Ministry of Micro, Small & Medium Enterprises

S. No.	Scheme Name	Details of Scheme	Eligibility Criteria	Target Beneficiary	Target Achieved	Total Outlay	Benefits accrued to Citizens	Whether initiative linked to any other Central Scheme
1	Prime Minister;s Employment Generation Programme (PMEGP)	The maximum cost of the project/unit admissible in manufacturing sector is RS.25 lakhs and in the business/ service sector, it is Rs 10 lakhs. Categories of Beneficiaries Rate of Subsidy under PMEGP (of project cost) Area(Location of project/unit General Category 15% 25% Special 25% 35% (including SC/ST/OBC/ Minorities/Women, Ex-servicemen,Physically Handicapped, NER, Hill and Border areas, etc. The balance amount of the total project cost will be provided by the banks in the form of term loan and working capital.	Any individual above 18 years of age as on the date of making the application can apply. The beneficiary must have passed at least VIII standard for projects costing above RS. 10 lakh in the manufacturing sector, and above Rs. 5 lakh in the business/ service sector. Only new projects are considered for sanction under PMEGP. SHGs (including those belonging to BPL, provided that they have not availed benefits under any other scheme), Institutions registered under Societies and Charitable Trusts are also eligible. Existing units (under PMRY, REGP or any other scheme of Government of India or State Government are not eligible.	The scheme is implemented by Khadi and village Industries Commission (KVIC) functioning as the nodal agency at the national level. At the state level, the scheme is implemented through State KVIC Directorates, State Khadi and Village Industries Boards (KVIBs), District Industries Centres (DICs) and banks. In such cases KVIC routes government subsidy through designated banks for eventual disbursal to the beneficiaries/ entrepreneurs directly into their bank accounts.
2	Performance and Credit Rating Scheme	Rating fee payable by the MSEs is subsidized by the Government to the extent of 75% subject to ceiling of Rs. 15000m /Rs. 30000 or Rs. 40000 based on the turnover of the unit, for the first year of rating.	Micro & Small Enterprises	The purpose of rating scheme is to provide a trusted third party opinion on the capabilities and creditworthiness of the micro & small enterprises (MSEs) so as to create awareness amongst MSEs about the strengths and weakness of their existing operatons. This provides them an opportunity to improve and enhane their organizatonal strengths and credit worthiness, so that they can access credit at cheaper rates and on easy terms. It also facilitates them in increasing their acceptability from Customers / Buyers and Vendors. Rating under the scheme is a combination of credit and performance factors. Rating symbols are standardized and followed uniformly by all Rating Agencies.
3	Credit Guarantee Trust Fund for Micro & Small Enterprises (CGT SME)	Collateral free loan up to a limit of Rs 100 lah is available for individual MSE on payment of guarantee fee to bank by the MSE.	Both existing and new enterprises are eligible under the scheme.	Ministry of Micro, Small and Medium Enterprises and Small Industries Development Bank of India (SIDBI) jointly established a Trust named Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) in order to implement Credit Guarantee scheme for Micro and Small Enterprises. The corpus of CGTMSE is contributed by Government of India and SIDBI. 75% of the loan amount to the loan amount to the bank is guaranteed by the Trust Fund.,
4	Interest Subsidy Eligibility Certificate(ISEC)	Under the ISEC Scheme, credit at a concessional rate of interest of 4% per annum for working capital, is made available as per the requirement of the institutions. The difference between the actual lending rate and 4% is paid by the Central Government through KVIC to the lending banks	The Khadi institutions, having valid Khadi certificate and sanctioned khadi programme. The Institutions registered with the KVIC/State Khadi and Village Industries Boards (KVIBs) can avail of financing under the ISEC Scheme, the Scheme supports only the khadi and the polyvastra sector	The Interest Subsidy Eligibility Certificate (ISEC) Scheme is an important mechanism of funding khadi programme undertaken by khadi institutions. It was introduced to mobilise funds from banking institutions for filling the gap between the actual fund requirements and availability of funds from budgetary sources.
5	Science and Technology Scheme	Technology Transfer, incubation, Testing and Service Facilities	The research outcomes are beneficial to the coir industry and trade in India and abroad.	The Scheme envisages extension of the outcomes of research at the laboratory level for application at the field level and extension of testing and service facility. The Research and Development activities of the Board are carried out through the twin research institutes: the Central Coir Research institute, Kalavoor and Central Institute of Coir Technology, Bangalore.
6	Market Promotion & Development Scheme (MPDA)	Modified MDA (MMDA) shall be allowed @30% on the Prime cost of Khadi (cotton, silk, woollen) and polyvastra.	The Khadi institutions, having valid Khadi certificate and categorised as A+, A,B and C only are eligible to avail MMDA grant from KVIC.	The Market Promotion and Development Assistance Scheme (MPDA) has been launched as a unified scheme by merging different schemes implemented by the khadi sector including publicity, marketing, market promotion and marketing development assistance. Further, grant/subsidy will also be available for construction of Khadi plazas. The overall objective of the scheme is to ensure increased earnings for artisans.
7	Revamped Scheme of Fund for Regeneration of Traditional Industries(SFURTI)	The Scheme would cover three types of interventions namely: ‘Soft Interventions’, ‘Hard Interventions and ‘Thematic Interventions’. The project outlay for various clusters is as follows: Heritage cluster (1000-2500 artisans): Rs. 8 cr; Major Cluster (500-1000 artisans): Rs. 3 cr; Mini cluster (Up to 500 artisans): Rs. 1.5cr. For NER/J&K and Hill States, there will be 50% reduction in the number of artisans per cluster. Soft Interventions: A maximum ceiling of Rs 25.00 lakhs (100% scheme funding) Hard Interventions: As per project requirement (75% scheme funding) Cost of Technical Agency is calculated at 8% of Soft and Hard Interventions (100% scheme funding). Cost of Implementing Agency/ Cluster Executive is fixed at a ceiling of Rs. 20.00 lakhs (100% scheme funding).	Non-Government Organizations (NGOs), Institutions of the Central and State Governments and, Semi-Government institutions, field functionaries of state and Central Govt., Panchayati Raj institutions (PRIs), and similar agencies, with suitable expertise to undertake cluster development.	The main objectives of the scheme are to: . To organize the traditional industries and artisans into clusters in order to make them, competitive and provide support for their long term sustainability; . To provide sustained employment for traditional industry artisans and rural entrepreneurs; . To enhance marketability of products of such clusters by providing support for new products, design intervention and improved packaging and also the improvement of marketing infrastructure; . To equip traditional artisans of the associated clusters with the improved skills and capabilities through training and exposure visits; . To make provision for common facilities and improved tools and equipments for artisans; . To strengthen the cluster governance systems with the active participation of the stakeholders, so that they are able to gauge the emerging challenges and opportunities and respond to them in a coherent manner; . To build up innovative and traditional skills, improved technologies, advanced processes, market intelligence and new models of public-private partnerships, so as to gradually replicate similar models of cluster- based regenerated traditional industries.
8	Coir Udyami Yojana (CUY)	Maximum admissible cost of the project is 10 lakhs plus working capital, which shall not exceed 25% of the project cost. Beneficiary’s contribution shall be 5% of the project cost. Bank credit Rate is fixed at 55%. Rate of subsidy is fixed at 40% of the project cost.	Individuals, Companies, Self help Groups, Non Governmental Organizations, Institutions registered under societies, Joint Liability Groups and Charitable Trusts.	This is a credit-linked subsidy scheme for setting up of coir units with project cost up to Rs.10 lakh plus one cycle of working capital, which shall not exceed 25% of the project cost. Working capital will not be considered for the purpose of subsidy.
9	Coir Vikas Yojana (CV Y) Skill Upgradation & Mahila Coir Yojana (MCY) 1.Development of Production Infrastructure (DPI) 2. Domestic Market Promotion Scheme 3. Export Market Promotion 4. Trade and Industry Related Functional Support Services (TIRFSS)	Nature of Assistance	Who Can Apply	Description

	A Scheme for promoting Innovation, Rural Industry & Entrepreneurship (ASPIRE)	Nature of Assistance	Who Can Apply	Description
10	National Manufacturing Competitiveness Programme (NMCP) 1. Credit Linked Capital Subsidy for Technology Upgradation (CLCSS) 2. ISO 9000/ISO 14001 Certification Reimbursement 3. Marketing Support/Assistance to MSMEs (Bar Code) 4. Entrepreneurial and Managerial Development of SMEs through Incubators 5. Enabling Manufacturing Sector to be Competitive through QMS&QTT 6. Building Awareness on Intellectual Property Rights (IPR) 7. Lean Manufacturing Competitive for MSMEs 8. Design Clinic for Design Expertises to MSMEs 9. Technology and Quality Upgradation Support to MSMEs	Nature of Assistance	Who Can Apply	Description
11	International Cooperation	IC Scheme provides financial assistance for airfare and space rent in exhibitions for entrepreneurs for going in a delegation abroad.	Industry Associations can file applications industry associations with the Ministry of MSME giving details of the delegation, visit, organisation and other details.	The scheme covers the following activities: a) Deputation of MSME business delegations to together countries to explore new areas of technology fusion/ upgradation; facilitation of joint venturers; improvement of markets for MSMEs products and promote foreign collaborations amongst others. b) Participation by Indian MSMEs in international exhibitions, trade fairs and buyer-seller meets in foreign countries as well as in international trade meets in India. c) To hold and promote international conferences and seminars on topics and themes of interest to MSMEs.
12	Marketing Assistance Scheme	Financial assistance of up to 95% of the air-fare and space rent is made available to entrepreneurs on the basis of size and type of the enterprise. Financial assistance for co-sponsoring and event would be limited to 40% of the net expenditure, subject to a maximum amount of Rs.5 lakh.	MSMEs, Industry Associations and other organisations related to MSME sector are eligible to apply.	The marketing assistance scheme provides assistance for the following activities: a) Organisation of exhibitions abroad and participation in international exhibitions/ trade fairs. b) Co- sponsoring of exhibitions organised by other organisations/industry associations/agencies; c) Organising buyer-seller meets, intensive campaigns and marketing promotion activities.
13	Marketing Assistance & Technology Upgradation (MATU)	Funding for participation of MSMEs in state/ district level exhibitions/traDe fairs with a funding support maximum Rs. 30,000/- per exhibition/fairs. Funding support (In the form of reimbursement) to MSMEs for adopting corporate governance practices maximum Rs. 45,000/- per MSME unit. Funding support (In the form of reimbursement) TO msmeS FOR ACQUIRING iso 18000/22000/27000 certification maximum of Rs. 1.00 lakh in each case.	All MSMEs	The scheme assists in providing marketing platform to manufacturing MSMEs through participation in state/district level exhibitions/trade fairs organized by State/ District Authorities/Associations.
14	MSME Market Development Assistance (MDA)	The Scheme offers funding up to 75% in respect of to and fro air fare for participation by MSME entrepreneurs in overseas fairs/trade delegations. The scheme also provides funding for publicity material (up to 25% of costs), sector specific studies (up to Rs.2 lakh) and for contesting anti-dumping cases (50% up to Rs.1 lakh, specifically targeting individual MSMEs & associations.	Individual MSMEs & industry associations are eligible to apply.	As part of a comprehensive policy package for MSMEs, MSME-MDA scheme has been announced with a view to increasing the participation of international & domestic fair and adoption of bar coding. MDA is offered in three forms as mentioned below: 1) Participation in international exhibitions/ fairs for registerd small & micro manufacturing enterprises with DI/DIC; 2) Financial assistance for using Global Standards (GS1) in bar-coding; and, 3) Recognise importance of barcoding and avail financial assistance through office of the Development Commissioner Micro, Small and Medium Enterprises(DC-MSME).
15	Assistance to Training Institutions (ATI)	Revenue grant is provided to institutions of annual basis for the MSME chair. State level EDIs that enter into partnership with NIMSME are provided total grant upto Rs. 2.5 cr.	Select State Level EDIs that enter into partnership with NIMSME and national level premier academic institutions are eligible to apply for the MSME chair.	The assistance is provided to National level training institutions operating under the Ministry of MSME, namely, NIMSME, KVIC, Coir Board, Tool Rooms, NSIC & MGIRI in the form of capital grant for the purpose of creation and strengthening of infrastructure and support for entrepreneurship development and skill development training programmes. Assistance is also provided to those state level EDIs that enter into partnership with NIMSME for capacity development for undertaking studies & research on MSME issues. The scheme also provided research grant upto Rs.15.00 lakh on MSME issues. MSME chair are also sanctioned in premier National academic institutions.
16	Micro & Small Enterprises Cluster Development (MSE-CDP)	● Diagnostic study: maximum cost Rs. 2.50 lakh. ● Soft interventions: maximum cost of project Rs. 25.00 lakh, with GOI contribution of 75% (90% for special category States and for clusters with more than 50% women/micro/village/SC/ST units). ● Hard interventions, i.e., setting up of CFCs with maximum eligible project cost of Rs. 15.00 cr with GoI contribution of 70% (90% for special category States and for clusters with more than 50% women/micro/village/SC/ST units). ● Infrastructures development in the new/existing industrial estates/areas in which the maximum eligible project cost is Rs. 10.00 cr, with GoI contribution amounting to 60% of project cost (80% for special category States and for clusters with more than 50% women/micro/SC/ST units).	Industrial associations/Consortia, Clusters	The ministry of MSME has adopted cluster development approach for enhancing productivity and competitiveness as well as capacity building of MSEs. The scheme provided financial assistance to special purpose vehicles companies set up by cluster units for common facility canter, infrastructures, skill training , quality upgradation etc.
17	Single Point Registration Scheme	NSIC registers micro & small enterprises after the technical inspection is carried out by a third party inspection agency. The units registered are eligible to get the benefits listed below: ● Issue of tender sets free of cost ● Exemption from payment of Earnest Money Deposit (EMD) ● MSEs quoting price within the price band of l1+15% are allowed to supply up to 20% of requirement, provided they reduce their price to L1 price where L1 offer is from a non-MSE unit. Every Central Ministry/ Department/PSU shall set an annual goal of minimum 20% of total annual purchases of products or services produced or rendered by MSEs. Out of the mandatory 20% procurement from MSES, 4% is earmarked for units owned by Schedule Castes/Schedule Tribes.	MSEs that are registered with the Director of Industries (DI)/ District Industries Centre (DIC)as manufacturing/service enterprises or possessing acknowledgement of Entrepreneurs Memorandum (EM Part-II) or Udyog Aadhar Memorandum (UAM) are eligible for registration with NSIC under its SPRS.	Description
18	Credit Facilitation through Bank Tie-up	NSIC facilitates MSMEs, seeking short- term and/ or long-term credit limits, to prepare their proposals and in completing all formalities. Documentations as per the requirements of the banks. Thereafter, the proposal is submitted to the bank(s) with whom it has entered into MOU arrangement. NISC also do the follow-up with the concerned banks for sanctioning of the credit facilities as per their lending norms.NSIC does not charge any fee from the MSMEs for facilitating them under this scheme.	Micro, Small and Medium Entrepreneurs.	NSIC facilitates MSMEs in meeting their working capital and long term funds requirement through entering into MOU (Memorandum of Understanding) arrangement with various nationalized and private sector banks. So far MOU arrangement has been made with 33 Banks/Fls.
19	Raw Material Assistance & Credit	NSIC pools the small quantity requirements of the MSMEs and collectively enters into an arrangement with the major raw material manufacturers. This enables MSMEs in getting material at the manufacturer’s price with the priority of dispatch. In case unit needs material on credit, NISC makes available raw material to them at credit. The material, its quantity, its supplier and the price is decided by the unit. On being approached by such unit(s) NSIC makes payment to the supplier of raw material. The material moves directly from the supplier to the unit. Credit support for purchase of raw material is provided normally for 90 days against the security of bank guarantee. However, the credit can be further extended for three more cycles of 90 days provided the total outstanding is within BG limit and BG is valid.	Micro, Small and Medium Entrepreneurs	The objective of the scheme is to facilitate MSMEs in procurement of basic raw materials at competitive price and in the quantities as per their requirement. NSIC enters into arrangements with bulk manufacturers of industrial raw materials to provide MSMEs raw materials as per their requirements. It also facilitates them by opening raw materials Distribution Centres in industrial areas to enable micro, small and medium enterprises to get the raw materials at ease, bring down their inventory cost and arranging to provide them closer to their works. NSIC also provides loans for purchase of raw material from NSIC against bank guarantee..