untitled-1 [] april 2016.pdf · title: untitled-1 author: sanjay created date: 3/31/2016 10:57:37...

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lwpukvksa ds lgh vkSj fo'oluh; izdk'ku esa ;FkklaHko lko/kuh cjrh xbZ gSA fiQj Hkh fdlh Hkwy] xyrh] =kqfV ;k foyksiu ds fy, y?kq m|ksx lekpkj if=kdk dk dksbZ mÙkjnkf;Ro ugha gSA y?kq m|ksx lekpkj tuZy esa izdkf'kr lekpkjksa] rLohjksa rFkk n`f"Vdks.kksa ls lw{e] y?kq ,oa eè;e m|e ea=kky; rFkk ljdkj dh lgefr gksuk vko';d ugha gSA

Instructions The material for publication should be sent, in triplicate, neatly typed in double space. The reports on functions or events should be sent immediately after its conclusion. Articles/Reports should be accompanied by photographs with captions pasted upon reverse. The photographs should be placed in between the thick paper, gem clipped and attached to the forwarding letter. Photographs should be focussed more on the events or products than personalities.All efforts have been made to ensure that the information published is correct and reliable. However, the Laghu Udyog Samachar journal holds no responsibility for any inadvertent error, commission or omission. Opinions, photographs and views published in Laghu Udyog Samachar journal do not necessarily reflect the views of Ministry of Micro, Small & Medium Enterprises or Government.

Editorial Office : Advertising & Publicity Division, Office of the Development Commissioner (MSME),Nirman Bhavan, New Delhi-110108, Phone & Fax : 011-23062219

Published by : Development Commissioner (MSME), Ministry of Micro, Small & Medium Enterprises, Government of India, Nirman Bhavan, New Delhi-110108

www.dcmsme.gov.in

Editorial Advisory BoardChairman : Surendra Nath Tripathi

Additional Secretary & Development Commissioner (MSME)

Vice Chairman : Kuntal SensarmaAdditional Development Commissioner

Members Arun Kumar

Additional Development CommissionerS. R. Samuel

Joint Development CommissionerSanjay Bisariya

Joint Development CommissionerHarish Anand

Director (Publicity) R. C. Tully

Director (Administration) Dr. P.G.S. RaoJoint Director

Harendra Pratap Deputy Director (Publicity)

y?kq m|ksx lekpkj

LAGHU UDYOGSAMACHAR

lw{e] y?kq ,oa eè;e m|eksa dk tuZy

A Monthly Journal for Micro, Small & Medium Enterprises

fodkl vk;qDr (,e,l,ebZ)lw{e] y?kq ,oa eè;e m|e ea=kky;

Hkkjr ljdkj dk izdk'ku

A Publication of Development Commissioner (MSME)Ministry of Micro, Small & Medium Enterprises

Government of India

o"kZ 41 vad 9 Volume 41 Issue 9ewY; % 20 :i;s Price : ` 20vizSy] 2016 April, 2016

Editorial TeamHarish Anand

Chief Editor

Harendra Pratap Senior Editor

fo"k;&lwph@cONTENTS

lwpuk ekfld if=kdk ^y?kq m|ksx lekpkj* ds lkekU; vad dh ,d izfr dk ewY; 20 #i, vkSj fo'ks"kkad dk ewY; 25 #i, gS] tcfd okf"kZd ewY; 250 #i, gSA okf"kZd 'kqYd cSad MªkÝV ds :i esa lh/s izdk'ku fu;a=kd] Hkkjr ljdkj] izdk'ku foHkkx] flfoy ykbal] fnYyh&110054 dks Hkstk tk ldrk gSA if=kdk udn Hkqxrku ij izdk'ku fu;a=kd dk;kZy; ds fofHkUu fcØh dsanzksa ls Hkh [kjhnh tk ldrh gSA ikBdksa&ys[kdksa ls vuqjks/ gS fd bl ekfld dks liQy cukus esa lfØ; :i ls Hkkxhnkjh fuHkk;sa vkSj bls yf{kr lewg ds fy, vf/d ls vf/d mi;ksxh cukus ds fy, vius cgqewY; lq>ko bl irs ij Hkstsa %&

y?kq m|ksx lekpkjfodkl vk;qDr (,e,l,ebZ) dk;kZy;

Hkwry (izos'k }kj 4 o 5 ds chp)fuekZ.k Hkou] ubZ fnYyh& 110108

nwjHkk"k la[;k % 011&23062219 iQSDl % 011&23062219

osclkbV % www.dcmsme.gov.inUdyami Helpline : 1800-180-MSME or 1800-180-6763

izdk'kd dh vksj ls 3

fo'ks"k laikndh; 4

laikndh; 5

^u;s ctV ls ns'k esa m|e'khyrk dh ubZ Økafr vk;sxh* ,llh&,lVh dh ubZ ih<+h Hkh izksisQ'kuy m|eh cu losQxh% dyjkt feJ 6

,e,l,ebZ dh dsaæh; ;kstukvksa dks ykxw djus esa jkT; ljdkjksa ls lg;ksx dh vis{kk% fxfjjkt flag 9

ctV ls ,e,l,ebZ dks feysxh ubZ rkdr 12

fLdy MsoyiesaV ds tfj;s gh laHko gS Hkkjr dk lok±xh.k fodkl 16

38 ih,l;w us ,e,l,ebZ ls 20 iQhlnh lkoZtfud [kjhn dk y{; çkI‍r fd;k 21

iQksVks iQhpj 22Photo Feature 23Key Features of Budget 2016-2017 affecting MSMEs 24Vibrant Eco-System for MSME emerging; Budget injects fresh vigour; Obsolete Machinery replacement & Skilled hands required 28Trade Receivables Discounting System (TReDS) 35Budget : SC and ST Cell established 36Framework for Revival and Rehabilitation of Micro, Small and Medium Enterprises (MSMEs) 37Ready Made Garment Cluster 45MSMEs promotion reviewed in Chandigarh 46MSMEs promotion reviewed in Dimapur, Nagaland 47Good Governance and Employment Generation to Focus in MSME 47Participation of Ministry of MSME in ‘Festival of Innovation (FOIN) 2016’ 48Rural Industries under Make in India 48

izdk'kd dh vksj ls

ctV ij dsfUnzr vad

;g vad ctV ij osQfUær gSA ctV ij fofoèk ys•ksa osQ chp bl ckj ekuuh; osQUæh; ,e,l,ebZ ea=kh vkSj ekuuh; osQUæh; jkT; ea=kh (,e,l,ebZ) osQ egRoiw.kZ

lk{kkRdkj bl vad osQ fo'ks"k vkd"kZ.k gSaA vU; LrEHk ;Fkkor gSaA

vçSy] 2016 if=kdk osQ eq[; laiknd vkSj funs'kd (çpkj) gjh'k vkuan osQ yEcs ljdkjh lsok dky dk vafre ekg gSA mUgksaus if=kdk] fodkl vk;qDr (,e,l,ebZ) osQ dk;Zky; vkSj ,e,l,ebZ ea=kky; osQ fy, çpkj osQ {ks=k esa vFkd lsok dh gSA mudh lsokfuo`fÙk ij ea=kky;] dk;kZy; vkSj y?kq m|ksx lekpkj* if=kdk dh vksj ls eSa muosQ lq•n thou osQ fy, 'kqHkdkeuk,a nsrk gw¡A

ubZ fnYyh & lqjsUnz ukFk f=kikBh23 ekpZ] 2016 vij lfpo ,oa fodkl vk;qDr

fo'ks"k laikndh;

fujarjrk gh izxfr gS---

nks n'kdksa ls vf/d vofèk rd ^y?kq m|ksx lekpkj* if=kdk dk laiknu djrs gq, esjk ;ksxnku ctV vad ij vkdj fleV x;k gS] ctV ;kfu iwjk ys[kk&tks[kk ---

--- blls iwoZ LokLF; ,oa ifjokj dY;k.k ea=kky; dh if=kdk ^gekjk ?kj* esa Ng o"kksaZ ls vf/d le; rd laiknu] laLÑfr ea=kky; dh if=kdk (lhlhvkjVh U;wt ysVj) vkSj eSdfeyu çdk'ku laLFkku dh if=kdk esa ikap o"kksaZ rd laiknu ! vkSj iwoZ esa] lekpkj&i=kksa esa laiknu---

bysDVªkWfud ehfM;k ds nckoh ços'k ds ckotwn fiNys pkj n'kdksa esa fyf[kr 'kCnksa ds lalkj (fçaV ehfM;k) us nLrkosth igpku ds lkFk&lkFk viuh mifLFkfr dks vkSj Hkh vf/d xgjkbZ ls ntZ fd;k gS A bldk thoar çek.k gS Hkkjr ljdkj dh if=kdk ^y?kq m|ksx lekpkj* dk vxLr] 1976 ls yxkrkj çdk'ku] ftuds nks n'kd esjs fgLls ds Hkh çLFkku fcanq gSa ---

^y?kq m|ksx lekpkj* us fiNys pkj n'kdksa ls y?kq m|ksx {ks=k esa viuh fujarjrk dh çxfr ls yf{kr ikBd oxZ dks v|ru lwpukvksa ds lkFk&lkFk viuh ,d çkekf.kd igpku cuk;h gS A bldk mnh;eku vkSj LFkkfir m|fe;ksa ds lkFk&lkFk fo|kfFkZ;ksa @ 'kks/kfFkZ;ksa us u dsoy laKku fy;k] cfYd blls os ykHkkfUor Hkh gq, gSa A

dqy feykdj ^y?kq m|ksx lekpkj* if=kdk y?kq m|ksx {ks=k ds bfrgkl vkSj orZeku dk lk{kh gS ftlls bl {ks=k dh fodkl xkFkk ds reke iM+ko&lw=kksa dks flyflysokj :i eas ljy 'kCnksa esa le>k tk ldrk gS A

fodkl esa tgka lwpuk] f'k{kk vkSj tulapkj dk ,d egRoiw.kZ LFkku gS] ogha uo ehfM;k us Hkh viuh tM+ksa dks foLrkfjr dj fy;k gS A bl usVodZ esa gekjh ubZ igy esa] ^y?kq m|ksx lekpkj* if=kdk ds fiNys vad fMftVy :i esa gekjh osclkbV ij ekStwn gSa vkSj lkFk gh bZ&cqd ds :i esa Hkh_ vkSj] gekjs vU; çdk'ku Hkh A vkxs pydj if=kdk vU; Hkk"kkvksa esa fMftVy :i esa miyCèk gksxh] ,slh vk'kk gS A

çLrqr vad ctV ij dsafær gS vkSj gekjs ys[kdh; ifjokj us ctV ds reke i{kksa dks ,dhÑr lksp ds lkFk vius&vius vankt esa ljyhÑr :i esa ikBd fgrk; cuk;k gS A

vc rd ds lkFk ds fy, mu lHkh ljdkjh&xSjljdkjh laxBuksa ds izR;sd lnL; ds izfr eSa vkHkkj izdV djrk gw¡ ftUgksaus yEcs tulapkjh; lsokdky esa esjk mRlkg c<+k;kA

var dk fupksM+ fujarjrk gS] vkSj ;gh çxfr gS---

ubZ fnYyh (gjh'k vkuan)23 ekpZ] 2016 eq[; laiknd

laikndh;

ctV% fofoèk ^bafM;k* osQ ljksdkj

Hkkjr esa ^fofoèkrk esa ,drk* osQ <sjksa mnkgj.k gSaA blesa vOoy gS gekjh laLÑfr] tks Hkkjrh; yksdra=k dks laLdkjoku cukrh gSA ;gh laLdkj fo'o osQ vU; yksdra=k esa Hkkjr dks vfèkd ls vfèkd tkuus dh ftKklk iSnk djrk gSA

vkfFkZd n`f‘ ls ^fofoèkrk esa ,drk* dk uk;kc uewuk gS µ Hkkjrh; ctV] tks u fliQZ xzkeh.k vkSj 'kgjh {ks=kksa osQ fodkl dh •kbZ dks ikV ldrk gS cfYd xfy;ksa vkSj ^gkbZ os* dks lkFk&lkFk feydj laiw.kZ Hkkjr dh rjDdh osQ fy, liQyrk dh gj NksVh&cM+h eaftyksa rd igqapus dk lqxe jkLrk fn•krk gSA

u;s foÙk o"kZ (2016&2017) dk u;k ctV oqQN ,slk gh gSA bldh fofoèkrk nsf•, µ blesa fLdy bafM;k] fMftVy bafM;k] LVkVZ&vi bafM;k] esd bu bafM;k] LVSaM vi bafM;k tSls fofoèk egRokdka{kh vfHk;ku varr% ,drk osQ lw=k esa caèkdj ^VªkaliQkseZ bafM;k* dk liuk lkdkj dj ldrs gSaA

bu vfHk;kuksa ;k egkvfHk;kuksa osQ fy, fd, x, ctVh; çkoèkku ns'k esa u fliQZ vkfFkZd fodkl dks gh lqn`<+ djsaxs cfYd vyx&vyx jkT;ksa vkSj vyx&vyx is'ks ls tqM+s yksxksa esa u;s vkRelfo'okl dk Hkko txk,axs rkfd Hkkjr vkRefuHkZjrk osQ y{; dks rsth ls gj okafNr {ks=k esa gkfly dj losQA

vyx&vyx uke okys ;s ^bafM;k* fofHkUu rjhosQ ls Hkkjr esa m|e'khyrk dh Økafr ykus dh {kerk j•rs gSa] tks fodkl osQ u, lksiku rks jp gh ldrs gSa] lkFk gh vius gh jkT; ;k vius gh ftys ;k vius gh vapy esa jkstxkj osQ u;s&u;s volj iSnk djus dk liuk lkdkj dj ldrs gSa] ftlls varr% fo'kky ;qokoxZ viuh csjkstxkjh nwj dj ldrs gSaA

okLro esa u;k ctV fofoèk ^bafM;k* osQ ukuk izdkj osQ ljksdkjksa ls izR;{k :i ls tqM+k gS] tks vius&vki esa Hkkjrh; vFkZ txr esa uoizorZu dk lans'k ns jgk gSA

ubZ fnYyh (gjsUnz izrki)23 ekpZ] 2016 ofj"B laiknd

fo'ks"k lk{kkRdkj

6 y?kq m|ksx lekpkj

çLrqr ctV esa ,e,l,ebZ ds fy, /ujkf'k dk çko/ku j[krs le; ljdkj us fdu fo"k;ksa dk fo'ks"k è;ku j[kk gS \

dyjkt feJ % ,e,l,ebZ dk ctV rS;kj djrs le; dsUnz ljdkj dh çkFkfedrk Fkh fd blls vf/dkf/d jkstxkj dk l`tu gks] m|eksa dh xq.koÙkk c<+kbZ tk, vkSj ns'k Hkj esa m|e'khyrk dh ubZ Økafr iSnk gks A ,slh lksp ekuuh; ç/kuea=kh dh gS A muds usr`Ro esa blesa NksVs&cM+s y{; cuk dj ge vkxs c<+ jgs gSaA blh ls ^LVkVZ&vi bafM;k*] ^esd&bu&bafM;k* vkSj ^LVSaM&vi bafM;k* ds vfHk;kuksa dk liuk Hkh lkdkj gksxk A

,llh&,lVh dh ubZ ih<+h Hkh çksiQs'kuy m|eh cu ldsxh% dyjkt feJ

^u;s ctV ls ns'k esa m|e'khyrk dh ubZ Økafr vk;sxh*

,e,l,ebZ ds ctV çko/ku ls vki larq"V gSa \

dyjkt feJ % nsf[k,] ctV çko/ku esa yxHkx 15% dh o`f¼ gqbZ gS ,e,l,ebZ esa] ftlls ge iwjh rjg larq"V gSa A vU; ea=kky;ksa dh rqyuk esa ;g o`f¼ egRoiw.kZ gS A blls ge u;s foÙkh; o"kZ esa vius y{;ksa dks gkfly dj ldsaxs] ,slh eq>s iwjh mEehn gS A

vuqlwfpr tkfr vkSj vuqlwfpr tutkfr ds yksxksa dks u;s ctV esa ,e,l,ebZ ls D;k çksRlkgu feysxk \

dyjkt feJ% ekuuh; ç/kuea=kh us vuqlwfpr tkfr;ksa vkSj vuqlwfpr tutkfr;ksa

ds chp esa m|ferk dks c<+kok nsus dk vkg~oku fd;k gS A gekjk ekuuk

& gjh'k vkuan vkSj gjsUæ çrki

vkB ekpZ] 2016 dks tc iwjk fo'o varjk"Vªh; efgyk fnol euk jgk Fkk vkSj Hkkjr lesr vusd ns'k ukjh&'kfDr dk c[kku dj jgs Fks] Bhd mlh fnu dsUæh; lw{e] y?kq vkSj eè;e m|e ea=kh dyjkt feJ us vius ea=kky; esa laoknnkrk lEesyu vk;ksftr dj m|e'khyrk esa fL=k;ksa ds ;ksxnku dk Lej.k djk;k A mlh fnu ^y?kq m|ksx lekpkj* us muls y?kq m|ksx ls tqM+s dqNsd eqíksa vkSj vke ctV esa ,e,l,ebZ dks feys egRo ij laf{kIr ckrphr dh] ftuds dqNsd va'k ;gk¡ çLrqr gSa%&

fo'ks"k lk{kkRdkj

7vizSy] 2016

gS fd bu tkfr;ksa ds yksx Hkh jkstxkj çnkrk cusa A dsaæh; eaf=ke.My us vuqlwfpr tkfr vkSj vuqlwfpr tutkfr rFkk efgykvksa esa m|ferk ds lao¼Zu ds fy, m|ferk gc dk vuqeksnu fd;k gS A blds fy, vyx ls 500 djksM+ :i, vkcafVr fd, x, gSaA

njvly ^LVS.M vi bafM;k* dh igy dh ?kks"k.kk izèkkuea=kh us 15 vxLr 2015 dks jk"Vª dks fd;s x;s vius lacksèku esa dh FkhA ^LVS.M vi bafM;k ;kstuk* dk dk;kZUo;u foÙkh; lsok foHkkx] foÙk ea=kky; }kjk fd;k tk jgk gSA bl ;kstuk dk mís'; vuqlwfpr tkfr@vuqlwfpr tu tkfr osQ leqnk;ksa vkSj efgykvksa esa m|ferk dks c<+kok nsuk gSA bl ;kstuk osQ varxZr gj Js.kh esa vkSlru ,d m|eh osQ vuqlkj ns'kHkj esa fofHkUu cSadksa dh ekStwn 1-25 djksM+ cSad 'kk[kkvksa }kjk bl rjg dh de ls de nks ifj;kstukvksa osQ fy, lgk;rk izxnku djus dk izkoèkku fd;k x;k gSA bl ;kstuk osQ ekè;e ls djhc 2-5 yk[k dtZnkjksa dks ykHk igq¡psxkA bl ;kstuk dk lexz nf"Vdks.k vkcknh osQ fupys rcosQ esa 'kkfey

vuqlwfpr tkfr@tutkfr leqnk;ksa osQ yksxksa rFkk efgyk dtZnkjksa dks LFkkfir fd;s tkus okys xzhu iQhYM (u;s m|eksa osQ fy, cSadksa osQ ekè;e ls 7 o"kZ osQ Hkhrj iquHkqZxrku ;ksX; 10 yk[k #i, ls 100 yk[k #i, rd dk Í.k eqgS;k djuk gSA bl ;kstuk esa vkoafVr fd;s tkus okys Í.kksa dks ozsQfMV xkjaVh Ldhe osQ varxZr Í.k xkjaVh dh lqj{kk jgsxhA

ea=kh th] vktdy ç/kuea=kh eqæk ;kstuk dkiQh ppkZ esa gS A bls ysdj mRlqdrk vkSj vk'kadk nksuksa gSa A Ñi;k bl ij çdk'k Mkysa rkfd vke vkneh Hkh blds ykHk i{k dks le> lds A

dyjkt feJ % fupys Lrjksa rd m|fe;ksa dks ykHk igq¡pkus ds mís'; ls ç/kuea=kh eqæk ;kstuk dh igy dh xbZ gS A bl o"kZ iQjojh ds vkjaHk esa <kbZ djksM+ ls vf/d ysunkjksa dks cSad vkSj ,uch,iQlh&,e,iQvkbZ ds }kjk ,d yk[k djksM+ :i;s dh /ujkf'k LohÑr dh xbZ gSA tgka rd u;s ctV dk ç'u gS] blesa 2016&2017 esa ç/kuea=kh eqæk ;kstuk (ih,e,eokbZ) ds varxZr

fo'ks"k lk{kkRdkj

8 y?kq m|ksx lekpkj

LohÑr ½.k ds y{; dks 1]80]000 (,d yk[k vLlh gtkj) djksM+ :i, rd c<+kus dk çLrko gS] tks m|e'khyrk dks ubZ ÅtkZ çnku djsxk] ,slh gesa vk'kk gS A

vkids dk;Zdky esa ,e,l,ebZ dh os dkSu lh ;kstuk,a gSa] ftudh çxfr ls vki larq"V gSa vkSj ftuls iwjs ns'k esa m|e'khyrk dh ubZ iVdFkk fy[kh tk ldsxh \

dyjkt feJ %& gekjs ,e,l,ebZ ea=kky; dh dqy 44 ;kstuk,a gSa] ftuesa ls lHkh egRoiw.kZ gSa A ;s lHkh ;kstuk,a vkSj dk;ZØe ns'k esa m|e'khyrk dk u;k ekgkSy rks cuk gh jgs gSa] cM+h la[;k esa jkstxkj dk l`tu Hkh dj jgs gSa A ysfdu ge brus ls larq"V ugha gS A ge m|fe;ksa dks vius m|e dh xq.koÙkk c<+kus ds fy, çksRlkfgr dj jgs gSa rkfd os oSf'od Lrj ij Hkh çfrLi¼hZ cu ldsa A lkFk gh ge muds fy, cktkj Hkh ryk'k jgs gSa A ;gh ugha]

gekjs ea=kky; ds varxZr ,u,lvkbZlh gS] tks m|eksa ds fy, dPps eky tqVkus esa Hkh lg;ksx dj jgk gS A gekjs dW;j cksMZ us ns'k& fons'k esa dW;j vkSj dsohvkbZlh us viuh [kknh dks u;k jax&:i nsdj vk/qfudrk dh gksM+ esa mUgsa yk [kM+k fd;k gS A fodkl vk;qDr (,e,l,ebZ) dk dk;kZy; ns'k Hkj esa ,e,l,ebZ dk cgqeq[kh fodkl dj jgk gS A ;kstuk pkgs ih,ebZthih gks ;k ,eMh, vFkok ØsfMV fyaDM dSfiVy lfClMh Ldhe ;k Vwy :e&lcus yxkrkj m|e'khyrk vkSj jkstxkj&l`tu dks c<+kok fn;k gS vkSj ekuuh; ç/kuea=kh ds dq'ky usr`Ro ,oa ekxZn'kZu us blesa mRçsjd dk dke fd;k gS] blhfy, fodkl dh xfr vkSj vkReufHkZj cuus dh çxfr rst gks xbZ gS A

vkt vkB ekpZ gS vkSj vkt ds fnu iwjk fo'o varjkZ"Vªh; efgyk fnol eukrk gS A vk/h vkcknh ds fy, ,e,l,ebZ dh dsaæh; ;kstukvksa esa fo'ks"k D;k gS\

dyjkt feJ %& oSls rks lHkh ;kstukvksa esa efgykvksa] nfyrksa] fiNM+ksa ij fo'ks"k è;ku fn;k tkrk gS] pkgs çf'k{k.k dk dk;ZØe gks ;k ns'k&fons'k esa yxus okyh çn'kZfu;ksa dks ysdj dksbZ dk;ZØe A gka] efgykvksa ds fy, fo'ks"k :i ls rS;kj gekjs ;gka ,d Ldhe gS] ftldk uke gS VªsM (TREAD) ;kfu O;kikj laca/h m|ferk lgk;rk ,oa fodkl ;kstuk A blesa yxHkx 5000 efgykvksa }kjk lw{e ,oa y?kq m|e (,e,lbZ) dks çkjaHk djus ds fy, rhu djksM+ :i, dk vuqnku nsus dk çko/ku gSA gkykafd çR;{k&vçR;{k Lrj ij efgyk;sa gj ;kstuk] gj dk;ZØe ls tqM+h gSa A

cl fiQygky bruk gh A vki nksuksa dks cgqr&cgqr /U;okn A n

& lk{kkRdkjdÙkkZ gjh'k vkuan vkSj gjsUnz izrki f}Hkk"kh y?kq m|ksx lekpkj if=kdk ds Øe'k%

eq[; lEiknd vkSj ofj"B lEiknd gSaANk;k % v

fHk"ksd i

qjh

fo'ks"k lk{kkRdkj

9vizSy] 2016

ns'k esa ,e,l,ebZ ds fodkl dks ysdj fofHkUu jkT;ksa ls dSlk lg;ksx fey jgk gS \

fxfjjkt flag %& ge ns'k Hkj esa baD;wcs'ku lsaVj [kksyuk pkgrs gSa A mnkgj.k ds fy, fcgkj ljdkj dks geus jkT; esa ,e,l,ebZ ds fodkl ds fy, ikap çLrko Hksts gSa] ysfdu jkT; ljdkj ds ikl bu çLrkoksa ij fopkj djus dk le; gh ugha gSA gekjh vksj ls ckj&ckj vkxzg fd;k tk jgk gS A

os dkSu&dkSu ls çLrko gSa ftu ij vkius fcgkj ljdkj ls fopkj djus dk vuqjks/ fd;k gS \

fxfjjkt flag %& nsf[k;s] fliQZ fcgkj gh ugha] iwjs ns'k esa ekuuh; ç/kuea=kh ds ekxZn'kZu esa ,e,l,ebZ ds ekè;e ls ge ^lcdk lkFk] lcdk fodkl* pkgrs gSa] ysfdu blesa vusd jkT; tgka fnypLih fn[kk jgs gSa] ogha fcgkj tSls jkT; ldkjkRed O;ogkj ugha dj jgs gSa A fcgkj esa fcgVk] uoknk] njHkaxk] eqtÝiQjiqj vkSj iVuk esa ,e,l,ebZ ds fodkl ds fy, geus cgqr igys çLrko Hksts Fks] ftuesa ls iVuk esa

,e,l,ebZ dh dsaæh; ;kstukvksa dks ykxw djus esa jkT; ljdkjksa ls lg;ksx dh vis{kk% fxfjjkt flag

Vwy :e [kksyus esa rks dsUæ ljdkj dks liQyrk fey xbZ] vU; txgksa ij ç'kklfud lqLrh fn[kkbZ ns jgh gS A

;s çLrko D;k gSa \ blls fcgkj dk fdl rjg ls Hkyk gks ldrk gS \

fxfjjkt flag %& fcgkj esa esaFkk] [kl tSls lqxfU/r ikS/ksa dh [ksrh dh O;kid laHkkouk gSA gekjs ea=kky; ds varxZr dUukSSt (mÙkj çns'k) esa ,d dk;kZy; gS ,iQ,iQMhlh ;kfu ÝzQSxjsal ,aM ÝySoj MoysiesaV lsaVj A bl ,iQ,iQMhlh

laln esa vke ctV çLrqr fd;s tkus ds ckn fnYyh fLFkr m|ksx Hkou esa fnukad 2 ekpZ] 2016 dks lw{e] y?kq vkSj eè;e m|e (,e,l,ebZ) ds dsUæh; jkT; ea=kh fxfjjkt flag ls ^y?kq m|ksx lekpkj* ds eq[; laiknd gjh'k vkuan vkSj ofj"B laiknd gjsUæ çrki us ,e,l,ebZ ls tqM+s fofHkUu fo"k;ksa ij ckrphr dh A çLrqr gS ml ckrphr ds çeq[k va'k %&

fo'ks"k lk{kkRdkj

10 y?kq m|ksx lekpkj

dk ,DlVsa'ku lsaVj fcgkj ds fcgVk esa [kksyus dk çLrko gS A blls ,d vksj tgka fcgkj ds fdlkuksa dks oSdfYid udnh [ksrh dh vksj çksRlkfgr fd;k tk ldrk gS] ogha nwljh vksj fdlkuksa dks bl rjg dh iQly ls vf/dkf/d ewY; fey ldrk gS A

fiQj gS ^Vwy :e* dks [kksyus dk çLrko A iVuk esa ge Vwy :e [kksy pqds gSa vkSj blls fcgkj ds csjkstxkj ;qokvksa dks dkiQh ykHk fey jgk gS A blh rjg uoknk ftyk fLFkr vkbZ Vh vkbZ esa ge te'ksniqj fLFkr vkbZ Mh Vh vkj ;kfu baMks&MSfu'k Vwy :e dk ,DlVsa'ku lsaVj [kksyuk pkgrs gSa A blds fy, nks vU; vkbZ Vh vkbZ (eqtÝiQjiqj vkSj njHkaxk) esa Hkh Vwy :e dk ,DlVsa'ku lsaVj [kksyus dk jkT; ljdkj dk vkxzg gekjs ea=kky; us Lohdkj dj fy;k gS] ysfdu vusd eghuksa ds gekjs vFkd ç;klksa ds ckotwn fcgkj ljdkj dh ç'kklfud lqLrh [kRe gksus dk uke gh ugha ys jgh gS A ge djsa rks D;k djsa\ ge rsth ls fodkl pkgrs gSa

ysfdu jkT; ljdkj dh mnklhurk ;k ç'kklfud ykijokgh ls jkT; vkSj ns'k ds fgr esa rS;kj çLrkoksa ds lkeus ^LihM czsdlZ* [kM+s gks tk jgs gSa A

blh rjg] uoknk ftys ds gh ujgV ç[kaM ds varxZr [kuoka xkao esa lkaln vkn'kZ xzke ;kstuk ds rgr ge dsohvkbZlh ([kknh ,aM foyst baMLVªht deh'ku) dk mRiknu&lg&çf'k{k.k dsUnz [kksyuk pkgrs gSa] ysfdu ;g çLrko Hkh jkT; dh ç'kklfud O;oLFkk dh mis{kk dk f'kdkj gS A rc tcfd [kuoka esa dsoh vkbZlh dk ;g çLrkfor mRiknu&lg&çf'k{k.k dsUæ iwjs ns'k ds fy, ,d fof'k"V ekWMy fl¼ gks ldrk gS A eqtÝiQjiqj vkSj njHkaxk ds Hkh çLrko fofHkUu dkj.kksa ls f'kfFky voLFkk esa gSa A tkfgj gS fd blls uqdlku fcgkj dh turk dks vkSj fo'ks"kdj ogka dh ;qok ih<+h dks gks jgk gS A ;g fdruk cM+k uqdlku gS] bldk vuqeku vki bl ckr ls yxk ldrs gSa fd iVuk esa Vwy :e ls fiNys

fo'ks"k lk{kkRdkj

11vizSy] 2016

vkB eghus esa nks gtkj ;qok jkstxkj ikus ds fy, çf'k{k.k ys pqds gSaA bu cPpksas dk dSEil lsysD'ku Hkh gks jgk gS A

gkykafd fcgkj vdsyk jkT; ugha gS tks lg;ksx ugha dj ik jgk gS A blh rjg ls jktLFkku ds nkSlk esa lksyj pj[kk ds çLrko ds fy, vHkh rd tehu ugha fey ik;h gS A

mu jkT;ksa ds ckjs esa vki crk;sa tgka ls ,e,l,ebZ dks ysdj mRlqdrk tkfgj dh xbZ gS vkSj jkT; ljdkj dk lg;ksx ldkjkRed vkSj mRlkgo¼Zd gS\

bldk lcls vPNk mnkgj.k gS ef.kiqj A jkT; NksVk t:j gS ysfdu mudh vkdka{kk cM+h gS A blhfy, dsUæ ljdkj dh ;kstukvksa dks viuh tehu ij lkdkj djus ds ekeys esa os csgn xaHkhj gSa A ogka ds lHkh ukS ftyksa ls Hkjiwj lg;ksx fey jgk gS A ogka baD;wcs'ku lsaVj dks ysdj dkiQh mRlkg gS A

,e,l,ebZ esa liQy m|eh cuus dh dqath D;k gS\

fxfjjkt flag %& dksbZ Hkh m|eh tks vius çksMDV ;k lsok dks dkWLV biQsfDVo] DokfyVh] ;wtj ÚsaMyh vkSj ekdsZV ds fglkc ls çfrLi¼hZ cukus esa dke;kc gksrk gS] rks ml m|eh dks nsj&lcsj liQy gksus ls dksbZ ugha jksd ldrk gSA

ekuuh; ç/kuea=kh us ^eu dh ckr* esa [kknh vkSj lksyj p[ksZ dh ppkZ dj] xzkeh.k m|ksxksa ds dk;ZØeksa dks u;h xfr çnku dh gS] ea=kky; blls fdruk vfHkçsfjr gS \

fxfjjkt flag %& nsf[k;s] ekdsZfVax ds nkSj esa] [kknh vc fo'o esa ,d czkaM ds :i esa mHkj pqdk gS vkSj mlus ekdsZV esa viuh ,d igpku cuk yh gS A ge [kknh dh ekdsZfVax esa fofHkUu dEifu;ksa ls VkbZ&vi dj jgs gSa A 'kh?kz gh [kknh thUl dks Hkh ge cktkj esa yk jgs gSa] ftlls ubZ ih<+h Hkh [kknh dh vksj vkdf"kZr gksxh A n

&lHkh iQksVks ds Nk;kdkj vfHk"ksd iqjh gSaA

fo'ks"k ys[k


,e,l,ebZ ;kfu lw{e] y?kq vkSj eè;e m|e gj ns'k dh vFkZO;oLFkk dh jh<+ gksrs gSaA Hkkjrh; vkS|ksfxd mRiknu esa bl {ks=k dk yxHkx 45

vkSj fu;kZr esa yxHkx 40 çfr'kr ;ksxnku gSA Hkkjr ds thMhih esa yxHkx vkB iQhlnh ;ksxnku Hkh ;g {ks=k djrk gSA gj lky bl {ks=k esa djhc 13 yk[k yksxksa dks jkstxkj feyrk gSA ;g {ks=k ns'k dh rduhd dks fodflr djus rFkk lajf{kr djus esa viuh Hkwfedk fuHkkrk jgk gSA nqfu;k ds vusd ns'kksa esa bl {ks=k dks cM+k gh lEekfur LFkku gkfly gS D;ksafd bl {ks=k ls bu ns'kksa ds thMhih dk cM+k fgLlk vkrk gSA mnkgj.k ds fy, rkboku esa ,e,l,ebZ thMhih esa 85 iQhlnh dk ;ksxnku djrk gS tcfd vesfjdk esa bldk ;ksxnku 48 çfr'kr gSA blh rjg czkthy esa 22] :l esa 35 vkSj nf{k.kh vÚhdk esa 57 çfr'kr bldk ;ksxnku ik;k x;k gSA Hkkjr ds thMhih esa bl {ks=k dk ;ksxnku vHkh mruk vf/d ugha ns[kk tk jgk gS ysfdu og fnu nwj ugha fd ;gka Hkh bl {ks=k dk bruk fodkl gks tk,xk fd thMhih esa bldk ;ksxnku vU; ns'kksa dks VDdj nsus yxsxkA

bl y{; dks è;ku esa j[kdj ns'k ds thMhih esa vHkh Bhd&Bkd ;ksxnku nsusokys ekbØks] LekWy] ehfM;e

ctV ls ,e,l,ebZ dks feysxh ubZ rkdr &lhek dqekjh

bUVjçkbtsl dk 2016&17 ds dsaæh; ctV esa fo'ks"k [;ky j[kk x;k gSA cgqvk;keh xq.kksa vkSj laHkkoukvksa ds dkj.k ;g {ks=k vc ljdkj dh egRokdka{kh êsd&bu bafM;k* dk;ZØe ds lkFk rkyesy fcBk jgk gSA nksuksa dks ,d nwljs ls rkdr feyus dh laHkkouk c<+ xbZ gSA blfy, ljdkj us bl ctV esa dbZ ,slh O;oLFkk,a dh gSa ftlls fd lw{e] y?kq vkSj eè;e m|e dk {ks=k vkSj Hkh iQwys&iQys vkSj fodflr gks rFkk ns'k ds fodkl esa bl {ks=k dh Hkwfedk fo'kky cu tk,A

êsd&bu&bafM;k* dk;ZØe dks vf/d ls vf/d etcwr cukus dk ljdkj dk ç;kl bl fn'kk esa mBk;k x;k ,d cM+k dne gSA ctV esa ,sls çko/ku fd, x, gSa tks êsd&bu&bafM;k* dk;ZØe dks vkSj ÅtkZoku rjhds ls tkjh j[ksxk rkfd Hkkjr dk lw{e] y?kq vkSj eè;e m|ksx vkSj vkxs c<+rk jgsA vçSy 2016 ls ysdj ekpZ 2019 ds ikap lkyksa ds igys rhu lky esa lkS iQhlnh çkWfiQV ds çko/ku ls ljdkj ds blh mís'; dk ladsr feyrk gSA foÙk ea=kh v#.k tsVyh dk dguk Hkh Fkk fd bl {ks=k esa de ls de VSDl dk çko/ku fd;k tk,xkA bruh gh ugha vU; ns'kksa ls çsj.kk ysrs gq, ljdkj us bl {ks=k esa fons'kh iwath ds fy, Hkh LFkk;h jkLrk [kksyus dk iQSlyk fy;k

ctV esa ,sls çko/ku fd, x, gSa tks esd&bu&bafM;k dk;ZØe dks vkSj ÅtkZoku rjhds ls tkjh j[ksxk rkfd Hkkjr dk lw{e] y?kq vkSj eè;e m|e vkSj vkxs c<+rk jgsA vçSy 2016 ls ysdj ekpZ 2019 ds ikap lkyksa ds igys rhu lky esa lkS iQhlnh çkWfiQV ds çko/ku ls ljdkj ds blh mís'; dk ladsr feyrk gSA foÙk ea=kh v#.k tsVyh dk dguk Hkh Fkk fd bl {ks=k esa de ls de VSDl dk çko/ku fd;k tk,xkA bruk gh ugha vU; ns'kksa ls çsj.kk ysrs gq, ljdkj us bl {ks=k esa fons'kh iwath ds fy, Hkh LFkk;h jkLrk [kksyus dk iQSlyk fy;k gSA vHkh rd ljdkj fonsf'k;ksa dks ,d ckj esa ikap lky ds fy, ns'k esa fuos'k djus dh vuqefr nsrh gS ysfdu bl ctV ds çko/kuksa ds vuqlkj vc dksbZ Hkh fons'kh Hkkjr esa jgdj O;kikj dh vuqefr ik ldsaxsA ;kfu LVs bu bafM;k dh Hkkouk ds lkFk fonsf'k;ksa ds fy, vc Hkkjr esa jgdj bRehuku ds lkFk viuk m|ksx ;k O;kikj pykus dh lqfo/k gksxhA

fo'ks"k ys[k

13vizSy] 2016

gSA vHkh rd ljdkj fonsf'k;ksa dks ,d ckj esa ikap lky ds fy, ns'k esa fuos'k djus dh vuqefr nsrh gS ysfdu bl ctV ds çko/kuksa ds vuqlkj vc dksbZ Hkh fons'kh Hkkjr esa jgdj O;kikj dh vuqefr ik ldsaxsA ;kfu LVs bu bafM;k dh Hkkouk ds lkFk fonsf'k;ksa ds fy, vc Hkkjr esa jgdj bRehuku ds lkFk viuk m|ksx ;k O;kikj pykus dh lqfo/k gksxhA blls muds fnyksa fnekx esa fLFkjrk dk Hkko vk,xk vkSj mudk lkjk è;ku vius m|ksx vkSj O;kkikj dks vkSj cM+k cukus esa yxsxkA ;g ,d ,slh lqfo/k gS ftlls ns'k esa fons'kh iwath fuos'k dk LFkk;h çokg lqfuf'pr gks ldsxkA gkykafd ljdkj us dqN lhek,a Hkh r; dh gSA ljdkj ^esd&bu&bafM;k* dk;ZØe esa vkSj Hkh vusd lqfo/k,a ns jgh gSA elyu ctV esa baosLVesaV çeks'ku vkSj ,esaMsM VsDuksyksth vixzsMs'ku iQaM ds :i esa 1804 djksM+ dk çko/ku fd;k x;k gSA ctV esa ^esd&bu&bafM;k* dk;ZØe dks c<+kok nsus ds fy, dLVe vkSj ,Dlkbt M~;wVh dh njksa esa cnyko ykus dh ckr dgh xbZ gSA lkFk gh vusd fu;eksa dks Hkh ljy cukus dh rS;kjh gSA ;g lc ns'k ds vanj ykxr dks de djus vkSj çfr;ksfxrk ds ekgkSy dks csgrj cukus ds fy, fd;k x;k gSA dqN [kkl {ks=kksa dks O;kikj djus ds dke dks vkSj Hkh vklku cukus ds fy, mik; fd;k tk jgk gSA ;s {ks=k gSaµvkbZVh gkMZos;j] dSfiVy xqM~l] fMiQsUl çksMD'ku] VsDlVkby] feujy Ý;wy] feujy vkW;y] isij] isijcksMZ vkSj U;wtfçaVA bruk gh ugha ljdkj us fu;ksDrkvksa dks Hkh cM+h jkgr nh gSA ctV esa ;g çko/ku fd;k x;k gS fd csjkstxkjksa dks vkSipkfjd :i ls ukSdjh nsus okys fu;ksDrkvksa dks rhu lky rd ;g jkgr feysxh fd os ftrus Hkh csjkstxkjksa dks ubZ ukSdjh nsaxs] mu lHkh deZpkfj;ksa ds bEiykbt çksfoMsaM iQaM ds rgr uketn gksus ij bEiykbt isa'ku Ldhe esa 8-33 iQhlnh jkf'k ljdkj nsxhA fu;ekuqlkj isa'ku Ldhe esa ;g fgLlk fu;ksDrkvksa dks nsuk gksrk gSA ;g Ldhe 15000 #i, rd osru ikusokys deZpkfj;ksa ds fy, ekU; gksxhA bl rjg ljdkj fu;ksDrkvksa dks T;knk ls T;knk csjkstxkjksa dks ukSdjh nsus ds fy, çksRlkfgr dj jgh gSA ;g fLFkfr Hkh ,e,l,ebZ dh lsgr ds fy, dkiQh vPNh lkfcr gksus okyh gSA

xkao] [ksr&[kfygku vkSj fdlku dks ,d csgrj

dy fnykus dk jkLrk rS;kj djus okys bl ctV esa bl {ks=k ds fy, ekbØks LekWy ehfM;e bUVjçkbtsl ds fy, 3464 djksM+ ls vf/d dh jkf'k dk çko/ku djds ljdkj us viuh ea'kk Li"V dj nh gS fd vkus okys le; esa ;qodksa dh rkdr dk iqjtksj bLrseky ns'k ds fuekZ.k esa fd;k tk,xkA ;fn lkiQ rkSj ij bls le>k tk, rks ;g dqN bl çdkj gksxk fd ,d rjiQ rks ns'k ds fdlku ds djksM+ksa gkFk [ksr&[kfygkuksa ds ekè;e ls [kq'kgkyh mitk,axs rks nwljh rjiQ ;qokvksa ds gkFk esa gksxh ns'k dh ubZ fn'kk dks x<+us dh dykA ;qok 'kfDr vius gkFkksa ds gquj vkSj fnekx dh rkdr ls ubZ fn'kkvksa dk fuekZ.k djsaxs tks vkusokyh ihf<+;ksa dks jks'ku djsxhA ctV esa mu jkLrksa dks Hkh fn[kk;k x;k gS ftu ij pydj ns'k ds ;qokvksa dks ;g dyk gkfly gksxhA

bUgha jkLrksa esa ls ,d gS ^LVkVZ&vi bafM;k*A ^LVkVZ&vi bafM;k* dh rkdr dqN ,slh gS fd ctV ds igys vkSj ç/kuea=kh dh ?kks"k.kk ds ckn ls gh ns'k ds ;qok bl vksj vkdf"kZr gksus yxsA ,d mnkgj.k ls ge le> ldrs gSa fd bl dk;ZØe esa fdruh vkd"kZ.k 'kfDr gSA mÙkjk[kaM ds :M+dh esa eSdsusfdy vkSj vkbZVh esa bathfu;fjax dh i<kbZ iwjh dj pqds vfer vkSj fou; uked nks ;qok bathfu;jksa us vius dkWyst ds dSail I‍yslesaV esa cM+h daifu;ksa dk vkWiQj Bqdjk fn;k vkSj dsaæ ljdkj ds LVkVZ vi dk;ZØe ls çsj.kk ysrs gq, viuk dke 'kq: djus dk iQSlyk fy;kA mUgksaus dke Hkh ,slk 'kq: fd;k tks vkt rd fdlh dks djrs ugha ns[kk x;k vkSj u gh lquk x;kA ;kuh budk dke fcYdqy ekSfyd FkkA nksuksa ;qokvksa us feydj vius ikWdsV euh ls cpkdj 40 gtkj #i, ls ^nslh feL=kh * uke ls pyrk&fiQjrk xSjkt [kksykA nksuksa yksxksa ds ?kj&?kj tkdj fliQZ 99 #i, esa ckbd dh lfoZflax djus yxsA 'kq:&'kq: esa FkksM+h fnDdr vo'; gqbZ ysfdu /hjs&/hjs ;g dke py fudykA tc bldk çpkj dkiQh gks x;k rks ;g dke fliQZ py gh ugha fudyk cfYd tcjnLr rjhds ls te x;kA dqN gh fnuksa ds ckn nksuksa ;qok nksLrksa dk dke bruk c<+ x;k fd mUgsas u, yksxksa dh t:jr iM+us yxhA vHkh muds ikl ikap f'kf{kr vkSj vuqHkoh vkWVkseksckby eSdsfud gSaA

fo'ks"k ys[k


nksuksa dk dguk gS fd ,d ckj dkWy djus ds ckn okgu dh fnDdr nwj djus dh ftEesokjh budh gSA tkWc dkMZ cuus ds ckn 48 ?kaVs ds ckn iQhMcSd ysus ds fy, dkWy dh tkrh gSA ekewyh fnDdr vkus ij Úh esa Bhd dh tkrh gSA blds ckn vxys nks ekg esa dkWy dj [kqn okgu dh lfoZl dh ;kn Hkh fnykbZ tkrh gSA ;g dke bruk yksdfç; gks x;k gS fd vc nksuksa dh ;kstuk gS fd eqæk ;kstuk ls dtZ ysdj os ,d osclkbV ykap djsa vkSj iwjs ns'k esa nslh feL=kh ds dkWUlsI‍V dks foLrkj fn;k tk,A

^LVkVZ vi* dh rjiQ vkdf"kZr gksus dh ;g igyh ?kVuk ugha gSA blds igys Hkh vusd mPp f'k{kk gkfly fd, gq, ;qodksa us cM+h lSyjh dh ukSdjh dks xqMckW; dgrs gq, viuk dke 'kq: fd;k gS vkSj ns'k ds ekgkSy dks ÅtkZoku cuk jgs gSaA dgus dk vk'k; ;g gS ^LVkVZ& vi* dh rkdr ls ns'k esa vfr NksVs] NksVs vkSj e>kSys dy&dkj[kkus iui jgs gSa vkSj ;qok vkcknh dks jkstxkj fey jgk gSA blfy, ctV esa LVkVZ vi bafM;k ds fy, 1100 djksM+ dh jkf'k dk çko/ku fd;k x;k gS rkfd ;g ;kstuk vkSj rkdroj gksdj mHkjsA

fo'ks"k ys[k

15vizSy] 2016

bl ctV esa ljdkj us xkaoksa vkSj fdlkuksa dh csgrjh ds ftrus Hkh ç;kl fd, gSa] os lHkh fodkl dh vo/kj.kk ij vk/kfjr gSaA blfy, lkjs mik; fodkl ds ea=k ls çsfjr gSaA ysfdu ,e,l,ebZ ds lkeus vius fodkl dks vkxs c<+kus ds jkLrs esa dqN ,slh leL;k,a gSa ftUgsa nwj djuk t:jh FkkA elyu lw{e] y?kq vkSj eè;e bUVjçkbtsl ds lkeus lcls cM+h leL;k gS dq'ky deZpkfj;ksa dhA bl leL;k ds dkj.k budk mRiknu Hkh çHkkfor gksrk gS vkSj fodkl HkhA m|ksxksa ds ekfyd vkerkSj ij vdq'ky yksxksa dks ukSdjh ij j[krs gSa vkSj fiQj mUgsa dq'ky cukus ds fy, çf'k{k.k nsus dk dke djrs gSaA bl çfØ;k esa m|ksxksa dk dkiQh oDr fudy tkrk gS vkSj mudk [kqn dk visf{kr fodkl ugha gks ikrk gSA ctV esa ,slh leL;kvksa ds lek/ku ds fy, dqN mik; fd, x, gSaA bu mik;ksa esa ls ,d gS& dkS'ky fodklA dkS'ky fodkl dks ctV esa dkiQh egRo fn;k x;k gS vkSj bldh ifjdYiuk ds ihNs csjkstxkj ;qodksa dks vius iSjksa ij [kM+k djus dk ealwck fNik gS rkfd muesa ls dqN ,sls Hkh ;qod fudy ldsa tks çf'k{k.k ds ckn ljdkj ls dtZ ysa vkSj lw{e ;k y?kq Lrj ij viuk jkstxkj [kM+k djsaA bldk nksgjk ykHk gksxkA ,d rks og ;qod [kqn dk jkstxkj ik,xk vkSj nwljs dqN vU; csjkstxkj ;qodksa dks jkstxkj nsxkA lkFk gh orZeku esa pkyw m|ksxksa dks Hkh dq'ky yksx feysaxs vkSj mudk fodkl vf/d rsth ls gksxkA

dkS'ky fodkl dk;ZØe ds rgr ljdkj us ,d djksM+ ;qodksa dks çf'k{k.k nsdj rduhdh :i ls gqujean cukus dk y{; fu/kZfjr fd;k gSA blds fy, ctV esa iwjs ns'k Hkj esa 1500 cgq dkS'ky çf'k{k.k dsaæ [kksyus dh ?kks"k.kk dh xbZ gSA ç/kuea=kh dkS'ky fodkl ;kstuk dk foLrkj djrs gq, ctV esa 1700 djksM+ #i, dk çko/ku Hkh fd;k x;k gSA f'k{kkfonksa vkSj m|ksx txr dh Hkkxhnkjh ls jk"Vªh; dkS'ky fodkl çek.ku cksMZ dh LFkkiuk djus dk Hkh fu.kZ; fy;k x;k gSA fiNys lky ljdkj us dkS'ky fodkl ea=kky; dk xBu fd;k gSA blds ckn fofHkUu ea=kky;ksa ls tqM+s dkS'ky fodkl dk;ZØeksa dks bl ea=kky; ds v/hu dj fn;k x;k FkkA vc rd 76 yk[k ;qokvksa

dks çf'kf{kr fd;k tk pqdk gSA vxys rhu lkyksa esa ,d djksM+ ;qokvksa dks gqujean cukus dk y{; j[kk x;k gSA

blds lkFk gh ljdkj rduhdh f'k{kk dks vkWuykbu miyCèk djkus dh Hkh rS;kjh dj jgh gS rkfd bl çdkj dh f'k{kk lqyHk gks vkSj T;knk ls T;knk yksxksa rd igqapsA ljdkj us 2200 dkWystksa] 300 Ldwyksa] 500 ljdkjh vkS|ksfxd çf'k{k.k laLFkkuksa vkSj 50 O;kolkf;d çf'k{k.k dsaæksa esa vkWuykbu rduhdh f'k{kk dsaæksa ds ekè;e ls rduhdh f'k{kk miyC/ djkus dh ;kstuk cukbZ gSA ljdkj dk dguk gS fd blds tfj, m|eh cuus ds bPNqd yksxksa dks ekxZn'kZdksa vkSj ½.k cktkj ls tksM+k tk,xkA

ctV çLrkoksa esa ,d vkSj ,slk mik; fd;k x;k gS tks ,e,l,ebZ dh Hkkouk dks cy nsxkA ljdkj us xzkeh.k Hkkjr dks daI‍;wVj ls tksM+us dh egRokdka{kh ;kstuk cukbZ gSA blds rgr xkaoksa ds 6 djksM+ ifjokjksa dks fMftVy lk{kjrk ds nk;js esa ykus dh ?kks"k.kk dh xbZ gSA ljdkjh ;kstukvksa ds çlkj&çpkj esa csgn ennxkj lkfcr gks jgs baVjusV dk foLrkj vc xkaoksa esa rsth ls gks ldsxkA ctV Hkk"k.k esa dgk x;k gS fd ljdkj tYn gh ,d ubZ fMftVy lk{kjrk fe'ku ;kstuk dk vkjaHk Hkh djsxhA blds rgr vxys rhu o"kksaZ esa 6 djksM+ ifjokjksa dks ;kstuk esa 'kkfey fd;k tk,xkA ljdkj 'kh?kz bl ;kstuk dk C;ksjk lkoZtfud djsxhA

dqy feykdj ;g dgk tk ldrk gS fd ctV esa ns'k esa ,e,l,ebZ ds vPNs fnuksa dk vkxkt djus dk Hkjiwj ç;kl fd;k x;k gSA lkFk gh og fnu nwj ugha tc Hkkjr dk ,e,l,ebZ {ks=k Hkh nqfu;k ds vU; ns'kksa tSls czkthy] :l] vesfjdk vkfn dh rjg vius ns'k ds thMhih esa cM+k ;ksxnku djsxk] vkfFkZd fodkl dh /qjh cudj vFkZO;oLFkk dks ubZ Åapkb;ka nsxk vkSj csjkstxkjksa dh iQkSt dks de djus esa Hkh egRoiw.kZ Hkwfedk fuHkk,xkA n

&ysf[kdk lhek dqekjh Lora=k i=kdkj gSaA

ys[k


Hkkjr ds orZeku ç/kuea=kh Jh ujsUæ eksnh Hkkjr dks iqu% fo'o xq# dh mikf/ ls lq'kksfHkr djus gsrq yxkrkj ç;Ru'khy gSa vkSj

vk/qfud n`f"V ls Hkkjr dks etcwr djus dk ç;kl Hkh dj jgs gSaA fLdy MsoyiesaV dk igyk mís'; O;fDr ([kkldj ;qokvksa) ds vUnj Nqih çkÑfrd çfrHkk dks rjk'kdj csgrj vk;ke nsuk gSA fLdy MsoyiesaV dk vkbfM;k orZeku ljdkj dk gS] ftlus fLdy MsoyiesaV dk vyx ea=kky; LFkkfir dj cukdj fLdy MsoyiesaV dks lkdkj djus ds fy, xaHkhjrk dk ifjp; fn;k gSA fLdy MsoyiesaV dk iQk;nk mUgsa Hkh feysxk tks xk¡o esa jgrs gq, viuk thou&;kiu dj jgs gSaA Hkkjr ds og fgLls tgk¡ f'k{kk vkSj jkstxkj dk cgqr gh vHkko gS ftlesa mÙkj çns'k] fcgkj] jktLFkku] if'pe caxky vkSj mM+hlk vkfn ds xkaoksa esa jgrh gS vkSj ;gk¡ lk{kjrk nj jk"Vªh; Lrj ls cgqr de gSA bu {ks=kksa ds yksx eq[;r% Ñf"k vkSj i'kqikyu ls tqM+s dk;Z gh dj ikrs gSa vkSj ;gh muds thou&;kiu dk tfj;k Hkh gSA ,sls {ks=kksa ds ;qokvksa dks fo'ofo|ky;ksa dh ikjaifjd fMxzh ds vkykok mudh :fp vkSj Hkfo"; esa dke nsus okys #fpdj dkslZ ds fy, çksRlkgu feyuk pkfg, ftlls mUgsa viuk Hkfo"; lqjf{kr fn[ksA

fLdy MsoyiesaV % laHkkouk,a fLdy MsoyiesaV dh lEiw.kZ vo/kj.kk liQy

gksrs gh ;qok oxZ Hkfo"; ds fudVre o"kksa Z esa ,d u,

fLdy MsoyiesaV ds tfj;s gh laHko gS Hkkjr dk lok±xh.k fodkl

& fudqat 'kekZ ,oa MkW- jek

Hkkjr dk fuekZ.k dj ldsaxs tks orZeku Hkkjr ls vf/d etcwr vkSj LokfHkekuh gksxk A orZeku Hkkjr ljdkj us bu vko'drkvksa dks le>rs gq, vkSj ;qokvksa dks ukSdjh nsus ds mís'; ls lu~ 2032 rd yxHkx 55 djksM+ ;qokvksa dk fLdy MsoyiesaV djus dk y{; j[kk gSA ljdkj dk ;g y{; rHkh iwjk gksxk tc yksxksa rd fLdy MsoyiesaV dk egÙo igqapsxkA phu us eSU;qiQSDpfjax lsDVj ij fo'ks"k <ax ls ;kstukc¼ rjhds ls dk;Z djds vius ns'k dh turk dks mudh {kerk ds fglkc ls dke fy;k A ogha Hkkjr us lfoZl lsDVj esa 1990 ds n'kd esa dkiQh rjDdh dh vkSj ,d vkbZVh lqij ikWoj ds :i esa mHkjk ysfdu Hkkjr eSU;qiQSDpfjax ds {ks=k esa dqN [kkl ugha dj ik;kA Hkkjr ds orZeku ç/kuea=kh Jh ujsaæ eksnh dh vè;{krk esa dsaæh; eaf=keaMy us 2 tqykbZ] 2015 dks jk"Vªh; dkS'ky fodkl fe'ku ds fy, laLFkkxr <kaps dks viuh eatwjh çnku dj nhA Xykscy bUosLVlZ lfeV esa fLdy MsoyiesaV ij gq, lsDVksjy lsfeukj esa fo'ks"kKksa us dgk fd fuos'k c<+kus ds fy;s fLdy MsoyiesaV t:jh gSA ,slk ugha gS fd fLdy MsoyiesaV dk iQk;nk fliQZ vkbZvkbZVh tSls {ks=kksa ds fy, gh gksxkA blds lkFk gh laxhr&u`R;] dyk] ys[ku vkfn ds {ks=k esa Hkh vikj laHkkouk,a gksaxhA bl Hkkoh ;kstuk ds varxZr çR;sd o"kZ de ls de 24 yk[k yksxksa dks fofHkUu fo"k;ksa esa çf'k{k.k nsdj mudks Lojkstxkj 'kq: djus ds fy, çksRlkgu nsus dh ;kstuk gSA

fLdy MsoyiesaV dh lEiw.kZ vo/kj.kk liQy gksrs gh ;qok oxZ Hkfo"; ds fudVre o"kksaZ esa ,d u, Hkkjr dk fuekZ.k dj ldsaxs tks orZeku Hkkjr ls vf/d etcwr vkSj LokfHkekuh gksxk A orZeku Hkkjr ljdkj us bu vko'drkvksa dks le>rs gq, vkSj ;qokvksa dks ukSdjh nsus ds mís'; ls lu~ 2032 rd yxHkx 55 djksM+ ;qokvksa dk fLdy MsoyiesaV djus dk y{; j[kk gSA ljdkj dk ;g y{; rHkh iwjk gksxk tc yksxksa rd fLdy MsoyiesaV dk egÙo igqapsxkA

ys[k

17vizSy] 2016

ç/kuea=kh dh Hkkoh ;kstuk % esd bu bafM;k fdlh Hkh ns'k dk fodkl bl ckr ij fuHkZj

djrk gS fd ml ns'k dk usr`RodrkZ fdruk O;kid lksp ldrk gSA Hkkjr ds orZeku ç/kuea=kh Jh ujsUæ eksnh dh yksdfç;rk fo'oHkj esa lcls vf/d blhfy, Hkh gS D;ksafd og ;qok ih<+h dks tksM+dj dne c<+kuk tkurs gSaA os c[kwch le>rs gSa fcuk ;qokvksa dks tksM+s ns'k dk pgqaeq[kh fodkl laHko gh ugha gSA mUgksaus Hkkjr dks fo'o'kfDr ds :i esa LFkkfir djus dk tks LoI‍u ns[kk gS] fLdy MsoyiesaV dh ladYiuk bl LoI‍u dks liQy cukus esa cgqr gn rd liQy gksxhA

^esd&bu&bafM;k* dk lw=k fLdy MsoysiesaV esd bu bafM;k dk y{; lEiw.kZ jk"Vª dks

eSU;qiQSDpfjax dk gc cukuk gS vkSj ;g rHkh laHko gS tc cgqrk;r ek=kk esa gekjs ikl dq'ky vkSj esgurh dkjhxj gksaxs A fLdy MsoyiesaV dk fopkj blesa egRoiw.kZ Hkwfedk fuHkk ldrk gS vius ns'k ds mRiknu vkSj fons'kh nksuksa fuos'kdksa dks ewy :i ls ,d vuqdwy ekgkSy miyC/

djkus ds lkFk muds chp ,d lkaLÑfrd lEcU/ cukus dk Hkh mís'; gS ftlls 125 djksM+ dh vusdrk esa ,drk dk Hkko j[kus okys le`¼ Hkkjr dks ,d fofuekZ.k dsaæ ds :i esa ifjofrZr djds jkstxkj ds volj iSnk gksaA blesa liQy gksus ij O;kikj dh n`f"V ls Hkkjr dk opZLo fo'o esa O;kid Lrj ij iM+sxk vkSj blesa fdlh uoizorZu ds fy, vko';d nks fufgr rRoksa&u;s ekxZ ;k voljksa dk nksgu vkSj lgh larqyu j[kus ds fy, pqukSfr;ksa dk lkeuk djuk 'kkfey gSaA

fLdy MsoyiesaV miyfC/;ka vkSj pqukSfr;k¡ % dqN fopkj.kh; fcanq

1- fLdy MsoyiesaV dk igyk mís'; O;fDr ([kkldj ;qokvksa) ds vUnj Nqih çkÑfrd çfrHkk dks rjk'kdj

csgrj vk;ke nsuk gSA 'kS{kf.kd laLFkkvksa }kjk ikjaifjd <ax ls nh x;h f'k{kk dk egÙo LFkk;h gS] mls dHkh Hkh vLohÑr ugha fd;k tk ldrk] ijUrq ikjaifjd fMxzh ds lkFk ,sls cgqr lkjs dkslZ gSa vkSj dk;Z gSa tks ;qokvksa ds vUnj fNih çfrHkk dks csgrj

ys[k


cukus esa enn dj ldrs gSaA ;g dkslZ cgqr de le; esa fd;s tk ldrs gS vkSj Hkfo"; esa csgrj thou th;k tk ldrk gS-

2- fLdy MsoyiesaV dh vo/kj.kk dh liQyrk ls çR;sd O;fDr ds gkFk esa dke gksxkA ;gk¡ rd fd fdlh dkj.k o'k mPp f'k{kk ls oafpr jg x, yksx Hkh vius vUnj dh çfrHkk dks igpku dj mls vius thou ;kiu dk tfj;k cuk ldrs gSaA fLdy MsoyiesaV dk vkbfM;k orZeku ljdkj dk gS] ftlus fLdy MsoyiesaV dk vyx ea=kky; LFkkfir dj cukdj fLdy MsoyiesaV dks lkdkj djus ds fy, xaHkhjrk dk ifjp; fn;k gSA

3- ljdkj dks bl dk;Z dks O;kid :i ls lkeus ykus ds fy, Hkfo"; esa fofHkUu lkekftd vkSj ljdkjh laLFkkvksa vkSj laxBuksa dks lkFk tksM+uk gksxk vkSj ea=kky; }kjk mudh enn djds ;qokvksa ds vUnj nch çfrHkk dkS'ky dk fodkl dj mUgsa mlls lEcaf/r jkstxkj fnyokus esa enn djuk gksxkA

4- orZeku ljdkj fLdy MsoyiesaV dks foLrkj nsus esa liQy gks tkrh gS rks ;g ,d etcwr vkSj lkFkZd igy gksxh ftlls ns'k fodkl djsxkA ^gj gkFk dks dke* dh vo/kj.kk fliQZ vkSj fliQZ fLdy MsoyiesaV ds ekè;e ls gh laHko gSA Ldwy] dkWyst] ,uthvks vkSj dkiksZjsV lsDVj ds chp lkeatL; cSBkdj ;qokvksa dk dkS'ky fodkl djuk djus ls ;qok ih<+h uk dsoy Lo;a dks LokfHkekuh cuk ldsxh cfYd viuk [kpZ Lo;a fudkydj vius ifjokj dks dks jkgr Hkh ns ldsxhA

5- ,d rjg ls ns[ksa rks ;g fcydqy u;k vkbfM;k gS blfy, çkjafHkd :i esa dkiQh esgur djds bls

liQy cukus dh dksf'k'k djuh gksxh vkSj ;kstukc¼ rjhds ls dk;Z Hkh djuk iM+sxkA igys fd'kksjksa vkSj ;qokvksa dks ekufld :i ls blds fy, rS;kj djuk iM+sxkA mUgsa yxuk pkfg, fd bl rjg dk dksbZ dkslZ djuk ;k bl {ks=k dk fgLlk gksuk de egRo dh ckr ugha gSA bl ekè;e ls oks vkus okys le; esa vPNk thou th ldsaxs vkSj vius lekt rFkk ifjokj ds fy, csgrj dj ldsaxsA blds fy, dkS'ky fodkl dks çkjafHkd f'k{kk ds nkSjku vfuok;Z :i ls ikB~;Øe esa 'kkfey dj Nk=kksa dks dkS'ky fodkl ds ckjs esa crkuk gksxkA

6- ljdkj dks ;g ;kstuk liQy djus ds fy, ,uthvks lsDVj dks Hkh bl rjiQ dke djus ds fy, çsfjr djuk iM+sxkA ;g de yksxksa dks tkudkjh gS ijUrq Hkkjr ds fofHkUu fgLlksa ds cgqr lkjs ljdkjh&xSj ljdkjh laLFkk,a igys ls bl dke dks csgrj vk;ke nsus esa yxs gq, gSaA vf'k{kk vkSj vkHkkoxzLr {ks=kksa] uDlyokn çHkkfor {ks=k] mÙkj&iwoZ vkSj d'ehj esa vyx ls ;kstuk cukus dh t:jr gSA ;gk¡ dh turk ds fy, fLdy MsoyiesaV dh tkudkjh igq¡pkuk cgqr vko';d gSA fLdy MsoyiesaV dk iQk;nk mUgsa Hkh feysxk tks xk¡o esa jgrs gq, viuk thou&;kiu dj jgs gSaA

7- Hkkjr ds og fgLls tgk¡ f'k{kk vkSj jkstxkj dk cgqr gh vHkko gS ftlesa mÙkj çns'k] fcgkj] jktLFkku] if'pe caxky vkSj mM+hlk vkfn ds xkaoksa esa jgrh gS vkSj ;gk¡ lk{kjrk nj jk"Vªh; Lrj ls cgqr de gSA bu {ks=kksa ds yksx eq[;r% Ñf"k vkSj i'kqikyu ls tM+s dk;Z gh dj irs gSa vkSj ;gh muds thou&;kiu dk tfj;k Hkh gSA ,sls {ks=kksa ds ;qokvksa dks fo'ofo|ky;ksa dh ikjaifjd fMxzh ds vkykok mudh :fp vkSj Hkfo"; esa dke nsus okys #fpdj dkslZ ds fy, çksRlkgu feyuk pkfg, ftlls mUgsa viuk Hkfo"; lqjf{kr fn[ksA ,slk djds ;qok oxZ Hkfo"; ds fudVre o"kksaZ esa ,d u, Hkkjr dk fuekZ.k dj ldsaxs tks orZeku Hkkjr ls vf/d etcwr vkSj LokfHkekuh gksxk A

ys[k

19vizSy] 2016

8- fLdy MsoyiesaV ij xaHkhjrk ds lkFk dk;Z fd;k x;k rks ge ;qokvksa dks u, jkstxkj ds lkFk&lkFk u, Hkkjr fuekZ.k dk LoI‍u Hkh lp gksxkA phu vkt O;olkf;d :i ls lEiw.kZ fo'o esa vius mRikn csp jgk gS vkSj yksxksa esa viuk fo'okl Hkh dk;e dj pqdk gSA lLrs vkSj vklkuh ls fey tkus okys pkbuht mRikn vkt iwjs fo'o esa Hkkjh ek=kk esa [kjhns tkrsA phu us eSU;qiQSDpfjax lsDVj ij fo'ks"k <ax ls ;kstukc¼ rjhds ls dk;Z djds vius ns'k dh turk dks mudh {kerk ds fglkc ls dke fy;k vkSj mUgsa mudk fn;kA

9- vkt phu ds NksVs&NksVs mRikn vesfjdk ls ysdj Hkkjr rd ds cktkjksa esa cM+s Lrj ij dkiQh ek=kk esa fcd jgs gSaA ogha Hkkjr us lfoZl lsDVj esa 1990 ds n'kd esa dkiQh rjDdh dh vkSj ,d vkbZVh lqij ikWoj ds :i esa mHkjk ysfdu Hkkjr eSU;qiQSDpfjax ds {ks=k es dqN [kkl ugha dj ik;kA eSU;qiQSDpfjax lsDVj dk O;kid Lrj ij çHkko rHkh laHko gS] tc blds fy, vf/d la[;k esa ea>s gq, dk;Z djus okys gksaxsA bl {ks=k esa dk;Z djus okyksa dh la[;k cgqr de gS vkSj dq'ky dkjhxjksa dk rks cgqr gh vHkko gS] tcfd ;gk¡ lEHkkouk cgqr vf/d gSA

10- orZeku ljdkj us bu vko';drkvksa dks le>rs gq, vkSj ;qokvksa dks ukSdjh nsus ds mís'; ls lu~ 2032 rd yxHkx 55 djksM+ ;qokvksa dk fLdy MsoyiesaV djus dk y{; j[kk gSA ljdkj dk ;g y{; rHkh iwjk gksxk tc yksxksa rd fLdy MsoyiesaV dk egÙo igqapsxkA vkbZVhvkbZ lsDVj ds {ks=kksa esa iQSys dk;Z {ks=kksa dk vk/quhdhdj.k vkSj {kerk fodkl ij dke gh ugha gqvk] blds vkHkko esa 65&70 djksM+ ;qokvksa dh rkdr ftls MseksxzkfiQd fMfoMsaM dgrs gSa] mldk iQk;nk laHko gh ugha gks ldkA laxfBr {ks=k esa dqy vkB çfr'kr ukSdfj;ka gSa ftlesa ls çfr'kr ljdkjh vkSj ikap iQhlnh xSjljdkjh {ks=kksa dh ukSdfj;ka gSaA ckdh 92 çfr'kr yksx ,sls {ks=kksa esa dk;Z djus thou ;kiu djus dks

foo'k gSa tgk¡ mudk ekufld vkSj 'kkjhfjd 'kks"k.k gksrk gSA ;g lp gS fd ;qokvksa ds vUnj vikj {kerk,a gS mudks u, jkstxkj ds volj miyC/djkus esa Hkh fLdy MsoyiesaV dk cM+k ;ksxnku gksxkA

ç/kuea=kh }kjk ^fLdy MsoyiesaV* lEcfU/r fo'oLrjh; ?kks"k.kk % egRoiw.kZ fcanq

Hkkjr ds orZeku ç/kuea=kh Jh ujsaæ eksnh dh vè;{krk esa dsaæh; eaf=keaMy us 2 tqykbZ] 2015 dks jk"Vªh; dkS'ky fodkl fe'ku ds fy, laLFkkxr <kaps dks viuh eatwjh çnku dj nhA jk"Vªh; dkS'ky fodkl fe'ku ns'k esa dkS'ky xfrfof/;ksa ds dk;kZUo;u gsrq dsaæ vkSj jkT; Lrj ij lqn`<+ laLFkkxr <kapk çnku djsxkA blds varxZr fuEu fcanq mHkjdj lkeus vk,&

1- bl vfHk;ku ds rgr ljdkj dk y{; o"kZ 2022 rd 40-02 djksM+ yksxksa dks dkS'ky çf'k{k.k çnku djuk gSA

2- ç/kuea=kh us bl volj ij fLdy bafM;k ds yksxks dk Hkh foekspu fd;kA

3- fLdy bafM;k yksxks esa eqB~Bh cka/s gkFk esa ikuk (vkSj isafly dks dldj idM+s gq, n'kkZ;k x;k gSA

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iQksVks iQhpj


23

Photo Feature

April, 2016

Phot

o by

: A

bhis

hek

Puri

Feature

24 Laghu Udyog Samachar

INTRODUcTION

Since the Budget was presented a year ago, the Indian economy has continued to consolidate the gains achieved in restoring macro economic

stability. Some of the achievements indicated in the Budget 2016-17 presented by Union Finance Minister, Shri Arun Jaitleyare as under:

Growth of Economy accelerated to 7.6% in 2015-16.

India hailed as a ‘bright spot’ amidst a slowing global economy by IMF.

Robust growth achieved despite very unfavourable global conditionsand two consecutive years shortfall in monsoon by 13%

Foreign exchange reserves touched highest ever level of about 350 billion US dollars.

Despite increased

Key Features of Budget 2016-2017 affecting MSMEs– Dr. Om Parkash Mehta

devolution to States by 55% as a result of the 14th Finance Commission award, plan expenditure increased at RE stage in2015-16 – in contrast to earlier years.

The major provisions affecting the rural and urban India including enterprises which were presented in the Budget 2016-17 are as under:

RURAL SEcTOR AND SOcIAL SEcTOR

300 Rurban Clusters will be developed under the Shyama Prasad Mukherjee Rurban Mission. These Clusters will incubate growth centres in rural areas by providing infrastructure amenities and

market access for the farmers. They will also expand employment opportunities for the youth.

“Stand Up India Scheme” to facilitate at least two projects per bank branch. The Prime Minister had given a call for promoting e n t r e p r e n e u r s h i p among SC/ST to

National Scheduled caste and Scheduled Tribe Hub to be set up in partnership with Industry Associations: The Government has proposed to constitute a National Scheduled caste and Scheduled Tribe Hub in the MSME Ministry in partnership with industry associations. This Hub will provide professional support to Scheduled caste and Scheduled Tribe entrepreneurs to fulfil the obligations under the central Government Procurement policy 2012, adopt global best practices and leverage the Stand Up India initiative.

Photo by : Abhishek Puri

Feature

25April, 2016

become job providers rather than job seekers. The Union Cabinet has approved the “Stand Up India Scheme” to promote entrepreneurship among SC/ST and women. Rs. 500 crore has been provided for this purpose. The Scheme will facilitate at least two such projects per bank branch, one for each category of entrepreneur. This will benefit at least 2.5 lakh entrepreneurs.

National Scheduled Caste and Scheduled Tribe Hub to be set up in partnership with industry associations: The Government has proposed to constitute a National Scheduled Caste and Scheduled Tribe Hub in the MSME Ministry in partnership with industry associations. This Hub will provide professional support to Scheduled Caste and Scheduled Tribe entrepreneurs to fulfil the obligations under the Central Government Procurement policy 2012, adopt global best practices and leverage the Stand Up India initiative.

SKILL DEVELOPMENT

National Board for Skill Development Certification to be setup in partnership with the industry and academia

Pradhan Mantri Kaushal Vikas Yojana (PMKVY) to scale up to skill one crore youth over the next three years

1500 Multi Skill Training Institutes to be set up across the country. Set aside an amount of Rs. 1,700 crore for the initiative.

Entrepreneurship Education and Training through Massive Open Online Courses. Entrepreneurship Education and Training to be provided in 2200 colleges, 300 schools, 500 Government ITIs and 50 Vocational Training Centres through Massive Open Online Courses. Aspiring entrepreneurs, particularly those from remote parts of the country, will be connected to mentors and credit markets.

JOB cREATION

Government of India will pay contribution of 8.33% for of all new employees enrolling inEPFO

for the first three years of their employment. Budget provision ofRs. 1000 crore for this scheme.

100 Model Career Centres to operational by the end of 2016-17 under National Career Service.

Model Shops and Establishments Bill to be circulated to States.

INFRASTRUcTURE AND INVESTMENT

New credit rating system for infrastructure projects to beintroduced.

100% FDI to be allowed through FIPB route in marketing of foodproducts produced and manufactured in India.

FINANcIAL SEcTOR REFORMS

Target of amount sanctioned under Pradhan Mantri Mudra Yojana increased to ` 1,80,000 crore.

BOOST EMPLOYMENT AND GROWTH

Increase the turnover limit under Presumptive Taxation Scheme undersection 44AD of the Income Tax Act to Rs. 2 crore to bring big relief to alarge number of assesses in the MSME category.Para 120 ofBudget Speech by Hon'ble Finance Minister in this regardis reproduced as follows:

“ Presumptive taxation scheme under Section 44AD of the Income Tax Act is available for small and medium enterprises i.e. non corporate businesses with turnover or gross receipts not exceeding one crore rupees. At present about 33 lakh small business people avail of this benefit, which frees them from the burden of maintaining detailed books of account and getting audit done. I propose to increase the turnover limit under the scheme to Rupees two crore which will bring big relief to a large number of assesses in the MSME category.”

Extend the presumptive taxation scheme with profit deemed to be 50%,to professionals with gross receipts up to Rs. 50 lakh.

Phasing out deduction under Income Tax.

Feature


Accelerated depreciation wherever provided in IT Act will belimited to maximum 40% from 1.4.2017

Benefit of deductions for Research would be limited to 150% from1.4.2017 and 100% from 1.4.2020

Benefit of section 10AA to new SEZ units will be available to those units which commence activity before 31.3.2020.

The weighted deduction under section 35CCD for skill development will continue up to 1.4.2020

Corporate Tax rate proposals:

New manufacturing companies incorporated on or after 1.3.2016to be given an option to be taxed at 25% + surcharge and cess provided they do not claim profit linked or investment linked deductions and do not avail of investment allowance and accelerated depreciation.

Lower the corporate tax rate for the next financial year for relatively small enterprises i.e. companies with turnover not exceeding Rs. 5 crore (in the financial year ending March 2015), to29% plus surcharge and cess.

100% deduction of profits for 3 out of 5 years for start-ups setup during April, 2016 to March, 2019. MAT will apply in such cases. Para 124 of Budget Speech by Hon'ble Finance Minister is for promotion of Start- ups which is reproduced as follows:

“Start-ups generate employment, bring innovation and are expected to be key partners in Make in India programme. I propose to assist their propagation through 100% deduction of profits for 3 out of 5 years for start-ups set up during April 2016 to March 2019. MAT will apply in such cases. Capital gains will not be taxed if invested in regulated/notified Fund of Funds and by individuals in notified Start-ups, in which they hold majority shares.”

10% rate of tax on income from worldwide exploitation of patents developed and registered in India by a resident.

Exemption of service tax on services provided under Deen Dayal Upadhyay Grameen Kaushalya Yojana and services provided by Assessing Bodies empanelled by Ministry of Skill Development & Entrepreneurship.

Basic custom and excise duty on refrigerated containers reduced to 5% and 6%.

MAKE IN INDIA

Changes in customs and excise duty rates on certain inputs to reducecosts and improve competitiveness of domestic industry in sectors likeInformation technology hardware, capital goods, defence production, textiles, mineral fuels & mineral oils, chemicals & petrochemicals, paper, paperboard & newsprint, Maintenance repair and overhauling [MRO] of aircrafts and ship repair.

PROMOTING AFFORDABLE HOUSING

Extend excise duty exemption, presently available to Concrete Mixmanufactured at site for use in construction work to Ready MixConcrete.

SIMPLIFIcATION AND RATIONALIZATION OF TAXES

Revision of return extended to Central Excise assesses.

Additional options to banking companies and financial institutions, including NBFCs, for reversal of input tax credits with respect to non-taxable services.

Customs Act to provide for deferred payment of customs duties forimporters and exporters with proven track record.

Customs Single Window Project to be implemented at major ports andairports starting from beginning of next financial year.

Feature

27April, 2016

TAX INcENTIVES FOR START-UPS AT A GLANcE

A deduction of one hundred percent of the profits and gains derived by an eligible start-up from a business involving innovation development, deployment or commercialization of new products, processes or services driven by technology or intellectual property.

The benefit of hundred percent deduction of the profits derived from such business shall be available to an eligible start-up which is setup before 01.04.2019.

Further, in order to promote the start-up ecosystem in the country, it is envisaged in 'Start-up India Action Plan' to establish a Fund of Funds which intends to raise Rs. 2500 crores annually for four years to finance the start-ups. To insert a new Section 54EE to provide exemption from capital gains tax if the long term capital gains proceeds are invested by an assessee in units of such specified fund, as may be notified by the Central Government in this behalf, subject to the condition that the amount remains invested for three years failing which the exemption shall be withdrawn.

The investment in the units of the specified fund shall be allowed up to Rs. 50 lakh With a view to further boost up start-ups where computers or computer software form the core asset base owing to nature of business activity, it has been proposed to amend section 54GB so as to provide that the expression "new asset" includes computers or computer software in case of technology driven start-ups so certified by the Inter-Ministerial Board of Certification notified by the Central Government in the official Gazette. These amendments will take effect from 1st April, 2017 and will, accordingly, apply in relation to the assessment year 2017-18 and subsequent assessment years.

With an objective to provide relief to an individual or HUF willing to setup a start-up company by selling a residential property to invest in the shares of such company, it is proposed to amend section

54GB so as to provide that long term capital gains arising on account of transfer of a residential property shall not be charged to tax if such capital gains are invested in subscription of shares of a company which qualifies to be an eligible start-up subject to the condition that the individual or HUF holds more than fifty per cent shares of the company and such company utilises the amount invested in shares to purchase new asset before due date of filing of return by the investor.

TAX INcENTIVES FOR EMPLOYMENT GENERATION AT A GLANcE

The provisions for employment generation have been made more attractive and employment generation friendly. The deduction under the said provisions shall now be available in respect of cost incurred on any employee whose total emoluments are less than or equal to twenty five thousand rupees per month against the existing provisions of Section 80JJAA interalia for a deduction of thirty percent of additional wages paid to new regular workmen in a factory for three years. This amendment will take effect from 1st April, 2017 and will accordingly apply in relation to assessment year 2017-18 and subsequent assessment years.

OTHER RELEVANT BUDGET ANNOUcMENTS

Hon'ble Finance Minister in his Budget Speech also announced various other announcements, para-wise some of which are mentioned as under:

Para 34 of the Budget talks of increase in the production of honey. Honey based Schemes can be created in the Ministry and can be implemented through Khadi and Village Industries Commission (KVIC).

Para 70: Here some encouraging steps are being announced for Retail Trade which is an encouragement of MSEs. n

–Writer is Director (Budget) in the Office

of Development commissioner (MSME).

Special Article


Small is beautiful, but in the Industrial climate of the

contemporary era, it becomes more bewitching for Law makers and entrepreneurs if it is sandwiched between Micro & Medium enterprises.

Captivated by the MSME’s charm which has potential to spur growth and generate massive employment, Both Railways and General Budget presented recently unwrapped a slew of programmes and concessions to the MSME sector. The sector sliced away a fair share in the financial pie announced

Vibrant Eco-System for MSME emerging; Budget injects fresh vigour; Obsolete Machinery replacement & Skilled

hands required – Neeraj Bajpai

for the next year in the general Budget.

With 3.6 crore units spread across the country, that employ 8.05 crore people, MSME have a contribution of about 8 per cent to the country’s GDP. Now, Thrust should be laid on quality production of the international standards and generation of employment at the massive scale by pushing Skill India programme like initiatives.

Elated over developing ecosystem

In a major thrust to growth to the MSME, the Government has also decided to relax the norms for Startup MSMEs. According to the decision, if the MSMEs can deliver the goods and services as per prescribed technical & quality specifications, the norms on prior experience and prior turnover will be relaxed for them. This will help the Startup MSMEs to take part in the mandatory 20% public procurement from MSMEs. To ensure better implementation of Quality Management Standard/Quality Technology Tools scheme under the NMcP, MSME Ministry will hold two International Study Missions in collaboration with confederation of Indian Industry and consultancy Development corporation during the next two years.

Photo by : Neeraj Bajpai

Special Article

29April, 2016

and budget allocations, MSME Minister Kalraj Mishra views 2016-17 as the “Development year” for the sector with the more allocation and increased job creation opportunities.

When Railway Minister Shri Suresh Prabhu rose in the Lok Sabha recently to unveil his big ticket plans for one of the largest Railway network, MSME sector was conspicuous by its presence. The Minister said the Railways was able to finalise the bids for setting up two Loco factories with an order book of Rs. 40,000 crore.” These factories will create an ecosystem of many flourishing small and medium ancillary units which will get connected to the global supply chain.

These will boost employment potential of the entire Eastern region. “We ran a bidding process that was absolutely transparent and the rates received were extremely competitive”, Shri Prabhu said while laying thrust on Make in India.

A number of other programmes announced in the Railway budget paves way for the MSME role. The sector is all set to be benefitted by the ministry’s initiative for imparting skills to local youth. The Skilled hands are bound to play more professional role in the MSME units which virtually pine for skilled hands.

The Railways plan massive skill development plan in close association with the Ministry of Skill

development on its nation wide premises. Railway workshops and production units will develop centers of excellence for Skill development focusing on one or two specialized activities for the general public.

Shri Prabhu, in his speech recalled Prime Minister’s vision of making Railways the backbone of economy, announced IR would join hands with prominent NGOs to prove skilling to people in remote areas including wards of Railway staff.

With allocations for the sector announced, The MSME minister says A time bound action plan for utilizing the allocation of Rs. 3,000 crore to his ministry and the implementation of major schemes which include PMEGP, SFRUTI, ASPIRE, etc. has been prepared .Illustration by : Neeraj Bajpai

Special Article


As per the Budget proposals, under PMEGP a sum of Rs. 1,139 crore will be utilized during 2016-17 to assist 55,000 projects with Margin Money. This will generate employment for more than 4, 25,000 persons.

The Khadi production is expected to reach Rs. 1300 crore during this fiscal year, generating employment for more 19.50 lakh persons. Rs. 341 crore has been earmarked for Khadi & Village Industries Commission for this purpose.

Khadi and Village Industries Commission (KVIC) is generating employment for thousands of persons by implementing the schemes of

Market Development Assistance (MDA), Interest Subsidy Eligibility Certificate (ISEC) scheme, Prime Minister's Employment Generation Programme (PMEGP) and Scheme of Fund for Regeneration of Traditional Industries (SFURTI) throughout the country.

To promote the interest of rural artisans, the Government has decided to take up development of 39 clusters with an approximate cost of Rs. 60 crore benefiting more than 10,000 artisans.

The Government appears cognizant of the ground situation and in his narrative on the Budget proposals, The MSME Minister Mishra

says the Government is very keen to strengthen economic activities in rural pockets and with this purpose a sum of Rs. 100 crore has been earmarked under the Scheme for Promotion of Innovation in Rural Industries and Entrepreneurship which will be utilized to set up of 45 LBIs (livelihood business incubators) and 25 TBIs (Technology business incubators). For both SFURTI and ASPIRE, a web based application and monitoring system will also be designed and implemented.

Officials visualize Village Industries production is expected to cross Rs. 45,000 crore during 2016-17, creating employment for more than 163 lakh persons.

A sum of Rs. 43.56 crore has been allotted to take the Coir products to the lavel of 5.5 lakh metric tonnes and create employment for more than 7.25 lakh persons and exports of more than Rs. 1,500 crore. Ni-(National Institute) of MSME plans to come up with MSME Clinic concept.Illustration by : Neeraj Bajpai

Special Article

31April, 2016

Various experts on the different aspects of the working of MSMEs will be brought under one roof for providing one stop facilities to the MSMEs. A Rs. 500 crore has been provided for promoting entrepreneurship among SC/ST to become job providers rather than job seekers. This will benefit at least 2.5 lakh entrepreneurs.

The Government has also proposed to constitute a National Scheduled Caste and Scheduled Tribe Hub in the MSME ministry in partnership with Industry associations. This Hub will provide professional support to Scheduled Caste and Scheduled Tribe entrepreneurs to fulfill the obligations under the Central Government Procurement Policy, 2012, adopt global best practices and leverage the Stand Up India initiative.

Informatively, To give a fillip to the MSME sector the Government has proposed favorable tax incentives like increased turnover limit under Presumptive taxation scheme under Section 44 AD of the Income Tax Act from existing Rs. 1.00 crore to Rs. 2.00 crores, 100% deduction of profits for 3 out of 5 years for Start Ups set up during April, 2016 to March, 2019 and waiving of Capital gains tax if investment in regulated / notified Fund of Funds.

The Budget proposals also entails many other programmes like to promote entrepreneurship skills among the next generation, The Government has also proposed to give Entrepreneurship Education and Training through Massive Open Online Courses.

This Training will be provided in 2,200 colleges, 300 schools, 500 Government and 50 Vocational Training Centers through Massive Open Online Courses. Aspiring entrepreneurs, particularly those from remote parts of the country, will be connected to mentors and credit markets.

During 2012-13, 2013-14 and 2014-15, the Budgetary allocations to the Ministry of Micro, Small & Medium Enterprises (MSMEs) for implementation of various schemes/ programmes for promotion and development of MSMEs were

Rs. 2,835.00 crore, Rs. 2,977.00 crore, and Rs. 3,327.00 crore, respectively.

Minister of state for MSME Shri Giriraj Singh, before this year budget, had said allocations can be termed as adequate after taking into account the requirement of funds for promotion and development of MSME schemes, the availability of resources and the trend of the expenditure in the recent past,

Experts feel many MSME units lag behind in machinery, manpower, adequate finances. The Quality Council of India, sources say, has taken up the pilot project to assess the sector vis-a-vis international standards.

Prime Minister has mooted the concept of Zero effect and Zero defect to ensure that the environment is not badly affected by these units as well as the products should not be returned from the international markets. Goods should be defect free.

According to official sources, The MSME has been implementing various schemes / programmes to make products of MSMEs compete with imports and help the Micro, Small and Medium Enterprises for effectively competing with imports from China and other countries.

Some of these schemes / programmes include National Manufacturing Competitiveness Programme (NMCP), Credit Guarantee Scheme, Credit Linked Capital Subsidy Scheme, Cluster Development Programme, Market Development Assistance Scheme and Vendor Development Programme for Ancillarisation. These schemes / programmes help MSMEs growth and increase their competitiveness to challenge cheap Chinese imports in the country.

The Ministry of MSME has been implementing several schemes and programmes to incentivize MSMEs to expand their potential. Major schemes / programmes are Assistance to Training Institute (ATI Scheme), Prime Ministers' Employment Generation Programme (PMEGP), A Scheme for Innovation of Promotion of Innovation, Entrepreneurship

Special Article


and Agro Industry (ASPIRE), Scheme of Fund for Regeneration of Traditional Industries (SFURTI), NMCP etc.

The growing MSME sector reminds one of noted British Economist Leopold Kohr who talked about small is beautiful concept in economy and had opposed the notion that the “growth is good “and that “bigger is better”. He had advocated for production by the masses rather than mass production in developing countries. His disciple , Economist E.F. Schumacher, an Austrain who had later migrated to America ,used his guide’s concept and wrote famous and highly saleable book “Small is beautiful - Study of Economy as If people matter” and had dwelt at length about the cult of bigness.

The Ministry has undertaken measures to simplify the procedure for registration of MSMEs through Udyog Aadhaar Memorandum (UAM) as a part of ease of doing business. This replaces the earlier lengthy and cumbersome procedure for filing Entrepreneurs Memorandum (Part-I and Part-II). This has facilitated the formalization of unregistered sector with the increasing pace of registration of MSMEs. Since inception of UAM since September 18, 2015, more than 2.4 lakh units have been registered.

During the last financial year, under PMEGP, Rs. 657.84 crore margin money has been utilized for setting up of 29,174 projects and providing employment to 2.11 lakh persons. Twelve SFURTI clusters under Khadi and Village Industries categories have been granted final approval for projects costing Rs. 17.69 crore. Assistance under SFURTI amounting to Rs. 14.82 crore has been sanctioned out of which Rs. 7.94 crore has been released benefiting around 5,700 artisans. Government recently decided implement a “Stand Up India Scheme” to promote entrepreneurship among Scheduled Caste/Schedule Tribe and Women.

The Scheme provides for composite loans by banks between Rs. 10 lakh and upto Rs. 100 lakh, inclusive of working capital component for setting up a new enterprise. These loans would be

eligible for refinance and credit guarantee cover, according to Shri Jayant Sinha, Minister of State in the Ministry of Finance.

The Government announced a raft of programmes in the General Budget 2016-17 to promote the industrial climate and back up Make in India campaign Mr Jaitly said that customs and excise duty structure plays an important role in incentivizing domestic value addition towards Make in India campaign.

He proposed to make suitable changes in customs and excise duty rates on certain inputs, raw materials, intermediaries and components and certain other goods and simplify procedures so as to reduce costs and improve competitiveness of domestic industry in sectors like Information Technology hardware, capital goods, defense production, textiles, mineral fuels & mineral oils, chemicals and petrochemicals, paper, paperboard & newsprint, Maintenance repair and overhauling of air crafts and ship repair, etc.

Such steps, say experts, would play a major role in boosting the MSME ecosystem too besides giving over all thrust to the industrial growth .

Another major boost to the sector will come from skilled hands as the schemes are implemented to give a major fillip to the skill development plans. The Government has decided to set-up 1500 Multi Skill Training Institutes across the country for which Rs 1,700 crore has been set aside in the Budget 2016-17. According to Mr Jaitley,it is the endeavour of the Government to bring entrepreneurship to the doorstep of youth through Pradhan Mantri Kaushal Vikas Yojana (PMKVY).

The Finance Minister said that Skill India Mission seeks to capitalize India’s demographic advantage. Since its launch, the National Skill Development Mission has created an elaborate skilling eco-system and imparted training to 76 lakh youth. He said that we have decided to set-up a National Board for Skill Development Certification in partnership with the industry and academia . The government plans to further scale- up Pradhan

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33April, 2016

Mantri Kaushal Vikas Yojana to skill one crore youth over the next three years, the Minister said.

If the government ambitious plan to skill one crore youth during next three years materlises on the ground,it would help increase productivity and over all production in the industrial sector.

A mid concerns of shortage of skilled hands, the government has said that Entrepreneurship, Education and training will be provided in 2200 colleges, 300 schools, 500 government ITIs and 50 Vocational Training Centres through Massive Open Online Courses. Aspiring entrepreneurs, particularly those from remote parts of the country, will be connected to mentors and credit markets.

In another important announcement, Mr Jaitley said that in order to incentivize creation of new jobs in the formal sector, Government will pay the Employee Pension Scheme contribution of 8.33% for all new employees enrolling in EPFO for the first three years of their employment. The Scheme will be applicable to those with salary up to Rs. 15,000 per month and a budget provision of Rs. 1000 crore has been made for that.

The Finance Minister stated that the prevailing economic scenario across the world is challenging and this year’s Budget was prepared and presented at a time of unusual volatility in the international economic market. Markets are fearful that the global recovery may be faltering. Against this grim background, India stands-out as a haven of stability and opportunity.

According to him, Country’s macro-economy is stable, founded on the government’s commitment of fiscal consolidation and low inflation. Its economic growth is amongst the highest in the world. These achievements are remarkable because they have been accomplished in the face of weak export demand and a second successive season of poor rainfall. The task now is to sustain them in an even more difficult global environment. This will require sound economic management.

The Finance Minister said in the economic

survey that start up India is a flagship initiative to build a strong ecosystem for nurturing innovation, driving sustainable economic growth and generating large-scale employment opportunities.

Apart from the technology sector the start-up movement will extend to a wide array of other sectors including agriculture, manufacturing, healthcare and education, and from existing tier 1 cities will extend to tier 2 and tier 3 cities.

The Survey says that supply side bottlenecks, infrastructural and structural constraints hindering the achievement of medium-term growth and job creation, are being addressed on priority basis.

Programmes-Make in India, Ease of Doing Business, Skill India, Startup India and reforms in various industrial and infrastructure sectors are some of the major initiatives in the direction of attracting more investment to ensure high industrial growth. Make in India and Ease of doing business in India are focusing on more and faster industrial growth while Startup India aims at nurturing an entrepreneurial mind set among youth in an in inclusive manner.

In a major thrust to growth to the MSME,The Government has also decided to relax the norms for Startup MSMEs. According to the decision, if the MSMEs can deliver the goods and services as per prescribed technical & quality specifications, the norms on prior experience and prior turnover will be relaxed for them. This will help the Startup MSMEs to take part in the mandatory 20% public procurement from MSMEs.

To ensure better implementation of Quality Management Standard/Quality Technology Tools scheme under the NMCP , MSME Ministry will hold two International Study Missions in collaboration with Confederation of Indian Industry and Consultancy Development Corporation during the next two years. Experts feel if all these programmes were pushed across the country and states’ participation-there would be massive growth in the employment and industrial production.

–Writer is a Senior Journalist based in Delhi.

Special Article


State/UT-wise details of Target and Achievement in respect of Employment Generation under PMEGP for the years 2013-14 & 2014-15

Sl. No.

State/UT 2013-14 2014-15

Target Achievement Target Achievement

2 Himachal Pradesh 11848 5188 11664 63523 Punjab 18816 7629 18692 64384 Chandigarh (UT) 1664 385 1592 1605 Haryana 19640 5866 19408 70246 Delhi 7944 1136 7880 15847 Rajasthan 35936 13471 35160 150028 Uttarakhand 13096 7335 12864 78899 Uttar Pradesh 85096 44044 82784 48604

10 Chhattisgarh 22112 6106 21488 582111 Madhya Pradesh 54672 19442 53472 2189612 Sikkim 3984 255 3800 5413 Arunachal Pradesh 13872 6570 13616 287114 Nagaland 11360 4373 10768 240715 Manipur 9984 5277 9328 82916 Mizoram 7744 5050 7432 673617 Tripura 6440 9074 5680 633318 Meghalaya 8280 1386 7656 368019 Assam 36456 29332 32984 1553520 Bihar 51040 20013 49352 924021 West Bengal 26368 24189 25392 2464622 Jharkhand 29096 13062 28288 849523 Odisha 36088 16653 35096 1021124 A & N Islands 3752 654 3640 79025 Gujarat (*) 29072 14777 28520 1810726 Maharashtra(**) 41248 20183 40216 2831127 Goa 2824 412 2728 40628 Andhra Pradesh 29104 18200 16192 1222029 Telangana 0 0 12040 660430 Karnataka 30512 25752 29984 2182531 Lakshadweep 3584 8 3360 9332 Kerala 14912 11507 14608 973833 Tamil Nadu 33096 29107 32480 3619034 Puducherry 4816 170 4680 386

GRAND TOTAL 725376 378907 703492 357502

* including Daman&diu ** including Dadra & N. Haveli nTable by : Neeraj Bajpai

Feature

35April, 2016

Micro, Small and Medium Enterprises (MSMEs), despite the important role played by them in the economic fabric

of the country, continue to face constraints in obtaining adequate finance, particularly in terms of their ability to convert their trade receivables into liquid funds. In order to address this pan-India issue through setting up of an institutional mechanism for financing trade receivables, the Reserve Bank of India had published a concept paper on “Micro, Small & Medium Enterprises (MSME) Factoring-Trade Receivables Exchange” in March 2014.

2. Based on the public comments received on the concept paper and the subsequent draft guidelines issued for setting up and operating the system, and interactions held with relevant stakeholders, the following guidelines are being issued for setting up and operating the trade receivables system in the country.

Scheme

3. The scheme for setting up and operating the institutional mechanism for facilitating the financing of trade receivables of MSMEs from corporate and other buyers, including Government Departments and Public Sector Undertakings (PSUs), through multiple financiers will be known as Trade Receivables Discounting System (TReDS).

4. The TReDS will facilitate the discounting of both invoices as well as bills of exchange. Further, as the underlying entities are the same (MSMEs and corporate and other buyers, including Government

Trade Receivables Discounting System (TReDS)

Departments and PSUs), the TReDS could deal with both receivables factoring as well as reverse factoring so that higher transaction volumes come into the system and facilitate better pricing.

5. The transactions processed under TReDS will be “without recourse” to the MSMEs.

Definitions

6. For the purpose of the Scheme, notwithstanding any other definition used in any other context, scheme, law or document, the following definitions are used:

a) Factoring unit - a standard nomenclature used in the TReDS for an invoice or a bill on the system. Factoring Units may be created either by the MSME seller (in the case of factoring) or by corporate and other buyers, including Government Departments and PSUs, (in case of reverse factoring) as the case may be.

b) Financier – refers to a bank as well as an NBFC factor participating in the

Participants

7. MSME sellers, corporate and other buyers, including the Government Departments and PSUs, and financiers (both banks and NBFC factors) will be direct participants in the TReDS. The TReDS will provide the platform to bring these participants together for facilitating uploading, accepting, discounting, trading and settlement of the invoices / bills of MSMEs. The bankers of sellers and buyers may

The process flow of the TReDS has to enable at the minimum, the uploading of invoices/bills and creation of factoring units by the MSME sellers; its acceptance by the corporate and other buyers, including the Government Departments and PSUs, within a specified time limit; discounting, rating and re-discounting of factoring units; sending of notifications at each stage to the relevant parties to the transaction; reporting and MIS requirements; and finally, generation and submission of settlement of obligations.

Feature


be provided access to the system, where necessary, for obtaining information on the portfolio of discounted invoices / bills of respective clients. The TReDS may tie up with necessary technology providers, system integrators and entities providing dematerialisation services for providing its services.

Process flow and procedure

The objective of the TReDS is to facilitate financing of invoices / bills of MSMEs drawn on corporate and other buyers, including the Government Departments and PSUs, by way of discounting by financiers. To enable this, the TReDS has to put in place suitable mechanism whereby the invoice / bill is converted into ‘factoring unit’.

In the first phase, the TReDS would facilitate the discounting of these factoring units by the financiers resulting in flow of funds to the MSME with final payment of the factoring unit being made by the buyer to the financier on due date. In the second phase, the TReDS would enable further discounting / re-discounting of the discounted

factoring units by the financiers, thus resulting in its assignment in favour of other financiers.

The process flow of the TReDS has to enable at the minimum, the uploading of invoices/bills and creation of factoring units by the MSME sellers; its acceptance by the corporate and other buyers, including the Government Departments and PSUs, within a specified time limit; discounting, rating and re-discounting of factoring units; sending of notifications at each stage to the relevant parties to the transaction; reporting and MIS requirements; and finally, generation and submission of settlement of obligations. In case of reverse factoring, the buyer could also create factoring units based on the documents uploaded by the MSME seller.

Of the 7 applicants who applied to RBI, three have been given in – principle approval to set up and operate TReDS. These are (1) NSICL and SIDBI Mumbai (2) Axis Bank Mumbai (3) Mynd Solutions Pvt. Ltd. Gurgaon. n

– Inputs by Rachna Dikshit, GM, RBI

Budget : SC and ST Cell establishedBudget has mentioned about SC/ST hub. Subsequent to the announcement, suggestions have

been sought from State Govts. in this regard. Meeting has been held with CPSUs. A Scheduled Caste and Scheduled Tribe Cell is established in the Office of the Development Commissioner, (MSME), Ministry of Micro, Small & Medium Enterprises with immediate effect vide its Order No. 10(09)/2016-Coord dated 08.03.2016.

Text of the Order : In pursuance of Hon'ble Finance Minster's Budget Speech, a Scheduled Caste and Scheduled Tribe Cell is hereby established in the Office of the Development Commissioner, Ministry of Micro, Small & Medium Enterprises with immediate effect. The Terms of Reference of the Cell would be as under:-

1. Area of operation of the SCSP component and TSP component in the budgetary provisions of the Ministry and its monitoring.

2. Sponsoring of applications for stand up under PMEGP.

3. Avenues for SC/ST entrepreneurs under the Public Procurement Policy.

4. SC/ST entrepreneurs would be encouraged to register under Udyog Aadhar.

5. SC/ST entrepreneurs would be encouraged to register products and goods manufactured by them.

6. Their likely inclusion in the CPSU Vendor Development Workshops.

The Cell would be manned by a Deputy Director and an Assistant Director and they would report to Additional Industrial Advisor.

37April, 2016

Framework

Introduction

In order to provide a simpler and faster mechanism to address the stress in the accounts of MSMEs and to facilitate the promotion and development of MSMEs, the Ministry of Micro, Small and Medium Enterprises, Government of India, vide their Gazette Notification dated May 29, 2015 had notified a ‘Framework for Revival and Rehabilitation of Micro, Small and Medium Enterprises’. However, certain changes in the captioned framework have been carried out in consultation with the Government of India, Ministry of MSME in order to make it compatible with the existing regulatory guidelines on ‘Income Recognition, Asset Classification and provisioning pertaining to Advances’ issued to banks by RBI. Accordingly, a revised Framework along with operating instructions is furnished in the Annex. The Board approved policy to operationalize the Framework may be put in place by the banks not later than June 30, 2016.

While the prudential norms on Income Recognition, Asset Classification and Provisioning pertaining to Advances will continue to be as per the instructions consolidated in the Master Circular on IRAC Norms dated July 1, 2015 and as updated from time to time, the revival and rehabilitation of MSMEs having loan limits up to Rs. 25 crore will be in terms of these operating instructions. Restructuring of loan accounts with exposure of above Rs. 25 crore will continue to be governed by the extant guidelines on Corporate Debt Restructuring (CDR)/ Joint Lenders’ Forum (JLF) mechanism.

The revised Framework supersedes earlier Guidelines on Rehabilitation of Sick Micro and Small Enterprises issued vide our circular RPCD. CO. MSME & NFS.BC.40/06.02.31/2012-2013 dated November 1, 2012, except those relating to Reliefs and Concessions for Rehabilitation of

Framework for Revival and Rehabilitation of Micro, Small and Medium Enterprises (MSMEs)

Potentially Viable Units and One Time Settlement, mentioned in the said circular.

Banks should continue to report credit information and SMA status of all accounts above the cut-off exposure of Rs.5 crore and above to the Central Repository for Information on Large Credit (CRILC), as per extant instructions.

Annex

Framework for Revival and Rehabilitation of Micro, Small and Medium Enterprises

1. Eligibility:

The provisions made in this framework shall be applicable to MSMEs having loan limits up to Rs.25 crore, including accounts under consortium or multiple banking arrangement (MBA).

2. Identification of incipient stress

2.1 Identification by banks or creditors – Before a loan account of a Micro, Small and Medium Enterprise turns into a Non-Performing Asset (NPA), banks or creditors should identify incipient stress in the account by creating three sub-categories under the Special Mention Account (SMA) category as given in the Table below:

SMA Sub-categories Basis for classification

SMA-0 Principal or interest payment not overdue for more than 30 days but account showing signs of incipient stress (Please see Annex - I)

SMA-1 Principal or interest payment overdue between 31-60 days

SMA-2 Principal or interest payment overdue between 61-90 days

On the basis of the above early warning


Framework

signals, the branch maintaining the account should consider forwarding the stressed accounts with aggregate loan limits above Rs. 10 lakh to the Committee as referred in para 3.3 within five working days for a suitable corrective action plan (CAP). Forwarding the account to the Committee for CAP will be mandatory in cases of accounts reported as SMA-2.

2.2 As regards accounts with aggregate loan limits up to Rs. 10 lakh identified as SMA-2, the account should be mandatorily examined for CAP by the branch itself under the authority of the branch manager / such other official (hereinafter referred to as ‘designated official’) as decided by the bank in terms of their Board approved policy. Other terms and conditions, such as time limits, procedures to be followed, etc., as applicable to the cases referred to the Committee as referred in para 3.3, should be followed by the branch manager / designated official. However, the cases, where the branch manager / designated official has decided the option of recovery under CAP instead of rectification or restructuring as mentioned in para 5.3 (a) or (b), should be referred to the Committee for their concurrence. Banks, with the approval of their Boards should frame a suitable policy in this regard as given in para 3.4. The branch manager / designated official should also examine the accounts reported as SMA-0 and SMA-1, if it is deemed necessary.

2.3 Identification by the Borrower Enterprise – Any MSME borrower may voluntarily initiate proceedings under this Framework, if the enterprise reasonably apprehends failure of its business or its inability or likely inability to pay debts or there is erosion in the net worth due to accumulated losses to the extent of 50% of its net worth during the previous accounting year, by making an application to the branch or directly to the Committee as referred in para 3.3, wherever applicable.. When such a request is received by lender, the account with aggregate loan limits above Rs. 10 lakh should be referred to the Committee. The Committee should convene its meeting at the earliest but not later than five working days

from the receipt of the application, to examine the account for a suitable CAP. The accounts with aggregate loan limit up to Rs. 10 lakh may be dealt with by the branch manager / designated official for a suitable CAP.

3. committees for Stressed Micro, Small and Medium Enterprises:

In order to enable faster resolution of stress in an MSME account, every bank shall form Committees for Stressed Micro, Small and Medium Enterprises as per the following arrangements:

3.1 All banks having exposure towards MSME sector shall constitute a Committee at each District where they are present or at Division level or Regional Office level, depending upon the number of MSME units financed in the region. These Committees will be Standing Committees and will resolve the reported stress of MSME accounts of the branches falling under their jurisdiction.

3.2 For MSME borrowers having credit facilities under a consortium of banks or multiple banking arrangement (MBA), the consortium leader, or the bank having the largest exposure to the borrower under MBA, as the case may be, shall refer the case to its Committee, if the account is reported as stressed either by the borrower or any of the lenders under this Framework. This Committee will also coordinate between the different lenders.

3.3 The Composition of the Committee shall be as under:

(a) The regional or zonal head of the convener bank, shall be the Chairperson of the Committee;

(b) Officer-in-charge of the Micro, Small and Medium Enterprises Credit Department of the convener bank at the regional or zonal office level, shall be the member and convener of the Committee;

(c) One independent external expert with expertise in Micro, Small and Medium Enterprises related matters to be nominated by bank.

39April, 2016

Framework

(d) One representative from the concerned State Government. Endeavour should be made to bring representative from the respective State Government in the Committee. In case State Government does not nominate any member, then the convening bank should proceed to include an independent expert in the Committee, namely a retired executive of another bank of the rank of AGM and above.

(e) When handling accounts under consortium or MBA, senior representatives of all banks / lenders having exposure to the borrower.

3.4 Banks, with the approval of their Boards, should frame a policy, based on these instructions, on the composition of the Committee, the terms of appointment of its members, the manner of filling vacancies, and the procedure to be followed in the discharge of the Committee’s functions. While decisions of the Committee will be by simple majority, the Chairperson shall have the casting vote, in case of a tie. In case of accounts under consortium / MBA, lenders should sign an Inter-Creditor Agreement (ICA) on the lines of Joint Lenders’ Forum (JLF) Agreement. Banks may put in place suitable arrangements, including dedicated manpower, to ensure smooth functioning of the Committee and adherence to the stipulated timelines.

3.5 All eligible stressed MSMEs shall have access to the Committee for resolving the stress in these accounts in accordance with regulations prescribed in this Framework.

3.6 Provided that where the Committee decides that recovery is to be made as part of the CAP, the manner and method of recovery shall be in accordance with the existing policies approved by the board of directors of the bank which has extended credit facilities to the enterprise, subject to any regulations prescribed by the Reserve Bank of India and extant statutory requirements.

4. Application to the committee for a corrective Action Plan

4.1 Any lender on identifying an MSME account as SMA-2 or suitable for consideration under the Framework or on receipt of an application from the stressed enterprise, shall forward the cases having aggregate loan limits above Rs. 10 lakh to the Committee for immediate convening of meeting and deciding on a CAP. Stressed enterprises having aggregate loan limits above Rs. 10 lakh can also directly file an application for CAP to the Committee or to the largest lender for onward submission under advice to all its lenders. The Indian Banks’ Association (IBA) may prescribe suitable application formats for aggregate loan limits above Rs. 10 lakh, for this purpose, which, inter-alia, should include the following:

(a) Latest audited accounts of the Enterprise including its Net worth;

(b) Details of all liabilities of the enterprise, including the liabilities owed to the State or Central Government and unsecured creditors, if any;

(c) Nature of stress faced by the Enterprise; and

(d) Suggested remedial actions

The Indian Banks’ Association (IBA) may also prescribe suitable formats for aggregate loan limits up to Rs.10 lakh.

4.2 Where an application is filed by a bank / lender and admitted by the Committee, the Committee shall notify the concerned enterprise about such application within five working days and require the enterprise to:

(a) respond to the application or make a representation before the Committee; and

(b) disclose the details of all its liabilities, including the liabilities owed to the State or Central Government and unsecured creditors, if any, within fifteen working days of receipt of such notice;


Framework

Provided that if the enterprise does not respond within the above period, the Committee may proceed ex-parte.

4.3 On receipt of information relating to the liabilities of the enterprise, the Committee may send notice to such statutory creditors as disclosed by the enterprise as it may deem fit, informing them about the application under the Framework and permit them to make a representation regarding their claims before the Committee within fifteen working days of receipt of such notice. It is mentioned here that these information are required for determining the total liability of the Enterprise in order to arrive at a suitable CAP and not for payments of the same by the lenders.

4.4 Within 30 days of convening its first meeting for a specific enterprise, the Committee shall take a decision on the option to be adopted under the corrective action plan as given in subsequent paragraphs and notify the enterprise about such a decision, within five working days from the date of such decision.

4.5 If the corrective action plan decided by the Committee envisages restructuring of the debt of the enterprise, the Committee shall conduct the detailed Techno-Economic Viability (TEV) study (also refer para 5.1) and finalise the terms of such a restructuring in accordance with the extant prudential norms for restructuring, within 20 working days (for accounts having aggregate exposure up to Rs. 10 crore) and within 30 working days (for accounts having aggregate exposure above Rs. 10 crore and up to Rs. 25 crore) and notify the enterprise about such terms, within five working days.

4.6 Upon finalisation of the terms of the corrective action plan, the implementation of that plan shall be completed by the concerned bank within 30 days (if the CAP is Rectification) and within 90 days (if the CAP is restructuring). In case recovery is considered as CAP, the recovery measures should be initiated at the earliest.

4.7 Where an application has been admitted by the Committee in respect of an MSME, the

enterprise shall continue to perform contracts essential to its survival but the Committee may impose such restrictions, as it may deem fit, for future revival of the enterprise.

4.8 The Committee shall make suitable provisions for payment of tax or any other statutory dues in the corrective action plan and the enterprise shall take necessary steps to submit such plan to the concerned taxation or statutory authority and obtain approval of such payment plan.

5. corrective Action Plan by the committee

5.1 The Committee may explore various options to resolve the stress in the account. The Committee shall not endeavour to encourage a particular resolution option and may decide the CAP as per the specific requirements and position of each case. While Techno-Economic viability of each account is to be decided by the concerned lender/s before considering restructuring as CAPs, for accounts with aggregate exposure of Rs.10 crore and above, the Committee should conduct a detailed Techno-Economic Viability study before finalising the CAP.

5.2 During the period of operation of CAP, the enterprise shall be allowed to avail both secured and unsecured credit for its business operations as envisaged under the terms of CAP.

5.3 The options under CAP by the Committee may include:

(a) Rectification:– Obtaining a commitment, specifying actions and timelines, from the borrower to regularise the account so that the account comes out of Special Mention Account status or does not slip into the Non-Performing Asset category and the commitment should be supported with identifiable cash flows within the required time period and without involving any loss or sacrifice on the part of the existing lenders. The rectification process should primarily be borrower driven. However, the Committee may also consider providing

41April, 2016

Framework

need based additional finance to the borrower, if considered necessary, as part of the rectification process. It should however be ensured that this need based additional finance is intended only for meeting, in exceptional cases, unavoidable increased working capital requirement. In all cases of additional finance for working capital, any diversion of funds will render the account as NPA. Further, such additional finance should ordinarily be an ad-hoc facility to be repaid or regularised within a maximum period of six months. Additional finance for any other purpose, as also any roll-over of existing facilities, or funding not in compliance with the above conditions, will tantamount to restructuring. Further, repeated rectification with funding, within the space of one year, will be treated as a restructuring and no additional finance should be sanctioned under CAP, in cases where the account has been reported as fraud by any lender.

(b) Restructuring:– Consider the possibility of restructuring the account, if it is prima facie viable and the borrower is not a wilful defaulter, i.e., there is no diversion of funds, fraud or malfeasance, etc. Commitment from promoters for extending their personal guarantee along with their net worth statement supported by copies of legal titles to assets may be obtained along with a declaration that they would not undertake any transaction that would alienate assets without the permission of the Committee. Any deviation from the commitment by the borrowers affecting the security or recoverability of the loan may be treated as a valid factor for initiating recovery process. The lenders in the Committee may sign an Inter-Creditor Agreement and also require the borrower to sign the Debtor-Creditor Agreement which would provide the legal basis for any restructuring

process. The IBA may prepare formats for this purpose on the lines of formats used by the Corporate Debt Restructuring mechanism for Inter-Creditor Agreement and Debtor-Creditor Agreement. Further, a stand-still clause (as defined in extant guidelines on Restructuring of Advances) may be stipulated in the Debtor-Creditor Agreement to enable a smooth process of restructuring. The stand-still clause does not mean that the borrower is precluded from making payments to the lenders. The Inter-Creditor Agreement may also stipulate that both secured and unsecured creditors need to agree to the final resolution.

(c) Recovery:– Once the first two options at (a) and (b) above are seen as not feasible, due recovery process may be resorted to. The Committee may decide the best recovery process to be followed, among the various legal and other recovery options available, with a view to optimizing the efforts and results.

6. The decisions agreed upon by a majority of the creditors (75% by value and 50% by number) in the Committee would be considered as the basis for proceeding with the restructuring of the account, and will be binding on all lenders under the terms of the Inter-Creditor Agreement. If the Committee decides to proceed with recovery, the minimum criteria for binding decision, if any, under any relevant laws or Acts shall be applicable.

7. Time-lines

Detailed time-lines are given for carrying out various activities under the Framework. If the Committee is not able to decide on CAP and restructuring package due to non-availability of information on statutory dues of the borrower, the Committee may take additional time not exceeding 30 days for deciding CAP and preparing the restructuring package. However, they should not wait beyond this period and proceed with CAP.


Framework

8. Additional Finance

8.1 If the Committee decides that the enterprise requires financial resources to restructure or revive, it may draw up a plan for provision of such finance. Any additional finance should be matched by contribution by the promoters in appropriate proportion, and this should not be less than the proportion at the time of original sanction of loans. Additional funding provided under restructuring / rectification as part of the CAP will have priority in repayment over repayment of existing debts. Therefore, instalments of the additional funding which fall due for repayment will have priority over the repayment obligations of the existing debt.

8.2 If the existing promoters are not in a position to bring in additional funds the Committee may allow the enterprise to raise secured or unsecured loans.

8.3 Provided further, that the Committee may, with the consent of all creditors recognized, provide such loans higher priority than any existing debt.

9. If the Committee decides on options of either ‘Rectification’ or ‘Restructuring’, but the account fails to perform as per the agreed terms under these options, the Committee shall initiate recovery under option 5.3(c).

10. Restructuring by the committee

10.1 Eligibility

(a) Restructuring cases shall be taken up by the Committee only in respect of assets reported as Standard, Special Mention Account or Sub-Standard by one or more lenders of the Committee.

(b) However, the Committee may consider restructuring of the debt, where the account is doubtful with one or two lender/s but it is Standard or Sub-Standard in the books of majority of other lenders (by value).

(c) Wilful defaulters shall not be eligible for restructuring. However, the Committee

may review the reasons for classification of the borrower as a wilful defaulter and satisfy itself that the borrower is in a position to rectify the wilful default. The decision to restructure such cases shall have the approval of the Board of concerned bank within the Committee who has classified the borrower as wilful defaulter.

(d) Cases of Frauds and Malfeasance remain ineligible for restructuring. However, in cases of fraud / malfeasance where the existing promoters are replaced by new promoters and the borrower company is totally delinked from such erstwhile promoters / management, banks and the Committee may take a view on restructuring of such accounts based on their viability, without prejudice to the continuance of criminal action against the erstwhile promoters / management. Further, such accounts may also be eligible for asset classification benefits available on refinancing after change in ownership, if such change in ownership is carried out under guidelines contained in circular DBR.BP.BC.No.41/21.04.048/2015-16 dated September 24, 2015 on “Prudential Norms on Change in Ownership of Borrowing Entities (Outside Strategic Debt Restructuring Scheme)”. Each bank may formulate its policy and requirements as approved by the Board, on restructuring of such assets.

10.2 Viability

(a) The viability of the account shall be determined by the Committee based on acceptable viability benchmarks determined by them.

(b) The parameters may, inter-alia, include the Debt Equity Ratio, Debt Service Coverage Ratio, Liquidity or Current Ratio, etc.

43April, 2016

Framework

10.3 Conditions relating to Restructuring under the Framework

(1) Under this Framework, the restructuring package shall stipulate the timeline during which certain viability milestones such as improvement in certain financial ratios after a period of 6 months may be achieved.

(2) The Committee shall periodically review the account for achievement / non-achievement of milestones and shall consider initiating suitable measures including recovery measures as deemed appropriate.

(3) Any restructuring under this Framework shall be completed within the specified time periods.

(4) The Committee shall optimally utilize the specified time periods so that the aggregate time limit is not breached under any mode of restructuring.

(5) If the Committee takes a shorter time for an activity as against the prescribed limit, then it can have the discretion to utilize the saved time for other activities provided the aggregate time limit is not breached.

(6) The general principle of restructuring shall be that the stakeholders bear the first loss of the enterprise rather than the lenders. In the case of a company, the Committee may consider the following options, when a loan is restructured:

(a) Possibility of transferring equity of the company by promoters to the lenders to compensate for their sacrifices;

(b) Promoters infusing more equity into their companies;

(c) Transfer of the promoters’ holdings to a security trustee or an escrow arrangement

till turnaround of enterprise to enable a change in management control, if lenders favour it.

(7) In case a borrower has undertaken diversification or expansion of the activities which has resulted in the stress on the core-business of the group, a clause for sale of non-core assets or other assets may be stipulated as a condition for restructuring the account, if under the Techno-Economic Viability study, the account is likely to become viable on hiving off of non-core activities and other assets.

(8) For restructuring of dues in respect of listed companies, lenders may be, ab-initio, compensated for their loss or sacrifice (diminution in fair value of account in net present value terms) by way of issuance of equities of the company upfront, subject to the extant regulations and statutory requirements.

(9) If the lenders’ sacrifice is not fully compensated by way of issuance of equities, the right of recompense clause may be incorporated to the extent of shortfall.

(10) In order to distinguish the differential security interest available to secured lenders, partially secured lenders and unsecured lenders, the Committee may consider various options, such as:

(a) prior agreement in the Inter-Creditor Agreement among the above classes of lenders regarding repayments;

(b) a structured agreement stipulating priority of secured creditors;

(c) appropriation of repayment proceeds among secured, partially secured and unsecured lenders in certain pre-agreed proportion.


Framework

(11) The Committee shall, on request by the enterprise or any creditor recognised under paragraph 4.3, provide information relating to the proceeding as requested by the enterprise or such creditor.

10.4 Prudential Norms on Asset Classification and Provisioning

The extant asset classification and provisioning norms will be applicable for restructuring of accounts under this Framework.

11. Review

(1) In case the Committee decides that recovery action is to be initiated against an enterprise, such enterprise may request for a review of the decision by the Committee within a period of ten

working days from the date of receipt of the decision of the Committee.

(2) The request for review shall be on the following grounds:

(a) a mistake or error apparent on the face of the record; or

(b) discovery of new and relevant fact or information which could not be produced before the Committee earlier despite the exercise of due diligence by the enterprise.

(3) A review application shall be decided by the Committee within a period of thirty days from the date of filing and if as a consequence of such review, the Committee decides to pursue a fresh corrective action plan, it may do so.

Annex - I

SMA-0 Signs of StressIllustrative list of signs of stress for categorising an account as SMA-0:

1. Delay of 90 days or more in (a) submission of stock statement / other stipulated operating control statements or (b) credit monitoring or financial statements or (c) non-renewal of facilities based on audited financials.

2. Actual sales / operating profits falling short of projections accepted for loan sanction by 40% or more; or a single event of non-cooperation / prevention from conduct of stock audits by banks; or reduction of Drawing Power (DP) by 20% or more after a stock audit; or evidence of diversion of funds for unapproved purpose; or drop in internal risk rating by 2 or more notches in a single review.

3. Return of 3 or more cheques (or electronic debit instructions) issued by borrowers in 30 days on grounds of non-availability of balance/DP in the account or return of 3 or more bills / cheques discounted or sent under collection by the borrower.

4. Devolvement of Deferred Payment Guarantee (DPG) instalments or Letters of Credit (LCs) or invocation of Bank Guarantees (BGs) and its non-payment within 30 days.

5. Third request for extension of time either for creation or perfection of securities as against time specified in original sanction terms or for compliance with any other terms and conditions of sanction.

6. Increase in frequency of overdrafts in current accounts.7. The borrower reporting stress in the business and financials.

8. Promoter(s) pledging/selling their shares in the borrower company due to financial stress.

Success Story

45April, 2016

Under MSE-CDP Cluster Guide-lines MSME-DI, Nagpur identified Ready made Garment Cluster. Govt. of India,

Ministry of MSME, New Delhi has approved the Readymade Garment Cluster, in Nagpur in 14th Steering Committee Meeting of MSE-CDP 2007 for Softer Intervention at a total project cost of ` 10 lakhs. Subsequently, under the Hard Intervention programme, DPR has approved in 2012 for setting up of CFC at the total project cost of ` 1591 lakhs. The readymade Garment Cluster, Nagpur formed SPV namely Nagpur Garment Manufacturer’s Association under Indian Companies Act in 2007. The Cluster comprises 509 no. of units in Garment Sector located in Nagpur region. The present turnover of cluster is around Rs. 1000 Cr. & production Capacity is 150 lakhs pcs. per annum. The present employment is approx.10,000 no. of persons. The Govt. of India has released the amount of ` 538.98 lakhs & 300.00 lakhs in & I & II phase to MIDC upto 2014 for setting up of CFC.

The CFC has following 3 facilities & implantation is planned in 3 phases. vis. Computerized Embroidery, Washing & finishing, Skill training of Total project cost ` 1591.28 lakhs, in which Grant in aid of GOI is ` 1339.95 lakhs, & SPV contribution ` 251.33 lakhs.

The present status of cluster are as under-1) CFC Building 100% ready,1st Phase of procurement has completed by SPV with facilities like Computer Embroidery facility, Machineries & equipments worth of ` 732.12 lakhs has been installed & operationalised 2) The 2nd phase of machineries have procured & installed at the site with facilities like Washing & finishing. 3) Machineries worth ` 195.6487 were installed and it operationalised. The 3rd phase of machineries are yet to be finalized and purchase order has already issued for machineries worth ` 451.378 lakhs.3rd installment of balance payment is yet to be received 4) The CFC is to be fully operationalised by Mid 2016.

Ready Made Garment Cluster

The major benefits of cluster are 1) No. of unit is increased in cluster from 509 nos. to 673 nos. approximately. 2) The employment will be enhanced by 20% from present 3,000 no. of persons. 3) After intervention production capacity of cluster will increase by 25%. 4) The export turnover will increase from 6.00 Cr. to 7.5 Cr. approx. 5) Before intervention, no embroidery facilities was available in cluster & such activity was often pursued by hand manually which resulted resulted in shabby look & finish.

But after intervention, the setting up of computer embroidery machine in CFC has greatly benefited the cluster units members in following ways: Expenditure & turn time of embroidery goods has reduced as transport expenses & time is saved. Due to availability of High tech machines in embroidery, specialized embroidery like Sequin, cording, chain stitch is now possible in CFC at Nagpur and because of that value addition in product has become possible. Turnover of cluster firm has increased as they are now able to manufacture garments with value addition much faster than before.

The CFC is set to be fully operationalised soon in the mid of year 2016.This Success story contribute towards “Make in India”.

News


Shri Kalraj Mishra, Union Minister of MSME,

Government of India, inaugurated the Regional Conclave in Chandigarh for promotion of MSMEs in the region consisting of Punjab, Haryana, Uttarakhand, Himachal Pradesh, Jammu & Kashmir, Delhi & Chandigarh. Shri Manohar Lal Khattar, Chief Minister of Haryana and Shri Madan Mohan Mittal, Minister for Industry & Commerce, Punjab and senior officers from all other States also participated in the meeting.

Shri Kalraj Mishra highlighted the role of existing and new Technology Centres/ Tool Rooms for skill training and technical support to MSMEs. He mentioned that an amount of about Rs. 2200 crore will be incurred on creating new technology centres. Two Tool Rooms are functioning in Ludhiana & Jallandhar while 15 new Technology Centres would be set up with the assistance of World Bank including 4 in Baddi (H.P.), Rohtak (Haryana), Sitarganj (Uttarakhand) and Ghatti (J & K).

Shri Kalraj Mishra mentioned about the need for awareness about the MSME schemes. He highlighted the simplified online registration system of Udyog Aadhaar Memorandum and the over-whelming response that the Ministry is getting on the same.

He mentioned about the Framework for Revival & Rehabilitation of MSMEs notified by the Ministry. The importance of Public Procurement Policy Order 2012 being implemented by the Ministry was highlighted. A Review Committee under the Secretary, of MSME, Govt. of India monitors the implementation of the policy. Other initiatives of the Government like Start-up India and relaxation from prior turnover/ prior experience criteria for procurement was mentioned.

The Prime Minister’s Employment Generation Programme (PMEGP) provides margin money subsidy for setting up of micro enterprises for employment generation. Estimated employment generated through

MSMEs promotion reviewed in Chandigarhassisted projects under this scheme during 2014-15 were Haryana (7024); H.P. (6352); Jammu & Kashmir (11025); Punjab (6438); Uttarakhand (7889); Chandigarh (160); and Delhi (1584). For the country as a whole, more than 3.57 lakh job creation took place under PMEGP

in 2014-15.

New schemes like SFURTI and ASPIRE schemes have been launched. Under SFURTI, 67 DSR proposals have been approved; 22 Livelihood Business Incubators two Technology Business Incubators have been approved under ASPIRE. He requested the State Governments to send proposals under the ASPIRE / SFURTI schemes. He urged the State Governments to ensure implementation of public procurement policy and proper functioning of MSE Facilitation Councils for delayed payments. Chief Minister Haryana mentioned about major programmes launched by Hon’ble Prime Minister like Skill India, Digital India, Start-up India. He mentioned under their new Industrial Policy various sectors have been identified for investment, self-certification, third party verification, e-based single window system for ease of doing business.

Industry & Commerce Minister, Government of Punjab, mentioned the need for strengthening the District Industries Centres through various means. He further mentioned the Punjab Government has ensured more than 72% procurement from their public sector units.

Subsequently, the Union Minister of MSME also met several CPSUs of the region and discussed various issues on implementation of Public Procurement Policy Order, 2012 for Micro & Small Enterprises (MSEs). He urged them to fulfill the target of 20% of annual procurement from MSEs and 4% from SC/ST entrepreneurs. He also met various MSME associations to know about the various issues concerning MSMEs. n

News

47April, 2016

Shri Kalraj Mishra, Union Minister of MSME, Government of India, inaugurated the Regional Conclave at Dimapur for promotion of MSMEs in the

North Eastern Region comprising seven States of Arunachal Pradesh, Assam, Manipur, Meghalaya, Mizoram, Nagaland and Tripura, and also Sikkim.

Shri T. R. Zeliang, Chief Minister of Nagaland, Industry Ministers of Mizoram and Nagaland and senior officers from the participating States and the Ministry of MSME also participated in the meeting.

Shri Kalraj Mishra highlighted the role of existing and new Technology Centre/ Tool Room for skill training and technical support to MSMEs. He mentioned that an amount of about Rs. 2200 crore would be incurred on creating 15 new Technology Centre in the country with the assistance of World Bank and two of these Centre, one each in Manipur and Arunachal Pradesh, are proposed in the NER Region. He highlighted the simplified online registration system of Udyog Aadhaar Memorandum and the over-whelming response that the Ministry is getting on the same. More than 2.52 lakh UAMs have been registered so far. The UAMs registered in the participating States are as follows – Arunachal Pradesh (30), Assam (22), Manipur (882), Meghalaya (1), Mizoram (1), Nagaland (7), Sikkim (40) & Tripura (263). He congratulated the Ministry’s

MSMEs promotion reviewed in Dimapur, Nagaland

Shri Kalraj Mishra, Union Minister of Micro, Small & Medium Enterprises (MSME) emphasized on the need for using information technology for good governance and employment generation in MSME. While addressing the meeting of Senior Officers of the Ministry of MSME in New Delhi on 15th March, 2016, he expressed satisfaction that Udyog Aadhaar enabled Udyog Aadhaar Memorandum (UAM) is getting momentum among entrepreneurs and over 4000 UAMs are being filed every day.

Shri Kalraj Mishra, Union Minister of MSME and Shri Giriraj Singh, Minister of State for MSME met Senior Officers of Ministry of MSME today in continuation with Prime Minister’s remarks in concluding session of interaction with Group of Secretaries held on 21.01.2016. The Group of Secretary reports plan of action for Ministry of MSME shall be based on following presentations: I. Good Governance - Challenges and OpportunitiesII. Employment Generation Strategies

Good Governance and Employment Generation to Focus in MSMEIII. Farmer-Centric Initiatives in Agriculture and Allied

SectorsIV. Education and Health – Universal Access and

Quality V. Innovative Budgeting and Effective ImplementationVI. Accelerated Growth with Inclusion and EquityVII. Swachchh Bharat and Ganga Rejuvenation –

People’s Involvement and SustainabilityVIII. Energy Efficiency and Conservation.

Keeping in view the importance of Action Plan for high speed broadband connectivity on optical cable to all Gram Panchayats, proposed to be implemented by December, 2018, the Union Minister of MSME expressed desire to understand all the steps required for the implementation at ground level. Giving his concluding remarks during the presentation, Shri Mishra said that Information, Education and Communication plan of the Ministry should be finalized quickly so that entrepreneurs are aware of various norms and procedures of the Ministry.

officers for the Udyog Aadhaar Memorandum initiative and requested the participating States to widely publicise and implement this far reaching initiative that had significantly improved the ease of registering a MSME unit.

Ministry of MSME had recently launched a new scheme of ASPIRE to set up a network of technology and incubation centres to accelerate entrepreneurship and start-ups for innovation. So far, nine Livelihood Business Incubators have already been approved for the NER region and four additional LBIs are in the process of approval for the Region. Under the SFURTI scheme, 12 of the 67 approved proposals are in the NER region.

Hon’ble Union Minister appealed to the States to take proactive steps and encourage their agencies to bring forth larger numbers of proposals under various schemes. He reassured the States that the Union Government, especially the Ministry of MSME, would process their proposals expeditiously and render all possible assistance in their implementation. He urged the State Governments to ensure proper functioning of MSE Facilitation Councils to address and resolve the concerns of MSME units on delayed payments. Chief Minister of Nagaland expressed his gratitude to the Hon’ble Union Minister for agreeing to preside over the regional conclave at Dimapur. n

News


The Government is implementing the following schemes for bringing the rural industries under the ambit of the 'Make in India' programme:

(i) Prime Minister’s Employment Generation Programme (PMEGP) is a credit linked subsidy scheme, for setting up of new micro-enterprises and to generate employment opportunities in rural as well as urban areas of the country through Khadi & Village Industries Commission (KVIC), State Khadi & Village Industries Board (KVIB) and District Industries Centre (DIC). Since inception and up to January 2016, 3.50 lakh micro enterprises have been set up by utilizing margin money amounting to Rs. 7004.40 crore and 29.82 lakh jobs have been created from these units.

(ii) Scheme of Fund for Regeneration of Traditional Industries (SFURTI) was launched in 2005-06 for making Traditional Industries more productive and competitive by organizing the Traditional Industries and artisans into clusters. 26 clusters have been granted final approval with a total project cost of Rs.72 crore benefiting around 25000 artisans.

(iii) A Scheme for Promoting Innovation, Rural Industry and Entrepreneurship (ASPIRE) was launched on 18.3.2015 to promote Innovation & Rural Entrepreneurship through rural Livelihood Business Incubator (LBI), Technology Business Incubator (TBI) and Fund of Funds for start-up creation in the agro-based industry. During the year 2015-16, 22 LBIs & 2 TBIs have been approved and two LBI Centres have been operationalized at Deoria (U.P.) and Rajkot (Gujarat).

Products of rural industries are already covered under extant laws & rules relating to trade & commerce including consumer protection. Stand Up India scheme is meant to provide composite loans between Rs. 10 lakh to Rs. 100 lakhs for setting up Greenfield enterprises in non-farm sector by SC/ST and women entrepreneurs.

This information was given by the Minister of State (Independent Charge) in the Ministry of Commerce & Industry Smt. Nirmala Sitharaman in a written reply in Lok Sabha on 14th March, 2016. n

Rashtrapati Bhavan hosted from March 12 to 19, 2016, a week long “Festival of Innovations” in collaboration with the National Innovation

Foundation (NIF). The Festival opened with the inauguration of an Exhibition of Innovations on March 12, 2016 by the President of India, Shri Pranab Mukherjee.

This event provided a common platform for the interaction of the various stakeholders, right from students to bankers. The function also focused on issues related to promoting "Microventure Funding" by banks on the lines of "Micro-Financing". People from all over India witnessed the development of innovations and its future application to the Society during this festival.

Ministry of MSME participated in this festival for the first time and displayed/showcased innovative products/ideas developed/generated by MSMEs under various schemes of Ministry of MSME. Supporting organisations like KVIC, NSIC, SIDBI Venture Capital, Indian Angel Network, Cleantech & Quality Council of India etc. also participated in this event. It was expected that this initiative by the Ministry will enable the Indian MSMEs to be more focused and dedicated to serve the Society through Financial Institutions in the areas of innovation. Hon’ble Minister of MSME, Shri Kalraj Mishra and Hon’ble Minister of State for MSME, Shri Giriraj Singh graced the MSME pavilion and interacted with the participants from various innovators and other supporting organisations on 17th March, 2016. Hon’ble Minister of MSME lauded the efforts of the Ministry in integrating its support on innovations as well as supporting financial institutions thereby creating a synergy inthe ecosystem of innovation for the Indian MSME innovators. Hon’ble Minister of State was specifically inquisitive on the innovations aimed at uplifting the rural sector and encouraged the innovators to ensure accessibility of these products to the common man at affordable costs. Shri K. K. Jalan, Secretary, MSME and Shri S. N. Tripathi, Additional Secretary & Development Commissioner-MSME, also closely interacted with the participants and congratulated them for their commendable efforts. On this occasion, the MSME publication “Supporting Innovations” was also released by the Hon’ble Ministers. n

Participation of Ministry of MSME in “Festival of Innovation (FOIN) 2016”

Rural Industries under Make in India

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