For Official Use Only
A Scheme of 21st Century
For Micro Enterprises
PMEGP
Prime Minister’s Employment Generation Programme
Directorate of Industries, Orissa, Killa Maidan, Cuttack
Prime Minister’s Employment Generation Programme – A Collection of Guidelines, Circulars, Orders, Notifications, etc.
2nd Edition 18.03.2010
Compilation By: Directorate of Industries, Killamaidan, Cuttack – 753 001
Printed at: Graphic Art Offset Press, Nuapatna, Manglabag, Cuttack-753001
Contents
Guidelines & Circulars issued during 2008-09 1 Guidelines on Prime Minister’s Employment Generation Programme 1 - 23 (PMEGP) 2 Application Form for Financial Assistance under Prime Minister’s 24 - 25 Employment Generation Programme (PMEGP) 3 Flow Charts 4 – Application Process 26 5 –24 Identification of Potential Beneficiaries 27 6 – Function of Task Force Committee 28 7 – EDP Training 29 8 – Subsidy 30 9 – Physical Verification 31 10 – Reporting System 32 11 Other Guidelines
12 A Operation of Bank Account under PMEGP Scheme 33 - 35
13 B Functioning of District Task Force Committee 36 - 40
14 C Entrepreneurship Development Programme for PMEGP Beneficiaries 41 - 47 15 D PMEGP Online Application Tracking System 48
16 E Physical Verification of PMEGP Units 49
17 F Reporting and Monitoring 50 - 54
18 G Guidelines for Allocation of Targets 55 - 56
19 H Specimen Advertisement for Inviting Applications 57 20 I Backward and Forward Linkages 58 - 66
21 J Publicity and Promotional Campaign for Prime Minister’s 67 - 71 Employment Generation Programme (PMEGP) 22 Circular No.PMEGP/Policy/M-939/08-09 Dt.10/04/2008 – Introduction 72 - 74 of Prime Minister Employment Generation Programme (PMEGP) in place of Rural Employment Generation Programme and PMRY – reg. 23 No.REGP/PMEGP/Scheme/2008-09 dt.01-10-2008 - Standing Order 75 - 79 No.1673 - Implementation of Prime Minister’s Employment Generation Programme (PMEGP) – reg. 24 No.REGP/PMEGP/Scheme/2008-09 dt.01-10-2008 - Office Order 80 - 86 No.2027 – Implementation of Prime Minister’s Employment Generation Programme (PMEGP) – reg. 25 No.REGP/PMEGP/MPR/2008-09 dt.03-11-2008 – Monthly Progress 87-93 Report under PMEGP (Format) 26 No.IX-SI-19/2008-17218 dt.11.12.2008 – By Industries Department - 94 Implementation of PMEGP Scheme – Nomination of State Representatives 27 No.IX-SI-19/2008-17221 dt.11.12.2008 – By Industries Department - 95 - 96 Notification – Constitution of Task Force
28 No.REGP/PMEGP/Scheme/08-09 dt.12-12-2008 – CIRCULAR - Credit 97-99 Linked Subsidy Scheme(Score Card for PMEGP) 29 No.REGP/PMEGP/Scheme/08-09 dt.12-12-2008 – CIRCULAR - Credit 100-102 Linked Subsidy Scheme(Score Card for PMEGP) 30 No.REGP/PMEGP/Scheme/08-09 dt.19-12-2008 – CIRCULAR - 103-106 Monitoring committee 31 No. PMEGP/Target/M-940/08-09 dt.23-12-2008 – CIRCULAR - PMEGP 107-108 -Social category target 32 Constitution of State Level Monitoring Committee by the Govt. Of 109-110 Orissa – Industries Department No.2652 dt.20..2.2009 33 No. PMEGP/Policy/M-939(II)/08-09 dt. 04-03-2009 – CIRCULAR - 111-112 Additions to negative list of PMEGP 34 No. PMEGP/Policy/ 08-09 dt. 26-03-2009 – CIRCULAR – Election 113-116 Commission's Directives on PMEGP - Prime Minister’s Employment Generation Programme (PMEGP) – applicability of Model Code of conduct – reg. 35 No.REGP/PMEGP/Scheme/08-09 dt. 31-03-2009 – ADDENDUM - 117-118 Implementation of Prime Minister’s Employment Generation Programme (PMEGP) (Office Order No. 2027 dated 1.10.2008) 36 Format for Sponsoring the Beneficiaries for undergoing EDP Training 119 37 Application Form-cum-Receipt for claiming “Govt. Subsidy” from for 120-123 Khadi & Village Industries Commission / Board / DIC by beneficiary and Bank 38 Annexure – “E” : Letter or undertaking to be signed by the Borrower 124 Finance under KVIC - REGP 39 PHASE-A : Acknowledgement letter for receipt of Margin Money claim 125-126 40 PHASE-B : Adjustment of Margin Money claim 127-128 41 List of Accredited EDP Training Centres in Orissa during 2008-09 129-131 42 List of Nodal Bank Branches for Operating Govt. Subsidy Margin Money 132 under PMEGP during 2008-09
Guidelines & Circulars issued during 2009-10 43 135-136 No. PMEGP/Policy/Gen.Corrs./08-09 dt.06-04-2009 - CIRCULAR - Extention of time limit for settlement of PMEGP claims of 2008-09 44 No. PMEGP/N.O.Workshop/08-09 dt.08-04-2009 - Postponement of 137 PMEGP workshop at Jammu - PMEGP Nodal Officers/ECR officials National Workshop – Postponement – reg. 45 No.RPCD(BHU) 1661 /02.02.20/2008-2009 dt.30-04-2009 – Prime 138 Minister’s Employment Generation Programme (PMEGP) – List of Regional Rural Bank (RRBs) that will implement PMEGP 139-142 46 No.PMEGP/Pvt Cop.Bank/Scheme/09-10 dt. 17-06-2009 - PMEGP scheme implementation through Scheduled Commercial Banks under Private Sector and Co-operative Sector – reg. 143-169 47 No.REGP/PMEGP/Cir.Guide/BFL/09-10 dt. 17-06-2009 - Guidelines of Backward & Forward Linkages under PMEGP-reg. 170-176 48 No.REGP/PMEGP/Scheme/09-10 dt. 22-06-2009 – CIRCULAR - Implementation of PMEGP through Rural Regional Banks(RRB) 177-188 49 No.REGP/PMEGP/Cir.Guide/A/c/2009-10 dt. 24-06-2009 – CIRCULAR - Accounting and Monitoring formats under PMEGP– regarding 189-192 50 No. PMEGP/EDP Trg/09-10 dt. 25-06-2009 – CIRCULAR - EDP Training under PMEGP scheme -reg. 193-194 51 No.PMEGP/Budget/M-951/2009-10 dt. 09-07-2009 – CIRCULAR - Utilization of unspent Margin Money during 2009-10 released for the year 2008-09 under PMEGP – reg.. 195-196 52 No.PMEGP/Policy/Gen.Corrs/09-10 dt. 31-07-2009 – CIRCULAR - Extension of MM settlement period upto 31st August, 2009 197-198 53 No.PMEGP/Scheme/2009-10 dt.10-08-2009 – CORRIGENDUM to office order no.2041 – Settlement of Margin Money time limit from 60 days to 30 days 199-201 54 No:PMEGP/e-track/2009-10 dt.03-Sep-09 – CIRCULAR - Implementation of e-tracking system under PMEGP 202-203 55 No.PMEGP/PO/SO/DO/B&F/09-10 dt.10-09-2009 – CIRCULAR - Utilisation of unspent balance of B& F fund of 2008-09 for current financial year 2009-10 reg. 204-205 56 No. PMEGP/Budget /m951/2009-10 /dt.22-09-2009 – CIRCULAR - Settlement of Margin Money 206-207 57 No.PMEGP/Perf.Review/2009-10 dt.20-11-2009 – CIRCULAR - Redistribution of PMEGP target within the State 208-209 58 No.PMEGP/Perf.Review/2009-10 dt.20-11-2009 – CIRCULAR - Allowing CNG Auto rickshaws under PMEGP Scheme 210-213 59 No.PMEGP/EDP/Cir/09-10 /dt.09-12-2009 – CIRCULAR – EDP Training not mandatory for Disbursement 214-217 60 No.PMEGP/Scheme/2009-10 dt. 24.12.2009 - ADDENDUM TO OFFICE ORDER NO.2027 - Implementation of Prime Minister's Employment Generation Programme (PMEGP)- EDP -Reg. 218-220 61 No.PMEGP/Perf.Review/2009-10 dt.11-01-2010 – CIRCULAR - Modification in Constitution of District Level Task Force Committee 221-222 62 No.PMEGP/Phy.Ver./2009-10 dt.28-01-2010 – CIRCULAR - Physical verification by KVIC officials 223-226 63 No.PMEGP/Phy.Ver./2009-10 Dt. 28-01-2010 – CIRCULAR – Physical verification through outsourcing 227-228 64 No.PMEGP/APR/2009-10 Dt. 28-01-2010 – CIRCULAR - Reporting of Employment data under PMEGP 229-230 65 No.PMEGP/Scheme/2009-10 Dt. 06-02-2010 – CIRCULAR - Modification in connection with reimbursement of Expenditure on EDP Training through Accredited training centers- reg. 231-233 66 List of Accredited EDP Training Centres in Orissa during 2009-10 234 67 List of Nodal Bank Branches for Operating Govt. Subsidy Margin Money under PMEGP during 2009-10
For official use only
PRIME MINISTER’S EMPLOYMENT GENERATION PROGRAMME (PMEGP)
1. The Scheme
Government of India has approved the introduction of a new credit linked subsidy programme called Prime Minister’s Employment Generation Programme (PMEGP) by merging the two schemes that were in operation till 31.03.2008 namely Prime Minister’s Rojgar Yojana (PMRY) and Rural Employment Generation Programme (REGP) for generation of employment opportunities through establishment of micro enterprises in rural as well as urban areas. PMEGP will be a central sector scheme to be administered by the Ministry of Micro, Small and Medium Enterprises (MoMSME). The Scheme will be implemented by Khadi and Village Industries Commission (KVIC), a statutory organization under the administrative control of the Ministry of MSME as the single nodal agency at the National level. At the State level, the Scheme will be implemented through State KVIC Directorates, State Khadi and Village Industries Boards (KVIBs) and District Industries Centres (DICs) and banks. The Government subsidy under the Scheme will be routed by KVIC through the identified Banks for eventual distribution to the beneficiaries / entrepreneurs in their Bank accounts. The Implementing Agencies, namely KVIC, KVIBs and DICs will associate reputed Non Government Organization (NGOs)/reputed autonomous institutions/Self Help Groups (SHGs)/ National Small Industries Corporation (NSIC) / Udyami Mitras empanelled under Rajiv Gandhi Udyami Mitra Yojana (RGUMY), Panchayati Raj institutions and other relevant bodies in the implementation of the Scheme, especially in the area of identification of beneficiaries, of area specific viable projects, and providing training in entrepreneurship development.
2. Objectives
(i) To generate employment opportunities in rural as well as urban areas of the country through setting up of new self- employment ventures/projects/micro enterprises. (ii) To bring together widely dispersed traditional artisans/ rural and urban unemployed youth and give them self-employment opportunities to the extent possible, at their place. (iii) To provide continuous and sustainable employment to a large segment of traditional and prospective artisans and rural and urban unemployed youth in the country, so as to help arrest migration of rural youth to urban areas.
(iv) To increase the wage earning capacity of artisans and contribute to increase in the growth rate of rural and urban employment.
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3. Quantum and Nature of Financial Assistance
Levels of funding under PMEGP
Categories of beneficiaries Beneficiary’s Rate of Subsidy under PMEGP contribution (of project cost) (of project cost) Area (location of Urban Rural project/unit) General Category 10% 15% 25% Special (including SC / ST / 05% 25% 35% OBC /Minorities/Women, Ex- servicemen, Physically handicapped, NER, Hill and Border areas etc. Note: (1) The maximum cost of the project/unit admissible under manufacturing sector is Rs. 25 lakh. (2) The maximum cost of the project/unit admissible under business/service sector is Rs. 10 lakh. (3) The balance amount of the total project cost will be provided by Banks as term loan
4. Eligibility Conditions of Beneficiaries
(i) Any individual, above 18 years of age (ii) There will be no income ceiling for assistance for setting up projects under PMEGP. (iii) For setting up of project costing above Rs.10 lakh in the manufacturing sector and above Rs. 5 lakh in the business /service sector, the beneficiaries should possess at least VIII standard pass educational qualification. (iv) Assistance under the Scheme is available only for new projects sanctioned specifically under the PMEGP. (v) Self Help Groups (including those belonging to BPL provided that they have not availed benefits under any other Scheme) are also eligible for assistance under PMEGP. (vi) Institutions registered under Societies Registration Act,1860; (vii) Production Co-operative Societies, and (viii) Charitable Trusts. (ix) Existing Units (under PMRY, REGP or any other scheme of Government of India or State Government) and the units that have already availed Government Subsidy under any other scheme of Government of India or State Government are not eligible.
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4.1 Other eligibility conditions
(i) A certified copy of the caste/community certificate or relevant document issued by the competent authority in the case of other special categories, is required to be produced by the beneficiary to the concerned branch of the Banks along with the Margin Money (subsidy) Claim. . (ii) A certified copy of the bye-laws of the institutions is required to be appended to the Margin Money (subsidy) Claim, wherever necessary. (iii) Project cost will include Capital Expenditure and one cycle of Working Capital. Projects without Capital Expenditure are not eligible for financing under the Scheme. Projects costing more than Rs.5 lakh, which do not require working capital, need clearance from the Regional Office or Controller of the Bank’s Branch and the claims are required to be submitted with such certified copy of approval from Regional Office or Controller, as the case may be. (iv) Cost of the land should not be included in the Project cost. Cost of the ready built as well as long lease or rental Work- shed/Workshop can be included in the project cost subject to restricting such cost of ready built as well as long lease or rental workshed/workshop to be included in the project cost calculated for a maximum period of 3 years only. (v) PMEGP is applicable to all new viable micro enterprises, including Village Industries projects except activities indicated in the negative list of Village Industries. Existing/old units are not eligible (Para 29 of the guidelines refers). Note: (1) The Institutions/Production Co-operative Societies/Trusts specifically registered as such and SC/ ST/ OBC/ Women/ Physically Handicapped / Ex-Servicemen and Minority Institutions with necessary provisions in the bye-laws to that effect are eligible for Margin Money (subsidy) for the special categories. However, for Institutions /Production Cooperative Societies/Trusts not registered as belonging to special categories, will be eligible for Margin Money (Subsidy) for general category.
(2) Only one person from one family is eligible for obtaining financial assistance for setting up of projects under PMEGP. The ‘family’ includes self and spouse.
5. Implementing Agencies
5.1 The Scheme will be implemented by Khadi and Village Industries Commission (KVIC), Mumbai, a statutory body created by the Khadi and Village Industries Commission Act, 1956, which will be the single nodal agency at the national level. At the State level, the scheme will be implemented through State Directorates of KVIC, State Khadi and Village Industries Boards (KVIBs) and District Industries Centres in rural areas. In urban areas, the Scheme will be implemented by the State District Industries Centres (DICs) only. KVIC will coordinate with State KVIBs/State DICs and monitor performance in rural and urban areas. KVIC and DICs will also involve NSIC, Udyami Mitras empanelled under
Page 3 of 234 Rajiv Gandhi Udyami Mitra Yojana (RGUMY), Panchayati Raj Institutions and other NGOs of repute in identification of beneficiaries under PMEGP.
5.2 Other Agencies
The details of other agencies to be associated by nodal agencies in the implementation of PMEGP are as under:
i) Field Offices of KVIC and its State offices ii) State KVI Boards iii) District Industries Centre (DIC) of all State Governments/Union Territories Administrations reporting to respective Commissioners /Secretaries (Industries). iv) Banks/Financial Institutions. v) KVI Federation vi) Department of Women and Child Development (DWCD), Nehru Yuva Kendra Sangathan (NYKS), The Army Wives Welfare Association of India (AWWA) and Panchayati Raj Institutions vii) NGOs having at least five years experience and expertise in Project Consultancy in Small Agro & Rural Industrial Promotion and Technical Consultancy Services, Rural Development, Social Welfare having requisite infrastructure and manpower and capable of reaching Village and Taluk level in the State or Districts. NGOs should have been funded by State or National Level Government Agency for any of its programmes in the preceding 3 years period. viii) Professional Institutions/Technical Colleges recognized by Government/University and University Grants Commission (UGC)/ All India Council for Technical Education (AICTE) having department for vocational guidance or technical courses providing skill based training like ITI, Rural Polytechnic, Food Processing Training Institute, etc. ix) Certified KVI institutions aided by KVIC / KVIB provided these are in category A+, A or B and are having required infrastructure, manpower and expertise for the role. x) Departmental and Non-Departmental Training Centres of KVIC / KVIBs. xi) Micro, Small and Medium Enterprises Development Institutes (MSME-DIs), MSME Tool Rooms and Technical Development Centres, under the administrative control of Office of Development Commissioner, MSME. xii) National Small Industries Corporation’s (NSIC) offices, Technical Centres, Training Centres, Incubators and Training cum Incubation Centres (TICs) set up in PPP Mode.
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xiii) National level Entrepreneurship Development Institutes like National Institute for Entrepreneurship and Small Business Development (NIESBUD), National Institute for Micro, Small and Medium Enterprises (NIMSME) and Indian Institute of Entrepreneurship (IIE), Guwahati under the administrative control of Ministry of MSME, their branches and the Entrepreneurship Development Centres (EDCs) set up by their Partner Institutions (PIs). xiv) Udyami Mitras empanelled under Rajiv Gandhi Udhyami Mitra Yojana of Ministry of MSME. xv) PMEGP Federation, whenever formed.
6. Financial Institutions
(i) 27 Public Sector Banks. (ii) All Regional Rural Banks. (iii) Co-operative Banks approved by State Level Task Force Committee headed by Principal Secretary (Industries)/Commissioner (Industries) (iv) Private Sector Scheduled Commercial Banks approved by State Level Task Force Committee headed by Principal Secretary (Industries)/Commissioner (Industries). (v) Small Industries Development Bank of India (SIDBI).
7. Identification of beneficiaries:
The identification of beneficiaries will be done at the district level by a Task Force consisting of representatives from KVIC/State KVIB and State DICs and Banks. The Task force would be headed by the District Magistrate / Deputy Commissioner / Collector concerned. The Bankers should be involved right from the beginning to ensure that bunching of applications is avoided. However, the applicants, who have already undergone training of at least 2 weeks under Entrepreneurship Development Programme (EDP) / Skill Development Programme (SDP) / Entrepreneurship cum Skill Development Programme (ESDP) or Vocational Training (VT) will be allowed to submit applications directly to Banks. However, the Banks will refer the application to the Task Force for its consideration. Exaggeration in the cost of the project with a view only to availing higher amount of subsidy should not be allowed. KVIC will devise a score card in consultation with SBI and RBI, and forward it to the District Level Task Force and other State/District functionaries. This score board will form the basis for the selection of beneficiaries. This score card will also be displayed on the websites of KVIC and Ministry. The selection process should be through a transparent, objective and fair process and Panchayati Raj Institutions should be involved in the process of selection (Para 11 (i)(b) of the guidelines refers).
Page 5 of 234 8. Bank Finance
8.1 The Bank will sanction 90% of the project cost in case of General Category of beneficiary/institution and 95% in case of special category of the beneficiary/institution, and disburse full amount suitably for setting up of the project.
8.2 Bank will finance Capital Expenditure in the form of Term Loan and Working Capital in the form of cash credit. Project can also be financed by the Bank in the form of Composite Loan consisting of Capital Expenditure and Working Capital. The amount of Bank Credit will be ranging between 60-75% of the total project cost after deducting 15-35% of margin money (subsidy) and owner’s contribution of 10% from beneficiaries belonging to general category and 5% from beneficiaries belonging to special categories. This scheme will thus require enhanced allocations and sanction of loans from participating banks. This is expected to be achieved as Reserve Bank of India (RBI) has already issued guidelines to the Public Sector Banks to ensure 20 % year to year growth in credit to MSME Sector. SIDBI is also strengthening its credit operations to micro enterprises so as to cover 50 lakh additional beneficiaries over five years beginning 2006-07, and is recognized as a participating financial institution under PMEGP besides other scheduled/ Commercial Banks.
8.3 Though Banks will claim Margin Money (subsidy) on the basis of projections of Capital Expenditure in the project report and sanction thereof, Margin Money (subsidy) on the actual availment of Capital Expenditure only will be retained and excess, if any, will be refunded to KVIC, immediately after the project is ready for commencement of production.
8.4 Working Capital component should be utilized in such a way that at one point of stage it touches 100% limit of Cash Credit within three years of lock in period of Margin Money and not less than 75% utilization of the sanctioned limit. If it does not touch aforesaid limit, proportionate amount of the Margin Money (subsidy) is to be recovered by the Bank/Financial Institution and refunded to the KVIC at the end of the third year. 8.5 Rate of interest and repayment schedule
Normal rate of interest shall be charged. Repayment schedule may range between 3 to 7 years after an initial moratorium as may be prescribed by the concerned bank/financial institution. It has been observed that banks have been routinely insisting on credit guarantee coverage irrespective of the merits of the proposal. This approach needs to be discouraged.
RBI will issue necessary guidelines to the Banks to accord priority in sanctioning projects under PMEGP. RBI will also issue suitable guidelines as to which RRBs and other banks will be excluded from implementing the Scheme.
Page 6 of 234 9. Industry
Any Industry including Coir based projects (except those mentioned in the negative list) which produces goods or renders any service with or without the use of power and in which the fixed capital investment per head of a full time artisan or worker i.e. Capital Expenditure on workshop/ workshed, machinery and furniture divided by full time employment created by the project does not exceed Rs. 1 lakh in plain areas and Rs.1.50 lakh in hilly areas.
10. Rural Area
(i) Any area classified as Village as per the revenue record of the State/Union Territory, irrespective of population. (ii) It will also include any area even if classified as town, provided its population does not exceed 20,000 persons.
11. Modalities of the operation of the Scheme
(i) Project proposals will be invited from potential beneficiaries at district level through press, advertisement, radio and other multi- media by KVIC,KVIBs and DICs at periodical intervals depending on the target allotted to that particular district. The scheme will also be advertised /publicized through the Panchayati Raj Institutions which will also assist in identification of beneficiaries.
(a) Sponsoring of project by any agency is not mandatory. The beneficiary can directly approach Bank/Financial Institution along with his/her project proposal or it can be sponsored by KVIC/ KVIBs / DIC/Panchayat Karyalayas etc. However, the applications received directly by the Banks will be referred to the Task Force for its consideration. (b) A Task Force, consisting of the following members, will be set up to scrutinize the applications received by it.
Dist Magistrate/Deputy Commissioner/Collector - Chairman Lead Bank Manager - Member Representative of KVIC/KVIB/DIC - Member Representative of NYKS/SC/ST Corporation - Special Invitee Representative of MSME-DI, ITI/Polytechnic - Special Invitee Representatives from Panchayats - 3 members (To be nominated by Chairman/District Magistrate/Deputy Commissioner/ Collector by rotation) General Manager, DIC or Rep.of KVIC or Rep.of KVIB -Member Convenor
Page 7 of 234 (c) The Task Force will scrutinize the applications and based on the experience, technical qualification, skill, viability of the project etc., the task force will shortlist the applications and call for an interview of the applicants separately for rural and urban areas to assess their knowledge about the proposed project, aptitude, interest, skill and entrepreneurship abilities, market available, sincerity to repay and make the proposed project success. The selected candidates will be provided project formulation guidance and orientation by KVIC, KVIBs and DICs who will also assist and guide them in project formulation and submission to the concerned Bank in the area. The applicants may also approach any of the other agencies listed in para 5.2 of these guidelines for assistance in this regard.
(d) KVIC will identify the Nodal Banks at State level in consultation with State Governments and will forward the list to all the implementing agencies.
(ii) The release of funds to the implementing agencies will be in the following manner:-
(a) Government will provide funds under PMEGP to the nodal implementing agency, i.e. KVIC which will in turn, (within a period of 15 days of receipt of the money from the Government), place the margin money (subsidy)funds with the implementing Banks at the State level in their respective accounts in accordance with the targets allocated to each implementing agency. CEO, KVIC will convey the margin money (subsidy) targets allotted to each State to the Principal Secretaries/Secretaries (Industries)/ Commissioners (Industries) simultaneously. The target among the Districts in the State will be assigned by the State Level Bankers Coordination Committee. SLBCC will ensure that targets are evenly distributed within each district. The State-wise targets in respect of KVIC/KVIBs will be made available by KVIC to SLBCC where overall allocation of district-wise targets will be decided. Any modification of the targets for which KVIC is directly responsible will be permitted only with the concurrence of the Ministry.
(b) KVIC will place the margin money (subsidy) amount with the Banks involved in the implementation of the scheme in accordance with the targets allocated to the implementing Banks in the State/ District. DICs, in close coordination with Banks, will ensure that at least 50 % of the total margin money (subsidy) allocated to them will be utilized in setting up of projects in rural areas.
Page 8 of 234 (c) KVIC being the single Nodal Agency at the National level, will coordinate with the identified implementing agencies, i.e., KVIBs, DICs and others. KVIC will carry out most of the important tasks envisaged in the forward and backward linkages, including e-tracking, web management, publicity, physical verification of units, organizing EDP training programmes, awareness camps, workshops and exhibitions and therefore will require to utilize major share of the allocation under forward and backward linkages. However, KVIC will ensure that it will reserve and allocate at least 25 % of the total allocation under Forward and Backward linkages, under the Scheme to DICs of different participating States appropriately taking into account the demand and extent of implementation. This money will be released to DICs, only after obtaining an undertaking from the State Government that the funds already provided under the erstwhile PMRY Scheme’s Training and Pre motivational campaigns have been fully utilized by the DICs. Any unspent balance available under the training and contingencies of erstwhile PMRY Scheme will be utilized for training and relevant expenditure under PMEGP. DICs will submit monthly utilization report to KVIC in this regard.
(d) The Task Force, under the chairmanship of District Magistrate/Deputy Commissioner / Collector will hold quarterly meeting with the Banks at district level to review the status of the project proposals. Wherever the projects are rejected, shortcomings/reasons will be furnished by the concerned Banks to the implementing agencies concerned and the applicants concerned will be requested by KVIC/KVIBs / DICs to provide additional information/documents if required and concerned representatives of KVIC, KVIBs and DICs, will provide assistance to the applicants in this process. Since the Bank’s representative will also be a member of the Task Force, it needs to be ensured that maximum number of projects, cleared by the Task Force, is sanctioned by the Banks. Chairman of the District Task Force will review the performance of Banks and the loan repayment / recovery status in the quarterly review meetings. (e) Banks will take their own credit decision on the basis of viability of each project. No collateral security will be insisted upon by Banks in line with the guidelines of RBI for projects involving loan upto Rs. 5 lakh in respect of the projects cleared by the Task Force. However, they will appraise projects both technically and economically after ensuring that each project fulfills inter alia the criteria of (i) Industry (ii) Per Capita Investment (iii) Own Contribution (iv) Rural Areas (projects sponsored by KVIC/ KVIBs/DICs) and (v) Negative List (Para 29 of the guidelines refers)
Page 9 of 234 It is essential that the applications cleared by the District Task Force also fulfill these requirements at that stage itself so as to avoid delays in approval of loans in Banks.
(f) Once the project proposals are received by KVIC, KVIBs, DICs or Banks, the details of such proposals are to be fed in the web based application tracking system with a unique registration number for each beneficiary at the District level by the State Offices of KVIC/State KVIBs/State DICs to enable the entrepreneurs to track their application status at any point of time. Till such time the e-tracking system becomes fully operational (for which detailed guidelines will be issued by KVIC separately to all concerned) disaggregated data in respect of progress of each application, assistance availed by beneficiaries belonging to special categories (category wise), employment details, etc., will be maintained by KVIC/KVIBs/DICs and the data will be reconciled every month with Director (PMEGP) in KVIC. The status of such reconciliation will be reviewed by the District Magistrate / Deputy Commissioner / Collector, in the Task Force meetings and by CEO, KVIC in the review meetings at KVIC. Separate colour code will be given to application form as well as applications/claim forms of Margin Money (subsidy) through KVIC/KVIBs/DICs, so as to help the beneficiaries and the processing/sanctioning functionaries to identify and monitor the progress of implementation.
(g) Once the project is sanctioned and before the first installment of the Bank Finance is released to the beneficiary, Bank will inform the State/Regional Office of the KVIC/KVIBs/State DICs, as the case may be, for arranging EDP training (Para 12(i) of the guidelines refers) to the beneficiary, if he/she has not already undergone such training. If he/she has already undergone such training of at least 2 weeks duration, either with the training centre of KVIC/KVIB /State DICs or the institutions recognized by or under the administrative control of Ministry of MSME or at any other training centre of repute, such beneficiary need not undergo further EDP training.
(h) First installment of the loan will be released to the beneficiary only after completion of EDP training of at least 2 weeks (Para 12 of the guidelines refers) specially designed for the purpose, which will be organized by KVIC / KVIBs / DICs or the institutions recognized by or under the administrative control of Ministry of MSME or at any other training centre of repute. Those who have already undergone training from the recognized institutions need not undergo further EDP training.
Page 10 of 234 (i) After the successful completion of EDP training arranged by the KVIC/KVIBs/State DICs, the beneficiary will deposit with the bank, the owner’s contribution. Thereafter, the bank will release first installment of the Bank Finance to the beneficiary.
(j) Projects sanctioned will be declared ineligible for Margin Money (subsidy) assistance if the EDP training is not completed.
(k) After the release of Bank finance either partly or fully, Bank will submit Margin Money (subsidy) claim in the prescribed format to the designated Nodal Branch of the State/Region where KVIC has placed lump sum deposit of Margin Money (subsidy) in advance in the Savings Bank Account in the name of KVIC, for release of Margin Money (subsidy). In the case of projects financed by the branches of the Regional Rural Banks, the financing branches of the RRBs will have to submit the Margin Money (subsidy) Claim to their Head Office, which, in turn, will submit the consolidated claims to the designated Nodal Branch of their sponsoring Bank. In the case of projects financed by SIDBI, the guidelines issued by SIDBI for release of loan/margin money (subsidy) will be followed. Though the margin money (subsidy) will be released by the designated Nodal Branch of the Bank, KVIC/KVIB State DIC is the final authority to either accept the project/claim or reject, based on the parameters of the Scheme. Detailed grounds for rejections shall be maintained by KVIC/KVIBs/DICs. A separate system of acknowledging grievances or complaints will be instituted by KVIC/KVIBs and DICs and a monthly report with the details of grievances / complaints received and the status / action taken for their redressal shall be furnished to CEO, KVIC by KVIBs and DICs. A consolidated report will be forwarded to the Ministry of MSME every quarter by CEO, KVIC.
(l) Once the Margin Money (subsidy) is released in favour of the loanee, it should be kept in the Term Deposit Receipt of three years at branch level in the name of the beneficiary/Institution. No interest will be paid on the TDR and no interest will be charged on loan to the corresponding amount of TDR. (m) Since “Margin Money” (subsidy) is to be provided in the form of subsidy (Grant), it will be credited to the Borrowers loan account after three years from the date of first disbursement to the borrower/institution, by the Bank. (n) In case the Bank’s advance goes “bad” before the three year period, due to reasons, beyond the control of the beneficiary, the Margin Money (subsidy) will be adjusted by the Bank to liquidate the loan liability of the borrower either in part or full.
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(o) In case any recovery is effected subsequently by the Bank from any source whatsoever, such recovery will be utilized by the Bank for liquidating their outstanding dues first. Any surplus will be remitted to KVIC. (p) Margin Money (subsidy) will be ‘one time assistance’, from Government. For any enhancement of credit limit or for expansion/modernization of the project, margin money (subsidy) assistance is not available. (q) Margin Money (subsidy) assistance is available only for new projects sanctioned specifically under the PMEGP. Existing units are not eligible under the Scheme. (r) Projects financed jointly i.e. financed from two different sources (Banks / Financial institutions), are not eligible for Margin Money (subsidy) assistance. (s) Bank has to obtain an undertaking from the beneficiary before the release of Bank Finance that, in the event of objection (recorded and communicated in writing) by KVIC /KVIB/State DIC, the beneficiary will refund the Margin Money (subsidy) kept in the TDR or released to him after three years period.
(t) Banks / KVIC / KVIBs / DICs have to ensure that each beneficiary prominently displays the following sign-board at the main entrance of his project site:-
………………………………..(Unit Name)
Financed By ……………… (Bank), District Name Under Prime Minister’s Employment Generation Programme (PMEGP)
Ministry of Micro, Small and Medium Enterprises
(u) Margin Money (subsidy) Claim will be submitted by the Financing Branch of the Bank to the designated Nodal Branch at the earliest possible time.
12. Entrepreneurship Development Programme (EDP)
12.1 The objective of EDP is to provide orientation and awareness pertaining to various managerial and operational functions like finance, production, marketing, enterprise management, banking formalities, bookkeeping, etc. The duration for EDP under REGP was only 3 days, whereas, under PMRY it was 10 days. During various meetings, discussions and recommendations of Department Related Parliamentary Standing Committee for Industry (DRPSCI) it was felt that 3 days were not adequate for providing this inputs effectively and, hence two to three weeks period has been provided under PMEGP which will include interaction with successful rural entrepreneur, banks as well as orientation
Page 12 of 234 through field visits. The EDP will be conducted through KVIC, KVIB Training Centers as well as Accredited Training Centers run by Central Government, NSIC, the three national level Entrepreneurship Development Institutes (EDIs), i.e., NIESBUD, NIMSME and IIE, and their partner institutions under the administrative control of Ministry of MSME, State Governments, Banks, Rural Development and Self Employment Training Institutes (RUDSETI) reputed NGOs, and other organizations / institutions, identified by the Government from time to time. EDP will be mandatory for all the PMEGP beneficiaries. However, the beneficiaries who have undergone EDP earlier of duration not less than two weeks through KVIC/KVIB or reputed training centers will be exempted from undergoing fresh EDP. The training centres / institutes will be identified by KVIC and extensive publicity will be provided about the training centres / institutes, content of courses available, duration, etc. by circulating the same to all the Implementing Agencies.
12.2. Budget for EDP Charges to the Training Centers
An amount of Rs. 2500/- to Rs.4000/- per trainee for a period of two to three weeks towards course material, honorarium to guest speakers, lodging, boarding expenses, etc. is admissible under the Scheme. KVIC will reimburse the expenditure to the training centres / institutes chosen for the purpose, in accordance with the procedures to be separately devised by it and circulated to KVIBs and DICs.
13. Physical verification of PMEGP Units
100% physical verification of the actual establishment and working status of each of the units, set up under PMEGP, including those set up through KVIBs and DICs, will be done by KVIC, through the agencies of State Government and/or, if necessary by outsourcing the work to professional institutes having expertise in this area, following the prescribed procedures as per General Financial Rules (GFR) of Government of India. Banks, DICs and KVIBs will coordinate and assist KVIC in ensuring 100 % physical verification. A suitable proforma will be designed by KVIC for such physical verification of units. Quarterly reports, in the prescribed format will be submitted by KVIC to the Ministry of MSME.
14. Awareness Camps
14.1 KVIC and State DICs will organize awareness camps, in close coordination with each other and KVIBs, throughout the country to popularize PMEGP and to educate potential beneficiaries in rural, semi rural and urban areas about the Scheme. The awareness camps will involve participation from the unemployed men and women with special focus on special category, i.e., SC, ST, OBC, Physically challenged, Ex- servicemen, Minorities, Women, etc. The requisite information/details in this regard will be obtained by KVIC/KVIBs/DICs from State level organizations like SC/ST Corporations, AWWA, NYKS, reputed NGOs and Employment exchanges. There will be two camps permissible for a
Page 13 of 234 district, one by KVIC in coordination with concerned KVIB and another by DIC. KVIC and DIC should preferably consider organizing these camps jointly for a specific district. A Committee consisting of Lead Bank, KVIC/KVIB/DIC and Principal, Multi Disciplinary Training Centres (MDTC) of KVIC will shortlist the beneficiaries and send them for training as well as RICS for project formulation and to Bank for project sanction. The amount specified can be spent on publicity, arrangement and other necessary expenses for organizing such camps, which will be communicated by KVIC in their guidelines separately.
14.2 Mandatory activities to be undertaken in the awareness camps:
(i) Publicity through banners, posters, hoardings and press advertisements in local newspapers. (ii) Presentation on the scheme by KVIC/KVIB/DIC officials. (iii) Presentation by Lead Bank of the area. (iv) Presentation by successful PMEGP/REGP Entrepreneurs. (v) Distribution of sanction letters to PMEGP entrepreneurs who have been sanctioned the project by Bank. (vi) Press conference (vii) Collection of data (in the prescribed format) from the potential beneficiaries, which will include information like profile of beneficiaries, skills possessed, background and qualifications, experience, project interested in, etc. For ascertaining the training (as described in para 12 of the guidelines) a committee consisting of representatives of Lead Bank, KVIC, KVIB, DIC and Principal, MDTC will shortlist the beneficiaries and send them for orientation and training. They will also be sent to RICS and Banks for project formulation and project sanction, respectively. viii) A Shelf of Projects for consideration under PMEGP, prepared by KVIC has already been circulated by KVIC/Ministry to some of the prominent State Industries Secretaries and Banks including State Bank of India, Central Bank of India, Canara Bank, Allahabad Bank and Union Bank of India. For any further inclusion of projects in the shelf already prepared, KVIBs and DICs shall forward the details of such projects to KVIC. KVIC will in turn, expand the Shelf of Projects, in due course, in consultation with Banks, KVIBs and DICs, by utilizing the provisions in ‘Training and Orientation’ under forward and backward linkages.
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(ix) Marketing Support
(a) Marketing support for the products, produced by the units under PMEGP may be provided through KVIC’s Marketing Sales outlets, as far as possible. KVIC will reserve the right to provide such a support based on quality, pricing and other parameters to be separately circulated by KVIC to KVIBs/DICs. (b) Besides the above, Exhibitions, Workshops at District/State Zonal/National and International levels, Buyer-Seller Meets, etc., will be arranged for the benefit of PMEGP beneficiaries by KVIC.
15. Workshops
a) Objectives
(i) To brief potential beneficiaries about benefits under the PMEGP Scheme and other KVIC Schemes like PRODIP, SFURTI, etc. (ii) To create a Data Bank of PMEGP units regarding products produced, services /business activity details, production, supply capacity, present marketing set up employment and project cost, etc. (iii) To interact with PMEGP entrepreneurs to obtain feed back about the units, their problems, support required, success stories etc. (iv) To involve experts in marketing and export to support PMEGP units in these areas.
Note: (i). It should be ensured that a minimum number of 200 prospective entrepreneurs participate in the Workshop. (ii) One State level Workshop for KVIC and one for DIC are permissible. (iii) KVIC and DIC may consider organizing these Workshops jointly in a specific State (iv) One representative of KVIC, KVIB and DIC will participate in each Workshop.
b) The State Level Workshop will include the following activities:
(i) Presentation of PMEGP Scenario of the State. (ii) Presentation of views of Banks on PMEGP by senior officials of lead Bank in the State. (iii) Sharing of experience and success stories by PMEGP/REGP entrepreneurs, providing special emphasis to entrepreneurs belonging to special categories.
Page 15 of 234 (iv) Briefing about support Schemes of KVIC like Product Development, Design Intervention and Packaging (PRODIP), Rural Industrial Service Centres (RISC), Scheme of Fund for Regeneration of Traditional Industries (SFURTI), Micro and Small Enterprises Cluster Development Programme (MSECDP), Credit Linked Capital Subsidy Scheme for Technology Upgradation (CLCSS), Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTSME), etc. (v) Briefing about support schemes related to cluster and marketing by NABARD and SIDBI. (vi) Utilizing the services of NYKS, MWCD, AWWA for involving the rural youth, weaker sections, women, minorities, ex- servicemen, physically challenged, war widows in PMEGP. (vii) Presentation on Domestic and Export Market Potential available, by Marketing experts. (viii) Open house discussion with PMEGP entrepreneurs on implementation issues, constraints encountered, further supports required, etc., and arriving at possible solutions. (ix) Data collection of PMEGP entrepreneurs in the prescribed format. (x) Arranging the exhibition cum sale of PMEGP products. (xi) Formation of PMEGP Federation. (xii) Press conference. (c) KVIC will be co ordinating these workshops and will get the annual calendar of workshops approved by the Ministry, in advance.
16. Exhibitions
PMEGP Exhibitions will be organized by KVIC at National, Zonal, State and District Levels and special exhibitions for North Eastern Zone in co ordination with KVIBs and DICs, to promote products produced by PMEGP units. KVIC will get the annual calendar of exhibitions to be conducted at various parts of the country, approved by the Ministry in advance. Separate pavilions will be provided for display of products produced by units set up through KVIBs/DICs. Separate logos and nomenclature for rural entrepreneurs and urban entrepreneurs will be worked out by KVIC/KVIBs/DICs. For example, for rural PMEGP exhibitions nomenclatures like GRAMEXPO, GRAMUSTAV, GRAM MELA, etc., may be used. KVIC, in coordination with KVIBs and DICs will be organizing one district level exhibition (per district), one State level exhibition and one Zonal level exhibition, annually.
Page 16 of 234 17. Participation in International Exhibitions
Participation by PMEGP units is envisaged in International Exhibitions like India International Trade Fair (IITF), etc., for developing their export market. KVIC will organize participation in the international exhibitions in coordination with KVIBs and DICs and will seek the list of willing units from KVIBs and DICs. KVIC will ensure that the units desirous of participating in the fair, set up through KVIBs and DICs are considered judiciously on the basis of merit, variety and quality of the products. A maximum amount of Rs. 20 lakh will be provided to meet expenditure on rental charges for pavilion, fabrication of stalls and towards display, demonstration etc. KVIC may meet the rest of the expenditure out of its regular marketing budget provisions.
18. Bankers Review Meetings
PMEGP is a bank driven scheme and the final sanction of project and release of loan is done at the level of concerned Bank. It is therefore imperative that KVIC, KVIBs and DICs interact regularly with the higher officials of Bankers at District/ State/National level to ensure that the bottle necks, if any, in implementation, are resolved, outcomes are effectively achieved and targets are met. Bankers Review Meeting at following levels shall be organized as below:
(i) Lead District Managers Meet (LDM): This will be organized by State Office and Divisional Office of KVIC jointly with KVIB and DIC. The focus of the meeting will be to inform and educate the bank officials at LDM level about PMEGP and regularly monitor and review the implementation of the scheme. The meeting will be held on quarterly basis.
(ii) Zonal review meeting: To review and monitor the PMEGP scheme, zonal review will be conducted quarterly by KVIC in 6 zones where representatives of KVIC, KVIB and DIC will participate in the review. Concerned Bank officers will also be invited.
(iii) Top level Bankers Meeting: KVIC will organize the Top Level Bankers meeting half yearly (in June and December) so that proper monitoring can be done at the beginning and towards the end of the financial year. CMDs/Senior Executives of nationalized Banks, representatives from Ministry of MSME, State DICs and KVIBs will participate in the National level Bankers meeting which will be chaired by CEO, KVIC. All the States/UTs will be invited in two groups and KVIC will ensure that around half of the States/UTs’ representatives (of KVIBs and DICs) participate in each of these half yearly review meetings. The meeting will focus on reviewing the targets and will examine the issues related to policy decisions relating to banks for the implementation of PMEGP.
Page 17 of 234 19. Orientation and Training under PMEGP
The staff and officers of KVIC, KVIB, DIC and concerned agencies have to be sensitized on the operational modalities of PMEGP which can be imparted in the ‘one day training workshops’ to be conducted throughout the country at State / District levels by KVIC (in coordination with KVIBs) and DICs. 40 such programmes per year will be organized by KVIC and DICs (each). KVIC and DICs may organize such training workshops jointly, wherever feasible, on the basis of guidelines to be issued by KVIC separately, for this purpose.
20. TA/DA of Staff and Officers
The officers of KVIC, KVIBs and DICs will carry out relevant field visits and monitoring activities of PMEGP. A provision of Rs. 1 crore per year is proposed towards TA/DA of staff and officers for monitoring and reviewing PMEGP, which includes administrative expenses like stationery, documentation, contingencies, etc., and around 40% of this amount can be earmarked for DICs. KVIC will issue separate guidelines incorporating the detailed modalities of certification of the expenditure, laying down the norms for such field visits so as to optimally utilize the assistance and ensure economy in expenditure.
21. Publicity and promotional activities
21.1 PMEGP should be popularized through aggressive publicity campaigns including posters, banners, hoardings, radio jingles, television messages, advertisements in local papers, press conferences, also involving VVIPs and distinguished guests in major events of PMEGP.
21.2 Release of advertisement/publicity for PMEGP.
Advertisement will be issued /published in English, Hindi and local language newspapers. For District level events, quarter page advertisement will be released and for State level events, half a page advertisement will be released.
Keeping in view the significance of publicity and promotional activities required to be undertaken for PMEGP, an amount of Rs.16 Crore will be allocated during the four years period. 25 % of funds will be earmarked by KVIC to DICs for release of advertisement/ publicity of the Scheme, in accordance with the guidelines framed by KVIC while ensuring maximum coordination and synergy of efforts with KVIBs and DICs.
22. MIS Package, Application Tracking System, E-Portal and other supporting packages
22.1 E-governance is a vital requirement for effective monitoring and reviewing of the scheme. In addition, data base of existing REGP beneficiaries as well as PMRY have also to be documented. A separate PMEGP website will be constructed by KVIC, including all the relevant
Page 18 of 234 linkages with Ministry of MSME, State KVIBs, DICs, NIC and Banks, providing all the necessary information. Application tracking system will also be introduced by KVIC in coordination with KVIBs / DICs for PMEGP beneficiaries. In addition Rural Industrial Consultancy Services (RICS)’s software package for project preparation of KVIC will be extended to all training centers in the country for assisting potential beneficiaries to prepare project under PMEGP. A separate provision is available under forward-backward linkages for the purposes for use by KVIC.
22.2. KVIC will issue further guidelines in regard to utilization of funds for the purposes outlined in the backward and forward linkages by ensuring proper documentation etc., from KVIBs and DICs. Proper account of the expenditure in this regard will be maintained by State/KVIBs/DICs and monitored by KVIC regularly.
23. Proposed Estimated Targets under PMEGP
23.1 The following estimated targets have been proposed under PMEGP during the four years, i.e., from 2008-09 to 2011-12.
Year Employment Margin Money ( in Nos) (subsidy)(Rs.crore) 2008-09 616667 740.00 2009-10 740000 888.00 2010-11 962000 1154.40 2011-12 1418833 1702.60 Total 3737500 4485.00 Note: 1. An additional amount of Rs.250 crore has been earmarked for backward and forward linkages. 2. To begin with, the targets would be distributed between KVIC (including State KVIBs) and State DICs in the ratio of 60:40 to ensure comparatively greater emphasis to micro enterprises in rural areas. The margin money subsidy would also be allocated in the same ratio. DICs will ensure that at least 50% of the amount allocated to them will be utilized in the rural areas. 3. The annual allocation of targets would be issued State-wise to the implementing agencies.
23.2 Criteria for distribution of targets under PMEGP
The following are the broad suggested criteria for distribution of state-wise targets: (i) Extent of backwardness of State; (ii) Extent of unemployment; (iii) Extent of fulfillment of targets under PMRY and REGP in 2007-08; (iv) Extent of recovery of loans under PMRY and REGP in 2007- 08; (v) Population of State/Union Territory; and (vi) Availability of traditional skills and raw material.
Page 19 of 234 23.3 KVIC will assign targets to State KVIC Directorates/ KVIBs and State Governments. Target at District levels will be decided by State Level Bankers Coordination Committee. SLBCC will ensure that targets are evenly distributed within each district. The State-wise targets in respect of KVIC/KVIBs will be made available by KVIC to SLBCC where overall allocation of district-wise targets will be decided. Any modification of the targets for which KVIC is directly responsible will be permitted only with the concurrence of the Ministry. KVIC will identify the Nodal Bank Branches in consultation with State Governments and place the Margin Money (subsidy) with these branches both for rural and urban areas. For assigning the targets of subsidy and other parameters (number of units, employment opportunities, etc.) to KVIC Directorates / KVIBs, KVIC will adopt the criteria of rural population of the State, backwardness of the State (based on 250 backward districts identified by Planning Commission) and past performance of the State under REGP Scheme for deciding the targets as per weightages given below. Similarly, for assigning the targets to DICs, KVIC will adopt the criteria of backwardness of the State (based on 250 backward districts identified by Planning Commission), urban unemployment level (as reflected in the Planning Commission’s report (2002) on ‘Special Group on targeting ten million employment opportunities per year’ and rural population of the State. From the second year (i.e., 2009-10) onwards, the performance of PMEGP during the previous year(s) will also be given appropriate weightage, for deciding the targets. The approximate weightages to be assigned for determining the targets to the implementing agencies are given below.
Criteria Weightage for determining targets KVIC/KVIBs DICs 1. Rural Population of the State 40 % 30 % 2. Backwardness of the State 30 % 40 % 3. Urban Unemployment level - 30 % 4. Past performance of REGP 30 % -
24. Rehabilitation of Sick Units Sick units under PMEGP for their rehabilitation will be linked with RBI’s Guidelines for rehabilitation of sick small scale industrial units issued to all Scheduled Commercial Banks vide their letter RPCD.No.PLNFS.BC.57/06.04.01/2001-2002 dated 16th January, 2002.
25. Registration Registration with the KVIC/KVIBs/State DICs under the Scheme is voluntary. No registration fee will be charged from the beneficiaries and the funds available under Forward and Backward linkage will be utilized to meet expenses on documentation cost, etc.
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Beneficiary will submit quarterly report about production, sales, employment, wages paid etc. to the State/Regional Director of the KVIC/KVIB/State DIC, and KVIC will in turn analyze and submit a consolidated report to the Ministry of MSME, every six months. 26. Role of Private Sector (Scheduled, Commercial / Co- operative) Banks in the implementation of PMEGP The Scheme will also be implemented through the Private Sector Scheduled Commercial Banks/Co-operative Banks on selective basis, after verification of intending Banks’ last 3 years’ Balance Sheet and ascertaining quantum of lending portfolio. Margin Money (subsidy) portion will be paid on actual reimbursement basis to the Banks by KVIC. 27. Monitoring and evaluation of PMEGP 27.1 Role of Ministry of MSME Ministry of MSME will be the controlling and monitoring agency for implementation of the scheme. It will allocate target, sanction and release required funds to KVIC. Quarterly review meeting will be held in the Ministry on the performance of PMEGP. CEO, KVIC, Principal Secretaries / Commissioners (Industries) responsible for implementation of the Scheme in States through DICs, Representatives of State KVIBs and Senior officials of Banks will attend the meeting. 27.2 Role of KVIC KVIC will be the single Nodal Implementing Agency of the Scheme at the National level. CEO, KVIC will review the performance with State KVIBs, DICs and Banks every month and submit a monthly performance report to the Ministry. The report will include the component wise details of beneficiaries indicating the amount of the Margin Money (subsidy) allotted, employment generated and the projects set up. KVIC will ensure that the margin money (subsidy) is utilized as per the sub component plans approved for SC, ST, Women, etc. The targets and achievement will also be monitored at the Zonal, State and District levels by the Dy.CEOs, Directors of KVIC and the Commissioner /Secretary of Industries (DIC), of the States concerned. The existing REGP units will continue to be
Page 21 of 234 monitored by the KVIC as hitherto fore, and separate monthly report submitted directly to Ministry of MSME.
27.3 Role of State Governments / Union Territories
The Scheme will be reviewed half yearly by Chief Secretary of the State. Representatives KVIC, Ministry of MSME, State Director (KVIC) CEO, KVIB, Secretary / Commissioner (Industries) of the State, Senior Officials of the Banks and other officials concerned will attend the meeting. State Governments {Commissioners / Secretaries (Industries)} will forward their monthly reports to KVIC, specifying the component wise details of beneficiaries indicating the amount of the Margin Money (subsidy) allotted, employment generated and the projects set up, which will be analyzed, compiled and consolidated by KVIC and a comprehensive report forwarded to Ministry every month. The existing PMRY units will continue to be monitored by the State DICs, as hitherto fore, and report submitted directly to Ministry of MSME.
28. Evaluation of the Scheme
A comprehensive, independent and rigorous evaluation of the scheme will be got done after two years of its implementation. Based on the findings of the evaluation study the scheme would be reviewed.
29. Negative List of Activities
The following list of activities will not be permitted under PMEGP for setting up of micro enterprises/ projects /units. a) Any industry/business connected with Meat(slaughtered),i.e. processing, canning and/or serving items made of it as food, production/manufacturing or sale of intoxicant items like Beedi/Pan/ Cigar/Cigarette etc., any Hotel or Dhaba or sales outlet serving liquor, preparation/producing tobacco as raw materials, tapping of toddy for sale. b) Any industry/business connected with cultivation of crops/ plantation like Tea, Coffee, Rubber etc. sericulture (Cocoon rearing), Horticulture, Floriculture, Animal Husbandry like Pisciculture, Piggery, Poultry, Harvester machines etc.
Page 22 of 234 c) Manufacturing of Polythene carry bags of less than 20 microns thickness and manufacture of carry bags or containers made of recycled plastic for storing, carrying, dispensing or packaging of food stuff and any other item which causes environmental problems. d) Industries such as processing of Pashmina Wool and such other products like hand spinning and hand weaving, taking advantage of Khadi Programme under the purview of Certification Rules and availing sales rebate. e) Rural Transport (Except Auto Rickshaw in Andaman & Nicobar Islands, House Boat, Shikara & Tourist Boats in J&K and Cycle Rickshaw).
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APPLICANT ID: (OFFICE USE)
APPLICATION FORM FOR FINANCIAL ASSISTANCE UNDER PRIME MINISTER'S EMPLOYMENT GENERATION PROGRAMME (PMEGP)
Preference for sponsoring agency of the project to Bank : (mark )
KVIC KVIB DIC Rural Urban
TO
………………………………. Photo
………………………………
Details in blocks should be entered in CAPITAL LETTERS only
1. Name of the applicant/ Institution Name
D D M M Y Y Y Y 2. Date of Birth
3. Sex Male Female
4.Father's name /Spouse’s Name/ Contact Person Name (if Institution):
5. Communication Address:
Taluk/Block: District: Email: Contact No
6. Address of proposed location of unit : Rural Urban
Taluk/Block: District:
7. Name of the preferred Bank Name & Address in the area for Project sanction
Bank Name: Address:
Taluk/Block District: Branch Code:
8. Qualification Academic Technical
Page 24 of 234 9. Whether Entrepreneur Development Programme (EDP) Yes No (at least 2 weeks) undergone: (mark )
Period of training Certificate Issue Name & Address of Training Institute From To Date
10. Whether the applicant belongs to (mark ) Ex- SC ST OBC PHC Minority Hill Boarder Area General Serviceman
11.Whether the project for Manufacturing Business/Service (mark ) unit unit
12. Name of the project / business activity proposed:
13. Amount of loan required (in Rs.) Building Capital Expenditure Loan Type Working (own/ Work shed, Machinery & . Pre capital/cash Total leased/ Building etc equipment operative Cost credit Limit Rented)
14. Details of earlier or current Loan/grant and subsidy availed from Central/state Govt. Scheme/or any other similar scheme. Activity of the Project with Amount( in Rs.) Year of Sanction Address
I certify that all information furnished by me is true; and that I and any of my dependent have not borrowed any money under Subsidy Linked Scheme from any central/State Government or bank for establishing any such project.
Date : Signature of the applicant
NOTE: • Own contribution must be invested 5% for SC/ST/OBC/PHC/woman/ Ex- serviceman/ North East Reason/Hill Boarder Area and 10% for General • Total Project Cost should not exceed 25 lakhs for Manufacturing unit and 10 lakhs for Business/service unit. • Applicant will not be entitled for additional Margin Money(Subsidy) in case of Own Contribution over and above the prescribed limit. • VIIIth pass for Manufacturing Unit above Rs.10 lakhs project cost and under Service Sector above Rs.5 lakhs • Application should be submitted complete in all respect along with attested copies of the following documents: 1. Certificate of qualification-academic and technical (if project cost above 5 lakhs under business/service industry or above 10 lakhs under Manufacturing industry) 2. Relevant Certificate for SC/ST/OBC/Minority/Ex-Servicemen/PHC 3. if Entrepreneur Development programme(EDP) training undergone (at least for two weeks) then submit photocopy of the certificate For Official Use only (Rejected/ to be placed before District Task force committee) Reasons (if rejected): Place: Signature, Name and Designation of Officer Date: KVIC/ KVIB/DIC
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Page 26 of 234
IDENTIFICATION OF POTENTIAL BENEFICIARIES
MWCD AWWA NYKS Panchayat Institutions SC/ST/Min ority Corp. Hoarding Electronic Press Advertisement Media
Identification of Potential Beneficiaries
Orientation Programme Awareness Camp Workshop Seminar etc..
Screening of Applications By Dist. TFC
Skill Development Training if need
Page 27 of 234
FLOW CHART – FUNCTION OF TASK FORCE COMMITTEE
KVIC KVIB DIC
Data Data Updation Entry
TASK FORCE COMMITTEE
Decision of Committee
Application Process
Convener of TFC Financing Bank
Page 28 of 234
FLOW CHART – EDP TRAINING
KVIC KVIB DIC
Financing Bank
Sanction Rejection
To be trained Already Trained
EDP TRAINING CENTERS
Release of Loan
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FLOW OF GOVT. SUBSIDY
MINISTRY OF MSME
KVIC MUMBAI
KVIC Field Offices
KVIB DIC
NODAL BANK
FINANCING BANK
BENEFICIARIES
Page 30 of 234
FLOW CHART - PHYSICAL VERIFICATION
KVIC KVIB DIC
Verification List of Report Beneficiary
STATE DIRECTOR KVIC
Verification Report Consolidated List of Report duly Beneficiaries Certified by SO
PHYSICAL VERIFICATION AGENCY
Payments
KVIC Letter for Subsidy CENTRAL OFFICE Adjustment
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REPORTING SYSTEM
1. GroupWise No. of Projects. 2. Govt. Subsidy Utilization 3. Employment Generated 4. Financial Range wise Projects 5. Social Category wise Projects 6. Social Category wise Govt. Subsidy Utilization 7. Social Category wise Employment 8. Progress under Backward and Forward Linkages
KVIB DIC Div. Office KVIC
KVIC FIELD OFFICE (After Including KVIC Report)
KVIC MUMBAI
Ministry of MSME
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A
OPERATION OF BANK ACCOUNT UNDER PMEGP SCHEME
1. INTRODUCTION :
The Prime Minister's Employment Generation Programme is being implemented w.e.f. financial year 2008-09 by the Ministry of MSME, Govt. of India, New Delhi with Khadi & V.I. Commission being the Nodal Agency for implementation of the scheme. Under the scheme, Govt. Subsidy ranging from 15% to 35% will be provided for the projects financed by the Bank to the beneficiary. For the purpose, the Ministry of MSME will provide funds on yearly basis to KVIC.
2. Releases from the Ministry of MSME : i) The Ministry of MSME will release amount of Govt. Subsidy on installment basis to KVIC as per the allocation made for the year by the Government. ii) For releases of said funds, KVIC will put a demand before the Ministry. The said demand should be based on the target fixed for the year.
3. Flow of Funds from KVIC to field offices : i) Immediately after receipt of funds from the Ministry, the KVIC will release proportionate amount to all the State and Divisional offices of KVIC based on the target fixed for the States. The said release will be made after following the procedure as made in the KVIC Act. ii) A separate Bank account as main account i.e. KVIC-SO-PMEGP Savings Bank Account will be opened by all State offices for the purpose and all sorts of releases to PMEGP will be operated through this accounts only. Likewise, Divisional offices of KVIC will open main account on PMEGP known as KVIC-DO-PMEGP in the town where the Divisional Office is situated. iii) No other Bank accounts including the REGP Bank accounts already in operation at State / Divisional offices should be clubbed with this account and any return / refund / resource generation received by the State / Divisional offices on REGP should not be kept in the PMEGP Bank accounts. It has to be a separate account for PMEGP only.
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4. Opening of Nodal Branch Accounts : i) The State Director in consultation with the lead Bank of the State,CEO, KVIB and Director, Industries of State Government will open three separate SB Accounts in the name of KVIC- PMEGP, KVIB-PMEGP and DIC-PMEGP in one Nodal Branch of each Nationalized Bank after obtaining advance stamped receipt from the authorized officers of KVIB and Director (Industries) of the State. ii) It is not compulsory to open accounts in Nodal branch of each Bank. It will be opened only on the basis of requirement and the Bank’s operation considering the anticipated projects to be sanctioned by them, area of operation in the State, availability of number of branches etc. In other words, account will be opened only in the Banks who are likely to finance PMEGP projects and are expected to avail the Govt. Subsidy for those projects. iii) The Nodal Branch accounts should be in the State Capital only. iv) In case of Divisional offices of KVIC, only Nodal Branch account in the name of KVIC- DO- PMEGP will be opened in each Nationalized Bank as per their requirement within the jurisdiction of the Divisional offices will be opened and operated. However, the location of the Bank account of Nodal branch should be in the city/town where the Divisional office is located. This is for the purpose that the Divisional office will sanction Govt. Subsidy only in case of projects in respect of KVIC only. v) After opening of Nodal Branch Bank accounts, the same will be intimated by the State Director to the CEO, KVIB and Director, Industries with details like Bank account number, address of the Nodal branch and amount deposited etc.
5. Operation of Nodal Branch Bank Account : i) The State Director, KVIC will operate the KVIC Nodal branch Bank accounts either directly or through his authorized officer/s not below the rank of Asstt. Director. ii) In case of KVIB Nodal Branch Bank accounts and Director of Industries Nodal Branch Bank accounts, the said accounts will be non-operative accounts (without cheque facility) as previously in REGP. The State Director, KVIC will authorize the authorized officer/s of KVIB and Directorate of industries to operate their respective accounts through letter of transaction i.e. for transferring funds from Nodal Branch to Financing Bank. iii) Interest earned on the said accounts should be transferred to KVIC Main Accounts at State Level from time to time. This interest should not be utilized towards the payment of Govt. Subsidy.
Page 34 of 234 iv) The release of Govt. Subsidy to the Financing Branch from Nodal Branch will be made as per provisions of the Scheme. v) The Nodal Branch Bank accounts is to be operated exclusively for the purpose of release of Govt. Subsidy to the financed project and not for any expenditure under Backward Forward Linkages like EDP, Exhibition etc. The said expenditure under Backward Forward Linkages will be operated from separate accounts to be opened by KVIC, KVIB and DICs.
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B
FUNCTIONING OF DISTRICT TASK FORCE COMMITTEE
1. Introduction:
I. The Prime Minister's Employment Generation Programme is being implemented w.e.f. financial year 2008-09 by the Ministry of MSME, Govt. of India, New Delhi with Khadi & V.I. Commission being the Nodal Agency for implementation of the scheme. The scheme is being implemented through KVIC and KVIB's of the States in the rural areas and through DIC's in both Rural and Urban areas with an objectives to develop "An improved system of identification of beneficiaries". II. It has been decided to have a transparent system of scrutiny of applications at the first stage, so that right beneficiaries are identified for availing bank loan for their project. Proper identification of beneficiaries with required skill, knowledge, attitude and aptitude will help in efficient management of the unit/enterprise and sustainability of the same in long run for the purpose. Starting from inviting applications to forwarding of the project to the bank will be made through a committee known as "District Task Force".
2. Inviting Applications : I. The State Director, KVIC of the concerned states will issue an advertisement through local print and electronic media i.e. Regional News Papers, local T.V. Channels, Radio etc. for wider publicity at periodical intervals inviting applications from potential beneficiaries for sanction of projects under PMEGP Scheme. Details of office address of KVIC/KVIB/DIC may also be given for submission of applications, to enable the beneficiaries living in remotest area. III. Apart from issuance of advertisement to the effect, the State Director may also take help of NYKS, SC/ST/Minority Finance & Development Corporations, MWCD, AWWA, Panchayati Raj Institution etc. for mobilization of applications and forward the same to the designated authorities.
IV. A standard Application format and advertisement have been devised by KVIC and all the prospective entrepreneurs may be instructed to apply in the said format only which is enclosed.
IV. Based on the standardized format of applications and advertisement in English, the concerned State Director may get it translated into regional language and issue advertisement accordingly.
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V. Under the PMEGP Scheme, a beneficiary can avail Govt. subsidy either through KVIC or KVIB or DICs. While submitting applications, the beneficiary may have to make a choice in this regard and it should be clearly mentioned in the application format. VI. Based on his choice of availment of Govt. Subsidy on his project, the beneficiary will have to submit the application either at KVIC or KVIB or DIC for the purpose.
3. Preliminary scrutiny of applications 1. A preliminary scrutiny may be made at the initial stage by the concerned State/Divisional Director in case of KVIC, authorized officer/Committee in case of State KVIB and DICs so as to ensure the fulfillment of laid down criteria, if any fixed. It may be ensured that the beneficiary has not taken benefit of any other subsidy scheme of Central / State Govt. and if so, the said applications may be out-rightly rejected. The said applications will be kept in custody of the rejecting officer/committee and a summary of such cases alongwith reason be placed before the District Task Force for their final approval/ rejection. Only the District Task Force will have the power to reject any application.
2. All the applications received by KVIC/KVIB/DIC will be placed before District Task Force.
4. District PMEGP Task Force : I. A District Level “District PMEGP Task Force” for the purpose of scrutiny of applications and finalizing the beneficiaries to be sanctioned with project under PMEGP Scheme will be formed. The Committee consists of the following members : a. District Magistrate/Deputy Commissioner/Collector - Chairman b. Lead Bank Manager - Member c. Representative of KVIC - Member d. Representative of KVIB - Member e. Representative of DIC - Member f. Representative of NYKS/SC/ST/Women Corpn. - Spl. Invitee g. Representative of MSME-DI/ITI/Polytechnic - Spl. Invitee h. Representatives from Panchayats - 3 members (To be nominated by Chairman/Dist.Magistrate/ Dy. Commissioner /Collector by rotation. every year)
i. General Manager, DIC or Rep. of KVIC or Rep. of KVIB - Member Convenor
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NB : 1)The Committee will meet once in two month or as decided by the Chairman of the Committee i.e. District Collector based on the target of the district and the no. of applications received.
II. All the applications collected from different sources i.e. KVIC/KVIB and DIC will be placed by the Member Convener of the Committee for consideration before the committee. III. The Committee will scrutinize applications and will either accept or reject as the case may be. IV. Based on the final list of applications found eligible, the Committee will start finalizing the applications for recommendation to banks based on the target and Govt. subsidy sanctioned. Under no circumstances, the no. of applications forwarded and subsidy involved should exceed the proportion of the sanction made in favour of that particular district in respect of Govt. subsidy. The process should be completed within a period of 30 days positively except in situation like natural calamities, or any other emergent situation in the district like elections and law and order problem etc.
5. Selection Procedure
I. The Committee will decide the applications on the basis of 1) The information provided by the prospective beneficiary in the applications itself and 2) By conducting personal interview of the person concerned. II. The recommendations of beneficiary for sanctioning purpose will be based on technical qualification, skill, past experience, geographical location and aptitude of the person in case of projects in manufacturing sector. In case of Service Industries, locational advantage, demand of that Service/Business in that particular area and aptitude of the person will be taken into consideration.
III. The District Task Force must take into consideration the reservation made by the Govt. in respect of Weaker Sections of Society such as SC/ST/OBC/Women/PHC/Minority/Ex- Servicemen etc. while making the recommendations. The said criteria may be strictly followed. To encourage different type of industries, the Group Industrywise projects criteria as fixed by the Commission from time to time should also be adhered. The purpose is to provide proper representation in PMEGP
Page 38 of 234 Scheme both in social category as well as proper spread of various industry.
IV. However, in case sufficient no. of eligible candidates are not available in a particular category and Govt. subsidy may remain unutilized, the District Task Force in the last quarter may recommend the projects of other Category candidates for sanctioning purpose. The objectives are to fully utilize Govt. subsidy amount, establishment of projects and generate employment thereby.
6. Colour Coding: i) Once the list of beneficiaries are finalized by the District Task Force, the applications are to be bifurcated on the basis of the beneficiary choice of organization for availing Govt. Subsidy facility i.e. KVIC, KVIB and DIC. ii) The colour form for KVIC should be White, for KVIB it is yellow and for DIC it is sky blue. iii) The concerned State Office of KVIC/KVIB/DIC should print the colour forms in sufficient number from time to time. The expenditure for printing will be met out by the funds being provided for Publicity under Backward & Forward Linkages .
7. Minutes of the meeting I. The minutes of the meeting should be prepared by the Member Convenor and duly signed by all the members present in the meeting.
II. The minutes should consist the following. a) No. of members present in the meeting alongwith date and venue b) No. of applications received. c) No. of applications rejected at the time of scrutiny and the reasons thereof in clear terms. d) No. of applications rejected after interview and the reasons thereof in clear terms.
e) No. of applications recommended showing name, address, project name of the financing branch, qualification details etc. in a chart form.
f) Chart showing social categorywise, industrywise beneficiaries, proper representation to all corners of the district.
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8. General
I. After the decision by the District Task Force, the Member Convener will forward those applications to the concerned State/Divisional offices of KVIC/State KVI Boards and DICs for forwarding the same to the financing branch as per the choice made by the applicant within 7 days of the meeting. The concerned offices will forward the same to the financing branch within 7 days of the receipt of the same. In case no such choice of the financing branch and bank is made by the applicant, respective offices may forward the same to the nearest branch of any bank close to the residential address/site of the project of the beneficiary. II. Recommendations made by the District Task Force does not entail a person to be automatically selected for financing by the Bank and availment of Govt. subsidy. He/She has to fulfill the other conditions to be fixed by the Bank for financing purpose. However, the said conditions should be realistic and the bank may provide the reason either to the District Task Force or to the Lead Bank Manger, so that the same can be discussed in the next District Task Force for a final decision in the matter. VI. From receipt of applications to forwarding of the same to financing branch, all the data should be entered into Online Tracking Application System devised by KVIC . A separate guidelines on the same is being issued shortly. VII. The time frame for selection and forwarding should be strictly adhered to. VIII. Identification proof such as Voter Card, Ration Card as required under law should be made compulsory and be produced at the time of interview and duly attested zerox copy of the same should be provided by the beneficiary at the time of application. IX. The documentation from receipt of applications to forwarding of applications should be done on Online Basis providing necessary details, for which guidelines are being issued separately. Till the on line process is being operational, it may be done manually.
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C
ENTERPRENEURSHIP DEVELOPMENT PROGRAMME FOR PMEGP BENEFICIARIES
1. INTRODUCTION :
Ministry of Micro, Small & Medium Enterprises, Govt. of India in a revolutionary step has decided to merge both the Central sponsored subsidy scheme i.e. PMRY and REGP into one scheme named as ‘Prime Minister Employment Generation Programme’ (PMEGP). As per the operational guidelines, a beneficiary has to undergo mandatory two weeks Entrepreneurship Development Programme (EDP) before release of first installment of the loan. Previously, the said training for REGP beneficiaries is of 3 days duration and the beneficiary has to undergo the training after release of first installment of loan. The main objective of the training programme is to motivate, inspire, develop confidence and build capacity for establishment of an enterprise, manage and sustain the unit successfully.
2. OBJECTIVES:
• To impart knowledge on the concept of entrepreneurship, its challenges and prospects • To develop entrepreneurial competencies of viz., achievement motivation, risk taking ability, confidence, goal setting ability of the potential entrepreneurs. • Impart knowledge on procedure and formalities of setting of an enterprise/ business. • Develop skills on management of a unit/ business establishment including financial and marketing. • To impart knowledge on identification of business opportunities and preparation of business plan.
3. DURATION :
Two weeks (10 working days)
4. ELIGIBILITY :
Beneficiaries of PMEGP scheme whose projects have been sanctioned and the first installment have not been released. The training programme is mandatory for release of first installment of loan to the selected beneficiaries of PMEGP scheme.
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EXEMPTION :
Beneficiaries who have already undergone similar training at any EDP institute of repute i.e. National or State level for a period of minimum 2-3 weeks are exempted from attending the said training.
5. ELIGIBLE INSTITUTIONS FOR IMPARTING TRAINING:
Departmental Multi Disciplinary Training Centers of KVIC and KVIBs. Non-departmental Training Centers functioning under the administrative control of KVIC and KVIBs. Training Institutes / EDP institutes/ Educational Institutions accredited by KVIC for the purpose. Recognised Training Institutes of District Industries centers.
N.B : A list of accredited training institutes for the purpose may please be seen at web-site www.pmegp.in
6. CURRICULUM:
The topics to be covered during the course includes:-
i) Becoming an entrepreneur ; Challenges ahead ii) Entrepreneurial competencies; Achievement motivation and Attitude building, developing confidence. iii) Establishment of an enterprise; identification of Business opportunity and business plan preparation. iv) Enterprise management ; v) Managing the scarce finance; financial planning and accounts maintenance. vi) Marketing the product; vii) Statutory laws, rules and regulations of Government to be followed/ abide by the entrepreneur. viii) Expansion, growth and sustainability of the enterprise;
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7. COURSE PLAN: DURATION –TWO WEEKS. PERIODS - 40
1st Session - 09.30 to 11.15 hrs. TEA BREAK 2nd Session -11.30 to 01.15 hrs. LUNCH 3rd Session - 14.00 to 15.45 hrs TEA BREAK 4TH Session -16.00 to 17.45 hrs.
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Days 1st Session 2nd Session 3rd Session 4th Session 1 Registration & Rapport Entrepreneurship; Characteristic Inauguration building s of an Charms & & entrepreneur; Challenges Unfreezing A matter of
attitude and skill. 2 Internalizing of Continued Continued Continued entrepreneur competencies; Thematic Appreciation test ( TAT) 3 Risk Taking Problem solving Communication Leadership behavior and creativity 4 Business plan Establishment Legal formalities for Resource preparation of an setting up of the mobilization enterprise; unit and support Systematic system; Role approach of supporting organizations. 5 Managing the Quality Design and Packing Manpower enterprise; management management Purchasing, inventory/ material management. 6 SATURDAY: Visit to a Small Scale Industry preferably run by a successful entrepreneur. 7 SUNDAY: 8 Accounts & Book- Continued Working capital Break even keeping: management. analysis 9 Costing, Pricing and Marketing Continued Customer profit management. strategy and management. Sales Techniques. 10 Time Management Sustainability Enterprise growth; Continued of an unit; Product Precautions diversification and needed expansion 11 Crisis management. IT factor for Union & State laws Continued. managing an to be followed by an unit; An unit; Sales Tax, Vat, impending Income Tax etc. need 12 Interaction with a Continued Programme Valedictory successful Evaluation entrepreneur/s; his experience of establishment / managing an unit. Total working days : 10 One day for study visit
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8. BATCH SIZE : 20 Trainees per batch. 9. EXPENDITURE PER BATCH : i) Training Centers of KVIC/KVIB/DIC those who are receiving grant for recurring/non-recurring expenditure either from State or Central Government. a) Boarding – Rs.120 X 20 X 14 days = Rs.33,600/- b) Lodging - Free c) Guest faculty - 35 Session X Rs.500 = Rs.17, 500/- d) Study material - 20 X Rs. 200 = Rs. 4,000/- e) Stationery – 20 X Rs.100 = 2,000/- f) Miscellaneous Expenditure – 20 X Rs.200 = Rs.4, 000/- g) Incentive to institute - Rs.5, 000/- per batch. Expenditure per batch: ii) Training Centres those who are not receiving any grant either from State or Central Governement. a) Lodging of participants including Hall charge - Rs.1,000/- per day i.e. 15 days = Rs. 15,000/- b) Boarding - Rs.120 X 20 X 14 days = Rs.33,600/- c) Guest faculty - 35 Session X Rs.500 = Rs.17, 500/- d) Study material - 20 X Rs. 200 = Rs. 4,000/- e) Stationery – 20 X Rs.100 = 2,000/- f) Miscellaneous Expenditure – 20 X Rs.200 = Rs.4,000/- g) Incentive to institute - Rs.5, 000/- per batch.
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SUM TOTAL OF EXPENDITURE PER BATCH (In Rs.) Sr.No. Head of KVIC/KVIB Accredited Expenditure Training Training Centres Centers 1 Lodging of Free 15,000 Participants 2 Boarding 33,600 33,600 3 Guest faculty 17,500 17,500 4 Study material 4,000 4,000 5 Stationery / Printing 2,000 2,000 etc. 6 Misc. expenditure 4,000 4,000 7 Incentive to Institute 5,000 5,000 TOTAL : 66,100 81,100
Inter change of expenditure from one head to another is permitted within overall allocation.
Per head expenditure at KVIC/KVIB/DIC Training Centers who are receiving grant either from State or Central Government : Rs.3,305/- Per head expenditure at Training Centers who are not receiving any grant either from State or Central Government :Rs.4,055/-
10. EVALUATION: i) Immediately after completion of EDP, the participants may be instructed to fill up the Evaluation Form in the format provided to them in the last day of programme. ii) The evaluation format should be submitted to KVIC officials only. ii) Based on said Evaluation Reports submitted by the participants separately, the course evaluation reports will be prepared by the state/ divisional director and it may submitted to the Director, PMEGP and Director, HRD within 15 days of the completion of the course. 11. GENERAL : i) Banks will sponsor beneficiaries for EDP training either to Departmental and non-departmental training centres of KVIC or to the accredited training centre. Once the training is completed, training centre will have to send the expenditure statement duly certified to the concerned State Office of KVIC. ii) The expenditure on EDP will be reimbursed by concerned State Office, KVIC directly to EDP training centre.
Page 46 of 234 iii) While inviting guest faculties, preference and best efforts should be made to invite persons having requisite qualifications and experience needed for the particular topics. Further Government officials and entrepreneurs having long experience may be invited for delivering lecture on the topics such as taxation laws, laws to be followed for establishment of an enterprise etc.
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D
PMEGP Online Application Tracking System
The Directorate of Information Technology, Khadi & Village Industries Commission, Mumbai has designed and developed the web based PMEGP online application tracking to monitor the scheme and also tracking the status of application at beneficiary level. The system will facilitate to view the application status at any point of time through internet and generate various reports from time to time by implementing agencies, KVIC central office and Ministry of MSME. The system can track the status of application right from submission and till adjustment of Govt.Subsidy.
SEPARATE GUILDLINES ON THE SYSTEM IS BEING ISSUED SHORTLY
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E
PHYSICAL VERIFICATION OF PMEGP UNITS
Ministry of Micro, Small & Medium Enterprises, Govt. of India in a revolutionary step has decided to merge both the Central sponsored subsidy scheme i.e. PMRY and REGP into one scheme named as ‘Prime Minister Employment Generation Programme’ (PMEGP). The REGP scheme was in operation till 31-3-2008. As per the guidelines of PMEGP Scheme the physical verification of the units established is compulsory. The said verification is to be completed in respect of the units within 24 months of establishment of the units. Considering the limitations of manpower, it has been decided to conduct physical verification by outsourcing reputed National / State level agencies.
SEPARATE GUILDLINES ON THE SYSTEM IS BEING ISSUED SHORTLY
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F REPORTING AND MONITORING
1. Introduction:
The Prime Minister's Employment Generation Programme is being implemented w.e.f. financial year 2008-09 by the Ministry of MSME, Govt. of India, New Delhi with Khadi & V.I. Commission being the Nodal Agency for implementation of the scheme. As per the guidelines of the scheme Ministry of MSME will be the Controlling and Monitoring Agency for implementation of the Scheme. KVIC being the Nodal Agency for implementation will report to the Ministry on periodical basis which will be reviewed and further suggestions, change or modification for smooth implementation of the scheme will be made by the Ministry. 2. Reporting : i) The PMEGP Scheme will be implemented in the field through KVIC, KVIB and DICs of State Government. Statewise targets will be allocated to them on yearly basis and the said target will be reallocated Districtwise & Bankwise as per approved criteria in consultation with State Level Bankers Committee. ii) KVIB and DICs of the States will report to the State Director, KVIC of the concerned States on monthly basis on the performance / achievement made by them in the particular month in a prescribed format . The said report invariably reaches the State Director latest by 3rd of every month for the previous month. iii) The said information includes a) Achievement in respect of Group wise number of projects b) Govt. Subsidy utilization c) Employment Generated d) Financial Range wise and Social Category wise projects.
e) Social Category wise Govt. subsidy utilization and Employment generated. f) Progress under Backward and Forward Linkages g) In case of non achievement of targets, reasons to be specified and action plan for completing the backlog.
Page 50 of 234 iv) The said information should also be put in the web based reporting system devised by KVIC. v) The concerned State Director, KVIC by including its performance of the reporting month will prepare a consolidated report and send it to the Director (REGP/PMEGP) latest by 5th of every month.
vi) The Divisional Offices of KVIC will send the performance report directly to Director (REGP/PMEGP) latest by 5th of every month. vii) The State / Divisional offices of KVIC will send the performance report every month only through web based reporting system. viii) The Director (REGP/PMEGP) will scrutinize and consolidate treports received from State and Union Territories. A Statewise consolidated report will be sent to Ministry of MSME latest by 10th every month.
3. Monitoring
There will be four tier monitoring system on implementation of the scheme. A) State Level B) Zonal Level C) National Level D) Ministry of MSME level
A) State Level Monitoring i) There will be State Level Monitoring committee which will consists of the following members for reviewing the performance of PMEGP scheme.
a) Principal Secretary/IDC, Dept. of Industries - Chairman b) Director of Industries - Member c) CEO, KVIB - Member d) Rep. of major public sector Banks in the State - 5 Members e) Rep. of SC/ST Corporation - Member f) Rep. of Dept. Panchayati Raj - Member g) Rep. of State Women Dev. Corp. - Member h) Divisional Directors of KVIC in State - Member i) Rep. of SIDBI - Special invitee j) Rep. of NABARD - Special invitee k) State Director, KVIC - Member Convenor
Page 51 of 234 ii) The State Level Monitoring Committee will meet at least once in a quarter. iii) The functions of the committee includes a) to review the performance / achievement made in implementation of PMEGP by KVIC / KVIB / DIC separately in the quarter. The review should focus on total achievement in relation to target, imbalance, if any in social category wise, industry wise and Area wise and action taken from wider publicity of the scheme.
b) Suggest ways for improving performance and to correct the imbalances, if any.
c) The Committee should ensure that the performance of PMEGP are regularly reviewed in the District Consultative Committee (DCC) / District Level Review Committee (DLRC) headed by District Collector / District Magistrates by including it as permanent agenda point.
d) Reviewing the reporting system made by KVIC, KVIB and DICs. e) To review the sanction made by the Bank in relation to the recommendations made by District Task Forces. f) Imparting of EDP training to selected beneficiaries. g) Any other matter related to PMEGP scheme. iv) The expenditure on the meeting of the said committee will be met out by the State Office, KVIC as per approved guidelines.
B. Zonal Level Committee i) The Zonal Level Committee will review the performance / achievement made in the PMEGP scheme. The said committee comprises of following members :
a) Chief Executive Officer, KVIC : Chairman b) Director of Industries in each State of the Zone : Members c) CEOs of State / UTs KVIBs : Members d) Lead Bank Managers of each State : Members e) State / Divisional Directors of each State : in the Zone : Members f) Zonal Dy.C.E.O. of KVIC : Member Convenor
Page 52 of 234 ii) The committee will meet atleast once in a quarter. iii) The functions of the committee includes a) to review the performance / achievement made in implementation of PMEGP by KVIC / KVIB / DICs of each State in the Zone separately on quarterly basis. b) Reviewing the reporting system made by KVIC, KVIB and DICs. c) To review the sanction made by the Bank in relation to the recommendations made by District Task Forces. d) Imparting of EDP training to selected beneficiaries. e) Any other matter related to PMEGP scheme. iv) The expenditure on the meeting of the said committee will be met out by the State Office of KVIC in the Zone where the meeting is being held as per approved guidelines for Backward & Forward Linkages.
C. National Level Committee i) The National Level Monitoring Committee consists of following Members : a) Hon’ble Chairman, KVIC : Chairman b) Chief Executive Officer, KVIC : Member c) Financial Adviser of KVIC : Member d) Rep. of MSME : Member e) CMDs of all Public Sector Banks : Members f) CEOs of State/UT KVIBs : Members g) Director of Industries of State Govts. : Member h) Rep. of RBI : Member i) Zonal Dy.C.E.O.s of KVIC : Members j) Director, REGP/PMEGP : Member Convenor ii) The Committee will meet once in six months. iii) The functions of the committee includes :
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a) To review the performance / achievement made in implementation of PMEGP, Statewise / Bankwise.
b) Suggesting policy measures and changes for smooth implementation of the scheme.
c) Any other matter in relating to implementation of PMEGP with permission of Chair. iv) The expenditure on the meeting of the said committee will be met out by Director, REGP/PMEGP as per approved guidelines.
D. Monitoring by Ministry of MSME, Govt. of India. The meeting will be chaired by Secretary, Ministry of MSME, Govt. of India to review and monitor the overall implementation PMEGP Scheme in the country and to take policy decisions. Following are the participants :
a) Principal Secretaries /IDC of Dept. of Industries of all State Governments/ U.T. Administrations b) Chief Executive Officer, KVIC c) CMDs of all Public Sector Banks
The expenditure on the meeting, any other meetings being conducted by the Ministry in connection with PMEGP scheme and also the advertisement being issued by the Ministry of MSME on PMEGP will be met by the KVIC out of funds available under Backward & Forward Linkages head of PMEGP.
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GUIDELINES FOR ALLOCATION OF TARGETS G
1. Statewise Target Allocation will be made by Central Office, KVIC, Mumbai. The total subsidy sanctioned by the Ministry of MSME under PMEGP, 10% of the same is earmarked for giving additional subsidy dose to backward States. Out of remaining, 60% will be implemented through KVIC and KVIB in rural areas and remaining 40% will be implemented through DIC in both rural and urban areas.
2. The total subsidy has been allocated on 60:40 basis between KVIC, KVIB and DICs to all State / UTs proportionately on the basis of total population of the State / UT as per Census of India 2001.
3. In case of KVIC field offices / KVIBs, 60% of the allocation is reallocated on the basis of rural population of the State, Backwardness of the State (based on 250 backward Districts identified by Planning Commission) and past performance of the State under REGP Scheme. Similarly, remaining 40% of the allocation for assigning the targets to DICs, the criteria adopted is backwardness of the State (based on 250 backward districts identified by Planning Commission), urban unemployment level (as reflected in the Planning Commission’s report (2002) on “Special Group on Targeting Ten Million Employment Opportunities As per Year” and Rural Population of the State.
The 10% of total kept for giving additional dose to backward States have been allocated for both KVIC / KVIB and DICs proportionately as per backwardness of the States.
The approximate weightages assigned for determining the targets to the implementing agencies are given below : Criteria Weightage for determining targets KVIC /KVIBs DICs
1. Rural population of the State 40% 30% 2. Backwardness of the State 30% 40% 3. Urban unemployment level -- 30% 4. Past performance of REGP 30% --
4. Reallocation of targets at State Level i) After receiving the Statewise targets, the State / Divisional Director, KVIC, CEO / UT KVI Board and Director of Industries of respective State Govts. will jointly reallocate the States target among the
Page 55 of 234 Districts in consultation with SLBC. If needed, SLBC may be requested for a special meeting for this purpose. ii) While allocating the targets Districtwise, for KVIC and KVIB, the criteria to be adopted is rural population of the District, Backwardness of the District and past performance of the Districts under REGP Scheme. In case of DICs, backwardness of the District, urban unemployment level and rural population of the District may be taken into consideration.
The approximate weightages assigned for determining the targets to the implementing agencies at District level are given below :
Criteria Weightage for determining targets KVIC /KVIBs DICs
1. Rural population of the District 40% 30% 2. Backwardness of the District 30% 40% 3. Urban unemployment level at -- 30% District 4. Past performance of REGP in the 30% -- District
5. The targets allocated to KVIC and KVIB are bifurcated on 50:50 basis except in the State of Jammu and Kashmir, Goa, Mizorum, West Bengal and Nagaland. In these States, the targets between KVIC and KVIB are allocated in the ratio of 30:70.
6. The calculation of number of projects, the average subsidy per project is taken as Rs.1.20 lakhs.
7. For calculation of employment, the average employment per project is estimated at 10 persons.
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H SPECIMEN ADVERTISEMENT FOR INVITING APPLICATIONS
For creation of Self Employment Opportunities, Khadi and V.I. Commission is implementing Prime Minister’s Employment Generation Programme (PMEGP).The Scheme aims at establishment of new enterprise to be financed by the Bank. Subsidy ranging from 15 % to 35% will be provided on the Project cost of the unit.
Applications are invited from Unemployed Youths above the age of 18 years in the prescribed format available with Office of KVIC ______or KVIB ______and all District industries Centres.
The application can also be downloaded from KVIC website- www.kvic.org.in.
Persons or their family members already availed subsidy/ Margin Money under PMRY/REGP or any other central/State subsidy scheme are not eligible.
State Director
Note : May be translated in Regional language and be advertised.
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I
BACKWARD AND FORWARD LINKAGES
DISTRICT LEVEL AWARNESS CAMPS :
These camps are to be arranged jointly by KVIC/KVIB/DIC in the district. 1. Participants
i) KVIC officials ii) State KVIB officials iii) DIC officials iv) Revenue Officer v) Local Bank Officials vi) Local NGOs vii) Representatives of Panchayats viii) Prospective Entrepreneurs
2. Duration of Camps
4 to 6 hours
3. Topics to be covered
a) The KVIC official has to explain about KVIC, its aims and objectives, its functions and commitment in the rural and urban areas, the role of DICs, the role of the KVIC in rural industrialization in detail, the significant achievement of KVIC and then make a presentation, preferably through power point about the details of the Scheme and its operation procedure. b) To make aware about different circulars instructions issued on the Scheme by KVIC to the participants, if necessary by providing them copies of thereof. Material/Computer floppy on Scheme’s presentation through Power Point may either be prepared in the Local language or English/Hindi version of the Scheme may be collected from the Central Office to have uniformity of presentation through out the country. However, wherever necessary modification may be made to suite the local requirement. c) After initial introduction as above, the KVIC/KVIB/DICs official has to throw open the subject matter for open house discussion, where they have to give required clarification on the points raised or has to solve the problems faced by the PMEGP entrepreneurs. d) The KVIC/KVIB/DICs official has to introduce a successful entrepreneur in the camp to share his experience with others. e) They should open a discussion on locally available raw material based Industries and on other potential industries in the area.
Page 58 of 234 f) Group wise Industry wise targets already communicated should be discussed based on the locally available raw material and concentration of the market outsourcing, so that the group industry targets can be achieved. g) The officials organizing the awareness camp has to maintain an attendance register and separate register for recording problems raised in the camp and clarification provided by them. The Minutes of the said camp along with list of persons attended the camp be furnished to the State Director and Dy. CEO of the Zone. h) Local cultural programme may be arranged wherever possible. i) The State Director has to furnish feedback about the number of projects received by the Banks as a result of such camp in the Village also needs to be furnished to Director (REGP/PMEGP). If any assistance is provided as a follow up action to the said camp also needs to be prominently mentioned in the feed back report. j) To be ensure that KVIC/KVIB/DIC banner is prominently displayed at the venue of the camp. k) A standard power point presentation CDs both in Hindi and English languages will be prepared with voiceover by the Directorate of PMEGP and sufficient number of CDs will be provided to each KVIC, KVIB and DIC offices for making presentation at District Level Awareness Camps. If needed, same can be translated into regional languages by the respective offices and the expenditure may be met out of Backward & Forward Linkages fund provided to their respective offices.
FINANCIAL PATTERN :
1 Printing of Pamphlets on PMEGP Rs.5000 2 Local Advertisement Rs5000 3 Conveyance Rs.1000 4 Tea/Snacks Rs.3000 5 Contingency Rs.1000 6 Hiring hall/Sound System Rs.4500 7 Hiring of Laptop and projector Rs. 500 for presentation Total Rs.20,000
Interchange of expenditure from one head to another is permitted within overall allocation.
Page 59 of 234 STATE LEVEL WORKSHOP ON PMEGP
These workshops are to be arranged jointly by KVIC/KVIB/DIC in the State.
1 Participants
i) State Government functionaries preferably Secretary/Joint Secretary of Institutional Finance
ii) Secretary/Joint Secretary of Industries Department iii) State Level functionaries of SSI/DRDA iv) The Convener of SLBC v) Regional/Zonal Managers/LDMS of public Sector Banks vi) Chairman of RRBs vii) General Manager of the RBI viii) Managing Director of the Private Commercial Bank approved by the State Task Force Committee for implementation of PMEGP in the state ix) Chairmen of Co operative Banks approved by State Task Force Committee for implementation of PMEGP in the State x) Officials of the NABARD and SIDBI xi) KVI Officials xii) Chairman and CEO/managing Director/Secretary/Executive Officer and other officials of the State KVI Board. xiii) NGOs in the State xiv) General Managers of DICs. xv) DVIO’s xvi) PMEGP beneficiaries.
2. Duration of the Workshop
4 to 6 hours.
3. Topics to be covered
(a) The KVIC official has to explain about KVIC, its aims and objectives, its functions and commitment in the rural and urban areas, the role of KVIB/DICs, the role of the KVIC in rural industrialization in detail , the significant achievement of KVIC and then make a presentation, preferably through power point about the details of the Scheme and its operation procedure.
(b) To make aware about different circulars instructions issued on the Scheme by KVIC to the participants, if necessary by providing them copies of thereof. Material/Computer floppy on Scheme’s presentation through Power Point may either be prepared in the Local language or English/Hindi version of the Scheme may be collected from the Central Office to have uniformity of presentation through out the country.
Page 60 of 234 However, wherever necessary modification may be made to suite the local requirement.
k) After initial introduction as above, the KVIC/KVIB/DIC officials has to throw open the subject matter for open house discussion, where he has to give required clarification on the points raised or has to solve the problems faced by the PMEGP entrepreneurs.
l) The KVIC/KVIB/DIC official has to introduce a successful entrepreneur in the camp to share his experience with others.
m) They should open a discussion on locally available raw material based Industries and on other potential industries in the area.
n) GroupWise industry targets already communicated should be discussed based on the locally available raw material and concentration of the market outsourcing, so that the group industry targets can be achieved.
O) It should be ensured that KVIC/KVIB/DIC banner is prominently displayed at the venue of the camp.
Note
After the State Level Workshop is conducted, the minutes of the said workshop along with attendance sheet and photographs of the workshop is to be submitted to the Director ( REGP/PMEGP ) without fail. Non receipt of such report may result in stoppage of further sanction of funds. In each workshop KVIC’s PMEGPs banner may be prominently displayed.
FINANCIAL PATTERN FOR WORKSHOP
1 Hiring Halls, Chairs etc Rs.50,000/- 2 Hiring of Sound System Rs10,000/- 3 Printing and Stationary Rs..50,000/- 4 Tea/Snacks Rs. 10,000/- 5 Banners/displays Rs. 10,000/- 6 Misc Expn. Rs.2000/- 7 Conveyance Rs. 8000/- 8 Local Advertisement Rs.60,000/- Total Rs.2,00,000/-
Interchange of expenditure from one head to another is permitted within overall allocation.
Page 61 of 234 STATE LEVEL ORIENTATION WORKSHOP FOR STAFF TRAINING:
Since the new scheme is being implemented, the field staffs of KVIC, KVIB and DICs are to be trained in implementation procedure of the scheme. They are to be trained in respect of the guidelines of the scheme, operational procedure and other operational activities so that the scheme can be implemented in right prospective. For the purpose, the state level workshops for training of the staff of KVIC, KVIB, DICs and Banks will be conducted. The expenditure of the meeting will be restricted to Rs.20,000/- per meeting. All these workshops will be conducted during the first years of implementation of the Scheme. Funds for the same will be met out of Backward Forward Linkages funds provided to field offices of KVIC.
Quarterly Bankers Review Meeting
(i) Lead Districts Managers Meeting (LDMs) This will be organized by State/Divisional offices of KVIC jointly with KVIB & DIC. The focus of the meeting will be to inform and aware the Bank officials at LDM level about PMEGP, targets and implementation of the scheme. The KVIC will meet the expenditure for conducting such meeting. The maximum expenditure is restricted to an amount of Rs.25.000/- to meet the relevant expenses.
(ii) Zonal Review meeting To review and monitor the PMEGP scheme, Zonal Review will be conducted quarterly by KVIC in six zones where Representatives of KVIC, KVIB and DIC will participate in the review. Concerned Bank officials will also be invited. KVIC will restrict the expenditure to a maximum amount of Rs.50,000/- per meeting per zone to meet the relevant expenses..
(iii) Top Level Bankers Meeting KVIC will organize the Top Level Bankers Meeting on half yearly basis (in June and December) so that proper monitoring can be done at the beginning and end of the financial year. CMDs/Senior Executives of Nationalize Banks, Representatives of Ministry of MSME, State DICs and KVIBs will participate in the national level Bankers Meeting which will be chaired by Chairperson/CEO, KVIC. The meeting will focus on reviewing the targets and will examine the issues related to policy decisions relating to Banks for implementation of PMEGP. The expenditure will be restricted to a maximum of Rs.5.00 lakhs per meeting.
EXHIBITION
To be organized jointly by KVIC/KVIB/DICs.
Page 62 of 234 Financial Pattern :
• Dist. Level Exhibition @ Rs.1.00 Lakhs and at least 10 PMEGP beneficiaries participation • State Level Exhibition @ Rs.5.00 Lakhs with 25 PMEGP beneficiaries participation • Zonal Level Exhibition @ Rs.20.00 Lakhs with minimum 50 PMEGP beneficiaries participation. • National level Exhibition @ Rs.40.00 lakhs with minimum 100 PMEGP beneficiaries participation.
Duration :
Dist. Level Exhibition Minimum 3 days State Level Exhibition Minimum 7 days Zonal Level Exhibition Minimum 10 days National Level Exhibition Minimum 15 days
For each State/Region/UT, budget is being provided to conduct a fix number of exhibitions and within the same budget it is permitted to conduct more number of exhibitions without any additional budget demanded. S.N. Head of Expenditure Dist. Level State Level Zonal Level National Level 1 Pendal 15,000.00 50,000.00 1,00,000.00 5,00,000.00 2 Printing Material 15,000.00 50,000.00 5,00,000.00 8,00,000.00 3 Display 35,000.00 2,00,000.00 5,00,000.00 7,00,000.00 Demonstration 4 Advertisement in local 25,000.00 1,50,000.00 8,00,000.00 15,00,000.00 Media, Newspaper at the time of Exhibition 5 Misc. Expenditure 10,000.00 50,000.00 1,00,000.00 5,00,000.00 TOTAL 1,00,000.00 5,00,000.00 20,00,000.00 40,00,000.00
Within the budget, interchange of expenditure from one head to another head is permitted.
FOLLOWING AREAS ARE TO BE COVERED :
The Exhibition should preferably be inaugurated through the Hon’ble Minister, Industry Secretary, Development Commissioner or any other similar dignitaries.
All State Government Organizations/NGOs/Officials of the state KVI Boards/DIC's and Banks may be invited for Exhibition.
An arrangement should be made for demonstration of PMEGP products and its sale in the Exhibition.
The buyers-sellers meet may also be arranged at the place of Exhibition.
Page 63 of 234 Half-day discussion should be organized and necessary guidance should be provided on quality control, package and design development. The participants should also discuss on technical upgradation, skill development and technical interface. Participants may be induced to participate in outside State Exhibitions and outside State beneficiaries may be invited for such exhibition and their views and experience in the production/marketing may be shared with other participants of the State. Availability of raw material in outside State at cheaper/reasonable rate for various products may be ascertained and made available to the participants and their interaction may be arranged wherever necessary through the interpreter to overcome the problem of language. Wherever possible technical expert or marketing expert may be invited to guide the participants in removing the bottlenecks of marketing.
Other technical expert personalities such as designers, packagers, printers, federations and marketing experts etc. may also be called for to participate in the discussion to share their views and stress the importance of the subject matters to the participants from sales promotions point of view.
Co-sponsorship for the exhibition may be arranged through local banks, NGOs, NABARD or any other Social Organisation devoted for Rural Development. Detailed report on exhibition alongwith photographs of the event may be sent to Director (REGP/PMEGP).
PROMOTIONAL ACTIVITIES Under Promotional Activities of PMEGP, following areas are to covered : 1. Hording/Banners at important places. 2. Publishing posters on PMEGP. 3. Workshops for KVIB/DIC/Employment Exchange Officers/Gram Pradhans/Panchayats be conducted and insist their active participation in each Workshop and Awareness Camp.
4. Publicity in Electronic and Print Media. 5. Printing of Village Industries directory with beneficiaries details. 6. For all the above activities in each advertisement KVIC name, PMEGP Scheme and Ministry of MSME be compulsory displayed and while sending the reports/photos, the clippings of such advertisement bearing KVIC, PMEGP Scheme and Ministry name be sent to Directorate of REGP/PMEGP in the absence of which no further funds be released.
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PRINTING OF APPLICATIONS ON PMEGP : KVIC/KVIB/DIC offices will arrange for printing of applications, Marin money Claim format, EDP Training format as per colour code i.e. Projects being forwarded to Task Force by KVIC will be in white colour, through KVIB in yellow colour and through DICs in sky blue colour. All the application forms, returns etc. related to beneficiaries is to be printed in respective colour for proper documentation. The expenditure for the same should be met out of B/F Linkages fund being provided to them.
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FORMAT FOR SPONSORING THE BENEFICIARY FOR UNDERGOING EDP TRAINING
ATTESTED PHOTO OF THE BENEFICIARY
1 Name and Address of the beneficiary 2 Name of the Activity 3 Location of the Unit 4 Whether the beneficiary belongs to SC/ST/OBC/Minority/Ex. Servicemen/ PHC/Women OR General 5 Name of Financing Bank with Add 6 Total Cost of the Project C.E. W.C. 7 Amount sanctioned with date 8 If the beneficiary is Institution, Name ______Trust, Co.op Society, Name & Designation of the Representative Designation ______
I hereby sponsor Shri/Smt/Kum ______undergoing EDP training at your Training Institute.
Signature of the Branch Manager (With Seal) Place : Date :
To, 1) The Principal, ______
2) The State/Divisional Director KVIC ______for kind information
...... ( Certificate to be issued by Training Centre )
Shri/Smt/Kum ______sponsored by the above said Bank has undergone 2 weeks EDP Training from ______to ______kindly send the recoupment of the expenditure of Rs. ______at the earliest.
Signature of the Principal/Incharge of the Training Centre Place :
Date :
To, The State Director, Khadi and V.I. Commission, ______
To, The Divisional Director, Khadi and V.I. Commission ______Copy to : The Branch Manger (Financing Branch) ______
Page 66 of 234 J PUBLICITY AND PROMOTIONAL CAMPAIGN FOR PRIME MINISTER’S EMPLOYMENT GENERATION PROGRAMME (PMEGP)
I. OBJECTIVE : To promote and publicize the Scheme of PMEGP among the target audience, i.e., rural artisans and unemployed persons in rural areas as well as bankers, policy makers and related organizations working for rural development.
Utilization of effective medias of mass communication like Print Media including press advertisements, leaflets, posters, etc., Electronic Media including Radio and TV, Out-door Media, i.e., Hoarding, Awareness Camps, etc.
II. ACTION PLAN : To achieve the above objective, it is proposed to go in for the following activities through the field offices of KVIC as well as centralized campaign from the Central Office :
I) ADVERTISEMENT CAMPAIGN : A) Print Media : The Print Media includes the following : a) Newspapers b) Magazines c) Posters, leaflets, etc.
It is proposed to go in for announcement advertisement of half page on PMEGP in leading newspapers of English, Hindi and vernacular newspapers, State-wise, announcing the launching of PMEGP Scheme alongwith its salient features at DAVP rate. This will be followed by advertisements and press features on PMEGP based on the local circulation figures and their reach in rural areas for promoting the scheme. Advertisement will be released on special occasions and events like
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• Independence Day, • Republic Day, • Mahatma Gandhi Jayanti, • Holi, • Consumers Day, • Environment Day, Women's Day etc…
and events like National Exhibitions, Seminars at Vigyan Bhavan, Ashoka Hall, etc. Similarly, advertorials will be published in leading magazines like India Today, Outlook, Frontline, In-flight magazines like Namaskar, Darpan, Swagat, other magazines like Women's Era, Saritha, Grihalakshmi and regional magazines like Malayala Manorama, etc. Leaflets and posters will be printed for promoting PMEGP Scheme which could be displayed in various KVIC/KVIB offices, Banks and distributed in events like Awareness Camps, Workshops, Exhibitions, Seminars, etc. and also in form of mailers in newspapers and clip mail.
B. Electronic Media : The Electronic advertisement will consist of the following : i) Radio jingles ii) TV Advertisement spots iii) TV Strips iv) Sponsoring Programmes like Question- answer on PMEGP. v) Interviews of Chairperson, CEO, etc. vi) TV Serial on PMEGP. vii) Short film on PMEGP taking in success stories of REGP and projecting the future potential of PMEGP and its benefit for rural India. viii) Advertisement on Internet in various sites like Yahoo, google, redifmail, msn.com, etc. DAVP rates will be insisted on all electronic and print media advertisements.
Page 68 of 234 C. Out-door Publicity : Out-door Publicity will be through following methods : i) Hoardings at Airports, Railway Stations, Bus-stands, etc. ii) Flex banners iii) Translites iv) Bus panels v) Train panels vi) Advertisement on train tickets The hoardings will be put up before Collectrate Office, Bus- stands, Block Panchayats and Railway Stations or Panchayat Office at District level for promoting the scheme of PMEGP. Hoardings will also be put up in all Airports of all State Capitals. The hoardings will be installed locally by the concerned State/Divisional Directors of KVIC/KVIB/DICs. The creative will focus on PMEGP Scheme and invite unemployed artisans and rural people to avail the benefit of the Scheme which shall be prepared with the help of professional advertising agencies.
III. PRESS CONFERENCE AND PRESS PUBLICITY: Adequate coverage will be given for promoting PMEGP in the form of features and articles. For this purpose, regular press interaction, press meets and press conferences will be organized coinciding with events, achievements, etc. A professional in the area of press liaison and media relations will be engaged on contract basis for this purpose.
IV. PRINTING OF PUBLICATIONS, LITERATURES, ETC.: It is proposed to bring out following literature/publications for promoting PMEGP :- i) 200 project profiles for benefit of potential beneficiaries. ii) Leaflet in English and Hindi and local vernacular language on PMEGP and its salient features. iii) A Hand Book on PMEGP and its operational modalities for the benefit of KVIC and KVIB field offices and banks. iv) A Book on Success Stories on REGP Units which could be a motivating factor for potential PMEGP beneficiaries.
Page 69 of 234 V. SETTING UP OF PMEGP WEBSITE : REGP/PMEGP Website has already been designed and is in the process of finalization. The site will feature all relevant circulars, policy guidelines as well as data base of REGP Units and their products. This will also feature new events, policy circulars, details of major achievements, progress report, etc.
VI. AWARENESS CAMPS/PEOPLE’S EDUCATION PROGRAMME : For promoting PMEGP Scheme effectively in rural areas, it is proposed to organize awareness campaigns at district-level by involving following agencies : i) Panchayat Raj Institutions. ii) Nehru Yuva Kendra. iii) Women Development Organizations. iv) State-level SC/ST and Minority Development Organizations. v) Rajiv Gandhi Udyami Mitras vi) Banks. vii) KVI institutions. The focus of the campaign will be to orient rural youth including women with focus on SC/ST and Minorities on PMEGP and motivating them to avail the benefit of the Scheme for self-employment. It is proposed to have atleast one campaign in each district, i.e., 603 campaigns per year which can be organized by KVIC, KVIB or a reputed NGO including Khadi Institution. Banks will also be involved to brief about the Scheme and monitor the proposals received out of such campaigns. A detailed list of the potential beneficiaries will be maintained by the concerned State/Divisional Office of KVIC and application forms will be distributed to collect the data of the potential beneficiary and through details of the project he/she is interested to set up. Screening will be done by local Committee of the applications so received and the screened applicants can be provided training/skill development through nearby MDTC or accredited centers after which they shall be provided the support in project formulation and then project will be submitted to banks for sanction. The Banker will also be involved in the local Committee so as to ensure sanction of viable projects under PMEGP.
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Funds available with the Directorate of Publicity, KVIC, Mumbai and with the State Governments under Publicity head may also be utilised for the purpose of promoting PMEGP scheme.
Page 71 of 234 KHADI AND VILLAGE INDUSTRIES COMMISSION 3, IRLA ROAD, VILE PARLE (WEST), MUMBAI 56.
NO : PMEGP/Policy/M-939/08-09 Dt : 10/04/2008
C I R C U L A R
Sub : Introduction of Prime Minister Employment Generation Programme (PMEGP) in place of Rural Employment Generation Programme and PMRY – reg.
Further to this office Circular No. REGP/Gen/M-34/07-08 dated 31/3/2008 wherein it was instructed that REGP Scheme will cease to exist w.e.f 1/4/2008 and no proposal are to be accepted or sanctioned under REGP w.e.f. 01-04-2008, Ministry of MSME vide its letter No. G-21013/6/2007-KVI dated 01-04-2008 has communicated the following guidelines for compliance :-
(i) REGP in its present form will cease to exist w.e.f. 01-04-2008.
(ii) Applications, if any, received after 31-03-2008 can be considered under the PMEGP after its formal approval and launching around May-June, 2008.
(iii) State Offices of KVIC/KVIBs and other implementing agencies of REGP including Banks may be advised not to accept / entertain any new project / loan under REGP w.e.f. 01-04-2008 and pending claims may be settled before 31-05-2008, through special efforts and close monitoring. No further funds will be released from the Ministry under REGP w.e.f. 01-04-2008 and only residual claims in respect of applications received upto 31-03-2008 which shall be kept at the bare minimum by KVIC, could be considered for sanction and settlement, as a special case, by the competent authority out of the unspent balance available with KVIC as on 31-3-2008. Broadly the targets including subsidy are likely to be allocated on 60:40 basis between KVIC and State DICs under PMEGP.
(iv) Identify reputed voluntary organizations or NGOs to assist in identification of providing training to and verification of projects or units that would be set up under the merged scheme.
(v) Consult some of the reputed banks which already have an effective system of electronically tracking loan applications such as Educational Loans, in place so as to have an effective interface between the system that would be used in KVIC for PMEGP and that by the participating banks.
(vi) Initiate action for updating Project Profiles for PMEGP.
Contd..2/-
Regp6/desk/pmegp/cir
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: 2 :
While action is being initiated by Directorate of REGP on the policy issues, action may also be initiated by State / Divisional Director and CEOs of State Khadi and V. I. Boards on the above areas.
It is also requested that operational and policy issues that may arise due to switchover from REGP to PMEGP may be identified and forwarded to Directorate of REGP so that relevant issue could be communicated to Ministry of MSME for redressal.
Few issues identified by Directorate of REGP are enclosed for your perusal and feedback.
Compliance on the above circular may be brought to the notice of all concerned for immediate feedback.
Encl: As above. (J.S. Mishra) Chief Executive Officer To, 1. C.E.O, State/UT KVIB 2. All Dy. CEOs 3. State/Divisional Directors 4. Director, REGP
Copy for favour of Information ; 1. Members of KVIC 2. Financial Advisor, KVIC, Mumbai 3. Jt.C.E.O., KVIC, Mumbai 4. Secretary to Chairperson 5. CEO Cell 6. Director ( IT) for website 7. Director ( Publicity) for publishing in Jagriti.
(J.S. Mishra) Chief Executive Officer
Regp6/desk/pmegp/cir
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ISSUES RELATING TO SWITCHOVER FROM REGP TO PMEGP
EDP Training
IT is observed that EDP training is imparted to around 70% of the beneficiaries during each financial year and 30% is spread over to next financial year as around 30% project are sanctioned in the last month of the financial year. Since REGP has ceased to exist w.e.f. 1-4-2008, EDP in respect of the entrepreneurs whose project is sanctioned during the March 2008 will become backlog and financial provision for such EDP has to be made during 2008-09 under PMEGP. It is estimated that 30% of the total EDP sanctioned for 2007-08 i.e. Rs.319.86 lakhs may be around Rs.96.00 lakhs and may be provided during 2008-09.
Physical Verification : As per the scheme of REGP the physical verification of the unit are to be conducted after 12 months of setting up of the units and before completion of 24 months. Physical Verification in respect of the unit sanctioned during 2007-08 and also the backlog if any pertaining to 2006-07 are to be conducted during 2008-09. This needs budget provision to the tune of Rs.55.00 lakhs during 2008-09 being 30% of total physical verification targets of 2007-08 i.e. Rs.183.40 lakhs.
Marketing Support : Marketing support need to be provided to REGP units and this can be done under the exhibitions and Buyer-Seller Meet being sanctioned under Directorate of Marketing. Provision for exhibition will come in the place for PMEGP units which are likely to come w.e.f. 2009-10.
Setting up of database : A detailed database has to be set up at field level both for REGP and PMEGP to meet the requirement of Parliament questions, Govt. reference, Ministry of MSME, Parliamentary Standing Committee etc. REGP website is being set up which will meet the requirement of setting up of database for REGP units and also facilitate marketing efforts. The same web-site will be useful for PMEGP as and when it is introduced.
Regp6/desk/pmegp/cir
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DIRECTORATE OF PMEGP/REGP KHADI AND VILLAGE INDUSTRIES COMMISSION IRLA ROAD, VILE PARLE (WEST), MUMBAI – 56
No.REGP/PMEGP/Scheme/2008-09 Dt. 01-10-2008
STANDING ORDER NO.1673
SUB:- Implementation of Prime Minister’s Employment Generation Programme (PMEGP) - reg.
Consequent upon the approval communicated by the Ministry of MSME, Govt. of India and subsequent decision taken by the Commission in its 561st meeting held on 24-9-2008, following guidelines are issued for implementation of PMEGP scheme through KVIC, KVIB and DICs. 1. KVIC will be the nodal agency at National level for implementation of PMEGP scheme. The scheme will be implemented through KVIC field offices & KVIBs in the rural areas of the country and through DICs in both rural and urban areas. 2. KVIC will provide State/Division/UT wise physical and financial targets in respect of No. of Projects, Margin Money (Govt.subsidy) and Employment to be generated through its field offices as well as through KVIBs and DICs every year. 3. The State/Divisional Directors of KVIC, CEO/Managing Director, KVIB and Director of Industries (for DICs) will reallocate the above targets Districtwise/Bankwise in consultation with SLBC. While doing so, they have to give more weightage for backward districts in the state. It should be ensured by DIC that atleast 50% of the target should be implemented in rural areas of the
district.
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3. Commission will place funds (subsidy) as per the total States targets (inclusive of KVIC, KVIB and DICs) with the State Director, KVIC who will deposit the same in the main account of KVIC i.e KVIC-S.O- PMEGP main Account. It should be a Saving Bank Account in a Bank situated at the State Head Quarter. Thereafter, the State Director in consultation with KVIB, Directorate of Industries of respective State (for DICs) and SLBC will identify and open Nodal Branch Bank Saving Accounts separately i.e KVIC – PMEGP, KVIB-PMEGP and DIC -PMEGP in each Public Sector Bank and release subsidy to these accounts proportionately from main account of S.O., KVIC. The State Director, KVIC will also intimate all the details of Nodal Branch Bank Account to the concerned authorities. 4. As regards the Divisional offices of KVIC, the Divisional Director will open a main account i.e KVIC-D.O-PMEGP in the ‘town’ where Divisional office is situated. Subsidy will be released by the Central Office to the said Account as per the target allocated. Further, he will also identify nodal branch of Public Sector Banks for placing Margin Money (Govt. Subsidy) in the pattern to be followed by State Offices mentioned above. Divisional Directors need not to open any account in favour of KVIB & DICs. 5. The State/Divisional Directors while identifying the nodal branches of Public Sector Banks will ensure that only such Banks who have good track and performance record are identified. While placing the Funds in the nodal branches, past performance of the Banks under REGP should be taken into cognigence.
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6. For the above purpose, the State Directors are authorized to open new S.B. Accounts in each identified nodal branches of Public Sector Banks in the name KVIC/KVIB/DICs separately with authorized signatories of respective offices. The Head of the Office of KVIB and DICc will identify the authorized signatories in respect of their accounts and intimate the same to the State Director, KVIC.
7. The Central Office of KVIC will release Margin Money (subsidy) to State/Divisional offices on quarterly basis and further releases to Banks should be done by the field offices only after obtaining expenditure statement, utilization certificate from the nodal branch of the Banks for the funds released earlier separately for KVIC/KVIB & DICs.
8. Each State/Divisional Directors, State KVIBs and Director of Industries of respective state should reconcile the accounts on monthly basis with nodal branches of the Banks and monthly report on reconciliation be furnished to Director (Accounts), KVIC, Mumbai as well as to Director (REGP) by 15th of every month for the preceeding month under intimation to respective State Director of KVIC. 9. The State/Divisional Directors are directed to render Accounts Statements placed with them on quarterly basis to the Director (Accounts) and in no case, it should be allowed to accumulate. This has to be ensured by them from the beginning itself to avoid a situation of unsettled account.
Page 77 of 234 4 : 4 : 10. The interest earned from the main account, nodal branch accounts of KVC/KVIB/DICs on unspent balance of PMEGP accounts is to be remitted to Director Accounts on half yearly basis without fail by 31st July for the first six months and by 31st January for second six months.
11. All the nodal branch accounts so opened shall be non operative (without cheque facility) i.e. adjustment should be only through letter of correspondence.
12. KVIC keeps separate fund under Forward and Backward Linkages which will be released separately. However, this fund will be released in favour of DICs only after obtaining an undertaking from the State Government that the funds already provided under the erstwhile PMRY Scheme’s Training and Pre motivational campaigns have been fully utilized by the DICs.
This will come into force with immediate effect.
(J.S.Mishra) CHIEF EXECUTIVE OFFICER The above is being sent to the following for necessary action:
1. All Principal Secretaries of Industries/IDC/Secretary, Industries of State/UT Administration 2. All State/Divisional Directors of KVIC
3. All State/UT KVI Boards
Page 78 of 234 5 : 5 :
Copy for information to : 1. All Members of the Commission 2. P.S. to Chairperson 3. OSD to CEO Cell 4. A.O., F.A. Cell 5. A.O,. Vigilance cell 6. Jt. Secretary, Ministry of MSME, Govt. of India, Udyog Bhavan, New Delhi – 110 011. 7. All Zonal Dy. CEOs, KVIC 8. General Manager (RPCD), Reserve Bank of India, Mumbai 9. CMDs of 27 Public Sector Banks. 10. CEO, CGTMSE, Mumbai. 11. Director (Accounts), KVIC 12. Director (REGP), KVIC 13. Director (Finance), KVIC 14. All Industry/Programme Directors, KVIC 15. PRO, KVIC 16. Director (Publicity) with a request to publish in ‘Jagriti’ 17. Director (IT) with a request to put in web-site of KVIC-REGP.
CHIEF EXECUTIVE OFFICER
Page 79 of 234 6
DIRECTORATE OF PMEGP/REGP KHADI AND VILLAGE INDUSTRIES COMMISSION IRLA ROAD, VILE PARLE (WEST), MUMBAI – 56
No.REGP/PMEGP/Scheme/2008-09 Dt. 01-10-2008
OFFICE ORDER NO.2027
SUB:- Implementation of Prime Minister’s Employment Generation Programme (PMEGP) - reg.
The Commission in its meeting held on 24-9-2008 has approved the operational guidelines for implementation of PMEGP scheme through its State/Divisional offices, KVIBs and DICs. The said guidelines are provided below.
1. Inviting applications :- The State/Divisional Directors of KVIC in consultation with KVIB and Director of Industries of respective states (for DICs) will give advertisements locally through print & electronic media inviting applications along with project proposals from prospective beneficiaries desirous of establishing the enterprise/ starting of service units under PMEGP. The expenditure for said advertisements will be met out from Backward & Forward Linkages fund. The beneficiaries can submit their applications in the prescribed format at nearest KVIC/KVIB/DIC offices. The beneficiary can also submit application directly to the Bank. However, the Bank will forward the same to respective District Task Force Committee for consideration purpose. The format of application may also be down loaded from the KVIC Web-site in www.kvic.org.in and www.pmegp.in.
Page 80 of 234 7 : 2 :
2. Selection of Applications :- i) KVIC/KVIB/DIC offices, after ascertaining that the applications and the project fulfills the criteria laid down under the scheme will forward the same to the respective District Task Force Committees within seven working days of the last date of receipt of applications.
ii) The District Task Force Committee will meet once in a month to scrutinize the applications, conduct interviews for the prospective beneficiaries and short list the applications forwarding to the banks for sanctioning purpose. The District Task Force Committee may also call for further details, if any, required from the beneficiaries for the
consideration. iii) After short listing the applications received through KVIC/KVIB/DIC or any other sources, the same will be bifurcated and the District Task Force Committee will forward the same to respective Banks as per the choice of the beneficiary in the designated colour code (KVIC – White,
KVIB – Yellow & DIC – Blue).
3. Sanction of Applications :- After receiving the applications duly recommended by the District Task Force Committee, the financing branch will take their own credit decision for sanction the project under PMEGP scheme. Once sanctioned, a sanctioning order will be issued in favour of beneficiary under intimation to KVIC/KVIB/DIC as the case may be i.e from whom the Government subsidy will be availed.
Page 81 of 234 8 : 3 :
4. EDP Training :- i) After issuance of the sanction order by the financing branch of the Bank and receipt of the copy of the same, the beneficiary must have to under go EDP training for the purpose of release of funds.
ii) The State/Divisional Directors of KVIC, KVIB & DICs will arrange the EDP training to the beneficiaries through KVIC/KVIB/DIC/Ministry of MSME/ Accredited Training Centers within a period of one month of the receipt of the intimation.
iii) After completion of the EDP training, the Principal of the concerned training center will issues a Certificate to the effect in favour of the beneficiary and also forward a copy to the financing branch of the beneficiary.
5. Release of Bank Loan :- As soon as the financing branch received the EDP training completion certificate, Bank will release loan as per the scheme and copy of the release order should be endorsed to KVIC/KVIB/DIC as the case may be.
6. Release of Margin Money (Subsidy) :- i) After receipt of the Bank loan by the beneficiary, the beneficiary will submit the margin money claim format (enclosed at Annexure-I) to the financing branch of the Bank within a period of seven days.
Page 82 of 234 9
: 4 : ii) The financing branch with their recommendation will forward the claim format to respective nodal branch where KVIC/KVIB/DIC margin money is placed with within a period of 15 days.
iii) As soon as the claim is received by the nodal branch, the nodal branch will release the margin money (subsidy) to financing branch within one month and forward the claim papers to respective offices of KVIC/KVIB/DIC for further necessary action.
iv) The financing branch of the Bank, after receipt of the margin money (subsidy) from the nodal branch will place the said amount under TDR in the name of the beneficiary in the financing branch itself for a period of three years. During this period, no interest will be paid on the TDR and no interest will be charged on the corresponding amount of TDR.
v) The time limit for submission of the margin money claim by the beneficiary at the financing branch of the Bank to release of subsidy by the nodal branch of the Bank and receipt of claims at KVIC/KVIB/DIC will be 60 days. Belated claims will have to be submitted to the Zonal Committee of KVIC with justification for consideration.
7. Physical Verification of PMEGP units : i) 100% physical verification will be done for the units financed under PMEGP. The KVIC will engage outsource agencies for the purpose. ii) Though the Margin Money (Subsidy) will be released by the designated nodal branch of the Bank, KVIC/KVIB/State DIC is the final authority to either accept the claim or reject it, based on the parameters of the scheme and considering the physical verification report. : 5 :
Page 83 of 234 10
8. Adjustment of Margin Money (Subsidy) :- After receipt of satisfactory physical verification report from the outsourcing agency, the KVIC/KVIB/DIC will issue the adjustment letter if the unit is fulfilling all the parameters of the scheme. If not, the financing branch will be advised to remit the margin money (subsidy) to nodal branch account which was kept under TDR.
9. Monitoring and Reporting :- i) The Task Force Committee under the Chairmanship of District Magistrate/Dy. Commissioner/Collector will hold quarterly meetings with the banks at District Level to review the status of the project proposals.
ii) The State Director/Divisional Director of KVIC, KVIB & Director of Industries of the concerned state are the authority for reporting systems of their respective state (for all the Districts). The progress of state should be furnished through web based Monthly Progress Report System for which KVIC/KVIB/DIC will be provided a separate password and user name to enter the data in the web based reporting system. The State Director of KVIC will compile the over all performance of the State (including KVIB & DICs) and furnish consolidated report to Central Office. However, the Divisional Director of KVIC will compile the performance of KVIC under their jurisdiction and submit the report to Central Office. The concerned representative of KVIC/KVIB/DIC should ensure that the data entry of their respective state should be on or before 3rd of every month for preceding month.
:6:
Page 84 of 234 11 iii) The Sate/Divisional Directors of KVIC/KVIB/Director of Industries will ensure all possible steps for successful implementation/ monitoring/ reporting in their State/Division.
iv) The State/Divisional Directors of KVIC/KVIB/DICs should attend SLBC/DCC meetings for finalization of annual credit plan under PMEGP and review of progress with Bankers periodically for smooth implementation of the programme.
v) The units financed under the scheme invariably mention “KVIC- National Nodal Agency of the PMEGP” in their labels, packaging material, office stationary and sign boards etc. vi) For entering and updating the application Status at each District Level, KVIC will out source the agencies for the purpose. The agency updates the status at every stage and this will be monitored by KVIC/KVIB/DIC representative at each District. Till this system becomes operational KVIC/KVIB/DIC will continue to maintain the existing monthly reporting system through web-based/manually at their Head Quarters.
Encl: as above. (J.S.Mishra) CHIEF EXECUTIVE OFFICER The above is being sent to the following for necessary action:
1. All Principal Secretaries of Industries/IDC/Secretary, Industries of State/UT Administration
2. All State/Divisional Directors of KVIC
3. All State/UT KVI Boards
: 7 :
Page 85 of 234 12
Copy for information to: 1. All Members of the Commission 2. P.S. to Chairperson 3. OSD to CEO Cell 4. A.O., F.A. Cell 5. A.O., Vigilance cell 6. Jt. Secretary, Ministry of MSME, Govt. of India, Udyog Bhavan, New Delhi – 110 011. 7. All Zonal Dy. CEOs, KVIC 8. General Manager (RPCD), Reserve Bank of India, Mumbai 9. CMDs of 27 Public Sector Banks. 10. CEO, CGTMSE, Mumbai. 11. Director (Accounts), KVIC 12. Director (REGP), KVIC 13. Director (Finance), KVIC 14. All Industry/Programme Directors, KVIC 15. PRO, KVIC 16. Director (Publicity) with a request to publish in ‘Jagriti’ 17. Director (IT) with a request to put in web-site of KVIC-REGP.
CHIEF EXECUTIVE OFFICER
Page 86 of 234
DIRECTORATE OF PMEGP KHADI & VILLAGE INDUSTRIES COMMISSION IRLA ROAD, VILE PARLE (W), MUMBAI – 56
No. PMEGP/REGP/MPR/2008-09/ Dt. 03-11-2008
To, The State/Divisional Director, Khadi & V.I. Commission, ______
Page
87 Sub:- Submission of Monthly Progress Report under PMEGP – reg. of
234 Sir, Please find enclosed herewith the formats (Proforma-I to V) for submission of Monthly Progress Report in respect of PMEGP scheme. It is requested that the same may be furnished through web-based Monthly Progress Report system as furnished in case of REGP Scheme.
Till the web-based facility provided to State KVIBs and in each District for DICs, the State/Divisional offices of KVIC are to collect monthly reports from KVIB/DICs and fed the same in the web-based MPR system on or before 5th of every month for previous month. Further, it is also requested that till the system is streamlined, hard copies of the report may also be furnished through Fax/E-mail.
Collection of reports from State KVIB and DICs is the prime responsibility of the KVIC field offices. If no progress is made during a particular month, ‘Nil” report may be furnished.
As you are aware that the reporting to the Ministry is time bound, as such it is requested to follow the stipulated time and regularly from November,2008 report onwards for every month.
Yours faithfully
Encl: as above. Page Director (PMEGP/REGP) 88 of 234 Copy to :
1. Director of Industries , ______State 2. CEO/Secretary/MD of Sate KVIB ______State 3. Zonal Dy. CEO, KVIC, ______Zone
MONTHLY PERFORMANCE REPORTING FORMAT UNDER PMEGP FOR THE MONTH OF
Month : PMEGP - PROFORMA-I
Name of SO./D.O.:
Details Opening M.M. Under Deposited M.M. Claims settled by Cumulative Performance Closing Adjustment Balance PMEGP with Nodal Nodal branches during April to ……………. balance letters M.M. as on received Banks the month ………. M.M. as issued …………. from C.O. on during the
Page (Rs.) during the ………... month Amount No. M.M. Empl. month M.M. (Rs.) ………. (nos.) 89 (Rs.) Amount (Nos.) No.of Empl. ……….. (Rs. of (Rs.) (Rs.) project (Nos.)
234 lakhs)
1 2 3 4 6 7 8 9 10 11 12 13
KVIC KVIB
DIC
TOTAL
STATE/DIVISIONAL DIRECTOR PMEGP - PROFORMA-II
CATEGORYWISE NO. OF PROJECTS FOR THE MONTH OF …………………….. Sr. No. of Cumulative M.M. Cumulative Employment Cumulative No. Projects projects from disbursed Margin during the Employment financed April to during the Money from month from April during the month April to to…………. Details month ……………. Remarks
1 2 3 4 5 6 7 8 9 Page
90 1 SC (including Women & SHG) of
234 2 ST ( - do -)
3 O.B.C. ( - do - )
4 P.H. C. ( - do - ) 5 Ex. Servicemen ( - do - ) 6 Minority ( - do - ) 7 General ( - do - ) TOTAL 8 Women 9 SHG 10 Under CGTSI Scheme NOTE :- Women Entrepreneurs and SHGs should be included in corresponding category and thereafter, separately be shown.
State/Divisional Director
PMEGP - PROFORMA-III
Sectroal/Financial Profile for Projects financed under PMEGP during the Month …………..
No. of Margin Emp. Upto Rs.50,000 Rs. 1.00 Rs. Rs. 3.00 Rs. Rs. Rs. Rs. Projects Money (Nos.) Rs. to Rs. Lakhs 2.00 lakhs to 4.00 5.00 10.00 15.00 (Rs.lakhs) 50,000/- 1.00 to Lakhs Rs. 4.00 lakhs Lakhs Lakhs Lakhs Sr.No. Industry/Group Lakhs Rs.2.00 to lakhs to Rs. to Rs. to to lakhs Rs.3.00 5.00 10.00 15.00 25.00 Page Lakhs lakhs Lakhs Lakhs Lakhs 91
of 1 2 3 4 5 6 7 8 9 10 11 12 13 14
234 Food Processing 1 Ind.
2 Agro Based Ind.
3 HMP/Fibre Ind. 4 Mineral Based Ind. 5 Poly. & Chem. Ind. Rural Eng. & Bio 6 Tech. 7 Service/Textile Ind. Total
State/Divisional Director
PMEGP - PROFORMA-IV
BACKWARD FORWARD LINKAGES UNDER PMEGP DURING THE MONTH ………..
Opening Received during Utilised during Closing Balance (Rs.) the Month the month ……… Cumulative Balance (Rs.) Utilisation April Sr. No. Details to ………… Page No. Amount No. Amount 92
of 1 2 3 4 5 6 7 8 9 234 1 Awareness Camps
2 Workshops 3 Exhibitions 4 Bankers Review Meeting 5 Phy. Verification 6 EDP Training 7 Promotional Activities 8 IRG (Interest remitted to C.O.) Total
State/Divisional Director
PMEGP - PROFORMA - V
BANKWISE POSITION OF M.M. PROPOSALS RECEIVED/SANCTIONED/PENDING DURING 2008-09
Name of the S.O./D.O.: Report for the month of :______
Sr. Name of the No. of Page No. of Project No. of TARGET FOR 2008-09 project Amount of M.M. No. Bank proposals Proposals proposals M.M. amount 93 sanctioned by Pending M.M. received involved involved Rekarks of No. of Emp. Banks during for
234 (Rs. from (Rs. (Rs. Project (Nos.) ………… sanction Lakhs) April'06 to Lakhs) Lakhs) month as on date ………
1 2 3 4 5 6 7 8 9 10 11 1 2 3 4 5 TOTAL
State/Divisional Director
GOVERNMENT OF ORISSA INDUSTRIES DEPARTMENT ***
No.IX-SI-19/2008 17218 ..Bhubneswar Dt. 11.12.2008
From Shri P.Das., Additional Secretary to Government.
To The Director of Industries, Orissa, Cuttack.
Sub: Implementation of PMEGP scheme – Nomination of State Representatives.
Ref: Your Letter No. 12543 dt. 24.10.2008.
Sir, Government of Orissa in Industries Department have been pleased to nominate nominate the Director, Industries to monitor and co ordinate the implementation of programme and to sort out procedural issues relating to PMEGP as per the instruction of Government of India vide their D.O.No.4(83)/2006 – KVI dt.23.9.2008.
Yours faithfully,
Sd/ Additional secretary to Government.
Memo No. 17219 /I..Bhubaneswar. Dated the 11.12.2008 Copy forwarded to the state Director, KVIC, Bhubaneswar/The Director,H&C.I(O), Bhubaneswar/The secretary, Orissa Khadi and village Industries Board, Bhubaneswar / All Collectors for information and necessary action. Sd/ Additional secretary to Government.
Page 94 of 234 GOVERNMENT OF ORISSA INDUSTRIES DEPARTMENT * * * * *
NOTIFICATION
Bhubaneswar, Dated the 11.12.2008 No.IX-SI-19/2008 – 17221/I.,
In pursuance of D.O. No.4(83)/2006-KVI dt.23.9.2008 of Government of India, Ministry of Micro, Small and Medium Enterprises (MSME), Udyog Bhawan, New Delhi, the Government of Orissa in Industries Department have been pleased to constitute a Task Force consisting of the following members to scrutinise and monitor the applications received under PMEGP (Prime Minister's Employment Generation Programme) for helping first generation entrepreneurs for tacking proverty and creating new employment opportunities through establishment of Micro Enterprises both in rural ad urban areas and for smooth implementation of the programme as well.
1. District Magistrate & Collector - Chairman
2. Lead Bank Manager - Member
3. Representative of KVIC / KVIB - Member
4. Representatives of NYKS (Nehru Yuba Kendra Sangathan / SC, ST Corporation. - Spl. Invitees.
5. Representative of MSME Development Institute / D.I.(O) / ITI / Polytechnics - Spl. Invitee
6. Representative from Panchayats ( To be nominated by Chairman / Collector & Dist. Magistrate / Dy. Commissioner / by relation). - Three Members
7. General Manager / Project Manager DICs or State Director of KVIC - Member Convenor
By order of Governor, Orissa.
P. Dash, Additional Secretary to Government.
ORDER :- Ordered that the Notification may be published in the next issue of extraordinary Gazette of Orissa and 50 copies there of may please be supplied.
Sd/- Addl. Secretary to Government.
Page 95 of 234 Memo No.17222/I., Bhubaneswar Dated the 11.12.2008 Copy forwarded to All Departments of Government / All Heads of Departments / Accountant General (A&E), Orissa, Bhubaneswar / All R.D.Cs / All Collectors for information and necessary action.
Sd/- Additional Secretary to Government. Memo No.17223/I., Bhubaneswar, Dated the 11.12.2008 Copy forwarded to Director of Industries, Orissa, Cuttack / Director, Handicraft and Cottage Industries, Orissa, Bhubaneswar / The State Director, KVIC, Bhubaneswar / Secretary, Orissa Khadi & Village Industries Board, Bhubaneswar / The Director, MSME Development Institute, Cuttack / The Director, IED, Bhubaneswar for information and necessary action.
Sd/- Additional Secretary to Government. Memo No.17224/I., Bhubaneswar, Dated the 11.12.2008 Copy forwarded to the Managing Director, All Public Sector Undertakings under Administrative Control of Industries Department / General Manager / Project Manager, DICs / District Lead Bank for information and necessary action.
Sd/- Additional Secretary to Government. Memo No.17225/I., Bhubaneswar, Dated the 11.12.2008 Copy to P.S. to Commissioner-cum-Secretary to Government, Industries Department / Additional Secretary to Government, Industries Department for kind information of Commissioner-cum-Secretary / Additional Secretary.
Sd/- Additional Secretary to Government.
Page 96 of 234 Page 97 of 234 Page 98 of 234 Page 99 of 234
KHADI AND VILLAGE INDUSTRIES COMMISSION IRLA ROAD, VILE PARLE (WEST), MUMBAI-56
No.REGP/PMEGP/Scheme/08-09 Date : 12-12-2008 C I R C U L A R The Ministry of MSME, Govt. of India has launched a new Credit Linked Subsidy Scheme i.e. Prime Minister’s Employment Generation Programme (PMEGP) w.e.f. 15th August, 2008 by merging REGP and PMRY that were in operation till 31st March, 2008. Khadi and Village Industries Commission is the nodal agency at National level for implementation of the scheme and the programme will be implemented through field offices of KVIC, Khadi and Village Industries Boards and District Industries Centers.
2. Guidelines of the scheme envisage for selection of beneficiaries by the District Task Force Committee constituted under the Chairmanship of District Collector/Magistrate of the concerned district. For the purpose, applications are invited from prospective beneficiaries through advertisement and to be submitted to KVIC, KVIB and DICs as the proposal may be in terms of claim of Margin Money (Subsidy).
3. All most in all the states and union territories , KVIBs and DICs have their own offices, man power and net work at District Level and are well placed for smooth implementation of PMEGP scheme. i.e. collection of applications, conducting awareness camp, providing information at District Level etc. However, KVIC have offices only at State Level and in some state at Divisional Level. This poses problems for the prospective entrepreneurs who are desirous of availing the benefit of scheme from KVIC. It is observed that the persons have to come all the way from remotest village to the state capital i.e. State Office, KVIC or Divisional Office, KVIC for information, and for submission of application or for any other purpose related with the scheme.
4. Keeping in view the above stated problems; for smooth implementation of the scheme and providing relief to the prospective entrepreneurs by way of extending the benefits of the scheme at their door steps, the following has been decided: cont.. Regp6/ut.kesh/circular Page 100 of 234 : 2 : i) The State/Divisional Director will nominate one of their officer/staff as Nodal Officer for PMEGP Scheme. He will co- ordinate the implementation of PMEGP Scheme under the supervision of State/Divisional Director. If the State has more than 20 districts, two officers can be nominated as a Nodal Officer. ii) All the state and Divisional Offices of KVIC will nominate one suitable staff each of their office as District Co- ordinator, PMEGP, KVIC for a district or two of the state. It may be more if situation demands. Their name and Mobile numbers will be circulated widely in the district through the KVIB and DICs. iii) The District Co-ordinator will visit the district preferably for two days and minimum once in a week and may sit at DIC/ KVIB District Offices as found suitable. The same also may be widely publicized through KVIB and DICs. iv) The job of the District Co-ordinator while at District Office , KVIB or DIC is to collect the application from prospective beneficiaries, providing information to the people on the scheme , contact District Level Officers for the purpose of awareness camp, workshop, to ensure achievement of target etc and other related work of PMEGP in the allotted District. v) He will function under the overall supervision of the Nodal Officer, PMEGP of the State/Divisional Office.
5. The State/Divisional Directors of KVIC may initiate action on the above immediately and the details may be provided to the Director, PMEGP, Central Office, Mumbai.
6. This will come into force with immediate effect.
7. It be treated as MOST URGENT.
(J. S. Mishra) Chief Executive Officer Copy for information and necessary action to: 1. All State/Divisional Directors of KVIC 2. C.E.O. KVIB of State / U.T. for issuing instructions on 4(iii). 3. Director / Commissioner, Industries for issuing instructions on 4(iii)
Regp6/ut.kesh/circular Page 101 of 234 : 3 : Copy for information to : 1. Members of KVIC 2. Financial Advisor, KVIC, Mumbai 3. C.V.O., KVIC, Mumbai 4. All Zonal Dy. Chief Executive Officers 5. All C.E.O, State/UT KVIB with a request to instruct their District Offices to allot a seat for KVIC official. 6. Director, Industries, Govt. of ______with a request to instruct their District Offices to allot a seat for KVIC official. 7. Secretary to Chairperson 8. CEO Cell 9. All Programme / Industry Directors, Mumbai. 10. Director ( IT) for website 11. Director ( Publicity) for publishing in Jagriti.
(A. K. Dwivedi) Director (PMEGP/REGP) Tel-fax : 022-26713686
Regp6/ut.kesh/circular Page 102 of 234 KHADI AND VILLAGE INDUSTRIES COMMISSION IRLA ROAD, VILE PARLE (WEST), MUMBAI-56
No.REGP/PMEGP/Scheme/08-09 Date : 19-12-2008 C I R C U L A R
The Ministry of MSME, Govt. of India has launched a new Credit Linked Subsidy Scheme i.e. Prime Minister’s Employment Generation Programme (PMEGP) w.e.f. 15th August, 2008 by merging REGP and PMRY that were in operation till 31st March, 2008. Khadi and Village Industries Commission is the nodal agency at National level for implementation of the scheme and the programme will be implemented through field offices of KVIC, KVIBs and DICs. 2. For successful implementation and to review the progress of the scheme on periodical basis so as to achieve the target of generation of employment, the scheme envisages for monitoring at District, Zonal, State and National levels. For the purpose, it has been decided to have State, Zonal and National level monitoring committee. Accordingly, constitution of the committee and their functions given below :
A) State Level Monitoring Committee. i) The State Level Monitoring committee will consists of following members. a) Principal Secretary/IDC, Dept.of Industries - Chairman b) Director of Industries - Member c) CEO, KVIB - Member d) Rep. of major public sector Banks in the State including Convenor of SLBC - 5 Members e) Rep. of SC/ST Corporation - Member f) Rep. of Dept. Panchayati Raj - Member g) Rep. of State Women Dev. Corp. - Member h) Divisional Directors of KVIC in State - Member i) Rep. of SIDBI - Special invitee j) Rep. of NABARD - Special invitee k) State Director, KVIC - Member Convenor
N.B. In the State , where the Khadi & Village Industries functions under Department of the State Govt. other than Department of Industries, the Secretary of the concerned Department will also be one of the Member of the State Level Monitoring Committee. The senior most Secretaries will be the Chairman of Committee. Cont.
Page 103 of 234 : 2 : ii) The Committee will meet atleast once in a quarter. iii) The functions of the committee includes a) To review the performance / achievement made in implementation of PMEGP by KVIC / KVIB / DIC separately in the quarter. The review should focus on total achievement in relation to target, imbalance, if any in social category wise, industry wise and area wise and action taken for a wider publicity of the scheme. b) Suggest ways to improve performance and to correct the imbalances, if any. c) The Committee should ensure that the performance of PMEGP are regularly reviewed in the District Consultative Committee (DCC) / District Level Review Committee (DLRC) headed by District Collector / District Magistrates by including it as permanent agenda point. d) Reviewing the reporting system made by KVIC, KVIB and DICs. e) To review the sanction made by the Bank in relation to the recommendations made by District Task Forces. f) Imparting of EDP training to selected beneficiaries. g) Any other matter related to PMEGP scheme regarding physical and financial aspects of the scheme to ensure qualitative achievement of the targets. iv) The expenditure on the meeting of the said committee will be met out by the State Office, KVIC as per approved guidelines.
B. Zonal Level Monitoring Committee i) The Zonal Level Committee will consists of following members: a) Chief Executive Officer, KVIC : Chairman b) Director of Industries in each State of the Zone : Members c) CEOs of State / UTs KVIBs : Members d) Lead Bank Managers of each State in the zone : Members e) State / Divisional Directors of each State in the Zone : Members f) Zonal Dy.C.E.O. of KVIC : Member Convenor ii) The committee will meet atleast once in a quarter.
cont.
Regp6/ut.kesh/circular Page 104 of 234 : 3 : iv) The functions of the committee includes
a) To review the performance / achievement made in implementation of PMEGP by KVIC / KVIB / DICs of each State in the Zone separately on quarterly basis. b) Reviewing the reporting system made by KVIC, KVIB and DICs. c) To review the sanction made by the Bank in relation to the recommendations made by District Task Forces. d) Imparting of EDP training to selected beneficiaries. e) Any other matter related to PMEGP scheme regarding physical and financial aspects of the scheme to ensure qualitative achievement of the targets. iv) The expenditure on the meeting of the said committee will be met out by the State Offices of KVIC in the Zone on rotation basis as per approved guidelines.
C. National Level Monitoring Committee i) The National Level Monitoring Committee consists of following Members: a) Chairperson, KVIC : Chairman b) Chief Executive Officer, KVIC : Member c) Financial Adviser of KVIC : Member d) Rep. of MSME : Member e) CMDs of all Public Sector Banks : Members f) CEOs of State/UT KVIBs : Members g) Director of Industries of State Govts. : Member h) Rep. of RBI : Member i) Zonal Dy.C.E.O.s of KVIC : Members j) Director, REGP/PMEGP : Member Convenor ii) The Committee will meet once in six months. iii) The functions of the committee includes:
a) To review the performance / achievement made in implementation of PMEGP, Statewise / Bankwise.
b) Suggesting policy measures and changes for smooth implementation of the scheme. Contd.
Regp6/ut.kesh/circular Page 105 of 234 : 4 :
c) Any other matter in relating to implementation of PMEGP with permission of Chair. iv) The expenditure on the meeting of the said committee will be met out by Director, REGP/PMEGP as per approved guidelines.
3. The Member Conveners of different level of committees may in consultation with the Chairman of their committee initiate action for formation of committees at the earliest.
4. The Member Conveners with due approval of the Chairman of their committee will initiate action for committee meeting, preparation of agenda, minutes of the meeting and due reporting to different heads on the proceedings and decisions of the meeting.
( J. S. Mishra ) Chief Executive Officer
To, All Members of the Committee Copy to : 1. P. S. to Hon’ble Chairperson, KVIC. 2. All Members of the Commission 3. OSD to Chief Executive Officer, KVIC. 4. OSD to Financial Adviser, KVIC 5. Joint Secretary, Ministry of MSME, Govt. of India, Udyog Bhavan, New Delhi – 11
6. Secretary, Industries / IDC of All the States and Union Territories
7. C.E.O.s of All KVI Boards 8. Director Industries of All the States and Union Territories. 9. State / Divisional Director of KVIC
Regp6/ut.kesh/circular Page 106 of 234 KHADI AND VILLAGE INDUSTRIES COMMISSION IRLA ROAD, VILE PARLE (W), MUMBAI – 56
No. PMEGP/Target/M-940/08-09 Dt. 23-12-2008
C I R C U L A R
This is in continuation to the letter No. REGP/PMEGP/Bud.Allo./2008-09 dated 3/8-10-2008 of the Directorate of PMEGP wherein budget allocation for the year 2008-09 under PMEGP was communicated.
2. As we all aware that PMEGP is a flagship scheme of the Ministry of MSME, Govt. of India as well as KVIC and is being implementing across the country. It is expected that a substantial number of employment will be generated through this scheme. As such as per Govt. of India’s guidelines due weightage should be given to all social categories while implementing the schemes in the field. It is requested that the percentage for each category of beneficiaries indicated at para No.7 of the above referred budget allocation i.e. SC-15%, ST-7.5%, OBC-27%, Minorities-5%, Ex-Servicemen-1%,PHC-3% and Women- 30%(overall) may be adhered to, while implementing the PMEGP. The progress report in this regard should be invariably included in the monthly progress report of PMEGP for reporting the same to the Govt. of India every month. Contd..2/-
Page 107 of 234
: 2 :
3. The matter may be brought to the notice of the SLBC as well as all District Task Force Committees in the State, while recommending the proposals to Banks under the scheme. 4. This is for immediate compliance of all concerned.
(J.S. Mishra) CHIEF EXECUTIVE OFFICER
Copy for information and immediate action : 1. All State/Divisional Directors of KVIC 2. All State/UT KVI Boards 3. All Director of Industries of State Govts. Copy for information to : 1. All Commission Members. 2. All Zonal Dy. CEOs, KVIC 3. Indl. Dev. Commissioner/Principal Secretary, Industry ______State 4. Principal Secretary, KVI ______State 5. Director (IT) for web-site 6. Director (Publicity) for publishing in ‘Jagriti’.
(A.K. DWIVEDI) Director (PMEGP)
Page 108 of 234 Page 109 of 234 Page 110 of 234 KHADI AND VILLAGE INDUSTRIES COMMISSION IRLA ROAD, VILE PARLE (W), MUMBAI – 56
No. PMEGP/Policy/M-939(II)/08-09 Dt. 04-03-2009
C I R C U L A R
Detailed guidelines for PMEGP scheme and its operation have already been issued in addition to Office Order and Standing Order for further clarification. KVIC is receiving request from various parts of the country for confirmation whether the business activities, urban transportation and activities like Goatery, Piggery, Poultry etc. is permitted to avail assistance under PMEGP scheme.
2. As already clarified in the scheme that the agriculture/farm sector activities and projects which do not involve manufacturing process, value addition and per capita investment criteria are not permitted under the scheme. The issue was further examined and also referred to the Ministry of MSME, Govt. of India for their advice on the issue.
3. After detailed examination of the issues, the Ministry of MSME, Govt. of India has further clarified not to consider such issues and encourage only the manufacturing sector intended primarily for promoting the industrialization. Accordingly, the following additions have been made to the negative list at para No.29 of the PMEGP guidelines circulated to all concerned.
(i) Business activities like opening of grocery and stationary shops etc. involving no manufacturing process and value addition. (ii) Farm related activities like Goatery, Piggery, Poultry etc. (iii) All urban/rural Transport activities – a) Except Auto Rickshaw, tourist boat and house boat in A & N Islands. b) Except the House Boat, Shikara and tourist boat in J &K. c) Except Cycle Rickshaw. Cont.
Page 111 of 234 : 2 :
4. Other items already mentioned in the Negative list will remain unchanged.
5. The above negative list will be applicable to all the cases sanctioned during 08-09 and onwards under PMEGP scheme.
(J.S. Mishra) CHIEF EXECUTIVE OFFICER
Copy for information and for immediate compliance : 1. All State/Divisional Directors of KVIC 2. All State/UT KVI Boards 3. Director of Industries of all State/UT Govts.
Copy for information to : 1. The Jt. Secretary, Ministry of MSME,. Udyog Bhawan, New Delhi. 2. Dy. Governor, RPCD, Reserve Bank of India, Mumbai. 3. All Commission Members. 4. Indl. Dev. Commissioner/Principal Secretary, Industry ______State 5. Principal Secretary, KVI ______State 6. CMDs of all Public Sector Banks. 7. All Zonal Dy. CEOs, KVIC 8. Director (IT) for web-site 9. Director (Publicity) for publishing in ‘Jagriti’.
CHIEF EXECUTIVE OFFICER
Page 112 of 234 KHADI AND VILLAGE INDUSTRIES COMMISSION IRLA ROAD, VILE PARLE (W), MUMBAI – 56
No. PMEGP/Policy/ 08-09 Dt. 26-03-2009
C I R C U L A R
Sub:- Prime Minister’s Employment Generation Programme (PMEGP) – applicability of Modal Code of conduct – reg.
On announcement of General Election 2009, this office has received number of requests across the country to guide the Dist. Level Task Force Committee Convenors for holding the regular meeting for processing the applications under PMEGP by the Dist. Level Task Force Committee.
2. This office has approached to Ministry of MSME, Govt. of India for the guidance on the matter. In this regard, the Election Commission has decided and intimated that the DTFCs constituted before 2nd March,2009 may continue to process the applications received upto 2nd March,2009. However, where the DTFCs have not been constituted no initiatives should be taken till General Elections are over.
3. In view of above, all the State/Divisional Directors of KVIC are hereby advised to request the District Magistrate/Collectors to hold the meetings of the District Task Force Committee to clear the pending applications received upto 2nd March,2009. The State/Divisional Directors are also advised to impress upon State Govt. agencies to make all out efforts to achieve the targets under PMEGP for 2008-09.
Contd..2/-
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Page 114 of 234
Page 115 of 234
Page 116 of 234 KHADI AND VILLAGE INDUSTRIES COMMISSION IRLA ROAD, VILE PARLE (WEST), MUMBAI – 56
No.REGP/PMEGP/Scheme/08-09 Dt. 31-03-2009
A D D E N D U M
SUB:- Implementation of Prime Minister’s Employment Generation Programme (PMEGP) - reg.
In continuation to Office Order No. 2027 dated 1.10.2008 pertaining to the above captioned subject, it is to inform to all concerned that the following may be added for further necessary action. Para 3 : Sanction of application Sanctioning order will be issued by the Financing Branch of the Bank in favour of beneficiary under intimation to District Offices of KVIC / KVIB / DIC with a copy to their respective headquarters of KVIC, KVIB & DIC as the case may be i.e. from whom the Govt. subsidy will be availed. Para 6 : Release of Margin Money (vi) The Financing Branch of the Bank while forwarding the Margin Money claim to respective Nodal Branch, a copy of the same should invariably be sent to District Headquarter of KVIC, KVIB and DIC. (vii) The Nodal Branch of the Bank while forwarding the original Margin Money claim to respective Head Offices of KVIC, KVIB and DIC, a copy of the claim should also be sent to District Headquarter of KVIC, KVIB and DIC. This is for immediate compliance of all concerned.
(J. S. Mishra) Chief Executive Officer : 2 : To The above is being sent to the following for necessary action:
Page 117 of 234 1. All Principal Secretaries of Industries/IDC/Secretary, Industries of State/UT Administration
2. All State/Divisional Directors of KVIC
3. All State/UT KVI Boards
Copy for information to: 1. All Members of the Commission 2. P.S. to Chairperson 3. OSD to CEO Cell 4. A.O., F.A. Cell 5. A.O., Vigilance cell 6. Jt. Secretary, Ministry of MSME, Govt. of India, Udyog Bhavan, New Delhi – 110 011. 7. All Zonal Dy. CEOs, KVIC 8. General Manager (RPCD), Reserve Bank of India, Mumbai 9. CMDs of 27 Public Sector Banks. 10. CEO, CGTMSE, Mumbai. 11. Director (Accounts), KVIC 12. Director (REGP), KVIC 13. Director (Finance), KVIC 14. All Industry/Programme Directors, KVIC 15. PRO, KVIC 16. Director (Publicity) with a request to publish in ‘Jagriti’ 17. Director (IT) with a request to put in web-site of KVIC- REGP.
Chief Executive Officer
Page 118 of 234 FORMAT FOR SPONSORING THE BENEFICIARY FOR UNDERGOING EDP TRAINING
ATTESTED PHOTO OF THE BENEFICIARY 1. Name & Address of the beneficiary : 2. Name of the Activity : 3. Location of the Unit : 4. Whether the beneficiary belongs to SC/ST/OBC/Minority/Ex-Servicemen/ PHC/Women OR General :
5. Name of Financing Bank with add. : 6. Total cost of the Project : C.E. : ______W.C. _____ 7. Amount sanctioned with date : 8. If the beneficiary is Institution, : a) Name ______Trust, Co-op. Society, Name & Designation of the Representative : b) Designation ______
I hereby sponsor Shri/Smt./Kum. ______for undergoing EDP Training at your Training Institute.
Place : Signature of the Branch Manager Date : (With Seal)
To, 1) The Principal,
------2) The State/Regional Director, KVIC/CEO, KVIB/GM, DIC ______for kind information, …………………………………………………………………………………………… (Certificate to be issued by Training Centre)
Shri/Smt./Kum.______sponsored by the above said Banks has undergone ______days EDP Training from ______to ______. Kindly send the recoupment of the expenditure of Rs. ______at the earliest.
Place : Signature of the Principal/Incharge Date : of the Training Centre
To, The State/Divisional Director,KVIC/CEO,KVIB/GM,DIC ______
Copy to : The Branch Manager (Financing Branch) ______Page 119 of 234
Please Tick ( ) One of No.1 and any one of Number 2
1 Male Female 2 Gen SC ST OBC Minority Ex- PH HBA Serviceman
…………..……………………………………… Bank H.O./C.O ………………………………………………..
(Application Form cum Receipt for claiming "Govt. Subsidy" from for Khadi & Village Industries Commission / Board /DIC by beneficiary and Bank -
(TO BE FILLED IN BLOCK LETTERS OR TYPED)
From:- Full Postal Address of the Branch The Branch Manager, …………………..….Branch Vill./Town:-..……………………… ………………………Tehsil Road:-...…………………………… ……………………..District P.O.………… Pin………...…….… ...……………………...State District:-……………………..……. State:……………………………….
Ref. No. Date:- ______
To The Chief Executive Officer The Director of Industry, The State / Divisional OR ______State/UT KVI Board OR ______Director ______State Khadi and V.I. Commission
(THROUGH THE FINANCING BANK's NODAL BRANCH)
Sub:- Payment of "Govt. Subsidy" against the Bank Finance sanctioned under Prime Minister Employment Generation Programme of KVIC - regarding.
Sir,
I/We…………………………………………………………..……………son/ daughter / wife of ……………………………………………….….. Secretary / Chairman / President / Managing Trustee / Proprietor of ……………………………… hereby inform that a Industry project has been sanctioned in my/our favour under the captioned Scheme by …………………...…………………………………………………..……(Name of the Financing Bank) Branch.…………………………………Tehsil…………….………..District………………………....…… State of ………………………..…… Details of Project Cost Amount (Rs.) Means of Finance Amount (Rs.) A) Capital Expenditure:- Own Contribution (i) Workshed (ii) Machinery/Equipment Term Loan For Fixed Capital B) Working Capital Cash Credit for Working Capital TOTAL (Rs.) TOTAL (Rs.)
Note : 1. Cost of land should not be included in the Capital Expenditure under the project cost. 2. Total Cost of the project should not exceed Rs.25.00 lakhs for manufacturing and Rs.10.00 lakhs for Business / Service Sector..
Signature of the beneficiary…………………….……….. Contd….2/-
Page 120 of 234 2 2. I / We, therefore request you to please advise the Bank to disburse an amount of Rs.……………… (Rupees…………………………………………only) being the Govt. Subsidy sanctioned by the KVIC/KVI Board /DIC. The detail of my / our project is as under:
2.1. (a) Full Name of the beneficiary/Society/ Institution/Trust :
(b) Father’s Name (In case of Individual) :
(c) Date of Birth of individual :
(d) Full Address (with Pin Code) :
(e) Legal Status/Constitution : (Partnership firm not eligible)
(f) Registration No. and date, if any :
2.2 Location of the Unit : (Village,Taluka,Dist.and State with Pin Code)
2.3 Village Industry Activity (Please specify) :
2.4 (a) General Category or : YES/NO (b) Whether the beneficiary belongs to SC/ST/Minority : /OBC/Ex-Servicemen/PHC/Women/HBA. ( Please specify)
2.5 Per Capita Fixed Investment : Rs. ……………. (C. E. divided by full time employment equal to Rs. 1,00,000 in plain areas & Rs 1,50,000 in hilly areas
2.6 Employment envisaged:- a) Full time :
2.7. Particulars of deposit of a) Nature of Deposit : SB/CD Own Contribution:- b) Account No. : c) Date of deposit : d) Amount deposited: Rs. …..………………
2.8 Bank's Sanction Letter No. : (Copy of sanction order to be enclosed) …………………… Date of Sanction : ………………….
2.9 Date and amount of first disbursement : (Certified copy of ledger extracts to be enclosed) :
2.10 Whether the sanction is covered under Credit Guarantee Fund Scheme for Micro, Small Industries of CGTMSE :
3. I / We hereby agree to abide by the terms and conditions and instructions issued by the Khadi & V. I. Commission in this behalf from time to time and those to be issued in future with regard to PMEGP. I/We also agree to furnish quarterly progress report on production, sales, employment, wages paid etc. to the Bank which in turn will send the information on quarterly basis to the Khadi & V.I. Commission/Board for record and further information.
4. I / We hereby declare that the Govt. Subsidy has not been claimed either by me or by any other person of my family for the same or any other Project in the past and “one family one subsidy” norm has been followed. Further, the Bank credit has not been/will not be utilized to adjust or square off any previous loan / advance taken by me / us in the past.
5. Certified that the unit financed by ………………………………..………(Name of Financing Bank) ………….………………………………….…...... (Name of the Branch) in my / our favour under …………………………………….……….. (activity/industry) is a new Industry unit and not an existing unit.
6. (*) It is also certified that the unit located at the address mentioned in the Govt. Subsidy is in my name only and I am the sole proprietor of this unit. It is also declared that, it is not a Partnership Firm/Private Company, etc.
Signature of the Beneficiary…………………..… Contd…..3/-
Page 121 of 234 3
7. Certified that I/We have already undergone necessary EDP Training of…………... Days / Months during the year ………………… conducted by ………………………………. (Name & Address of the training institute).
OR
8. Certified that I/we shall display following sign-board at the main entrance of my / our project site:-
…………………………………………………………..…………..…….(unit name) Financed by ………………………………………………………………….... (Bank) under PMEGP Scheme of KVIC.
9. I/We are ready to bear the amount of Guarantee fee and Annual Service fee in respect of Credit Guarantee Fund Scheme for Micro, Small Industries operated by CGTMSE, if the Bank in its discretion decides to recover the same.
10. I/We, hereby undertake to refund proportionate amount of Govt. subsidy calculated on working capital loan/cash credit facility, if the said WC Loan/ CC facility is not adequately utilized as per stipulated norms of KVIC. The average utilization of working capital during the first year of operation of the unit should not be less than 75% of the sanctioned limit and the limit should touch at least one peak level utilization of 100% within two years' period before the Govt. Subsidy amount is adjusted with the loan amount.
11. It is hereby declared that all facts furnished above by me/us in the Govt. Subsidy claim are correct and if any information is found to be false or leads to misguiding the authorities with ulterior motive of availing Govt. Subsidy, I /We should be subjected to any punishment as deemed fit in the eyes of law.
12. The Advance Stamp Receipt of Govt. Subsidy amount is also attached.
Yours faithfully,
Place: Date: Signature of the Beneficiary SEAL
COUNTERSIGNED
BRANCH MANAGER
(Seal of the Bank Branch)
Page 122 of 234 4
RECEIPT Received Rs. ………………… (Rupees………………………………… only) from the Chief Executive Officer, Khadi and Village Industries Commission Mumbai-56, towards the payment of "Govt. Subsidy” in respect of project for ……………………………….……………… sanctioned for Rs. ………………… by …………………………………… Bank at ……………………………….. Branch.
(Revenue Stamp) (Signature of the Applicant) Note:- In case of a Co. operative Society/Institution, Seal has to be affixed.
(For the use of the Bank/Branch)
1. In consideration of the project of the above beneficiary / Institution, our Bank / Branch has sanctioned a loan of Rs. …………………… after proper appraisal of the project at this end. As against a loan of Rs. ……….….. (C.E. Rs………….. W.C. Rs. ……………) the Bank has released first installment/full lump sum amount of loan of Rs. ………..… on ………..…… The Bank shall arrange to deposit the amount of Govt. Subsidy in Term Deposit in the name of the beneficiary for 3 years from the date of release of first installment of the loan. It is confirmed that no interest will be paid on the amount of TDR by the Bank and no interest will be charged on the corresponding amount of the loan for a period of 3 years. The Bank is aware, that if the advance goes "bad" before 3 years, Govt. Subsidy will be adjusted to liquidate loan liability of the beneficiary with interest. Recovery, if any, effected later will be remitted to the Commission.
2. Certified that the unit sanctioned by our Bank Branch in favour of Shri/Smt/ M/s. ………………………………………………………………………... is a new unit and not an existing unit. The instant Govt. Subsidy claim is in conformity with the guidelines and instructions issued by RBI, KVIC and our Bank. The instant project has not been sanctioned for utilization / adjustment partly or wholly, of any debt deemed bad or doubtful of recovery or to adjust / liquidate any past loan/advance.
3. Certified copy of the Sanction order of the Bank and certified ledger extracts of the borrower’s Term loan A/c and Cash credit account is / are enclosed.
4. Shri/Smt…………………………………………………… Son/daughter / wife of ……………………………………………………… has been undergone EDP training and a copy of the certificate is enclosed .
5. Certified that the unit sanctioned by our Bank Branch in favour of Shri/Smt/Ms………... ……………… and Govt. Subsidy amount released to the unit will be proportionately recovered and remitted to KVIC if the unit does not adequately utilize the WC/CC facility as per KVIC norms i.e.the average utilization of WC during the first year of operation of the unit should not be less than 75% of the sanctioned limit and the limit should touch atleast one peak level utilization of 100% within 3 years' period before the Govt. subsidy amount is adjusted with the loan amount.
(Signature) Place: (Designation of the Bank Official) Date : (Seal of the Bank) Enclosures: As above. Signature Code/P.A.No……………..
Page 123 of 234
ANNEXURE - "E"
TO BE STAMPED AS AN AGREEMENT AS PER THE STATE STAMP ACT IN FORCE
LETTER OF UNDERTAKING TO BE SIGNED BY THE BORROWER FINANCE UNDER KVIC - REGP
To, The Branch Manager, ______
LOAN SANCTIONED UNDER THE REGP OF THE KVIC
FOR ______(ACTIVITY)
I/We have been sanctioned with a loan for Rs.______(Rupees ______) on ______for which necessary documents have been executed by me/us. I/We shall become eligible for Margin Money Assistance of Rs.______(Rupees ______) under the above scheme only after KVIC approves my/our eligibility for the Margin Money. Pending approval & admission of the claim by KVIC the Margin Money Subsidy amount may be retained in a Term Deposit Account with the Bank in my/our name for two years with lien marked for the loan sanctioned. In case of non-admission / non approval of claim by KVIC the Bank shall be entitled to. (a) Refund the subsidy in full to the KVIC. (b) To convert the sanction into one or the other of its schemes at its sole discretion without any further reference to me in this regard. (c) I further undertake to bind myself and abide by the decisions/actions taken by the Bank in this regard as aforesaid.
Yours faithfully,
Date :-
Signature of Borrower Page 124 of 234 SPECIMEN COPY
(NAME & ADDRESS OF THE STATE OFFICE,KVIC/KVIB/DIC
PHASE-A To
The Branch Manager, Name & Address of Financing Bank Branch
Sub: Acknowledgement letter for receipt of Margin Money claim. ------Sir,
This is with reference to the Margin Money claim submitted by you in respect of the beneficiary named below with details as under:
Name & Address of the Beneficiary
Category Name of the State Total project cost Rs. Amount of Bank Finance Rs. Own Contribution Rs. Amount of Margin Money to be released Rs. Industry and Activity Employment envisaged (Nos.)
2. Khadi & V.I. Commission/Board/DIC is pleased to acknowledge the receipt of Margin Money claim amounting of Rs.______(Rs.______in words) only to the above mentioned beneficiary for the project under PMEGP through the Nodal Branch of your bank.
3. In terms of undertaking, the said amount of Margin Money may be deposited in the TDR for three years in the name of the beneficiary in the financing Bank Branch and no interest will be paid on the amount of TDR by the Bank and no interest will be charged for corresponding amount of the loan. A xerox copy of the said TDR may be send to this office for record.
4. After three years the Margin Money amount may be adjusted against the outstanding loan of the beneficiary only after receipt of adjustment letter from the Khadi & V.I. Commission/KVI Board/DIC. Yours faithfully,
State/Divisional Director/CEO, KVIB/GM,DIC
Page 125 of 234 : 2 :
NOTE: Please display the following Board at the unit site.
The ______(unit name) is financed by ______(Banks name) under Prime Minister’s Employment Generation Programme (PMEGP) , Govt. of India.
Copy to:
1. The beneficiary It is requested to contact the Banker (Financing Branch) and complete all the required formalities. Further, he/she is requested to furnish monthly progress report on production sales, employment to the Banker and this office from time to time. Further, all records should be kept ready and update to be produced before the Commission/Board/DIC at the time of inspection at any point of time.
2. The Manager For information and necessary action please. It Nodal Branch) is requested to send the Xerox copy of TDR to this office for record.
3. Accounts Wing of S.O./D.O./KVIB/DIC
Page 126 of 234 SPECIMEN COPY (NAME & ADDRESS OF THE STATE OFFICE, KVIC/KVIB/DIC PHASE-B To
The Branch Manager, Name & Address of Financing Bank Branch
Sub: Adjustment of Margin Money claim.
Sir,
This is in continuation to acknowledgement letter for receipt of Margin Money claim dated ______of Margin Money in favour of the beneficiary, where details are as under:
Name & Address of the Beneficiary
Category Name of the State Total project cost Rs. Amount of Bank Finance Rs. Own Contribution Rs. Amount of Margin Money to be released Rs. Industry and Activity Employment envisaged (Nos.)
2. During the course of physical verification of the unit in question, it is found that the availment of actual bank loan by the beneficiary is as under:
Details Term Laon Cash Credit (Rs.) (Rs.) Bank Finance Sanctioned Bank Finance Utilized M.M. disallowed
3. In view of the above, Khadi and Village Industries Commission/Board/DIC is pleased to sanction Margin Money of Rs.______(Rs.______in words) as against the release of Margin Money of Rs. ______vide acknowledgement letter referred to above. The said sanctioned amount may be adjusted against the loan of beneficiary.
4. An amount of Rs.______(Rs.______in words) being Margin Money disallowed may be remitted immediately to the Nodal Branch under intimation to this office.
Yours faithfully,
State/Divisional Director/CEO, KVIB/GM, DIC
Page 127 of 234 : 2 :
NOTE: Please display the following Board at the unit site.
The ______(unit name) is financed by ______(Bank name) under Prime Minister’s Employment Generation Programme (PMEGP), Govt. of India.
Copy to:
1. The beneficiary It is requested to contact the Banker (Financing Branch) and complete all the required formalities. Further, he/she is requested to furnish monthly progress report on production sales, employment to the Banker and this office from time to time. Further, all records should be kept ready and update to be produced before the Commission/Board/DIC at the time of inspection at any point of time.
2. The Manager For information and necessary action please. It Nodal Branch) is requested to send the Xerox copy of TDR to this office for record.
3. Accounts Wing of S.O./D.O./KVIB/DIC
Page 128 of 234 LIST OF EDP TRAINING CENTRES
STATE : ORISSA http://pmegp.in/EDP%20Centers.doc
No Name and address EDP Phone/fax training centrs 1. MUKTI 9437188101/ 06762224919 Gandhimandir Road, E-mail-Mukti-Jitubhai@ At/Po. Dhenkanel yahoo.Com Dist.Dhenkanal 2. Juna Shikshan Sansthan 9437031797 Vikash Nagar Fax No.0674-231340 Turang Angul(Orissa) 759122 3. Institute of Entrepreneurship 0674-2585609/2587176 Development, Orissa Mancheswar Industrial Estate Near Postal Printing Press Bhubaneswar-751010 4. District Industries Centre 06652-233302 Bolangir, At & Po/Dist: [email protected] Bolangir(Orissa) 5. MSME Development Institute Vikash Sadan, College Square,Cuttack, Dist: Cuttack 6. Gram Vikash 0680-2261866 to 69 At: Mohuda, P.OL. Fax No. 0680-2261862 Berhampur-760002 [email protected] Dist: Ganjam 7. District Industries Centre, 0663-2411487 Sambalpur, Dist: Sambalpur [email protected] 8. District Industries Centre, 06645-271785 Jharsuguda, Dist: jharsuguda 9. National Institute of Technology, 0662-2272236 Rourkela, Dist: Sundargarh [email protected] Or District Industries Centre, Sundargarh, Dist: Sundargarh 10. Orissa School of Mining Engineering 06766-255432 At/P.O. Keonjhar garh-758001 Dist: Keon jhar 11. Multi Disciplinary Training 0674-2350724 Centre,Khadi & V.I.Commission, 0674-2585609 At : Udyogpuri, P.O.Khandagiri, 0674-2587176(F) Bhubaneswar-751010 (Orissa) 12. Sarvodaya Samiti, 9437053637 Gandhinagar, Korapur-764020, [email protected] Dist: Koraput 13. National Rural Resource Education & 06641-226253 Training Centre Fax No. 06641-226111 Managed by Sambalpur Silk & Gramodyog Samiti, Khaparsahi, Deogarh, Dist: Deogarh (Non Departmental Trg.Centre of KVIC) 14. District Industries Ceentre At/P.O. Phulbani
Page 129 of 234 Dist, Kandhamaal(Orissa) 15. District Industries Ceentre At/P.O. Bhawanipatna District: Kalahandi(Orissa) 16. Institute of Management & Marketing 0671-2312715 Studies Fax No. 0671-2334579 High Court Colonyh, Arunodaya Market, Cuttack-12, Dist: Orissa 17 The Director, 0674 – 2341449`` RUDSET Institute, Plot No.S/10, Indira Gandhi Co-op Hsg. Colony Lingipur, Bhubaneshwar – 761 002(Orissa) 18 Centre for Social Development, Mob: 9437281040 H.O. Sshree Jaganath Sishu Bihar, Old Sadar Tane Road, Dist:Puri-752001 19 Sodha Subarn Mukhi Mob: 9938692677 Sanskrulika Parisad, At: Sodha, Po: Dobalvia, Dharma Nagar, Dist: Bhadrak-756117 20 Entreprenureship Development Mob: 9861063551 Centre, (UCO Bank), Puri Govt. I.T.I. Campus, Water Work Road, Sri Vihan, Puri-752003 21 KANNA,KNL-3/1, Kalyan Mob: 9437209180 Nagar, Budharaja, Sambalpur- 768004 21 The Mother Vocational 06757-235079 Training Institute, At:Krishna Chandrapur Paalna, Po: Kanlil, Dist: Nayagarh-752078 22 Foundation for Mob: 9437614194 Entrepreneurship Development Of Orissa, Pl. No.50, Jagamohan Nagar, Green Park Area, Khandagiri, BBSR-757030 23 Udyog Vikas, C-104, Satyam 9437001960 Tower, Bomikal, BBSR-751010 24 Indradevi Sultania Memorial Mob: 9937053089 Institute, Near Women’s Collegee, MBR, Po/Dist: Jharsuguda-768201 25 MISSION, At:Townplaning Mob: 09861868192 Colony, Po: Dhenkanal, P.S./ Dist:Denkanal-759013 26 Sree Shrikshetra Sochana C/o: Mob: 9437058632 Hi-Tech Office, Station Square, Near Ghoda Bazar, Dist: Puri-752002 27 APITCO, Limited, 8th Floor, 09937002883 Parisrama Bhavanam, Basheerbagh, Hyderabad- Regional Office, Bhubaneswar 28 RUDEST INSTITUTE PL. Mob: 9438107088 NO.336 (P) Kolathi Road,
Page 130 of 234 Near- Bijuu Energy Park, Khandagiri, Bhubaneswar 29 Society for Enterpreneureship Mob: 9437072215 Environmental & Human Resources/Development, S-4/113, Neeladri Vihafr, Bhubaneswar-751021 30 UTKALIKA, Biodanasi Nuasahi Via Market Nagar, Cuttack- 723014 31 Andhara Bank Institute of Mob: 9337117538 Rural Development, At- Tampara P.O. Chattrapur Dist. Ganjam-761020 32 Orissa Project & Marketing Mob: 09437274487 Development Centre Palamandap Badambadi, Cuttack-753012 33 Siva Sankar Development Club Mob: 9337650278 (SSDC), At-Bholias, P.O. Bandhagaon, Via-Charampa, Dist: Bhadrak-756101 34 Women’s Institution for Social Mob: 9238512423 Enlightenment, Ganjam- 35 The Director, 06764-231797 Janashikshan Sansthan, Vikash 06764-231340(F) Nagar, Turang, Angul, Dist: Angul 36 The Co-ordinator 0661-2462952 School for Entrepreneueship 0661-2462999(F) Development National Institute of Technology, Rourkela-769008, Dist: Sundargarh 37 Centurion School of Rural Enterprises Management (CSREM), Southern Orissa
Page 131 of 234
LIST OF NODAL BANK BRANCHES IDENTIFIED FOR OPERATING GOVT. SUBSIDY (MARGIN MONEY) UNDER PMEGP IN RESPECT OF INDUSTRIES DIRECTORATE, ORISSA. CUTTACK (FOR DICS)
Name and address of Nodal Bank
1 ALLAHABAD BANK, Bapuji Nagar, Bhubaneswar – 751009 2 ANDHRA BANK, Main Branch, 52-53, Ashok Nagar, Bhubaneswar - 751009 3 BANK OF BARODA, Samantarapur, Lewis Road, Bhubaneswar-751002 4 BANK OF INDIA, Kharvela Nagar branch, Bhubaneswar - 751001 5 CENTRAL BANK OF INDIA, BJB Nagar, Bhubaneswar 751014 6 CORPORATION BANK, Kharvela Nagar, Bhubaneswar - 751001 7 CANARA BANK, Bapuji Nagar, Bhubaneswar – 751009 8 DENA BANK, Janpath, Bhubaneswar - 751001 9 INDIAN BANK, Janpah, Ashok Nagar, Bhubaneswar –751009 10 INDIAN OVERSEASE BANK, Saheed Nagar, Bhubaneswar - 751007 11 PUNJAB NATIONAL BANK, Bapuji Nagar, Bhubaneswar – 751009 12 SYNDICATE BANK, Kalpana Square, Bhubaneswar 751014 13 STATE BANK OF INDIA, Govt. Treasury Branch, Bhubaneswar - 751001 14 UNITED BANK OF INDIA, Malisahi branch, Kharvela Nagar Bhubaneswar - 751001 15 UCO BANK, Ashok Market Branch, Bhubaneswar – 751009 16 UNION BANK OF INDIA, Nayapalli, Bhubaneswar - 751015 17 VIJAYA BANK, Ashok Nagar, Bhubaneswar – 751009 18 ORIENTAL BANK OF COMMERCE, BDA, branch, Bhubaneswar – 751001
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PMEGP 2009‐10 CIRCULARS
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KHADI AND VILLAGE INDUSTRIES COMMISSION IRLA ROAD, VILE PARLE (WEST), MUMBAI-56
No.PMEGP/Pvt Cop.Bank/Scheme/09-10 Date: 17-06-2009 C I R C U L A R Subject : PMEGP scheme implementation through Scheduled Commercial Banks under Private Sector and Co-operative Sector -reg.
Ref : i) Standing Order No.1673 dt. 1-10-2008 ii) Office Order No. 2027 dt. 1-10-2008.
The role of Scheduled Commercial Banks under Private Sector and Co-operative Sector in the implementation of PMEGP is given in the guideline stating that Margin Money portion will be paid on actual reimbursement basis to such Banks by KVIC, references are receiving from various field offices regarding detailed operational guidelines for implementation of PMEGP scheme through Scheduled Commercial Banks under Private Sector and Co-operative Sector. In this regard, the following steps may be followed while implementing the scheme through Scheduled Commercial Banks under Private Sector and Co-operative Sector. 1. The intended Scheduled Commercial Banks under Private Sector and Co-operative Sector are to be approved on case to case basis by State Level Task Force Committee(Monitoring committee) headed by Principal Secretary, Industries / Commissioner Industries after verification of intending banks’ last 3 years balance sheet by ascertaining quantum of lending portfolio.
Cont.
Page 139 of 234 2. Lendable portfolio covering the exact amount of Lendable fund by the Scheduled Commercial Banks under Private Sector and Co-operative Sector earmarked for implementation of PMEGP scheme in a particular year. This has to be ascertained by verification of last three years balance sheet about lending ratio towards various government Schemes of the particular bank. 3. The State Level Task Force Committee (Monitoring committee) will exercise utmost caution while approving Scheduled Commercial Banks under Private Sector and Co- operative Sector after due care based on their financial soundness. 4. The State Director in consultation with State/UT KVIB, Director of Industries of respective State (for DICs) and SLBC will identify one Nodal branch in any major Scheduled Commercial Banks under Private Sector and Co-operative Sector at State head quarters or where State Office of KVIC is located. Based on the need open one Saving Bank Accounts by KVIC/KVIB/DIC exclusively to deal with all Scheduled Commercial Banks under Private Sector and Co-operative Sector with consensus of all participating Financing Branch/Banks. This Branch will settle the Margin Money Claims of respective agencies of the State. The Nodal Bank should give monthly progress report (agency wise) to respective State Director. 5. The Divisional Director, KVIC may also identify one Nodal Branch in any Major Scheduled Commercial Banks under Private Sector and Co-operative Sector at Divisional headquarters with consultation of State Director and SLBC. The Divisional Offices
2 Page 140 of 234 will entertain only the claims of KVIC’ sponsoring projects within the target limit. 6. Target of Scheduled Commercial Banks under Private Sector and Co-operative Sector will be allotted by State Director in consultation with KVIB, Directorate of Industries of respective State (for DICs) and SLBC and proportionate total funds will be deposited in the identified Nodal Branch out of total allocation of the respective implementing agencies i.e. KVIC,KVIB and DIC in consultation with SLBC based on target allotted to such Scheduled Commercial Banks under Private Sector and Co- operative Sector.
7. In case if it is found that the unit is not fulfilling any criteria prescribed under PMEGP, or any vigilance/legal issues related to unit financed through Scheduled Commercial Banks under Private Sector and Co-operative Sector, the respective implementing agencies i.e, KVIC, KVIB and DIC will be the final authority to settle or call back the Margin Money within three years of lock in period in their jurisdiction. 8. The Financing Branch of the Scheduled Commercial Banks under Private Sector and Co-operative Sector should ensure all other formalities / norms of PMEGP viz. the project has been selected by District Task Force Committee (DTFC), imparting two weeks EDP training to the entrepreneur, colour coding of application, MM claim form, timely settlement of Claims etc.
9. The respective State/UT KVIB and State Industries Department should submit the progress report of Scheduled Commercial Banks under Private Sector and Co-operative Sector in addition to the report of public sector Bank to the concerned State office. State Office, KVIC while preparing monthly / annual 3 Page 141 of 234 report of public sector Bank, the performance of Scheduled Commercial Banks under Private Sector and Co-operative Sector may be included in the report of concerned implementing agencies i.e. KVIC, KVIB and DICs and consolidated report may be sent to Central Office based on the guidelines already issued in this regard. 10. Other guidelines issued vide Standing Order No.1673 and Office Order No.2027 dated 1-10-2008 may be followed simultaneously in all such cases. 11. This circular will be effective for projects sanctioned through Scheduled Commercial Banks under Private Sector and Co-operative Sector for the year 2008-09 and onwards.
(J. S. Mishra) Chief Executive Officer
Copy for information and necessary action to: 1. All State/Divisional Directors of KVIC 2. C.E.O. KVIB of State / U.T. 3. Director / Commissioner, Industries, State Government
Copy for information to : 1. Jt. Secretary, Ministry of MSME, Udyog Bhavan, New Delhi 2. Members of KVIC 3. Financial Advisor, KVIC, Mumbai 4. C.V.O., KVIC, Mumbai 5. All Zonal Dy. Chief Executive Officers 6. Secretary to Chairperson 7. CEO Cell 8. All Programme / Industry Directors, Mumbai. 9. Director ( IT) for website 10. Director ( Publicity) for publishing in Jagriti.
(A. K. Dwivedi) Director (PMEGP)
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KHADI VILLAGE INDUSTRIES COMMISSION 3, IRLA ROAD, VILE PARLE (WEST), MUMBAI-56
No.REGP/PMEGP/Cir.Guide/BFL/09-10 Date: 17-06-2009
C I R C U L A R
Sub : Guidelines of Backward & Forward Linkages under PMEGP-reg.
Ministry of Micro, Small & Medium Enterprises, Govt. of India in a revolutionary step has launched Prime Minister Employment Generation Programme (PMEGP) by merging both the Central sponsored subsidy scheme i.e. PMRY and REGP into one scheme. Khadi and Village Industries Commission is nominated as National Nodal Agency for implementing PMEGP Scheme. The scheme is being implemented through KVIC and KVIB in rural area and DIC in rural as well as urban areas.
To implement the PMEGP scheme across the country, Promotional support is being provided under Backward and Forward Linkages of PMEGP. These activities include EDP Training, Awareness Camps, Bankers Meetings, Workshops, Exhibitions, Review Meetings, Publicity & Advertisement, Physical Verification, etc. The approved guidelines by Ministry of MSME, Govt. of India has been circulated in the form of booklet in Hindi & English. However, the operational guidelines for Backward & Forward Linkages and reporting formats for maintenance of records is enclosed as follows:- a) Operational guidelines for Backward & Forward Linkages at Annexure-A. b) Prescribed format of project sponsoring letter at Annexure-B. c) Prescribed format of maintenance of books of account at the level of State/Divisional Office, KVIC , KVIB and DIC at Annexure-C. d) Prescribed format of sponsoring the beneficiary for EDP training at Annexure-D. Contd….2…/-
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: 2 :
All concerns are requested to follow the enclosed operational guidelines strictly while implementing the Prime Minister's Employment Generation Programme in Rural Area as well as Urban Area. This will come in to force with immediate effect.
Encl: As above(Annexure-A to D)
CHIEF EXECUTIVE OFFICER
To, 1. All State/Divisional Offices of KVIC 2. The Heads of all State/UT. KVI Boards 3. The Heads of all State/UT DIC 4. All Dy.CEOs, KVIC. 5. All Training Centers of KVIC (RICS)
Copy to :-
1. P.S. to Hon’ble Chairperson, KVIC, Mumbai-56. 2. P.S. to Chief Executive Officer, KVIC, Mumbai-56. 3. P.A. to Financial Advisor , KVIC, Mumbai-56. 4. All Members of Commission. 5. All Program Directors, KVIC, Mumbai-56. 6. Director Publicity to publish in ensuing jagriti. 7. Director (IT) for placing KVICs web. site.
DIRECTOR(PMEGP.) Tele. Fax No.022-26713686
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ANNEXURE-A
OPERATIONAL GUIDELINES UNDER BACKWARD FORWARD LINKAGES OF PMEGP SCHEME
A) SPONSORING OF PROJECT AFTER APPROVAL BY DTFC.
(i) Project proposals will be invited from potential beneficiaries at district level through press, advertisement, radio and other multi-media by KVIC,KVIBs and DICs jointly at regular intervals depending on the target allotted to the respective district. The scheme may also be advertised /publicized through the Panchayati Raj Institutions which will assist in identification of beneficiaries. a) Sponsoring of project by any agency is not mandatory. The beneficiary can directly approach Bank/Financial Institution along with his/her project proposal or it can be sponsored by KVIC/ KVIBs / DIC/Panchayat Karyalayas etc. However, the applications received directly by the Banks will be referred to the District Task Force Committee first for its consideration. b) A District Task Force Committee, consisting of the following members, scrutinize and recommend the applications received by it.
Dist Magistrate/Dy Commissioner/Collector - Chairman Lead Bank Manager - Member Representative of KVIC/KVIB/DIC - Member Representative of NYKS/SC/ST Corporation - Special Invitee Representative of MSME-DI, ITI/Polytechnic - Special Invitee Representatives from Panchayats - 3 members (To be nominated by Chairman/District Magistrate/Deputy Commissioner/Collector by rotation) General Manager, DIC or Rep.of KVIC or Rep.of KVIB -Member Convenor
Based on the assessment made by the DTFC,as good , satisfactory and unsatisfactory , the good and satisfactory cases may be forwarded to the Financing Branch through respective implementing agencies and unsatisfactory cases may be returned Contd…4/-
3 Page 145 of 234 : 4 : back to the beneficiaries. If necessary respective agencies may resubmit those rejected cases before DTFC with full details/justification for reconsideration. The format of sponsoring letter is placed at Annexure-B and the prescribed format for maintenance of books of accounts is placed at Annexure-C. [ B) ENTREPRENEURSHIP DEVELOPMENT PROGRAMME (EDP):
As per the approved guidelines under PMEGP , the beneficiary has to undergo two weeks Entrepreneurship Development Programme (EDP) before release of first installment of the loan. EDP is mandatory under PMEGP. The main objective of the training programme is to motivate, inspire, develop confidence for capacity building to an entrepreneur to manage and sustain the unit successfully. (Format for sponsoring the beneficiary for undergoing EDP training under PMEGP Scheme is enclosed herewith as Annexure-D).
2. Objectives:
• To impart knowledge on the concept of entrepreneurship, its challenges and prospects. • To develop entrepreneurial competencies of viz., achievement motivation, risk taking ability, confidence, goal setting ability of the potential entrepreneurs. • Impart knowledge on procedure and formalities of setting of an enterprise/ business. • Develop skills on management of a unit/ business establishment including financial and marketing. • To impart knowledge on identification of business opportunities and preparation of business plan.
3. Duration :
Two weeks (10 working days)
Contd….5/-
4 Page 146 of 234 : 5 : 4. Eligibility :
All the beneficiaries of PMEGP scheme whose projects have been sanctioned and the first installment have not been released. The training programme is mandatory for release of first installment of loan to the selected beneficiaries of PMEGP scheme.
5. Exemption :
Beneficiaries who have already undergone similar training at any EDP institute of repute i.e. National or State level for a period of minimum 2-3 weeks are exempted from attending the said training.
6. Eligible institutions for imparting training: a) Training Centers of KVIC and KVIB's. b) Accredited Training Centres run by Central Govt. , NSIC c) Three national level entrepreneurship development Institutes (EDPs) i.e. NIESBUD, NIMSME, and IIE and there partner institutions under the administrative control of Ministry of MSME, d) State Governments, Banks , Rural Development and Self Employment Training Institutes (RUDSETI), e) Reputed NGO's and other organizations/institutions identified by the Govt. from time to time f) Training Centers / Institutes identified by KVIC for the purpose.
The following criteria is to be fulfilled to act as accredited training Centre under PMEGP. i) Legal status of the training institute. ii) The training institute must be situated in area where in the public transport is easily available. iii) Institute should have own / rented office building suitable for the training, at least two classrooms (50 intake capacity) with LCD projector, power supply, potable water with hostel facility etc. iv) The institute must have landline phone, fax and internet connectivity in the premises.
Contd…..6/-
5 Page 147 of 234 : 6 : v) Minimum 4 permanent faculties having knowledge of Technical/ Economics , Environmental, accounting, taxation, marketing etc. along with the other administrative supporting staff. vi) At least three years minimum experience for conducting EDP or similar course in the institute. vii) Credibility of the institution in the area certified by the State / Divisional Director, KVIC. viii) Before recommending the institution for accrediting, the State/Divisional Director should ensure that, institutions are accredited on need base only in the state and accredited training centres should not suffer for shortage of trainees.
N.B: A list of tentative training institutes for the purpose is kept on KVICs website i.e. on www.kvic.org.in and www.pmegp.in may please be referred.
7. Curriculum:
The topics to be covered during the course includes:- i) Becoming an entrepreneur ; Challenges ahead ii) Entrepreneurial competencies; Achievement motivation and Attitude building, developing confidence. iii) Establishment of an enterprise; identification of Business opportunity and business plan preparation. iv) Enterprise management. v) Managing the scarce finance; financial planning and accounts maintenance. vi) Marketing the product. vii) Statutory laws, rules and regulations of Government to be followed/ abide by the entrepreneur. viii) Expansion, growth and sustainability of the enterprise.
8. Course Plan:
Duration –Two Weeks. Total Periods - 40 Daily Schedule
Sr.No. Session Time Particulars 1 I 09.30 to 11.15 Hr. Class 11.15 to 11.30 Hr. Tea break
Contd…7/-
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2 II 11.30 to 13.15 Hrs. Class 13.15 to 14.00 Hr. LUNCH 3 III 14.00 to 15.45 Hrs. Class 15.45 to 16.00 Hr. Tea break 4 IV 16.00 to 17.45 Hrs. Class
Days 1st Session 2nd 3rd Session 4th Session Session 1 Registration & Rapport Entrepreneurshi Characteristics Inauguration building p of an & Charms & entrepreneur; Unfreezing Challenges A matter of attitude & skill. 2 Internalizing Continued Continued Continued of entrepreneur competencies; Thematic Appreciation test ( TAT) 3 Risk Taking Problem Communication Leadership behavior solving and creativity 4 Business plan Establishm Legal Resource preparation ent of an formalities for mobilization enterprise; setting up of and support Systematic the unit system; Role of approach supporting organizations. 5 Managing the Quality Design and Manpower enterprise; manageme Packing management Purchasing, nt inventory/ material management. 6 SATURDAY: Visit to a Small Scale Industry preferably run by a successful entrepreneur. 7 SUNDAY: 8 Accounts & Book- Continued Working capital Brea keeping: management. k even analy sis Contd……8/-
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9 Costing, Pricing Marketing Continued Cust and profit strategy and omer management. Sales mana Techniques. geme nt. 10 Time Management Sustainability Enterprise growth; Conti of an unit; Product nued Precautions diversification and needed expansion 11 Crisis IT factor for Union & State laws Conti management. managing an to be followed by nued. unit; An an unit; Sales Tax, impending Vat, Income Tax need etc. 12 Interaction with a Continued Programme Valed successful Evaluation ictory entrepreneur/s; his experience of establishment / managing an unit.
Total working days : 10 One day for study visit
9. The study material has been prepared for above training purpose and kept on KVICs website i.e. www.kvic.org.in and www.pmegp.in which may please be referred.
10. BATCH SIZE :
20 Trainees per batch.
11. EXPENDITURE PER BATCH : i) For Departmental & Non - departmental Training Centers of KVIC / KVIB a) Boarding – Rs.120 X 20 X 14 days = Rs.33,600/- b) Lodging - Free c) Guest faculty - 35 Session X Rs.500 = Rs.17,500/- d) Study material - 20 X Rs. 200 = Rs. 4,000/- e) Stationery – 20 X Rs.100 = 2,000/- Contd….9/-
8 Page 150 of 234 : 9 : f) Miscellaneous Expenditure – 20 X Rs.200 = Rs.4,000/- g) Incentive to institute - Rs.5,000/- per batch. Expenditure per batch: ii) Training Centre those who are not receiving any grant either from State or Central Govt. a) Lodging of participants including Hall charge – Rs.1,000/- per day i.e. 15 days = Rs. 15,000/- b) Boarding - Rs.120 X 20 X 14 days = Rs.33,600/- c) Guest faculty - 35 Session X Rs.500 = Rs.17,500/- d) Study material - 20 X Rs. 200 = Rs.4,000/- e) Stationery – 20 X Rs.100 = Rs.2,000/- f) Miscellaneous Expenditure – 20 X Rs.200 = Rs.4,000/- g) Incentive to institute - Rs.5,000/- per batch.
SUM TOTAL OF EXPENDITURE PER BATCH (In Rs.) Sr. Head of KVIC/KVIB AccreditedTraining No. Expenditure Training Centers Centres 1 Lodging of Free 15,000 Participants 2 Boarding 33,600 33,600 3 Guest faculty 17,500 17,500 4 Study material 4,000 4,000 5 Stationery / Printing 2,000 2,000 etc. 6 Misc. expenditure 4,000 4,000 7 Incentive to 5,000 5,000 Institute TOTAL : 66,100 81,100
Inter change of expenditure from one head to another is permitted within overall allocation. (Note:- Expenses on study tour are to be met out from the head of misc. exp. & incentive to the institute by the institution.) Contd…10/-
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Per head expenditure at KVIC/KVIB/DIC Training Centers who are receiving grant either from State or Central Govt. : Rs.3,305/-
Per head expenditure at Training Centers who are not receiving any grant either from State or Central Govt. : Rs.4,055/-
12. EVALUATION: i) Immediately after completion of EDP, the participants may be instructed to fill up the Evaluation Form in the format provided to them in the last day of programme. ii) The evaluation format should be submitted to KVIC officials only. ii) Based on said Evaluation Reports submitted by the participants separately, the course evaluation reports will be prepared by the state/ divisional director and it may submitted to the Director, PMEGP and Director, HRD within 15 days of the completion of the course. iii) After completion of training on the basis of training certificate the financing branch of bank will released first installment of bank finance.
13. GENERAL : i) KVICs,KVIBs and DICs shall ensure that, the beneficiaries are provided EDP training either through Departmental and non-departmental training centres of KVIC or through the accredited training centres. Once the training is completed, the centre has to send the expenditure statement duly certified to the concerned State Office of KVIC. ii) The expenditure on EDP will be reimbursed by concerned State/Divisional Office, KVIC directly to EDP training centre. iii) While inviting guest faculties, preference and best efforts should be made to invite persons having requisite qualifications and experience needed for the particular topics. Government officials and entrepreneurs having long experience may be invited for delivering lecture on the topics such as tax laws, various rule/regulation to be complied under State/Central laws for establishment of an enterprise etc.
Contd……11/-
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C) DISTRICT LEVEL AWARNESS CAMPS :
These camps are to be arranged jointly by KVIC/ KVIB/DIC in the District.
1. Participants
i) KVIC officials ii) State KVIB officials iii) Revenue Officer iv) Local Bank Officials v) Local NGOs vi) DIC officials vii) Representatives of Panchayats viii) Prospective Entrepreneurs
2. Duration of Camps
4 to 6 hours
3. Topics to be covered a) The KVIC official has to explain about KVIC, its aims and objectives, its functions and commitment in the rural and urban areas, the role of DICs/KVIB, the role of the KVIC in rural industrialization in detail, the significant achievement of KVIC. A power point presentation about the Scheme and its operation procedure may also be made. b) To make aware about different instructions/guidelines issued on the Scheme by KVIC to the participants, if necessary by providing them copies thereof. Material/ Computer floppy on Scheme’s presentation through Power Point may either be prepared in the Local language or English/Hindi version of the Scheme may be collected from the Central/State/Divisional Office to have uniformity for the presentation through out the country. However, wherever required necessary modification may be made to suit the local requirement. c) After initial introduction as above, the KVIC/KVIB/ DICs official has to throw open the subject matter for open house discussion, where they have to give required clarification on the points raised or has to solve the problems faced by the PMEGP entrepreneurs. Contd…..12/-
11 Page 153 of 234 : 12 : d) The KVIC/KVIB/DICs official try to introduce a successful entrepreneur in the camp to share his experience with others. e) They should open a discussion on locally available raw material based Industries and on other potential industries in the area. f) Group wise Industry wise targets already communicated should be discussed based on the locally available raw material and concentration of the market outsourcing, so that the group industry targets can be achieved. g) The officials organizing the awareness camp has to maintain an attendance register and separate register for recording problems raised in the camp and clarification provided by them. The Minutes of the said camp along with list of persons attended the camp be furnished to the State Director and Dy. CEO of the Zone. h) Local cultural programme may be arranged wherever possible. i) The State Director has to furnish feedback about the number of projects received by the Banks as a result of such camp in the Village also needs to be furnished to Director (REGP/PMEGP). If any assistance is provided as a follow up action to the said camp also needs to be prominently mentioned in the feed back report. J) To be ensure that KVIC/KVIB/DIC banner is prominently displayed at the venue of the camp. k) A standard power point presentation CDs both in Hindi and English languages are prepared with voiceover by the Directorate of PMEGP and sufficient number of CDs will be provided to each KVIC, KVIB and DIC offices for making presentation at District Level Awareness Camps. If needed, same can be translated into regional languages by the respective offices and the expenditure may be met out of Backward & Forward Linkages fund provided to their respective offices. FINANCIAL PATTERN :
1 Printing of Pamphlets on PMEGP Rs.5000 2 Local Advertisement Rs5000 3 Conveyance Rs.1000 4 Tea/Snacks Rs.3000 5 Contingency Rs.1000 6 Hiring hall/Sound System Rs.4500 7 Hiring of Laptop and projector for Rs. 500 presentation Total Rs.20,000
Note :- Interchange of expenditure from one head to another is permitted within overall allocation. Contd…..13/-
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D) STATE LEVEL WORKSHOP ON PMEGP
These workshops are to be arranged jointly by KVIC/KVIB/DIC in the State.
1. Participants
i) State Government functionaries preferably Secretary/ Joint Secretary of Institutional Finance. ii) Secretary/Joint Secretary of Industries Department. iii) State Level functionaries of SSI/DRDA. iv) The Convener of SLBC. v) Regional/Zonal Managers/LDMS of public Sector Banks. vi) Chairman of RRBs. vii) General Manager of the RBI. viii) Managing Director of the Private Commercial Bank approved by the State Task Force Committee for implementation of PMEGP in the state. ix) Chairmen of Co operative Banks approved by State Task Force Committee for implementation of PMEGP in the State. x) Officials of the NABARD and SIDBI. xi) KVI Officials. xii) Chairman and CEO/managing Director/Secretary/ Executive Officer and other officials of the State KVI Board. xiii) NGOs in the State. xiv) General Managers of DICs. xv) DVIO’s. xvi) PMEGP beneficiaries.
2. Duration of the Workshop
4 to 6 hours.
3. Topics to be covered
(a) The KVIC official has to explain about KVIC, its aims and objectives, its functions and commitment in the rural and urban areas, the role of KVIB/DICs, the role of the KVIC in rural Contd……14/-
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industrialization in detail , the significant achievement of KVIC and then make a presentation, preferably through power point about the details of the Scheme and its operation procedure. The details of other KVI scheme and marketing networking also be discussed.
(b) To make aware about different circulars instructions issued on the Scheme by KVIC to the participants, if necessary by providing them copies thereof. Material/Computer floppy on Scheme’s presentation through Power Point may either be prepared in the Local language or English/Hindi version of the Scheme may be collected from the Central Office to have uniformity of presentation through out the country. However, wherever necessary modification may be made to suite the local requirement.
(c) After initial introduction as above, the KVIC/ KVIB/ DIC officials has to throw open the subject matter for open house discussion, where he has to give required clarification on the points raised or has to solve the problems faced by the PMEGP entrepreneurs.
(d) The KVIC/KVIB/DIC official try to introduce a successful entrepreneur in the camp to share his experience with others.
(e) They should open a discussion on locally available raw material based Industries and on other potential industries in the area.
(f) GroupWise industry targets already communicated should be discussed based on the locally available raw material and concentration of the market outsourcing, so that the group industry targets can be achieved. (g) It should be ensured that KVIC/KVIB/DIC banner is prominently displayed at the venue of the camp.
Note :- After the State Level Workshop is conducted, the minutes of the said workshop along with attendance sheet and photographs of the workshop is to be submitted to the Director (REGP/PMEGP) without fail. Non receipt of such report may result in stoppage of further sanction of funds.
Contd…….15/-
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FINANCIAL PATTERN FOR WORKSHOP
1 Hiring Halls, Chairs etc Rs.50,000/- 2 Hiring of Sound System Rs10,000/- 3 Printing and Stationary Rs..50,000/- 4 Tea/Snacks Rs. 10,000/- 5 Banners/displays Rs. 10,000/- 6 Misc Expn. Rs.2000/- 7 Conveyance Rs. 8000/- 8 Local Advertisement Rs.60,000/- Total Rs.2,00,000/-
(Note :- Interchange of expenditure from one head to another is permitted within overall allocation.)
E) QUARTERLY BANKERS REVIEW MEETING
(i) Lead Districts Managers Meeting (LDMs)
This will be organized by State/Divisional offices of KVIC jointly with KVIB & DIC. The focus of the meeting will be to inform and aware the Bank officials at LDM level about PMEGP, targets and implementation of the scheme. The KVIC will meet the expenditure for conducting such meeting. The maximum expenditure is restricted to an amount of Rs.25,000/- to meet the relevant expenses.
(ii) Zonal Review meeting.
To review and monitor the PMEGP scheme, Zonal Review will be conducted quarterly by KVIC in six zones where Representatives of KVIC, KVIB and DIC will participate in the review. Concerned Bank officials will also be invited. KVIC will restrict the expenditure to a maximum amount of Rs.50,000/- per meeting per zone to meet the relevant expenses..
(iii) Top Level Bankers Meeting
KVIC will organize the Top Level Bankers Meeting on half yearly basis (in June and December) so that proper monitoring may be done at the beginning and end of the financial year. CMDs/Senior Contd…….16/-
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Executives of Nationalized Banks, Representatives of Ministry of MSME, State DICs and KVIBs will participate in the national level Bankers Meeting which will be chaired by Chairperson/CEO, KVIC. The meeting will focus on reviewing the targets and will examine the issues related to policy decisions relating to Banks for implementation of PMEGP. The expenditure will be restricted to a maximum of Rs.5.00 lakhs per meeting.
F) EXHIBITIONS
PMEGP Exhibitions will be organized by KVIC at National, Zonal, State and District Levels and special exhibitions for North Eastern Zone, in co ordination with KVIBs and DICs as per sanctioned budget annually.. To promote products produced by PMEGP units, separate pavilions will be provided for display of products produced by units set up through KVIBs/DICs. These exhibitions are to be organized jointly by KVIC/KVIB/ DICs only.
Financial Pattern :
Sr. Exhibition Minimum Per Exhibition No. REGP/PMEGP Amount Participants (Rs. in lakhS) 1 Dist. Level Exhibition 10 1.00 2 State Level Exhibition 25 5.00 3 Zonal Level Exhibition 50 20.00 4 National level Exhibition 100 40.00
Duration :
Dist. Level Exhibition Minimum 3 days State Level Exhibition Minimum 7 days Zonal Level Exhibition Minimum 10 days National Level Exhibition Minimum 15 days
For each State/Region/UT, budget is being provided to conduct a fixed number of exhibitions and within the same budget it is permitted to conduct more number of exhibitions without any additional budget. Contd……17/-
16 Page 158 of 234 : 17 :
Financial Pattern
S.N. Head of Expenditure Dist. State Zonal National Level Level Level Level 1 Pendal 15,000.00 50,000.00 1,00,000.00 5,00,000.00 2 Printing Material 15,000.00 50,000.00 5,00,000.00 8,00,000.00 3 Display 35,000.00 2,00,000.00 5,00,000.00 7,00,000.00 Demonstration 4 Advertisement in 25,000.00 1,50,000.00 8,00,000.00 15,00,000.00 local Media, Newspaper at the time of Exhibition 5 Misc. Expenditure 10,000.00 50,000.00 1,00,000.00 5,00,000.00 TOTAL 1,00,000.00 5,00,000.00 20,00,000.00 40,00,000.00
Note :- Within the budget, interchange of expenditure from one head to another head is permitted.
FOLLOWING AREAS ARE TO BE COVERED :
Local Committee may be constituted for organizing exhibition headed by the State Director by involving the officials of KVIB, DIC and Banks to decide venue, date and other arrangements for organizing exhibition. Exhibition registration fee are to collected from the entrepreneurs/ beneficiaries. The amount of fee may be decided by the Local Committee, according to the local situation. The fees collected may be sent to the Director Accounts, Central Office, KVIC under the head IRG along the list of participants under intimation to this Directorate.
The original expenditure bill/ vouchers should be kept in State /Divisional offices of KVIC for audit purpose and certified statement of expenditure may be sent to Directorate of REGP/PMEGP.
If local Committee decides to organize the exhibition through reputed NGOs, the original expenditure bill/vouchers may be kept with them, but the certified copy of the bill/vouchers along with statement of expenditure may be supplied to the respective State /Divisional Offices of KVIC.
All State Government Organizations/NGOs/Officials of the state KVI Boards/DIC's and Banks may be invited for Exhibition.
Contd…..18/-
17 Page 159 of 234 : 18 :
An arrangement should be made for demonstration of PMEGP products and its sale in the Exhibition.
The buyers-sellers meet may also be arranged at the place of Exhibition.
Half-day discussion may also organized and necessary guidance should be provided on quality control, package and design development. The participants should also discuss on technical up gradation, skill development and technical interface.
Participants may be induced to participate in outside State Exhibitions and outside State beneficiaries may be invited for such exhibition and their views and experience in the production/marketing may be shared with other participants of the State.
Availability of raw material in outside State at cheaper/reasonable rate for various products may be ascertained and made available to the participants and their interaction may be arranged wherever necessary through the interpreter to overcome the problem of language. Wherever possible technical expert or marketing expert may be invited to guide the participants in removing the bottlenecks of marketing.
Other technical expert personalities such as designers, packagers, printers, federations and marketing experts etc. may also be called for to participate in the discussion to share their views and stress the importance of the subject matters to the participants from sales promotions point of view.
Co-sponsorship for the exhibition may be explored and arrange through local banks, NGOs, NABARD or any other Social Organization devoted for Rural Development.
Detailed report on exhibition alongwith photographs of the events, VIP's attended, No. of stalls, sales effected during the exhibition etc. may be sent to Director (REGP/PMEGP).
Contd……19/-
18 Page 160 of 234 : 19 :
G) PROMOTIONAL ACTIVITIES a) Areas to be covered
Under Promotional Activities of PMEGP, following areas are to be covered: 1. Hording/Banners at important places. 2. Publishing posters on PMEGP. 3. Workshops for KVIB/DIC/Employment Exchange Officers/Gram Pradhans/ Panchayats be conducted and insist their active participation in each Workshop and Awareness Camp. 4. Publicity in Electronic and Print Media. 5. Printing of Village Industries directory with beneficiaries details. 6. For all the above activities in each advertisement KVIC name, PMEGP Scheme and Ministry of MSME be compulsory displayed and while sending the reports/photos, the clippings of such advertisement bearing KVIC, PMEGP Scheme and Ministry name be sent to Directorate of REGP/PMEGP in the absence of which no further funds be released. b) Printing of Applications on PMEGP:
The State/Divisional Directors of KVIC will arrange for printing of applications, Margin Money Claim format, EDP Training format as per colour code i.e. Projects being forwarded to Task Force by KVIC will be in white colour, through KVIB in yellow colour and through DICs in sky blue colour. The expenditure for the same should be met out of B & F Linkages fund provided to them.
(Format for sponsoring the beneficiary for undergoing E.D.P. training is enclosed as Annexure-'D' )
H) PUBLICITY
OBJECTIVES a) To promote and publicize the Scheme of PMEGP among the target audience, i.e., rural/urban artisans and unemployed persons in rural/urban areas as well as bankers, policy makers and related organizations working for rural development. Contd…..20/-
19 Page 161 of 234 : 20 : b) Utilization of effective media of mass media communication like Print Media i.e. press advertisements, leaflets, posters, etc. Electronic Media i.e. Radio and TV etc. Out-door Media, i.e., Hoarding, Awareness Camps, etc.
To achieve the above objective, the following activities may be under taken through the field offices of KVIC as well as centralized campaign from the Central Office as per sanctioned budget.
I) ADVERTISEMENT CAMPAIGN :
A) Print Media :
The Print Media includes the following : a) Newspapers b) Magazines c) Posters, leaflets, etc.
The advertisement of half page on PMEGP may be issued in leading newspapers of English, Hindi and vernacular newspapers, State-wise, announcing the launching of PMEGP Scheme alongwith its salient features at DAVP rate. This will be followed by advertisements and press features on PMEGP based on the local circulation figures and their reach in remote areas for promoting the scheme. Advertisement may be released on special occasions and events like
• Independence Day, • Republic Day, • Mahatma Gandhi Jayanti, • Holi, • Consumers Day, • Environment Day, Women's Day. and events like National Exhibitions, Seminars at Vigyan Bhavan, Ashoka Hall, etc. Similarly, editorials may be published in leading magazines like India Today, Outlook, Frontline, In-flight magazines like Namaskar, Darpan, Swagat, other magazines like Women's Era, Saritha, Grihalakshmi and regional magazines like Malayala Manorama, etc. Leaflets and posters will be printed for promoting PMEGP Scheme which could be displayed in various KVIC/KVIB/DIC offices, Banks and distributed in events like Awareness Camps, Workshops, Exhibitions, Seminars, etc. and also in form of mailers in newspapers and clip mail.
Contd…..21/-
20 Page 162 of 234 : 21 :
B. Electronic Media :
The Electronic advertisement will consist of the following : i) Radio jingles ii) TV Advertisement spots iii) TV Strips iv) Sponsoring Programmes like Question- answer on PMEGP. v) Interviews of Chairperson, CEO, etc. vi) TV Serial on PMEGP. vii) Short film on PMEGP taking in success stories of REGP and projecting the future potential of PMEGP and its benefit for rural/urban India. viii) Advertisement on Internet in various sites like Yahoo, google, redifmail, msn.com, etc. DAVP rates will be insisted on all electronic media advertisements.
C. Out-door Publicity :
Out-door Publicity will be through following methods : i) Hoardings at Airports, Railway Stations, Bus-Stands, Employment Exchanges etc. ii) Flex banners iii) Translites iv) Bus panels v) Train panels vi) Advertisement on train tickets
The hoardings may be put up at important places like Collectrate Office, Employment Exchanges , Bus-stands, Block Panchayats and Railway Stations or Panchayat Office at District level for promoting the scheme of PMEGP. Hoardings may also be put up in all Airports of all State Capitals. The hoardings may be installed locally by the concerned State/Divisional Directors. The creative will focus on PMEGP Scheme and attract unemployed artisans and rural people to avail the benefit of the Scheme which shall be prepared with the help of professional advertising agencies.
II. PRESS CONFERENCE AND PRESS PUBLICITY:
Adequate coverage may be given for promoting PMEGP in the form of features and articles. For this purpose, regular press
Contd…..22/-
21 Page 163 of 234 : 22 : interaction, press meets and press conferences may be organized coinciding with events, achievements, etc. A professional in the area of press liaison and media relations may be engaged on contract basis for this purpose.
III. PRINTING OF PUBLICATIONS, LITERATURES, ETC:
The following literature/publications for promoting PMEGP :-
i) Project profiles for benefit of potential beneficiaries. ii) Leaflet in English and Hindi and local vernacular language on PMEGP and its salient features. iii) Books on Success Stories on PMEGP Units.
IV. Setting up of PMEGP Website :
REGP/PMEGP Website has already been designed and started its operation. The site is featuring all relevant circulars, policy guidelines as well as data base of REGP Units and their products. This will also feature new events, policy circulars, details of major achievements, progress report ,etc under PMEGP.
V. Awareness Camps under People’s Education Programme:
For promoting PMEGP Scheme effectively in rural areas, it is proposed to organize awareness campaigns at village-level by involving following agencies : i) Panchayat Raj Institutions. ii) Nehru Yuva Kendra. iii) Women Development Organizations. iv) State-level SC/ST and Minority Development Organizations. v) Rajiv Gandhi Udami Mitras. vi) Banks. vii) KVI institutions.
The focus of the campaign will be to orient rural youth including women with focus on SC/ST and Minorities on PMEGP and motivating them to avail the benefit of the Scheme for self- employment. It is proposed to have atleast one campaign in each district, which can be organized by KVIC, KVIB and DIC or a reputed NGO including Khadi Institution. Banks will also be involved to brief about the Scheme and monitor the proposals received out of such campaigns.
Contd…..23/- 22 Page 164 of 234 : 23 :
A detailed list of the potential beneficiaries will be maintained by the concerned State/Divisional Office of KVIC and application forms will be distributed to collect the data of the potential beneficiary and through details of the project he/she is interested to set up. Screening will be done by local Committee of the applications so received and the screened applicants can be provided training/ skill development through nearby MDTC or accredited centers after which they shall be provided the support in project formulation and then project will be submitted to banks for sanction. The Banker will also be involved in the local Committee so as to ensure sanction of viable projects under PMEGP.
The PEP under Publicity will also be utilized for purpose of promoting PMEGP and related Schemes like SFURTI, RISC, etc. Funds available with the Directorate of Publicity, KVIC, Mumbai and with the State Governments under Publicity head may also be utilized for the purpose of promoting PMEGP scheme.
J) PHYSICAL VERIFICATION OF PMEGP UNITS
100% physical verification of the actual establishment and working status of each of the units, set up under PMEGP, including those set up through KVIBs and DICs, will be done by KVIC, through the agencies of State Government and/or, if necessary by outsourcing the work to professional institutes having expertise in this area, following the prescribed procedures as per General Financial Rules (GFR) of Government of India. Banks, DICs and KVIBs will coordinate and assist KVIC in ensuring 100 % physical verification. A suitable proforma will be finalized for such physical verification of units. Quarterly reports, will be submitted by KVIC to the Ministry of MSME.
K) TA/DA TO OFFICERS AND STAFF
The officers of KVIC, KVIBs and DICs will carry out relevant field visits and monitoring activities of PMEGP. A provision of Rs. 1 Crore per year is proposed towards TA/DA of staff and officers for monitoring and reviewing PMEGP. Around 40% of this amount is earmarked for DICs, 30% to the State/UT.KVI Boards and 30% to the Officers of Central Office, KVIC. As regard field offices of KVIC same will be regulated from general T.A. head. KVIC will issue separate guidelines incorporating the detailed modalities of certification of the expenditure, laying down the norms for such field visits so as to optimally utilize the assistance and ensure economy in expenditure. Contd……24/-
23 Page 165 of 234 : 24 :
Annexure- 'B'
KHADI AND VILLAGE INDUSTRIES COMMISSION/ KHADI & VILLAGE INDUSTRIES BOARD/ DISTRICT INDUSTRIES CENTRE ______
No: Date : ______To, The Branch Manager, ______
Sub: Prime Minister Employment Generation Programme (PMEGP) sponsoring of projects – regarding.
Sir,
Please find enclosed herewith a project in respect of Shri/Smt/ Kum/M/s……………………………………………………………………………………………… for Rs……………………………… in respect of ……………………………………………………… (Industry) for consideration at your end. The details of the project is as under:
Capital Expenditure - Rs……………………… Working Capital - Rs…………………….. Total - Rs……………………..
The District Task Force Committee Meeting held on …………………………… recommended that………………………………………….
As per the modalities of the Prime Minister Employment Generation Programme (PMEGP) you have to consider the project by ensuring that – a. Beneficiary deposits his own contribution of Rs………………….. i.e. 10%/5% of the total project cost. b. The project is located in the rural/urban area as per the definition given in the PMEGP Prime Minister Employment Generation Programme . A certificate to this effect from the competent authority be obtained and kept on the record. c. Any industry not mentioned in the negative list of the industries published by the Commission. The project does not come under the negative list of Village Industries , and .
Contd…….25/-
24 Page 166 of 234
: 25 :
d. Fulfillment of per capita investment i.e. Capital Expenditure per artisan should not exceed Rs.1,00,000/- for plain area and 1.50 lakh in hilly areas.
The Project may be considered strictly on its merit if found viable and bankable. After the project is sanctioned the beneficiary is to be sent for EDP training at accredited training centre. The Margin Money claim on the prescribed colour code format alongwith its enclosures may be submitted to the nodal branch of your bank at…………………………………………………….. in triplicate. One copy of the said format may be submitted to the undersigned for information.
The beneficiary is eligible for margin money of Rs………………………. being the General /other category. Attested copy of the project report and copies of relevant certificates in respect of ………………………….. is enclosed herewith.
Yours faithfully,
Encl: As above.
Director KVIC/Manager DIC/DVIO,KVIB.
Contd…26/-
25 Page 167 of 234 : 26 : ANNEXURE-'D'.
FORMAT FOR SPONSORING THE BENEFICIARY FOR UNDERGOING EDP TRAINING UNDER PMEGP SCHEME. ATTESTED PHOTO OF THE BENEFICIARY 1. Name & Address of the beneficiary :
2. Name of the Activity. :
3. Location of the Unit(Rural/Urban) :
4. Whether the beneficiary belongs to : SC/ST/OBC/Minority/Ex.Serviceman/ PHC/Women OR General. 5. Name of the Financing Bank with : Address. 6. Total Cost of project : C.E.:_____ W.C:_____ 7. Amount sanctioned with date : 8. If the beneficiary is institution, : a) Name ______Trust , Co-op. Society, Name & b) Designation______Designation of the Representative
I hereby sponsor Shri/Smt/Kum………………………………………………….. for undergoing two weeks EDP Training at your training institute under PMEGP scheme.
Place : Signature of the Branch Manager Date : (With Seal) To, 1) The Principal, ______2) The District Office KVIC/KVIB/DIC, for kind information. …………………………………………………………………………………………………………………. (Certificate to be issued by EDP Training Centre)
Shri/Smt./Kum……………………………………………….. sponsored by the above said Bank has undergone 2 weeks EDP Training from ……………. to ……… Kindly send the recoupment of the expenditure of Rs………………… at the earliest.
Place : Signature of the Principal/Incharge Date : of the Training Centre. To, The State/Divisional Director KVIC/KVIB/DIC ______Copy to : The Branch Manager (Financing Branch) ______Contdd…...27/- 26 Page 168 of 234 : 27 :
ANNEXURE "C"
Format of Register to be maintained by State/Divisional Offices of the Commission and District/Head Office of the State KVI Boards and DIC in respect of projects forwarded to the Banks.
Year :-
Sr Name & Address Production/ Total Means of Finance No. of Date Date of task Name of Date of Remarks No. Address of & group Project Empl. of force committee the bank forwarding the location Industry. cost. projected receipt recommendation branch & to bank. Beneficiary of the C.E WC Bank Own of address project Finance Contribution project to whom (Rural/ the Urban) project is forwarded 1 2 3 4 5 6 7 8 9 10 11 12 13 14
Note : Above format may be maintained District/Zonal State Head Quarte
27
Page 169 of 234 KHADI AND VILLAGE INDUSTRIES COMMISSION IRLA ROAD, VILE PARLE (WEST), MUMBAI-56
No.REGP/PMEGP/Scheme/09-10 Date : 22-06-2009
C I R C U L A R
The Ministry of MSME, Govt. of India has launched a new Credit Linked Subsidy Scheme i.e. Prime Minister’s Employment Generation Programme (PMEGP) w.e.f. 26th September, 2008 by merging REGP and PMRY that were in operation till 31st March, 2008. Khadi and Village Industries Commission is the nodal agency at National level for implementation of the scheme and the programme is being implemented through field offices of KVIC, State Khadi and Village Industries Boards/UTs and District Industries Centers of State Governments.
2. As per the approved guidelines by the Ministry, MSME, Govt. of India, all Public Sector Banks, all Regional Rural Banks, and selected Co-operative / Private Sector Commercial Banks (approved by the State Level Task Force Committee headed by Principal Secretary (Industries) / Commissioner (Industries) as well as Small Industries Development Bank of India (SIDBI) will be eligible financial institutions under the scheme.
3. Now, the Ministry of MSME, Govt. of India has forwarded the letter of Reserve Bank of India bearing No. RPCD.SME&NFS. No.10813/09.04.01/2008-09 dated April 20,2009 along with the name and addresses of 76 Rural Regional Banks having positive net worth and earning operational profits considered eligible for financing of PMEGP projects in rural as well as urban areas. The said list along with communication of RBI is enclosed at Annexure ‘A’ for ready references and compliance in this regard.
4. The Margin Money claims of Regional Rural Banks may be routed through their respective head offices and the corresponding Margin Money will be settled from the Nodal Branch already opened (or to be opened ) in their sponsoring Bank. No Nodal Bank Account will be opened in the RRBs separately. Regp6/desk/pmegp/RRB/rrb cir. Page 170 of 234 : 2 :
5. The Financing Branch of the RRBs should ensure all other conditions / norms of PMEGP viz. the project has to be selected by District Task Force Committee (DTFC), imparting two weeks EDP training to the entrepreneur, colour coding of application, MM claim form, and timely settlement of claims etc. as well as other provisions of PMEGP.
6. The State/Divisional Directors of KVIC, CEO/MD of State /U.T. Khadi & V.I. Board and Director Industries, State Govt. may kindly ensure the implementation of PMEGP through eligible RRBs selected by RBI only.
7. This will come into force with immediate effect.
(J. S. Mishra) Chief Executive Officer
Copy for information and necessary action to: 1. All State/Divisional Directors of KVIC 2. C.E.O. KVIB of State / U.T. 3. Director / Commissioner, Industries 4. 76 Rural Regional Banks. Copy for information to : 1. Members of KVIC 2. Financial Advisor, KVIC, Mumbai 3. C.V.O., KVIC, Mumbai 4. Joint Secretary, Ministry of MSME, Govt. of India, New Delhi 5. All CMDs of Public Sector Banks 6. All Zonal Dy. Chief Executive Officers 7. Secretary to Chairperson 8. CEO Cell 9. All Programme / Industry Directors, Mumbai. 10. Director ( IT) for website 11. Director ( Publicity) for publishing in Jagriti. (A. K. Dwivedi) Director (PMEGP/REGP) Tel-fax : 022-26713686
Regp6/desk/pmegp/RRB/rrb cir. Page 171 of 234 // TRUE COPY //
RESERVE BANK OF INDIA
RPCD.SME & NFS. No. 10813/09.04.01/2008.2009 April 20, 2009
Shri Dinesh Rai Secretary to Government of India Ministry of MSME Udyog Bhavan, New Delhi.
Dear Sir,
Prime Minister’s Employment Generation Programme (PMEGP) List of Regional Rural Banks (RRBs) that will implement PMEGP
Please refer to para 8.5 of the Guidelines on PMEGP issued by the Ministry of Micro, Small & Medium Enterprises wherein it was mentioned that “RBI will also issue suitable guidelines as to which Regional Rural Banks (RRBs) and other banks will be excluded from implementing the Scheme.”
2. The issue has since been examined and it has been decided that those of the Regional Rural Banks which satisfy the criteria of having positive net worth and making profits during the last two years may be considered for implementation of the PMEGP scheme.
3. We advise that as per data available as on March 31, 2008, 76 RRBs (as per list in Annex) satisfy the above criteria and may participate in the PMEGP scheme.
Yours faithfully
Sd/-
(Lily Vadera) General Manager
Encl : As above.
Regp6/desk/pmegp/RRB/rrb cir. Page 172 of 234 The names and addresses of RRBs which are having positive net worth and earning operational profits and maybe eligible for PMEGP :
Sr.No. Name & Address of Bank 1 Haryana Gramin Bank H. O. 1st Floor, Co-operative Bank Building Delhi Road, Rohtak-124001,(Haryana) 2 Gurgaon Gramin Bank H. O. “Shiv Plaza”, 565, Railway Road Sector 04 & 07 Crossing, Gurgaon – 122001 (Haryana) 3 Himachal Gramin Bank H. O. Jawahar Nagar, Mandi, Dist. Mandi – 175001 (H.P.) 4 Parvatiya Gramin Bank H. O. Dist. Chamba , (H. P.) 5 Jammu Rural Bank H. O. Narwal (Near Fruit Complex), Post Office : New University Campus, Jammu – 180006 6 Punjab Gramin Bank H.O.: Jalandhar Road , Kapurthala (Punjab) 7 Sutluj Gramin Bank H. O. A-4, Civil Lines Bhatinda, Punjab 8 Malwa Gramin Bank H. O. Prem Basti Sangrur, Dist. Sangrur (Punjab) 9 Baroda Rajasthan Gramin Bank H.O.: 1st Floor, City Plaza, Anasagar Circular Road Vaishali Nagar, Ajmer – 305006 (Rajasthan) 10 Marwar Ganganagar Bikaner Gramin Bank H.O.: LIC Building, Mandia Road Pali – 306401 (Rajasthan) 11 Rajasthan Gramin Bank H.O. Kalash Tower, 13- Lajpat Nagar, Scheme No.2 Alwar – 301001 (Rajasthan) 12 Jaipur Thar Gramin Bank H.O. 56, Sardar Patel Marg, ‘C’ Scheme, Jaipur – 302001, (Rajasthan) 13 Hodoti Kshetriya Gramin Bank H. O. A.B. Zalawad Road, Kota – 324007 (Rajasthan) 14 Mewar Anchalik Gramin Bank H. O. 14/ Alkapuri, Rani Road, Udaipur – 313 001 (Rajasthan) 15 Madhya Bihar Gramin Bank H. O. Meena Plaza, South of Museum, Patna -1 (Bihar) 16 Samastipur Kshetriya Gramin Bank H.O. Sonbarsa Chowk P. O. Kashipur Dist. Samastipur – 848101 (Bihar) 17 Bihar Kshetriya Gramin Bank H.O.: Bhagatsingh Chowk, Munger – 811201 (Bihar) 18 Uttar Bihar Gramin Bank H.O.: Bhagatsingh Chowk, Muzaffarpur (Bihar) Regp6/desk/pmegp/RRB/rrb cir. Page 173 of 234 19 Jharkhand Gramin Bank H. O. Rajendra Place, Main Road, Ranchi – 834001(Jharkhand) 20 Vananchal Gramin Bank H.O.: Dumka – 814101, (Jharkhand) 21 Uttar Banga Kshetriya Gramin Bank H.O. Sunity Road, Cooch Behar – 736101 (W.B.) 22 Bangiya Gramin Vikash Bank H. O.BMC House, N.H. 34, Chowapur, P. O. Berhampore Dist. Murshidabad – 742101, (West Bengal) 23 Rushikulya Gramya Bank H. O. Ashoka Road, Dist. Ganjam Berhampur-760001 (Orisa) 24 Neelachal Gramya Bank H.O. A/19, Nilakantha Nagar, Naya Palli, Bhubaneshwar-751012 (Orissa) 25 Baitarani Gramya Bank H.O. Baripada – 757001 (Orissa) 26 Assam Gramin Vikash Bank H.O. G.S. Road, Bhangagarh, Guwahati – 781005 (Assam) 27 Langpi Dehangi Rural Bank H.O.: Diphu, Dist. Karbi Anglong-782460 (Assam) 28 Tripura Gramin Bank H.O. Airport Road, Abhaynagar, Agartala-799005 (Tripura) 29 Meghalaya Rural Bank H. O. Police Bazar, Shilong – 793001 (Meghalaya) 30 Mizoram Rural Bank H.O. B-5, Babu Tilla, Zarkawt,P. B. No. 160 Aizwal – 796007 (Mizoram) 31 Andhra Pradesh Grameena Vikas Bank H. O. H. No. 2/739/1-3, 1st Floor, Old Bus Stand, Ramnagar Hanamkonda, Warangal – 506001 (A.P.) 32 Andhra Pragathi Grameena Bank H. O. P. Box No. 65 Rayachoti Road, Kadapa – 516001 (A. P.) 33 Chaitanya Godavari Grameena Bank H. O. 3rd Floor, Raghu Mansion, 4/1, Brodipet, Bose Road Dist. Guntur – 522201 (A.P.) 34 Deccan Grameena Bank H. O. 9-27/1, First Floor, Lalithanagar, Dilsukhnagar Hyderabad – 500060 (A.P.) 35 Saptagiri Grameena Bank H. O. Chitoor – 517001 (A.P.) 36 Karnataka Vikas Grameena Bank H. O. : P. B. No. 111, Belgaum Road Dharwad – 580 008 (Karnataka) 37 Pragathi Gramin Bank H. O.: P. B. No. 55, Sanganakal Road Gandhi Nagar, Bellary – 583103, (Karnataka) 38 Cauvery Kalpatharu Grameena Bank H. O. : CA-20, At & P. O. Vijaya Nagar II Stage Mysore – 570017 (Karnataka) Regp6/desk/pmegp/RRB/rrb cir. Page 174 of 234
39 Krishna Grameena Bank H. O. : P. B. No.4, Kusnoor Road, Gulbarga – 585105 (Kar.) 40 Chikmagalur – Kodagu Grameena Bank H. O. : P. B. No. 111, Indira Gandhi Road Chikmaglur – 577101 (Karnataka) 41 Visveshvaraya Gramin Bank H. O. Ganpathi Temple Road, Vidyanagr, Mandya – 571401, (Karnataka) 42 South Malabar Gramin Bank H. O. P. B. No. 10, Sangeetha 20/1, Kavungal Malappuram – 676505, Kerala 43 North Malabar GraminBank H. O. PRDD, P.B. No. 59, Bank Road, Kannur-670001, Kerala 44 Pandyan Grama Bank H. O. 2/70/1, Collectorate Complex, Virudhunagar – 626002 (T.N.) 45 Pallavan Grama Bank H.O. No.6, Yercaud Road, Hasthampatti, Salem (T.N.) 46 Puduvai Bharathiar Grama Bank H.O. 441, M.G. Road, Muthialpet, Pondicherry – 605003 (U.T.) 47 Wainganga Krishna Gramin Bank H. O. 6, Murarji Peth, Solapur – 413001 (Maharashtra) 48 Vidharbha Kshetriya Gramin Bank H. O. “Swanand” Oke Marg, Jathar Peth Akola – 445 005 (Maharashtra) 49 Maharashtra Godavari Gramin Bank H. O.: 108, Jivanganga Samarthnagar, P. B. No. 69 Aurangabad – 431001, (Maharashtra) 50 Dena Gujarat Gramin Bank H. O. Dena Laxmi Building, 1st Floor, GH-4, Sector -16 Gandhinagar – 382016 (Gujarat) 51 Baroda Gujarat Gramin Bank H. O. P. B. No. 73, Buddhadev Market, Panchvati Bharauch – 392001 (Gujarat) 52 Saurashtra Gramin Bank H. O.: S. J. Palance, Opp. Andh Mahila Vikas Grah Gopal Nagar, Dhebarbhai Road, Rajkot (Gujarat) 53 Chattisgarh Gramin Bank H.O.: 15, Recreation Road, Choubey Colony Raipur-492009 Chattisgarh 54 Surguja Kshetriya Gramin Bank H.O.: Vivek Complex, Sangam Gali, Vijay Marg Ambikapur – 497001, Dist. Surguja (Chattisgarh) 55 Durg Rajnandgaon Gramin Bank H.O.: G.E. Road, Rajnandgaon – 491441, Chattisgarh 56 Uttaranchal Gramin Bank H.O. 4-D, Old Sarve Road, Dehradun – 248001, (Uttaranchal)
Regp6/desk/pmegp/RRB/rrb cir. Page 175 of 234 57 Nainital Almora Kshetriya Gramin Bank H.O. Uttarayan Prakashan Parisar, Nainital Road Haldwani (Nainital)-263139, (Uttaranchal) 58 Narmada Malwa Gramin Bank H. O.: C/o Bank of India,Zonal Office 22 Yashwant Niwas Road, Indore (M.P.) 59 Satpura Narmada Kshetriya Gramin Bank H. O. 800/19, South Civil Lines, Chhindwara – 480001 (M. P.) 60 Madhya Bharath Gramin Bank H. O. Poddar Colony, Opp. Mahila Polytechnic College Tili Road, Sagr – 470001 (M.P.) 61 Jhabua Dhar Kshetriya Gramin Bank H. O. Near D.R.P. Line Anand Bhavan, Jhabua – 457066 (M.P.) 62 Rewa – Sidhi Gramin Bank H. O. Martand Complex, Pilli Kothi, Rewa – 486001 (M.P.) 63 Sharda Gramin Bank H. O. Gopal Complex, Near Bus Stand, Satna – 485001 (M.P.) 64 Mahakaushal Kshetriya Gramin Bank H. O.: 600, Badeeria Compelx, Kamla Nehru Nagar Jabalpur – 482002 (M.P.) 65 Vidisha Bhopal Kshetriya Gramin Bank H.O. Modi Bhawan, Club Road, Vidisha-464001 (M.P.) 66 Purvanchal Gramin Bank Head Office : Mohaddipur, Gorakhpur – 273008 (U. P.) 67 Kashi Gomti Samyut Gramin Bank H. O. :C-19/40, Faatman Road, Sigra, Varanasi –221001, (U.P.) 68 Sarva UP Gramin Bank H. O.: C-39/5, Jagriti Vihar, Merath (U.P.) 69 Shreyas Gramin Bank H. O. : Diggi Road, P.B. No. 35, Aligarh – 202001 (U. P.) 70 Lucknow Kshetriya Gramin Bank H. O.: Transport Chauraha, Bus Station Road Sitapur – 261 001 (U.P.) 71 Ballia Kshetriya Gramin Bank H.O.: Hospital Road, Ballia – 277001 (U.P.) 72 Triveni Kshetriya Gramin Bank H. O.: 2077/A, Churkhi Road, Orai (U.P.) 73 Aryavart Gramin Bank H. O. : A-2/46, Vijay Khand, Gomti Nagar, Lucknow – 226007(U.P.) 74 Baroda Uttar Pradesh Gramin Bank H. O. : A-1, Civil Lines, Raebareli, (U.P.) 75 Etawah Kshetriya Gramin Bank H.O.: Shiv Niwas, 123-A, Kachehari Road, Civil Lines Etawah – 206001 (U.P.) 76 Prathama Bank H.O. Ramganga Vihar, Phase-II, Moradabad – 244001 (U.P.)
Regp6/desk/pmegp/RRB/rrb cir. Page 176 of 234
KHADI AND VILLAGE INDUSTRIES COMMISSION 3, IRLA ROAD, VILE PARLE (WEST), MUMBAI-56
No.REGP/PMEGP/Cir.Guide/A/c/2009-10 Date: 24-06-2009
C I R C U L A R
Sub:- Accounting and Monitoring formats under PMEGP– regarding. *******
The Ministry of MSME, Govt. of India has launched a new scheme viz Prime Minister's Employment Generation Programme by merging REGP and PMRY together. The Khadi & Village Industries Commission has nominated as a National Nodal Agency for monitoring the scheme. The PMEGP Scheme has been implemented through KVIC and KVIBs and Union Territories in the Rural Areas and through District Industries Centre in both Rural and Urban area with the objective to develop entrepreneurs ship and self employment opportunity across the country.
2. It is observed that while implementing PMEGP scheme through State/U.T. KVI Boards/DICs and Public Sector Banks, they are extending full support and cooperation for better implementation and monitoring at District/State Level.
3. As per the approved/prescribed guidelines by the Ministry , the implementing agencies have to submit their monthly progress report in respect of PMEGP Scheme to the Directorate of PMEGP. However, some more information are expecting by VIPs and Ministry, hence the uniformity in the record to be maintained by State/Divisional Offices of KVIC, State/UT.KVIBs and DICs and financing banks, this office has devised a format for maintenance of physical and financial achievement and
Contd…..2/-
Page 177 of 234 : 2 : progress report at the level of State/Divisions. All prescribed formats are enclosed herewith with the following justification.
Annexure-A:- A format for monthly performance report under PMEGP.The main aim of maintaining uniform accounts at State/Divisional Offices level as well as State/U.T. KVI Boards and DICs is to ensure smooth and uniform flow of information from the field. At the same time, the accounts of the State/Divisional Offices of the Commission should automatically get reconciled on the last day of the month with accounts of the Nodal Branches and main Cash Book. Similarly, the accounts of the State Offices of the Commission on the last working day of the month.
Annexure-B:- In a format of utilization of certificate of fund received and utilized by the State/Divisional Offices of KVIC , State/UT.KVI Boards and District Industries Centers. The utilization certificate in the prescribed format may be obtained from State/UT. of KVI Boards , DICs. A combined certificate of utilization may be sent to Central Office, KVIC every year before 30th April of next year.
Annexure-C:- In a format of Cash book to be maintained by the State/Divisional Offices KVIC/ State /UT KVI Board/ DIC which will be subject to inspection by concerned State/Divisional Offices KVIC/ State /UT KVI Board/ DIC and Auditors of Central Office of the Commission.
Annexure-D:- A format of Cash Book to be maintained by State/Divisional Offices of the Commission under PMEGP which will be subject to inspection by Central Office.
Annexure-E:- A format of monthly progress report to be submitted by Nodal Branches of the Public Sector Banks , Private and Cooperative Banks to the State/Divisional Offices of the Commission by 3rd of each month.
Contd.page 3/-
Page 178 of 234 : 3 :
Annexure-F:- A monthly performance report to be submitted by State/Divisional Offices of the Commission to Directorate of REGP/PMEGP, KVIC, Mumbai by 5th of each month for onward transmission to the Ministry of MSME, Govt. of India , New Delhi.
Annexure-G:- A format for furnishing details of the Nodal Branches of the Banks in the State/Divisional Office. A saving bank account may be opened in near by branches of the banks for easy operation of the scheme.
4. All implementing agencies i.e. State/Divisional Offices of KVIC , State/UT.KVI Boards , DICs and all Financing Branches of Banks should ensure to maintain the PMEGP physical and financial achievement in the above stated format as well as the feed back/reporting may be furnished in the prescribed format.
This will come in to force with immediate effect.
Encl: As above.
(J.S.Mishra) CHIEF EXECUTIVE OFFICER
Copy for information and necessary action to : 1. All Sate/Divisional Director, KVIC. 2. All C.E.O./Secretary/Member Secretary State/UT. KVI Board. 3. All The Director/Commissioner, Industries, State Govt. Copy for information to : 1. Jt. Secretary, Ministry of MSME ,Udyog Bhavan,New Delhi. 2. All Hon'ble Members of KVIC.
Contd.page 4/-
Page 179 of 234 :4:
3. C.V.O., KVIC, Mumbai 4. All Zonal Dy.CEOs, KVIC. 5. Secretary to Hon’ble Chairperson, KVIC, Mumbai-56. 6. OSD, Chief Executive Officer, KVIC, Mumbai-56. 7. A.O, F. A., Cell, KVIC, Mumbai-56. 8. All Program Directors, KVIC, Mumbai-56. 9. Director Publicity to publish in ensuing Jagriti. 10. Director (IT) for placing KVICs web. site.
DIRECTOR(PMEGP.) Tele. Fax No.022-26713686
Page 180 of 234
ANNEXURE-A
MONTHLY PERFORMANCE REPORTING FORMAT UNDER PMEGP FOR THE YEAR 2009-10.
MONTH :______
NAME OF SO/DO.KVIC/KVIB/DIC.: ______
Details Openi PMEGP Deposite M.M. Claims Closing Interest Remarks ng fund d with settled by balanc remitte . Balan receive Nodal e M.M. d to ce d Branches as on C.O. fromC. during the KVIC O as ………. Month Jan/Jul on….. No Amount y . . 1. 2. 3. 4. 5. 6. 7. 8. 9. Banks KVIC KVIB DIC. Total :
Page 181 of 234 ANNEXURE-B. UTILIZATION CERTIFICATE
Certified that out of Rs…………………… of funds sanctioned under PMEGP (Margin Money) during the year ……………in favour of …………………………………………… vide budget allocation letter No………………………………………….. dated…………… and Rs………………. on account of unspent balance of previous year , a sum of Rs………………….. has been utilized for the purpose of …………………………………. For which it was sanctioned and that the balance of Rs…………………… remained unutilized.
a. With State/Divisional Office, KVIC Rs………………………. b. With Nodal Branches Rs………………………. c. With State KVI Board Rs……………………… d. With State DIC Rs………………………….. at the end of …………………………… will be adjusted towards the PMEGP payment payable during the next year.
2. Further certified that we are satisfied that the conditions on which the lumpsum payment of Govt. subsidy Margin Money Grant was sanctioned are being fulfilled and we have exercised proper checks to see that the money was actually utilized for the purpose for which it was sanctioned. Enclosure: Form GFR 19-A.
DIRECTOR/ DY.DIRECTOR I/C, KHADI AND V.I. COMMISSION ………………………
OFFICE SEAL
Note :
The Utilization Certificate in above format may be obtained from State/UT , KVI Board/DIC and a combined certificate of utilization certificate may be sent to Central Office , KVIC , Mumbai-56.
Page 182 of 234
(To be enclosed alongwith utilization certificate) FOR GRANT. FORMS
FORM GFR 19-A
(See Government of India's Decision (1) below Rule 150)
FORM OF UTILIZATION CERTIFICATE
Sr. Letter No./ Amount Certified that out of Rs……………… of No. date grants-in-aid sanctioned during the year ……..…………… in favour of ………………………… under this Ministry/ Department letter No. given in the margin and Rs………………. on account or unspent balance of the previous year, a sum of Rs……………. has been utilized for the purpose of …………………………………….. for which it was sanctioned and that the balance of Rs……………… remaining unutilized at the end of the year has been surrendered to Government (vide D.D. / Cheques No………………….. dated …………….. )/ will be adjusted towards the grants-in-aid payable during the next year………………. TOTAL : -
2. Certified that I have satisfied myself that the conditions on which the grants-in-aid was sanctioned have been duly fulfilled/are being fulfilled and that I have exercised the following checks to see that the money was actually utilized for the purpose for which it was sanctioned.
Kinds of checks exercised –
1. 2. 3. 4. 5.
Signature Signature CHIEF EXECUTIVE OFFICER FINANCIAL ADVISER ______State/UTKVI Board ______State/UTKVI Board
Signature Signature DIRECTOR OF INDUSTRY ACCOUNTS OFFICER ______State DIC ______State DIC
Page 183 of 234 ANNEXURE-C
(Format of Cash Book to be maintained by KVIC State/UT Khadi and V.I. Boards/DICs)
R E C E I P T P A Y M E N T Date Particulars Amount Remarks Date Particulars Amount Remark Rs. P Rs. P. Opening Balance Amount received Payment made to ……….. from the State Office (Bank) in respect of of the Commission at ……………………………..(beneficiary) ………… Interest earned in Interest remitted to KVIC. the S.B. account. Refund of Margin Expenditure incurred under Money received from Promotional Activities (Details …………… (Bank) to be given) Funds received Balance. under Promotional Activities. TOTAL :- TOTAL :-
Note : Cash Book to be verified every month with bank pass book and reconciled and certificate to that effect is recorded in the cash book on monthly basis.
Page 184 of 234 ANNEXURE-D
(Main Cash Book to be maintained by KVIC State/Divisional Offices under PMEGP)
R E C E I P T P A Y M E N T Date Particulars Amount Remarks Date Particulars Amount Remark Rs. P Rs. P. Amount Received from Funds released to the nodal the Central Office under branches under PMEGP 1. KVIB PMEGP. 2. DIC. 3. Nodal Branch of KVIC. Interest earned on S.B. Account of Nodal Branches (Details to be given). Interest earned on main Interest on S.B. Account of account of PMEGP. Nodal Branches and main account of PMEGP and from State KVI Boards/DICs remitted to Central Office. Interest received from Balance. the State KVI Board. Interest received from the DIC. Amount withdrawn from the Nodal Branch Receipt of other funds under Back ward & forward Linkages under PMEGP TOTAL TOTAL :- TOTAL :-
Page 185 of 234 ANNEXURE-E.
PRIME MINISTER EMPLOYMENT GENERATION PROGRAMME OF THE KHADI AND V.I. COMMISSION , MUMBAI- 56 GOVERNMENT SUBSIDY (MARGIN MONEY) CLAIM STATEMENT.
(To be submitted by the Nodal Branches to the State/Divisional Offices of the KVIC and Corporate Office of Bank)
Monthly Margin Money Statement for the month of …………………………….
Sr. District MARGIN MONEY RELEASED EMPLOYMENT No. SC/ST/OBC/Monority/ Ex- General (Margin Money Position of utilization of funds Servicemen/PH/Women/HBA/ @ Rs.25% (Rural) & 15% NE States/Sikkim/Andaman & (Urban) of the total project Nicobar or Lakshadweep (Margin cost). Money @ Rs.35% (Rural) & 25% (Urban) of the total project cost.) No. of Total Margin Total No. Total Total Opening Amount Balance Full Part projects Bank Money of Bank Margin balance utilized at the end Time Time Finance. Release. projects Finance Money as during the of the on………. month month. 1 2 3 4 5 6 7 8 9 10 11 12 13 1 2 3 4 TOTAL CERTIFIED THAT : 1. First installment/full lumpsum amount of loan is released to all the beneficiaries. 2. Original Margin Money Claims are enclosed to this report. 3. Margin Money is paid only in respect of eligible claims. 4. There are no Margin Money Claims pending with the Nodal Branch/Details of pending margin money claims is given in the enclosed statement. Signature Designation & Seal of Nodal Branch.
Page 186 of 234 ANNEXURE-F. KHADI AND VILLAGE INDUSTRIES COMMISSION, 3, IRLA ROAD, VILE-PARLE (W),MUMBAI-56.
MONTHLY REPORT ABOUT BANK PERFORMANCE IN RESPECT OF PMEGP FOR THE MONTH OF ……………… (Rs. in Crores)
Receipt of funds Amount Received Disbursed to No. of Proposals Employment Generated Balance. and source Rs. Rs. Branches R.R.B's F.T. P.T Rs. Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharashtra Canara Bank Central Bank of India Corporation Bank Dena Bank Indian Bank Indian Overseas Bank Oriental Bank of Commerce. Punjab & Sind Bank Punjab National Bank state Bank of Bikaner & Jaipur State Bank of Hyderabad State Bank of India State Bank of Indore State Bank o Mysore State Bank of Patiala State Bank of Saurashtra State Bank of Travancore Syndicate Bank UCO Bank Union Bank of India United Bank of India Vijaya Bank Private Bank/Co-operative Bank TOTAL GRAND TOTAL NOTE : The above statement is to be prepared for KVIC/KVIB/DIC separately.
DIRECTOR/DY.DIRECTOR INCHARGE
Page 187 of 234
ANNEXURE-G.
(Format for furnishing information about Nodal Branches)
Statement showing the details of nodal branches for PMEGP of Public Sector Banks under the State/Divisional Offices/KVIB/DIC.
Name of the State/Divisional Offices : …………………………….
Sr. Name of the Bank Full Address Phone/Fax Account No. No. of the Bank No.
Note : To be maintained at SO/DO level for KVIC/KVIB/DIC.
DIRECTOR/DY.DIRECTOR INCHARGE KHADI AND V.I. COMMISSION ………..
Page 188 of 234
KHADI AND VILLAGE INDUSTRIES COMMISSION IRLA ROAD, VILE PARLE (WEST), MUMBAI-56
No. PMEGP/EDP Trg/09-10 Date : 25-06-2009
C I R C U L A R Sub :EDP Training under PMEGP scheme -reg.
Ref : Circular No.REGP/PMEGP/Cir.Guide/BFL/09-10 dated 17-06-2009
Ministry of Micro, Small and Medium Enterprise, Govt. of India, New Delhi has launched Prime Minister’s Employment Generation Programme w.e.f. 26/09/2008. KVIC was designated as National Nodal Agency for implementing the scheme both in the rural and urban area to generate sustainable employment opportunities across the country. As per the scheme guideline, the training programme is mandatory before release of loan to beneficiaries. Duration of training programme has been fixed for two weeks (10 working days) with the aim to motivate, inspire, develop confidence and empower beneficiaries for successful running of their enterprise. 2. So far 690 training centers has been tentatively identified and placed at KVIC website. Further Principal Secretary, Chief Executive Officer, State/U.T. Khadi & V. I. Board and field Directors of KVIC were advised to scrutinize/examine the availability of infrastructure and faculty etc. with the training centers and send their feed back for preparing final list of EDP Training centres. Contd..
Page 189 of 234
: 2 :
3. While receiving feedback of EDP Training from the various Training Centers across the country, it is understood that some training centers are not following the course syllabus circulated by the Khadi & V. I. Commission which has been viewed seriously. Further after completion of training, Certificate is being issued on their own format which differs from state to state and the training centers to training centers. To maintain uniformity in all the training centers, it has been decided to circulate model certificate format. Model format both in soft and hard copy is enclosed herewith. The model EDP certificate format available in the CD is corel draw-13 for printing purpose.
4. The following may be followed while printing and issuing EDP certificate. • The certificate should be at glossy paper in A4 size of 120 GSM thicknesses. • Photo of the entrepreneur must be affixed in the certificate or scanned photo may be placed on the top of the certificate. • The contents sequence and background of the certificate should be strictly followed. • Name of the beneficiaries, address of the training centers/State/Divisional Office/KVIB and DIC is to be filled in based on factual details. • Laminated certificate should be issued to the entrepreneurs. Cont.. : 3 : Page 190 of 234
5. A Xerox copy of the certificate of each candidate is to be enclosed along with the claim of recoupment of EDP training grant from the respective State/Divisional Offices of the KVIC. 6. Expenditure towards printing of certificate, glossy paper, scanning of photo etc. may be met out from the funds provided for EDP Training under the head of printing/Misc. funds provided to the training centres. 7. Further, references are received from field offices seeking clarification on conducting EDP training on day scholar basis. In such cases the training centers having infrastructure of class rooms, sufficient faculty members etc. may be allowed to conduct EDP training on day scholar basis. However, reimbursement of expenditure may be restricted proportionately without boarding and lodging expenditure. The training institute should submit a certificate giving details of number of beneficiaries stayed in the hostel alongwith recoupment bill. The payment for such cases may be regulated accordingly by the State / Divisional Offices of KVIC. This will come into force with immediate effect.
Encl: CD and sample copy of the certificate
(J. S. Mishra) Chief Executive Officer
Copy for information and necessary action to: 1. All State/Divisional Directors of KVIC 2. C.E.O. KVIB of State / U.T. 3. Director / Commissioner, Industries, State Government
Page 191 of 234
Copy for information to : 1. Jt. Secretary, Ministry of MSME, Udyog Bhavan, New Delhi 2. Members of KVIC 3. Financial Advisor, KVIC, Mumbai 4. C.V.O., KVIC, Mumbai 5. All Zonal Dy. Chief Executive Officers 6. Secretary to Chairperson 7. CEO Cell 8. All Programme / Industry Directors, Mumbai. 9. Director ( IT) for website 10. Director ( Publicity) for publishing in Jagriti.
(A. K. Dwivedi) Director (PMEGP) Tel-fax : 022-26713686
Page 192 of 234 KHADI AND VILLAGE INDUSTRIES COMMISSION IRLA ROAD, VILE PARLE (WEST), MUMBAI – 56
No.PMEGP/Budget/M-951/2009-10 Dt. 09-07-2009
C I R C U L A R
Sub:- Utilization of unspent Margin Money during 2009-10 released for the year 2008-09 under PMEGP – reg.
During review of the plan schemes by the Secretary, MSME, Govt. of India, the reason of less performance under PMEGP scheme was also discussed in detail. The issue pertaining to utilization of unspent Margin Money released during the financial year 2008-09 under PMEGP was also discussed. It was retreated that as per the guidelines issued by the Ministry, the projects sanctioned by Banks upto 31-3-2009 will be reported for the Annual performance for the year 2008-09. Settling of the Margin Money for such projects and completion of EDP was to be done upto 30-6- 2009.
2. Considering the above scenario, there are chances that State/Divisional offices of KVIC/KVIB and DIC may be having some left over fund at the opening of year 2009-10 which could not be utilized due to certain obvious reasons during 2008-09. Considering the above scenario, the permission is hereby accorded to KVIC/KVIB & DICs to utilize the balance Margin Money of 2008-09 after sending a certificate to KVIC Central office as below :
“It is certified that there is no proposal for the release of Margin Money pending either with their office or with nationalized banks for which the project was sanctioned by the Bank before 31-3-2009. Rs. ____ is available in the Nodal accounts of the Bank as on 1-4-2009 after adjustment of all claims related to 2008-09. Rs. ______has also been remitted to KVIC Central Office on account of interest accrued upto 31-12-2008 and 30-6-2009.”
cont.
Page 193 of 234
Page 194 of 234
Page 195 of 234
Page 196 of 234 Page 197 of 234 Page 198 of 234 KHADI & VILLAGE INDUSTRIES COMMISSION IRLA ROAD, VILE PARLE (WEST), MUMBAI – 56
No.PMEGP/APR/2009-10 Dt. 3-09-2009
C I R C U L A R
OFFICE ORDER NO.2042
Sub: Implementation of e-tracking system under PMEGP ‐ reg.
In continuation of office order No.2027 dated 1.10.2008 under para No. 9.VI and consequent upon the approval of the Commission in its 571st meeting held on 30-7-2009 for implementation of e-tracking system under PMEGP, following are the guidelines provided for operationalisation of e-tracking system.
1. KVIC has designed and developed an in-house web based e- tracking system to monitor the scheme and also for tracking the status of applications. The system will generate Unique Applicant ID and acknowledgement letter. Since this is web based system, the tracking of application will be user friendly. The customized report can also be generated through the system as various levels for monitoring. The system facilitates to view the various reports from time to time by implementing agencies at state level, KVIC/KVIB/DIC and Central Office KVIC level at Mumbai.
2. The system is capable to track the status of applications of the beneficiaries right from submission to the implementing agencies till the date of adjustment of margin money subsidy.
3. As per approval of the scheme the Central Office, KVIC, Mumbai will outsource its implementation in the field by selecting eligible agencies at state level. Preferably one agency will be selected for each state.
3.1 The selected agency will appoint ''data entry operators'' at district level and supervisor/supervisors at state level. The data entry operators are to collect the data/information from the banks, three implementing agencies i.e. KVIC, KVIB & DIC, DLTFC etc in the district and feed in the system at prescribed intervals. The data to be entered initially are related to date of submission of social category wise application of rural/urban entrepreneurs with respective agencies, date of submission of application before DTFC, date of meeting of DTFC and its recommendation, date of forwarding of application to financing
Page 199 of 234 branch, date of sanction of Group/industry and financial rangewise project proposal by financing branch, status of rejection of applications, date of recommendation by financing branch for EDP training, date of training schedule of EDP training centre of the state, date of completion of EDP, date of release of first installment, date of forwarding to margin money claim by financing branch to nodal branch, date of release of margin money by nodal branch to financing branch, date of TDR in the name of beneficiary by financing branch, date of release of subsequent installment of CE & WC by financing branch, date of physical verification, details of recovery if any, date of issue of adjustment of margin money and all other information related to above mentioned activities.
3.2 The state level supervisor will coordinate with district level data entry operators of all the three implementing agencies, to supervise, monitor and ensure the timely entry of data at district level and its consolidation at Divisional/State level.
3.3 The selected agencies have to make their own arrangement for the hardware, stationery and other related infrastructure for collecting and feeding data at district level. No funds will be provided to outsourcing agencies for creating infrastructure of hardware etc or for feeding data at District/State level.
3.4 The agency selected at state level for data entry at district level and its consolidation for e-tracking system will function under the overall supervision of the respective State Director, KVIC.
3.5 The data operators at district level will enter and update the data of above activities mentioned at 3.1 at regular intervals and report its compliance from time to time to all three agencies as well as to state level supervisor, Divisional Director and State Director. The state level supervisor has to ensure that all the data related to previous two weeks activities are entered by 3rd and 17th of the month or the subsequent working days positively.
3.6 All the three respective implementing agencies has to validate data entered in the e-tracking system with regard to their jurisdiction. All the three agencies i.e. KVIC/KVIB/DIC will designate one officer not below the rank of Asstt. Director for validation of their data. Every activity data will be automatically locked after one month that means the validation of data by respective office is to be completed within one month time. The system will not accept any alteration of data in respective activities after one month.
Page 200 of 234 3.7 The respective State Director will monitor the progress of data feeding at all districts level in the state and ensure that data with regard to all the activities during the month are fed in the system on time and report compliance of technical part to the Directorate of IT and monthly/cumulative physical and financial performance to Directorate of PMEGP, Central Office, Mumbai.
4. Initially the e-tracking system will be introduced in six states i.e. one state in each zone on pilot basis in the following states.
East Zone - West Bengal West Zone - Gujarat North Zone - Punjab South Zone - Karnataka Central Zone - Uttar Pradesh North East Zone - Assam
On successful completion of pilot project in the above states, the e- tracking system will be made operational across all the states of the country.
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KHADI AND VILLAGE INDUSTRIES COMMISSION 3, IRLA ROAD, VILE PARLE (WEST), MUMBAI-56
No.PMEGP/PO/SO/DO/B&F/09-10 Date: 10-09-2009 C I R C U L A R Sub : Utilisation of unspent balance of B& F fund of 2008-09 for current financial year 2009-10 reg.
Ref : This Office circular No. PMEGP/Budget/M-951/2009-10 dated 09-07-2009.
Kind attention is drawn to the circular referred above on the subject matter wherein permission was accorded to KVIC, KVIB, DICs to utilize the balance margin money of 2008-09 after declaring pending sanctions/claims as on 31.03.2009. Further, it was permitted to utilize the balance margin money available in their accounts for the new projects sanctioned by the banks after
1.04.2009. 2. References are being received from the field offices requesting them to permit to utilize unspent B&F linkages fund during current financial year. Although this office has requested vide letter No. PMEGP/MM & B&F Link/Fund Position/09-10 dated 24.07.2009 to declare unspent balance in respect of B & F linkages fund, most of the offices have not responded. However, keeping in view of the programme implementation of PMEGP during 2009-10, it is decided to permit utilization of unspent balance under B & F linkages released during 2008-09, as per budget allocation of 2009-10. 3. Before utilizing the fund for current year, unspent balance for the year 2008-09 (as on 31.03.2009) under each head of the B & F linkages fund is to be informed to Director (PMEGP). Contd…………2
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Page 209 of 234 Page 210 of 234 Page 211 of 234 Page 212 of 234 Page 213 of 234 KHADI AND VILLAGEINDUSTRIES COMMISSION, 3rd.IRLA ROAD. VILE PARLE (WEST). MUMBAI-56.
No.PMEGP/Scheme/2009-10 Date: 24.12.2009
.. ADDENDUM TO OFFICE ORDER NO.2027
Sub: Implementation of Prime Minister's Employment Generation Programme (PMEGP)- EDP -Reg.
The detailed guidelines in respect of processing of applications, Selection by DTFC, Sanction by banks, EDP training, release of bank loan and release of Margin Money subsidy etc. were issued vide 0.0. No.2027 dated 1.10.2008 as well as corrigendum 0.0. No.2041 dated 10.8.2009.
2. In respect of EDP training at 4 (i) of 0.0. No.2027 it was mentioned that after issuance of the sanction order by the financing branch, the beneficiary has to undergo EDP training before releases of first instalment of loan.
3. The above issue had been deliberated in. detail during the review meeting of PMEGPheld on 3.12.2009 under the Chairmanship of Secretary, MSME,New Delhi. It was observed that the first generation entrepreneurs are under pressure of interest burden looking to the 2/-
Page 214 of 234 ...2 . time consumed in EDP training. To reduce the time lag for release of Margin Money from Nodal Branches
following.1 decision has been taken:-
4. "sanctioning authority need not wait for the completion of EDP for disbursement of the loan to beneficiaries, claiming as well as settlement of subsidy by nodal branches. However, if such bank authorities feel that EDP is necessary before disbursal in some specific projects, the same can be insisted upon by them. Final adjustment of subsidy kept in Term Deposit Receipt (TDR), after physical verification of the project should not be made till EDPis completed".
5. However, looking to the importance of EDPtraining .i' as well as to ensure 'profitability of the project, the said training should be invariably completed by the respective implementing agencies within 12 months of release of first instalment.
6. The State/Divisional Director of KVIC, CEO/MD of State/UT KVIB and Director Industries of State Govt. may kindly note the above changes and bring in to the notice of the nodal as well as financing branches of the
3/-
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Banks under their jurisdiction and ensure the implementation of PMEGP scheme smoothly. .1
7. The financing branches and implementing agencies
. of the States have to ensure fulfillment of all the criteria laid down for the scheme. If any irregularity is detected at any stage, the subsidy could be called back and remitted to Central Office, KVIC, Mumbai.
This will come in to force with immediate effect.
I e,g / trw 1f~ · (J.S. Mishra Chief Executiv.e Officer
- .41! Copy for in'formation and necessary action I
1. All State/Divisional Directors of KVIC 2. C.E.O. KVIB of State/U./T. 3. Director/ Commissioner, Industries 4. 76 Rural Regional Banks
Copy for information to : 1. Members of KVIC 2. Financial Advisor, KVIC, Mumbai 3. C.V.O. KVIC, Mumbai 4. Joint Secretary, Ministry of MSME, Govt. of India, New Delhi 5. ALL CMDs of Public Sector Banks 6. All Zonal Dy. Chief Executive Officers
Page 216 of 234 7. Secretary to Chairperson 8. CEOCell 9. All Programme/Industry Directors, Mumbai 10. Director (IT) for website 11. Director (Publicity) for publishing in Jagriti. .1
.n. wivedi ) Director, (PMEGP)/REGP) Tel-fax: 022-26713686
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Regp7/desk/pmegp/cir/pv Page 222 of 234 KHADI AND VILLAGE INDUSTRIES COMMISSION IRLA ROAD, VILE PARLE (WEST), MUMBAI – 56
No.PMEGP/Phy.Ver./2009-10 Dt. 28-01-2010
C I R C U L A R
As per the PMEGP guidelines approved by the Ministry of MSME, Govt. of India, 100% physical verification of the units set up under PMEGP have to be undertaken by KVIC through the agencies of State Government and /or, if necessary by outsourcing the work to professional institutes having expertise in this area, following the prescribed procedure as per General Financial Rule (GFR) of Govt. of India.
2. Commission in its 474th meeting held on 30-10-2009 approved for conducting of 100% physical verification of REGP / PMEGP units by an outsourcing agency. Accordingly, Agricultural Finance Corporation Ltd, Mumbai has been selected and awarded the work of conducting physical verification of REGP units sanctioned during 2007- 08 and PMEGP units during 2008-09 onwards. In case the above work is awarded to any other agency in future, same will be communicated separately.
3. The Banks, DICs and KVIBs will have to co-ordinate and provide all necessary assistance to agency in ensuring 100% physical verification of the units.
4. Further, all three implementing agencies of PMEGP i.e. KVIC, KVIB and DICs may prepare industrywise /yearwise / categorywise details including eligible margin money etc. in the enclosed format and list of beneficiaries pertaining to their agency for the year 2008-09 onwards for transmitting the same to Agricultural Finance Corporation, Ltd. Mumbai for conducing physical verification in the respective states. Cont.2.
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Page 224 of 234 FORMAT
PREPARATION OF INDUTRYWISE / YEAR WISE UNITS FINANCED BY RESPECTIVE IMPLEMENTING AGENCIES FOR PHYSICAL VERIFICATION
(Rs. in lakhs) S.N. Name & add. Contact Category Industry/ Project cost Own M.M. Employ Name & add of Number Activity contribution ment of financing beneficiary C.E W.C Branch 1 2 3 4 5 6 7 8 9 10 11 1 2 3
Page 225 of 234 FORMAT- A PREPARATION OF INDUTRYWISE UNITS FINANCED/SPONSORED BY KVIC FOR SECONDARY CHECK (Rs. in lakhs) S.N. Name & add. Contact Category Industry/ Project cost Own M.M. Employ Name & add of Number Activity contribution ment of financing beneficiary C.E W.C Branch 1 2 3 4 5 6 7 8 9 10 11 1 2 3
FORMAT- B PRESCRIBED FORMAT TO FURNISH MONTHLY 5% AND 2% PROGESS REPORT OF SECONDARY CHECK OF STATE/DIVISIONAL OFFICES /PROGRAMME DIRECTORATES OF KVIC (Rs. in lakhs) S.N. Name & add. Industry/ Category Project cost Own M.M. Observations Remarks of beneficiary Activity contribution C.E W.C 1 2 3 4 6 7 8 9 10 11 1 2 3
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Page 226 of 234 KHADI & VILLAGE INDUSTRIES COMMISSION IRLA ROAD, VILE PARLE (WEST), MUMBAI – 56
No.PMEGP/APR/2009-10 Dt. 28-01-2010
C I R C U L A R
Sub: Reporting of Employment data under PMEGP-reg.
Based on the guidelines issued by the Ministry of MSME, Govt. of India, detailed guidelines were issued through Circular dated 16/18-6-2009 for finalizing the annual report of PMEGP. In the para No. 4 the details with regard to estimation of employment per project was also envisaged.
2. The target for employment during the year was calculated based on the margin money requirement of Rs.1.20 lakh per project. On receipt of the details with regard to number of projects as well as average margin money utilized for each project during 2008-09 and 2009- 10, it was observed that utilization of margin money is much more than the estimated amount of Rs.1.20 lakh per project.
3. Considering the utilization of margin money for each project under PMEGP during 2008-09 & 2009-10 (till date), the formula of average employment for each project does not seems to be realistic. In view of the above, it has been decided to compile the figures of actual employment of each project based on the margin money claims submitted by the financing branches to nodal branches for recoupment.
4. It has been decided to take actual figures for reporting of employment under PMEGP scheme. The new employment figures of each office based on the above actual reported in margin money claims is to be reported Cont.
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List of Accredited training centre declared by KVIC for the year 2009-10
1 The Director, Jan Sikshan Sansthan, Mokuban, Nabakalebar Road, Puri – 2 2 The Director, Jan Sikshan Sansthan, Link Road, Cuttack. 3 The Director, Zensys Technology, Haripur, Jagatsinghpur 4 The Director, Micro – Tech Institute, Trinath Chowk, Nayagarh -752069 5 The President Madni Women Welfare Association, At:Sasanda, Via:Arei, Dist:Jajpur 6 The Project Director Orissa Multipurpose Development Centre. At: Madana, Naindipur, Garadpur, Kendrapara 7 The Chairman Team Instituite, Baghara Road, Ward No.19, Baripada, Mayurbhanj 8 The Secretary Institute of Social Action & Research Activities (ISARA) Baikuntha Nagar, Berhampur – 1, Ganjam. 9 The Chairman Palli Chetana, Bhanjpur, Baripada – 2, Mayurbhanj 10 The Director Soft – Ed, 1074, Mahanadi Vihar, Cuttack - 4 11 The Chairman, Indira Devi Sultania Memorial Institute, Near Women’s College, Jharsuguda 12 The Director Institute of Entrepreneurship Development Orissa, Mancheswar Industrial Estate, Near postal printing press, Bhubaneswar 13 The Principal Entrepreneurship Development Centre, UCO Bank, Govt. I.T.I Campus, Water work Road, Sri Vihar, Puri 14 The Principal J.V.S Technology, Tangi, Khurda 15 The President, Advance Society for Human Activities (ASHA), G – 1, Sri Ganesh Tower, Berhampur – 1, Ganjam.
Page 231 of 234 16 The Secretary, Prafulla Chandra Institute of Technology, Jagannathpur, Bhadrak 17 The Principal Andhra Bank Institute of Rural Development, Tampara, Chhatrapur, Ganjam 18 Udyogika Main Road, Dunguripalli, Subarnpur. 19 Secretary Palli Vikash Parishad, Plot No.722, Butupalli, Main Road, Boudh 20 Secretary ADARSHA Saraswati Vihar, Nuapada 21 Secretary, Kala Niketan, R.K.Colony, Nabarangpur 22 Director, Sahabhagi Vikas Abhiyan, Sitabordipara Near Govt. ITI Bhawanipatna, Kalahandi 23 SEWAK, SEWAK Complex Rangiamunda, Tangarpalli, Sundergarh 24 The Secreatary, The Mother Vocational Training Institute, Krishnachandpurpatna, Kantilo, Nayagarh 25 The Chairman, Centurion Group of Institutes, HIG-5, BDA Duplex, Phase – 1, Pokhariput, Bhubaneswar, Khurda 26 The Director Institute of Management & Marketing Studies, High Court Colony, Arunodaya Market, Cuttack. 27 The Secretary, Sarvodaya Samiti, Gandhi Nagar, Koraput 28 The Director, National Institute of Fashion Designing L-280,Baramunda Housing Board Colony, Bhubaneswar 29 The Director, RUDSET Institute, Kolathia Road, Near Biju Energy Park, Khandagiri, Bhubaneswar, Khurda 30 The Principal Multi Disciplinary Training Centre, Udyogpuri, Khandagiri, Bhubaneswar, Khurda. 31 The Director, Associated Social Service Agency(ASSA) Sailong Chowk, Po:Ghasipura, Keonjhar
Page 232 of 234 32 The Project Director, Samanwita Gramya Unnayan Samity G.Udaygiri, Kandhamal 33 The Chairman, National Rural Resource Education & Training Centre, C/o. Sambalpur Silk & Gramodyog Samity, Khaparsahi, Deogarh 34 The Director, Jan Sikshan Sansthan Vikash Nagar ,Turang, Angul 35 The Secretary, MISSION Town Planning Colony, Dhenkanal. 36 The Executive Director, MUKTI, Gandhi mandir Road, Dhenkanal 37 The Director, Academy of Business Administration, S – 1/25, Industrial Estate, Balasore. 38 The President, Orissa Development Society Badriraj Nagar, 3rd Lane, Berhampur – 1, Ganjam 39 The Secretary, Sodha Subarn Mukhi Sanskrutika Parishad, Sodha, Po:Dobal, Dhamnagar, Bhadrak 40 Bharat Integrated Social Welfare Agency ( BISWA), Danipalli, Budharaja, Sambalpur 41 Secretary, Sanjukta Yuba Sangathan, Near Kalimandir, Bargarh 42 President Madni Women Welfare Association Mothiharan, Dhanupalli, Sambalpur 43 SRUSTI Khariar, Nuapada 44 Secreatary, People’s United for Participation and Awareness Centre ( PUSPAK), Sambaiguda Near Satsang Vihar, DNK, Malkanagir 45 Director, Kampabhai Vocational Training Institute Rugudipada, Bolangir
Page 233 of 234 List of Nodal Bank Branches for Operating Govt. Subsidy Margin Money under PMEGP during 2009-10
Sl Name and address of Nodal Bank 1 Allahabad Bank, Bapuji Nagar, Bhubaneswar – 751009 2 Andhra Bank, Main Branch, 52-53, Ashok Nagar, Bhubaneswar - 751009 3 Bank of Baroda, Samantarapur, Lewis Road, Bhubaneswar-751002 4 Bank of India, Kharvela Nagar branch, Bhubaneswar - 751001 5 Central Bank of India, BJB Nagar, Bhubaneswar-751014 6 Corporation Bank, Kharvela Nagar, Bhubaneswar - 751001 7 Canara Bank, Bapuji Nagar, Bhubaneswar – 751009 8 Dena Bank, Janpath, Bhubaneswar - 751001 9 Indian Bank, Janpah, Ashok Nagar, Bhubaneswar –751009 10 Indian Oversease Bank, Saheed Nagar, Bhubaneswar - 751007 11 Punjab National Bank, Bapuji Nagar, Bhubaneswar – 751009 12 Syndicate Bank, Kalpana Square, Bhubaneswar - 751014 13 State Bank of India, Govt. Treasury Branch, Bhubaneswar - 751001 14 United Bank of India, Malisahi branch, Kharvela Nagar Bhubaneswar - 751001 15 UCO Bank, Ashok Market Branch, Bhubaneswar – 751009 16 Union Bank of India, Nayapalli, Bhubaneswar - 751015 17 Vijaya Bank, Ashok Nagar, Bhubaneswar – 751009 18 Oriental Bank of Commerce, BDA, branch, Bhubaneswar – 751001 19 State Bank of Hyderabad, Main Branch, IPICOL House, Rupali Square, Bhubaneswar 20 State Bank of Travancore, Bhubaneswar Branch, IRC Village, Nayapalli, Bhubaneswar 21 State Bank of Bikaner & Jaipur, OCHC Complex, Near Ram Mandir, Bhubaneswar – 1.
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