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OPTIMiSM जून 2017 June 2017 अंक. II (6) Vol. II (6)

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Message from DMDs

Shri Anil Kumar Kapur Shri Manoj Mittal Dy. Managing Director Dy. Managing Director

Dear All,

The World Bank in its World Economic Prospects report (June 2017) has stated that, economic activity in India is underpinned by favorable monsoon rains that supported agriculture and rural consumption, an increase in infrastructure spending and robust government consumption. Also the government spending on capital formation has increased and partially offset soft private investment. The domestic demand is expected to remain strong, supported by ongoing policy reforms, especially the introduction of the nationwide Goods and Services Tax (GST) with effect from July 01, 2017. The proposed GST regime is also supposed to create a conducive environment for MSMEs and small business owners. Recognizing the potential of MSME sector for the nation’s development, the Government of India, through its various agencies, has taken many key steps to strengthen the sector and promote innovation and capacity building. The recent act of GoI enlarging the definition of Start-ups that inter-alia includes increase in gestation period upto seven years from five years, relaxation in the norms for tax benefits and inclusion of employment generation potential, is expected to boost job creation, entrepreneurship and innovation in the MSME sector.

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Govt. of India initiatives for women entrepreneurs: MUDRA: In order to encourage women entrepreneurs, MUDRA has women enterprise funding programme under which the financing

banks / MFIs may consider extending additional facilities, including interest reduction on their loan. At present, MUDRA extends a reduction of 25 bps in its interest rates to MFIs / NBFCs, who are providing loans to women entrepreneurs.

Stand-up India (SUI): The scheme aims to facilitate bank loans between `10 lakh and `1 crore to at least one SC/ST borrower and at least one woman borrower per bank branch for setting up a greenfield enterprise. The enterprise may be in manufacturing, services or trading sector. In case of non-individual enterprises at least 51% of the shareholding and controlling stake should be held by either an SC / ST or women entrepreneurs.

CGTMSE: The scheme aims to promote women entrepreneurship by way of providing higher guarantee coverage of 80% of the amount

(subject to a max. of `40 lakh) for loans upto `50 lakhs. Concession in Annual Guarantee Fee is also provided to women entrepreneurs. (Sources: Websites of various banks. For further details please contact respective bank branches.)

म हलाओं के लए वशेष ऋण योजनाएँ SPECIAL LOAN SCHEMES FOR WOMEN

In the middle of difficulty lies opportunity. – Albert Einstein

Scheme Purpose Amount Rate of Interest Other features

STREE SHAKTI PACKAGE (by State Bank of India)

To support entrepreneurship among women by providing certain concessions.

Need based The interest rate will be lowered by 0.5% in case the loan exceeds `2 lakh.

No security is required for loans up to `5 lakh in case of tiny sector units.

The margin will be lowered by 5% for others.

CENT KALYANI (by Central Bank of India)

To encourage women entrepreneurs to start new project or expand / modernise the existing unit. The scheme is aimed to meet capital expenditure & also meet day-to-day expenditure.

Max. `100 lakh

Loan up to `10 Lacs - MCLR + 0.25%

Loan above `10 Lacs and up to `100 Lacs - MCLR + 0.50%

Additional Interest concession of 0.25% if account is rated by external agency.

Margin – 20% No collateral security /

third party guarantee required as advance is covered by Guarantee cover of CGTMSE.

UNION NARI SHAKTI (by Union Bank of India)

To finance all women-owned and managed Micro and Small Enterprises engaged in manufacture or production, processing or preservation of goods or enterprises engaged in providing or rendering of services.

Min. `2 lakh; Max. `100 lakh.

Micro – MCLR plus (1.15% to 1.9%)

Small – MCLR plus (1.4% to 2.4%)

Margin - Upto `10 Lakh – 5%; Above `10 Lakh – 15%.

Customers under sole banking arrangement only.

PNB VANITA (Punjab National Bank)

For setting up new unit / enterprise or for expansion / modernization of existing unit; for acquisition of fixed assets (Plant & Machinery, equipment, furniture & fixtures); and to meet working capital needs.

Composite loan upto `25,000/-.

Preference will be given to women belonging to ST/ SC/ BPL category.

Margin – Nil.

SYNDMAHILASHAKTHI (Syndicate Bank)

Term Loan: (i) To set up a unit/ expansion /upgradation Cash Credit: To meet working capital requirements for existing or new units.

Upto `5 crore.

Upto `10 lakh – Base rate Above `10.00 lakh - 0.25% concession on applicable rate of interest.

Margin – 15% No processing and

documentation charges.

UDYOGINI (Saraswat Bank)

To take care of the financial requirements of women entrepreneurs allowing them to concentrate on their business growth.

Need based Micro & Small – PLR – 0.5% Medium - PLR

Margin: Micro – Nil Small & medium - 10%-

15%lower then the Bank’s norm

UNITED MAHILA UDHYAMI YOJANA (United Bank of India)

To encourage and empower women entrepreneurs by offering hassle free financial assistance at liberal and concessional terms for undertaking production, manufacturing or service related economic activities.

Max. `10 lakh.

As per Bank’s extant guidelines Margin: Nil for limit upto

`25,000/-; 10% for limit above Rs.

25,000 and upto `5.00 lakh;

15% for loan above `5.00 lakh.

IOB SME MAHILA PLUS (Indian Overseas Bank)

Term Loan for fixed Assets and Cash Credit for Working Capital.

Composite loan upto `2 crores.

Base Rate +1.25 to 1.75%

PSB UDYOGINI SCHEME FOR WOMEN ENTREPRENEURS (Punjab & Sindh Bank)

To encourage the women entrepreneurs to avail the loans on liberal terms and exclusive catering of credit under Direct agriculture activities, Tiny SSI sector, Business enterprises, Retail traders, Professional and Self employed etc.

Need based As per rate applicable to MSMEs. No margin upto `25,000/-

Margin of 15-25% above `25,000/- depending upon the purpose and quantum of loan.

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Can you imagine a guide available to you for shaping your dream or a banking service available at your fingertip? This has been made possible by SIDBI through its digital solutions enabling MSME aspirants to realize their entrepreneurial dreams. Some of the digital initiatives which are making the lives of MSMEs smoother are highlighted below:

Startupmitra Portal - The main objective of the ‘www.sidbistartupmitra.in’ portal is to bring all the stakeholders in the start-up eco-system namely start-up entrepreneurs, incubators, investors (angel investors/ Venture Capital Funds), advisors, Industry Bodies and banks together through the electronic platform as well as to serve as a single window for providing solutions to various needs of the start-ups. The platform facilitates entrepreneurs to engage with incubators, investors, mentors and other stakeholders besides providing information on various government schemes for the benefits of start-up.

Standup Mitra Portal – The portal ‘www.standupmitra.in’ facilitates bank loan between `10 lakh to `1 crore to at least one SC/ST and one women borrower per bank branch for setting up Greenfield enterprises in manufacturing, services or trading activities. The portal acts as a virtual market place with eased business leads, standardized application with entire annexures downloadable in one go, enable applicant to revisit and submit edited applications, reduced reporting/M&E involvements and so on. The maximum rate of interest under the scheme is capped at MCLR + 3% plus tenure premium.

Udyamimitra Portal – Under the ‘www.udyamimitra.in’ portal, financial assistance is provided for all enterprise loans including MUDRA loans upto `10 lakh and MSME loans for amount beyond `10 lakh and upto `1 crore for existing and new enterprises. portal has been set up to leverage IT architecture of Stand-up Mitra portal which aims at instilling ease of access to MSMEs’ financial and nonfinancial service needs. The Portal, as a virtual market place endeavours to provide 'End to End' solutions not only for credit delivery but also for the host of credit-plus services by way of hand holding support, application tracking, multiple interface with stakeholders (i.e. banks, service providers, applicants)

MUDRA Mitra App – ‘MUDRA Mitra’ is a mobile phone application providing information regarding ‘Micro Units Development and Refinance Agency Ltd. (MUDRA)’, a wholly owned subsidiary of SIDBI and its various products/schemes. It will guide a loan seeker to approach a banker in availing MUDRA loan under Pradhan Mantri Mudra Yojana (PMMY). Users can also access useful loan related material including sample loan application forms.

SIDBI MITRA App – As part of its digital initiatives, SIDBI developed new mobile app. ‘SIDBI Mitra’ to facilitate mobility in viewing customer accounts, providing direct channel to customers to interact with the Relationship Managers (RM) and raising other service requests, etc.

SmallB website – SIDBI-developed website ‘www.smallB.in’ is a virtual mentor and handholding forum for the potential / budding and even existing entrepreneurs. The website is quite exhaustive, covering various aspects such as scouting for business opportunities, understanding various forms of business organizations, basics of legal aspects, Business Plan preparation, understanding various requirements for obtaining credit from banks / Financial Institutions, knowing policies and regulations, schemes and incentives offered by the Central and State governments etc. The website is a valuable source of information to budding / existing entrepreneurs.

Every risk is worth taking as long as it’s for a good cause and contributes to a good life.

– Richard Branson

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The Ministry of MSME has approved a scheme of Special Credit Linked Capital Subsidy Scheme (SCLCSS) under National SC/ST Hub Scheme to facilitate purchase of plant & machinery by providing 25% upfront capital subsidy (limited to maximum of `25 lakh) to the existing as well as new SC/ST owned Micro and Small Enterprises. The move aims to give a push to SC/ ST entrepreneurs in up-gradation of Technology. The maximum eligible loan under this scheme is `1 crore for capital investment in Plant & Machinery.

The Central Government Ministries or Departments or Public Sector Undertakings shall continue to procure items reserved for procurement exclusively from MSE, presently 358 (three hundred and fifty eight) items including eight items of Handicrafts, from Micro and Small Enterprises.

The Cabinet Committee on Economic Affairs (CCEA) has approved Industry-Academia Collaborative Mission for accelerating discovery research to early development for biopharmaceuticals - "Innovate in India (13) empowering biotech entrepreneurs & accelerating inclusive innovation" to be funded by the Government of India. The key focus areas of the program would aid in preparing India's technological and product development capabilities in the biopharmaceutical sector to a level that it is globally competitive over the next 10-15 years and will transform the health standards of India's population through affordable product development.

The Ministry of MSME decided that in case of a company or a limited liability partnership or a cooperative society or society or a trust, the companies with turnover above `20 lakh per annum should specify the PAN of the organisation along with Aadhaar Number in the Udyog Aadhaar

Memorandum (UAM). This will be implemented after 2 months of GST coming into operation.

Jammu and Kashmir Government announced a set of measures to ease the process of setting business in the state. The announcements include the elimination of cumbersome process of seeking NOC’s from different departments, simplifying it to one window clearance. A one-page declaration at the time of setting up of the unit will suffice.

The Madhya Pradesh government exempted MSMEs from depositing earnest money in departmental tenders. The move aims to boost participation of MSMEs in tenders and also resolve the delay in payments issue.

Union MSME Minister launched the My KASSIA Mobile App and a MSME Handbook in Kannada in Bengaluru. These initiatives will help in faster dissemination of information among entrepreneurs. The app is exclusively for KASSIA members and MSMEs.

The Karnataka Government approved the ‘Karasamadhana Scheme 2017’ which aims to reduce arrears of tax and other amounts due. Under the Karasamadhana Scheme 2017, dealers would get waiver of 90% of arrears of penalty and interest payable by a Dealer under the Karnataka Sales Tax Act 1957 (KST Act) and Central Sales Tax Act (CCST Act) relating to the years up to March 21, 2005. The scheme also gives waiver of 90% of arrears of penalty and interest payable by a Dealer under the Karnataka Value Added Tax Act 2003 relating to the assessment/ re-assessment orders passed under the provisions of tax periods relating to all the years commencing from 01/04/2005 upto 31/03/2016 and assessment/ reassessment orders passed under CST Act for the tax periods relating to all the

एमएसएमई नी तयाँ एवं खबर

MSME POLICIES & NEWS

Build your own dreams, or someone else will hire you to build theirs – Farrah Gray

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years commencing from 01/04/2005 upto 31/03/2016.

The Dept. of Revenue, Ministry of Finance has come up with a dedicated a Twitter Handle @askGST_GoI to address queries of taxpayers related to Goods & Services Tax (GST). All taxpayers and other stakeholders are welcome to direct their queries related to GST.

The IT and Business Process Management Body NASSCOM has set up its first Small and Medium Enterprises (SME) council for a term of two years 2017-19, with an aim to help the SME sector tackle challenges. It further intends to increase the overall revenue of the sector in order to establish footprint globally.

The Government of India has amended the definition of a Start-up. The revised definition of start-up is as under:

An entity shall be considered as a start-up:

If it is incorporated as a private limited company / registered partnership firm / limited liability partnership in India.

Upto seven years from the date of its incorporation / registration; however for bio-technology start-ups the period shall be upto 10 years,

If its turnover for any of the financial years since incorporation / registration has not exceeded `25 crores.

If it is working towards innovation, development or improvement of product / process / services or if it is a scalable business model with a high potential of employment generation or wealth creation.

Odisha’s first Mega Food Park, M/s. MITS Mega Food Park Pvt. Ltd., has been inaugurated at Rayagada, Odisha. The food park has facilities of fully operational industrial sheds for SMEs along with developed industrial plots for lease to food processing units. This is the 7th Mega Food Park operationalized in the last 3 years. The Mega Food Park will leverage an additional investment of about `250 crore in 25-30 food processing units in the park and generate a turnover of about `450-500 crore annually. The Park will also provide direct and indirect employment to 5,000 people and benefit about 25,000 farmers in the Central Processing Centre (CPC) and Primary Processing Centers (PPC) catchment areas. Government of India has provided a financial assistance of `50 crore to the project.

The Government has decided to implement "Digital MSME" Scheme for promotion of Information & Communication Technology in MSME Sector with a total budget of `85.70 crore including Government of India’s contribution of `58.10 crore during 2017-18 to 2019-20. The scheme envisages promotion of ICT applications to make them "Digital" by adopting new approach of Cloud Computing with the objectives to sensitize and encourage MSMEs towards new approach. Under this scheme, large number of MSMEs would be benefited in terms of standardization of their business processes, improvement in delivery time, reduction in inventory carrying cost, improvement in productivity and quality of production, controlling of cost & time, improved customer satisfaction etc. through cloud computing.

The best way to predict future is to create it. – Peter Drucker

एमएसएमई नी तयाँ एवं खबर

MSME POLICIES & NEWS

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स बी वारा नए शाखा प रसर का उ घाटन एवं एमएसएमई ाहक हेतु संवाद संगो ठ का आयोजन

कुमाऊँ े म ि थत एमएसएमई को बेहतर तर के से अपनी व तीय तथा गैर व तीय सेवाएँ दान करने हेतु स बी, पुर व तार शाखा कायालय को नए प रसर म थानांत रत क गयी िजसका उ घाटन ी मनोज म तल, उप- बंध नदेशक, सडबी के कर कमल वारा संप न हुआ। इस अवसर पर ी वकास िजंदल, अ य (केजीसीसीआई) एवं पीएचडी चबर ऑफ कॉमस के ी राजीव घई एवं शहर के ति ठत उ यमी उपि थ त थे। इसके अलावा स बी के व र ठ अ धकार ी स य काश संह, महा बंधक ( े ीय भार , नई द ल े ) एवं ी शांत सरदार, उप-

महा बधंक, देहरादून शाखा कायालय एवं अ य अ धकार भी उपि थत रहे। त प चात, ी म तलजी क अ य ता म एक ाहक संवाद गो ठ का आयोजन कया गया िजसमे कुमाऊँ े के व नमाण एवं सेवा े म काय कर रहे 50-

60 उ य मयो ने भाग लया। ी म तल वारा उनके वशेष उ बोधन म इस बात क जानकार द गयी क कस कार स बी व तीय े म माकट-मेकर क भू मका का नवाहन कर रहा है। ी म तल ने भारत सरकार क कई मह वाकां ी योजनाओं जैसे क सीजीट एमएसई, टड-अप इं डया, मु ा आ द के काया वयन एवं सफल संचालन म स बी का मह वपूण योगदान पर बल दया। साथ ह उ होने एमएसएमई के सशि तकरण के लए तब स बी वारा इस कार के कई और काय को करने क तब ता जा हर क एवं इस संबंध म उ य मयो के

सुझाव भी आमं त कए। इस अवसर पर नई द ल े ीय कायालय के भार एवं महा बंधक ी स य काश संह ने बताया क

सडबी वगत कई वष से एमएसएमई को व भ न कार क योजनाओं एवं उनक ज़ रत के हसाब से नत नए व तीय उ पाद को उन तक पहु ंचाने का काय करता रहा है एवं भ व य म भी एमएसएमई क व तीय आव यकताओं को पूरा करने म यासरत रहेगा। उ होने व भ न उ योग संघ के साथ मलकर े क एमएसएमई क आव यकत को पूरा करने पर

ज़ोर दया एवं कुमाऊँ गढ़वाल चै बर ऑफ कॉमस एंड इंड को इस संबंध म समझौता ापन करने का

ताव दया। इस अवसर पर उ योग संघ के त न ध, बक शाखाओं के त न ध एवं शहर के ति ठत उ यमी शा मल रहे। काय म का समापन

ध यवाद ापन के साथ हुआ।

केल, लखनऊ म जीएसट कायशाला

उ तर देश माइ ोफाइनांस एसो सएशन (यूपीएमए) ने 29 मई, 2017 को केल, सडबी, लखनऊ म पीएसआईजी काय म के त वावधान म “अ प व त सं थाओं के लए व तु एवं सेवा कर (जीएसट ) पर जाग कता कायशाला” आयोिजत क । इस कायशाला का उ घाटन ी वी. वा टे, आईआरएस, क म नर, सीमा शु क एवं के य उ पाद, उ तर देश ने कया। ी काश कुमार, महा ब धक, सडबी, लखनऊ ने

अपने प रचया मक उ बोधन के मा यम से कायशाला क दशा तय कर द । इस कायशाला म उ तर देश रा य म प रचालन कर रहे 15 से अ धक अ प व त सं थाओं के व त एवं कर मामल को देख-रेख कर रहे व र ठ अ धका रय ने ह सा लया। इस कायशाला का उ े य माइ ोफाइनांस सं थाओं म जीएसट के बारे म जाग कता पैदा करने के अलावा इसका इन सं थाओं एवं उसके कारोबार पर पड़ने वाले सम भाव तथा टै स के नए दौर म बदलाव करने हेतु

उ चत तैयार के बारे म जानकार देना था। ी अनूप संह, ब ध माइ ोफाइनांस एवं अ य , यूपीएमए ने तभा गय को संबो धत कया और ध यवाद ापन

दया।

घटना म

EVENTS

I knew that if I failed I wouldn’t regret that, but I knew the one thing I might regret is not trying. – Jeff Bezos

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4th India Industrial Fair at Rajkot

SIDBI co-sponsored 4th India Industrial

Fair organized by Laghu Udyog Bharti

during April 26-29, 2017 at Rajkot. The

Fair was inaugurated by Hon. Chief

Minister Shri Vijaybhai Rupani on April

26, 2017. During the fair, a session on

“various financial options for MSME” was

taken by Shri Amit Kumar Sethi, Asst.

General Manager, SIDBI, Rajkot where

various schemes such as Make in India,

SMILE, MUDRA, Stand-up India etc. were

explained to the visitors.

SIDBI participated in ‘Digital Financial

Awareness campaign’

SIDBI Indore participated in the PSIG-

SIDBI supported state level launch

campaign for "Digital Financial awareness"

on May 05, 2017 at Sagar, Madhya

Pradesh. The programme was organised by

MFIN and inaugurated by Hon'ble Shri

Bhupendra Singh Thakur, Home Minister,

Government of Madhya Pradesh, While

inaugurating the programme, Shri Thakur

highlighted various initiative of GoI and

GoMP and role of MFIs to reach the

unbanked population through MUDRA

loans. Shri Anil Kulkarni, General Manager,

SIDBI, Indore addressed the gathering

about various initiatives of SIDBI to

promote micro finance and deepening

financial inclusion drive of government

through microfinance institutions.

MSME Cluster Intervention Programme by

SIDBI at Ludhiana

SIDBI has initiated a 3-year MSME Cluster

Intervention Programme (M-CIP) in 5

MSME clusters viz. Agartala (Tripura -

bamboo), Bhagalpur (Bihar - textile),

Coimbatore (Tamilnadu - engineering),

Rajkot (Gujarat - engineering & foundry)

and Ludhiana (Punjab - textile, knitted

apparel) with a view to fill the financial

and non-financial gaps in these clusters.

The inaugural program in Ludhiana was

held on May 12, 2017. SIDBI has assigned

the work to Apex Cluster Development

Services (ACDS). Shri Prasenjit

Chowdhury, Dy. General Manager, SIDBI,

Ludhiana attended the programme and

informed about various assistance schemes

of SIDBI. The program was attended by 80

participants from knitted and apparel

cluster.

घटना म

EVENTS

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World Trade Day Maharashtra in Kolhapur

As a part of giving impetus to local

manufacturing World Trade Centre,

Mumbai organized sixth in series of World

Trade Day Maharashtra in Kolhapur on

May 27, 2017 in association with

Kolhapur Engineering Association. World

Trade Day Maharashtra is a unique and

extensive programme of the World Trade

Centers across the world. The theme of the

programme was Accessing Global Markets

for Engineering Products. Shri Bhagwan

Chandnani, Asst. General Manager, SIDBI

Kolhapur informed the participants about

various schemes of assistance of the Bank

for MSMEs. The participants were told

about the available financial avenues in the

form of MUDRA and Stand Up India

schemes of Government of India for

women and SC/ST entrepreneurs.

Interactive Session on "Scale up Funding"

An interactive session was organised by

The Coimbatore District Small Industries

Association (CODISSIA) on May 20, 2017.

The interaction aimed at sensitizing the

members of CODISSIA about the various

options available for growth funding. Shri

Rahul Priyadarshi, General Manager, SIDBI

made a presentation on SIDBI’s Scale up

Funding for MSMEs. Several queries were

raised by the members present which was

clarified by Shri Priyadarshi. Presentations

on Crowd Funding and Angel Funding

were also made by different experts in

their filed.

Shri Allada Srinivasa, General Manager,

Coimbatore and Shri P. S. Manoj, Dy.

General Manager were also present during

the interactions.

Workshop on Cleaner Energy Technologies

for Sustainable Development of SME Sector

A one-day National Workshop on Cleaner

Energy Technologies for Sustainable

Development of SME Sector sponsored by

SIDBI was organized by National Institute

of Micro, Small and Medium Enterprises

(Ni-MSME) in association with SIDBI on

May 3, 2017. Around 50 participants viz.,

entrepreneurs, NGOs, Clusters, Industry

Associations, start-up entrepreneurs,

technical institutions and other

stakeholders attended the programme.

Shri Ravindran A. Lakshmanan, Dy.

General Manager, SIDBI, Hyderabad

stressed the importance of MSME sector in

the growing economy like India and the

घटना म

EVENTS

If you want to go fast, go alone. If you want to go far, go together. – African Proverb

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need for inculcating entrepreneurship to

start a successful venture. He explained

various schemes of SIDBI, Stand-up India

and Start-up India along with other

schemes.

सडबी, कानपुर को राजभाषा शी ड पुर कार

सडबी, कानपुर को नगर राजभाषा काया वयन

स म त, कानपुर वारा व तवष 2016-17 के लए

राजभाषा शी ड तयो गता म वतीय पुर कार ा त

हुआ है। इस अवसर पर ी मनोज चु नीलाल ड ंगरा,

सहायक महा बंधक, सडबी, कानपुर शाखा कायालय

ने पुर कार हण कया।

सडबी चे नै को ह द तयो गताओं म पुर कार

नगर राजभाषा काया वयन स म त (बक), चे न ै के

त वावधान म व भ न बक वारा आयोिजत अंतर-

बक ह द तयो गताओं के वजेताओं को पुर कृत

करने हेतु दनांक 16 मई, 2017 को नगर राजभाषा

काया वयन स म त (बक) (नराकास) क ओर से

पुर कार वतरण समारोह का आयोजन कया गया।

इस अवसर पर सडबी, चे नै वारा भी नराकास के

त वावधान म दनांक 21.12.2016 को “श द और

उनके अथ तयो गता” का आयोजन कया। व भ न

बक वारा आयोिजत अंतर-बक ह द तयो गताओं

म सडबी, चे नै क सहभा गता रह और पुर कार भी

जीत। सडबी चे नै के े ीय मुख ी वी. ीधर, ी

के. वी. गोपीकृ ण, उप महा बंधक ने नराकास अ य

के कर-कमल से पुर कार हण कया।

सडबी, मु ंबई वारा ह द कायशाला का आयोजन

राजभाषा वभाग, गृह मं ालय, भारत सरकार वारा

जार हंद काया वयन संबंधी दशा नदश के अनुकूल

एवं धान कायालय, सडबी के अनुदेश के अनुसरण

म मु ंबई म 26 मई, 2017 को एक एक- दवसीय हंद

कायशाला का आयोजन कया गया। चालू व तवष क

थम हंद कायशाला म कुल चार स नधा रत कए

गए थ,े यथा "राजभाषा नी त, सां व धक उपबंध,

राजभाषा अ ध नयम एवं नयम", "मानक वतनी एवं

यावहा रक याकरण", " हंद ट पण एवं ा पण"

और "नेमी ट प णयाँ - अ यास"। कायशाला का

उ घाटन ी अतुल कुमार र तोगी, उप महा बंधक

( हंद ) ने कया। सभी स के दौरान, हंद क कृ त

से जुड़े रोचक-त य को भी वचार- व नमय के समय

स मुख रखा गया।

I like thinking big. If you’re going to be thinking anything, you might as well think big. – Donald Trump

xi

म पोटल पर हट क सं या/ No. of hits on Mitra portal(s) Standupmitra : 17.68 lakh Udyamimitra : 3.15 lakh

पंजीकरण/ Registration 45,697

ऋण आवेदन/ Loan Applications 42,586 Nos. (SUI, MUDRA and MSME Loans); online – 7,602

वीकृत ऋण/ Sanctioned Loans 36,708 Nos. (SUI, MUDRA and MSME Loans); online – 1,818

सं वत रत ऋण/ Disbursed Loans 27,240 Nos. (SUI, MUDRA and MSME Loans); online – 1,452

जवाब दए गए हडहोि डंग अनुरोध क सं या/ Handholding requests responded 8,227 requests

ई-बाज़ार पर उपल ध स य बक शाखाओं क सं या/ No. of active bank branches available on e-Marketplace

1.07 lakh of 102 Banks

ऋण उ मीदवार क सेवा के लए स य हडहोि डंग एज सय क सं या/ No. of active handholding agencies attending to loan aspirants

5,641

The portal is evolving as a universal portal for all enterprise loans and handholding services:- Special Credit Linked Capital Subsidy Scheme (SCLCSS) for MSEs under National Scheduled Castes and Scheduled Tribes Hub Scheme The scheme aims at facilitating purchase of plant & machinery by providing 25 per cent upfront capital subsidy to the existing as well as new SC/ST owned MSEs on institutional finance availed of by them. The objective of this scheme is to promote new enterprises and support the existing enterprises in their expansion for enhanced participation in the public procurement. For details, please visit https://www.standupmitra.in/Home/SubsidySchemesForSCST. Calendar of Events The calendar of events is serving as access point for aspirants where they can know about the handholding agency as also their programme schedules. Now Hand holding agencies can add their profile, schedule of charges or any other relevant document, which can be viewed by the applicant while choosing the agency. Applicants can see the calendar against each HH agency by clicking on the calendar icon. It would help them to select the agency based on programmes organized by these agencies. All SIDBI offices are entering their aligned activities on calendar of events. Improved user experience – additional tech features Messaging module has made available concurrently with the application/hand holding requests which facilitates easy texting

leading faster communication while viewing the application itself. Loan application forms made attractive using graphical content and banners to provide user with rich experience. NCGTC rule engine has been made available for

MUDRA loan applications, which facilitate the banker to ascertain the tentative availability of guarantee coverage upfront.

Financial Literacy Week (June 05-09, 2017) RBI has initiated a special drive to emphasize the importance of financial literacy and observing June 5-9, 2017 as ‘Financial Literacy Week’ across the country. It is an endeavor to reach out to the common man during the Financial Literacy week and sought the whole hearted co-operation from the banking fraternity in making this event a grand success. SIDBI Branch Offices are actively participating in the drive. You would be happy to note that www.udyamimitra.in has been made integral part of the poster.

Empower Entrepreneurs through www.standupmitra.in & www.udyamimitra.in

म पोटल के मा यम से डिजटल समाधान/ Digital Solutions through Mitra Portals Update as on May 31, 2017

xii

भारत सरकार

मं मंडल स चवालय लोक शकायत नदेशालय

या आप अनसुलझी शकायत से परेशान ह? आप लोक शकायत नदेशालय के काय े के अंतगत मं ालय / वभाग और संगठन से संबं धत शकायत के समाधान के लए लोक शकायत नदेशालय क सहायता ले सकते ह। पछले कुछ साल म, इस नदेशालय वारा उठाई गई लगभग न बे तशत शकायत का

संतोषजनक समाधान कया गया है।

अपनी शकायत दज कराने से पहले कृपया नीचे द गई शत को यानपूवक पढ़:- आपने अपनी शकायत को संबं धत वभाग के सम समाधान हेतु तुत कर लया हो। आपक शकायत सेवा मामले ( े युट , जीपीएफ इ या द जैसे सेवांत हतलाभ के भुगतान के अलावा), संबं धत वभाग

के मं ी के तर पर नपटाए गए मामले, वा णि यक अनुबंध, यायाधीन मामले, ऐसे मामले जहां नणय लेने के लए अध या यक प त और अपील य याएँ नधा रत क गई ह, आरटआई मामले, धा मक मामले से संबं धत न हो।

कसी भी कार के सुझाव को शकायत के प म नह ं माना जाएगा।

लोक शकायत नदेशालय के काय े के अंतगत आने वाले मं ालय / वभाग / संगठन क सूची (क) (ख) (ग)

(घ)

(ड.)

(च)

(छ)

रेल मं ालय डाक वभाग बीएसएनएल और एमट एनएल स हत दूरसंचार वभाग द ल वकास ा धकरण, भू म और वकास कायालय, सीपीड यूडी और स पदा नदेशालय स हत शहर वकास मं ालय। पै ो लयम और ाकृ तक गैस मं ालय, इसके सावज नक े के उप म स हत।

भारतीय वमानप तन ा धकरण और एअर इं डया स हत नागर वमानन मं ालय। के य मा य मक श ा बोड, क य व यालय संगठन, रा य मु त व यालयीन सं थान, नवोदय व यालय स म त, के य व व व यालय सम व व व यालय (के य) और मानव संसाधन वकास मं ालय क छा वृ ि त क म।

(ज) (झ) ( ) (ट)

(ठ) (ड)

(ढ)

(ण) (त) (थ)

सावज नक े के बक सावज नक े के बीमा कंप नया ंव त मं ालय क रा य बचत क म म और रोजगार मं ालय के अंतगत कमचार

रा य बीमा नगम नयं त ईएसआई अ पताल और औषधालय। कमचार भ व य न ध संगठन। वदेश मं ालय के अंतगत े ीय पासपोट ा धकरण। वा य और प रवार क याण मं ालय के अंतगत

क य सरकार वा य योजना पयटन मं ालय युवक काय म मं ालय पोत प रवहन, सड़क प रवहन और राजमाग मं ालय

नोट : आप हमार वेबसाईट http://dpg.gov.in पर अपनी शकायत ऑनलाइन दज कर सकते ह। आप अपनी

शकायत, स पूण सूचना और संगत द तावेज क साथ हम डाक/फ़ै स या ईमेल

वारा भेज सकते ह।

हमसे यहाँ संपक कर:- स चव, लोक शकायत नदेशालय, दूसरा ताल, सरदार पटेल भवन, संसद माग, नई द ल – 110001 दूरभाष: 011 – 23743139, 011-23741228, 011-23363733 फ़ै स: 011- 23345637

xiii

Government of India

CABINET SECRETARIAT DIRECTORATE OF PUBLIC GRIEVANCES

Unresolved Grievances Bothering You?

You may seek help of Directorate of Public Grievances (DPG) in resolution of

grievances relating to Ministries/Departments and Organisations under its

purview. In last few years, nearly ninety percent of the grievances taken up by the

Directorate have been resolved favourably.

Please read carefully the conditions listed below before lodging your grievance: • You should have exhausted the Departmental remedies for individual grievances.

• Your grievance should not relate to service matter (other than payment of terminal benefits like

gratuity, GPF etc.), a case disposed of at the level of Minister of the concerned Department, commercial

contract, a sub-judice case, a case where quasi-judicial procedures and appellate mechanisms are

prescribed for decision making, RTI matter, Religious matter.

• Suggestion of any sort will not be treated as grievance.

List of Ministries/Departments/Organizations under DPG's purview

(a) Ministry of Railways (i) Public Sector Banks (b) Department of Posts (j) Public Sector Insurance Companies (c) Department of Telecommunications

including BSNL and MTNL (k) National Saving Scheme of Ministry of Finance

(d) Ministry of Urban Development including Delhi Development Authority, Land & Development Office, CPWD and Directorate of Estates

(l) ESI hospitals and dispensaries directly controlled by Employees State Insurance Corporation under Ministry of Labour and Employment.

(e) Ministry of Petroleum and Natural Gas including its Public Sector Undertakings

(m) Employees' Provident Fund Organization

(f) Ministry of Civil Aviation including Airports Authority of India and Air India

(n) Regional Passport Authorities under Ministry of External Affairs

(g) Ministry of Shipping, Road Transport and Highways

(o) Central Government Health Scheme under Ministry of Health and Family Welfare

(h) Ministry of Tourism (p) Central Board of Secondary Education, Kendriya Vidyalaya Sangathan, National Institute of Open Schooling, Navodaya Vidyalaya Samiti, Central Universities, Deemed Universities (Central) and Scholarship Schemes of Ministry of Human Resource Development.

(q) Ministry of Youth Affairs

Note: You can lodge your grievance online on our website http://dpg.gov.in. You may also send your grievance to us by post or fax with complete information and relevant documents.

Contact us at : The Secretary, Directorate of Public Grievances, 2nd Floor, Sardar Patel Bhawan, Sansad Marg, New Delhi -110004 Tel: 011-23743139, 011-23741228, 011-23363733. Fax. 011-23345637, e-mail:secypg@nicin Website: http://dpg.gov.in

xiv

संपादक य स म त मु य संपादक – ी रबीं कुमार दास, मु य महा बंधक, सडबी संपादक म डल – ीमती च ा आलै, महा बंधक, सडबी ी राहु ल यदश , महा बंधक, सडबी डॉ. शु ांश ुशेखर आचाय, महा बंधक, सडबी

Editorial Committee Chief Editor – Shri Rabindra Kumar Das, Chief General Manager, SIDBI Editors – Smt. Chitra Alai, General Manager, SIDBI

Shri Rahul Priyadarshi, General Manager, SIDBI Dr. Subhransu Sekhar Acharya, General Manager, SIDBI

अ वीकरण इस अंक म दए गए वचार, समाचार, ट प णयाँ, सूचनाएँ, लेख और वचार मु य प से वैि वक और रा य तर के व भ न ोत , जैसे - ऑनलाइन, यि तगत प से और मु त ोत के मा यम से उपल ध समाचार / वचार के संयोजन पर आधा रत होते ह एवं ये ज़ र नह ं है क वे भारतीय लघु उ योग वकास बक ( सडबी) के वचार ह । य य प कसी भी गलती या चूक से बचने के लए हर संभव यास कया गया है, तथा प इस काशन म दए गए ववरण , वचार , राय, ट प णय आ द क ामा णकता के लए या कसी भी गलती/भूल-चूक के लए सडबी उ तरदायी नह ं होगा।

Disclaimer The views, news, comments, information, articles and opinions contained herein are mainly based on collation of different news / views available from sources, such as, online, in person and printed resources – both globally and nationally, and thereof are not necessarily the views of the Small Industries Development Bank of India (SIDBI). While every effort has been made to avoid any mistake or omission, SIDBI would not be, in any way, liable for the authenticity of data, views, opinions, comments, etc. and for any mistake / omission or commission in this publication or any nature, whatsoever.

पुन तु त क अनुम त लेखक(क ) क पूव-अनुम त के बना कसी भी का शत लेख या उसके ह से को कसी भी प म पुन: तुत नह ं कया जाना चा हए।

Permission to Reproduction

No published article or part thereof should be reproduced in any form without prior permission of the author(s).

प का को समृ बनाने के लए आपके सुझाव और त याओं का वागत है। सुझाव और त याएँ msme@sidbi.in पर भेजी जा सकती ह।

We welcome your suggestions and feedback for enrichment of the magazine. The suggestions and feedback may be sent to msme@sidbi.in.

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