Icib Msme

GOVERNMENT SCHEMES
FOR MSME
FOR TRADERS, MANUFACTURERS,
& SERVICE INDUSTRIES
For Internal Circulation Only
Indian Chamber of International Business
Published on: January 2021

By : Corpfeed
President’s Connect
The world was a changed place due to the COVID19 pandemic. India is
emerging from the pandemic successfully and the onus of the same lies
on the entrepreneurship capabilities of Indians and their ability to adapt
to change since generations. MSME stands for Micro, Small and Medium
Enterprises. MSME companies are the backbone of the country and
contribute to nation building by creating jobs, deploying capital and
ensuring that the nation grows as a whole. The majority of
industrialization of India can be attributed to the efforts of the MSME
companies. The Government of India has been supportive by providing
support and assistance to this sector to compete globally and adapt to
the ever changing global scenario. The government provides some
schemes, guidance, rebates and/or counselling to the companies in this
sector. The criteria for MSME companies were recently reclassified and
now there is no difference between manufacturing and service enterprises.
Indian chamber of international business in its effort to support and

assist MSME companies has collaborated a detailed list of government
schemes and assistance from authentic government sources for
companies in this sector. We hope that this will be a helping hand in
these times and give the much needed shot in the arm to stand back on
the exponential growth trajectory of nation building. .
Manpreet Singh
President
Note: No part of this document is to be reproduced without prior written
approval from Indian chamber of international business by clearly
mentioning the purpose of the same.
Introduction to Indian Chamber of International Business
Indian Chamber of International Business is one of the leading organizations

in India that supports and assists Micro, small and medium companies to
grow globally by means of increasing exports, importing the latest
technologies and machinery, encouraging joint ventures with leading
international companies, investing in developing and developed markets for
growth and expansion, all while ensuring protection and sustainability of
environment and our surroundings.
Indian Chamber of International Business (ICIB) was started in 2007 to
promote internationalization and globalization of the Indian MSME industry.
Over a period of time ICIB became instrumental in guiding industry and trade
of India, both under the manufacturing and service sectors to get a firsthand
experience of looking outward. This helped the industries to expand in
international regions from Americas to south East Asia over a period of time.
ICIB has been instrumental in promoting joint ventures, technology transfer,
import substitution, access to new markets for import of new technologies
and products for India and increasing the exports of the country to say the least.
ICIB promotes one to one interactions and custom services for all members of
the organizations and it has an outreach program in many parts of the globe. It
has partner organizations in 39 countries and 8 states of India in addition to other
supporting institutions globally. ICIB interacts with government and private
institutions both within India and abroad in support of its members and to take
the various issues to these agencies and governments. Broad sectors of interests
include Manufacturing, imports, exports, services etc. ICIB recognizes the
importance of promoting growth in services and manufacturing sectors and
provides several initiatives in wide variety of sectors such as health care,
tourism, education, engineering, communications, transportation, information
technology, banking, finance, management, renewable energy, waste
management among others.
INDEX
MSME SCHEMES FOR STARTERS:
1) Prime Minister’s Employment Generation Programme (PMEGP)
2) Credit Guarantee on Loans to Micro and Small Enterprises and New Entrepreneurs
3) Entrepreneurship and Skill Development Programme (ESDP)
4) Gram Udyog Vikas Yojna
NEW SCHEMES FOR MSME:
1) “Beekeeping Activity” under “Gramodyog Vikas Yojana (GVY)” Scheme
2) ‘Agarbatti Making Project’ under “Gramodyog Vikas Yojana (GVY)” Scheme
3) Rs. 3.00 Lakh crores loans to MSMEs: Collateral Free, Guarantee Free
4) Equity Infusion for MSMEs through Fund of Funds
5) Rs 20,000 crores Subordinate Debt for Stressed MSMEs
EXISTING SCHEMES (MINISTRY OF MSME):
1) Prime Minister’s Employment Generation Programme (PMEGP)
2) 2nd Loan for up-gradation of the existing PMEGP/MUDRA units
3) Credit Guarantee Scheme for Micro & Small Enterprises (CGTMSE)
4) Interest Subvention Scheme for MSMEs-2018
5) Credit Linked Capital Subsidy Component (CLCS & TU Scheme)
6) MSME Technology Centres (TCs) (Existing TCs + New TCs + Extension Centers spread
all over country)
7) Procurement and Marketing Support (PMS) scheme
8) International Cooperation (IC) Scheme
9) Public Procurement Policy for MSEs Order, 2012
10) Micro & Small Enterprises Cluster Development Programme (MSE – CDP)
11) A Scheme for Promotion of Innovation, Rural Industries and Entrepreneurship (ASPIRE)
12) Promotion of MSMEs in NER and Sikkim- a sub component of Central Sector Scheme
“Technology and Enterprise, Resource Center”.
13) ZED Certification Scheme
14) Lean Manufacturing Competitiveness for MSMEs
15) Design Clinic for Design Expertise to MSMEs
16) Digital MSME
17) Entrepreneurial and Managerial Development of SMEs through Incubators
18) Awareness on Intellectual Property Rights (IPR)
19) ESDP Scheme
20) Assistance to Training Institutions (ATI) Scheme
21) Science & Technology
22) Coir Industry Technology Upgradation Scheme
23) Export Market Promotion
24) Domestic Market Promotion
25) Trade & Industry Related Functional Support Services
26) ISEC
27) Strengthening of Infrastructure of Existing Weak Khadi Institutions and Assistance for Marketing Infrastructure
28) Rojgar Yukt Gaon
29) Honey Mission Programme / Beekeeping
30) National SC-ST Hub
INDEX
31- Scheme for Creation / Expansion of Food Processing &
Preservation Capacities (CEFPPC) under Pradhan
Mantri Kisan Sampada Yojana (PMKSY)
32 - I-CAN ATMANIRBHAR BHARAT SCHEMES REPOSITORY

Credit Guarantee Scheme for Sub-ordinate Debt (CGSSD)
33- I-CAN ATMA NIRBHAR BHARAT SCHEMES REPOSITORY

Emergency Credit Line Guarantee Scheme

Formalization Of Micro Food Enterprise

Marketing Assistance and Technology Upgradation

Marketing Support/Assistance to MSMEs (Bar Code)

MSME-Market Development Assistance

Pradhan Mantri Micro Units Development & Refining Agency (MUDRA)Yojana
39 - 2% Interest Subvention Scheme for MSMEs 2018
40 - Technology Centres(Tool Rooms & Technology

Development Centres)
41 - Scheme of Fund for Regeneration of Traditional

Industries (SFURTI)
42 - A Scheme for Promotion of Innovation, Rural

Industry and Entrepreneurship (ASPIRE)
43 - Design Expertise to manufacturing MSME sector
44 - Lean Manufacturing Competitiveness Scheme

(LMCS)
45 - Support for Entrepreneurial and Managerial

Development of MSMEs through Incubators
Extra Information :
1 - Udyam Registration
2 - CHAMPIONS
3 - MSME SAMADHAAN Portal
4 - MSME SAMPARK Portal
5 - Annexures
New Definition and Classification of MSME
The new classification of MSME's shall be effective from July 1, 2020.

This new classification has been introduced by the Government to boost
businesses and put to rest the growing fear among MSMEs of losing benefits
granted under the MSME Act on account of outgrowing the erstwhile
thresholds of classification.
MSME SCHEMES FOR STARTERS:
1- Prime Minister’s Employment Generation Programme (PMEGP) :
Eligibility & Conditions:
• PMEGP is a credit linked subsidy programme administered by the Ministry of Micro, Small and Medium
Enterprises (MoMSME).
• The scheme aims to generate employment opportunities in the rural as well as urban areas by setting up
of new self-employment ventures/ projects/ micro enterprises.
• The scheme aims to increase the wage earning capacity of artisans and contribute to increase in the
growth rate of rural and urban employment.
• The beneficiaries should have passed at least 8th Standard for setting up of projects costing above
Rs.10 lakhs in the Manufacturing Sector and above Rs.5 lakhs in the business/Service Sector.
No income ceiling for assistance.
• Per capita investment should not exceed Rs.1 lakhs in plain areas and Rs.1.5 lakhs in Hilly areas.
Production based co-operative societies, Self-help groups and charitable trust.
Existing units (under PMRY, REGP or any other scheme of government of India or state government)
The units that have already availed government subsidy under any other scheme of government of India
or state government.Any industry intending to produce products mentioned in the negative list.
Levels of lending under the scheme are mentioned below:
Categories of beneficiaries : Special Category (including SC/ ST/ OBC/ Minorities/ Women/ Physically
handi-capped/ hill and border areas) | General Category
Beneficiary’s contribution(of project cost) : 10% | 5%
Rate of Subsidy(of project cost) : Urban - 15%, 25% Rural - 25%, 35%
No collateral security will be insisted by banks for projects involving loan up to Rs.10 lakh
Rate of interest will be decided as per the discretion of banks

Repayment period lasts from 3 to 7 years including an initial moratorium decided by banks.
Age proof - Aadhaar Card
New Project Report detailing cost
Society Registration Certificate
Caste Certificate, if belonging to a special category
Previous Exam Certificate - needed for setting up projects costing more than Rs.10 lakhs in
manufacturing and Rs. 5 lakhs in business/service sector.
EDP training certificate, if already undergone.
Register your organization/ SHG/ Cooperatives under the Societies Act.

After receiving the registration certificate, you may fill the online application at
https://www.kviconline.gov.in/pmegpeportal/pmegphome/index.jsp
Application along with the necessary documents can be submitted in any one of the offices of KVIC or
KVIB or DICs
District Task force Committee assesses your application and calls for an interview.
Task Force analyses the viability of your project, if satisfied passes your application to the bank
within 1 month.
Bank analyses the application and if sanctioned, the beneficiary has to deposit his/ her contribution of
the project cost in the bank.
In short, the programme teaches the skills required to initiate and maintain a business activity.
Bank mandates the applicant to complete 2 weeks of EDP Training.
Once the applicant submits the EDP Training certificate, the bank grants the first installment of loan.
Subsidy will be credited to the Borrowers loan account after three years from the date of first
disbursement to the borrower/institution, by the Bank.
Q. Whether cost of land includes in the project cost?

Ans: No
Q. What is the component of project cost?

Ans: Capital Expenditure Loan, one cycle of working capital and 10% of project cost as own contribution
in case of General category and 5% of project cost in case of weaker section.
Q. Whether EDP training is compulsory?

Ans: EDP training of 10 working days for Project cost More than 5.00 lakhs and 6 Working days training
for up to Project Cost 5.00 lakhs to the beneficiary is compulsory.
Q. Whether an entrepreneur can submit more than one project ?

Ans: No
Q. Whether model projects are available?
Ans: yes, Industry wise model projects are available at kvic.org.in
Q. Can project be financed jointly from two different sources (Bank/Financial Institutions)?
Ans: No
Q. How the capital expenditure loan / Cash Credit Limit be utilized ?

Ans. Working Capital at least once should touch 100% limit of Cash Credit within three years of Lock-in
period of subsidy and not less than 75% of the utilization of the sanction limit on an average.
Q. What is lock in period for Govt. Subsidy?

Ans. 3 Years.
For further details, one can visit http://www.kvic.org.in , www.pmegp.in

2 - Credit Guarantee on Loans to Micro and Small Enterprises and New Entrepreneurs

•Existing Micro, small and service Entrepreneurs & Aspiring Entrepreneur all are eligible
Nature of Scheme:
•The scheme is implemented by Credit Guarantee Trust for MSE (CGTMSE);
•Credit guarantee for loans upto Rs. 2.00 crore, without collateral and third party guarantee;
•Guarantee coverage ranges from 85% (Micro Enterprise up to Rs 5 lakh) to 75% (others);
•Recently, guarantee coverage made eligible to select NBFCs and Small Finance banks;
•The extent of guarantee cover is 50% of the sanctioned amount of the credit facility for credit from
•Rs. 10 lakh to Rs. 100 lakhs per MSE borrower for retail trade activity.
•The extent of guarantee cover is 80% for (i) Micro and Small Enterprises operated and/or owned by
women; and (ii) all credits/loans in the North East Region (NER) for credit facilities upto Rs. 50 lakh.
•In case of default, CGTMSE settles the claim with the lending institutions.
Steps for Availing the Assistance:

•Apply through Member Lending Institutions (MLIs- Banks and NBFCs).
•List of MLIs are available at www.cgtmse.in
3 - Entrepreneurship and Skill Development Programme (ESDP)
The objective of the programme is to motivate the youth to consider self employment or entrepreneurship
as one of the career options. The ultimate objective is to promote new enterprises, capacity building of
existing MSMEs and inculcate entrepreneurial culture in the country. As per scheme guidelines, in EAP
and E-SDP there should be overall 40% women participation.
The programe includes the following :-

•(I) Industrial Motivation Campaigns (IMCs):-One day/Two days Industrial Motivation Campaigns are
organized to identify and motivate traditional / non-traditional entrepreneurs having potential for
setting up MSEs and for Clusters SPVs/ Industry Associations/ Chambers for propagating schemes
for MSMEs.
•(ii) Entrepreneurship Awareness Programmes (EAPs):- Entrepreneurship Awareness Programmes are
being organized regularly to nurture the talent of youth by enlightening them on various aspects of
industrial activity required for setting up MSEs. These EAPs are generally conducted in ITIs,
Polytechnics and other technical institutions, where skill is available to motivate them towards
self-employment.
•(iii) Entrepreneurship-cum-Skill Development Programme (E-SDP):-Comprehensive training
programmes are organized to upgrade skills of prospective entrepreneurs, existing workforce and
also develop skills of new workers and technicians of MSEs by organising various technical cum
skill development training programmes .
•(iv) Management Development Programmes (MDPs):- The objective of imparting training here is to
improve the decision-making capabilities of existing & potential entrepreneurs resulting in higher
productivity and profitability.
Vocational and Educational Training:

The Tool Rooms and Technology Development Centers (TDCs) of the Ministry conduct long term,
short term, trade/field-specific and industry-specific tailor-made courses as well as vocational
training programmes.
To Take advantage of this please contact our Development Institutes or Tool Rooms or our
control rooms which are spread all across the country.
4 - Gram Udyog Vikas Yojna

• Target beneficiary: Artisans, Unemployed Youth and Self Help Groups (SHGs)
• Eligibility criteria: Any person Traditional Artisans, Knowledge of Skill experience in Art and craft.
• Khadi and Village Industries Commission (KVIC) organises short duration specialized skill
development programme followed by distribution of tools and kits to start their micro/ small units
activities in local area.
As of now, following areas are covered by KVIC for assistance-:
1. 1. In Mineral based industry- electric potter wheel
2. In polymer and chemical industry- leather tool kit for repairs of footwear
3. In forest based industry- honey bee boxes
4. In Agro and food processing based industries -
a. Village oil industry-portable kachi ghani.....
b. Small kits for deseeding of tamarind etc.
5. Tools kits are also given in handmade paper, gur, and rural engineering
* Honey Bee Boxes are distributed by KVIC under Honey Mission also. (10 bee hives and bee
colonies to each beneficiary)
Steps for availing the Assistance:

1. Awareness program is done in an area with potential artisans and then through the advertisement,
perspective beneficiaries/Artisans are identified by the field offices of KVIC.
2. Skill development is organized consisting of the product development and value-added product
training
3. Practical training is organized for handling the tools and equipment to be provided.
4. On the last day of skill development program, the distribution of tool and kits done
5. Hand holding , technical back up and marketing linkage is provided on a regular basis.
NEW SCHEMES FOR MSME:
1 - ‘Beekeeping Activity’
under “Gramodyog Vikas Yojana(GVY)” Scheme
Objectives
• To adopt scientific Bee Management practices ;
• To utilize available natural resources in beekeeping ;
• To create sustainable employments for the beekeepers/farmers ;
• To provide supplementary income for /beekeepers/farmers
• To create awareness about Honey and other Hive Products
• To create awareness about the benefits of beekeeping in cross pollination
Nature of Assistance
• 5 days beekeeping training is provided to the beneficiary through various Training Centres/State
Beekeeping Extension Centres/ Masters’ Trainer as per prescribed syllabus.
• Assistance with Bee boxes, Tool kits etc.
Download Scheme Guidelines
Who Can Apply

• Persons in the age group between 18 years to 55 years; having Aadhar Card or Voters’ ID with
photographs etc.
• One person from one family will be eligible for 10 bee boxes, with bee colonies & tools kit (Bee veil,
smoker, Knife and hive tool)
• Persons already trained in beekeeping by KVIC/ KVIB /NABARD/KVK(s) /Agriculture - Horticulture
Boards/ Eligible Beekeeping NGO(s), etc. eligible to get the support of bee boxes with bee colonies
and tool kit.
• Persons who have availed benefits from other Govt. Schemes for the same/similar purpose will not
be eligible; the beneficiary shall give declaration to this effect.
How to Apply
• By responding to the advertisements to be given by the State/Divisional Directors of KVIC locally
through print & electronic media inviting applications along with project proposals from prospective
beneficiaries/SHGs etc.
• Concerned State Office, KVIC can be contacted to know the details.
Whom to contact
State Director, KVIC
Address available
at http://www.kviconline.gov.in
Jt. CEO, KVIC, Mumbai
Ph: 022-26714370
Email: ykbaramatikar[dot]kvic[at]gov[dot]in
2 - ‘Agarbatti Making Project’
under “Gramodyog Vikas Yojana(GVY)” Scheme
Objectives
• To revive Agarbatti industry in the country ;
• To enhance indigenous production of Agarbatti to reduce imports ;
• To impart training to the artisans working in the Agarbatti sector and assist them with Agarbatti
manufacturing machines, raw material for manufacturing Agarbatti. etc. ;
• To create sustainable employment for the traditional Artisans and increase their wages ; and
• To develop backward & forward linkages and hand holding support to the artisans & SHGs etc.
• 10 days’ Agarbatti skill upgradation free training (20 candidates per batch) by experienced/experts in
Agarbatti industry.
• Assistance with Agarbatti manufacturing machines, raw material for manufacturing Agarbatti. etc.
Download Scheme Guidelines
Who Can Apply
• Artisans in the age group of 18 years to 55 years having Aadhar Card/Voters’ ID with photographs
and Ration Cards, etc.
• One person from one family for pedal operated and two persons from one family for Groups activity
(SHGs) for automatic Agarbatti machine
• For SHGs or Groups, all the members will be trained.
• Persons already trained in Agarbatti making by KVIC/ KVIB /NABARD/KVK(s) /Training Centres
recognized by State or Central Govt. or Bank/ Eligible NGO(s), etc.
• Preference to be given to the artisans working with KVI institutions for production of Agarbatti .
• Persons who have availed benefits from other Govt. Schemes for the same/similar purpose will not
be eligible; the beneficiary to give declaration to this effect.
How to Apply
• By responding to the advertisements to be given by the State/Divisional Directors of KVIC locally
through print & electronic media inviting applications along with project proposals from prospective
beneficiaries/SHGs desirous of establishing the Pilot Projects/get training/machines etc.
• Concerned State Office, KVIC can be contacted to know the details.
Whom to contact
State Director, KVIC
Address available
at http://www.kviconline.gov.in
Jt. CEO, KVIC, Mumbai
Ph: 022-26714370
Email: ykbaramatikar[dot]kvic[at]gov[dot]in
3 - Rs. 3.00 Lakh crores loans to MSMEs: Collateral Free,
Guarantee Free
Description
• Businesses / MSMEs have been badly hit due to COVID19 need additional funding to meet
operational liabilities built up, buy raw material and restart business;
• Guarantee free and collateral free loans amounting to Rs. 3.00 Lakh crores have been approved;
• The Scheme is implemented by Department of Financial Services.
• Upto 20% of entire Outstanding credit as on 29.2.2020;
• Loans up to Rs. 25 cr. Outstanding and units upto Rs. 100 cr. turnover eligible;
• Loans to have 4 year tenor;
• 12 months moratorium on Principal repayment;
• Interest to be capped.
Salient Features
• 100% credit guarantee cover to Banks and NBFCs on principal;
• Scheme can be availed till 31st Oct 2020;
• No guarantee fee, no fresh collateral.
Expected Impact
• It is expected that about 45 lakh units can take benefit and resume business activity and safeguard
the employment of people.
Who Can Apply
• All businesses/ MSMEs are eligible.
How to Apply
• Through Banks, DFS and National Credit Guarantee Trustee Company Ltd (NCGTC).
DISTRESSED ASSETS FUND - SUBORDINATE DEBT SCHEME FOR MSMEs

Credit Guarantee Scheme for Subordinate Debt (CGSSD)
________________________________________
Description
• This Scheme seeks to extend support to the promoter(s) of the operational MSMEs which are
stressed and have become NPA as on 30th April, 2020;
• Promoter(s) in turn will infuse this amount in the MSME unit as equity and thereby enhance the
liquidity and maintain debt-equity ratio.
Guarantee for the sub-debt: 90% guarantee coverage would come from the scheme / trust and
remaining 10% from the concerned promoter(s);
The maximum tenor for repayment will be 10 years. There will be a moratorium of 7 years on
payment of principal.
Salient Features
• In a situation, where an outright loan is di¬cult, sub-debt with guarantee will provide the requisite
financing to the MSME Units,
• Subordinate debt will be of substantial help in sustaining and reviving the MSMEs which have either
become NPA or are on the brink of becoming NPA.
• Promoter(s) of the MSMEs will be given credit equal to 15% of their stake (equity plus debt) or
Rs. 75 lakh whichever is lower.
Expected Impact
• Provision for sub debt will be of Rs. 20000 crores which is likely to benefit two lakh MSMEs;
• A bigger number of MSME promoter(s) can do business without worry and avail present opportunities;
• With this help, the MSMEs will continue to function, provide jobs and contribute in National Economy.
Who Can Apply
• Operational MSMEs which are NPA or are stressed will be eligible
• Promoter(s) of such units can apply
How to Apply
• Promoter(s) of MSMEs meeting the eligibility criteria may approach scheduled commercial banks to
avail benefit under the scheme
4 - Equity Infusion for MSMEs through Fund of Funds
Description
• MSMEs face severe shortage of equity. The Fund of Funds will provide equity funding for MSMEs
with growth potential and viability with the ultimate aim of encouraging MSMEs to grow and get listed
on stock exchanges;
• VCs/PEs firms do offer early stage funding but very few of them provide growth stage funding;
• With Government intervention, this scheme would be able to intermediate different types of funds
into underserved MSMEs and address the growth needs of viable and high growth MSMEs.
Growth Funding to MSMEs through equity financing: GOI will support VC/PE firms in investing in
commercially viable MSMEs in meeting their growth requirements. The proposed fund of funds will
encourage private sector investments in the MSME sector and leverage Rs.50,000 crore. The actual
investment may be even higher.
Private funding leverage: Fund of Funds aims to achieve private funding leverage through the use
of professional fund managers with access to funding and strategic performance oversight.
This will help attract a wide range of investors, including financial institutions, corporate investors,
banks, other government funds, HNW individuals to invest into MSMEs.
Salient Features
• Under the scheme, there would be a Mother Fund, where Government of India will be Anchor
Investor;
• The Mother Fund can invest daughter funds who can deploy the investments in targeted MSMEs;
• This will create a partnership with MSMEs in their growth journey and enable them to grow bigger
and get listed on stock exchanges.
Expected Impact
• The scheme is expected to facilitate equity financing of Rs.50,000 crore in the MSME Sector
Who Can Apply
• All MSMEs are eligible
How to Apply
• Through Investor Funds onboarded and registered with proposed Fund of Funds
5 - Rs 20,000 crores Subordinate Debt for Stressed MSMEs
Objectives :
•Subordinate debt will provide a substantial help in sustaining and reviving the MSMEs which have
either become NPA or are on the brink of becoming NPA.
•Promoter(s) may infuse this amount in MSME unit as equity and thereby enhance the liquidity and
maintain debt-equity ratio.
•In a situation, where an outright loan is difficult, sub-debt with guarantee will provide the requisite
financing to the MSME Units,
Eligibility/ Applicability :
This Scheme seeks to extend support to the promoter(s) of the operational MSMEs which are
stressed and have become NPA as on 30th April, 2020;
Nature of Assistance :
•Promoter(s) of the MSMEs will be given credit equal to 15% of their stake (equity plus debt) or
Rs. 75 lakh whichever is lower.
•The maximum tenor for repayment will be 10 years. There will be a moratorium of 7 years on
payment of principal.
•Guarantee for the sub-debt: 90% guarantee coverage would come from the scheme / trust and
remaining 10% from the concerned promoter(s);
How to Apply
• MSMEs meetingtheeligibilitycriteriamayapproach eligible Banks.
Contact :
•Lending bank branch,
•CEO, CGTMSE, SIDBI, Swavalamban Bhavan, C-11, G- Block, BKC, Bandra (East), Mumbai 400051.
•Guidelines of this scheme can also be downloaded from :
http://dcmsme.gov.in/AccesstoCredit.htm https://champions.gov.in/MyMsme https://www.cgtmse.in/About_us.aspx
Email: ceosecretariat@cgtmse.in | Phone:(022):67221553, 67221483
For General Queries please contact: Toll Free No. : 1800222659
EXISTING SCHEMES (MINISTRY OF MSME):
1 - Prime Minister’s Employment Generation Programme
(PMEGP)
Objective
Encourage new entrepreneurs to set up micro-enterprises through credit-linked subsidy support
Key Benefits
• Bank financed subsidy program for setting up new micro-enterprises in non-farm sector.
• Margin Money subsidy on Bank Loan ranges from 15% to 35% for projects up to Rs. 25 lakhs in
manufacturing and Rs. 10 lakhs in service sector
• For beneficiaries belonging to special categories such as
SC/ST/Women/PH/Minorities/Ex-Servicemen/NER, the margin money subsidy is 35% in rural areas
and 25% in urban areas. The maximum cost of projects is Rs.25.00 lakh in the manufacturing sector
and Rs.10.00 lakh in the service sector.
Scheme applicable for
• Any individual above 18 years of age, SHGs, Charitable trusts, Registered Societies etc.
Detailed Information
• The own contribution of the beneficiary is 10% of the project cost in case of general category and
5% of the project cost in case of reserved category (SC/ST/OBC/PH/Women/Ex Servicemen/ NER)
beneficiaries.
• If the application for loan is approved, Banks sanction and release the balance amount of 90 to 95
percent of the total project cost suitably for setting up of the units by the beneficiaries.
• In order to have sustainability of the projects/units set up under the scheme, support services are
also provided in the form of Backward & Forward Linkages by organizing events like awareness
camps, workshops, EDP training to the beneficiaries, exhibitions, etc.
• Government of India has introduced online process flow of application and disbursement of Margin
Money directly to financing branches.
• Corporation Bank was engaged as a single National Level Agency for operating the online fund flow
system of PMEGP.
• One-page online application form is mandatory for individuals and institutional beneficiaries on the
e-portal. The application form/PMEGP MIS portal is mobile friendly. SMS/e-mail alerts sent to the
applicant automatically by the system or by the concerned officials at the process of each stage.
• Model Projects of different KVI activities have been put up on PMEGP e-portal for the benefit of
potential beneficiaries.
• Model Village Industries projects prepared by NSIC have also been linked to the website.
• To increase the registration of MSMEs in the country, the Government has undertaken measures
that the PMEGP units can adopt the Udyog Aadhar Memorandum (UAM) to register online.
2 . 2nd Loan for up-gradation of the existing
PMEGP/MUDRA units
Objective
Technology up-gradation and expansion of existing units through credit support
Key Benefits
• To fulfill the need of additional financial assistance for upgradation and expansion of successful/well
performing existing units
• Maximum subsidy would be 15% of the project cost (20% for NER and Hill States). The balance
amount of the total project cost is provided by Banks as term loan.
• Existing well performing PMEGP/MUDRA units
• Further financial assistance scheme for expansion/upgrade the existing PMEGP/MUDRA units for
manufacturing and Service/Trading units from the year 2018-19
• The maximum cost of the project under manufacturing sector for up-gradation is Rs.1.00 crore and
Rs.25.00 lakh under Service/Trading sector.
• Maximum subsidy would be 15% of the project cost (20% for NER and Hill States) i.e. Rs. 15.00 lakh
in Non-NER and Rs. 20.00 Lakh for NER and Hill States. The balance amount of the total project
cost are provided by Banks as term loan.
• All existing units financed under PMEGP/MUDRA schemes running successfully whose Margin
Money claim has been adjusted and the First loan (only CE) availed should have been repaid in
stipulated time and WC may be exempted.
• The units should have been making profit for the last three years.
• Beneficiary may apply to the same financing bank, which sanctioned the loan for their unit, or to any
other financing bank, which is willing to extend credit facility for second loan.
• The beneficiary can choose any implementing agency and that may be different from the agency
chosen for 1st loan.
• Registration of Udyog Aadhar Memorandum (UAM) is mandatory.
• The 2nd loan should lead to additional employment generation.
• On PMEGP e-Portal, a separate application link provided to submit the application under 2nd loan
for up-gradation.
3 - Credit Guarantee Scheme for Micro & Small Enterprises
(CGTMSE)
Objective
Credit support
Key Benefits
• Credit guarantee for loans upto Rs. 2 crore, without collateral and third-party guarantee.
• Guarantee coverage ranges from 85% (Micro Enterprise up to Rs 5 lakh) to 75% (others).
• 50% coverage is for retail activity.
• Existing Entrepreneurs & Aspiring Entrepreneurs
• Any collateral/third party guarantee free credit facility (both fund as well as non-fund based)
extended by eligible institutions, to new as well as existing Micro and Small Enterprises, including
Service Enterprises, with a maximum credit cap of 200 lakh (Rupees Two Hundred lakh only) are
eligible to be covered. Recently, guarantee coverage made eligible to select NBFCs and Small
Finance banks.
• The guarantee cover available under the scheme is to the extent of 50%/ 75% / 80% & 85% of the
sanctioned amount of the credit facility. The extent of guarantee cover is 85% for micro enterprises
for credit up to 5 lakhs. The extent of guarantee cover is 50% of the sanctioned amount of the credit
facility for credit from 10 lakh to 100 lakhs per MSE borrower for retail trade activity.
• The extent of guarantee cover is 80% for (i) Micro and Small Enterprises operated and/or owned by
women; and (ii) all credits/loans in the North East Region (NER) for credit facilities upto 50 lakh.
In case of default, Trust settles the claim up to 75% of the amount in default of the credit facility
extended by the lending institution for credit facilities upto 200 lakh.
4 - Interest Subvention Scheme for MSMEs-2018
Objective
Credit support
Key Benefits
• 2% interest subvention for incremental credit to MSMEs.

• Interest Subvention Scheme for Incremental credit to MSMEs 2018 offers 2 % interest subvention
on fresh or incremental loans maximum up to Rs. 1 crore to MSMEs. Small Industries Development
Bank of India (SIDBI) is the Nodal Agency for implementation of the Scheme.
• The Scheme aims at encouraging both manufacturing and service enterprises (including trading
activities) to increase their productivity. Incremental/fresh term loan or incremental/fresh working
capital extended from 2nd November 2018 by any Scheduled Commercial Banks, NBFCs, RRBs,
UCBs (Scheduled & Non-scheduled) and DCCBs would be covered under the scheme.
• MSMEs already availing interest subvention under any of the Schemes of the State / Central Govt.
are not eligible under the Scheme.
5 - Credit Linked Capital Subsidy Component
(CLCS & TU Scheme)
Objective
Technology support/ Credit Support
Key Benefits
• Induction of established and improved technologies.

• 15% Subsidy on institutional credit upto Rs 1.00 crore with a subsidy cap of Rs.15.00 lakh.

• The objective of CLCS component of CLC-TUS is to facilitate technology to MSEs through

institutional finance for induction well established and proven technologies in the specific
sub-sector/products approved under the scheme:
• (a)Upfront subsidy of 15% on institutional credit up to Rs. 1.0 crore (i.e. a subsidy cap of
Rs. 15.00 lakh) for identified sectors/subsectors/ technologies.
• (b)Flexibility for review of the identified technologies/ subsectors also exists.
• (c)Presently scheme is being implemented through 11 nodal banks/agencies, however, almost all
Commercial Banks, Pvt. Banks & RRBs are acting as PLI through these 11 nodal banks/agencies
{SIDBI, NABARD, SBI, Andhra Bank, PNB, BoB, Canara Bank, Corporation Bank, Indian Bank,
Bank of India, & TIICL}.
• (d) In order to ensure fair inclusion of SC/ST category, women entrepreneurs and entrepreneurs
from NER, Hill States (Jammu & Kashmir, Himachal Pradesh & Uttarakhand) Island Territories
(Andaman & Nicobar and Lakshadweep) and the identifies Aspirational Districts/LWE Districts, the
subsidy has also been proposed to be admissible also for investment in acquisition/replacement of
plant & machinery/equipment & technology up-gradation of any kind.
6 - MSME Technology Centres (TCs) (Existing TCs +
New TCs + Extension Centers spread all over country)
Objective
Technology support, Skill development, Product D
Key Benefits
• Design & Manufacture of Dies, Moulds using Latest Technology
• Help in prototyping new product
• Skill Development: Tool Design, Machinist, CNC Machines, PLC, Mechatronics, CAD/CAM,
Footwear, Fragrance, Glass Mfg, Automation.
• Consultancy: Tool Design, new product development.

• Existing Entrepreneurs / Aspiring Entrepreneurs
• Training programs offered by TCs range from 2 weeks to 4 years. 76 programs are NSQF Complaint.
• Long term trainees are well placed in industry.
• Customized training programs may also be launched.
• TC Kannauj may provide consultancy for sanitizer mfg.
• TC Meerut can do PPE Coverall testing.
7 - Procurement and Marketing Support (PMS) scheme
Objective
Marketing Support
Key Benefits
• Participation of Individual MSEs in domestic Trade Fair/ Exhibition
• Capacity building of MSMEs in Modern Packaging Technique / Development of Marketing Haats.
• Organizing Domestic Trade Fair& Exhibition/ Vendor Development Programs/ National &
International Workshops & Seminars/ Awareness programs
• Existing Entrepreneurs
• Participation of individual MSEs in domestic trade fairs/ exhibitions across the country: Maximum
Budgetary support (space rent and contingency) upto Rs.1.5 Lakhs max.for Metro & A class citers.
Rs 1.0 lakhs max. for Class B cities / NER/J&K/ Hilly States and for other cities Rs.0.80 lakhs max.
• Organizing Domestic Trade Fairs/ Exhibition and participation in trade fairs/exhibitions by the
Ministry/Office of DC (MSME)/Government organizations:
• Maximum Budgetary support for space rent and advt. & publicity for the event is as follows,
a. Regional :(State/District): Rs.30.00 Lakh max.
b. National: Rs.40.00 Lakh .max.
c. International: As decided by Empowered Committee subject to approval of Deptt. Of Expenditure.
• Capacity building of MSMEs in modern packaging technique: Maximum Budgetary support of
Rs.1.0 lakh max. for ordinary packaging consultancy and Rs.1.5 lakh max. for green packaging
consultancy for MSME unit.
• Development of Marketing Haats. Maximum Budgetary support: For Development of new MSME
Haats, upper limit of GIA will not exceed Rs. 50 lakh max.
• For Renovation/up-gradation of existing Marketing Haats, upper limit of GIA will not exceed
Rs.20 lakhs max.
• Vendor Development Programmes: Maximum Budgetary support is as follows; State Level Vendor
Development Programme (SLVDP): Rs. 1 Lakh max. (One day) National Level Vendor Development
Programme (NLVDP): Rs. 10 lakhs max. for A class city and Rs.7.0 lakh max. for other cities.
(2-3 days)
• International/National Workshops/Seminars.: Maximum Budgetary Support would be Rs 5.0 lakh
maximum or actual whichever is less and for National Workshop/Seminar and Rs 7.5 Lakh
maximum or actual whichever is less for International Workshop/Seminar
• Awareness Programs: Maximum Budgetary support of Rs. 70,000/- max. per program (One day)
8 - International Cooperation (IC) Scheme
Objective
Marketing Support
Key Benefits
• Reimbursement for participation/visit in international exhibitions/fairs
• Reimbursement for holding international conferences and seminars by industry associations/Govt.
organizations.

• Assistance provided under the scheme:
For Participation in International Exhibition/Fair:
Economy class Air fare fair (maximum of Rs. 1 Lakh).
Stall charges (maximum Rs. 1.25 Lakh).
Freight Charges (maximum Rs. 25,000/-)
Entry/Registration fee up to Rs. 5000/-
• For Organizing International Conference in India
Cost for organizing the event subject to a maximum of Rs. 4.50 Lakh.
Airfare for foreign speakers (minimum 03) up to a maximum of Rs. 2.50 lakh.
9 - Public Procurement Policy for MSEs Order, 2012
Objective
Providing Marketing support to the MSEs
Key Benefits
• Tender set free of cost
• Exemption from the payment of Earnest Money
• In tender, participating MSEs quoting price within price band of L1+15% shall also be allowed to
supply a portion of requirement by bringing down their price to L1 price in a situation where price is
from someone other than an MSE and such MSE shall be allowed to supply upto 25% of the total
tendered value.
• 358 items reserved for exclusive procurement from MSEs.
• The MSEs may also be given exemption in prior experience and turnover clauses.

• The Public Procurement Policy mandates 25% annual procurement from MSEs by Central Ministries
/Departments/Public Sector Enterprises (CPSEs).
• Public Procurement Policy is meant for procurement of only goods produced and services rendered
by MSEs and works contract is not covered under the purview of Public Procurement Policy.
• MSEs registered with District Industries Centre (DIC) or Khadi & Village Industries Commission
(KVIC) or Khadi & Industries Board (KVIB) or Coir Board or national Small Industries Commission
(NSIC) or Directorate of Handicrafts and Handlooms or any other body specified by Ministry of
MSME or having Udyog Aadhaar Memorandum (UAM) are eligible to avail the benefits of the policy.
• Ministry of MSME has notified the Public Procurement Policy for MSEs Order, 2012 under Section
11 of MSMED- Act 2006 to provide marketing support to the MSEs which is effective from April 2012
and has become mandatory w.e.f 1st April 2015. It was again reviewed in 2018 and amended vide
SO 5670 (E) dated 9 November 2018. The amended policy mandates 25% of annual procurement
from MSEs by the Central Ministries/ Departments and CPSEs including 4% from MSEs owned by
SC/ST and 3% from MSEs owned by Women
• Any registered MSE can register themselves at GeM Portal and avail the benefits of the Public
Procurement Policy.
10 - Micro & Small Enterprises Cluster Development
Programme (MSE – CDP)
Objective
Technology support/Skill development
Key Benefits
• Creation of Common Facility Centersincluding Plug & Play Facilities
• Thematic Interventions- Activities such as Training Programmes, Exposure Visits

• Existing Entrepreneurs (in form of a SPV)
• Common Facility Centers: Creation of “tangible assets” such as Common Production/Processing
Centre, Design Centers, Testing Facilities including Plug & Play Facilities.
• GoI Assistance: upto 90% of the maximum Project cost of Rs. 20 crore
• Infrastructure Development: Development of land, roads, drainage, power distribution etc. in new /
existing industrial (multi-product) areas / estates / Flatted Factory Complex.
GoI Assistance: upto 80% of the maximum Project cost of Rs. 15 crore
• Marketing Hubs / Exhibition Centres by Associations: Establishing Marketing Hubs/Exhibition
Centres at central places for display and sale of products.
GoI Assistance: upto 80% of the maximum Project cost of Rs. 10 crore
• Thematic Interventions: Activities such as Training Programmes, Exposure Visits, BDS provisioning
etc. for approved/ completed CFCs.
GoI Assistance: Rs.2.00 lakh for each activity, maximum Rs.10 lakh per CFC
• State Innovative Cluster Development Programme: Co-funding of the CFC projects of State Cluster
Development Programme on matching share basis.
GoI Assistance: GoI fund would be limited to State Government share or Rs.5.00 crore whichever is
lower
For details please contact nearby MSME-Development Institute/ District Industry Centre.
11 - A Scheme for Promotion of Innovation, Rural Industries
and Entrepreneurship (ASPIRE)
Objective
Promote Skill Development and Entrepreneurship
Key Benefits
• Set up LBIs and TBIs to skill youths for own enterprises and incubation of innovative ideas
• Maximum Rs. 1 cr. to Government agencies and maximum Rs. 50 lakhs to private agencies for
procuring plant and machinery
• Maximum Rs. 1 cr. given to new TBIs and maximum Rs. 30 lakhs to existing TBIs for procurement of
plants and machinery.

• For LBIs:
Any agency/institution of Govt. of India/State Govt.
• Any Private Institution under PPP mode with any agency of Govt. of India/State Govt.
• For TBIs:
Existing Incubation Centers under Ministries/ Departments of Govt. of India
• National/ Regional institutions of Govt. of India/ State Govt.
• New TBIs can be set up by Industry Associations, Academic Institutions, R&D labs, Universities,
Govt. entities and Technology Parks
• LBIs are set up to train/skill youths in various vocations/fields primarily in agro-rural space to enable
them, either to set up own enterprises or seek wage employment in related fields/industries.
• TBIs are set up to promote youths to incubate new and innovative ideas in agro-rural space by
providing basic incubation facilities.
12 - Promotion of MSMEs in NER and Sikkim- a sub
component of Central Sector Scheme “Technology
and Enterprise, Resource Center”.
Objective
Technology support/Skill development
Key Benefits
• Establishment & Up-gradation of Mini Technology Centers.
• Development of New & Existing Industrial Estates
• Capacity Building of Officers engaged in promotion of MSMEs in NER & Sikkim.

• Existing Entrepreneurs / Aspiring Entrepreneurs
• Setting up new and modernization of existing Mini Technology Centres: Financial assistance of 90%
of the total project cost (maximum assistance Rs. 10.0 Cr.)
• Development of new and existing Industrial Estates: Financial assistance of 80% of the total project
cost (maximum assistance Rs. 8.0 Cr.)
• Capacity Building of Officers: Financial Assistance up to Rs. 1.5 lakh per participant.
• Other Activities: Financial Assistance upto Rs. 1.0 Cr.
• For details please contact nearby MSME-Development Institute/ District Industry Centre.
13 - ZED Certification Scheme
Objective
Technology support
Key Benefits
• Promote adaptation of Quality tools/systems and Energy Efficient manufacturing.
• Financial assistance will be provided to the MSMEs in obtaining a ZED certification.
• Reimbursement of Certification fees/Consultancy charges on successful certification, subject to an
upper ceiling as per the scheme guideline. This can be claimed only once each for National and
International Standards.
• For MSMEs supplying for Defence, reimbursement shall be admissible additionally on Defence
related certificates/Standards only once.

• The scheme envisages promotion of Zero Defect and Zero Effect (ZED) manufacturing amongst
MSMEs and ZED Assessment for their certification so as to:
a. Encourage and Enable MSMEs for manufacturing of quality products using latest technology tools &
to constantly upgrade their processes for achievement of high productivity and high quality with the
least effect on the environment.
b. Develop an Ecosystem for Zero Defect Zero Effect Manufacturing in MSMEs, for enhancing
competitiveness and enabling exports.
c. Promote adoption of Quality and recognizing the efforts of successful MSMEs.
d. Increase public awareness on demanding Zero Defect and Zero Effect Products through the ZED
Rating and Grievance Redressal Portal.
14 - Lean Manufacturing Competitiveness for MSMEs
Objective
Technology support
Key Benefits
• Financial assistance is provided for implementation of lean manufacturing techniques, primarily the
cost of lean manufacturing consultant (80% by GoI and 20% by beneficiaries).

• The objectives of the Scheme are to enhance the manufacturing competitiveness of MSMEs through
the application of various Lean Manufacturing (LM) techniques by;
a. Reducing waste;
b. Increasing productivity;
c. Introducing innovative practices for improving overall competitiveness;
d. Inculcating good management systems; and
e. Imbibing a culture of continuous improvement.
15 - Design Clinic for Design Expertise to MSMEs
Objective
Technology Support
Key Benefits
• To facilitate MSMEs to develop new Design strategies and or design related products through
design interventions and consultancy. Financial assistance to the MSMEs for engagement of design
consultants for design intervention (GoI contribution @ 75% for micro, 60% for SMEs for the project
range up to Rs. 40 lakh).
• The Design Scheme shall support design work by reimbursing 75% of expenses incurred up to
Rs. 1.5 lakh for final year student project done for MSMEs

• To bring Indian manufacturing sector and Design expertise/ Design fraternity on to a common
platform and to provide expert advice and cost-effective solution on real time design problems,
resulting in new product development, continuous improvement and value addition for existing
products including new products.
16 - Digital MSME
Digital MSMEDigital MSMEObjective

Technology Support
Key Benefits
• To make MSMEs digitally empowered and motivate them to adopt Information Communication
Technology (ICT) tools and application in their production and business process.

•The main objective of scheme is to make MSMEs digitally empowered and motivate them to adopt
ICT tools and applications in their production & business processes with a view to improve their
competitiveness in national and international Market.
17 - Entrepreneurial and Managerial Development of SMEs
through Incubators
Objective
New Enterprise Creation
Key Benefits
• Funding support up to Rs. 15 lakhs for development of innovative ideas in to commercial products
• Seed funding support up to Rs. 100 lakhs for setting up new units for commercialization of
successful innovative ideas

• Existing Entrepreneurs/Aspiring Entrepreneurs
• The main objective of the scheme is to promote & support untapped creativity of
individual and to promote adoption of latest technologies in manufacturing as well as
Knowledge based innovative MSMEs (ventures) that seek the validation of their ideas at the proof of
concept level. The scheme also supports engagement with Enablers who will advise such MSMEs in
expanding the business by supporting them in design, strategy and execution. The Enablers will play
a pivotal role and would be integral part of the business development.
18 - Awareness on Intellectual Property Rights (IPR)
Objective
Technology support
Key Benefits
• Reimbursement of Patent/Trademark/GI:
• Patent:
• A. Indian Patent upto Rs.1.00 Lakh
• B. Foreign Patent upto Rs. 5.00 Lakh
• Trademark upto Rs. 0.10 Lakh
• GI Registration Rs. 2.00 Lakh
• Assistance for setting up IP Facilitation Centre upto Rs. 1.00 cr. for period of 5 years

• To enhance the awareness of Intellectual Property Rights (IPRs) amongst the MSMEs to encourage
creative intellectual endeavor in Indian economy;
• To take suitable measures for the protection of ideas, technological innovation and knowledge-driven
business strategies developed by the MSMEs for;
• To provide appropriate facilities and support for protection and commercialization of Intellectual
Property (IP) for the benefit of MSME sector;
• To assist SMEs in effective Utilization of IPR Tools for technology up-gradation, market and business
promotion and competitiveness. enhancement.
19 - ESDP Scheme
Objective
New Enterprise Creation and Skill development
Key Benefits
• Motivation
• Entrepreneurship & Skill Training
• Management Training

• Aspiring Entrepreneurs
• Aspiring and Existing Entrepreneurs
• Entrepreneurship /Self-employment Motivation to different sections of the society including
SC/ST/Women, differently abled, Ex-servicemen and BPL persons as career options.
• Enterprise Facilitation for Ideation, Mentoring and incubation, Credit facilitation, Market accessibility,
Enterprise Clinic, Diagnostic studies in the event of sickness, counseling and other facilities.
• Entrepreneurship & Skill Training in Agro Based Products, Hosiery, Food & Fruit Processing
Industries, Carpet Weaving, Mechanical Engineering Workshop/ Machine Shop, Heat Treatment,
Electroplating, Basic/Advance Welding/Fabrication/Sheet metal work, Basic/Advance Carpentry,
Glass & Ceramics etc.
• Management capacity building Training to Existing Entrepreneurs and their supervisory staff in
Industrial Management, Human Resource Management, Marketing Management, Export
Management/Documentation & Procedures, Materials Management, Financial/Working Capital
Management, Information Technology, Digital Marketing, Quality Management/QMS/ISO 9000/EMS,
WTO, IPR, Supply Chain Management, Retail Management, Logistics Management etc.
20 - Assistance to Training Institutions (ATI) Scheme
Objective
Skill development
Key Benefits
• Support for infrastructure and capacity building of training institutions of Ministry and existing State
level EDIs.
• Support for skill development programmes by training institutions of the Ministry of MSME.

• Only for training institutions of Ministry of MSME and State level EDIs.
• Assistance may be provided under the scheme for creation or strengthening/ expansion of
infrastructure, including opening of new branches/centres to training institutions of Ministry of MSME
and for meeting revenue deficit, if any, of National Institute for Micro, Small and Medium Enterprises
(NIMSME).
• The maximum assistance under the scheme to a State level EDI will be restricted to Rs.250 lakh in
each case. This grant would be utilized for development of physical infrastructure, equipment,
faculty training and development of capability in undertaking studies and research on issues related
to MSME sector. This grant would be over and above the grant, if any, received by that institution
earlier under the ATI scheme
• For the purpose of grant under this category, an EDI owned and controlled by a State Government /
UT would be selected as recommended by the State Government. The selected state level EDI will
have to enter into a partnership agreement (or, MOU) with NIMSME to formulate and implement the
approved proposal.
21 . Science & Technology
Objective
Technology Support
Key Benefits
• Modernization of production processes.
• Development of machinery & equipment’s.
• Technology Transfer, incubation and service facilities.

• Existing and Aspiring Entrepreneurs.
• Any individual can avail of the technologies available with Coir Board by paying a nominal fee
including training /incubation /handholding support/assistance for setting up new units from R & D
Institutes of the Board.
22 - Coir Industry Technology Upgradation Scheme
Objective
Credit support/New Enterprise creation
Key Benefits
• To establish new state of the art coir processing units
• To provide modern infrastructure facilities to the production units.
• Upper ceiling of Financial assistance will be Rs.2.50 crores.

• The scheme aims at giving away assistance to the entrepreneurs for upgrading and/or procurement
of eligible plant and machinery for modernization and thereby establishing a new unit that is capable
of making an application for the larger investment in the coir sector. The financial assistance
provided under this scheme will be set at 25% of the total cost of admissible items of ‘plant and
machinery’ that are procured by the Coir units. All coir production or processing units that are
registered with the ‘Coir Board’ under ‘Coir Industry’ (Registration) Rules 2008 and are having
‘Udyog Aadhar’ are eligible to apply for the financial assistance available under this scheme for
modernization.
23 - Export Market Promotion
Objective
Export Marketing support.
Key Benefits
• Participation in international exhibitions & Buyer Seller Meets.
• External Market Development Assistance.

• Existing and Aspiring entrepreneurs.
• Individual entrepreneurs can avail of EMDA scheme for participating in International exhibitions
as per approved calendar.
24- Domestic Market Promotion
Objective
Domestic Marketing Support.
Key Benefits:
• Market Development Assistance to Apex Bodies of coir co-
• PSUs in coir sector, etc.
• Sales of coir products through showrooms of Coir Board.
• Publicity for coir products.

• Any individual supplier of coir products can register to become consigner for selling coir produce
through Coir Board showrooms across the country.
25 - Trade & Industry Related Functional Support Services
Objective
Data and Information related support.
Key Benefits
• Dissemination of data on all aspects of coir industry.

• Any individual can avail of Trade Information data.
• Individual coir workers can avail of HRD training facilities.
26 - ISEC
Objective
Working capital support to Khadi Institutions
Key Benefits
• Credit at the concessional rate of interest is made available as per the requirement of the Khadi
Institutions to mobilize additional requirements of fund from the Financial Institutions / Banks.
• The KI is required to pay only 4% interest rate. The difference between the actual Interest charged
by the Bank and 4% is borne by the KVIC as “Interest Subsidy”

• All Khadi Institutions registered with the KVIC or State Khadi and Village Industries Boards (KVIBs)
can avail of financing.
• The main objectives of the Interest Subsidy Scheme are
To extend the financial assistance to the needy eligible Khadi institutions for development of Khadi
and Polyvastra Programme.
To ensure adequate working fund to Khadi Institutions.
To ensure liquidity to Khadi Institutions by taping banking resource.
27 - Strengthening of Infrastructure of Existing Weak Khadi
Institutions and Assistance for Marketing Infrastructure
Objective
To revive weak Khadi Institutions
Key Benefits
• To assist the identified weak KIs, so as to enable them to regain their status and revive their
potential for employment generation
• To improve the marketing of Khadi products through development of marketing infrastructure,
including renovation of selected sales outlets of KIs
• To bring in a transformation in the Khadi sector and re-affirm its significance as a sustainable
employment provider for rural artisans

• Existing C and weak Khadi and Polyvastra Producing Institutions
• The first component of the scheme for reviving a weak institution should start with a detailed study
to be conducted, through a professional institute /agency, for ascertaining the reason behind their
sickness. The institute/agency would also suggest corrective action to be taken as per the
findings/suggested recommendation of the study.
• lf the institution proposed to be extended assistance had borrowed funds from banks for Khadi
activities and these loans have not yet been fully repaid, consent of banks concerned for its
revitalization may also be obtained, so that the banks may extend some concession to such
institution during the process of revitalization.
• The State/Divisional Director will identify an Officer of KVIC (by name) preferably a Development
Officer (Khadi)/Asstt. Development Officer (Khadi) and assign him the task to act as a 'Nodal Officer'
for implementation of the revitalization package in respect of each of the institutions or a group of
institutions. The Nodal Officer will be responsible for the outcome of the assistance.
• While the rehabilitation package will be implemented in the identified institutions having potential
for revival.
• The assisted institution will be tied up with a local major Khadi institution of “A” or "A+" category for
extending backward-forward linkages required to start production and sales activities. KVIC should
explore opportunities for merger of weak institutions with successful Khadi institutions so that the
activities of the weak institutions can get strengthened by the financial and managerial strength of
the major institutions.
• The impact of intervention extended to the institutions will be monitored and reviewed in KVIC i.e. at
the State/Divisional Office level by the State/Divisional Directors, at Zonal level by the Dy. Chief
Executive Officer of the zone and the Zonal Committee and at the Central Office level by the Chief
Executive Officer and the Commission.
28 -Rojgar Yukt Gaon
Objective
For development of Khadi and creation of sustainable enterprises.
Key Benefits
• To transform socio-economically distressed villages into sustainable and self-reliant Khadi based
enterprises.
• To give further motivation to Khadi Sector it is proposed to introduce RYG scheme with
enterprise-led business model for strengthening Khadi Institutions.

• New Entrepreneur or Corporate entity with partnership with KIs
• Create an additional 12500 direct employment in 50 villages;
• Develop a sustainable model of Khadi-based business enterprise in the villages with a tripartite
collaborative model of entities from the Government, business and the village community to produce
quality goods;
• Facilitate the overall development of the selected villages in terms of infrastructure and amenities;
• Develop skills where they don’t exist, provide opportunities where they are not available, generate
income and build sustainable self-reliance to communities.
29 - Honey Mission Programme / Beekeeping
Objective
Technology support, Skill Development and New Enterprises
Key Benefits
• To uplift people leaving in rural areas by introducing and popularizing modern beekeeping techniques
• To create sustainable employment and income opportunities to rural unemployed people
• Supplement the income of farmers, Adivasies

• Farmer,
• Unemployed Youth
• Interested entrepreneurs
• Distribution of 10 bee hives and bee colonies to each beneficiary
• Candidates have been provided training in Beekeeping through State Beekeeping Extension
Centers-SBEC(s), Master Trainers and Central Bee Research & Training Institute (CBRTI), Pune,
KVIC etc.
• Utilization of abundant variety of flora and fauna available in country.
• Beekeeping is environment friendly.
• Beekeeping can be adopted as a activity of spare time, part time and full time.
• Beekeeping require low investment, infrastructure (KVIC is meeting substantial portion of expenses).
• No requirement of own land.
• Beekeeping enhance productivity levels of Agriculture/Horticulture through pollination.
• Creates many direct and in-direct employment.
30 - National SC-ST Hub
Objective
Marketing Support
Key Benefits
• To achieve 4% Public Procurement target from SC-ST entrepreneurs
• Facilitating SC/ST Entrepreneurs to be part of vendor development programs and mentoring support
• Collection, collation and dissemination of information regarding SC/ST enterprises and entrepreneurs
• Distribution of trade specific tool kits to trained candidates

• Existing and Aspiring SC/ST Entrepreneurs
• The National SC-ST Hub (NSSH) has been set up to provide professional support to Scheduled
Caste and Scheduled Tribe Entrepreneurs to fulfil the obligations under the Central Government
Public Procurement Policy for Micro and Small Enterprises Order 2012, adopt applicable business
practices and leverage the Stand-Up India initiative. The key action areas of NSSH include vendor
development, participation in public procurement, building reliable database, mentoring and
handholding support, policy advocacy with states, credit facilitation, capacity building, private
affirmative action, technology upgradation, marketing support, and special subsidies under various
schemes. The NSSH works on the mentioned priority areas through various sub-schemes which are
as follows:
• Special Credit Linked Capital Subsidy Scheme
• Special Marketing Assistance Scheme
• Single Point Registration Scheme
• Bank Loan Processing Reimbursement Scheme
• Bank Guarantee Charges Reimbursement Scheme
• Testing Fee Reimbursement Scheme
• Export Promotion Council Membership Reimbursement Scheme
• Top 50 NIRF Rated Management Institution's Short-Term Training Program Fee Reimbursement
Scheme
31- Scheme for Creation / Expansion of Food Processing &
Preservation Capacities (CEFPPC) under Pradhan
Mantri Kisan Sampada Yojana (PMKSY)
Objective
The main objective of the Scheme is creation of processing and preservation capacities and
modernisation/expansion of existing food processing units with a view to increasing the level
of processing, value addition leading to reduction of wastage. The setting up of new units and
modernization/ expansion of existing units are covered under the scheme.Scheme is implemented
through organizations such as Central & State PSUs/ Joint Ventures/ Farmer Producers Organization
(FPOs)/ NGOs/ Cooperatives/ SHG’s/ Pvt. Ltd companies/ individuals proprietorship firms engaged
in establishment/ upgradation/ modernization of food processing units.
ted Management Institution's Short-Term Training Program Fee Reimbursement Scheme
Financial assistance will be given as follows:

General Areas - 35% of the eligible project cost to a maximum of Rs. 5 Crore. Promoter’s investment
of the project should be minimum 20% of the total project cost.
Special Category - 50% of the eligible project cost to a maximum of Rs. 5 crore. Promoter’s in
vestment of the project should be minimum 10% of the total project cost.
Grant will be released in two installments each at 50% of grant post submission of necessary
documents for the disbursal of each installments.
(Project cost includes the cost of plant and machinery and technical civil work. Cost of utilities
such as water pipeline, transformer, etc, will be included under eligible project cost subject to
restriction of above cost being maximum 25% of the total project cost. Special Category includes
North Eastern States (including Sikkim) and difficult terrains such as Himalayan States/Union
Territories, States notified ITDP areas and islands.)
Sectors: Food Processing sectors eligible under the scheme include: Fruits and vegetable processing,
milk processing, meat/ poultry/ fish processing, modern rice milling, read to cook/ eat food products,
among many more.
Organisations: Organisations such as Centra/ State PSUs/ FPOs/ NGOs/Cooperatives/ any firms
engaged or willing to engage in creation/expansion/modernisation of food processing units.
Special Provisions: For SC/ST entrepreneurs having 100% stake in the firm, proposals having
eligible project cost of Rs. 1 crore or more will be considered anywhere subject to meeting other
terms and conditions of the scheme.
Sanction letter of term loan from bank/ financial institutions
Detailed Project Report
Udyog Aadhaar card/ IEM registration
Caste certificate issued by the competent authority
Bank Appraisal indicating techno-economic viability parameters of the project
Latest Annual Report and Audited Statement of Accounts, in case of expansion/ modernisation
proposals
Bank account book
Item wise and cost wise details of Technical Civil works duly signed by Chartered Engineer (Civil)
Item wise and cost wise details of Plant and machinery duly signed by Chartered
Engineer (Mechanical)
Registered land allotment/ ownership document
The scheme envisages financial assistance to food processing units in the form of grant-in-aid
as under:
35% of the eligible project cost subject to a maximum of Rs. 5.00 crore in General Areas;
50% of the eligible project cost subject to a maximum of Rs. 5.00 Crores in North Eastern States
including Sikkim and Difficult areas including Himalayan States (Himachal Pradesh, J&K &
Uttarakhand), State Notified ITDP areas and Islands.
Applications under the scheme will be submitted online against Expression of Interest issued from
time to time for inviting proposals.
An applicant is initially required to submit their loan application to the bank for appraisal and sanction
of the Term loan for the project.
Post sanction, the application for financial assistance in the prescribed format needs to be submitted
online and subsequently hard copy has to be sent by the applicant directly to MoFPI within 10 working
days after successful uploading of the online application.
Q. The land taken for the project has ownership on the name of one of the Director/Partner
of the company, is it required to be transferred on the name of the Applicant Company?
Ans. Yes, if the land is owned by one of the director or partner of the company, then such land needs
to be leased out on the name of the applicant firm for minimum of 15 years.
Q. Do I have to submit Techno Economic Viability (TEV) report alongwith Bank appraisal report?
Ans. If the Bank appraisal has not indicated the financial benchmarks (i.e. IRR, DSCR, BEP, DER etc),
SWOT analysis etc. in the bank appraisal then TEV report need not be submitted duly authenticated
by the respective bank.
Q. Whether the term loan can be availed from cooperative banks?
Ans. Term loan can be availed from any scheduled bank or financial institutions having core banking
facilities. If the term loan sanctioning bank/financial institution does not have core banking facility, in
such a case an Escrow account need to be opened in the bank having core banking facility and all
the transactions for the applicant project needs to be done through such Escrow account.
Q. What is an Escrow account?
Ans. Escrow accounts are a financial instrument in which an asset or escrow money is held by a third
party on behalf of 2 other parties that are in the process of completing a transaction. In simpler terms,
an escrow account is a third party account where funds are kept before they are transferred to the
ultimate party.
Q. Whether electricity supply transformer, solar panel etc. are eligible components under
project costs?
Ans. The cost of transformer, solar panel, etc. will be considered eligible under ‘Utilities’.
Q. Dairy farming, poultry farming and hatcheries are eligible under the scheme?
Ans. No, farming activities are not under the mandate of MoFPI, hence farming activities cannot be
considered under the CEFPPC scheme.
Q. Whether the sugar or jaggery industry is eligible sector under the scheme?
Ans. Sugar mills etc are not eligible under the scheme, however value added sugar products like sugar
cybes, syrups, flavoured jaggery cubes, jaggery powder etc. will be considered under the scheme
of CEFPPC.
Important Links:
https://mofpi.nic.in/Schemes/creation-expansion-food-processing-preservation-capacities-unit-scheme
https://mofpi.nic.in/sites/default/files/modified_sampda_cefppc_guidlines_-_02032020_0.pdf
https://mofpi.nic.in/Schemes/creation-expansion-food-processing-preservation-capacities-unit-scheme/pattern-assistance-5
Credit Guarantee Scheme for Sub-ordinate Debt (CGSSD)
A content repository of schemes launched by the Government of India
The biggest challenge for stressed MSMEs is in getting capital either in the form of debt or equity.
Therefore, as part of Atmanirbhar Bharat package, the Credit Guarantee Scheme for Sub-ordinate
Debt (CGSSD) which is also called “Distressed Assets Fund–Sub-ordinate Debt for MSMEs was
made operational for stressed MSMEs.
Objective :
The objective of the scheme is to provide personal loan through banks to the promoters of stressed
MSMEs for infusion as equity / quasi equity in the business eligible for restructuring, as per RBI
guidelines for restructuring of stressed MSME advances.
The guarantee cover worth Rs. 20,000 crores that will be provided to the promoters who can take
debt from the banks to further invest in their stressed MSMEs as equity.
The scheme will be operationalised through Credit Guarantee Fund Trust for MSEs (CGTMSE).
The Credit Guarantee Fund Scheme for Micro and Small Enterprises (CGS) was launched by the
Government of India (GoI) to make available collateral-free credit to the micro and small enterprise
sector.
Both the existing and the new enterprises are eligible to be covered under the scheme.
Any collateral / third party guarantee free credit facility (both fund as well as non fund based)
extended by eligible institutions, to new as well as existing Micro and Small Enterprise, including
Service Enterprises, with a maximum credit cap of 200 lakh (Rupees Two Hundred lakh only) are
eligible to be covered.
The Scheme would be applicable to all credit facilities sanctioned under CGSSD for a maximum
period of 10 years from the guarantee availment date or March 31, 2021 whichever is earlier, or till
an amount of Rs 20,000 crore of guarantee amount is approved.
This Scheme seeks to extend support to the promoter(s) of the operational MSMEs which are
stressed and have become NPA as on 30th April, 2020
Promoter(s) of the MSMEs will be given credit equal to 15% of their stake (equity plus debt) or
Rs. 75 lakh whichever is lower
Promoter(s) in turn will infuse this amount in the MSME unit as equity and thereby enhance the
liquidity and maintain debt-equity ratio
90% guarantee coverage for this sub-debt will be given under the Scheme and 10% would come
from the concerned promoters
There will be a moratorium of 7 years on payment of principal whereas maximum tenor for
repayment will be 10 years.
Loan up to a limit of ₹ 200 lakh is available for individual MSE on payment of guarantee fee to bank
by the MSE.
Guarantee Cover:
85% for Micro Enterprises for credit upto 5 Lakh
75% for micro enterprises for credit between 5 and 50 Lakh (max - 37 Lakh)
75% for credit between 50 and 200 Lakh (Max - 150 L)
50% for MSE for credit between 10 L and 100 L
80% for Women (max 40 Lakh); 75% for other categories
Partial guarantee is also available
The Guarantee cover under the scheme is for the agreed tenure of the term loan/composite credit.
In case of working capital, the guarantee cover is of 5 years or block of 5 years.
Promoters of MSME units which are stressed, viz. SMA-2, and NPA accounts as on 30.04.2020 and
can become commercially viable as per the assessment of the lending institutions.
The Scheme is applicable for those MSMEs whose accounts have been standard as on 31.03.2018
and have been in regular operations, either as standard accounts, or as NPA accounts during financial
year 2018-19 and financial year 2019-20.
Eligible MLIs / Lending institutions including all Scheduled Commercial Banks (SCBs).
33- I-CAN ATMA NIRBHAR BHARAT SCHEMES REPOSITORY
Emergency Credit Line Guarantee Scheme
The Emergency Credit Line Guarantee Scheme (ECLGS) was unveiled as part of the Rs 20 lakh
crore comprehensive package announced by Finance Ministry on 13/05/2020, to aid Micro, Small
and Medium Enterprises (MSMEs) sector in view of the economic distress caused by the COVID-19
pandemic.
Objective :
It seeks to provide relief to the MSME sector by incentivizing MLIs to provide additional credit of up
to Rs. 3 lakh crore at low cost, thereby enabling MSMEs to meet their operational liabilities and
restart their businesses.
The Emergency Credit Line Guarantee Scheme provides 100% guarantee coverage by NCGTC to
MLIs on GECL of up to Rs. 3 lakh crore to eligible MSMEs. MSMEs for the purpose of this Scheme
will include MSMEs/ Business Enterprises which are constituted as Proprietorships, Partnerships,
Registered Companies, Trusts and Limited Liability Partnerships (LLPs), and also interested
borrowers under PMMY.
All Business Enterprises /MSME borrower accounts with combined outstanding loans of up to
Rs. 25 crore as on 29.2.2020, and annual turnover of up to Rs. 100 crore for FY 2019-20 are eligible
for the Scheme.
Total Outstanding Amount would comprise of the on-balance sheet exposure. Off-balance sheet and
non-fund-based exposures will be excluded.
Loans provided to Business Enterprises / MSMEs constituted as Proprietorship, Partnership,
registered company, trusts and Limited Liability Partnerships (LLPs) shall be eligible under the
Scheme.
Business Enterprises / MSMEs would include loans covered under Pradhan Mantri Mudra Yojana
extended on or before 29.2.2020, and reported on the MUDRA portal.
Loans provided in individual capacity are not covered under the Scheme.
The Scheme is valid for existing customers on the books of the
Borrower accounts should be less than or equal to 60 days past due as on 29th February, 2020 in
order to be eligible under the Scheme. Borrower accounts which had NPA or SMA-2 status, as on
29.02.2020 shall not be eligible under the Scheme.
Business Enterprises / MSME borrower must be GST registered in all cases where such registration
is mandatory. This condition will not apply to Business Enterprises / MSMEs that are not required to
obtain GST registration
To be eligible under the Scheme it is not necessary that the existing loans of the borrowers should be
covered under the ECLGS of NCGTC.
The Scheme would be applicable to all loans sanctioned under GECL during the period from the date
of issue of these guidelines by NCGTC to 31.10.2020, or till an amount of Rs 3,00,000 crore is
sanctioned under the GECL, whichever is earlier.
Meant to help businesses suffering from a severe cash crunch.
The maximum amount eligible under this scheme either in the form of additional working capital term
loan facility (in case of banks and Financial Institutions), and additional term loan facility (in case of
NBFCs) is set at 20% of the total outstanding loans up to Rs 25 crore as on 29th February, 2020.
All Business Enterprises /MSME borrower accounts with combined outstanding loans across all MLIs
of up to Rs. 25 crore. MLIs are expected to check with credit bureau the overall outstanding of the
borrower to assess the eligibility of the borrower.
For loans having co-applicant, only those existing loans where entity is the primary co-applicant are
covered under the Scheme for additional emergency funding.
Loans provided in individual capacity are not covered under the Scheme.
For the purpose of this Scheme it is not necessary that the existing loans of the borrowers should be
covered under the existing NCGTC or CGTMSE Scheme.
Interest Rate on GECL shall be capped as under:
• For Banks and FIs, lending rate linked to one of the external benchmark rates prescribed by RBI +1%
subject to a maximum of 9.25% per annum.
• For NBFCs, the interest rate on GECL shall not exceed 14% per annum.
• A separate loan account should be opened for the borrower, distinct from the existing loan account(s),
for coverage under the Scheme.
• The tenor of loans provided under GECL shall be for a tenor of four years from the date of disbursement.
• Moratorium period of one year on the principal amount shall be provided to borrowers for the GECL
funding during which interest shall be payable
• The principal shall be repaid in 36 installments after the moratorium period is over.
• Prepayment of facilities to be allowed at no additional charge to the borrower.
• The account may be operated in combination with applicable Interest

Subvention Scheme(s) as far as feasible.
• RBI’s approval has been solicited for keeping risk weight for loans provided under GECL at zero.
• No Guarantee Fee shall be charged from the MLIs by NCGTC for the Credit facilities provided under
the Scheme.
• The Trustee Company shall provide 100% Guarantee coverage on the outstanding amount for the
credit facility provided under the Scheme as on the date of NPA.
• The definition of default for borrowers shall be as per the instructions and guidelines issued by the
Reserve Bank of India from time to time under extant norms on income recognition, asset classification
and provisioning
Important Link : http://www.msmediraipur.gov.in/images/ECLGSGuidelines.pdf

https://www.bankofindia.co.in/pdf/FAQs_on_ECLGS.pdf
Formalization Of Micro Food Enterprise
It is a Rs 10,000 crores scheme which aims to promote the vision of Honourable PM: ‘Vocal for Local
with Global outreach’. It is expected to generate a total investment of Rs. 35,000 crore and 9 Lakh
semi-skilled employment. One District One Approach-The State will identify food products for the district.
Focuses on Waste to Wealth, MFP and Aspirational Districts. It aims to modernize and enhance the
competitiveness of the existing individual micro enterprises and ensure their transition to formal sector.
Also it will support FPOs/ SHGs/ Cooperatives for delivery of package of services, creation of common
infrastructure along the value chain, ensure backward & forward linkages, branding & marketing, etc.
Objectives:
Increase access to finance.
Increase in revenues of target enterprises.
Enhanced compliance with food quality and safety standards.
Strengthening capacities of support systems.
Special focus on Women entrepreneurs and Aspirational Districts.
Encourage Waste to Wealth activities.
Focus on minor forest produce in Tribal Districts.
Transition from the unorganized sector to the formal sector.
Salient features:
All India Centrally Sponsored Scheme with an Outlay of Rs.10,000 crore for 5 years
from 2020-21 to 2024-25.
Coverage of 2,00,000 enterprises.
Expenditure to be shared by Government of India and States at 60:40.
About Rs. 25,000 cr investment is expected under the programme.
Cluster approach and Focus on perishables.
Assisted units to have unique identity.
Nearly eight lakh micro- enterprises will benefit through access to information, better exposure and
formalization.
It will enable them to formalize, grow and become competitive.
The project is likely to generate nine lakh skilled and semi-skilled jobs.
Scheme envisages increased access to credit by existing micro food processing entrepreneurs, women
entrepreneurs and entrepreneurs in the Aspirational Districts.
Better integration with organized markets.
Increased access to common services like sorting, grading,
processing, packaging, storage etc.
Administrative and implementation Mechanisms

The Scheme would be monitored at Centre by an Inter-ministerial Empowered Committee (IMEC) under
the chairmanship of Minister for Food Processing Industries.
A state/UT Level Committee (SLC) chaired by the chief secretary will monitor, sanction and recommend
proposals for expansion of micro units and setting up of new units by the SHGs, FPOs/ and cooperatives.
The states and UTs will prepare Annual Action Plans covering various activities for implementation of the
scheme, which will be approved by the Central government.
A third party evaluation and mid-term review mechanism would be built in the programme.
State/ UT Nodal Department & Agency

The state and UT government will notify a nodal department and agency for implementation of the scheme.
State/ UT nodal agency (SNA) would be responsible for implementation of the scheme in the state and UT
level including preparation and validation of state/ UT Level Upgradation Plan, Cluster Development Plan,
engaging and monitoring the work of resource groups at district and regional level, providing support to
units and groups.
National Portal & MIS

A National level portal would be set-up wherein the applicants and individual enterprise could apply to
participate in the scheme.
All the scheme activities would be undertaken on the national portal.
Scheme is for All India basis.

Support to Individual micro units:
Micro enterprises will get credit linked subsidy @ 35% of the eligible project cost with ceiling of Rs.10 lakh.
Beneficiary contribution will be minimum 10% and balance from loan.
On-site skill training & Handholding for DPR and technical upgradation.
Support to FPOs/SHGs/Cooperatives:
Seed capital will be given to SHGs (@Rs. 4 lakh per SHG) for loan to members for working capital and
small tools.
Grant for backward/ forward linkages, common infrastructure, packaging, marketing & branding.
Skill training & Handholding support.
Credit linked capital subsidy.
Important Link : https://mofpi.nic.in/sites/default/files/material_for_website.pdf
Marketing Assistance and Technology Upgradation
• Marketing Assistance and Technology Upgradation Programme is a strategic initiative for adoption of
modern Marketing techniques by MSMEs consistent with the requirement of global market. It involves
eight sub-components for which Government of India (GoI) funding assistance will be available.
• This programme envisages that some of those clusters of MSMEs, which have quality production and
export potential, shall be identified & encouraged and assisted through this scheme to achieve
competitiveness in the national and international markets.
• The programme aims at improving the marketing competitiveness of MSME sector by improving their
techniques and technologies’ promotion of exports and to provide a check on imports also
The objectives of the scheme will be achieved by performing the following major activities for
MSMEs through Government of India financial assistance in the manner laid down in these
guidelines :
(i) Technology Upgradation in Packaging
(ii) Skill Upgradation/Development for modern marketing techniques
(iii) Competition Studies
(iv) Special component for North-Eastern Region
(v) New markets through State/District level local Exhibitions/Trade fairs
(vi) Corporate Governance Practices
(vii) Marketing Hubs
(viii) Reimbursement to ISO 18000/ISO 22000/ISO 27000 certification
• Any competent agency as mentioned in the EoI guidelines, MSMEs, Industry Associations, NGOs
Assistance under the scheme is available for the benefits of micro, small and medium enterprises in the
manufacturing segments as per the definition of the Micro, Small & Medium Enterprises Development Act,
2006 (MSMED Act).
• Funding support for conducting awareness on new packaging technologies (applicant as mentioned in EoI)
Cluster based studies on packaging status and need for upgradation (gap analysis) (applicant as
mentioned in EoI)
• Funding support for conducting skill upgradation / development programmes for modern marketing
techniques (applicant as mentioned in EoI)
• Funding support for conducting trade competition studies (applicant as mentioned in EoI)
• Funding support to MSMEs belonging to North-Eastern Region for participation in marketing events
• Funding for participation of MSMEs in State/District level local exhibitions/trade fairs support
(reimbursement) (Registered MSMEs)
• Funding support (in the form of reimbursement) to MSMEs for adopting corporate governance practices
(Registered MSMEs)
• Funding support for setting up of marketing hubs
Re-imbursement to ISO 18000/ISO 22000/ISO 27000 certification for MSMEs

• GoI assistance of Rs.0.50 lakh per programme (GoI:unit : : 8 0 : 2 0 ) – p e r awareness programme
• GoI assistance of Rs.10 lakhs (GoI:unit :: 80:20)-for cluster based study on packaging
• GoI assistance of Rs.9 lakhs (GoI:unit :: 80:20) for a group of 10 units towards unit based interventions
for packaging requirements in clusters 26
• GoI assistance of Rs.6 lakhs (GoI: unit :: 80:20) per cluster for skill upgradation programmes
• GoI assistance of Rs.8 lakhs (GoI:unit :: 80:20) per trade competition study
Re-imbursement up to Rs.75,000 per unit (North–East) for space charge, to and fro and transport charges
• The total re-imbursement up to Rs.30,000 per unit for SC/ST/woman/physically handicapped

entrepreneurs, and Rs.20,000 per person for other MSME units for participation in state and district level
trade fairs
• Re-imbursement up to 50% of total expenditure subject to maximum of Rs.45,000 per MSME for adopting
corporate government practices
• Funding support of Rs.30 lakhs (GoI) for marketing hubs, plus Rs.5 lakhs (GoI) for furniture, IT, etc., and
recurring expenses of Rs.15 lakhs (80% GoI, 20% private units) for 2 years
• One time re-imbursement of expenditure to the extent of 75% subject to a maximum of Rs.1 lakh in each
case for acquiring ISO certification.t based intervention for packaging requirement (pilot) (applicant as
mentioned in EoI)
For participation of MSMEs in state/district level trade fairs:
• SSC supported by the office of DC-MSME will identify and approve the manufacturing MSME
clusters/units for participating in state/district level local/exhibitions/trade fairs on the basis of responses
received through MSME-DIs, Industry Associations, and NGOs
• The applicant MSME will submit its claim along with required documents to the local MSME-DI office for
re-imbursement in the prescribed format. For adopting corporate governance practices office of the
DC-MSME will identify the MSME units for participating in this activity on the basis of the request
received through the MSME-DIs, Industry Associations and NGOs
• The applicant MSME unit should submit the claim along with required documents to the local MSME-DI
office for re-imbursement in the prescribed format for re-imbursement of certification
• The application form is given along with the scheme guidelines at: (http://www.dcmsme.gov.in /
schemes/MarkAssis.pdf)Fill in the application form and send it to the Regional MSME-DI along with
supporting documents.
What are the objectives of procurement and marketing support scheme?

Procurement and Marketing Support scheme has following objectives:
• To promote new market access initiatives like organizing / participation in National /International Trade
Fairs / Exhibitions I MSME Expo etc.
• To create awareness and educate the MSMEs on topics relevant for market access development.
• To create more awareness about trade fairs, digital advertising, e-marketing, GST, GEM portal, Public
Procurement policy and other related topics etc.
What are the activities being implemented by NSIC under the Marketing Assistance Scheme?
Organizing Domestic Exhibitions
b. Participation in Exhibitions/ Trade Fairs in India
c. Support for Co-sponsoring of Exhibitions organized by other organisations/ industry associations/

agencies
d. Buyer-Seller Meets
e. Intensive Campaigns and Marketing Promotion Events
f. Other Support Activities (Listed in MAS)

Who is eligible for availing benefits under the Marketing Assistance Scheme?
Micro, Small & Medium Enterprises having Udyog Aadhar Memorandum (UAM) and entry on MSME
databank are eligible for availing benefits under the Marketing Assistance Scheme.
What are the eligible components for availing subsidies under Marketing Assistance Scheme?
For participation in Domestic Exhibitions, Built- up stall is provided to MSMEs at subsidized rates.
How many times an MSME unit is eligible for participation in Domestic exhibition?
An MSME unit is eligible for participation in One Domestic exhibition in a financial year. Units belonging
to SC/ST entrepreneurs will be governed by special Marketing Assistance Scheme.
What is maximum budgetary limit for participation in a domestic exhibition?
The budgetary limit for participation in a domestic exhibition is Rs.15 lakhs (based on screening
committee approval). The support is provided on ‘First come First serve’ basis.
When should an MSME unit should apply to NSIC for participation in domestic exhibition?
The unit must apply to nearest NSIC branch office with complete documents atleast one month prior to
the commencement of the exhibition.
How do you define MSEs owned by SC I ST enterprises?
Definition of MSEs owned by SCI ST, as per clarification dated 25.6.2013 by Ministry of MSME under the
provision of para 16 of Public Procurement Policy for Micro and Small Enterprises (MSEs) Order, 2012, is
as given under: (a) In case of proprietary MSE, proprietor(s) shall be SC /ST. (b) In case of partnership
MSE, the SCI ST partners shall be holding at least 51% shares in the unit. (c) In case of Private Limited
Companies, at least 51% share shall be held by SC/ ST promoters.
What are the benefits and where do we need to go to avail marketing assistance scheme for
participation in International and Domestic exhibitions?
To avail the benefits for participation in International and Domestic exhibitions members can approach 2
of the government bodies NSIC and MSME DI.
MSME members can avail this benefits of Marketing Assistance for participation in International/Domestic
fairs. MSME units are entitled to get subsidies of space rent and airfare for participation in International
trade fair/domestic fair. Please note you will have to contact the NSIC for the preapproval , at least
2 months prior to participation for International fair/ domestic fair.
How can the MSME’s avail the grants for domestic exhibitions through?
For participation in domestic exhibitions members may visit the NSIC office and may request them
individually for availing the grants for exhibitions even though they are not listed.
Can benefits from Scheme for marketing assistance be availed from both Central & State
Government for same event?
This may be decided by the screening committee who has been applied to for availing the benefits.
Is there any fee for availing benefits of marketing assistance?

For scheme under State Government, there is no fee. Whereas, for availing benefits through NSIC
(Nodal agency) for Central Government, 10% of total expenditure of the Marketing assistance scheme
shall be re-imbursed to NSIC for implementing the scheme as administrative charges.
What is the mechanism for disbursement of assistance to the unit?

The assistance is provided in form of re-imbursement after submission of all the related expense details
with supporting.
Are these schemes limited to specific sectors only?

No. These schemes can be availed by any unit in any sector subject to approval of their application by
the screening committee.
For these schemes can units apply individually or they have to apply through any trade
association /organization?
Any unit can apply in either way individually for domestic exhibitions or through a trade association /
organizations in a group of at least 10 MSME’s for International exhibitions.
Which is the Nodal Agency for Marketing Assistance scheme?

Nodal Agency for schemes by Central Government is National Small Industries Corporations (NSIC)
and for schemes by State Government is MSME DI & District Industries Center (DIC).
Marketing Support/Assistance to MSMEs (Bar Code)
• Under this scheme, MSEs are encouraged to use bar-codes by virtue of seminars and reimbursement of
registration fees for bar coding.
• The main aim is to assist MSMEs in enhancing their competitiveness in national as well as
International markets by encouraging them to acquire ISO certification and Bar Codes, such
that their products become more acceptable to the consumers.
The basic objective of this scheme is to enhance the Marketing competitiveness of Micro & Small
Enterprises (MSEs) by way of:
• Providing 75% of one time registration fee and annual recurring fee (for first three years) paid by MSEs to
GS1 India (GS1 India, an autonomous body under Ministry of Commerce & Industry, Government of India
is a solution provider for registration for use of Bar Coding).
• Popularizing the adoption of bar codes on large scale amongst MSEs.
• Motivating and encouraging MSEs for use of bar codes through conducting seminars on Bar Code.
• Those MSEs who have Entrepreneurial Memorandum Part-II acknowledgement number from Directorate
of Industries/District Industries Centres and also have registration with GS1 India for use of Bar Codes.
Benefits & Procurement of Barcoding :

• Bar coding allows for timely and accurate capture of product information and its communication
electronically across the Supply Chain ahead of physical product flow, which helps in lowering inventory
costs, in accurate sales forecasting & dynamic production scheduling and in product track and trace
Financial assistance for reimbursement of 75% of one-time registration fee (Under MSE-MDA) w.e.f.
1st January, 2002 and 75% of annual recurring fee for first three years (Under NMCP) w.e.f.
1st June, 2007 paid by MSEs to GS1 India for the use of bar coding.
• MSME-DI prescribed application form for claiming reimbursement on Bar Code
Registration document for use of barcode for products.
• Contact the banks/KVIC etc for other details.

• On getting registration for use of barcode for products, (http://www.gs1india.org/), take the
following steps for reimbursement of fee:
• Fill the prescribed application form for claiming reimbursement on bar code.
• The application form along with formats for supporting documents may be collected from the Director,
MSME-DI, or can be downloaded from http://www.dcmsme.gov.in/
• The filled-in application form with required documents is to be submitted to the office of MSME-DI
• The address of MSME-DI is given on the website: http://www.dcmsme.gov.in/Contacts.htm#two
WHAT IS FINANCIAL ASSISTANCE ON BARCODE REGISTRATION FOR MSMES?

• The government has launched a Financial Assistance Scheme for MSMEs, which will make it highly
affordable for all micro and small business units in India to obtain GS1 Barcode Registration.
• As per this scheme, those MSMEs having MSME registration and who have applied for Barcode
Registration will be reimbursed 75% of the barcode registration fees.
• Besides, they will also be reimbursed 75% of the annual Barcode renewal fees for the first 3 years
This scheme will surely assist the MSMEs in India to attain the global standards in barcoding.
WHY IS FINANCIAL ASSISTANCE ON BARCODE REGISTRATION IMPORTANT?
• The main objective of providing Financial Assistance on Barcode Registration is to make the MSMEs in
India more competent.
•Nowadays, consumers prefer e-commerce portals due to their wide product range and great ease of
shopping.
•Such e-commerce portals seek more sellers on their platforms. Hence, the micro and small businesses
in India are getting new avenues to directly reach more customers from regional, national and global
markets.
• However, the MSMEs need to conform to global standards in order to get advantage of this opportunity.
• One such good practice is obtaining Barcode Registration and adopting GS1 barcodes.
COMPLETE BENEFITS OF GS1 BARCODES FOR MSMES?
Here are the key benefits MSMEs can have by using GS1 barcodes:
•It will help in a faster listing of their products on the e-commerce portals.
•Notably, if the MSMEs are operating online, GS1 barcodes will enhance their SEO. The search engines
usually provide precise search results of those companies’ websites having GS1 barcodes. Hence, we
see that GS1 barcodes will help increase the visibility of their products online.
• Moreover, GS1 barcode registration is necessary for doing business with modern global retail chains
such as Walmart, Pantaloons, Spencers, etc.
• GS1 barcode facilitates precise and fast billing, thus saves much time.
• It supports accurate real-time inventory management. It enables automated capturing of inventory data
with 100% accuracy. This way, it accelerates the supply chain.
• It ensures hassle-free & duly dispatch of consignment as per the customer order. This enhances
customer satisfaction.
• It will help the MSMEs manage a vast global client-base by meeting several buyer requirements
simultaneously.
• GS1 Barcode helps in meeting all international benchmarks for products.
•It will allow you to easily, track and recall the products.
Application form: http://www.dcmsme.gov.in/schemes/ApplicationFormBarCode.pdf

For more information on the scheme: Click here
MSME-Market Development Assistance
As part of a comprehensive policy package for MSMEs, MSME-MDA scheme has been announced with
a view to increasing the participation of representatives of participating units.
Objectives:
To encourage Small & Micro Enterprises in their efforts at tapping and developing overseas markets.
To increase participation of representatives of small/micro manufacturing enterprises under MSME
India stall at International Trade Fairs/Exhibitions
To enhance export from the small/micro manufacturing enterprises
To popularize the adoption of Bar Coding on a large scale
The scheme offers funding for:

1. Participation by manufacturing Small & Micro Enterprises in International Trade Fairs/ Exhibitions
under MSME India stall.
2. Sector specific market studies by Industry Associations/ Export Promotion Councils/ Federation of
Indian Export Organisation.
3. Initiating/ contesting anti-dumping cases by MSME Associations and
4. Reimbursement of 75% of one time registration fee (w.e.f. Ist January 2002) and 75% of annual
fees (recurring) (w.e.f. Ist June 2007) paid to GSI (Formerly EAN India) by Small & Micro units for
the first three years for bar code.
Eligibility criteria:
i) Unit having valid permanent registration with Directorate of Industries/ District Industries Centre.
ii) The selection of small/ micro manufacturing units would be done by MSME-DIs as per display product
profile, theme of the fair and space availability.
iii) Micro & Small manufacturing enterprise can avail this facility only once a year.
iv) Only one person of the participating unit would be eligible for subsidy on air fare.
v) the participating units under MSME India stall at International Trade Fairs/ Exhibitions has to pay 50%
of space rental charges of booked space (min. 6 sq.mtr.) by enterprises of General categories through
MSME-DIs by a DD favouring PAO (MSME), New Delhi at least one month advance of the
commencement of the event. In addition to this, selected units can book more space in multiple of
1x3 sq.mtr. on pro-rata basis and make payment accordingly. However, Women, SC&ST entrepreneurs &
entrepreneurs from North Eastern Region need not to pay space rental charges.
vi) The representatives of the participating units are required to carry and manage the samples (to and fro
including custom clearance etc.) for display under MSME India stall at the International Trade Fairs/
Exhibitions.
Permissible subsidy:
(I) The Govt. of India will reimburse 75% of air fare by economy class and 50% space rental charges for
Micro & Small manufacturing enterprises of General category entrepreneurs.
(ii) For Women/SC/ST Entrepreneurs & Entrepreneurs from North Eastern Region Govt. of India will
reimburse 100% of space rent and economy class air fare.
(iii) The total subsidy on air fare & space rental charges will be restricted to Rs.1.25 lakhs per unit.Other
conditions:
(I) Assistance shall be available for travel by one permanent employee/ Director/ partner/ proprietor of
the MSE unit in economy class.
(ii) Space allocation will be made by O/o DC (MSME) at its discretion and the decision will be final and
binding.
(iii) The offer is available on first come first served basis till space is available.
Procedure for availing Financial Assistance/Reimbursement of Expenses:
The application must reach to the Office of DC (MSME) through concerned MSME-DIs at least one
month in advance of the commencement of the event. The application must be accompanied by:
(i) Copy of the valid MSME registration issued by concerned GM (DIC)/ Director of Industries.
(ii) Demand Draft in favour of PAO (MSME), New Delhi for 50% rental charges of the booked space.
(iii) Details of one or two participating representatives of the unit with photo copy of their valid passport.
(iv) Proof of ownership of the unit as SC/ST/Women.

On the completion of the event, the participating unit must submit a claim for payment enclosing
the following:
(i) Pre-receipted bill in duplicate.
(ii) Photocopy of passport indicating therein entries regarding departure from and arrival in India and
also the country visited.
(iii) Original air ticket used during the journey. In case original air ticket is lost, a copy of the same
along-with a certificate indicating details of travel from the concerned airline may be furnished.
(iv) Participated units should furnish feedback report like business generated with value including
confirmed orders obtained etc.
(v) Claim form must be submitted within one month of return to India on completion of activity.
(vi) No refund/ adjustment of rental charges will be made by O/o DC (MSME).
Check list of documents to be enclosed with application form and claim form
FORM-I Application form for participation in fair/study tours/trade Delegation
Copy of MSME registration certificate.
Proof of FIEO/EPC membership.
CA's certificate for FOB exports over last 3 years.
A certificate/communication from concerned EPC/FIEO that the MSME unit will not be availing any
assistance for this activity from the EPC/FIEO.
Literature on the fair/event (if available).
FORM-II Claim form for participation in fair/study tour :
Pre-receipt (Form-III).
Photocopy of passport showing departure from India and return to India, visa, country/countries visited.
Original air ticket.
Report on participation etc.
ORM-III Pre-Receipt
FORM-IV Application form for assistance for publicity
Copy of MSME registration certificate.
Proof of FIEO/EPC membership.

CA's certificate for FOB exports over last 3 years.
A certificate/communication from concerned EPC/FIEO that the MSME unit will not be availing any
assistance for this activity from the EPC/FIEO.
Dummy copy of publicity material.
Quotations from 3 printers.

FORM-V Claim form for publicity
Pre-receipt (Form-III)
Actual copy of publicity material.
Copy of payment voucher/receipt from vendor/printer.
Application form for reimbursement of one time registration fee for adoption of bar code from GS1 India.
Q. How is the value of plant and machinery calculated?

Ans. In accordance with the M/o MSME (earlier M/o SSI) Notification no. S.O. 1642(E) dtd.29-09-2006
while computing the value of Plant and Machinery, the original Value of the machinery is to be taken
in to account. The components, to be excluded while computing the value of Plant and Machinery,
are detailed in the said notification.
Q. What are the main contents of the “Promotional Package” for Micro, Small & Medium
Enterprises of Ministry of MSME?
Ans. PROMOTION OF MICRO AND SMALL ENTERPRISES” announced by Shri Mahabir Prasad,
Minister of Small Scale Industries and Agro And Rural Industries In Lok Sabha on 27 February 2007
and on 2nd March 2007 in Rajay Sabha, provides for Credit Support, Fiscal Support, Support for Cluster
Based Development ,Technologies and Quality Upgradation Support,Marketing Support, Supports for
Entrepreneurial and Managerial Development Empowerment of Women owned Enterprises Strengthening
of Prime Minister’s Rozgar Yojana (PMRY), Strengthening of data base for MSME sector.
Important Link : http://dcmsme.gov.in/MSME-DO/SSIMDA.htm

http://www.dcmsme.gov.in/schemes/MSME_MDA_Guidelines.pdf
Pradhan Mantri Micro Units Development & Refining Agency (MUDRA)Yojana
Introduction :
The MUDRA Loan is provided under the Pradhan Mantri MUDRA Yojana(PMMY) to non-farming and
non-corporate micro and small enterprises.
It can provide loans upto Rs. 10 lakh. These loans are given by Commercial Banks, RRBs, Small Finance
Banks, MFIs and NBFCs. MUDRA has created three products or schemes - Shishu, Kishore and Tarun.
It also offers Credit Guarantee for MUDRA loans through National Credit Guarantee Trustee Company
Ltd (NCGTC)
Transport Vehicle - Purchase of transport vehicles for transportation of goods and passengers such as
auto, rickshaws, taxis, etc.
Community, Social & Personal Service Activities - Salons, Gymnasium, tailoring shops, dry cleaning,
courier agents, etc.
Food Products Sector - Achaar making jam/jelly making, agriculture produce preservations at rural level,
bread and bun making, etc.
Textile Products Sector - Handloom, power loom, khaki, knitting, traditional embroidery, apparel design,
etc.
Business Loans For Traders and Shopkeepers - Financial support by lending to individuals for running
their shops / trading & business activities/ service enterprises.
Equipment Finance Scheme for Micro Units - Purchasing machinery / equipment per beneficiary loan
size of up to Rs. 10 Lakh.
Activities allied to Agriculture - Pisciculture, bee keeping, poultry, livestock-rearing, diary, fishery, food
and agro processing, etc.
Shishu :-
Shishu under the MUDRA loan scheme provides up to Rs.50,000
to those entrepreneurs who are either in their initial stages of
business or looking to start one. There is no processing fee for Shishu.
Checklist:
• Machinery quotation and other items to be purchased.
• Details of the machinery to be purchased.
• Borrowers also have to provide details of the machinery supplier.
Kishore and Tarun:

• Kishore under the MUDRA loan offers up to Rs. 5 Lakh to those businesspersons who are looking for
additional funds to expand their operations. There is NO processing fee for Kishore. Tarun offers up to
Rs 10 Lakh and 0.5% processing fee of the loan amount.
Checklist:
Last 6 months of account statements from an existing banker
Balance Sheet for the last 2 years.
Income/sales tax returns.
Estimated balance sheet for 1 year or of the duration of the loan.
Memorandum and articles of association, if any.
Sales made before filling the loan application and in the current FY.
Borrowers also have to provide a report containing the economic and technical viability of the business.
Age : 18-65 years of age
• Who can avail ?
• Small manufacturing business ownersincluding individuals, MSMEs and Startups, Fruit and vegetable
sellers, Artisans, Shopkeepers, Vendors, Traders and other Service Sector activities Agri-allied and
non- farm income generating activities like pisciculture, bee keeping, poultry farming ,etc.
Proof of Identity - Self Attested copy of Aadhaar card/ PAN, Voter’s ID/Driving License/ Passport/ Valid
photo ID card issued by a Government employer
Applicant’s recent photograph (2 copies)
Proof of Address - Utility bill( electricity, telephone, water, gas, property tax, etc)/ Aadhaar Card/
Passport/ Bank Passbook or latest bank account/ Domicile Certificate
Proof of Business - Certificate/ License/ Registration or any other documents confirming the business
existence, address and ownership.
Other Documents - Photos of the business owners/partners, Proof of SC, ST, etc., Income/sales tax
returns, Bank account statements, Estimated balance sheet for 1 year or for the loan tenor.
No Collateral or Security is required.
Processing Charges are NIL except for Tarun(0.5%).
No minimum loan amount capping under MUDRA scheme.
Maximum loan amount offered is up to Rs. 10 Lakh.
Repayment Tenure is up to 5 years.

MUDRA loan can be availed by enterprises engaged in Manufacturing, Trading and Services Sectors.
Availed loan amont can be used to term loans and overdraft facilities.
Besides the credit constraints, the Non Corporate Small Business (NCSBs) also provide Development
and Promotional support like skill development, financial/business knowledge, etc.
Government of India shall provide Interest discount of 2% for first recipients for a period of 12 months.
Step 1: Choose the type of loan (Shishu/Kishore/Tarun). Download the loan application form from bank’s
official website or through http://www.mudramitra.in
Step 2: Fill in the application form with required details
Step 3: Submit the application form along with all the required documents.
Step 4: Wait for bank’s representative to call and further proceed with loan formalities from the desired
bank.
Step 5: Once the loan application form and attached documents are processed and verified, loan shall be
approved and further disbursed by the bank.
Step 1 : Applicants are required to visit their desired and nearest commercial and private sector bank.
Step 2 : Submit the downloaded and duly filled loan application form.
Step 3 : Submit the application form along with required documents
Step 4 : Complete all further bank’s formalities and procedures.
Step 5 : Once all the documents are verified, loan seal. Be approved.
Step 6 : After loan is approved, desired amount shall get disbursed to the mentioned bank account within
specified working days.
Q. What is the processing time under Shishu loan Scheme?

Ans: the processing time for Shishu loan scheme is 7-10 working days.
Q. Is MUDRA loan applicable to all the banks in India?

Ans: Yes, they are offered by almost every private and public sector banks of India
Q. What is the interest rate offered by MUDRA loans?

Ans: As per the guidelines of RBI, Mudra loan is offered at reasonable interest rate depending on the
applicant’s requirements and profile.
Q. Are MUDRA loans available for buying tempo, taxi or an auto?

Ans: Yes, only if the applicant is going to use these vehicles for the purpose of public transportation.
Q. I have a small business in wood carvings. Can MUDRA help me?

Ans: Yes, MUDRA loans are available for such activities through Banks? NBFCs/ MFIs.
Q. Are physically-challenged people eligible to avail MUDRA loans?

Ans: Every Indian citizen is eligible to avail this loan that has a business plan for income generation
activity.
Important Link : https://www.mudra.org.in

http://www.mudramitra.in
39 - 2% Interest Subvention Scheme for MSMEs 2018
Objectives : Encouraging both manufacturing and service enterprises to increase productivity and
provide incentives to MSMEs for on- boarding on GST platform which helps in formalization of economy,
while reducing the cost of credit.
Eligibility/ Applicability : All MSMEs who have valid GSTN Number and registered on Udyam portal.
Trading activities with KYC are also eligible.
Nature of Assistance : The interest relief will be calculated at two percentage points per annum
(2% p.a.), on outstanding balance from time to time from the date of disbursal / drawl or the date of
notification of this scheme, whichever is later, on the incremental or fresh amount of working capital
sanctioned or incremental or new term loan disbursed by eligible institutions.
How to Apply : MSMEs may apply directly to eligible lending institutions under the scheme.
Contact :
•Lending bank branch
•CEO-SIDBI
•MSME- Development Institutes under Office of Development Commissioner MSME
( contact details at annexure)
•Email: prasenjit@sidbi.in
•Phone:011-23448404
•Guidelines of this scheme can also be downloaded from:
1) http://dcmsme.gov.in/Notification_of_Interest_subvention_Sche me_2018.pdf
2) https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=11478 https://sidbi.in/files/circulars/
ISS-for-MSMEs,-2018---Circular- and-FAQs.pdf
40 - Technology Centres(Tool Rooms & Technology
Development Centres)
Objectives :
• The Technology Centres (TCs) have been set up to aid integrated development of MSMEs by providing
quality Tool, Industry ready manpower, consultancy in tooling & related areas and Processes & Products
development
• TCs serve in Tooling, Mould , Dies, Foundry & Forging, Electronics, Electrical Measuring Instruments,
Fragrance & Flavour, Glass, Sport Goods and Footwear designing sectors across the country.
Eligibility/ Applicability :
• Units desirous of availing tooling and dies facilities and consultancy services.
• The eligibility for training programmes includes fromschool
dropout to MTech level
• ToprovideaccessofMSMEstotoolingfacilitiesfor enhancement of their efficiency.
• Process & Product development in relevant sector.
• Consultancy and Job works in relevant Sector
• Skill Development.
How to Apply : Online application for training can be filled at respective Technology Centres’ website
or in person at Technology Centre. For tooling and consultancy services, the relevant Technology
Centres may be visited.
Contact : Head of the respective Technology Centres ( contact details at annexure).

41 - Scheme of Fund for Regeneration of Traditional
Industries (SFURTI)
Objectives :
To organize the traditional industries and artisans into clusters in order to make them competitive and
provide support for their long- term sustainability.
• The GoI assistance for various clusters: Regular Clusters (up to Eligibility to Apply as Implementing
Agency (IA) 500 artisans) – up to ₹ 2.50 cr. per cluster; Major Clusters (more than 500 artisans) – up to
₹ 5.00 cr. per cluster.
• The scheme supports ‘Soft’, ‘Hard’ and ‘Thematic Interventions’. Soft Interventions: 10% of Hard
Interventions with maximum ceiling of ₹ 25.00 lakhs (100% scheme funding); Hard Interventions:
As per project requirement. 90% (95% in case of NER, J&K and Hilly States) of Hard Intervention cost
is covered under GoI support. 10%-5% (NER, J&K and Hilly States) is contributed by IA/SPV along
with land.
Eligibility to Apply as Implementing Agency (IA) :

• Non-Government Organizations (NGOs), institutions of the Central and State Governments and
semi-Government institutions, field functionaries of State and Central Govt., Panchayati Raj institutions
(PRIs), etc. with suitable expertise to undertake cluster development.
• Private Sector /Corporate entities can also take up projects directly by forming cluster-specific SPVs.
• Corporate and Corporate Social Responsibility (CSR) foundations with expertise in cluster development
are encouraged to participate as Implementing Agencies. In case where a private sector entity is the IA,
it shall contribute at least 50% of total project cost excluding the cost of land.
How to apply : The eligible agency/ organization has to submit the proposal through SFURTI portal to
any of the other designated Nodal Agencies under the scheme (as mentioned in the guidelines and as
appointed from time to time) for onward submission to Ministry and Scheme Steering Committee for
approval.
The Guidelines of SFURTI scheme is available at: https://sfurti.msme.gov.in/WriteReadData/Circular/
SFURTI_NEW.pdf
Application can be submitted at: https://sfurti.msme.gov.in/SFURTI/SfLogin.aspx
Contact : Director/Deputy Secretary (ARI), Ministry of MSME. Email: sfurti.msme@gov.in

Phone : 011-23061636
42 - A Scheme for Promotion of Innovation, Rural
Industry and Entrepreneurship (ASPIRE)
Objectives :
To set up a network of Livelihood Business Incubators (LBIs) and Technology Business Incubators (TBIs)
with an aim to create jobs and reduce unemployment by promoting culture of entrepreneurship and
innovation in the Agro-rural sector.
Eligibility :
N. ational Small Industries Corporation (NSIC), Khadi and Village Industries Commission (KVIC), Coir
Board or any other Institution/agency of GoI/State Govt. can set up LBI Private partner institutions and
entities can also set up LBIs under PPP mode with aforesaid institutions like NSIC, KVIC, Coir Board or
any other Institution /agency of GoI/State Govt.
Existing incubation centres currently operating under different Ministries and Departments of Government
of India or institutions including National/Regional level institutions of GoI/State Govts. Existing incubator
should have adequate expertise/ infrastructure to support incubation activity for promoting Innovation,
Entrepreneurship, agro-based industry.
Eligible private institutions including Industry Associations, along with Academic Institutions, R&D
laboratories, Universities, Government entities, Technology Parks, Technical institutions with a proven
track record in promotion of technology based entrepreneurship in agro- rural landscape can set up new
incubation centres
LIVELIHOOD BUSINESS INCUBATOR-
One time grant of 100% of the cost of Plant and Machinery, other than land and infrastructure, up to
INR 100 Lakhs, for Government agencies. For PPP mode with Govt., one-time grant of 50% of cost of
Plant & Machinery, other than the land and infrastructure, or INR 50.00 Lakhs, whichever is less.
TECHNOLOGY BUSINESS INCUBATOR-
One-time grant of 50% of cost of Plant & Machinery excluding the land and infrastructure or an amount
up to INR 100 Lakhs, whichever is less. For existing TBIs, one-time grant of 50% of cost of Plant &
Machinery excluding the land and infrastructure or an amount up to INR 30 Lakhs, whichever is less.
How to apply : The Eligible institution/Agency has to submit the proposal in a prescribed format given
in the scheme guidelines to js.ari@nic.in or aspire-msme@gov.in for onward submission to the Scheme
Steering Committee for approval. The guidelines of the ASPIRE Scheme is available at
https://aspire.msme.gov.in/ASPIRE/Home.aspx
Contact : Director/Deputy Secretary (ARI), Ministry of MSME Email: supriyo.ghosh47@gov.in

Phone : 011-23062636
43 - Design Expertise to manufacturing MSME sector
Objectives :
• To bring Indian manufacturing sector and Design expertise/ Design fraternity on to a common platform
and to provide expert advice and cost effective solution on real time design problems, resulting in new
product development, continuous improvement and value addition for existing products including new
products.
Eligibility
All MSMEs having Udyam Registration and also MSMEs which are included as per executive orders
issued by the office of DC, MSME consistent with MSME Act from time to time.
Assistance for Professional Design & Student Design Projects.
•Design Projects: Financial assistance to the MSMEs for engagement of design consultants for design
intervention (GoI contribution @ 75% for micro, 60% for SMEs for the project range Rs. 15 lakh to
Rs. 40 lakh).
•Student Projects: Financial assistance to parent Design Institutions for reimbursing 75% of expenses
incurred (max. up to Rs. 1.5 lakh) for final year student project done for MSMEs.
How to apply : The MSME can submit their application to IISc Bengaluru /IA
Contact :
•IISc Bengaluru /IA
•FieldofficesofDevelopmentCommissionerMSME
(Contact details at annexure)
44 - Lean Manufacturing Competitiveness Scheme
(LMCS)
Objectives :
The objectives of the Scheme is to enhance the manufacturing competitiveness of MSMEs through the
application of various Lean Manufacturing (LM) techniques by;
• Reducing waste;
• Increasing productivity;
• Introducinginnovativepracticesforimprovingoverall competitiveness;
• Inculcating good management systems; and
• Imbibing a culture of continuous improvement.
Eligibility Applicability :
All MSMEs having Udyam Registration and also MSMEs which are included as per executive orders
issued by the office of DC, MSME consistent with MSME Act from time to time. The units are required to
form a MC ideally of 10 units (minimum 4) in any of the forms
Financial assistance to the lean Manufacturing consultant upto Rs 36 Lakhs per mini cluster of 4-10 units
for a period of 18 months or till completion (GoI: Units:80:20)
How to apply : The MSMEs can contact MSME Development Institutes, Technology Centres, Testing
Centres /Central Government and its organizations.
Contact :
MSME-Development Institutes under Office of Development
Commissioner MSME/IA ( details at annexure).
45 - Support for Entrepreneurial and Managerial
Development of MSMEs through Incubators
Objectives :
• To promote & support untapped creativity of individual and
• To promote adoption of latest technologies in manufacturing as well as knowledge based innovative
MSMEs (ventures) that seek the validation of their ideas at the proof of concept level.
Eligibility Applicability :
• Technical colleges, Universities Colleges other professional Colleges/ Institutes, R&D institutes, NGO
involved in relevant activities etc., EDCs of DC (MSME), MSME-DIs/TCs /DICs or any
institute/organization of Central/State Govt. may apply to register as Host Institute.
• Students/Udyam Registered MSMEs can apply to the registered Host Institute for developing and
nurturing the ideas.
• Up to 15 lakh per idea shall be provided to Host Institute (HI) for developing and nurturing of ideas.
• Up to Rs. 1.00 crore for procurement and installation of relevant plant and machines including hardware
and software etc., in Business Incubator (BI).
• Up to Rs. 1.00 Crore as seed capital support to appropriate Incubates in the form of soft loan, interest
free loan, equity participation, grant or combination of these etc.
How to apply : Proposals will be submitted to Implementing Agencies (IA) and after initial scrutiny; same
will be put up to PMAC through NMIU for consideration and approval on MIS portal for availing the benefit
of the schemes. Link: http://my.msme.gov.in/inc/
Contact :
MSME- Development Institutes under Office of Development Commissioner MSME ( details at annexure).
MSME-Technology Development Centres under Office of Development Commissioner MSME
( details at annexure).
1 - Udyam Registration
About :
Government has organized a system to facilitate the registration of MSMEs. An enterprise for the purpose
of this process will be known as Udyam and its Registration Process will be known as 'Udyam
Registration’. A permanent registration number will be given after registration.
After completion of the process of registration, a certificate will be issued online. This certificate will have
a dynamic QR Code from which the web page on the Portal and details about the enterprise can be
accessed. There will be no need for renewal of registration. Registration Process is totally free of cost.
Single window systems at Champions Control Rooms and at DICs will help in the process.
Any person who intends to establish a micro, small or medium enterprise may file Udyam Registration
online in the Udyam Registration portal, based on self-declaration with no requirement to upload
documents, papers, certificates or proof.
Basic Features :
•MSME registration process is fully online, paperless and based on self-declaration.
•No documents or proof are required to be uploaded for registering an MSME, only Aadhaar Number will
be enough.
•PAN & GST linked details on investment and turnover of enterprises will be taken automatically from
Government data bases.
•Online system will be fully integrated with Income Tax and GSTN systems.
•PAN & GSTIN would be mandatory from 01.04.2021.
•Erstwhile EM-II or UAM registration or any other registration issued by any authority under the Ministry of
MSME, will have to re-register under Udyam Registration.
•No enterprise shall file more than one Udyam Registration. However, any number of activities including
manufacturing or service or both may be specified or added in one Registration.
Web Address :
• https://udyamregistration.gov.in/Government-India/Ministry- MSME-registration.htm
2 - CHAMPIONS (Creation and Harmonious
Application of Modern Processes for Increasing the
Output and National Strength) Portal
Description :
It is a unified, empowered, robust and technology driven platform for helping and promoting MSMEs of
the country. It is a web based portal which will provide facilities to the MSMEs and other related
stakeholders to voice their issues and grievances and get resolution and way forward. For successful
running of this portal, there is a central Control room in Delhi and 68 State control rooms in different States.
Three basic objectives of the CHAMPIONS:
i.Grievance Redressal: To resolve the problems of MSMEs including those of finance, raw materials,
labor, etc.
ii.To help MSMEs capture new opportunities: To help the MSMEs capture new opportunities in
manufacturing and services sectors.
iii.To identify and encourage the sparks: i.e. the potential MSMEs who can withstand the current situation
and can become national and international champions.
Basic Features:
•750+ FAQs related to existing and new schemes of Government of India related to MSME sector.
•Integration with various portals such as MSME Samadhaan, Udyam Registration, etc. launched by
Ministry of MSME to ease out burden of MSMEs.
•Appointment of Nodal Officers from various Public/Private Banks, Central Govt. Ministries, State Govt.
Departments and PSUs for direct handling of grievances.
•Dedicated section for COVID-19 related information.
•Provision to capture ideas and suggestions received from MSMEs.
•Regular updates on recent development in MSME space
•It is enabled by AI & ML with provisions of monitoring social media indices.
Link :
https://champions.gov.in/Government-India/Ministry-MSME- Portal-handholding/msme-problem-complaint
-welcome.htm
3 - MSME SAMADHAAN Portal
Description :
Micro, Small and Medium Enterprise Development (MSMED) Act, 2006 contains provisions to deal with
cases of delayed payments to MSEs. As per the provisions, the buyer is liable to pay compound interest
with monthly rests to the supplier on the amount delayed at three times of the bank rate notified by
Reserve Bank. In case he does not make payment to the supplier for the supplies of goods or services
within 45 days of the day of acceptance of the goods/service or the deemed day of acceptance.
MSME Delayed Payment Portal – MSME Samadhaan (https://samadhaan.msme.gov.in/MyMsme/

MSEFC/MSEFC_W elcome.aspx ) has been launched empowering micro and small
entrepreneurs across the country to directly register their cases
relating to delayed payments by Central Ministries/Departments/CPSEs/State Governments and other
buyers.
Who all are eligible :

Any Micro or Small enterprise
Link :
https://samadhaan.msme.gov.in/MyMsme/MSEFC/MSEFC_Welco me.aspx
4 - MSME SAMPARK Portal
Description :
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 2.5 lakh students
annually and most of them are being absorbed by industry within the country as well as abroad.
Identifying the right employment opportunity for these skilled youth is a major challenge. While major
corporates 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 etc. To bridge this gap between
the recruiters and job seekers, the
Ministry of MSME has launched MSME SAMPARK.
Who all are eligible :

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
Link :
http://sampark.msme.gov.in
Annexures
Annexure 1: MSME Development Institutes (DI)
Email Website Address
21,Harish Thakur road,
Agartala dcdi-agartala@dcmsme.gov.in www.msmedi-agartala.nic.in Agartala –799001
Ph :0381-2322640
34, Industrial Estate, Nunhai,

Agra dcdi-agra@dcmsme.gov.in www.msmediagra.gov.in (U.P.),Agra -282 006.
Ph :0562-2280879
Harsiddh Camber, 4th Floor,

Ashram Road,(Gujarat),
Ahmedabad dcdi-ahmbad@dcmsme.gov.in www.msmediahmedabad.gov.in Ahmedabad -380 014. Ph
:079-27540619 , 079-
7544248
E-17/18, Industrial Estate,

Allahabad dcdi-allbad@dcmsme.gov.in www.sisiallahabad.gov.in Naini,Allahabad -211 009.
Ph :0532-2697468/6810
Rajaji Nagar, Industrial Estate

Bangalore dcdi-bang@dcmsme.gov.in www.msmedibangalore.gov.in Bangalore -560 044. Ph :080-
23151540/ 582/583
65/1,G.S.T. Road, Guindy,

P.B. 3746,Chennai -600 032.
dcdi-chennai@dcmsme.gov.in www.msmedi-chennai.gov.in
Chennai Ph :044-22501011 , 044-
22501475
Vikas Sadan, College

dcdi-cuttack@dcmsme.gov.in www.msmedicuttack.gov.in Square,Cuttack -753 003.
Cuttack Ph :0671-2548006 /077 /049
Tadong Housing Colony, P.O.

dcdi-gangtok@dcmsme.gov.in www.sikkim.nic.in Tadong,Gangtok -737102
Sikkim Ph :03592-231262 /880
Industrial Estate Bamuni

dcdi-guwahati@dcmsme.gov.in www.sisiguwahati.gov.in Maidam,Guwahati -781 021.
Guwahati Ph :0361-2550052, 2550073
Kham Bungala
Haldwani Campis,Kaladungi
dcdi-haldwani@dcmsme.gov.in www.msmedihaldwani.gov.in
Road,Haldwani -263139.
Ph :05946-228353
P.T.O.
Industrial Estate, Gokul
Road,Hubli -580 030 Ph
Hubli dcdi-hubli@dcmsme.gov.in www.msmedihubli.gov.in :0836-
2332334/2330589/23356
34
Narsapur Cross Roads,

Bala Nagar,Hyderabad -
Hyderabad dcdi-hyd@dcmsme.gov.in www.msmehyd.ap.nic.in
500 037.
Ph :040-23078857
C-17/18, Takyelpat
Industrial estate,,Imphal -
Imphal dcdi-imphal@dcmsme.gov.in www.msme-diimphal.nic.in
795 001.
Ph :0385-2449096
10, Industrial Estate,Polo

Indore dcdi-indore@dcmsme.gov.in www.sisiindore.nic.in Ground,Indore -452 003.
Ph :0731-2420723
22, Godown, Industrial

Estate,Jaipur -302 006.
Jaipur dcdi-jaipur@dcmsme.gov.in www.msmedijaipur.gov.in
Ph :0141-2212098/3099/
0553
36, B/C,Gandhi
Jammu dcdi-jammu@dcmsme.gov.in www.msmedijammu.gov.in Nagar,JAMMU -180 004.
Ph :0191-2431077
107, Industrial
Estate,Kalpi Road,Kanpur
Kanpur dcdi-kanpur@dcmsme.gov.in www.sisikanpur.gov.in -208 012.
Ph :0512-2295070 ,
0512-2295071
Industrial Development
Colony, Near
Karnal dcdi-karnal@dcmsme.gov.in www.sisiharyana.gov.in ITI,Kunjpura Road,Karnal
-132 001. Ph :0184-
2230910
111 & 112, B.T.

Kolkatta dcdi-kolkatta@dcmsme.gov.in www.sisikolkata.gov.in Road,Kolkata -700 035.
Ph :033-25770595/598
Industrial Area
Ludhiana dcdi-ludhiana@dcmsme.gov.in www.sisildh.gov.in B,Ludhiana -141 003 Ph
:0161-2531733 /735
Opp. Konkan Railway
Station. (Kepem Road),
dcdi-goa@dcmsme.gov.in www.msmedigoa.gov.in P.O. Box 334,Margao 403
Margao 601.Ph :0832-
2705092/93,2725979
C- Block, C.G.O.
Complex, Seminary
Mumbai dcdi-mumbai@dcmsme.gov.in www.msmedimumbai.gov.in Hill,Nagpur-440 006.
Ph.:02228576090/285730
91/28579092
Institute,Goshala Road,
dcdi-mzfpur@dcmsme.gov.in www.msmedimzfpur.bih.nic.in P.O. Ramna, Muzaffarpur
Muzaffarpur
-842 002.
Ph :0621-2282486
C- Block, C.G.O Seminary

Nagpur dcdi-nagpur@dcmsme.gov.in www.sisinagpur.nic.in Hill, Nagpur
440006.Ph.:02228576090/
28573091/28579092
Okhla Industrial Estate,
Dcdi-ndelhi@dcmsme.gov.in www.msmedinewdelhi.gov.in New Delhi -110 020. Ph
New Delhi :011-26847223 ,
26838118 / 269
Patilputra Industrial
dcdi-patna@dcmsme.gov.in www.msmedipatna.bih.nic.in Estate, Patna -800 013.
Patna Ph :0612-2262719 , 0612-
2262186 , 0612- 2262208
Near Urkala Railway
dcdi-raipur@dcmsme.gov.in www.msmediraipur.gov.in StationGirgaon, Raipur
Raipur Ph :0771-2102700
Kokar Industrial
dcdi-ranchi@dcmsme.gov.in www.sisiranchi.nic.in Estate,Ranchi -834001.
Ranchi Ph :0651-2544161/392
Chambaghat, Solan -
dcdi-solan@dcmsme.gov.in www.sisihimachal.nic.in 173213.
Solan Ph :01792-230766
Kanjany Road,
dcdi-thrissur@dcmsme.gov.in www.msmedithrissur.gov.in Ayyanthole, Thrissur -680
Thrissur 003.
Ph :0487-2360216/686
Annexure – 2: Existing Technology Centres
B-36,Chandaka Industrial
CTTC
cttc@cttc.gov.in https://www.cttc.gov.in/ Area, Bhubaneswar-751024
Bhubaneswar
Ph: 0674-3011701
A-5, Focal Point Ludhiana -

info@ctrludhiana.com
CTR Ludhiana https://www.ctrludhiana.com/ 141 010
Ph: 0161-2670057
291/B-302/A, Sector E;
Industrial Area, Sanwer
IGTR Indore igtrindore-mp@nic.in http://www.igtr-indore.com/
Road, INDORE 452 015 M.P.
Ph: 0731-4210704
Plot no. 5003, Phase IV,

IGTR GIDC, Mehmedabad Road,
gm@igtrahd.com https://www.igtrahd.com/
Ahmedabad Vatva, Ahemdabad – 382445
Ph: 079- 25840966
P-31, M.I.D.C. Industrial

IGTR Area, Chikalthana,
gm@igtr-aur.org http://www.igtr-aur.org/
Aurangabad Aurangabad - 431 006,
Ph: 0240- 2486832
M-4 (Part), Phase VI Tata

IDTR Kandra Road, Gamharia
reach@idtrjamshedpur.com https://www.idtr.gov.in/
Jamshedpur Jamshedpur 832 108
Ph: 0657-2201261/2
Amingaon Industrial Area,
North Guwahati Road,
TRTC Guwahati trtcghy@hotmail.com https://www.trtcguwahati.org/ Amingaon, Guwahati –
781031
Ph: 0361- 2680907
G.T. Road, Bye Pass, Opp.
Shaheed Bhagat Singh
CIHT Jalandhar info@ciht.in http://www.ciht.in/ Colony, Jalandhar City - 144
008, Punjab
Ph: 0181-2290225
Bon Hooghly Indl. Area
http://www.msmetoolroomkolk Kolkata 700 108 (W.B.)
CTTC Kolkata cttc-msme@gov.in
ata.com/
Ph: 033-25776350
P.T.O.
A-1 to A-8 APIE, Balanagar
Hyderabad 500 037
CITD pd@citdindia.org http://www.citdindia.org/ (Telangana)
Hyderabad
Ph: 040- 23772748
Kaniya Ramnagar, Nainital,

ESTC pd_estc@estcindia.com h p://www.estcindia.com/ 244715
Ramnagar Ph: 05947-252168
Swatantryaveer Tatya Tope

Marg, Chunabhatti, Sion,
IDEMI pd@idemi.org http://www.idemi.org Mumbai – 400022, India
Mumbai
Ph: 022 -24050301/2
G.T. Road Markand Nagar

FFDC ffdcknj@gmail.com Kannauj – 209726 (U.P)
Kannauj http://www.ffdcindia.org/
Ph:05694-234791
A 1/1, Industrial Area,

CDGI http://www.cdgiindia.net Jalesar Road, Firozabad,
cdgifzbd@gmail.com
Firozabad Uttar Pradesh, 283203
Ph: 05612-203238
Foundry Nagar Char Puliya

PPDC http://www.ppdcagra.dcmsme.
info@ppdcagra.in Road, Near Post Office,
Agra gov.in/
Uttar Pradesh, 282006
Ph: 0562-2344673
Sports Goods Complex,
info@ppdcmeerut.com Delhi Road, Meerut –
PPDC http://www.ppdcmeerut.com/
Meerut 250002
Ph: 0121-2511779
C-41 & 42, Site- C,
Industrial Area, Sikandra,
CFTI info@cftiagra.org.in http://www.cftiagra.org.in/ Agra, Uttar Pradesh –
Agra 282007
Ph: 0562-2642005
65/1, GST Road, Guindy,
Chennai – 600032, Tamil
CFTI cfti@cftichennai.in https://www.cftichennai.in/
Nadu, India
Chennai Ph: 044-22501529
Address Mother TC Contact
Extension Centrer PPDC, Agra Sh. Vijay.D

Thiruvalla Thiruvalla, Manjady. P.O. Mob. No. 09944971623
Kerala Thiruvalla, Kerala - 689105 Email:
vijay.msmetdc@gmail.com
Plot No. P-179, IGTR, Auragabad Sh. H. D. Kapse
Waluj MIDC Industrial Area, Ph. No. 09372055001
Maharashtra Waluj, Email: gm@igtr-aur.org
Aurangabad - 431136
Odisha School of Mining CTTC, Bhubaneswar Sh. L. Rajashekhar
Keonjhar Engineering (OSME), Mob. No. 09437491950
Odisha Keonjhar Email: cttc@cttc.gov.in
Govt. ITI, Bhawanipatna CTTC, Bhubaneswar Sh. L. Rajashekhar

Bhawanipatna Mob. No. 09437491950
Odisha Email: cttc@cttc.gov.in
Government ITI, CTTC, Bhubaneswar Sh. L. Rajashekhar

Berhampur, Ganjam Mob. No. 09437491950
Berhampur
Odisha District, Odisha. Email: cttc@cttc.gov.in
Extension Centre Kota, Plot IGTR, Indore Sh. Sachin Sarswat

No. A-1 & A-2, DCM Road, Mob. No.09660487345
Kota Kota, Rajasthan-324004 Email:
Rajasthan
sachin.sap2015@gmail.com
Industrial Area, PPDC, Agra Sh. Goutam Maiti

Basni Road, Rotary Mob. No. 09748937540
Nagaur
Choraha, Email:
Rajasthan
Nagaur -341001. goutam.msmetdc@gmail.com
Plot No. A3 – A2, Industrial PPDC, Agra Sh. Deepak Gupta

Udaipur Estate, Pratap Nagar, Mob. No. 09167921531
Rajasthan Khempura, Udaipur, Email:
Rajasthan - 313003 deepakgupta@msmetdc.in
Madurai SIDCO Industrial Estate, PPDC, Agra Sh. K. Jayachandiran

Tamil Nadu Melur Road, K. Pudur, Mob. No. 09962873778
Madurai, Email:
Tamilnadu - 625007 jayachandiran@gmail.com
Karimnagar IT Incubation Centre, CITD, Hyderabad Sh. Prabhu H.S.

Telangana Lower Manair Dam, Ph. No. 09845199381
Vemulawada Bypass Road, Email: pd@citdindia.org
Karimnagar- 505001
Kham Banglow Campus, ESTC, Ramnagar Sh S.K.Chetti
Haldwani Kaladhungi Road, Ph: 05947-251530
Uttrakhand Haldwani, Distt. Nainital, Mob: 09917684846
UK - 263139 Email:
pd_estc@estcindia.com
Sh. A. S. Umasankar,
MSME-DI Campus, 111 & CFTI, Agra Asstt. Director (Mgt.)
Kolkata
West Bengal 112, BT Road, Kolkata Mob. No. 09012945651
Email:
a.s.umasankar@gmail.com
Jaipur Opposite Godam 13, 22 PPDC, Agra Sh. Deepak Gupta

Rajasthan Godam Industrial Estate, Mob. No. 09167921531
Jaipur-302006 (Rajasthan). Email:
deepakgupta@msmetdc.in
Extension Centre PPDC, Agra Sh. D. Balaguru
Ettumanoor
Kerala Ettumanoor Industrial Mob. No. 09600776611
Estate, Ettumunoor, Email:
Kerala - 686631 balaguru.msme@gmail.com
Annexure – 3: Extension Centres of Technology
Centres
MSME – DI Campus, TRTC, Guwahati Sh. Kajal Kumar Saha,

Jorhat Jorhat Project Manager
Assam Mob. No. 09864058962
Email: trtcghy@hotmail.com
MSME-DI Campus, PPDC, Meerut Sh. Sunil Gupta
Okhla Shahid Capt. Gaur Marg, Mob. No. 7060448744
New Delhi Okhla, New Delhi Email:
tcmeerut@dcmsme.gov.in
Plot no-MD-1/1,Sanand - IGTR, Ahmedabad Sh. Indrakuamr Hariramani
Sanand II Industrial Estate, Mob. No. 09662035200
Gujarat Ahmedabad, Gujarat Email: gm@igtrahd.com
Plot no -383, Multilevel IGTR, Ahmedabad Sh. Indrakuamr Hariramani

Bhavnagar shed, Chitra GIDC, Mob. No. 09662035200
Gujarat Bhavnagar ,Gujarat Email: gm@igtrahd.com
CTR Extension Centre, CTR, Ludhiana Sh. A. P. Sharma

Nilokheri (ITC Building) Kissan Basti, 09872320993
Karnal Nilokheri. Email: info@ctrludhiana.com
Govt. ITI,Govt. Quality CTR, Ludhiana Sh. A. P. Sharma

Faridabad Marking Centre, NH-4, 09872320993
Haryana Near Bhagat Singh Ckowk, Email: info@ctrludhiana.com
Faridabad
Extension Centre Srinagar, PPDC, Agra Sh. Ashwin Dhivakar
Opposite Industrial Estate, Mob. No. 09779973943
Srinagar
J&K Sanat Nagar, Srinagar, Email:
J&K - 190005 tcppdcagra@dcmsme.gov.in
MSME Development IDEMI, Mumbai Ms. Shikha Pal
Institute, Rajaji Nagar Mob. No. 09540707946
Industrial Estate, West of Email:
Bengaluru
Chord Road, Bengaluru, idemi.ext.bglr@gmail.com
Karnataka
Karnataka - 560010
Annexure – 4: New Technology Centres
Address
TC Bhiwadi Plot No.-SP3/ 871(A), Pathredi Industrial Area, Bhiwadi, Rajasthan
Sector B, Borai industrial area, District Durg

TC Durg Chhattisgarh
TC Bengaluru C.A. Plot No. 06, Bengaluru Aerospace Park, Bengaluru, Karnataka
TC Rohtak Plot No.- 10 &11, Sector 30-B, IMT, Rohtak , Haryana
Plot No.- 06, IC-Pudi, near APSEZ, at Achutapuram, Visakhapatnam

TC Vizag District, Andhra Pradesh
Village- Bhatolikalan (Hadbast No. 214), Tehsil Baddi, Dist. -Solan,

TC Baddi
Himachal Pradesh
TC Sitarganj Plot No. 12, Sector-03, IIE, Sitarganj, Phase 2, Uttarakhand
21 - Pillaichavady Revenue Village, Oulgaret Taluk at RS. No. 170/2

TC Pudducherry
Pillaichavahy, Kalapet
Industrial Area, with special educational zone, Acharpura, Bhopal. Plot No

TC Bhopal
259/2, 261, 267/2/1
Annexure – 5: Regional Testing Centres
Address
TC Kanpur Atherton Mill, Fazulganj Industrial Estate, Kanpur
TC Imphal Nilakuthi Food Park, NH 39, Imphal, Manipur
Opp. Infrastructure Kerala Limited (INKEL) Tower 1, Angamaly South,

TC Erankulam
Angamaly, Kerala 683573
TC Greater Plot No.-3,Sector Ecotech-VIII, Greater Noida, Dist.-Gautam Budh Nagar

Noida (U.P.)
Plot No.-A8, Industrial area, MIP Bhita, Thana No. 51, Village
TC Patna
Sikandarapur, Dist Patna.
TC Plot No. G-105/1, Vallam A, SIPCOT Industrial Park , Vallam Vadagal,

Sriperumbudur Kanchipuram, Tamil Nadu
P.T.O.
MSME Testing Captain Gaur Marg, Okhla

Centre, New Phase III, Okhla Industrial
Delhi dctc-nr@dcmsme.gov.in http://www.msme-tc-nr.gov.in/ Area, New Delhi, Delhi
110020
Ph: 011-6312587
MSME-DI Campus, Kurla
Andheri Road,
MSME Testing http://www.msmetcmumbai.g
dctc-wr@dcmsme.gov.in Saki Naka, Mumbai-400
Centre, Mumbai ov.in/
072
Ph: 022-28571775
Ministry of Micro Small and
Medium Enterprise ,Bldg.
MSME Testing ctc-er@dcmsme.gov.in http://www.msmetckol.gov.in/ No. 111 & 112 , B.T.Road ,
Centre, Kolkata Kolkata – 700108
Ph: 033-35772482
65/1, GST Road, Guindy,

MSME Testing dctc-sr@dcmsme.gov.in http://msmetc.com/ Chennai – 600032
Centre, Chennai Ph: 044-22500634
Annexure – 6: Regional Testing Centres
Opp. State Bank of India,

Hyderabad Industrial Estate, Santnagar
dctc-nr@dcmsme.gov.in http://www.msme-tc-nr.gov.in/
Hyderabad-500018
Ph: 040-23704371
Rajaji Nagar Industrial

dcdi- http://www.msmetcmumbai.g Estate, Bangalore-560044
Bengaluru bang@dcmsme.gov.in ov.in/ Karnataka
Ph: 080-23144506
PB No. 7, Industrial Estate,
Neendoor Road,
msme-
Ettumanur http://www.msmetckol.gov.in/ Ettumanur, Kottayam Dist.
ettu@dcmsme.gov.in
Kerala 686631
Ph: 0481-2535718
Shed No.W47E, Industrial
Bhopal dcts- Area Govindpura, Bhopal-
http://msmetc.com/
bhopal@dcmsme.gov.in 462023,
Ph: 0755-2586075
MSME-TS,P-31, MIDC
Shiroli : Industrial Area ,
dcts- http://msmetc.com/
Kolhapur Kolhapur-416122,
kolha@dcmsme.gov.in
Maharashtra
Ph: 0230-2469366
MSME-TS, Laboratory
Building 22,Godown,Jaipur-
dcdi- http://www.msmedijaipur.gov.i
Jaipur 302006
jaipur@dcmsme.gov.in n/
Rajasthan
Ph: 0141-2210553
MSME-TS, Tamil Nadu,
https://tc.dcmsme.gov.in/Testi
Puducherry Thattachavadi, Puducherry-
dctc-sr@dcmsme.gov.in ngCenter/TestCharger_Pudu
635009
cherry.aspx
Ph: 0413-2248110
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For Further Details on MSME Schemes
Please Contact:
Office of the Development Commissioner (MSME) Ministry

of Micro, Small & Medium Enterprises Government of India
A Wing 7th Floor, Nirman Bhawan,
New Delhi-110108, PABX No-011-23063800
Website: dcmsme.gov.in or msme.gov.in

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GOVERNMENT SCHEMES

For Internal Circulation Only

Indian Chamber of International Business

Published on: January 2021

Indian chamber of international business in its effort to support and

Indian Chamber of International Business is one of the leading organizations

32 - I-CAN ATMANIRBHAR BHARAT SCHEMES REPOSITORY

33- I-CAN ATMA NIRBHAR BHARAT SCHEMES REPOSITORY

34 - I-CAN ATMANIRBHAR BHARAT SCHEMES REPOSITORY

35 - I-CAN ATMANIRBHAR BHARAT SCHEMES REPOSITORY

36 - I-CAN ATMANIRBHAR BHARAT SCHEMES REPOSITORY

37 - I-CAN ATMANIRBHAR BHARAT SCHEMES REPOSITORY

38 - I-CAN ATMANIRBHAR BHARAT SCHEMES REPOSITORY

39 - 2% Interest Subvention Scheme for MSMEs 2018

40 - Technology Centres(Tool Rooms & Technology

41 - Scheme of Fund for Regeneration of Traditional

42 - A Scheme for Promotion of Innovation, Rural

43 - Design Expertise to manufacturing MSME sector

44 - Lean Manufacturing Competitiveness Scheme

45 - Support for Entrepreneurial and Managerial

The new classiﬁcation of MSME's shall be effective from July 1, 2020.

Eligibility & Conditions:

Levels of lending under the scheme are mentioned below:

Beneﬁciary’s contribution(of project cost) : 10% | 5%

Rate of interest will be decided as per the discretion of banks

Register your organization/ SHG/ Cooperatives under the Societies Act.

Q. Whether cost of land includes in the project cost?

Q. What is the component of project cost?

Q. Whether EDP training is compulsory?

Q. Whether an entrepreneur can submit more than one project ?

Q. How the capital expenditure loan / Cash Credit Limit be utilized ?

Q. What is lock in period for Govt. Subsidy?

For further details, one can visit http://www.kvic.org.in , www.pmegp.in

Eligibility & Conditions:

Steps for Availing the Assistance:

The programe includes the following :-

Vocational and Educational Training:

Eligibility & Conditions:

Steps for availing the Assistance:

Who Can Apply

DISTRESSED ASSETS FUND - SUBORDINATE DEBT SCHEME FOR MSMEs

Scheme applicable for

• Induction of established and improved technologies.

Scheme applicable for

• The objective of CLCS component of CLC-TUS is to facilitate technology to MSEs through

Scheme applicable for

Scheme applicable for

Scheme applicable for

Scheme applicable for

Scheme applicable for

Scheme applicable for

Scheme applicable for

Scheme applicable for

Scheme applicable for

Digital MSMEDigital MSMEObjective

Scheme applicable for

Scheme applicable for

Scheme applicable for

Scheme applicable for

Scheme applicable for

Scheme applicable for

Scheme applicable for