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Schemes
CGTSI: Credit Guarantee Fund Trust for Small Industries
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Government of India and SIDBI set up a Credit Guarantee
Fund Trust for Small Industries (CGTSI).
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The scheme is confined to guaranteeing of loans extended
by all scheduled/commercial banks and selected regional
rural banks.
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Existing as well as new SSI units including IT and
Software industry, to which credit facility upto Rs.25
lakhs (term loan as well as working capital) has been
provided by eligible institutions without any collateral
security including 3rd party guarantee are eligible for
this scheme.
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Any collateral free credit facility (both term loan as
well as working capital) extended by eligible
institutions, on or after 1st June, 2000 to new as well as
existing manufacturing SSI units including Information
Technology and software industry particularly in the tiny
sector with a maximum credit cap of Rs.25 lakhs per
borrowing unit will be extended guarantee cover with a
maximum guarantee cap on 75% loan amount.
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The
lender should cover the eligible credit facilities within
90 days from the date of sanction of credit facility
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Guarantee will commence from the date of payment of
guarantee fee and shall run through the agreed tenure of
the term credit in case of term loans/composite loans and
a period of 5 years where working capital facilities alone
are extended to borrowers, or such periods as may be
specified by the CGTSI in this behalf.
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Credit linked capital subsidy scheme for technology
upgradation of SSIs:
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Leather and leather products including footwear and garments
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Food
processing
- Information technology (hardware)
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Drugs and pharmaceuticals
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Electronic industry particularly relating to Design and measuring
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Glass and ceramic items including tiles
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Dyes and intermediates
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Toys
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Tyres
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Hand Tools
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Bicycle parts and
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Foundries- ferrous and cast iron
Eligibility:
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Existing
SSI units registered with the Commissionerate of Industries,
which upgrade with the state of the art technology with or
without expansion.
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New SSI units which are registered with Commissionerate of Industries, which set up their facilities only with the appropriate
eligible and proven technology duly approved by the Technical
Advisory Committee.
Duration: Scheme will be in operation from
1.10.2000 to 30.9.2005
For further information
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PMRY:
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Age |
18-35
years. 10 yrs relaxation for SC/ STs, ex-servicemen,
physically handicapped, women and persons in NE region |
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Educational Qualification |
VIIIth
passed. Preference will be given to those trained in
Govt. recognised institute for atleast 6 months |
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Family
income |
Not to
exceed Rs.40,000/- p.a. |
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Other
criteria |
Should
not be a defaulter to any Nationalised Bank, FI, Co-op
Bank, etc
Should be a permanent
resident of the area for at least 3 years
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Project
cost |
Not to
exceed Rs. 1 lakh for business sector, and Rs.2 lakhs
for others. In case of joint partnership, project upto
Rs.10 lakhs covered. Assistance is limited to individual
admissibility. |
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Subsidy
and margin money |
Subsidy
limited to 15% of project cost subject to max of
Rs.7500/- per entrepreneur. Banks allowed to take margin
money varying from 5% to 16.25% of project cost to make
total subsidy and margin money equal to 20% |
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Collateral Guarantee |
No
collateral guarantee for loan upto Rs.1 lakh, per
entrepreneur, even in case of partnership |
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ISO-9000 Certification Reimbursement
The Govt of India has an Incentive
Scheme of ISO-9000 Quality System to encourage technological
upgradation and quality improvement in the Small Scale Sector.
The Scheme provides provides reimbursement of 75% of the
amount spent for acquiring ISO-9000 Certification (or its
equivalent) upto Rs.75,000/- to each unit. The Scheme
introduced in 1994 has been extended upto the end of 10th Five
Year Plan i.e.31st March, 2007.
The Scheme Contemplates norms of
reimbursement as under:
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a)
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Payments made to Certification
Agency (excluding travel & hotel expenses & Surveillance
charges
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=
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Full Amount
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b)
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Payments made towards (i)
Consultancy (ii) Training and (iii) Calibration
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=
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Upto Rs.30,000/-
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(Rupees Thirty Thousand only)
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The entitlement for reimbursement = 75% ((a) full amount + (b) upto Rs.30,000/-) upto
Rs.75,000/-
Application Form
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Market Development Assistance for SSI Exporters:
The office of DC
(SSI), New Delhi has a scheme which offers funding for
participation in International Fairs, study tours abroad,
trade delegations, publicity, etc. Direct assistance
under MDA for small scale units is given for individual
sales-cum-study tours, participation in fairs/exhibitions and
publicity. SIDBI operates a scheme of direct assistance
for financing activities relating to marketing of SSI
products.
Permissible
funding limits:
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90% of cost of
return ticket subject to an upper ceiling of Rs.60,000/-.
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25% of the cost
of production of publicity material limited to Rs.15,000/- in
a financial year.
The application
for assistance must reach O/o DC(SSI), New Delhi atleast one
month in advance.
For further information and application
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Bar
Coding:
All the categories of SSI units who have adopted Bar-code
on or after
1st January, 2003 are now eligible to get the financial
assistance of Rs. 15,000/- (75% of the registration fee of Rs.
20,000/- paid to EAN-India). It is also further clarified that
those units who have adopted bar-code before
01-01-2003 will continue to be reimbursed the old registration
fee as was applicable to SSI/Tiny units earlier.
Revised Guidelines for financial
assistance to Small Scale Industries under SSI-MDA Scheme for
bar-coding registration (w.e.f. 1st January, 2003).
Application Form
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Cluster Development Programme:
Keeping in view the
broad-based participative Cluster Development Initiatives of
the Ministry of SSI with a holistic approach, the UPTECH
Scheme has now been renamed as "Small Industry Cluster
Development Programme". The Ministry has decided to
start a large number of Cluster Development initiatives across
the country under the UNIDO methodology for Cluster
Development. UNIDO Focal Point Cluster Development
Programme, New Delhi is actively assisting the Ministry in
respect of designing the structure and contents of the
programme.
As many as 21 Clusters
have been selected in July, 2003 for Cluster development with
a holistic approach by the Office of the DC(SSI).
Earlier discussions were held with State Governments, local
Industries Associations, Financial Institutions and other
organizations involved in promotion of SSIs while selecting
the clusters and the following considerations have been kept
in view:-
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Distinct technology and
product
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Status of basic
infrastructure
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Presence of capable
supporting Institutions
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Potential for Growth
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Local leadership and
support within the Clusters
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Contribution to
employment and exports etc.
Considerations of
coverage of a wide-range of products as well as different
regions of the country (especially the industrially or
infrastructurally backwards regions) have been given adequate
weightage. It is now proposed to select atleast 20 more
such Clusters in immediate future for development under the
same Programme.
Officers of SIDO with
suitable personality traits have been identified to act as
Cluster Development Agents and they have been involved in the
process right from the stage of selection of the Clusters.
The emphasis now in SIDO
is on in-house capacity building by raising a committed cadre
of officers well versed with the concept, methodology and
practices of Cluster Development. For this purpose, a
Training-cum-Resource Cell for Cluster Development is being
created in the premier training Institute of the Ministry,
i.e. National Institute for Small Industry Extension Training
(NISIET) at Hyderabad. Besides running cluster
development programmes on its own, the Ministry would also
welcome proposals from capable partner Institutions like State
Governments, EDIs and institutions engaged in development of
SSI) for support in design, implementation and funding of such
programmes.
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