prime ministers rozgar yojana((project) (2) (1)

8/18/2019 Prime Ministers Rozgar Yojana((Project) (2) (1)

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A PROJECT REPORT

ON

“Pardhan Mantri Rojgar Yojna ’’SUBMITTED IN PARTIAL FULFILLMENT OF THE DEGREE OF

B.COM PROFESSIONAL IN SEMESTER SIXTH OF PUNJABI UNIVERSITY

PATIALA

SUBMITTED TO: SUBMITTED BY:

Asst. Prof.Kir ! Soo" R #$% &$' r

Ro%% No. (()(

RIMT ACADEMIC COLLEGE* MANDI GOBINDGARH

AFFILIATED TO PUNJABI UNIVERSITY* PATIALA

ACADEMIC SESSION +,- /0,- )1


2/21

DECLARATIONI R #$% &$' r # 23 4o'5%3t3" t#3 5ro634t tit%3" 7Pardhan Mantri Rojgar Yojna’’$!"3r t#3 8$i" !43 of Asst. Prof. Kir ! Soo" !" Asst. Prof. Ro9: B# r"; 6 i! 5 rti % f$%fi%%'3!t of t#3 r3


3/21

ACKNO LED!EMENT

It is ': 5%3 s !t 5ri2i%383 to 3>5r3ss ': #3 rti3st 8r tit$"3 !" i!"3=t3"!3ss tot#os3 ;#o # 23 ssist3" '3 to; r"s t#3 4o'5%3tio! of ': 5ro634t r35ort. T#3 5ro634t ;o$%"!?t # 23 s33! t#3 %i8#t of " : ;it#o$t t#3 #3%5 !" 8$i" !43 of ' ! 53o5%3. I t &3 ! o55ort$!it: to 4o!23: ': "3353st 8r tit$"3 to %% t#os3i!"i2i"$ %s.

I ;o$%" %i&3 to t# !& ': 5ro634t 4oor"i! tor @ Asst. Prof. Ro9: B# r"; 6* ;#o# s s$55ort3" '3 ;it# t#3 2 %$ =%3 i!si8#ts i!to 4o'5%3tio! of t#is 5ro634t. T#3i$!for83tt =%3* 5ositi23 55ro 4# !" fr33# !" 4$'3! ' "3 t#is 5ro634t 5ossi=%

R #$% &$' r


4/21

Ind"#

S$No Parti%&'ar Pag" no 1. Introduction of PMRJ 1

2. Objectives 2-9

3. Operational guidelines 1 -12

!. PMR" loan for #uva 13-1!

$. %o& to appl# PMR" fro' 2 1( 1$

(. )onclusion 1(

*. +ibliograp,# 1*


5/21


6/21

PRIME MINISTERS RO(!AR YO)ANA *PMRY+

!ENERAL ,EATURES

Introd&%tion

Pri-" Mini.t"r/. Ro0gar Yojana ; s % $!4#3" o! ,!" O4to=3r to ssist 3"$4 t3" $!3'5%o:3" :o$t# to s3t $5 s3%f03'5%o:'3!

23!t$r3s. T#3 s4#3'3 t r83t3" for s3tti!8 $5 of !3 r%: % 3!t3r5r!" 4o!s3


7/21

O1j"%ti2"

T#3 PMRY i'3" to 5ro2i"3 3'5%o:'3!t to 'or3 t# ! 'i%%io! 53rso!s =: s3tti!8 $5 of % s 'i4ro 3!t3r5ris3s =: t#3 3"$4 t3" $!3'5%o:3:o$t# "$ri!8 t#3 % st fo$r :3 rs of VIII Fi23 Y3 r P% ! i.3. 0

)0 . T#3 S4#3'3 # s =33! 4o!ti!$i!8 i! t#3 X Fi23 Y3 r P% !r3% t3s to t#3 s3tti!8 $5 of t#3 s3%f 3'5%o:'3!t 23!t$r3s i! 34o!o'i4 %%: 2i =%3 5ro634ts +3>435t "ir34t 8ri4$%t$r % o53rS4#3'3 %so s33&s to sso4i t3 r35$t3" !o!08o23r!'3!t % or8 !is ti! i'5%3'3!t tio! of PMRY S4#3'3 3s534i %%: i! t#3 s3%34tio!* tr i!i

of 3!tr35r3!3$rs !" 5r35 r tio! of 5ro634t 5rofi%3s.Targ"t !ro&34E'igi1i'it5

6$ Ag": i1 to / :3 rs for %% 3"$4 t3" $!3'5%o:3".

ii1 to (- for %% 3"$4 t3" $!3'5%o:3" i! Nort#0E st St t3s* Hi'Pr "3s#* Utt r !4# % !" J K.

iii1 to (/ :3 rs for S4#3"$%3" C st3s S4#3"$%3" Tri=3s*s3r2i43'3!* P#:si4 %%: Dis =%3" !" o'3!.

7$ Ed&%ationa' 8&a'i9i%ation: VIII 5 ss. Pr3f3r3!43 ;i%% =3 8i23! tot#os3 ;#o # 23 =33! tr i!3" for !: tr "3 i! Go23r!'3!tr34o8!is3" 55ro23" i!stit$tio!s for "$r tio! of t %3 st si> 'o!t#s.

$ ,a-i'5 In%o-" : N3it#3r t#3 i!4o'3 of t#3 =3!3fi4i r: %o!8 ;it#t#3 s5o$s3 !or t#3 i!4o'3 of 5 r3!ts of t#3 =3!3fi4i ri3s s# %% 3>4Rs.(-*--- 0 53r !!$'.


8/21

;$ R".id"n%": P3r' !3!t r3si"3!t of t#3 r3 for t %3 st :3 rs+R3% >3" for ' rri3" '3! i! M38# % : !" for ' rri3" ;o'3! i! r3stof t#3 4o$!tr:. For ' rri3" '3! i! M38# % : !" for ' rri3" ;o'3! i!r3st of t#3 4o$!tr:* t#3 r3si"3!4: 4rit3ri 55%i3s to t#3 s5o$s3 or i!0%

4%$"i!8 "ir34t 8ri

o53r tio!s %i&3 r isi!8 Cro5* 5$r4# s3 of ' !$r3 3t4.

>$ Proj"%t Co.t: Rs. .-- % for =$si!3ss s34tor. Rs.,.--

% for ot#3r 4ti2iti3s* %o ! to =3 of 4o'5osit3 ! t$r3. If t;o or 'or33%i8i=%3 53rso!s 6oi! to83t#3r i! 5 rt!3rs#i5* 5ro634t $5to Rs. -.--

r3 4o23r3". Assist !43 s# %% =3 %i'it3" to i!"i2i"$ % "'issi=i%it:. S"'9?"'3 !ro&3. %an 1" %on.id"r"d 9or a..i.tan%" &nd"r th"S%h"-" 3ro2id"d:

E"$4 t3" U!3'5%o:3" Yo$t# s tisf: t#3 3%i8i=i%it: 4rit3ri % i" $!"3r t#3 S4#3'3 2o%$!t33r to for' SHG to s3t $5 s3%f03'5%o:3"23!t$r3s +Co''o! E4o!o'i4 A4ti2it:1.


9/21

A S3%f H3%5 Gro$5 ' : 4o!sist of /0,- 3"$4 t3" $!3'5%o:3" :o$t#.

No $553r 43i%i!8 o! %o !.

Lo ! ' : =3 5ro2i"3" s 53r i!"i2i"$ % 3%i8i=i%it: t &i!8 i!to 44r3


10/21

I'5%3'3!ti!8 83!4i3s ' : "34i"3 !343ssit: of 5r3"is=$rs % tr i!i!8for %% t#3 '3'=3rs ' 6orit: of t#3 '3'=3rs of t#3 8ro$5.

@$ S&1.id5 Margin Mon"5: i1 S$=si": ;i%% =3 %i'it3" to / oft#3 5ro634t 4ost s$=634t to 43i%i!8 of Rs. */-- 0 53r 3!tr35r3!3$r. B !;i%% =3 %%o;3" to t &3 ' r8i! 'o!3: fro' t#3 3!tr35r3!3$r 2 r:i!8 fro'/ to ).,/ of t#3 5ro634t 4ost so s to ' &3 t#3 tot % of t#3 s$=si":

!" t#3 ' r8i! 'o!3: 33'5tio! fro' 4o%% t3r % i! 4 s3 of 5 rt!3rs#i5 5ro634t ;i%%

%i'it3" to ! 'o$!t of Rs. .-- % 53r 53rso! 5 rti4i5 ti!8 i! t#3 5ro634t.


11/21

6 $ Rat" o9 int"r".t r"3a5-"nt: Nor' % r t3 of i!t3r3st s# %% =4# r83". R35 :'3!t s4#3"$%3 ' : r !83 =3t;33! to :3 rs ft3r !i!iti % 'or tori$' s ' : =3 5r3s4ri=3".

66$ R"."r2ation: Pr3f3r3!43 s#o$%" =3 8i23! to ;3 &3r s34tio!si!4%$"i!8 ;o'3!. T#3 s4#3'3 3!2is 83s ,,./ r3s3r2 tio! for SC ST

!" , for Ot#3r B 4&; r" C% ss +OBCs1. I! 4 s3 SC ST OBC4 !"i" t3s r3 !ot 2 i% =%3* St t3s UTs Go2t. ;i%% =3 4o'53t3!t 4o!si"3r ot#3r 4 t38ori3s of 4 !"i" t3s $!"3r PMRY.

67$ Training: E 4# 3!tr35r3!3$r ;#os3 %o ! is s !4tio!3" is 5ro2i"3"tr i!i!8 s 53r "3t i%s 8i23! =3%o;

i1 For i!"$str: s34tor D$r tio! /0,- ;or&i!8 " :s.

Sti53!" Rs. -- 0.

Tr i!i!8 3>53!"it$r3 Rs. -- 0. P3r =3!3fi4i r:

ii1 For s3r2i43 =$si!3ss s34tor

D$r tio! 0 - ;or&i!8 " :s.

Sti53!" Rs. /- 0 P3r =3!3fi4i r:

Tr i!i!8 3>53!"it$r3 Rs. /- 0.


12/21

6 $ I-3'"-"nting Ag"n%5: T#3 Distri4t I!"$str: C3!tr3s !"Dir34tor t3 of I!"$stri3s r3 ' i!%: r3s5o!si=%3 for i'5%3'3!t tio! oft#3 S4#3'3 %o!8 ;it# t#3 = !&s.

6;$ I-3'"-"ntation :

T#3 "istri4t =3i!8 ;3%% 3st =%is#3" 83o8r 5#i4 % $!it for 5ro8r ''3s t#3 4oor"i! t3" i'5%3'3!t tio! of t#3 5ro8r ''3 is$!"3rt &3! t t#3 "istri4t %323%. T#3 3"$4 t3" $!3'5%o:3" :o

r3 3>534t3" to 55%: to t#3 Distri4t I!"$stri3s C3!tr3 Dir34to

of I!"$stri3s O o t#3 D:. Co''issio!3r of t#3ir "istri4ts.Pr3%i'i! r: s4r33!i!8 is "o!3 =: Distri4t L323% T s& ForCo''itt33 B%o4& L323% T s& For43 Co''itt33 M !" % L323%For43 Co''itt33.

At "istri4t %323%* T s& For43 4o'5ris3s of C# ir' ! ;#o is3!ior offi43r of t#3 i'5%3'3!ti!8 83!4: 5r3f3r =%: #3 " of t#3

83!4: 3.8. G3!3r % M ! 83r of Distri4t I!"$stri3s C3!trDir34tor* i! 4 s3 of SISI* A""%. Dir34tor of I!"$stri3s i! 4 s3Dir34tor t3 of I!"$stri3s* or D:. Co''issio!3r of t#3 Distri4t.Ot#3r '3'=3rs of t#3 T s& For43 r3 r35r3s3!t ti23s of

. L3 " = !&.,. T;o %3 "i!8 B !&s.

. Distri4t E'5%o:'3!t Offi43r.(. O!3 '3'=3r 3 4# fro' DIC SISI +Ot#3r t# ! t#3 i'5%3'3!ti!8

83!4:1./. O!3 offi43r s '3'=3r s34r3t r: to =3 !o'i! t3" =: t#34# ir' ! of t#3 T s& For43.). C# ir' ! ' : 4o0o5t o!3 or 'or3 '3'=3rs fro' r35$t3" !o!08o23r!'3!t % or8 !is tio!s.

To 3!s$r3 t# t t#3 ;3%f r3 of t#3 ;o'3! is t &3! 4 r3 of* St t3 UTs # 23 =33! i!str$4t3" to i!2it3 o!3 ;o' ! sso4i t3" ;it# t#3


13/21

;3%f r3 of ;o'3! i! t#3 '33ti!8 of t#3 Distri4t T s& For43Co''itt33.B3si"3s* t#3 %3 " = !& !" t#3 %3 "i!8 = !&s* ot#3r i'5%3'3 = !&s s#o$%" =3 i!2it3" to tt3!" t#3 Distri4t T s& FoCo''itt33 '33ti!8s o! rot tio! % = sis.I'5%3'3!t tio! of t#3 s4#3'3 i!2o%23s i"3!tifi4 tio! of =3!3fi4i r:* S3%34tio! of s534ifi4 2o4 tio!s* i"3!tifi4 tio! ofs$55ort s:st3' r3


14/21

6=$ In2o'2"-"nt o9 Non !o2"rn-"nta' Organi.ation. :

St t3 UT Go23r!'3!ts ' : i!2o%23 r35$t3" No!0Go23r!'3!t %Or8 !is tio!s* C# '=3rs of Co''3r43 !" I!"$str:* Tr "3 !"I!"$str: Asso4i tio!s 3t4.* ri8#t fro' t#3 i"3!tifi4 tio!* 'oti2 tio!

!" s3%34tio! of =3!3fi4i ri3s =: !o'i! ti!8 t#3' i! t#3 T s& For43* 5r35 r tio! of 5ro634t 5rofi%3s. T#3: 4 ! %so #3 =orro;3rs i! 5ro53r ' ! 83'3!t of t#3 ss3ts* ' r&3ti!8 of t#3 5ro"$4ts* r35 :'3!t of %o ! i!st %%'3!ts 3t4. Tr i!i!8 o =3!3fi4i ri3s is !ot#3r r3 ;#3r3 t#3: 4 ! 5% : 23r: $s3f$%

St t3 UT Go23r!'3!ts s#o$%" ;or& o$t t#3 '3t#o"o%o8i3s tsso4i t3 t#3 r35$t3" NGOs i! ' !!3r* ;#i4# ;i%% =ri!8 t#s4#3'3 to t#3 "oorst35 of t#3 5ot3!ti % =3!3fi4i ri3s. I!"$strAsso4i tio!s s#o$%" %so =3 r3


15/21

OPERATIONAL !UIDELINES I''3"i t3%: o! r343i5t of t r83ts fro' t#3 C3!tr % Go23r!'3!t*St t3 UT Go23r!'3!ts ;o$%" 4o!23: "istri4t ;is3 t r83ts to 3 4#"istri4t. D$ri!8 t#3 :3 r 0 (* it ; s 5ro5os3" to 4o23r (-*-- =3!3fi4i ri3s $!"3r PMRY i! $r= ! r3 s o!%:. Si!43 (0 / ts4#3'3 # s =33! 4o!ti!$i!8 ;it# !!$ % 5% ! t r83t of ,.,- % & 53rso!s. T#3 t r83t for ,--/(0-/ # s =33! 3!# !43" to ,./- % .

. B si4 T r83t r3 "istri=$t3" =: 8i2i!8 /- ;3i8#t 83 to 5o5$% tio!" /- ;3i8#t 83 to t#3 3"$4 t3" $!3'5%o:3" :o$t# r38ist3r3" i!

t#3 E'5%o:'3!t E>4# !83s of t#3 St t3 UT. A""itio! % t r83ts

%so %%o4 t3" to St t3s Uts "353!"i!8 $5o! t#3 + 1 5 st 53rfof t#3 St t3 UT* +=1 s534i % !33" of t#3 St t3 UT* +41 Ass""r3ss to %o ! r34o23r:* +41 ot#3r iss$3 %i&3 f$r!is#i!8 of $ti%

43rtifi4 t3s 3t4.

7. T#3 T s& For43 ;o$%" i!2it3 55%i4 tio!s i!Pr".%ri1"d ,or- fro'3%i8i=%3 53rso!s t#ro$8# "23rtis3'3!ts i! %o4 % !3;s5 53rs. B =r !4#3s # 23 %so =33! $t#oris3" to r343i23 55%i4 tio!s "$!"3r t#3 s4#3'3. P$=%i4it: ;o$%" %so =3 8i23! =: "is5% : o! NotBo r"s i! t#3 B !&s !" BDO s offi43s. +Pr3s4ri=3" 55%i4 tio!is ! i!"i4 ti23 o!3 !" 4 ! =3 s$it =%: 'o"ifi3" if !33" =3* i! t#3Distri4t L323% B !&3rs Co''itt331.

. T#3 55%i4 !t is r3


16/21

(. T#3s3 55%i4 tio!s ;i%% =3 55ro23" =: t#3 Distri4t T s& Co''itt33 !" ;o$%" =3 r34o''3!"3" to t#3 4o!43r!3" = !& =r !4#3s.T#3 ! '3s of t#3 =3!3fi4i ri3s 55ro23" =: t#3 T s& For43 ;o$%" "is5% :3" o! t#3 Noti43 Bo r" i! t#3 offi43 of t#3 C# ir' ! of t#3 TFor43 i''3"i t3%: ft3r t#3 '33ti!8./. A%% t#3 4 s3s r343i23" =: t#3 Br !4# M ! 83rs ft3r r34o''3!" t

=: t#3 T s& For43 Co''itt33 ;o$%" =3 "is5os3" of 3>53"itio$s%:.

). T#3 s$443ssf$% 55%i4 !ts r3 r3


17/21


18/21

Pradhan Mantri Ro0gar Yojana Loan ,or Y&2a

T#3 Distri4t* =3i!8 ;3%%0i!stit$t3" 3!2iro!'3!t % 4o'5o!3!t fo!$'3ro$s St t3 C3!tr % 3!"ors3 '3!t % 5ro8r '* is t#3 3ss3!ti4o'5o!3!t for t#3 44o'5%is#'3!t of t#3 Pri'3 Mi!ist3r?s Ro98 r Yo6 ! . I! t#3 3!tir3 "istri4ts* Distri4t I!"$stri3s C3!tr3 +DIC1 is tr3 %i9i!8 or8 !i9 tio! 3>435t for i! t#3 '$!i4i5 % 4iti3s of Ko%&M$'= i C#3!! i ;#3r3 t#3 Dir34tor t3 of I!"$stri3s is t#3 3>34$ti!8so4i3t: =3!3 t# t#3 '3t#o". I! D3%#i* t#3 s$='issio!s r3 3st =%is#3"t#3 ;or&5% 43 of t#3 D35$t: Co''issio!3r of t#3 53rso! % r38io!s. T#3

4o$!tr:si"3 83!4i3s* i! "is4$ssio! ;it# t#3 = !&s of t#3 5 rti4$%r3 s* r3 44o$!t =%3 for t#3 for'$% tio! of s3%f03'5%o:'3!t "i 8

t#3ir 44o'5%is#'3!t !" 3> 'i!i!8 t#3 83!3r % ' ! 83'3!t of t#3Distri4t PMRY 83!4:. T#3 Yo6 ! is =3i!8 o=s3r23" 4# !!3%3" "istri4t 34#3%o! =: t#3 Distri4tPMRY 4o''issio! =3!3 t# t#3C# ir' !s#i5 of Distri4t Co%%34tor D35$t: "'i!istr tor. T#Co''itt33 is o=%i8 tor: to ss3'=%3 t %3 st o!3 ti'3 i! 'o!t# s3!"

6o$r! % "2 !43'3!t st t3'3!t i! t#3 rr !83" 5rofor' to t#3Dir34tor t3 of I!"$stri3s of t#3 tro$=%3" St t3 UT. T#3 5ro43 5$r5os3 for t#3 4o''3!43'3!t of 2irt$ %%: % tt3'5ts 4o!s3


19/21

?o to a33'5 Pradhan Mantri Yojana ,or- 7 6=

T#3 fi! % 5ro43ss of Pr "# ! M !tri Yo6 ! For' is si'5%3 !" 3 s:*

=34 $s3 !o;0 0" :s %% Pr "# ! M !tri Yo6 ! For' fi%% $5 o!%i!:o$ "34i"3 to 55%: 55%i4 tio! for' for Pr "# ! M !tri Yo6 ! ,- ) @,- * t#3! 6$st =ro;s3 t#3 offi4i % PMO ;3=sit3 of s4#3'3* t#3! s3%34s4#3'3 ;# t :o$ ; !t to 55%: !" fi%%s =ot# 53rso! % !" fi! !4i %i!for' tio!* it 4 ! "o;!%o " fro' Pr "# ! M !tri S4#3'3 +Yo6 ! 1offi4i % ;3=sit3. T#3 55%i4 tio! for' st t$s '$st 4#34&. # t :o$s#o$%" 4#34& =3for3 55%:i!8 for Pr "# ! M !tri Yo6 ! ,- ) @ ,-

M !: t#i!8s s#o$%" &!o; =3for3 ' &i!8 "34isio!. E23r: fi! % "34isio!s#o$%" =3 ri8#t st35 so r3 % f$%% i!for' tio! ;# t is '3!tio!3" i!Pr "# ! M !tri Yo6 ! !otifi4 tio! o! offi4i % ;3=sit3. R3 " 4 r3f$%

=o$t 3%i8i=i%it:* %o4 tio!* " t3 !" ti'3 of s4#3'3 !"


20/21

N$'=3r of "323%o5'3!t 5ro8r ''3s # 23 =33! for'$% t3" !"i'5%3'3!t3" i! t#3 4o$!tr:* ft3r I!"353!"3!43* for 3r "i4 ti!8 5o23rt:

!" to $5%ift t#3 so4io 34o!o'i4 st t$s of t#3 53o5%3 t#ro$8# t83!3r tio! of 3'5%o:'3!t o55ort$!iti3s. T#o$8# so'3 of s$4# 5ro8r ''3s 4o$%" 5ro"$43 t#3 3>534t3" r3s$%t to 43rt i! 3>t3!t* ot#;3r3 f r =3:o!" t#3 r3 4#. For =3tt3r r3s$%t* s534i % 5ro8r ''3s t#3 83!3r tio! of 3'5%o:'3!t o55ort$!iti3s s#o$%" =3 for'$% t3"o! t#3 = sis of si93 !" ' 8!it$"3 of $!3'5%o:'3!t i! t#3 $r= ! !"r$r % r3 s !" for t#3 3"$4 t3"$!3'5%o:3" !" ot#3r $!3'5%o:3Pri'3 Mi!ist3r s Ro98 r Yo6 ! is !3; 5ro8r ''3 % $!4#3" i! for t#3 83!3r tio! of 3'5%o:'3!t o55ort$!iti3s 'o!8 t#3 3"$4 t3"$!3'5%o:3" i! $r= ! !" r$r % r3 s.

BIBLIO!RAP?Y


21/21

.A8 r; %* R.C.* F$!" '3!t %s of E!tr35r3!3$rs#i5* L &s#'i N r i!A8 r; %* A8r * ,--/.

,.A&o#o$ri MMP.* Tr i!i!8 for 3!tr35r3!3$rs#i5 !" s3%f 3'5%o:'3!t* N3; D3%#i* Mitt % P$=%i4 tio!s* .

.A!s#$6 Ti; ri !" S !6 : Ti; ri* o'3! E!tr35r3!3$rs#i5 !"E4o!o'i4 D323%o5'3!t* S r$5 !" So!s P$=%is#3rs* N3; D3%#i* ,- -* 55. (/0( .

(.As# P ti% !" A!$r "# M t#$* o'3! !" E!tr35r3!3$rs#i5 Iss$3s!" C# %%3!83s* K %5 9 P$=%i4 tio!s* N3; D3%#i @ - -/,* ,--

/.B =it A8 r; %* I!"i ! o'3! A Gi !t Po;3r* ABD P$=%i4 tio!s*J i5$r* I!"i * ,-- .

).B tr * G.S.* D323%o5'3!t of E!tr35r3!3$rs#i5* D335 D335P$=%i4 tio!s P2t. Lt".* N3; D3%#i* ,--,.

.D3s#5 !"3* M !o# r* U.* E!tr35r3!3$rs#i5 D323%o5'3!t of S' %%S4 %3 I!"$stri3s* D335 D335 P$=%i4 tio!s* N3; D3%#i* (.

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prime ministers rozgar yojana((project) (2) (1)

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