msme-development institute kolkata · bbspl aims to provide easy one stop solution to all asset...
TRANSCRIPT
MSME-Development Institute
Kolkata
Vol: II, January 2019
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From the Desk of Director:
With the midnight bells of the New Year, the second edition of our
new initiative of a monthly journal “Udyami Bangla” has been
published. I hope the New Year will bring prosperity to the MSME
sector of West Bengal.
The O/o DC(MSME) is also taking new shapes under the leadership of
Sri Ram Mohan Mishra, IAS, AS&DC, MSME with lot of up to date
schemes which will be definitely beneficial to the MSME Sector in this era of next gen
business environment. I hope the schemes will address the specific needs of the industry
with a view towards modernising the system, so that the MSME sector could imbibe the
state of the art technology in their production system.
With a hope of more vibrance and dynamism in the sector, I once again wish all the SMEs
and the other stakeholders a very happy and prosperous New Year.
Ajoy Bandopadhyaya
Content
A. Director’s Message 01
B. Editorial 02
C. Feedback from Readers 03
D. Success Stories 04
E. AV Space 11
F. From the Districts 13
G. Focus District - Malda 20
H. Bulletin Board 27
I. Special Feature 30
J. Feature – Abasar 28
Editor : Sri Debabrata Mitra, Deputy Director (G&C)
Sub Editor : Sri Chitresh Biswas, Asstt. Director (Stat)
Cover Pic : Sri Ram Mohan Mishra, AS&DC(MSME)
unfurling the inaugural issue along with
Sri Ajoy Bandopadhyaya, Director, MSME-DI, Kolkata.
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Editorial:
Keeping government machinery innovative and active is rather like
climbing a mountain. The first slopes are easy, almost like walking,
but as time passes the foothills become steeper. We, therefore have
moved steadily forward, anchored safely by launching our first issue
of UDYOGI BANGLA, despite the challenges of its contents and
constraints.
Now with the new version of our E-newsletter, UDYAMI BANGLA, we
have passed the crux, the most difficult part of the climb, and are
headed for the summit under this new name in this year.
MSME-DI is an integral part of MSME-Development Organisation that continually assists in
the development of MSME’s both proactively and reactively as changes are introduced.
Throughout the climb, we are ready to face challenges in growth and development. We
have moved forward with new strategic directions to improve value, growth and
retention. We are building our capacity to achieve a bit more. We got blessings from our
supremo and encouragements from our industry sectors. We are engaged in current and
emerging changes in our role as facilitators. We are reassessing how we can best support
and educate the entrepreneurs and public for implementation of various schemes and
policies.
With our long standing vision, “To keep the public aware of changes to business
changes”, we are standing guard not only to protect the public but to educate and
equip professionals while unifying the industry to promote entrepreneurship. No wonder
MSME-DI is and always has been known as “the friends and guides”. We take this
responsibility seriously and continue our promise to elevate new gen youth through
education, advocacy and hand-holding.
This strategic plan can best be achieved through continued relevance to a wide variety
of support available within the ecosystem. During the next coming months we will be
communication our plans in greater detail. I encourage each of you to visit our websites
to receive up to date information. We invite all of you to join us on the climb to the
summit. Each step brings us through exiting adventures and blesses up closer to our goals.
Wish you a happy and prosperous New Year.
Happy reading!
Debabrata Mitra
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SUCC
FEEDBACK FROM READERS
Dear Sir,
It indeed is a moment of pride to be seen ourselves placed
in the SUCCESS Story for our BIOTOILETS and other Hygiene
products... We thank you for the belief in us and look forward
to be enterprising on the paths shown by you.
This journey (which means a lot for us) could not have been
possible without your support, enthusiasm and guiding
encouragement.
Regards,
Dr Arijit – Arpita
Ramaesis Realty Pvt Ltd
Sir,
It is a great initiative.
Regards
Somnath Chakraborty
Sr. Asst. Secretary, BNCCI
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The Tigonis Story
BENGAL BUILDING SOLUTIONS PVT. LTD.
Regd. Office : 57G, K.N Sen Road, Kolkata 700042
Phone No.: : 033-2443 0337/38
Website : www.bbspl.co.in
Startups are an amazing thing. If you like riding a roller coaster ; with
unexpected ups and downs along the way, you will love this journey. But its
not for the faint hearted.
Bengal Building Solutions Private Ltd. (BBSPL] was founded with a vision to
provide an end to end solution for new age and eco-friendly building and
construction materials with the brand name TIGONIS. The company
incorporated in 2017, and it is promoted by a Group consisting of a
successful business family in Kolkata engaging professionals with a vast
experience in the field of construction.
The company has a state of the art manufacturing unit in Falta, South 24 parganas, West Bengal,
which is all set to be India’s first integrated plant manufacturing different cement based and allied
products like blocks, cementitious powders, liquid based construction chemicals and various
concrete casting products. BBSPL aims to provide easy one stop solution to all asset development
needs.
The CEO of the Company Sri Abhishek Banerjee is an IIT and
IIM Graduate. Hailing from a business family, he was highly
inspired by his parents, who are themselves very high
achievers in their lives, and got the basic training of business
at his homestead and he developed a desire to grow himself,
not only to achieve greater things but also prove himself in
their eyes. His interest in business and entrepreneurship started
right from undergrad school, at IIT Kharagpur; where he took
subjects which would have different industrial applications
and shape the near future. But his goal in IIT was to get
through IIM Joka, as he thought, that would be the ground
where all his thoughts would be shaped up into something
meaningful and enterprising. Abhisek had a fascination for
manufacturing and marketing ; and coupled with his
background of biotechnology; he decided to venture into
pharmaceutical sector. From the second year of his stint in
IIMC, he started a company called Bengal Lifesciences,
which started very positively but lost its sheen due to sales
and marketing issues.
He learned the hard way and developed a kind of ruthlessness which is required for running a
business of any scale. This has brought him to his next venture, which was out of college and had
his full time and dedication. The goal was to provide a complete end to end solutions to the
building materials industry; and collaborate with various industry advances to make fantastic
products, under the name of Bengal Building Solutions. Working in this kind of a setup and industry,
which is dominated by industry giants with huge competition is not easy. He built his team and as it
SUCCESS STORY
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is said that once you have a great team, half the job is done; he moved ahead. One should hire
smarter people who can tell what to do, rather than the opposite.
The first step was to make a very futuristic plant setup in the heart of Falta, for which large amount
of land was required. But a land fruad has hurt Abhisek hard not only internally but in terms of
finances too. So, he decided to start the business by outsourcing the production and keeping
marketing and research under his own control.
He started hiring people from the trade,
who shared out passion for building a
wonderfully fresh and energetic brand right
from the grassroot level. BBSPL, as a next
step, aligned interested set of plants, who
would agree to their toll manufacturing
scheme. Currently, BBSPL have a set of 4
plants in West Bengal, who are fully aligned
to their production, maintaining the
international standard of the products from
their plants, as well as follow BBSPL’s
production and dispatch plans.
Once the production was sorted, they
emphasised on brand building, which is not
only Abhisek’s passion but also a
differentiator from other local brands. They
adopted a simple strategy to connect with
as many people as they can in as little time as possible. With this carpet bombing exercise, they
have been able to get a considerable market share in the geographies where they are currently
present. The brand Tigonis, has now been in the market for around 6 months with the confidence
in their product quality and services that they are able to compete with the very best in the
industry, the size of the business is increasing day by day. Abhisek is now powered with his best and
proudest acquisitions of his life; his father joined him full time from being the CEO of an MNC to be
the Chairman of the group. Now they are dreaming to grow this business into a mammoth in the
coming future with focus on great products, understanding the needs of the market and develop
a robust operational setup; which is not only futuristic but also effective.
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Story of an Export Oriented Leather Goods Business
ELRICH INTERNATIONAL PVT LTD.
Regd. Office : 93/C Tiljala Road, Kolkata-700046
Phone No.: : +91-33-46013285, +91-9903055053
Website : www.elrichinternational.com
M/s. Elrich International Pvt Ltd. was launched in the year 1995 as
a Pvt. Ltd. Company under founder Director Shri Shahid Akhtar,
who was a Graduate with 20 years’ experience in
manufacturing leather and leather goods. The founder director
initially started this export business in small scale forming a
partnership and continued up to 1994 and due to increase in
sales volume this company is formed in 1995 to tackle the market
situation which demanded the improved quality along with the
higher volume. Simultaneously the company had to manage the
large workforce efficiently with the introduction of latest
machineries.
Current Directors of the Company are Shri Shahid Akhtar and
Kashmiri Akhtar. The unit is now Manufacturer & Exporter of Leather Goods. It is a 100% Export
oriented business and goods are manufactured as per the importer’s specification only. Staring
with an investment of Rs.14 crore, the business turnover is now
around Rs.34 crore. Facing regular competition with other
exporters as far as cost and quality helped them to secure their
position.
Their comprehensive collection of leather products includes
leather wallets for men, ladies purses, card holders, handbags,
executive bags, leather files and folders, corporate gift items
etc. They specialize in Men bags including messengers,
crossovers, briefcases, weekender bags and hold alls.
Total leather good exports from India stood at US$ 1.36 billion during 2017-18.
During 2017-18, the major markets for
Indian leather products were US (24.48 per
cent), Germany (14.76 per cent), UK
(10.94 per cent), Italy (5.82 per cent),
Spain (5.87 per cent), France (5.07 per
cent), Netherlands (4.86 per cent),
Australia (3.41 per cent), UAE (3.10 per
cent) and Denmark (2.59 per cent).
The enterprise try to accommodate
workforce team over an area of 10000
square meters of production space to
ensure a flourishing environment where
individuals can develop and implement new ideas in the work place. As far as customers are
concerned they are maintaining the quality and competitive prices and generating employment.
Below given a link of Video to know more from the Enterprise -
https://www.youtube.com/watch?reload=9&v=Ac8VwFRjbPw
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Over 100 years of Excellence
KHIMJEE HUNSRAJ
Regd. Office : 9 Rabindra Sarani, Kolkata -0700073
Phone No.: : 033-2221-5638/ 2235-4486
Website : www.khimjee.com/leather
M/s. KHIMJEE HUNSRAJ was established in the year 1904 by SURAIYA FAMILY. Being an OEM
manufacturer, they execute orders as required by the customers. They cater to various brands &
importers importing Leather Products (Bags, wallets & Slg's) for consumable fashion industry
worldwide.
The Leather Goods division started in 1982 in Kolkata. Capacity was expanded with a modern
factory in Chennai in 1992 to cater to the increasing volume of orders from the customers. They
achieved the SA 8000 in the year 2000. Khimjee's leather products are a fast-growing name on the
horizon of Indian leather exports. They have a discerning range of clients who seek out the high
standards of Khimjee's workmanship.
Their leather good production is imported by major brand-names in the US, Canada, Germany,
Switzerland, Austria, UK, and Japan. Today, Khimjee is considered a classic, part of the landscape
of original Indian design.
Through the years They have maintained high standards for workmanship and material. Now
greatly expanded, Khimjee's exceptional workforce is committed to carefully upholding the
principles of quality and integrity which have made the company what it is today.
Innovation and modernization have always held a pivotal role in function. Fully conversant and
comfortable with a large range of leathers they are easily able to offer a variety of products that
are able to meet the most trying needs.
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Story of a business woman
RITUU EXPORTS PVT. LTD.
Regd. Office : 1W, Sapgachi, 1st Lane, 42A Bus Stand, Kolkata -700 039
Phone No.: : +91 98311 30038, +91 96819 45762
Website : www.rituusbags.in
M/S. RITUU EXPORTS PVT. LTD was established in 2006 by Ms. RITU GUPTA in the field of Leather
Goods Manufacturing. Creativity, precision, and
teamwork are the three words that define this business.
Rituu Exports believe in giving International clients the
best quality products. They deal with global brands
directly as well as through intermediaries. Their business
model solves problems in a two-fold way: Firstly, they
offer their clients leather products at affordable prices
without compromising on design and quality. This has
helped the company build its reputation over the years
as well as live up to their client’s expectations. Secondly,
the business model supports and promotes make in India
campaign. Their business not only promotes India’s
craftsmanship but also creates jobs for hundreds of
people and helps them in developing vocational skills.
With a rupee and half as a capital, she managed to
build a business worth million within a few years. Ms. Ritu
Gupta started her own export business of manufacturing
bags in the year 1991. Following her first venture, she
started two other companies before finally launching Ritu
Exports Pvt. Ltd. in the year 2006.
She started with an initial investment of Rs. 10 lakh and
now Rituu Exports has crossed 8 cr. Over 200+ employees
working diligently in over 18000 sq. ft. for Rituu Exports. The journey of last 12 years have seen ups
and downs, but Ms. Gupta made the resultant an always up.
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A Dream to be the maker of World’s Best Industrial Gloves
VINIT GLOVES MANUFACTURING PRIVATE LIMITED
Regd. Office : 1W, Sapgachi, 1st Lane, 42A Bus Stand, Kolkata -700 039
Factory : P 42-44, "Udayan Industrial Estate", 3 Pagladanga Road, Kolkata - 700015,
Phone No.: : 033-2323-4400
Website : www.vinitgloves.com
The production of industrial gloves in India is estimated at around
150 million pairs annually and the industry employs a huge
number of economically challenged, yet skilful people who
constitute the bulk of the industry’s workforce. The Indian Leather
Industry has been set a target of achieving a turnover of USD 27
billion by 2020, and experts opine that the Industrial Leather
Gloves manufacturing segment (and other safety products) can
contribute in a significant way in achieving the target.
Vinit Gloves Manufacturing Private Limited currently possess
100,00 sq. ft. of manufacturing facilities from the treatment of raw hides to the production and
finishing of industrial leather gloves with integrated testing and quality control facilities at every
level. Their manufacturing unit is equipped with 300+ state of the art machines that are capable of
producing upward of 9 million pairs of industrial leather gloves annually. With an initial investment
of 17.5 crore, they are now a company with turnover 80 crore.
They directly employ 650 trained and skilled laborers, who meticulously cut and stitch the gloves
that are sought after by connoisseurs around the world. The company was founded by Sri Vinit
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Kumar Khetan and Sri Lalit Kumar Khetan. Now Vinit Gloves Manufacturing Pvt. Ltd. is a
professionally managed 100% export-oriented company led by Sri Vinit Kumar Khetan and Dr.
Purushottam Lal Khetan. It possesses over 10,000 square meters for production activities. Vinit
Gloves are now able to manufacture and export 8 million pairs of Industrial Leather Gloves from
their factory at P 42-44, Udayan Industrial Estate, 3 Pagladanga Road, Kolkata – 700 015. Vinit
Gloves is an ISO 9001:2015 certified company, SA 8000:2014 certified company, “Two Star Export
House” recognized by the Government of India.
This phenomenal rise of Vinit Gloves in just two decades of presence in the gloves market has only
become possible because of stringent quality-oriented attitude, excellent management and the
support team. The company has diversified the line of business and set up the best captive
tannery on its own at Zone-2, Plot-85A & 87.
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1. Start -up straggle days of Sayan Chakraborty, founder of the WTF (Where’s the Food), a start
up business of good food with affordable price. Hear from Sayan about his start-up plans and
Ideology on https://youtu.be/n-sUfa4LwWU
https://youtu.be/n-sUfa4LwWU
2. MSME Tool Room
In today’s fast paced global business scenario, technology has become more vital than ever
before. Its development and absorption are the key ingredients for the overall economic
development of a nation. This is even more relevant in the context of developing countries
where technological development and employment generation have to go hand in hand.
With a view to foster the growth of the SME sector in the country, MSME Tool Room, Kolkata
(Central Tool Room & Training Centre), has been established under Technical Co-operation
Programme between Governments of India and Denmark. MSME Tool Room, Kolkata provides
invaluable technological support to the Industry and ensures that Tool Room technology
keeps pace with the rapid growth of Industry which aims at rapid growth of micro, small &
medium scale sector through:
Provision of common facilities in CAD/CAM/CAE/CNC Machines/Vacuum Heat Treatment
furnace,
Product design and development,
Design and fabrication of moulds and dies,
Design and manufacturing of jigs & fixtures,
Design and construction of press tools,
Design and manufacturing of gauges,
High precision machining and supply of metal components,
Consultancy in mould proving, mould repair and mould maintenance,
Design and conducting of skill development training programmes in tool & die and allied
engineering trades.
To know more about MSME-Tool Room visit:
https://youtu.be/nRvcdthrMvM
https://youtu.be/s7IHH8yk1Yw
3. Start-up scenario in Kolkata - Meghdut Roy Chowdhury
https://youtu.be/yQOdvOJYDII
4. Lean manufacturing scheme
Under the Scheme, MSMEs will be assisted in reducing their manufacturing costs, through proper
personnel management, better space utilization, scientific inventory management, improved processed
flows, reduced engineering time and so on. LMCS also brings improvement in the quality of products and
lowers costs, which are essential for competing in national and international markets. The larger
enterprises in India have been adopting LMCS to remain competitive, but MSMEs have generally stayed
away from such Programmes as they are not fully aware of the benefits. Besides, experienced and
effective Lean Manufacturing Counsellors or Consultants are not easily available and are expensive to
engage and hence most MSMEs are unable to afford LMCS. Visit the following link to know more about
LMCS:
https://youtu.be/1Q9f18_gUgg
AV SPACE
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5. Guidelines for Procurement and Marketing support Scheme
The government in the month of November announced the Support and Outreach Initiative for MSME
Sector. These reforms come in the background of rupee depreciation, IL&FS default on the repayments,
shortage of liquidity in the market etc. The government aims to promote ease of doing business,
availability of liquidity, access to market, technology upgradation etc. The following video discusses
various issues associated with the MSME sector. Visit the following link:
https://youtu.be/BQnbXkqe-sk
6. MSME Samadhan
The Ministry of Micro, Small & Medium Enterprises (MSME) has launched MSME Delayed
Payment Portal – MSME Samadhaan for empowering micro and small entrepreneurs across
the country to directly register their cases relating to delayed payments by Central
Ministries/Departments/CPSEs/State Governments. Visit the following link to know more about
MSME Samadhaan:
https://youtu.be/aX9WcUprkGk
7. MSME Sampark
The MSME Sampark portal is a digital platform, wherein, jobseekers (passed out trainees /
students of 18 MSME Technology Centres) and recruiters (various reputed national &
multinational companies) register themselves for getting employment and getting right kind of
manpower respectively.
MSME Technology Centres have been one of the key contributors to the Make in India
initiative by contributing in various verticals such as Aerospace, Automobile, Electronics,
Glass, Footwear, Sports goods, Fragrance & Flavour, etc. These Centres are providing training
to around 1.5 lakh students annually and most of them are being absorbed by industry within
the country as well as abroad.
Skill Development is only one half of the challenge, finding the right employment opportunity
for these skilled youth, are yet another. While major corporate have well-defined recruitment
processes with a national reach, the challenge remains for small businesses and entrepreneurs
to find the right person for the job with relevant experience and skill-set. On the other hand,
the job seekers struggle to match their skill sets with the role, position, required experience,
monetary expectation, location & industry verticals leaves with too many parameters to be
matched in a limited opportunity map. To bridge this gap between the Recruiters and Job
Seekers, The Ministry of MSME has launched - MSME SAMPARK. Visit the following link for details:
http://sampark.msme.gov.in
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Video Conferencing with Hon’ble Prime Minister in Districts on November 2nd, 2018
On the occasion of Hon,ble Prime Minister of India’s launching of “Support and Outreach
Programme for MSME Sector” from the Vigyan Bhawan, New Delhi on 02/11/2018, a video
conferencing was organized for 57 district across the Nation. This august occasion was also
witnessed by MSME-DI officials.
Murshidabad
In Murshidabad, Sri Sanjeev Azad, Assistant Director(L/F) and Sri Tapas Roy, Investigator (Mech.),
MSME-Development Institute, Kolkata participated in the Video conferencing session organized by
United Bank of India, the Lead Bank of the District at IMI School, Berhampore.
Smt. Roopa Ganguly, Hon’ble MP and Sri Vivek
Bhardwaj, Joint Secretary, Ministry of Home
Affairs/Prabhari officer, Murshidabad District were
present along with officers and stakeholders from
different organisations.
There was a meeting which started with the
inaugural speech of Smt Roopa Ganguly, Hon’ble
MP at 2:15 pm. She focused on the achievement
of Government of India in last 4 and half years for
the last people in the row in all sectors. She also
explained the achievement of employment
through the Mudra and PMEGP Schemes. Sri Vivek
Bhardwaj, Joint Secretary, Ministry of Home
Affairs/Prabhari officer, Murshidabad District addressed the participants and he had detailed
discussion of Handloom and other industries.
The live telecast was started at 04:30 PM and Concluded with the 12 decision declare by the
Hon’ble PM. The Programme ended at 6:00 PM with the vote of Thanks
Nadia
In Nadia the Video Conferencing with Hon’ble Prime Minister held at Yuva Kalyan Bhawan, Krishna
Nagar. The programme was chaired by the Prabhari officer Sri Govind Mohan, IAS, AS, Min. of
Home affairs. Senior level officials from KVIC, NSIC, GST Council, Handloom EPC, NHDC, MSME-Tool
Room along with senior bank officials from SBI, BOI and UBI attended the programme. Sri S.S
Ahluwalia, Min. of State, Electronics and IT, Govt. of India inaugurated the Video Conferencing
Session with Hon’ble PM.
After the address by the Minister of State, the live Telecast was started at 4.30 PM. The Prime
Minister declared the 12 point development programmes meant for MSMEs and he also assured
the implementation part and feed back of these announcements will be monitored by PM himself
in the coming 100 days starting from the day of declaration itself.
Among all very important issues related to MSME, it was announced that regarding Technology Up
gradation of the MSME’s , Rs 6000 cr. have been sanctioned towards creation of 100 new Tool
Rooms for Training as well as Technology support to MSME’s.
FROM THE DISTRICT
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The Programme was attended by approximately more than 400 people from various sectors
related to Weavers, and applauded the announcement of the PM on various occasion of his
speech.
Bankura
Sri Barun Mitra, Additional Secretary, D/o. Production, Govt. of India led the video conferencing
session at Rabindra Bhavan, Bankura. The session was graced by the presence of Sri Babul
Supriyo, hon'ble MoS, Heavy Industry & Public Enterprise, Govt. Of India.
Senior officers from various Government agencies and Banks were present in the programme.
Representatives from different industry associations were also present at the session.
The porgramme was coordinated by Sri. Sanjit
Nandy, LDM, UBI, Bankura. Sri. Barun Mitra, AS, GOI
address the gatherings and briefed about the
objectives of today's VC. He urged all the
stakeholders form Govt. department, Banks, PSU
etc. to work together and work for the holistic
development of the MSME units especially
handicrafts MSE units of Bankura to achieve 100
days target assigned by Hon'ble Prime Minister of
India.
Sri Abhijit Bakshi, Jt. DGFT, Kolkata mentioned that
Bankura is having enormous potentials of exports of
Handicraft items and handicrafts SMEs should look for exports avenues more and more rather than
domestic markets. Bank officials discussed about their schemes for MSME sector. Sri. Siddhartha
Nandy, AD(L/F), Br. MSME-DI, Suri & Sri. T. K. Banik, AD(G&C), Br. MSME-DI, Durgapur also interacted
with the participants and briefed about different Schemes & Programmes of M/o. MSME. Both of
them urged the participants to enrolment in GEM portal and enjoy new experience of Cash Less,
Contact Less and On-time payment from Govt. departments.
During the interaction session, Sri Babul Supriyo,
Hon'ble MoS Heavy Industry & Public Enterprise
addressed the audience. Hon'ble Minister briefed
the importance of Hon'ble Prime Minister's Video
Conference and urged all the stakeholders of this
development process to work together.
The Video Conference session was telecasted at
the Rabindra Bhawan, Bankura soon after the
same was in air when Hon'ble Prime Minister of
India launched "Support and Outreach
Programme" for MSME Sector from the Vigyan
Bhawan, New Delhi.
After the Video Conference session, Sri Babul Supriyo, Hon'ble MOS Heavy Industry & Public
Enterprise addressed the press. The programme concluded with vote of thanks by NSIC official.
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Industry Visit
Shri Ajay Bandopadhyaya, Director, MSME-DI, Kolkata, Sri P.K.Das, Dy. Director (I/c), Br. MSME-DI,
Suri and Durgapur, Shri Tarak Kansabanik, Assistant Director, Br. MSME-DI, Durgapur visited some
major industries of the districts. This was a interactive visit. Discussion was done regarding different
issues and problems the units are facing.
The team visited M/S Bhagwati Fasteners Pvt. Ltd, Bankura, M/S Kalimata Ispat and
Vyaapar,Bankura, M/S Anadi Oil Mill,Bankura and M/S Amitava Pal,Bankura.
Bhagwati Fastners Pvt. Ltd is engaged in
manufacturing stainless steel fasteners. They have
imported latest technology for manufacturing
consistent quality products. They showed us the
manufacturing process of fasteners and Director
identified the area where quality upgradation can
be done. Director also told them that they can
take the help of MSME-Tool Room, Kolkata for
making moulds and dies, which the units usually
procure from abroad.
Then the team visited M/S Kalimata Ispat and
Vyapaar Pvt. Ltd. They are renowned manufacturer and exporter of industrial supplies, wagon
components and railway wagon. They are offering a wide range of superior quality products that
includes SG cast iron inserts, manhole covers,
socket caps for disk insulators, rail clips, anti theft
rail clips, rail anchors, fish plates plate screw, bolts
and nuts etc. From there we went to M/S Anandi
Oil Mill, Bankura. They are producing mustard oil.
Director technically guided all the units and made
them aware about all the DC (MSME) schemes for
their business growth. Director requested all the
units to send their story of becoming successful
entrepreneurs which would motivate prospective
entrepreneurs. From there the team visited M/S
Amatava pal. This unit makes Baluchurry saree of
different design. Director made this unit aware
about different DC(MSME) schemes for their
business growth.
Malda
Udyam Jyoti Awareness-cum-Udyog Aadhaar Registration Camp for MSMEs
MSME-DI, Kolkata organised one Udyam Jyoti Awareness-cum-Udyog Aadhaar Registration Camp
for MSMEs in association with District Industries Centre on 28.11.2018 at DIC, Malda. Sri M. Mondal,
GM, DIC, Malda inaugurated the programme and encouraged the entrepreneurs to take benefits
of Central and State schemes for their development. In his welcome address, Sri G. Podder, Asstt.
Director (IMT), MSME-DI, Kolkata explained in details the seven initiatives announced by the
Honourable Prime Minister in respect of Support & Outreach Programme of MSMEs – Udyam Jyoti
to the existing & prospective entrepreneurs. At the same time, the need for Udyog Aadhar
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registration & its benefit in the marketing aspects also reiterated to the participants. The other
MSME schemes were also discussed in the camp.
Sri Ujjal Saha, Executive Director, Mahadipur Export Association, Malda attented the programme
as a guest of honour and while addressing, he appreciated the efforts made by MSME-DI, Kolkata.
About 35 participants attended the programme.
Coochbehar
DLTFC Meeting on PMEGP Scheme
Second District Level Task Force Committee
(DLTFC) meeting under PMEGP scheme was
organized on 19.11.2018 under the chairmanship
of Sri Koushik Saha, District Magistrate,
Coochbehar district. The concerned officials
from different Govt. Agencies were invited on
the meeting for the scrutiny and approval of
online applications of PMEGP Scheme.
Total of 390 applications from the various sectors
of different MSME units were placed in the
meeting and after scrutiny, all the applications
were found in order and were approved by the
committee for further scrutiny and financial sanction of the loan amount from the concern bank.
Sl.
No.
Applications from different
Implementing agencies
No. of
applications
Project Cost
(In Lakh)
Margine Money
(In Lakh)
1 DIC 67 663.00 183.92
2 KVIC 18 185.84 63.15
3 KVIB 305 2096.03 688.28
TOTAL 390 2944.87 935.35
On the same day after the DLTFC meeting, GM DIC Coochbeher explained the target areas for
the implementation of schemes of MSME and also confirmed for the UAM camp to be organized
on 17.12.2018 at the conference hall of his office. In this camp, the beneficiaries of PMEGP of
Coochbeher District will also be called for proper awareness about the LMCS, MSE CDP, ZED and
other schemes of MSME.
Jalpaiguri
Udyam Jyoti Awareness Programme cum Udyog Aadhar Registration Camp
One Udyam Jyoti Awareness Programme
cum Udyog Aadhar Registration camp
was organized on 13.12.18 at Siliguri
Industrial Estate Development Association
(SIEDA) Hall, Siliguri, District Jalpaiguri in
association with District Industries Centre,
Jalpaiguri and SIEDA. The programme was
attended by Sri Chandan Pal, GM, DIC,
Jalpaiguri, Sri Bivash Dutta, Manager and
Sri Ashimananda Biswas, IDO, DIC,
~ 17 ~
Jalpaiguri, Mr. T. K. Banerjee, Assistant Director, Br. MSME-DI, Siliguri. Twenty two participants were
present in the programme. Sri T. K. Banerjee discussed the schemes of Ministry of MSME. The latest
guidelines of Public Procurement Policy, Lean Manufacturing competitive scheme and design
clinic scheme were also been discussed. Mr. Chandan Pal discussed in detail the schemes of State
Govt related to MSME promotion and development.
One Udyog Aadhar Registration camp was also organized on the same day at the same place. 9
units were assisted with the UAM registration.
Darjeeling
Udyog Aadhar Registration Camp
Members of the Siliguri Battery Cluster, District Darjeeling were motivated to register with UAM.
They came to visit Br. MSME-DI, Siliguri on 09.12.18 & 10.12.18 for the Udyog Aadhar Registration.
Visit to Siliguri Pineapple Processing Cluster ICS, Bidhannagar
Sri P.K.Das, Deputy Director Incharge and Sri T. K. Banerjee, Assistant Director, Br.MSME-DI, Siliguri
along with Sri Biswajit Goswami, IDO, Sub DIC, Siliguri visited Siliguri Pineapple Processing Cluster
Industrial Co-operative Society, Bidhannagar, PS-Phansidewa, Dist- Darjeeling on 28.11.18. It is
almost 45 Km away from Siliguri Town. Most of the units are located in their houses presently near
to the pineapple growing field. They are at present making Pineapple Jam, Jelly, achar, squash,
juice, sauce, chips, wine (country process) etc and every unit have their own small arrangement
of equipments for making these items. We came to know from Secretary, Sri Arun Mondal that at
present many units are supplying their products to Patanjali in cut pieces as per the requirement.
This cluster has more than 50% members belonging to ST category. The units have purchased 50%
of the targeted land for CFC in the name of Cluster and Uttar Banga Krishi Vishwavidyalaya,
Pundibari, Coochbehar has been entrusted for making DPR. Most of the members were advised to
make Udyog Aadhar Registration with the assistance of Br. MSME-DI, Siliguri.
Purulia
Visit to Chow Mask Cluster, Charida, Purulia
Sri Ajoy Bandopadyaya, Director, MSME - DI, Kolkata, visited Chow and Musk Cluster, Charida and
Lac Growing and Processing Cluster, Jhalda on 22.11.2018 along with Sri P. K. Das, Dy Director
(I/c), Br MSME-DI, Durgapur & Suri and Sri Tarak Kansabanik, Asstt. Director, Br MSME-DI, Durgapur &
Suri. Details discussion was done with the SPV members of those clusters.
In Charida, the mask artisans produce paper based masks which are very light in weight. At first
moulds are made and paper based masks are made using
these moulds. All these products are totally handmade.
Common facility centre for all the units in this cluster may
increase their productivity a lot although some special kind of
masks needed to be made by hand.
Director observed the whole product making procedure and
made them understand how installing the CFC will benefit
them. SPV members of Chow and Mask cluster informed
different issues they are facing and Director guided them
accordingly. Director made them understand the benefits of
the MSE-CDP scheme and suggested them that Cluster
~ 18 ~
development will not only increase their productivity but also improve their product quality. They
were also motivated to sell their products online. Officers of MSME-DI made them aware about
different DC (MSME) schemes for their business growth. Besides Mask, they are also making
different decorative items. Proper training may help them to add versatility to their products. There
is huge scope of implementing MSE-CDP scheme in this cluster.
Visit to Lac Growing and Processing Cluster, Jhalda, Purulia
Shri Ajoy Bandopadhyaya, Director, MSME - DI, Kolkataalong with his team of officers visited to the
Shellac Growing and Processing Cluster, Village Jaargo, Jhalda, Purulia on 22.11.18.
The cultivation of Shellac is a source of subsidiary income for a large number of cultivators, most of
them belonging to the economically backward Adivasi communities of Chhotanagpur
(Jharkhand), Purulia district of West Bengal.
Shellac is the scarlet resinous secretion of a number of species of shellac insects. Cultivation begins
when a farmer gets a stick (brood lac) that contains eggs ready to hatch and ties it to the tree to
be infested. Thousands of shellac insects colonize the branches of the host trees and secrete the
resinous pigment. The coated branches of the host trees are cut and harvested as stick lac. The
harvested stick lac is crushed and sieved to remove impurities. The sieved material is then
repeatedly washed to remove insect parts and other soluble material. The resulting product is
known as seed lac. The prefix seed refers to its pellet shape. Seed lac which still contains 3–5%
impurities is processed into shellac by heat treatment or solvent extraction.
Proposed SPV members of this cluster showed
us the whole procedure of shellac cultivation.
The main problem of this cluster is that
cultivation of shellac is done in huge quantity
in this cluster. But due to lack of knowledge
and non availability of machineries they are
selling theses cultivated shellac to other units
who process it and sell the final product to the
market. So, proper training to the farmers and
installation of machineries Director, MSME,
Govt of WB regarding further immediate
action for the rapid development of this cluster
through MSE-CDP scheme will increase their
income level. SPV has submitted a project proposal for training, CFC etc. to the Director,
MSME,Govt. of West Bengal. Telephonic discussion has been done in between Director, MSME-DI,
Shri Ajoy Bandopadhyaya, Director, MSME-DI, Kolkata and his team with the proposed SPV members at village Jaargo, Jhalda, Purulia.
~ 19 ~
Kolkata and Director, MSME, Govt. of WB regarding further immediate action for the rapid
development of this cluster.
Paschim Bardhaman
Industry Visit
Shri Ajay Bandopadhyaya, Director, MSME-DI, Kolkata, Sri P.K.Das, Dy. Director (I/c), Br. MSME-DI,
Suri and Durgapur, Shri Tarak Kansabanik, Assistant Director, Br. MSME-DI, Durgapur visited M/S
Ramaesis RPL., Panagarh,Paschim Bardhaman, M/S Bhagwati Fastners Pvt. Ltd, Bankura, M/S
Kalimata Ispat and Vyaapar, Bankura M/S Anadi Oil Mill,Bankura and Amitava Pal, Bankura. These
are the most successful enterprises in their respective districts. The purpose of the visit was to make
these units aware about different DC (MSME) schemes which will not only increase their
productivity but also improve their product quality. Discussion was also done regarding different
issues and problems those units are facing. Director guided them technically to get rid of those
issues. Director requested to send their story of becoming successful entrepreneurs.
At first, visit was done to the Ramaesis Really Pvt Ltd, Panagarh, Paschim Bardhaman. This is a Bio-
Toilet unit. Shri Arijit Banerjee, Director of the unit showed us the whole procedure of making the
Bio-Toilet. They are also trying to produce e Bio-Toilet. Bio-Toilets are used in Govt Melas, Durga
Pujas and Construction sites as a means to eco-friendly green initiative. Today this is getting
popular not only in project wish list but also in to households who would rather not wait for the
brick and mortar mess. Director, MSME-DI,Kolkata told them to send the story of becoming
successful entrepreneurs which will motivate the prospective entrepreneurs. Director also advised
to make a project on how this product will ultimately make our country clean. This will also help to
make people aware about the benefits of using Bio-Toilet.
~ 20 ~
The district of Maldah in West Bengal has long and rich historical traditions. In early middle ages Gour was
the capital of Bengal and its famous ruins still draw visitors from all over the country. They silently speak of
the splendours of a bygone era. These splendid ruins are also a constant source of inspirations to the people of
Maldah to strive harder to achieve a future as brilliant as their past.
Introduction: Maldah district (also spelled as Maldah or Maldaha) lies
347 km. (215 miles) north of Kolkata, the State Capital. Mango, jute and
silk are the most notable products of this district. The special variety of
mango produced in this region, popularly known by the name of the
district, is exported across the world and is acclaimed internationally.
The folk culture of Gambhira is a feature of the district, being a unique
way of representation of joy and sorrow of daily life of the common
people, as well as the unique medium of presentation on national and
international matters. District headquarters is English Bazar, also known as
Maldah, was once the capital of Bengal.
Brief history of the district
The mention of Maldah was first found in the book of Abul Fazal “Ain-i-Akbari”. It is worth
mentioning that Abul Fazal was the court poet of the great Mughal Emperor Akbar. No specific
history is found about the naming of the district. However, it is assumed that the district has got its
naming by the combination of two separate words i.e. “Mal” and “Daha”. In Sanskrit the word
“Mal” mean ghang or “the elevated land” whereas the word “Daha” in the regional dialect
denote “a part or portion of it”. The later has been suffixed and finally the term becomes Maldah
or Malda. There is another view that the district’s name is derived from the Arabic word ‘Mal’
which means wealth, so ‘Malda’ in Arabic indicates a place where financial transactions are
performed that he has seen many Ashokan stupas at Pundravardhana. From the inscriptions
discovered all over North Bengal as well as the inscriptions found on the Allahabad pillar of
Samudragupta, it is clear that the whole of North Bengal as far east as Kamrup was a part of
Gupta Empire. After the Gupta dynasty, in the beginning of the 7th century AD, the King of
Karnasubarna as well as Gauda, Sasanka ruled independently for more than three decades. From
the middle of the 8th century to the end of the 11th century the Pala dynasty ruled Bengal, the
kings were devoted to Buddhism. It was during their reign that the Jagadalla Vihara (monastery) in
Barindri flourished paralleling with Nalanda, Vikramshila and Devikot.
Gour Era: After the Pala Empire, the Sen Dynasty started and they ruled over Bengal till 1204 AD. At
the time of Lakshman Sen, Goud was known as Lakshmanabati. The Sen kings ruled Bengal till
Bakhtiyar Khalji conquered Bengal in 1204 AD. Afterwards Muslim rule started in Bengal. The name
Mal Daha was coined (Mal = riches, Daha = lake). Noted rulers like Sultan Ilyas Shah, Firuz Shah,
Sikandar Shah, Raja Ganesha, Alauddin Hussain Shah and Nasiruddin Nasrat Shah ruled during the
medieval ages. Later Afghan warrior Sher Shah Suri tried to invade Gour but was driven back by
Mughal Emperor Humayun. It is said that the Emperor, from his love of mango, renamed Gour as
Jannatabad or the garden of heaven. Firuz Shah Tughlaq, Ghiyasuddin and Mughal army
invaded Gour to suppress rebellion several time. Relics of Muslim structures are still present as Firuz
Minar, Adina Mosque (the largest mosque of South Asia then), Qutwali Gate etc. During the
Mughal rule, the capital was removed to Dhaka due to a course change of the river Ganges.
Muslim rule ended in 1757. Koch army invasion increased during the downfall of Gour.
FOCUS DISTRICT - MALDAH
~ 21 ~
Post-Gour Era: After the war of Palasy, the British rule started in Bengal from 1757, not directly but
under the mask of British East India Company. Some indigo plant chambers, trade centres and
offices were established. In the year 1813, Maldah district was formed out of some portion of
outlying areas of Purnia, Dinajpur and Rajshahi districts. Before 1813, the present thanas (police
stations) of Gazole, Maldah, Bamongola and part of Habibpur were in the district of Dinajpur. The
thanas of Harischandrapur, Kharba, Ratua, Manikchak and Kaliachak were in the district of Purnia.
To prevent serious crimes in the thana areas of Kaliachak and Sahebganj and also on the rivers, a
Joint Magistrate and Deputy Collector was appointed at English Bazar, with jurisdiction over a
number of police stations centring that place and taken from the two districts.
Thus, the district of Maldah was born. In the year 1832, a separate treasury was established
followed by posting of a full-fledged Magistrate and Collector in the year 1859. Up to the year
1876, Maldah was a part of Rajshahi Division and then it was 11 included in the Bhagalpur Division.
In 1905, it was again transferred to Rajshahi Division and remained there till 1947. District Maldah
was first affected during the first partition of Bengal in 1905 when it was attached with the newly
created province of Eastern Bengal and Assam. Again, in August 1947 this district was affected by
partition. Between 12–15 August 1947, the fate of the district as to which side it should go, to
Pakistan or to India, was undecided because the announcement of the partition award of Sir
Radcliffe did not make this point clear. During these few days the district was under a Magistrate
of East Pakistan. When the details of the Radcliffe Award were published, the district came over to
West Bengal on 17th August 1947. However, the Sub-division of Nawabganj was severed from
Maldah and was given to East Pakistan as a Sub-division of the Rajshahi district, East Pakistan
(present Bangladesh).
Modern Maldah: After independence Maldah, along with other parts of North Bengal, didn’t
flourished much in terms of development. Later Sri A.B.A. Ghani Khan Chowdhury, who by his
various capacities being minister of different portfolios from state to national ministries of India,
took initiative to develop Maldah. Modern Maldah, as we see today, owes to him and is correctly
referred as the ‘Father of Modern Maldah’. For 28 years, West Bengal was ruled by the opponents
of Khan Chowdhury, who succeeded to establish a unique relation with him and the district
witnessed the fruit of this coalition in industrial sector. Sukhjeet Starch Ltd, East End Silk Ltd. and lots
of other enterprises have increased. East India Agro at Rishipur Anchal, deals with mango pulp
and Raw jute. There is also a GO-NGO partnership on the card, especially artisan-based business
cluster development and SME establishment is within the mission. Maldah has good potential in
Agro Products like mango, jute and silk.
Brief Economic & Political History: In the year 1813, Maldah district was formed out of some portion
of outlying areas of Purnia, Dinajpur and Rajshahi districts. Up to the year 1876, Maldah was a part
of Rajshahi Division and then it was included in the Bhagalpur Division. In 1905, it was again
transferred to Rajshahi Division and remained there till 1947.
After independence Maldah, along with other parts of North Bengal, didn’t flourished much in
terms of development. Later Sri A.B.A. Ghani Khan Chowdhury, who by his various capacities
being minister of different portfolios from state to national ministries of India, took initiative to
develop Maldah. Modern Maldah, as we see today, owes to him and is correctly referred as the
‘Father of Modern Maldah’. For 28 years, West Bengal was ruled by the opponents of Khan
Chowdhury, who succeeded to establish a unique relation with him and the district witnessed the
fruit of this coalition in industrial sector. Sukhjeet Starch Ltd, East End Silk Ltd. and lots of other
enterprises have increased. East India Agro at Rishipur Anchal, deals with mango pulp and Raw
jute. There is also a GO-NGO partnership on the card, especially artisan-based business cluster
development and SME establishment is within the mission. Maldah has good potential in Agro
Products like mango, jute and silk.
~ 22 ~
Administrative Set Up: Maldah is the southernmost of the North Bengal districts and is included
under the Jalpaiguri Division.
Sub Division : 2 (Maldah Sadar and Chanchal)
Police Station : 8
CD Blocks : 15
Municipalities : 2 (Old Maldah & English Bazar)
Cencus Towns : 27
Panchayat Samities : 15
Gram Panchayats : 146
Inhabited villages : 1641 (Total – 1771)
Population : Total – 39,88,845 (Rural – 34,47,185; Urban – 5,41,660)
No. of households : Total – 8,45,089
Industrial scenario such as present infrastructure for industrial development, present industrial
structure and resources in the district (indicate art-based enterprises and other sectors
separately)
Infrastructure:
The district is well networked with other parts of the states through:
Road ways:
National Highway: NH 34
Lane: 2
Length of NH within the district: 69.5 KM
Connected other states: The highway runs through the state of West Bengal and is a
major link with the North Eastern States.
Connected other districts: N-24 Parganas, Nadia, Murshidabad, Uttar Dinajpur
Blocks on the NH: Kaliachak, English Bazar, Gazole.
National Highway: NH 81 (Maldah is originating point of this NH)
Lane: 2
Length of NH within the district: 61 KM
Connected other states: Kora of Bihar
State Highway (SH):
1 SH; SH-10 connecting Maldah, English Bazar, Manikchak, Ratua, Samsi, Gazole (via
NH-81).
Railway: Maldah Town is one of the busiest stations under Eastern Rail ways. All the North Bengal
and North Eastern bound mail/ express trains passes through this station. More over some
passengers’ train towards Katihar of Bihar originate from this station.
Land Custom Station: Mehadipur, a notified Land Custom stations is situated in this district. This
station plays a vital role for trading with Bangladesh.
Other Social Infrastructure:
Technical Education:
• Engineering College: 01
• Polytechnics: 01
• ITI: 01
Health:
Standard health network like district hospital, block hospitals and Private
nursing home/clinics. Super Speciality Hospital is yet to be operational.
~ 23 ~
Banking Infrastructure:
• Lead Bank - UBI Bank and following are the other banks found in the district
SL Name of Bank No. of Branches
1 SBI 32
2 Allahabad 14
3 UBI 29
4 UCO 7
5 CBI 8
6 Union Bank of India 2
7 Bank of India 5
8 PNB 2
Agriculture, Horticulture & Livestock Production:
Maldah Crops/ Veg/ Fruits/
livestock
Rank in
the state
Production,
000’ MT
% to states’
production
Agricultural Produce Sugarcane 1st 212.80 21.26
Cereals 3rd 150.75 12.05
Pulses 3rd 23.79 15.81
Rapeseed & Mustard 5th 38.38 8.66
Vegetables Brinjal 3rd 210.55 7.30
Fruits Mango 1st 196.00 31.60
Litchi 2nd 9.40 11.04
Sapota 4th 2.80 6.40
Live stock product Goat 4th 975506(No) 6.47
Pig 5th 60793 (No) 7.46
Food Processing Industries:
Around 654 units found marketing their products in different markets of the district.
Sector No. of units
Fruits & vegetable processing 31
Cereals & Pulses Processing 190
Confectionery/Biscuit 121
Snacks/Pasta 21
Oil 59
Spices 8 Paddy Processing 40
Diary & Milk 42
Ice Candy 12
Others 130
Total 654
Maldah district without any mineral resource or forest resource is not suitable for establishment of
large-scale factories. On the basis of a good back ground of agriculture and plantation as well
ever-increasing demand Maldah district offers certain industrial prospect.
A number of units belonging to the food processing, silk reeling, power generation and wood
industries in the district are registered under the Factories Act. Almost all of them are localised in
English Bazar Police Station. Rice mill units in food processing industry are located mainly in English
Bazar and Chancha.
The important lines of production in natural resource-based sector in Maldah are cotton weaving,
mango processing, blacksmithy, bidi-making, pottery, carpentry etc.
~ 24 ~
Agro Based Industries:
Cotton-weaving: Among the small-scale and cottage industries, the number of operating units is
the largest in cotton weaving in handloom. The industry is localised mainly in the police stations of
Kaliachak, English Bazar and Manickchak. The main products of this industry are sari and
gamchha.
Sericulture: sericulture is a major economic activity in the district. The district accounts for more
than 80 per cent of the total silk thread produced in the state.
Mango Processing: Mango processing units in the-district has followed as a natural corollary. There
are more than a thousand such units in the district. Most of the units of this industry are located in
the police station of Kaliachak, English Bazar, Ratua, Harishchandrapur and Habibpur.
Makhana (Euryale Ferox) Processing: The production and processing of makhana seeds by
household units is concentrated in Harischandrapur 2 block where large areas are prone to
monsoon waterlogging.
Art Based Industries:
Blacksmithy: Although the blacksmith's trade is carried on throughout the district, its concentration
is observed in the Police Stations of Kaliachak, English Bazar and Kharba.
Jewellery: Manufacturing of gold and silver ornaments is concentrated in the Police stations of
English Bazar, Kaliachak, Ratua and Manikchak.
Pottery: Pottery is another household industry that provides livelihood to many families in the
district. The manufacture of earthenware is localised in the Police stations of Habibpur. Ratua,
Kaliachak, Gazole, Manikchak and Harischandrapur.
Carpentary: Even though the local demand for wooden products has been found to be growing
but slowly, this trade continues to provide a large number of workers in the district. The units
located mostly in English Bazar and Kaliachak P.S. These units produced furniture and other wood
products.
Miscellaneous Industries:
As a household industrial occupation, spinning of silk (other than in mill) is carried on almost
exclusively in Kaliachak P.S.
Bidi-making: In Maldah district, bidi-making is one of the important industries in terms of the
volume of employment offered. Most of the trade is carried on in Kaliachak Police station.
Tailoring: Units are found mainly in the Police Stations of English Bazar, Kaliachak and Kharda.
Major items produced:
Processed Mango Items, Processed Food Items, Honey, Mullberry Silk, Makhana, Pottery Items, Cycle
Tyres, Steel Furniture and other products, Wood products, Plastic items from fresh and recycled plastics,
Vegetable Oil, Rice Bran Oil, Motha Mat, Carpet etc.
~ 25 ~
Employment Generation by Traditional Crafts & Trades in Maldah District
CD Block Families
engaged Concentration of Traditional Trades
Harischandrapur 1 325 Masonry, Cobblery, Black smithy, Gold smithy, Pottery
Harischandrapur 2 258 Makhana processing, Cobblery, Pottery, Jute, Cane &
Bamboo Crafts, Black smithy
Chanchal 1 715 Cobblery, Pottery, Masonry, Black smithy, Gold smithy,
Carpentry
Chanchal 2 2045 Bidi binding, Cobblery, Weaving, Pottery
Ratua 1 655 Bidi binding, Bamboo Crafts, Cobblery, Weaving, Pottery, Black
smithy, Gold smithy, Bengal Bhatta
Ratua 2 1011 Weaving, Bidi binding, Cobblery, Weaving, Oil-pressing, Black
smithy, Dry Fish Processing
Gajol 1835 Brick, Pottery. Cane & Bamboo Crafts, Jute Carpetry, Hand
Paddy-processing
Bamangola 301 Pottery, Cane & Bamboo Crafts, Hand Paddy-processing
Habibpur 375 Idol-making, Pottery, Cane & Bamboo Crafts, Nylon
Ropemaking, Hand Paddy-processing
Old Maldah 425 Weaving, Fodder, Rice Milling, Tailoring, Pottery, Bakery, Bee-
keeping, Cobblery, Tile-making
Englishbazar 229 Weaving, Rice Milling, Tailoring, Pottery, Bakery, Cobblery, Tile-
making, Mango Products, Black smithy, Gold smithy, Carpentry
Manikchak 1359 Mason, Cobbler, Weaving, Pottery
Kaliachak 1 965 Pottery, Weaving, Black smithy, Carpentry. Brick-making, Bidi
binding
Kaliachak 2 345 Pottery, Weaving, Carpentry, Brick-making, Bidi binding
Kaliachak 3 2083 Bidi making, Weaving, Black smithy, Carpentry, Brick-making,
Bengal Bhatta
No. of micro, small and medium enterprises existing in the district:
MICRO SMALL MEDIUM TOTAL
3443 124 3 3570
No. of skilled people available in the district:
Occupational Group 2010 2011 2012 2013 2014
Industrial Supervisory 6274 6547 6821 7214 7466
Skilled & Semi-skilled 7637 7959 8406 8900 9278
Clerical 60195 62866 66016 69795 71926
Educational 5018 5153 5305 5615 5833
Domestic 2541 2669 2809 2970 3064
Unskilled 66001 68760 72015 76241 79444
Others 87671 91207 95010 100670 105626
All groups 235337 245161 256382 271405 282637
Source: Employment Exchanges, Chanchal & Maldah
There are 35,393 SHGs are working in Maldah, producing mainly Mango Products –
Amsattya, Amsi, Aam Kasundi, Mango pickles etc., Non-mango processed edibles – Bori
(Masoor, Matar, Kalai), Rice & Dal papad, Thekua, Naru, Fried dals ready to cook, Spices
etc. Non-food products – Bamboo works, Jute products, Fashion jewellery, crystal
products, kantha stitch etc.
~ 26 ~
No. of clusters and number of units in each cluster:
Name of Block/
Municipality Name of the Cluster Location Trade
No. of
Unit Empl
Old Maldah Honey Processing, Old Maldah Old Maldah Honey
processing 660 1400
Old Maldah Readymade garments,
Parasamondi, Old Maldah Old Maldah Garments 50 60
Ratua II Wooden Furniture, Ratua-II Ratua-II Wood
furniture 50 200
Gazole Wooden furniture, Gazole Gazole Wood
furniture 100 600
Kaliachak I Processing waste plastic,
Sujapur
Sujapur,
Kaliachak Plastic 100 3000
Manikchak Carpet, Dharampur Dharampur Carpet 100 3600
Kaliachak II Wooden Furniture, Kaliachak II Kaliachak II Wood
furniture 30 180
Old Maldah Old Maldah Steel Fabrication Old Maldah Steel
products 33 124
English Bazar Mun. English Bazar Steel Fabrication English Bazar Steel
products 58 152
Kaliachak I Kalia chak Steel Fabrication Kaliachak Steel
products 42 160
Ratua I Ratua Steel Fabrication Ratua Steel
products 44 120
Gazole Gazole Steel Fabrication Gazole Steel
products 24 80
Chanchal I Chanchal Steel Fabrication Chanchal Steel
products 40 165
Manikchak Manik Chak Steel Fabrication Manik Chak Steel
products 26 96
Harishchandrapur-II Harishchandrapur Makna
Cluster Harishchandrapur
Makhna
Processing 250 1000
Gobindapur,
Gazole Gobindapur Motha Mat Cluster Gobindapur Mat 26 104
Sri Goutam Podder
District Nodal Officer,
Murshidabad
Assistant Director (IMT)
MSME-DI, Kolkata
+91 98350 89809
For any queries regarding MSMEs in Murshidabad, feel free contact:
~ 27 ~
BULLETIN BOARD
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RBI releases guidelines on restructuring of advances to MSMEs:
Micro, Small and Medium Enterprises (MSMEs) form an important component of the
Indian economy and contribute significantly to the country’s GDP, exports, industrial
output, employment generation, etc. Considering the importance of MSMEs in the
Indian economy, it is considered necessary at this juncture to take certain measures
for creating an enabling environment for the sector.
The issue of restructuring of MSME accounts was discussed in the meeting of the
Central Board of RBI on November 19, 2018. The matter was also discussed during
RBI’s recent interactions with the banks and other stakeholders.
The above issue has been examined in RBI and a view has been taken to facilitate
meaningful restructuring of MSME accounts that have become stressed. RBI has
decided to permit a one-time restructuring of existing loans to MSMEs that are in
default but ‘standard’ as on January 1, 2019, without an asset classification
downgrade. To be eligible for the scheme, the aggregate exposure, including non-
fund based facilities of banks and NBFCs, to a borrower should not exceed ₹250
million as on January 1, 2019. The restructuring has to be implemented by March 31,
2020. A provision of 5% in addition to the provisions already held, shall be made in
respect of accounts restructured under this scheme. Each bank/NBFC should
formulate a policy for this scheme with Board approval which shall, inter alia, include
framework for viability assessment of the stressed accounts and regular monitoring of
the restructured accounts.
~ 28 ~
BULLETIN BOARD
Proposed Awareness Programme on IPR during last quarter of 2018-19.
Sl
No
Name of Cluster
& Address
Scope of the
programme
Products
of the
Cluster
No of participants Expected
Participants
1 Refractory Brick
Cluster, kulti-
Salanpur Area,
Burdwan -
713343
Technology
Intervention
(Patent), Trade
Mark etc.
Refractory
bricks
SPV members 34
and after
completion of CFC
expected 133 MSE
unit will be
benefited.
50 MSEs
and 20-30
others
2 Plastic Products
Cluster, Rajganj,
Dist Jalpaiguri -
734001
Technology
Intervention
(Patent),
Industrial
Design, Trade
Mark etc
Various
types of
plastic
products
SPV members 34
and 125 micro
units are using
benefits of CFC.
50 MSEs
and 20-30
others
Proposed Udyam Samaagam Programme during last quarter of 2018-19.
Sl
No Region Venue Date Theme
Expected
Participants
1 West Bengal
Swabhumi
Heritage plaza,
Kolkata
19-20
February,
2019
Roadmap for
Growth and
Sustenance of
MSMEs in WB with
special emphasis
on quality
upgradation and
import substitution
250
2 West Bengal
Handicraft
Exhibition Hall,
DIC, Malda
31
January –
1
February,
2019
Conclave of MSME
for conflux,
amalgamate and
harmonies growth
of MSME in North
Bengal with
special emphasis
on Eco-Tourism
200
3 Andaman &
Nicober Islads
Tagore College
Auditorium, Port
Blair
13 - 14
February,
2019
Agro-based
MSMEs and tourism
potential in
Andaman – A
road to El Dorado.
200
~ 29 ~
BULLETIN BOARD
KHADI : Government has been implementing a number of schemes for the holistic development,
promotion of Khadi and to modernize Khadi Sector through Khadi and Village Industries Commission
(KVIC), which include:
(i) Khadi Grant: Strengthening Infrastructure of existing Weak Khadi Institutions and Assistance for
Marketing Infrastructure provides for renovation of khadi sales outlets and providing assistance for
strengthening infrastructure of existing weak selected institutions
Work shed Scheme for Khadi Artisans for providing assistance for construction of work sheds.
(ii) Market Promotion Development Assistance (MPDA): A unified scheme by merging Market
Development Assistance, Publicity, Marketing and Market Promotion. A new component for
Infrastructure namely setting up of Marketing Complexes /Khadi Plazas has been added to expand
the marketing network of Khadi & VI products. Under the Modified Market Development Assistance
(MMDA) financial assistance at 30% of the Prime Cost, is distributed amongst Producing Institutions
(40%), Selling Institutions (20%) and Artisans (40%).
(iii) Khadi Reform and Development Programme (KRDP) aims to revitalize the khadi sector with
enhanced sustainability of khadi, increased incomes and employment for spinners and weavers,
increased artisans’ welfare and to achieve synergy with village industries. Under KRDP, restructured
amount of US$ 105 million has been negotiated with Asian Development Bank (ADB) and funds are
being provided to the Government of India to be released to KVIC as ‘grants-in-aid’ under
budgetary allocation through the Ministry of MSME. Khadi Reform Package envisages reform
support in the following areas: (i) Artisan Earnings and Empowerment, (ii) Direct Reform Assistance to
400 Khadi Institutions & (iii) Implementation of a well-knit Monitoring Information System (MIS).
In order to increase setting up of more Khadi units by entrepreneurs and also by institutions, KVIC
launched an exclusive online portal called “Khadi Institutions Registration and Certification Sewa
(KIRCS)” for filing application for registration of new Khadi units to undertake Khadi activities. 371
number of ‘Khadi Certificates’ have been issued to new Khadi Institutions to undertake Khadi
programme during the last three years. Though no new Khadi Institution formed in Kerala State
during 2017-18, there are already 29 Khadi Institutions functional in Kerala.
Following are the initiatives taken to promote and modernize Khadi sector:
To ensure genuineness of Khadi “Khadi Mark” has been notified by Government of India.
Ministry of Commerce and Industry, Govt. of India has extended KVIC, the status of Deemed EPC,
for supporting promotion of Khadi and Village Industries products in international market. 1088 Khadi
& Village Industries Institutions and REGP/PMEGP Units have taken its membership to enter the field
of export. KVIC through its assisted institutions and units participates in various international
exhibitions:
Tie up arrangement with premier institutions like Federation of Indian Export Organization (FIEO),
World Trade Centre (WTC), Indian Trade Promotion Organization (ITPO), Trade Promotion Council of
India etc., for invigorating business opportunities in the overseas market by conducting exhibitions
and workshops for Khadi Institutions.
KVIC engaged fashion designer of national and international repute for Fashion Designing to make
Khadi products more competitive and appealing in the domestic as well as overseas market
segment.
Assistance would be provided under the MPDA Scheme to the eligible Khadi and Village Industries
(KVI) Institutions for participation in International Exhibitions/Trade Fairs held in foreign countries in
order to showcase KVI products to foreign countries, access international buyers and sellers and
forge business alliances, etc.
Source - PIB bulletin
~ 30 ~
National Motor Replacement Programme
By Energy Efficiency Services Limited (EESL) A JV of PSU’s of Ministry of Power, Govt. of India
About EESL
Established in 2009, EESL is a joint venture of PSUs under Ministry of Power (Govt. of India), like NTPC
Limited, PFC, REC and PGCIL which was set up to create and sustain markets for energy efficiency in
the country. EESL is leading the market related activities of the National Mission for Enhanced Energy
Efficiency (NMEEE), one of the 8 national missions under Prime Minister’s National Action Plan on
Climate Change (NAPCC). Since its inception, EESL has been pioneer in implementing large scale energy
efficiency projects in India through innovative financing and service mechanism. The flagship LED
programmes like UJALA and Street Lights are testimony to EESL’s success stories over last 3-4 years
which has not only created market transformation in energy efficiency but also been able to result
employment, CO2 emission reduction and improving lifestyle of fellow citizens. EESL is engaged with
various stakeholders and entities like end users, electricity utilities, state governments, manufacturers,
service providers, financial institutions, test laboratories and media agencies to bring success to these
program. EESL looks forward to provide investment and transaction based services to Industries in their
effort to transition into an energy efficient and sustainable future.
In recognition of the immense potential for energy efficiency in industries, EESL has made a long-
awaited pivot towards the industrial segment with energy efficient motors as the technology of focus.
Preface
Globally, Industrial sector is known to be the largest electricity consumer, 70% of which is contributed
by electric motor systems alone. In India, about 40% of the total electricity consumption is contributed
by the industrial sector. Electric motor-systems use 28% of total national electricity which is
reasonably high.
Historically, the motors sold (and used by end-users) in India have lower energy efficiencies (IE-1 or
less) than the efficient products technologically available and manufactured. Based on estimation, 90-
95% of the current installed stock of motors is at IE1 & sub-IE1 levels. The issue of multiple rewinding
in the service life of motor(s) further reduces the efficiency drastically. This results in more energy
consumption, hence affects the competitiveness of any business entity.
Recently, Department of Industrial Policy & Promotion (DIPP) has issued a Quality Control order
requiring all imported and domestically manufactured motors to conform minimum IE2 class of
efficiency as per the revised IS:12615 with effect from 1.10.2017. It is a great opportunity for the
motor users to leap frog to the readily available even higher technology like IE3 class of motors. What
we need is a systematic approach and innovative business model to achieve so!
EESL’s National Motor Replacement Program
Riding high on the success of “Demand Aggregation” model in energy efficient products, EESL aims to
SPECIAL FEATURE
~ 31 ~
create an infrastructure to fuel supply for High Efficient Motors (HEMs) adhering to IE-3 standard
through upfront investment, awareness creation, capacity building of manufacturers and developing
success cases to convince decision makers. In the initial phase, it targets the 3-phase LT induction
motors in the capacity range of 1.1 kW to 22 kW preferably directly-coupled with loads like pumps,
fans, blowers, air compressors etc.
After a good consultation with various stakeholders, EESL has designed the Motor Replacement
Programme to encourage the use of energy efficient motors adhering to IE-3 standard by the end
users. The motors replacement programme shall offer appropriate technical specifications keeping in
mind key customer pain points viz. high initial costs, high operating and maintenance costs and quality
of the products.
Benefits
Due to the higher domestic demand, the Indian motor industry’s design and manufacturing
capabilities will advance towards the global best practice level of IE3 at an accelerated pace, and
provide economies of scale for higher exports. The replacement program will create additional skilled
employment in technical services, financial services, manufacturing, sales, installation, after sales
services, recycling etc. The final beneficiaries (at the level of the overall objectives) are shown in below
figure:
EESL Model # 1: Supply Contract /Project Management Consultancy
(PMC) Model:
In this model, the end user shall bear the product cost whereas EESL provides the PMC support to the
users. The PMC support includes the following:
Motor load survey: Estimation of baseline inventory and energy consumption through structured and
scientific approach (Optional)
Finalization of the scheme for replacement: Number of motors to be replaced, technical
specifications, estimation of energy saving, investment requirement etc.
Procurement of Motors: Through open competitive bidding
Supply of Motors to User Site: Facilitation/Management of supply of motors to the user site with due
co-ordination with the supplier
Warranty Obligation: Ensuring the warranty obligation with the supplier
Update in National Motor Dashboard: Estimated Energy Saving and other benefits to be reflected in
• A firm demand for energy efficient motors
• Reduced demand for electricity and better peak load management
• Energy Cost Reduction
• Brand building • Access to superior
'green' product
• Market expansion - replacement market
• Advantage through EESL's business model
• Reduced power shortages
• Energy Security
• Meet climate change goal of India
Mo
tor
Man
ufa
ctu
rers
Go
vern
me
nt
& U
tilit
ies
Cu
sto
me
r
Nat
ion
~ 32 ~
a national dashboard
One time PMC fees is payable to EESL in lieu with above responsibilities which is about 10% of the
material cost. The payment terms will be mutually decided between the end user and EESL.
EESL Model # 2: Shared Saving/ Energy Servicing Company (ESCO) Model:
In this model, the entire upfront investment will be done by EESL in addition to the PMC activities as
described above. Here, the project cost will therefore be material cost plus PMC fees plus the interest
rate on debt and return on equity of the EESL investment. The repayment to EESL by the user will be
done through Equated Quarterly Instalments (EQIs) for three year period.
It is observed that the repayment amount to EESL by the end-user is about 50-70% of the monetized
savings accruing through the improvement in efficiency of the motor. A typical example of cost benefit
analysis for 50 motors is shown below
Case Example:
Number of Motors: 50 nos.
Baseline Efficiency Class: IE-1
Baseline Parameters: 5.5 kW , efficiency 84.7%, loading 70%, 313 days/annum, 20 hours/day
New Parameters: Efficiency class IE-3, 5.5 kW , efficiency 89.6%, loading 70%, 313 days/annum, 20
hours/day
Baseline Annual Energy consumption: 14,22,727 kWh (=50X(5.5/0.847)X0.7X313X20)
New Annual Energy consumption: 13,44,922 kWh (=50X(5.5/0.896)X0.7X313X20)
Annual Energy Saving: 77805 kWh (=14, 22,727-13, 44,922)
Cost for Supply contract/PMC model:
Cost of per motor = INR 6,73,000 for 50 motors @ INR 13,471 per motor (discovered through open bidding)
PMC Fee to EESL = 10% of (INR 13,471* 50) = INR 0.67 lakhs +
18% GST Cost for Shared Saving model:
S. No. Particulars UNIT Values
1 Estimated Annual Energy Savings kWh 77805
2 Fixed Tariff, Rs. per kWh Rs. Per KWh 8
3 Estimated Annual Cost Savings Rs. Per year 622440
4 Investment for 50 motors (INR)- (Inclusive of all taxes) Rs. 874250
5 Estimated Capital Cost of the project (S.no. 4) Rs. 874250
6 Equity Portion (20% of capital cost) Rs. 174850
7 Return on Equity (23.7%) Rs. 41439
8 Debt portion (80% Cost of capital) Rs. 699400
9 Debt Interest (11%) Rs. 76939
10 Total Estimated Repayment to be made by client to EESL (6+7+8+9)
Rs. 992628
11 Contract Period Years 3
12 Payout to EESL annually (10/11) Rs. 3,30,877
13 EESL Share (12/3) % 54%
14 EESL Quarterly repayment Rs. 82,720
15 No. of repayments Quarterly 12
The above calculations are indicative only which may alter due to change in electricity tariff, material
~ 33 ~
Selected Manufacturers by EESL: Crompton Greaves, Siemens, ABB Ltd., Bharat Bijlee Ltd.
Price Advantage by EESL: About 30-35% reduction from market price in each rating
cost and PMC fees from project to project. The estimation of energy saving and the payment
mechanism to EESL will be clearly defined in the ‘Agreement’ between EESL and client.
Program Attributes
Attributes Typical Model EESL’s Model
Replaced product type Sub-standard or Non-IE 3 motors High Efficient IE 3 motors Warranty 18 months from delivery date 36 months from delivery date
Capital Investment Invested by end user ESCO Mode*
PMC Mode** Motor Installation By users By users
Pricing Retail price offered by manufacturers
30-35% reduction from retail price – discovered through
open bidding Selection of Product Direct purchase or bidding Open competitive bidding
* Entire Investment is done by EESL – No upfront financial burden
** Project Management Consultancy (PMC) support is onetime payment cost of services to EESL
Energy Saving through Pilot Demonstration by EESL
EESL undertook pilot studies of 36 motors on pan India basis. By quantifying the energy saving and
potential of implementation of 36 nos. of IE3 motors across the
different motor ratings chosen to be procured as a part of Phase-1.
Type of Industries: Brass, Textile and Automobile.
% k
Wh
Sav
ings
~ 34 ~
Overall Average Energy Saving Observed: 13 – 15 %
Type of Load: Compressors, pumps, fans and blowers.
Result: Power Savings were observed across all the pilot
installations of IE3 motors, which varied across different
installations due to difference in operating parameters. Various
benefits are derived after retrofitting IE3 motors which are (4.9 to
39.7%) kWh saving, (0.6 to 2.2%) increase in speed, (8.4 to 17%)
less in bearing temperature, (3 to 5.6%) less vibration (Horizontal
& Vertical).
kWH Saving (%) Linear (Max) Application Min Max
Motor Capacity (kW)
0.0 22.0 15.0 11.0 2.2 3.7 5.5 7.5
4.9 C, 5.7
P, 6.0 C, 7.7
C, 6.0 B, 5.2 B, 5.2 5.0
B, 6.0
P, 6.3
C, 8.7 C, 7.7 EF, 11.3 P, 5.5 10.0
B, 6.8 C, 5.6 B, 8.1 P, 7.0
P, 9.4
P, 8.9 15.0
P, 14.6 B, 15.6 B, 15.8
P, 19.4 20.0
C, 20.6 P, 21.0 B, 20.0
B, 23.3 25.0
EF, 26.9 30.0
EF, 34.0 P, 28.9
C-Compressor EF-Exhaust Fan
P-Pump B-Blower
C, 36.4 C, 35.7 C, 38.3
P, 37.9
35.0
40.0 P, 39.7 B, 37.8
45.0
% kWh Savings in Various Motor Capacity-IE3
Methodology to Participate in the Program
The program flow activities are mentioned in the below figure.
To initiate your query or further discussion with EESL, you may contact:
Mr. S P Garnaik
Chief General Manager
(Technical) Energy Efficiency
Services Limited
Tel: +91-120-4908002, Email: [email protected]
Alternatively, you may please log on to www.motor.eeslindia.org for sending your query
Typical Timelines
S. No. Activity Timeline (Days)
A Receipt of Query from client Day 0
B Submission of draft proposal by EESL Day 5
C Letter of Intent from client to EESL Client dependent
D Motor load survey (Optional) 15 Days (from C)
E Submission of revised proposal 2 Days (from D)
F Letter of Acceptance by client to EESL Client dependent
G Agreement signing 15-20 Days (from F)
H Procurement of materials by EESL and supply to client 45-60 Days (from G)
I Completion certificate by client to EESL Maximum 180 Days (from H)
J Payment to EESL As per agreement
Key Technical Specification
Parameters Specifications (As per IS 12615)
Type 3-Phase, LV Induction Motor
Pole 4
Mounting Foot Mounted
Voltage (V) 415 V (±10%)
Frequency (Hz) 50 Hz (±5%)
Efficiency Class IE-3
Ratings (kW) 1.1, 1.5, 2.2, 3.7, 5.5, 7.5, 11, 15, 22
Project Closure
Loan repayment/Upfro
nt payment by client to EESL
Completion Certificate by client to EESL
Installation by client
Delivery of the goods to customer
Placement of order to motor
supplier by EESL
Formal PO by client to EESL (if
necessary)
Signing of Agreement with
client
Letter of Acceptance by client to EESL
Motor Load survey (Optional)
Letter of Intent from Client to
EESL
Draft Proposal submission by
EESL
Motor Enquiry from Client (E- mail/Webportal)
~ 35 ~
Udyami Bangla Vol: II, January 2019
BRAVEHEART WITH A HUMANE TOUCH
It is a matter of pride and pleasure to report that Smt. Santi Saha, a casual worker of MSME-
DI, Kolkata has shouldered the noble humanitarian responsibility of saving a human life,
almost singlehandedly.
In the afternoon of 8th December (Saturday), Smt. Santi Saha along with her elder sister Lila
Saha were busy with their regular household chores at their residence in Jirat Road, Habra,
North 24-Parganas when news reached them that a young woman has met with a terrible
train accident at the nearby Habra Railway Station.
Without thinking twice or battering an eyelid Smt. Santi Saha ran to
the Habra Railway Station in their neighbourhood and saw that a
young woman of about 30 years old was lying in a pool of blood on
the railway tracks after having fallen from a running local train and
was bleeding profusely from a broken skull. There was commotion
everywhere and people crowded around the accident spot but no
single hand came forward to lift up the ill-fated accident victim or
carry her to the hospital. Showing immense courage and humanity,
Smt Santi Saha ran to the victim, Tiajmira Bibi and carried her to the
nearby hospital after arranging for a local toto.
With immediate treatment at the Emergency Cell of the Hospital, the victim survived and
recovered from the trauma. Smt. Santi’s efforts and magnanimous will-power helped to save
a human life. When asked about her actions. Smt. Santi humbly replied that nothing in life is
more important than life itself. She opined that people usually do not come forward to help,
fearing police interrogations or legal hassles. But she has never faced such problems in her
course of life, while providing assistance to accident victims. For a noble and worthy case, all
other aspects become irrelevant for this brave lady.
Railway police of Habra Station / Bongaon GRP has rewarded Smt. Santi for her courageous
act and has acknowledged that such kind and thoughtful deeds would really help to save
human lives.
MSME-DI, Kolkata
salutes Smt. Santi for
her dedication to
humanity, her kindness
and exemplary
courage. A tireless
worker, who has been
serving our Institute as
a casual work for
about 10 years, has
taught us that when
we are at the
receiving end, we feel
grateful but if we can
rise to give and
sacrifice our best, we feel honoured.
Our heartfelt blessings and best wishes are always with Smt. Santi and her family. The glorious
example set by her deeds will surely help to give a purpose to our lives.
~ 36 ~
Udyami Bangla Vol: II, January 2019
M S M E - D E V E L O P M E N T I N S T I T U T E W I S H E S
A L L T H E U D Y A M I s
Micro, Small & Medium Enterprises - Development Institute 111-112, B. T. Road, Kolkata –700108
Phone 033-25770597/98
[email protected], [email protected]
www.msmedikolkata.gov.in
like our page : www.facebook.com/msmedikolkatanews