governments, with due consideration to equitable representation from all States and UTs in the country.	State Level Nodal Agencies for their respective UAs and towns to prepare a detailed Master/Zonal plans to develop application packages.
(2)	North Eastern Region Urban Development Programme (NERUDP)	To improve quality of life of urban residents and enhance urban productivity through improved infrastructure and services, with a view to build capacity for enhanced urban governance, finance and service delivery systems through institutional and financial reforms	Financial aid of ₹1371.4 crores (GoI and Asian Development Bank in a proportion of 30/70) to five states to be used for the described objectives. 90% grant, 10% loan in three phases.	State Government of Five states, Tripura, Mizoram Sikkim, Nagaland, and Meghalaya.	State Government to write directly to the Department of Urban Development department Ministry of Urban Development for approval and sanction of their project proposal.
(3)	Pooled Finance Development Fund Scheme	The main aim of the Government authorities is to provide credit enhancement facilities to Urban Local Bodies (ULBs) based on their credit worthiness. This will enable them to access market borrowings through state- level pooled mechanism.	A state pooled finance entity (SPFE) needs to e established in every state which will be funded by Central Government 75% and State Government 25%. The amount mainly will be used by urban local bodies to access capital and financial market for investment in essential municipal infrastructure.	State pooled finance entity (SPFE) of every state willing to avail the benefit of the scheme.	SPFE to prepare projects that are technically and financially stable and in tune with environmental norms and send it to the Central Government for approval and sanction.

XVIII. Ministry Of Women and Child Development

S.No	Related Schemes for Enterprise Development (Direct/ Indirect)	Related Scheme	Description	Nature of assistance	Who can apply?	How to apply?
(1)	Women Related Schemes - Gender Budgeting scheme	Gender Budgeting (GB) scheme	One of the tools that can be used to promote women’s equality and empowerment is gender-responsive budgeting or gender budgeting. This scheme aims to initiate an integrated approach and guide the Gender Budgeting Cells (GBCs) setup by different Central Ministries/ Departments by disseminating the concept, tools and strategy of GB To coordinate and monitor gender budgeting exercises of GBCs and facilitate gender budgeting analysis. To organize workshops to facilitate capacity building and training for various stakeholders including officials of Central and State Governments, PSUs, corporate sector, PRIs and NGOs, etc. To provide assistance to develop training modules/packages, training material and information booklets and manuals for gender budgeting for all stakeholders Conduct gender based impact analysis, beneficiary needs assessment and beneficiary incidence analysis. Collate and promote best practices on gender budgeting.	The grants for training will be given under two categories: 1. One time GB training - Grants under this category will ordinarily be given for training programme proposals for a period of three days at one time. In exceptional cases the period may be extended, with proper justification. 2. Sustained GB training – Gender budgeting is a continuous process and needs sustained intervention; funds will also be given to Organizations/ agencies/ institutions for conducting a series of workshops, targeting a particular area/group. In such cases too, funds for conducting one workshop will be given for a maximum period of three days. In exceptional cases the period may be extended as the case may be, with proper justification.	Women and Child Welfare Department; State Government Women’s Development Corporations; State Commissions for Women; Women’s Development Centres; Rural (Panchayati Raj Institutions) & Urban Local Bodies; Voluntary Organizations with three years experience after registration; Universities & UGC approved Institutions; Public Sector Undertakings, etc. The organization must have adequate experience in implementing women and child related projects and programmes, etc. It should have facilities, resources and personnel to implement the project for which assistance is sought.
(2)		Support to Training and Employment Programme for Women (STEP)	STEP advocates an integrated package of inputs aiming at the self-reliance and empowerment of women by enhancing their productivity and enabling them to take up income generation activities. The ultimate endeavor of each project should be to develop the group to thrive on a self-sustaining basis in market place with minimal Government support and intervention after the project period is over. The scheme aims at: Mobilizing women in small viable groups and making facilities available through training, Provide access to credit and other inputs. Provide training for skill up-gradation Enable groups of women to take up employment-cum-income generation programmes of their own, or to access wage employment. Provide support services for further improving and employment conditions of women and for access to health care, literacy, legal literacy, and other information.	100% assistance. Project staff and administrative cost. Training-stipend, training of trainers, skill upgradation/ reinforcement, Training-cum-production centers and raw material for training. Support to members for formation of co-operative societies, producers, workers co-operative, leading to formal legal organizations. Support services - Education, general awareness, health care sanitation, nutrition/ crèche facilities for dependent children. Wherever convergences of these services are not available these will be provided as part of the project cost. Marketing support - Marketing/ sales personnel, stock provision and buyers’ credit, godowns, marketing outlets, quality control and managerial support. b) 50% assistance Construction of individual work sheds and production centre not related with training – 50% of the total cost on this component will be borne by the Government of India and 50% to be borne by implementing agency. c) Working capital/raw material requirements Financial assistance will be provided for working capital and raw material in a phased manner, starting with 100% during first year, 50% in second year and 30% of third year of the project. This phrasing is considered essential to minimize the otherwise exorbitant costs and also with the ultimate aim of the STEP project to make these projects self-sufficient or reach them to a status where the beneficiaries of the STEP project will meet their requirements as an individual.	Public Sector Organizations, District Rural Development Agencies, federation, cooperatives and voluntary organization – Non-Public Sector Organizations working in rural areas with legal status as a society registered under societies.

Conclusion

MSME Registration is playing very important role for the small and medium business across India. Numerous surveys show that country’s true economic growth reckoned not just on its large-scale industries and foreign investments but also on its small and medium level industries that also includes various cottage industries operating in India. By looking towards the developing country like India whose economy is basically dependent on agriculture and small-scale industries, applying for MSME registration or SSI Registration could be considered as its backbone. In India, every state has its own tradition and culture which they follow and become eminent in that kind of industry. No doubt that India is a country with its huge stock of natural resources with intense climate variations, so promoting and working in such type of industries on a very large scale is very common among the traders. So Ultimately MSME Registration is a certification which is issued by respective state government department to avail to benefits under the MSME Act. Now from the 2015 government modified the MSME or SSI Registration and it has been changed into the Udyog Aadhar Registration. Although, earlier there is no compulsion to get MSME registration but now Udyam registration is mandatory in India. All the existing enterprises are required to be registered under new process Udyam registration.

It is always advised to do so as it provides lots of benefits to the enterprises registered under MSME Act. It will save you from a lot of inconveniences later on. Businessmen and entrepreneurs usually get this done to utilize the advantages offered under it. The registration process is quite easy and simple. You can easily avail it (provided you have a manufacturing plant or a commercial space where you render services), many businesses opt for it over other registrations. After assigning you the Provisional MSME Certificate and you can begin with your production and even apply for a Permanent Certificate which will add more advantages for you. Always apply for provisional registration at an initial stage of the business. MSME registration is really important for developing the transparency and accountability of the above-mentioned industries, Government of India has basically categorized these industries which are known as MSME- Micro, Small and Medium Enterprises. MSME is actually an authorized body that helps in promoting these industries throughout the country with the help of officially legalized Act. One of the unique advantages of MSME registration is that it authorizes numerous incentives and incentives to industries included under MSMED Act. In order to subscribe under MSME, a MSME registration procedure is mandatory. Apart from the enterprises as mentioned above, some firms, or shop registration or public and private limited companies, LLPs are also eligible to apply for registration under MSME to avail its benefits.

Frequently Asked Questions

1. What is the MSME sector?
- MSME sector means Ministry of Micro, Small & Medium Enterprises which is responsible for promotion and growth of the small scale industry. The investment criterion for every sector is different. To enjoy the benefits of MSME registration, firm registration is important.
2. Is registration compulsory for MSME?
- No, registration is not compulsory for MSME. However, the MSME registration comes with many advantages such as cheaper loans, lower production costs and preference for government tenders. Hence, it is advisable. But now Udyam registration is mandatory in India. All the existing enterprises are required to be registered under new process Udyam registration./li>
3. What is MSME registration certificate?
- MSME registration certificate is proof of being registered as an MSME. The certificate is disbursed when an MSME application gets confirmed.
4. How long is MSME certificate valid?
- MSME certificate is valid till the time the enterprise is operational. However, a provisional MSME certificate is valid for 5 years.
5.What is the difference between Udyog aadhaar and MSME?
- MSME refers to the Micro, Small and Enterprises and Udyog Aadhar is the 12 digit unique identification number for businesses or MSME units that can be availed by going through the Udyog Aadhar registration process. This 12 digit numeric Aadhar figure is required for the MSME registration.r
6. Can an individual register for MSME?
- No, an individual cannot register for MSME, only enterprises and businesses can. However, a one-person enterprise or company is eligible for the MSME registration. The process and fees of the one-person enterprise will be the same as the regular MSME process and fees.
7. What is the purpose of MSME?
- The purpose of the MSME is to help the micro, small and medium enterprises of India in growing further. These enterprises generate the majority of employment, industries and export in the country. Thus, encouraging the MSME to grow will result in the socio-economic development of the country.
8. How to check MSME registration by name?
To check MSME registration by name you will have to:-
- Visit the official MSME registration portal
- Enter 12 digit UAM number and name
- Enter Captcha image for verification
- Click Verify
9. Is MSME updated to Udyam Registration?
- Yes, MSME registration has been replaced with the Udyam Registration. If any micro, small and medium industries want to start any business; they need to do the registration with MSME/Udyam Registration. This registration with MSME/Udyam Registration is completely online. This facility provides the business with a lot of benefits and subsidies.
10. Is aadhar card compulsory?
- Yes. For registration under the Udyam registration, an Aadhaar card is compulsory. In case an applicant is other than the proprietor, the Aadhaar card of the partner and the director will be required.

11. Can existing and new businesses both apply?
- Yes, an existing and new business can apply for MSME/Udyam Registration, provided the existing unit is functioning and meets the threshold limits for registration. UAM Registration has to be re-registered for Udyam registration to avail the benefits of MSME.
12. What is the validity of the certificate?
- There is no expiry of the Udyam Registration Certificate. As long as the entity is ethical and financially healthy there will be no expiry of the certificate.e
13. Can trading companies register under MSME?
- No. MSME covers only manufacturing and service industries. Trading companies are not covered by the scheme. MSME is to support startups with subsidies and benefits, trading companies are just like middlemen, a link between manufacturer and customer. Hence it is not covered under the scheme.
14. Do I need multiple registrations for manufacturing plants in different cities?
- No. The MSME/Udyam Registration Certificate is for a single entity irrespective of multiple branches or plants. However, information about multiple branches or plants must be furnished.
15. How does SSI/MSME help me get a loan from a bank?
- MSMEs are recognized by all the institutions and banks. Special schemes are drafted to recognize them as well. Banks prefer MSMEs instead of normal enterprises to lend loans. The possibility of getting a sanctioned loan is much higher in a case of MSME. Bank loan interest rates will also be lower. There may also be preferential treatment in case of delay in repayment.
16. For how long is an MSME Provisional Registration Certificate (PRC) valid?
- The validation of a PRC is for 5 years and if the unit is still not under operational then you may still re-apply for it. As soon as you start with your operations, you can easily apply for the Permanent License. It is advisable to get a Provisional SSI Registration Certificate (PRC) before starting your operation in your enterprise. The PRC will work smoothly for you and will help you out with particular NOCs and clearances from regulatory bodies.
17. What documents are required for the MSME Provisional Registration Certificate (PRC) application?
- If your business or enterprise is listed under Schedule –III of Industrial Licensing Exemption Notification, then you can easily apply for PRC without an industrial license. Other units must first acquire an industrial license. All the clearances should be obtained by enterprise whether it is statutory or administrative. For example, for a drug license under the drug control order, if required, the PRC is issued based on the application form. No field enquiry is made.
18.What benefits are given to MSME by state and central government?
- Many state governments prefer enterprises which are registered under MSMED Act. Subsidy such as on power, taxes, and much more is offered by state governments. In most of the states, sales tax exemption is provided purchase preferences is given on goods produced. The enterprise may also relish excise exemption scheme and exemption from certain direct taxes in the initial years of your business.
19. How is the value of plant and machinery computed for SSI registration?
- While computing the value of Plant and Machinery, only original value is asked to be taken into account as per the MSME notification. The value of Investment in Plant and Machinery or Equipment is linked with the Income Tax returns filed in the previous years under the Income Tax Act, 1961. In case new enterprise, where no prior ITR is available, the value of investment will be based on self-declaration basis and this relaxation shall end after the 31st March of the financial year in which it files its first ITR. The calculation of investment in Plant and Machinery or Equipment shall be in accordance with the Notification issued by Ministry of Small-Scale Industries dated October 05, 2006.

Frequently Asked Questions

20. What is credit rating and why is it mandatory?
- Credit rating is an estimate to figure out the capability of an enterprise to meet all the financial needs based on the previous year dealings. Although credit rating is not compulsive but it is in the interest of the MSE borrowers to get their credit rating done as it would help in credit pricing of the loans taken by them from banks.
21. What is the support available for collateral free borrowing?
- Certain trust such as Credit Guarantee Fund Trust has been set up by Ministry of MSME, Government of India and SIDBI, so that there won’t be any breakage in the flow of credit to the MSE sector without any interference from the third party. The scheme is solidified on the basis that the lender should give importance to project viability and secure the credit facility purely on the primary security of the assets financed.
  Cluster based approach to lending is intended to provide a full-service approach to cater to the diverse needs of the MSE sector which may be achieved through extending banking services to recognized MSE clusters.
  
  The banks have, therefore, been advised to treat it as a thrust area and increasingly adopt the same for SME financing. Banks are always asked to take appropriate steps so that the flow of credit is smoothly done to the identified clusters of micro and small entrepreneurs from the Minorities Communities residing in the minority concentrated districts of the country. The CGTMSE would provide cover for credit facility up to ₹100 lakh which have been extended by lending institutions without any collateral security. A nominal annual fee is charged by the CGTMSE to avail of the guarantee cover
22. What is the Objective of MSME-1 Form?
- The Objective of MSME-1 Form is furnishing half yearly return with the registrar in respect of outstanding payments to Micro or Small Enterprises
23. Who is required to file MSME- 1 Form?
- All companies, who get supplies of goods or services from micro and small enterprises and whose payments to micro and small enterprise suppliers exceed forty-five days from the date of acceptance or the date of deemed acceptance of the goods or services as per the provisions of section 9 of the Micro, Small and Medium Enterprises Development Act, 2006
24. If agreement terms for payment is 28 days, and payment is made after 28 days?
- If agreement terms for payment is 28 days, and payment is made after 28 days, it is termed as delayed payment and should be reported under MSME-1 Form. If there is a delay in payment, companies will have to mention the reason for such delay in the statement of accounts. The MSME Development Act, 2006 (‘MSMED Act’) strengthens the provisions relating to delayed payments to the Micro, Small and Medium Enterprises(‘MSME’)by specifying the maximum credit period and higher penal interest if delayed beyond that period.
25. If agreement is made to make payment within 60 days between the parties but as on date of filing return the amount is outstanding for more than 45 days but less than 50 days. Whether reporting is required or not?
- In this case, Reporting has to be made as per the rules made thereby and shall be given if the amount is outstanding for more than 45 days..
26. In case, if there is no agreement?
- 15 days criteria will be applicable when there is no agreement (Appointed date as per MSMED Act)/li>
27. If any Supplier is not registered under MSMED Act, 2006 and at the time of Filing return he got status of Micro or Small?
- Reporting should be required to be made for that supplier.

28. How many Entries we can make for vendors in a single form?
- 99 Entries
29. If as on 31.03.2020 No outstanding payment to MSME vendor, but there was delay in payment of some MSME vendor more than 45 days which has been paid on or before 31.03.2020. Whether Company needs to give details of such invoices in the form?
- Companies have to give details of outstanding payment to MSME vendor only on due date i.e. 31.03.2020 Payment has already been made to vendors before 31.03.2020, then company is not required to give details of such transaction in MSME-1. However it doesn’t justify the objective completely but as per the provision of the Act and language of the form MSME 1 it asks for outstanding payments.
30.If entries are more than 99 then what needs to be done?
- Multiple forms can be filed, if entries are more than 99.
31. If Company is under IBC Process – Who is required to file?
- Duty of Resolution Professional is to file it (only Advisable)
32. Who are given Exemption to file MSME-1 Form?
- Medium Enterprises are not required to file.
33. Is there any additional fee (late fee) for delay filing of MSME Form?
- No Fee
34. Is there any statutory filing fee for the filing of MSME Form?
- No Additional Fee
35. What is the Processing Type of this E-form?
- The form will be processed in STP mode.

Frequently Asked Questions

36. What is the Penalty for Non-Filing of Form MSME-1?
- Non-compliance will lead to punishment and penalty under the provision of the Companies Act. As per Penalty Provision of Section 405 (4) of the Companies Act, 2013
37. Is there any provision for grant of composite loans by banks?
- A composite loan limit of Rs.1crore can be sanctioned by banks to enable the MSME entrepreneurs to avail of their working capital and term loan requirement through Single Window in terms of RBI Master Circular on lending to the MSME sector dated July 1, 2010. All scheduled commercial banks have been advised by our circular RPCD.SME&NFS. BC.No.102/06.04.01/2008-09 on May 4, 2009 that the banks which have sanctioned term loan singly or jointly must also sanction working capital (WC) limit singly (or jointly, in the ratio of term loan) to avoid delay in commencement of commercial production thereby ensuring that there are no cases where term loan has been sanctioned and working capital facilities are yet to be sanctioned. These instructions have been reiterated to schedule commercial banks on March 11, 2010.
38. What support is provided by the Ministry for improving manufacturing competitiveness?
- The National Manufacturing Competitiveness Programme (NMCP) is the nodal programme of the Government to develop global competitiveness among Indian MSMEs. The Programme was initiated in 2007-08. This programme targets at enhancing the entire value chain of the MSME sector through the following schemes:
39. What support is provided by the Ministry to improve quality of products produced in MSME sector?
- The TEQUP scheme envisages another activity, namely, Product Quality Certification. The main objective of this scheme is to encourage MSMEs to Acquire Product Certification Licenses from National / International Bodies, thereby improving their competitiveness. The primary objective of this activity is to provide subsidy to MSME units towards the expenditure incurred by them for obtaining product certification licenses from National / International standardization Bodies. Under this Activity, MSME manufacturing units will be provided subsidy to the extent of 75% of the actual expenditure, towards licensing of product to National/International Standards. The maximum GOI assistance allowed per MSME is ₹1.5 lakh for obtaining product licensing /Marking to National Standards and ₹ 2.0 lakh for obtaining product licensing /Marking to International standards. One MSME unit can apply only once under the scheme period.
40. Whether there is any scheme for assisting MSMEs for Intellectual Property Rights?
- Under the National Manufacturing Competitiveness Programme (NMCP) to enhance the competitiveness of the SMEs sector, O/o DC (MSME) is implementing a scheme “Building Awareness on Intellectual Property Rights (IPR)” for the MSME. The objective of the scheme is to enhance awareness of MSME about Intellectual Property Rights (IPRs) to take measure for the protecting their ideas and business strategies. Accordingly, to enable the MSME sector to face the present challenges of liberalization, various activities on IPR are being implemented under this scheme.
41. What are the guidelines for delayed payment of dues to the MSE borrowers?
- With the enactment of the Micro, Small and Medium Enterprises Development (MSMED), Act 2006, for the goods and services supplied by the MSME units, payments have to be made by the buyers as under: The buyer is to make payment on or before the date agreed on between him and the supplier in writing or, in case of no agreement, before the appointed day. The agreement between seller and buyer shall not exceed more than 45 days. If the buyer fails to make payment of the amount to the supplier, he shall be liable to pay compound interest with monthly rests to the supplier on the amount from the appointed day or, on the date agreed on, at three times of the Bank Rate notified by Reserve Bank. For any goods supplied or services rendered by the supplier, the buyer shall be liable to pay the interest as advised at above. In case of dispute with regard to any amount due, a reference shall be made to the Micro and Small Enterprises Facilitation Council, constituted by the respective State Government. To take care of the payment obligations of large corporate borrowers to MSEs, banks have been advised that while sanctioning/renewing credit limits to their large corporate borrowers (i.e. borrowers enjoying working capital limits of ₹10 crore and above from the banking system), to fix separate sub-limits, within the overall limits, specifically for meeting payment obligations in respect of purchases from MSEs either on cash basis or on bill basis. Banks are also advised by RBI to closely monitor the operations in the sub-limits, particularly with reference to their corporate borrowers’ dues to MSE units by ascertaining periodically from their corporate borrowers, the extent of their dues to MSE suppliers and ensuring that the corporate pay off such dues before the ‘appointed day’ /agreed date by using the balance available in the sub-limit so created.
42. How to Apply for Online Udyam Registration?
- For online registration, Udyam registration is done in a simple procedure. In the interest of environment no physical copy of MSME Certificate will be issued. At present Aadhaar Number is mandatory for issuance of MSME Certificate
43. What are the documents required for Udyam Registration?
- PAN of Entity and its Authorized Signatory(ies);
- Aadhaar number
- Proprietors – Proprietorship firm;
- Partnership – Managing partner
- Hindu Undivided Family (HUF)– Karta
- Company or a Limited Liability Partnership or a Cooperative Society or a Society or a Trust – Authorized signatory
- E-mail ID and Mobile No. of Enterprise and person mentioned abovey
- Plant Address and Office Address.
- Bank Details viz. Account Number, IFSC code.
- Miscellaneous Information viz. Social Category, Business Activity code, No. of employees etc.

44. What is the Difference between Udyog Aadhaar and Udyam registration?
- The Indian government presented a few business conspires and changed the business meaning of MSME. As of late, Govt gave the new Udyam Registration Portal, which is the MSME Department's another activity to enlist the new route for enrollment of MSME or Udyog Aadhar. The main objective to introduce the Udyam registration is to simplify the registration process and reduce the time consumption. Now the small scale business can easily register themselves under Micro Small Medium Enterprise or MSME. Udyam registration is the replacement of the old process of the Udyog Aadhaar registration for registering under MSME. Earlier the Udyog aadhaar registration process was confusing and time consuming as there were many categories and multiple pages to go through. It required lots of paperwork, and to upload documents on the portal. Whereas for Udyam it is the single window, paperless process, no additional documents or certificates required in order to register under MSME
45. Who are eligible for registration as Micro, Small & Medium Enterprise?
- Any person who intends to establish a micro, small, medium enterprise may apply online MSME / Udyog Aadhaar registration. Someone who belongs to Proprietorship, Hindu Undivided Family (HUF), One Person Company (OPC), Partnership Business, Limited Liability Partnership (LLP), Private Limited or Limited Company, Co-operative Societies or any other group of individuals can easily apply for Micro, Small & Medium Enterprise. The purpose to include all wide categories of enterprises for registration under this Act is to ensure that the benefits offered by Government reaches to large portion of Society.
46.What are the benefits given to MSME?
- MSME registration helps in getting government tenders
- Under bank loan, 15% import subsidy on fully automatic machinery
- Becomes easy to get licenses, approvals and registrations, irrespective of field of business
- Compensation of ISO certificate expenditure
- Helps in getting low interest rates in loans
- Registered MSMEs gets tariff subsidies and tax and capital subsidies
- Gets exemption under Direct Tax Laws
- Concession in electricity Bills
- Protection against payments (Delayed payments) MSME Samadhan
- Technology and quality up-gradation support to MSMEs
47. How to calculate turnover of Goods and Services for MSME classification?
- The information of turnover is linked to the Income Tax Act or the Central Goods and Services Act (CGST Act) and the GSTIN. As per Notification dated June 26, 2020, Exports value of goods or services or both are excluded for calculation of Turnover for MSME classification.
48. What is the support available for cluster development?
- The Ministry is implementing the Micro and Small Enterprises – Cluster Development Programme (MSE-CDP) wherein support is provided for Diagnostic Study; Soft Interventions like general awareness, counseling, motivation and trust building, exposure visits, market development including exports, participation in seminars, workshops and training programmes on technology upgradaion etc; Hard Interventions like setting up of Common Facility Centers (Common Production/Processing Centre, Design Centre, Testing Centre etc.) and creation/upgradation of infrastructural facilities in the new/existing industrial areas/ clusters of MSEs.
49. Can the MSE borrowers get collateral free loans from banks?
- In terms of RBI circular, banks are mandated not to accept collateral security in the case of loans upto ₹10 lakh extended to units in the MSE sector. Further banks may, on the basis of good track record and financial position of MSE units, increase the limit of dispensation of collateral requirement for loans up to ₹25 lakh with the approval of the appropriate authority.
50. Is there support available for obtaining ISO certification?
- The Ministry is implementing the ISO: 9001/14001/HACCP Certification Reimbursement Scheme for Micro & Small Enterprises (MSEs) for reimbursement of certification expenses, only to those MSEs which have acquired Quality Management Systems (QMS)/ISO 9001 and /or Environment Management Systems (EMS)/ ISO14001and / or Food Safety Systems (HACCP) Certification. Under the scheme provides reimbursement of 75% of the certification expenses up to a maximum of ₹75,000/- (Rupees seventy five thousand only) to each unit as one-time reimbursement only to those MSEs which have acquired Quality Management Systems (QMS)/ISO 9001 and /or Environment Management Systems (EMS)/ ISO14001and / or Food Safety Systems (HACCP) Certification.
51. What support is provided by the Ministry for assisting training institutions?
- The Ministry is implementing the Assisting to Training Institutions Scheme which envisages financial assistance for establishment of new institutions (EDIs), strengthening the infrastructure of the existing EDIs and for supporting entrepreneurship and skill development activities. The main objectives of the scheme are development of indigenous entrepreneurship from all walks of life for developing new micro and small enterprises, enlarging the entrepreneurial base and encouraging self-employment in rural as well as urban areas, by providing training to first generation entrepreneurs and assisting them in setting up of enterprises. The assistance shall be provided to these training institutions in the form of capital grant for creation/strengthening of infrastructure and programme support for conducting entrepreneurship development and skill development programmes.
52. Can an enterprise have more than one Udyam Registration Number?
- As per Notification dated June 26, 2020, no enterprise shall have more than one Udyam Registration Number, if an Enterprise is involving in manufacturing and service, then both the activities will be clubbed in one Udyam Registration.

Frequently Asked Questions

53. Is credit rating mandatory for the MSE borrowers?
- Credit rating is not mandatory but it is in the interest of the MSE borrowers to get their credit rating done as it would help in credit pricing that is cost of funds (interest and other charges etc.) of the loans taken by them from banks.
54.Is it mandatory for every Entity to have PAN and GSTIN?
- As per Notification dated June 26, 2020, all the Enterprises seeking registration under the Act, requires to mandatory have PAN and GSTIN on and after April 01, 2021. However as per relevant provision of the Central Goods and Services Tax Act, 2017, and respective GST Laws, the Enterprises requires registration on crossing certain threshold limit mentioned in the Act. But this notification seems the exception of GST laws provision and every enterprise irrespective of turnover, mandatorily have GSTIN and PAN for registration under the Act. If the Enterprise do not obtain PAN and GSTIN, then it is liable for suspension of its status as Micro, Small and Medium Enterprise on and after April 01, 2021.
55. What support is provided by the Ministry to promote energy conservation in the manufacturing process for SMEs?
- The Ministry implements the “Technology and Quality Upgradation Support to Micro, Small and Medium Enterprises (TEQUP)” which focuses on two important aspects, namely, enhancing competitiveness of MSME sector through Energy Efficiency and Product Quality Certification. The basic objective of this scheme is to encourage MSMEs in adopting energy efficient technologies and to improve product quality of manufacturing in MSMEs. It is a well-known fact that energy consumption is a significant component in the cost structure of almost any manufacturing/ production activity. Adopting energy efficient technologies curtails the cost of energy there by reducing production cost and increasing competitiveness. Under this scheme, a capital subsidy of 25% of the project cost subject to a maximum of ₹10.00 lakh shall be provided to the registered MSME units. While 25% of the project cost will be provided as subsidy by the Government of India, the balance amount is to be funded through loan from SIDBI/banks/financial institutions. The minimum contribution as required by the funding agency will have to be made by the MSME unit.
56. What support is provided by the Ministry to improve design of products produced in MSME sector?
- The Ministry implements the Design Clinic Scheme for Design Expertise to Micro, Small and Medium Enterprises (MSME) Sector is to improve the design of the product to meet global challenges and compete with similar products domestically and internationally. It is launched to benefit MSMEs by creating a dynamic platform to provide expert solutions to real time Design problems and add value to existing products. The goal of this scheme is to help MSME manufacturing industries move up the value chain by switching the production mode from original equipment manufacturing to original design manufacturing and hence original brand manufacturing. In the Design Clinic scheme, the value additions to an idea or a concept are imparted through interaction at a lesser cost to a specific industry/sector. The expected outcome of such interventions is new product development by design improvement and value addition for existing products.
57. What support is provided by the Ministry for promotion of Information & Communication Tools (ICT) in MSME Sector?
- The Ministry implements the Information and Communication Technology (ICT) scheme to encourage and assist Indian MSMEs to adopt ICT Tools and Applications in their production and business processes, and thereby improve their productivity and competitiveness in National and International Market.
58. In case an Enterprise ceases to Medium Enterprise, is it required to surrender the Certificate to MSME Authority?
- As per Notification dated 26th June, 2020 issued by Ministry of Micro, Small and Medium Enterprises it is not mentioned anywhere in the Act that once the Enterprise ceases to be MSME enterprise, it has to surrender its certificate, however if the Entity fails to update the relevant information on the portal then it liable for suspension of its status.
59. Is Registration of MSME / Udyog Aadhaar replaced with Udyam Registration?
- Yes, MSME / Udyog Aadhaar registration is replaced with Udyam Registration. As per notification of MSME, dated 26.06. 2020, Udyam Registration is the new process of MSME/UDYOG AADHAAR Registration launched by the Ministry of Micro, Small and Medium Enterprises effective from July 1, 2020. This will now be known as Udyam, according to a notification published on 26 June 2020 by the Ministry of Micro Small and Medium Enterprises (MSME). The new method of registration began on July 1st 2020.

60. Is it mandatory for enterprise to get registered under MSME Act?
- Yes, MSME / Udyam registration is mandatory in India. While the enterprises have to obtain Udam Registration, the RBI has also made it mandatory for the lenders to ensure that their MSME borrowers have obtained the registration.
61. What is registration process for Existing Enterprises?
- The registration process for Existing Enterprises is below: All existing enterprises registered under EM–Part-II (Entrepreneurs Memorandum) or UAM (Udyog Aadhar Memorandum Portal) shall register again on the Udyam Registration portal on or after the 1st day of July, 2020. All enterprises registered till 30th June, 2020, shall be re-classified in accordance with this notification. The existing enterprises registered prior to 30th June, 2020, shall continue to be valid only for a period up to the 31st day of March, 2021. An enterprise registered with any other organization under the Ministry of Micro, Small and Medium Enterprises shall register itself under Udyam Registration.
62. What is the Role of MSME in Indian Economy?
- MSMEs are an important sector in the Indian economy and Its play a key role in economic and national development. They not only create jobs but also work together to develop backward and rural communities. As per the Government annual report (2018-19), presently there are 6,08,41,245 MSMEs in India. With a hope of the to create five crore job opportunities in the MSME sector, the Government had announced about making changes to the MSME, where turnover will define an MSME, and not based on investment put into it. Since its inception, part of MSME has proven to be India's most powerful economic sector. MSME manufactures and manufactures a wide range of products in the domestic and international markets. The Government of India has taken several initiatives to holistically develop the MSMEs of the country. This includes benefits for them, as well as, initiatives for their smooth working and upgrade industries. MSMEs also contribute to and play an important role in the country's development in various areas such as low investment requirements, operational flexibility, mobility, low import rates, and high contribution to domestic production. MSMEs have played a key role in providing employment opportunities in rural areas. They have assisted in the industrialization of these areas at a lower cost compared to the larger industries. Acting as a co- operative unit in the major sectors, the MSME sector has played a major role in social and economic development. With the strength and power to develop local technologies, provide strong competitiveness in the domestic and international markets, technology industries, contribute to building defense equipment, and produce new entrepreneurs by providing information, training and skills development skills through specialized training institutions.