laghu udyog samachar laghu udyog samachar - dc msme
TRANSCRIPT
LAGHU UDYOG SAMACHARLAGHU UDYOG SAMACHARtuojh / January, 2010 ewY; % 20 #i;s @ Price : Rs. 20
60years
Republic of India
LAGHU UDYOG SAMACHARLAGHU UDYOG SAMACHAR
Special Issue
Shri Dinsha Patel, Hon'ble Union Minister of State for MSME and Shri Dinesh Rai, Secretary
(MSME), Govt. of India reviewing the progress of the Training Programmes of the
Tool Room in Jamshedpur. Hon'ble Minister being welcomed by the local people.
Shri Dinesh Rai, Secretary, MSME, Govt. of India delivering his inaugural speech on the occasion of
National Conference on Financing Mechanism for Energy Efficiency Improvement in SMEs
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Instructions
The material for publication should be sent, in triplicate, neatlytyped in double space. The reports on functions or eventsshould be sent immediately after its conclusion. Articles/Reports should be accompanied by photographs with captionspasted upon reverse. The photographs should be placed inbetween the thick paper, gem clipped and attached to theforwarding letter. Photographs should be focussed more onthe events or products than personalities.
All efforts have been made to ensure that the informationpublished is correct and reliable. However the Laghu UdyogSamachar journal holds no responsibility for any inadvertenterror, commission or omission. Opinions, photographs andviews published in Laghu Udyog Samachar journal do notnecessarily reflect the views of Ministry of Micro, Small &Medium Enterprises or Government.
Editorial Office : Advertising & Publicity Division, Office of the Development Commissioner (MSME),Nirman Bhavan, New Delhi-110108, Phone & Fax : 011-23062219
Published by : Development Commissioner (MSME), Ministry of Micro, Small & Medium Enterprises, Govt. of India,Nirman Bhavan, New Delhi-110108
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A PUBLICATION OF DEVELOPMENT COMMISSIONER (MSME)MINISTRY OF MICRO, SMALL & MEDIUM ENTERPRISES, GOVERNMENT OF INDIA
o"kZ 35 vad 6 Volume XXXV No. 6 ewY; % 20 #i;s@Price : Rs. 20 tuojh] 2010 January, 2010
Editorial Team
M.P. SinghEditor-in-Chief
Harish AnandSenior Editor
Harendra PratapEditor
Editorial Advisory BoardChairman : Madhav Lal
Additional Secretary & Development Commissioner (MSME)Vice Chairman : M.P. Singh
Economic Advisor
MembersPraveen Mahto
Additional Economic Advisor
Debashish BandyopadhyayDirector (IC & CD)
P.P. MuralidharanDeputy Secretary (Ministry of MSME)
Harish AnandDirector (Publicity)Harendra Pratap
Editor
A Monthly Journal for Micro, Small & Medium Enterprises SAMACHAR
Contents vuqØe
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Special Article
• Technology Upgradation Support to MSMEs on
Energy Efficiency under NMCP 3
60 Years of Republic of India
• Entrepreneurship Development in India:
Evolution of Policy Support 6
Scheme
• Credit Guarantee Fund Trust for Micro and
Small Enterprises 11
Feature
• Overview of World Trade Organisation
(WTO) 15
Policy
• Industrial Incentive Policy of Bihar 18
Special Story
• The Economics of Carbon Credit for MSMEs 23
Article
• Global Warming Challenges and
Initiatives by MSME Tool Rooms 26
Calendar of Events 28
News 29
• Dinsha Patel emphasizes the need for Banks,
KVIC and DIC to become pro-active 31
• Handbook for SMEs for Managing Export
Payment Risk Released 32
Events
• Programme on Fashion Design & Tailoring
at Pokhiazar 33
• Programme on Fashion Design & Tailoring
at Teleria 33
• Programme on Beautician at Tezpur 33
• Programme on Readymade Garments &
Tailoring at Tezpur 34
• Intensive Motivation Campaign at
Bindukuri 34
• Intensive Motivation Campaign at ITI,
Tezpur, Sonitpur 35
• Entrepreneurship Development Programme
at Moidangpok, Imphal West 35
• Programme for Weaker Sections at
Imphal East 36
• Training Programme on Packaging for
Exports at Hyderabad 36
• Programme on Domestic & Export
Marketing for Jute Entrepreneurs 36
Media : News & Views 37
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Laghu Udyog Samachar2
Technology Upgradation Support to MSMEs
on Energy Efficiency under
National Manufacturing Competitiveness Programme (NMCP)
Technology Upgradation
has emerged as an important
attribute in enhancing
competitiveness for any
manufacturing industry.
While the large industries
having adequate linkages
with the global markets and
access to cheaper funds
through various financial
instruments, perceive the
need and develop a strategy
for continuous technology
upgradation, the approach is
significantly different for the
Indian MSME sector. With
limited access to funds,
MSMEs are forced to think
short term, make products
which need minimum capital
investment and produce
them at a lowest cost. This
approach has brought the
Indian MSME suppliers to the
lower end of the global value
chain and they have mostly
become uncompetitive as the
suppliers of stand alone
products.
Cost of energy is an
important component of the
cost structure of any
manufacturing unit. With the
spiralling cost and uncertain
supply, energy has already
become a critical input in any
modern manufacturing
process and for cost
competitiveness, MSMEs
need to focus on
economizing on energy use.
To conserve the crucial
energy resources, the
Government of India enacted
Madhav Lal
Additional Secretary &
Development Commissioner,
(MSME)
Government of India,
Nirman Bhavan
New Delhi-110 108
the Energy Conservation Act, 2001. The Act brought
every sector of the economy under the purview of
energy conservation and efficient management.
While the major consumers of energy, viz., the large
companies and undertakings have been stipulated
to initiate energy conservation and report the extent
of conservation of energy achieved in their annual
reports, the small and medium enterprises have so
far no compulsion to conserve energy and use energy
in an efficient manner. The purpose of the present
scheme is to encourage and support energy efficiency
for the Micro, Small & Medium Enterprises.
Besides curtailing the cost of energy which is a
significant component in the cost structure of almost
any manufacturing/production activity, energy
efficiency also reduces global warming. As more
than 90% of energy consumption originate from fossil
fuels, this involves generation of huge quantity of
green house gases (GHG) leading to change in the
global atmosphere.
Objective of the Scheme
The present scheme has been worked out as one
of the ten components of NMCP as conceptualized
by the NMCC. While the other nine components of
NMCP and other Government schemes address to
the various facets of Quality and Technology
Upgradation, the present scheme focuses on to the
two important issues in enhancing competitiveness
of the MSME sector, through Energy Efficiency and
Product Quality Certification. The scheme will also
deal with the issue relating to reduction in emission
of GHG, by the MSME sector, through energy
efficiency.
The objective of the present scheme is to sensitize
the manufacturing (MSME) sector in India to upgrade
their manufacturing processes towards usage of
energy efficient technologies so as to reduce cost of
production and the emissions of GHGs. The scheme
also focuses on additional spin-offs for the MSME
sector through clean development mechanism
(CDM). Though large manufacturers/users of energy
in India are deriving additional income through
CDM, under which the savings in GHGs by
enterprises in developing countries, like India, can
SPECIAL ARTICLE
January, 2010 3
be traded with the buyers from developed
economies, the MSME sector is not enabled to derive
the benefits from CDM. An innovative concept of
cluster based carbon credit aggregation centres
(CCAs) has been planned under the scheme to initiate
MSMEs to CDM benefits.
Major Activities under the Scheme
The Scheme will have following major activities
which are dealing with energy efficiency aspects.
Capacity Building of MSME Clusters for Energy
Efficiency/Clean Development Mechanism
The primary objective of this activity is to
handhold the MSME clusters in adopting energy
efficient processes. Under the activity, the following
initiatives will be taken up :
i) Conducting awareness programmes in MSME
clusters on
l energy efficient technologies
l availability of energy efficient equipments
l the need for energy efficiency and cash
benefits from energy efficient technologies
and Clean Development Mechanism
(CDM).
ii) Supporting energy audits in sample units (3 Nos.
in each cluster representing the micro, small &
medium enterprises respectively) in energy
intensive clusters, identify energy efficient
technologies for typical production units and
prepare model Detailed Project Reports (DPRs)
for cost effective, bankable energy efficient
projects. These model DPRs will be advocated
to the cluster based MSMEs towards
demonstrating the scope, need and financial
benefits from EET projects.
iii) Promoting replication of model EET projects in
the cluster based MSMEs and subsidizing of the
DPRs for the EET projects taken up by the
individual MSMEs.
Implementation Schedule and Funding Assistance
Based on responses received from the cluster /
industry stakeholders and keeping in view the energy
conservation potential in the cluster identified as part
of the awareness programmes, MSME Clusters will
be shortlisted by the Steering Committee for
conducting detailed studies towards identification of
need and scope for the energy conservation/
efficiency as well as the appropriate technology for
the clusters. For this purpose, 3 MSMEs in each of
the shortlisted cluster (preferably one micro, one
small and one medium) will be selected for
preparation of Detailed Project Reports (DPRs). These
DPRs will be presented before the cluster
stakeholders as model DPRs for replication.
While preparing the model DPRs energy audits
of MSME units will be conducted and appropriate
technology(s) will be recommended for enhancing
energy efficiency in each segment. The set of EETs
standardized for a cluster during the energy audit
studies and the model DPRs will become a guideline
for other cluster based MSMEs and will help to
minimize the cost and time required for
implementation of EETs. The enterprise level of DPRs
shall be bankable, i.e. acceptable to the banks and
financial institutions for financing the projects.
As part of the Scheme about 60 Awareness
Programmes will be conducted. The preparation
work for model DPRs will be taken up in 30 clusters
(total 90 MSME units). Thereafter individual DPRs
for about 300 MSME units from the same clusters /
sectors will be prepared for implementing EETs. The
Government assistance will be provided partly for
conducting the awareness programmes and also in
the preparation of DPRs.
Deliverables
The Energy Audit Reports/DPRs will provide
information in the following areas for the selected
Clusters :
l Existing pattern of energy usage.
l Economies of adopting Energy Efficiency
measures
l Energy Efficient Technologies (EET) suitable for
MSME sector
l Investment required in EET and their pay back
period
l Clean Development Mechanism (CDM) and pay-
offs from investment in Energy Efficiency
Technologies through Carbon Credits.
Implementation of Energy Efficient Technologies in
MSMEs
The basic objective of this activity is to encourage
MSMEs in adopting energy efficient technologies. For
this purpose, bankable DPRs for the implementation
of energy efficient technologies will be invited from
the MSMEs. Individual MSMEs may submit their
DPRs (prepared by competent agency) to the banks
SPECIAL ARTICLE
Laghu Udyog Samachar4
and financial institutions. Under the present activity,
MSMEs will be assisted in implementation of the
projects through loans from SIDBI /banks/financial
institutions for which subsidy upto 25% of the cost
of the project will be provided.
Implementation Schedule and Funding Assistance
The activity will be implemented through SIDBI
who will function as the Implementing agency. After
finalization of the DPR the concerned MSME units
can approach SIDBI directly or through their Bankers
for seeking loan/subsidy for implementation of the
projects. The sanction of financial assistance under
the scheme will be accorded by the Steering
Committee. Both technical and bankability appraisal
by SIDBI/Bank will be taken into consideration prior
to the sanctions of the assistance in the form of grants.
About 390 units will be supported for
implementing EETs in MSMEs in potential clusters
under this activity. While 25 % of the project cost
will be provided as subsidy by the Government of
India, the balance amount is to be funded through
loan from SIDBI/banks/financial institutions. The
minimum contribution as required by the funding
agency will have to be made by the MSME unit.
Deliverables
It is expected that under the activity about 390
MSMEs will be supported in enhancing their energy
efficiency. Besides, reducing the energy cost, the
activity will also enable the implementing enterprises
in obtaining carbon credits, which are tradeable. The
specific achievements from the Activity are expected
to :
l Develop a holistic package on energy
conservation in MSME sector.
l Create demonstration effect in the MSME sector
towards adopting energy efficient technologies
l Reduction in energy conservation in the selected
MSMEs
l Enhance profitability of the implementing
MSMEs by reducing energy cost and also through
possible income from carbon credits
Setting up of Carbon Credit Aggregation Centres
(CCA) for Introducing and Popularizing Clean
Development Mechanism (CDM) in MSME clusters
The activity will focus on market transformation
of the results of energy efficiencies. The concept of
Clean Development Mechanism (CDM) through
reduction and management of carbon foot prints
have been introduced under Kyoto Protocol for
reduction of emission of Green House Gases like
carbon dioxide, which is a common emission from
industries using coal and petroleum products.
United Nations Framework Convention on Climatic
Change (UNFCCC) have introduced the concept of
CDM under which industries in developed countries
producing additional green house gases (GHG) can
purchase carbon credits from industries in developed
countries using energy efficient technologies as well
as renewable energies thereby reducing the ‘Carbon
Footprints’. A procedure has been laid down for
documentation of such projects from developing
countries to ascertain reduction of Carbon Footprints
(tons of carbon dioxide emitted). The ‘Carbon Credit’
released as CERs (Certified Emission Reductions) are
tradeable in National & International Commodity
Exchanges.
Implementation Schedule and Funding Assistance
Under the activity CCA Centres will be set up in
16 clusters over the XI plan period to assist MSMEs
in registering GHG reduction projects for allocation
of Certified Emission Reduction (CER). Since the
CERs obtainable by a typical Indian MSME unit may
not be adequate for economic trading in Exchanges,
it has been envisaged that the CCAs will make effort
in aggregation of Carbon Credits obtained by
individual MSMEs in a cluster into bulk lots for
trading.
Clusters for setting up of the CCA centres, will
be identified on the basis of the CDM
implementation potential in the cluster or
applications received from the stakeholders. Clusters
where energy efficient technologies or renewable
energy projects are being implemented under the
present scheme or other schemes of the Ministry
of MSME or other schemes of Government of
India/ State Governments will be given priority.
While setting up the CCA centres, the Government
of India support will be towards setting up of the
basic facilities, preparation of the cluster based
Project Concept Notes (PCN) as well as PDD for
CDM. The GoI assistance under the scheme will
be limited to the subsidization of activities till the
stage of obtaining GoI approval for the CDM (host
country approval of PDD). n
SPECIAL ARTICLE
January, 2010 5
Entrepreneurship Development in India:
Evolution of Policy Support
E n t r e p r e n e u r s h i p
Development in India’s
MSME sector during the last
60 years is an awe-inspiring
story. The great vision of Pt.
Jawaharlal Nehru, India’s first
Prime Minister had taken
deep roots, small industries
are today visible all across the
country – up in the heights
of lofty Himalayas, deep in
the dry deserts, backward
areas, no-industry districts
and tribal belts – bridging
regional disparities as also
mainstreaming variety of
marginalized sections,
ensuring inclusive growth, so
to say. At the time of
Independence in 1947, or
even when India became a
republic in1950, literally
every industrial item was
being imported from needles,
alpins, shaving blades to
sewing machines, electric
fans and industrial
machinery. Today, India is
the tenth most industrialized
nation in the world, thanks to
the 92.2% of small factories
spread far and wide
manufacturing sewing
machines, electric fans,
industrial machinery, road-
rollers, components for space
rockets, computers and its
accessories, pharmaceuticals,
engineering goods and
chemicals including certain
fertilizers.
Today, Micro, Small and
60 YEARS OF REPUBLIC OF INDIA
Medium Enterprises (MSME) contribute about 8 per
cent of the country’s GDP, 45 per cent of the
manufactured output and 40 per cent of our exports.
The labour and capital ratio in MSME and the overall
growth in the MSMEs is much higher than in the
larger industries.
As per the Quick Results of 4th All India Census
of MSMEs (2006-07), there are 26 million MSMEs in
the country and provide employment to about 60
million persons.
This is a result of the enabling environment so
assiduously built by government over the decades.
The various programmes and policies, assistance and
incentive schemes announced from time to time had
their twists and turns, shifting focus and changing
stance depending upon the requirement of the times
and experience gained while coming down the
leaving curve. These efforts that continue till date
had commenced literally from the time of
Independence.
Immediately upon gaining Independence, the
First Industrial Policy Resolution was announced in
1948. This Policy Resolution assigned a prime role
to be played by small scale industry (SSI) as they
were particularly suited to utilization of local
resources and achievement of local self-sufficiency
in respect of certain industrial goods like textiles. In
the same year Industrial Finance Corporation of India
(IFCI) was set up to cater to the financial needs of
industry, particularly the large and medium. Quite
obviously the SSI did not receive its fair share of the
capital cake. Therefore, in 1951 the State Financial
Corporation (SFC) Act was passed by the Parliament
which provided for an SFC in each state to especially
meet the credit requirements of small and medium
industry. The underlying economic assumption was
that capital is the key input for industrial
development.
Soon it was realized that besides capital,
technology, and that too innovative or frontline, is
the cutting edge of entrepreneurship and industrial
Er. Vinod Gupta
Director (PIS)
National Institute for
Entrepreneurship and Small
Business Development
(NIESBUD)
A-23, Sector-62
(Institutional Area),
Noida-201301 (UP)
Laghu Udyog Samachar6
industries. State Bank of India and its seven associates
were taken over by the government which ensured
banking services and credit provisioning to SSI. To
safeguard bank finance to SSI, a Credit Guarantee
Scheme was launched by RBI in 1958.
But all these measures were not deemed
sufficient as the development of a key resource for
SSI, entrepreneurs and their trainers/promoters, the
driving force and kingpin of industrial enterprise
development was missing. In 1958, the Central
Institute for Extension Training (now called National
Institute for Micro, Small & Medium Enterprises) was
created in New Delhi and shifted to Hyderabad in
1962. This institute invited Prof. McClelland from
US to arrange training in various locations of India
for entrepreneurs to dispel the prevailing notion that
entrepreneurs are born and they cannot be created.
Thus a pioneering precedent was established in the
area of entrepreneurship development in India.
In 1964, the Industrial Development Bank of
India, an apex financial institution for industries, was
set up which instituted refinance scheme for
commercial banks to augment their limited financial
resources for SSI funding and bridge gaps in industrial
financing.
Assiduously built industrial support structure now
received its share of tremors. External factors like
two wars by neighbours and internal factors such as
three consecutive drought years threw the economy
into disarray resulting in passing out engineers not
getting jobs leading to grievous Brain Drain of the
talented few. To arrest the Brain Drain of engineers
seeking greener pastures abroad a Training of Young
Engineers (TYE) Scheme was launched in 1969.
Young engineers were provided training, tie up with
large industry and credit support to set up their own
industrial enterprises. This programme was pretty
successful, emboldening the government to design
nationwide schemes in future years and enlarging
its scope to other categories of enterprising men and
women.
To ensure credit flows to SSI and various small
ventures, 14 banks were nationalized in 1969 and
given a mandate to finance 33 1
/3% of their lending
to the Priority Sector which included financing of
development. And, therefore National Research
Development Corporation (NRDC) was set up in
1953 to garner technologies relevant for MSME from
various R & D organizations and diffuse the same
amongst MSME entrepreneurs.
Entrepreneurship development is not just a
function of capital and technology but is greatly
accelerated when a package of services like training
(management, skill and entrepreneurship), project
profiles, consultancy, marketing and export
assistance, economic information and technical
services are provided. To provide all these Small
Industries Development Organization (now called
MSMEDO) was set up in 1954 with a vast network
of Small Industries Service Institutes (now called
MSME-DIs) and technical support centres spread
across the country in almost every state. This
organization (MSMEDO) provides advocacy,
handholding and facilitation for MSEs.
Package of services without finance and tangible
input provisioning had limited impact. The National
Small Industries Corporation (NSIC) Ltd. was,
therefore, established in 1955 to promote, and foster
growth of MSEs. NSIC caters to the needs of MSEs
through raw material supplies, marketing services,
credit rating, acquisition of technologies, adoption
of modern management practices etc. It has offices
spread throughout the country as also Technical
Services Centres (earlier called Prototype
Development and Training Centres).
India lives in its villages. But the support structure
built till yet for a variety of reasons, was not enough
to provide sufficient thrust and appropriate focus for
development of rural entrepreneurship. In 1956,
through an Act of Parliament, Khadi & Village
Industries Commission (KVIC) was established for
promotion and development of khadi and village
industries. KVIC undertakes skill improvement,
transfer of technology, research and development,
marketing, providing credit and overseeing the
nationwide PMEGP (Prime Minister’s Employment
Generation Programme).
In the same year the watershed Second Industrial
Policy Resolution was announced; it underscored
the key role that SSI plays in providing employment,
mobilizing local skills and integrating with large
60 YEARS OF REPUBLIC OF INDIA
January, 2010 7
SSI. Banks achieved this target. 6 more banks were
subsequently nationalized in 1980 and the Priority
Sector target was increased to 40% which also has
been surpassed. To facilitate engineers start and
sustain SSI an interest subsidy scheme was launched
in1974. The growing unemployment amongst
engineers spread to other categories of educated
youth which prompted the government to launch a
‘Half-a-Million Jobs’ Programme under which youth
was provided easy bank finance for self-employment.
Industrial Policy Statement of 1977 stressed upon
wider dispersal of cottage and SSI in smaller towns
and villages. In 1978 the concept of District Industries
Centres (DICs) was mooted to provide one roof
service to SSI at the doorstep of such dispersed
ventures. In 1980 a scheme for Training of Youth
for Self-Employment (TRYSEM) was launched
nationwide for providing employment to rural youth
on a massive scale. The Sixth Five Year Plan that
was launched around this period laid great emphasis
for the first time on boosting self-employment and
entrepreneurship for combating the problem of
unemployment that had been plaguing the country
for long.
To mitigate the growing unemployment, a
Scheme for Educated Unemployed Youth (SEEUY)
was launched in 1983 which encouraged setting up
of small industries, business and service enterprises
with provision for subsidy, concessional bank finance
and compulsory training. Alongside an apex
institute, The National Institute for Entrepreneurship
and Small Business Development (NIESBUD) was
set up by the Ministry of Industry to coordinate and
oversee the entrepreneurship development efforts in
the country. All-India Financial Institutions and
Banks concurrently set up the Entrepreneurship
Development Institute of India at Ahmedabad. The
Ministry of Science and Technology established the
National Science & Technology Entrepreneurship
Development Board (NSTEDB) to effectively arrest
growing unemployment amongst S & T youth by
encouraging entrepreneurship amongst them. Thus,
1983 has been a momentous year in the
development of entrepreneurship in India.
To accelerate financing of SSI and provide equity
support to new entrepreneurs hailing from families
not financially well-off a Small Industries
Development Fund and National Equity Fund were
set up by IDBI. In 1989, the KVIC Act was amended
to expand its arena for promotion of village industries
from 26 to 99. In 1989, Parliament also passed an
Act to set up Small Industries Development Bank of
India (SIDBI) which became operational from April
2, 1990. Thus, India became one of the few
handful countries in the world to have an
exclusive bank for SSI. In 1990, a Department for
Small and Agro & Rural Industries was set up to
provide a sharper policy focus for development
of SSI and related entrepreneurship.
The Industrial Policy Statement of 1990 stressed
on steps necessary for enhancing contribution of SSI
sector. New Policy Measures announced in quick
succession in 1991 provided special thrust for
promotion and strengthening of small, tiny and
village industries. In 1993 the Indian Institute for
Entrepreneurship was established in Guwahati to
focus on entrepreneurship development in the North-
East region. Prime Minister’s Rozgar Yojana (PMRY)
was launched in the same year with a target of
creating 10 lakh entrepreneurs and 7 lakh enterprises
through provision of training, equity support and
bank finance. Nayak Committee recommended
simplified norms for financing of working capital to
SSI entrepreneurs. A Rashtriya Mahila Kosh was set
up to boost women entrepreneurship by providing
adequate funds. On October 14, 1999 a new Ministry
of Small Scale Industries and Agro & Rural Industries
was created to provide direction and perspective to
the development strategy with emphasis on better
infrastructure and impetus to modernization and
technology upgradation. The Government of India
launched the Credit Guarantee Fund Scheme for
Micro and Small Enterprises in August 2000 to make
available credit to MSEs without collateral/third party
guarantees.
In September 2001, two separate Ministries were
created: Ministry of Agro and Rural Industries was
created to provide focused attention to generation
of employment opportunities in rural areas; and a
Ministry of Small Scale Industries for promotion and
development of SSI. The National Commission for
60 YEARS OF REPUBLIC OF INDIA
Laghu Udyog Samachar8
Enterprises in the Unorganized Sector (NCEUS) was
set up in September 2004 to examine problems of
enterprises in the unorganized sector and suggest
measures to overcome them. In 2006 a Micro, Small
and Medium Enterprises Development Act (MSMED),
2006 was enacted by the Parliament. Pursuant to
this Act the two Ministries stated above were merged
into a single Ministry, namely, the Ministry of Micro,
Small & Medium Enterprises. In February 2007, a
Package for Promotion of Micro and Small Enterprises
was announced to, inter-alia, address concerns in
the area of credit, fiscal support, cluster-based
development, infrastructure, technology, marketing,
capacity building of MSME associations and support
to women entrepreneurs.
Prime Minister’s Employment Generation
Programme (PMEGP) was launched in August 2008
to generate employment opportunities, to provide
self-employment opportunities to unemployed youth
and traditional artisans, to provide continuous and
sustainable employment to artisans and unemployed
youth and, to increase wage earning capacity of artisans
by providing them entrepreneurship/skill training,
margin money support and hassle-free bank loan.
Rajiv Gandhi Udyami Mitra Yojana (a scheme
for Promotion and Handholding of Micro and Small
Enterprises) was launched in 2008 to help and
facilitate potential first generation entrepreneurs at
post-training stage to set up and operationalize their
enterprises.
60 YEARS OF REPUBLIC OF INDIA
1948 First Industrial Policy Resolution,
Establishment of IFCI
1951 State Financial Corporations Act
1953 National Research Development
Corporation
1954 Small Industries Development
Organisation (SIDO)
1955 National Small Industries Corporation
1956 Second Industrial Policy Resolution
1957 Khadi & Village Industries Commission
1962 National Institute for MSME (NIMSME)
1964 Industrial Development Bank of India
(IDBI)
1969 Nationalization Õ 14 Banks
TYE (Training of Young Engineers)
Programme
1977 Industrial Policy Statement
1978 DICs
1980 Further nationalization of 6 more banks
Priority Sector
Target Õ 40%
TRYSEM
1983 NIESBUD
SEEUY
1987 KVIC Act amended
26 to 99 industries
1989 Small Industries Development Bank of
India Act enacted
1990 Deptt. of SSI & ARI
1993 Indian Institute for Entrepreneurship,
Guwahati
PMRY: 10 lakh entrepreneurs
7 lakh enterprises
Rashtriya Mahila Kosh
(Women entrepreneurship)
1999 Separate Ministry of SSI & ARI
2000 Credit Guarantee Scheme (CGFTSI)
Comprehensive Policy Package for SSI
and Tiny Sector
2001 Ministry of SSI and Ministry of Agro and
Rural Industries
2004 National Commission for Enterprises in
the Unorganized Sector
2006 MSME Act and Ministry of MSME
2007 Package for Promotion of Micro & Small
Enterprises
2008 Rajiv Gandhi Udyami Mitra Yojana (A
Handholding Scheme for New
Entrepreneurs);
Prime Minister’s Employment
Generation Programme (Training/
Financing of New Entrepreneurs)
January, 2010 9
Figure 1 Government Policies & Programmes - Evolution
60 YEARS OF REPUBLIC OF INDIA
Fifties
Capital (Finance) ⇒ Technology ⇒ Integrated
services ⇒ 2nd Industrial Policy Resolution ⇒Village Industries ⇒
Sixties
Small Industries & Extension Training ⇒Financial Provisioning ⇒ Entrepreneurship Training
for Engineers ⇒
Seventies
District level integrated services ⇒ Enlarging
credit flows ⇒ Training Rural Youth for Self-
Employment ⇒
Eighties
Integrated Training of Educated Unemployed
Youth for Self-Employment ⇒ Entrepreneurship and
Small Business Training ⇒ Enlarging village
industries arena ⇒ Small Industries Development
Bank of India ⇒ Department for Small, Agro and
Rural Industries ⇒
Nineties
Institute for Entrepreneurship for North East ⇒Entrepreneurship and Enterprise Development
through training and finance (PMRY) ⇒ Women
Entrepreneurship ⇒ Setting up of a separate
Ministry ⇒ Credit Guarantee Scheme ⇒ Policy
Package for SSI and Tiny Sector ⇒
Twenty First Century
Enterprises in the Unorganized Sector ⇒ An
Act for MSME Development (includes Medium
Scale Enterprises) ⇒ Package for Promotion of
Micro & Small Enterprises ⇒ Post-training
handholding for enterprise creation ⇒ Nationwide
employment, entrepreneurship and enterprise
creation programme (PMEGP)
Figure 2 Shifts In Policy Focus Over The Decades
It is thus clearly seen that timely and focused
interventions taken in keeping with emerging
environmental requirements have enabled
entrepreneurship in MSME sector to withstand the
continual onslaught of environmental stresses and
strains including economic liberalization and
globalization: demonstrating remarkable resilience
and capacity for performance and contribution to
GDP while achieving a growth superior to its Big
Brother, the large industry. Contribution of
entrepreneurship in MSME to employment
generation, exports and
overall economic
development is most
commendable. New
dimensions and
changing focus in
policy measures have
resulted in nationwide
continuance of
programmes for entrepreneurship development for
over three decades. The awesome performance of
entrepreneurs in MSME has encouraged the Planning
Commission to increase Plan outlays in each of the
Five Year Plans from Rs. 5.20 crore in the First Plan
to Rs. 5,534.00 crore in the Tenth Plan. Thanks to
the innovative policy support and extensive
governmental interventions, greenshoots recently
witnessed in some of the units in the sector, making
waves on the international front, amply demonstrate
the promise entrepreneurs of MSME hold for
awesome future global
growth and
development of
enterprises, for
concretizing the vision
of its policy planners and
for bringing laurels to the
sector as well as to
the nation. n
Figure 3 Plan Outlays for SSI
First 5.20
Eighth 2,812.18
Ninth 4,304.00
Tenth 5,534.00
(Rs. in crores)
Laghu Udyog Samachar10
Credit Guarantee Fund Trust for
Micro and Small Enterprises
The Ministry of Micro,
Small & Medium
Enterprises, Govt. of India,
(the then Ministry of SSI) and
Small Industries
Development Bank of India
(SIDBI) established a Trust
named Credit Guarantee
Fund Trust for Small Industry
(CGTSI) which has been
recently renamed as Credit
Guarantee Fund Trust for
Micro and Small Enterprises
(CGTMSE) to implement the
Credit Guarantee Scheme
(CGS). CGS was launched to
make available collateral and
third party guarantee free
credit to the Small Scale
Industries (SSIs) and Small
Scale Service and Business
Enterprises (Industry Related)
[SSSBE-IR]. As per the
announcement of 'Package
for Promotion of Micro and
Small Enterprises' in
Parliament by Hon’ble
Minister for MSME, Govt. of
India on February 27, 2007,
its scope was widened to
include micro and small
enterprises sector and the
scheme has been renamed as
'Credit Guarantee Fund
Scheme for Micro and Small
Enterprises (CGS)'. Both
existing and new units are
eligible to be covered under
the scheme.
O.S. Vinod
CEO
Credit Guarantee Fund
Trust for MSE
7th
Floor, Plot No. C-11,
G-Block, Bandra, Kurla
Complex, Bandra (E),
Mumbai-400051
First generation entrepreneurs in the Micro and
Small Enterprises (MSE) sector find it difficult to access
credit from the organized banking sector. The banks
on their part are concerned about the likely defaults
in small loans and hence try to collateralize their
exposure to the small borrowers. Keeping this in
mind, it was thought fit to create the instrument of
Credit Guarantee to enhance the comfort level of
the banks for financing loans, as well as a new
gateway for MSE entrepreneurs to get funding
without collateral security and/or third party
guarantee.
The corpus of CGTMSE is being contributed by
Settlors i.e. the Government of India and SIDBI in
the proportion of 4:1 respectively. The Settlors have
contributed Rs. 1,906.56 crore to the corpus of the
Trust (as on December 31, 2009) against the
committed corpus of Rs. 2,500 crore.
Eligible Lending Institutions
The institutions, which are eligible under the
scheme, are scheduled commercial banks, including
Public Sector Banks, Private Sector Banks, Foreign
Banks and select Regional Rural Banks (which have
been classified under ‘Sustainable Viable’ category
by NABARD). Besides, all India financial institutions
like Small Industries Development Bank of India
(SIDBI), select Regional / State level financial
institutions have also been made eligible institutions.
As on December 31, 2009, there were 99 Member
Lending Institutions (MLIs) of the Trust, comprising
27 Public Sector Banks, 16 Private Sector Banks, 2
Foreign Banks, 48 Regional Rural Banks and 5 other
Institutions viz. NSIC, NEDFi, TIIC, DFC, KFC and
SIDBI.
Eligible Credit Facility
The credit facilities which are eligible to be
covered under the scheme are both term loans and
working capital facility up to Rs.100 lakh per
SCHEME
January, 2010 11
borrowing unit, extended without any collateral
security or third party guarantee, to a new or existing
unit in the MSE sector, including units in
manufacturing and service sectors. For those units
covered under the guarantee scheme, which may
become sick owing to factors beyond the control of
management, rehabilitation assistance extended by
the lender could also be covered under the guarantee
scheme. It is noteworthy that if the credit facility
exceeds Rs.100 lakh, it may still be covered under
the scheme but the guarantee cover will be extended
for credit assistance of Rs.100 lakh only. The
guarantee cover ranges between 75%-85% as per
the category of credit facility and will accordingly
be restricted to a maximum of Rs.65 lakh. Any credit
facility in respect of which risks are additionally
covered under a scheme, operated by Government
or other agencies, will not be eligible for coverage
under the scheme to that extent.
Time Limit for the Loans to be Covered
The MLIs have to apply for guarantee cover in
respect of credit proposals sanctioned in the quarter
April-June, July-September, October-December and
January-March prior to expiry of the following quarter
viz. July-September, October-December, January-
March and April-June, respectively.
Security for Loan
The loan covered under the guarantee scheme
may be secured only by way of primary security.
For this purpose primary security has been defined
to include assets created out of the credit facility, so
extended, or which are directly associated with the
project or business for which the credit facility has
been extended. Any facility extended against
collateral facility or third party guarantee is not
eligible for coverage under the scheme.
Guarantee Cover
The category-wise extent of guarantee cover is as
follows:
Category Maximum Extent of Guarantee Where Credit Facility is
Upto Rs.5 lakh Above Rs.5 lakh Above Rs.50 lakh
upto Rs.50 lakh upto Rs.100 lakh
Micro Enterprises
Women entrepreneurs /
Units located in North
East Region (incl. Sikkim)
(other than credit facility
upto Rs.5 lakh to micro
enterprises)
All other category of
borrowers
85% of the amount
in default subject to
a maximum of
Rs.4.25 lakh
75% of the
amount in
default subject
to a maximum
of Rs.37.50 lakh
Rs.37.50 lakh plus 50% of
amount in default above Rs.50
lakh subject to overall ceiling of
Rs.62.50 lakh
Rs.40 lakh plus 50% of amount
in default above Rs.50 lakh
subject to overall ceiling of
Rs.65 lakh
Rs.37.50 lakh plus 50% of
amount in default above Rs.50
lakh subject to overall ceiling of
Rs.62.50 lakh
80% of the amount in default subject to a
maximum of Rs.40 lakh
75% of the amount in default subject to a
maximum of Rs.37.50 lakh
SCHEME
Laghu Udyog Samachar12
In case of default, Trust settles the claim up to
75% of the amount in default of the credit facility
extended by the lending institution, subject to a
maximum guarantee cover of 75% / 80% / 85% of
SCHEME
the sanctioned amount. For this purpose the amount
in default is reckoned as the principal amount
outstanding in the account of the borrower, in respect
of term loan, and amount of outstanding working
capital facilities, including interest, as on the date of
the account turning NPA.
Tenure of Guarantee
The Guarantee cover under the scheme runs
through the agreed tenure of the term loan /
composite credit. The tenure is a block of 5 years, if
working capital facility alone is covered under Credit
Guarantee Scheme.
Fee for Guarantee
The fee payable to the Trust under the scheme is
one-time guarantee fee [which ranges from 0.75%
to 1.5% of the credit facilities sanctioned] and annual
service fee [which ranges from 0.5% to 0.75% per
annum on the credit facilities sanctioned as on March
31, each year] as detailed below:
Credit Facility Upfront Guarantee Fee (%) Annual
North East Service Fee
Region (incl. Sikkim) Others (%)
Upto Rs.5 lakh 0.75 1.00 0.50
Above Rs.5 lakh
to Rs.50 lakh 0.75 1.50 0.75
Above Rs.50 lakh
to Rs.100 lakh 1.50 1.50 0.75
Website
The operations of CGTMSE are conducted on
B2B portal through internet. The website of CGTMSE
has been hosted at www.cgtsi.org.in /
www.cgtmse.in
Operational Highlights of CGTMSE
As on December 31, 2009, 2,49,164 proposals
from MSEs have been approved for guarantee cover
for aggregate credit of Rs.9,192.27 crore, extended
by 74 MLIs in 35 States / UTs. As a result of increased
awareness about CGS and active support of all the
stakeholders, the pace of proposals being accepted
for guarantee cover has gone up significantly. The
year-wise growth position is indicated in the table
below:
Period No. of No. of Credit Amount of Cumulative
Active Facilities Guarantees Guarantees
MLIs Approved / Approved Approved
Units Covered (Rs.in lakhs) (Rs.in lakhs)
*
FY 2000-01 9 951 606 606
FY 2001-02 16 2296 2952 3558
FY 2002-03 22 4955 5867 9425
FY 2003-04 29 6603 11760 21185
FY 2004-05 32 9516 32677 53862
FY 2005-06 36 16284 46191 100053
FY 2006-07 40 27457 70453 170506
FY 2007-08 47 30285 105584 270159
FY 2008-09 57 53708 219940 482434
FY 2009-10* 74 100092 446508 919227
* Data as on December 31, 2009
It may be seen from above table that the growth
in coverage under the Scheme has shown an
increasing trend and has seen significant growth both
in terms of number and size, more so during the last
three financial years. The number of guarantee
approvals increased from 951 in FY 2001 to 16,284
in FY 2006 and further trebled to 53,708 in FY 2009.
During the first nine months of FY 2010, the coverage
about doubled over the previous year to 1,00,092
approvals. Similarly, the amount of guarantee
approvals also went up from Rs. 6.06 crore in FY
2001 to Rs.461.91 crore in FY 2006 and increased
over 376% to Rs. 2,199.40 crore in FY 2009. It further
registered growth of 103% during the first nine
months of FY 2010 as compared to FY 2009.
The MLI-wise classification of CGS coverage
cumulatively as at December 31, 2009 indicates that
State Bank of India topped the list in terms of number
of proposals covered. 47,599 proposals for guarantee
amount of Rs.1,429.77 crore were approved by State
Bank of India accounting for 19.10% of the total
proposals and 15.55% of the guaranteed amount
January, 2010 13
approved cumulatively as at December 31, 2009.
Punjab National Bank (37,020 proposals for
Rs.1,002.09 crore), Canara Bank (35,413 proposals
for Rs.859.61 crore), Bank of India (30,030 proposals
for Rs.1,603.41 crore) and Allahabad Bank (10,039
proposals for Rs. 263.36 crore) were the other leading
MLIs.
State-wise classification of the cumulative
coverage under CGS as at December 31, 2009
indicates that Uttar Pradesh was the leading
beneficiary with guarantee facility covered for 34,736
proposals for an aggregate credit of Rs. 801.80 crore,
followed by Kerala (29,340 proposals for Rs.551.52
crore), West Bengal (22,557 proposals for Rs.843.76
crore), Tamilnadu (22,105 proposals for Rs.888.51
crore) and Karnataka (16,912 proposals for Rs.924.33
crore).
Similarly, slab-wise analysis of the cumulative
guarantees approved as at December 31, 2009
reveals that 27.54% of the amount guaranteed
pertains to loan size below Rs. 5 lakh (by numbers
83.72%), 16.47% of the amount guaranteed belongs
to loan size between Rs.5 lakh to Rs.10 lakh (by
numbers 7.60%), 31.18% of loans belongs to loan
size between Rs.10 lakh to 25 lakh (by numbers
6.68%), 17.04% of loans belongs to loan size
between Rs. 25 lakh to 50 lakh (by numbers 1.63%),
7.77% in terms of amount guaranteed belongs to
loan size between Rs.50 lakh to Rs.100 lakh (by
numbers 0.38%).
Sectoral analysis of the coverage under CGS
cumulatively as at December 31, 2009 reveals the
highest coverage for Services (Industry related)
(19,616 proposals / Rs. 587.80 crore) followed by
Metal Products (11,512 proposals / Rs. 426.86 crore),
Textile Products (10,922 proposals / Rs. 603.09
crore), Food Products (10,669 proposals / Rs. 417.86
crore) and Wood Furniture (5,330 proposals /
Rs. 98.75 crore) sectors.
An analysis of the cumulative coverage under
CGS as at December 31, 2009, indicates that 51,447
proposals (20.64%) for Rs. 1,452.74 crore (15.80%)
was in respect of Women Entrepreneurs; 13,019
proposals (5.22%) for Rs. 151.36 crore (1.64%) to
Scheduled Caste; 3,394 proposals (1.36%) for
Rs. 68.37 crore (0.74%) to Scheduled Tribe and
15,823 proposals (6.35%) for Rs. 320.71 crore
(3.48%) to the Minorities.
From the information furnished by the Member
SCHEME
Lending Institutions (MLIs) at the time of lodging the
applications online for availing the guarantee facility
under CGS, it appears that the aggregate turnover of
the guaranteed units on a cumulative basis works
out to Rs.55,848 crore; exports of Rs.1,721 crore and
employment generation for 24.38 lakh persons as
shown below:
Cumulative Number of Guarantees
Approved 2,49,164
Cumulative Amount of Guarantees
Approved Rs.9192.27 crore
Expected turnover of guaranteed
units Rs.58,969 crore
Expected exports by guaranteed
units Rs.1,835 crore
Expected employment generation
(No. of persons) 28.98 lakh
Awareness Programmes
As at December 31, 2009 CGTMSE participated
till date participated in over 211 Seminars, 570
Workshops/Bankers’ meet, 298 GoI/RBI/SLBC/SLIIC
Meetings and made presentations to sensitize bank
officials/ entrepreneurs in MSE sector to the various
facets of the Credit Guarantee Scheme. The
workshops were generally arranged by the member
banks / SIDBI / CGTMSE / Industry Associations, etc.
CGTMSE is also spreading awareness about
CGTMSE through the media and the publications of
Industry Associations. Besides this, CGTMSE has
been actively engaged in giving press/electronic
media briefings/interviews to spread awareness about
CGTMSE. CGTMSE has been disseminating
information on the Scheme through various
Entrepreneurial Development Institutes and
prominent training institutes such as HIMCON in
Himachal Pradesh, J&K EDI in Jammu and Kashmir,
MITCON in Maharashtra, IED in Uttar Pradesh,
WEBCON in West Bengal and MSME-DIs in various
States, etc.
Management
CGTMSE is managed by a Board of Trustees
consisting of Chairman and Managing Director,
SIDBI as ex-officio Chairman of the Trust, Additional
Secretary and Development Commissioner (MSME),
Ministry of MSME, Government of India as ex-officio
Vice-Chairman, Chairman of Indian Banks’
Association as ex-officio Member and CEO, CGTMSE
as Member Secretary. n
Laghu Udyog Samachar14
Overview of World Trade Organisation (WTO)
WTO is the only
international organization
dealing with the global rules
of trade among nations to
ensure that trade flows as
smoothly, predictably and
freely as possible. India is a
founder member of the
WTO. The WTO Agreements
can be classified broadly in
three components:-
a) Those affecting
Quantitative Restrictions
(QRs) and the tariff
structure of products,
e.g., General Agreement
on Tariffs and Trade
(GATT), Agreement on
Agriculture, Agreement
on Textiles and Clothing
(ATC).
b) Those dealing with
Intellectual Property
Rights are Agreement on
Trade-Related Aspects of
Intellectual Property
Rights (TRIPS).
c) Those dealing with
barriers to trade,
standards, investment
and subsidies, i.e.
Agreement on Technical
Barriers to Trade (TBT),
Agreement on
Application of Sanitary
and Phyto Sanitary
Measures (SPS),
Agreement on Subsidies
and Countervailing
Measures (ASCM) and
Sudhir Kr. Agarwal
Asstt. Director (EP & WTO)
Office of the Development
Commissioner (MSME)
Government of India
Nirman Bhavan
New Delhi-110108
Agreement on Trade Related Investment
Measures (TRIMS).
Article-XI of the GATT, 1994 prohibits restrictions
other than duties, taxes and other charges with regard
to trade. It recognises only tariff as a legitimate
instrument of commercial policy for the regulation
of trade. Thus, QRs are prohibited as a rule for both
imports and exports. A country may impose QRs, if
it faces shortage of food grains, for reasons of security
and public health, or has an adverse balance of
payment position.
India is also maintaining QRs on certain items
under Article-XX (to protect human, animal or plant
life or health, public morals, etc.) and XXI (security
reasons of GATT).
(i) Genesis of the WTO
n Established in 1995, is a successor to GATT
n GATT formed in 1947
n GATT was an effort to eliminate
discriminatory treatment in international
commerce
n Original goal was to create International
Trade Organisation at par with the World
Bank and IMF
n ITO failed to be accepted and the default
was GATT
(ii) WTO – A Brief Sketch
n Currently WTO has 153 members
n Account for over 97% of world trade
n Around 30 others, including Russia are
negotiating membership
n Three main purposes:
• A forum for trade negotiation
• A set of rules to govern trade
FEATURE
January, 2010 15
• A mechanism to settle trade disputes
n WTO still upholds several GATT principles
n India is a founding member of GATT and
WTO
(iii) Basic Principles
n Trade without discrimination
o Most favoured nation (MFN)
o National Treatment
[without discrimination — a country should not
discriminate between its trading partners (giving them
equally ‘most-favoured-nation’ or MFN status); and
it should not discriminate between its own and
foreign products, services or nationals (giving them
‘national treatment’)]
n Freer Trade - Barriers coming down through
negotiation
n Predictability through binding
n Promoting fair competition
n Encouraging development and economic
reforms
(iv) Functions
n To oversee implementing and administering
WTO agreements
n To provide a forum for negotiations
n To provide a dispute settlement mechanism
n To achieve greater coherence in global
economic policy-making
n To administer Trade Policy Review
Mechanism
(v) But WTO is not just about liberalising trade. It
seeks to ...
n Protect consumers
n Raise standards of living
n Ensure employment
n Ensure large and steadily growing real
incomes and demand
n Expand the production of and trade in
goods and services
n Ensure prevention of spread of diseases and
protect the environment
(vi) Basic Structure
n Ministerial Conference
n General Council
n Goods Council, Services Council and TRIPS
Council
n Trade Policy Review Body (TPRB)
n Dispute Settlement Body
n Secretariat
(vii) Mode of Operation
n Decisions made by entire membership
typically by consensus
n A majority vote is possible but has never
been used
(viii) The GATT/WTO Rounds
n Geneva 1947 (23 participants)
n Annecy 1949
n Torquay 1950
n Geneva 1956
n Dillon Round 1960-61
n Kennedy Round 1964-67 (60 participants)
n Tokyo Round 1973-79 (99 participants)
n Uruguay Round 1986-93 (123 participants)
n Doha Round 2001- (over 150
participants)
(ix) Trade Policy Review
n Is a periodic scrutiny..
• to improve transparency
• to create a greater understanding of the
policies that countries are adopting
• to assess the impact of such policies
FEATURE
Laghu Udyog Samachar16
n Each review contains reports by the country
concerned and the WTO Secretariat
(x) Dispute Settlement Procedures (DSPs)
n A central pillar of the multilateral trading
system
n WTO’s unique contribution to the stability
of the global economy
n Makes the trading system more secure and
predictable
n Major aspects of the DSPs are
• Consultations
• Panel process
• Appellate process
• Implementation and surveillance process
(xi) Dispute Settlement and Small Countries
n No filing fees and costs for States. Expenses
limited to payment of the consultants,
lawyers and for gathering its own evidence
n WTO Dispute and Small Countries some
examples:
n Chile – EU Salmon Safeguards
EU was forced to revoke the safeguard
measures it imposed on farmed salmon after
Chile asked the WTO to establish an
Arbitration Panel, after its failure to resolve
the issue during consultation period.
n EU – Latin America Banana War
EU lost a WTO dispute with nine Latin
American countries over its planned new
tariffs on banana imports.
(xii) Special & Differential Treatment (SDT)
n Deals with compensating for structural
inequalities between developing and
developed countries in terms of:
n share of world trade
n access to financing
n access to technology
n infrastructure weaknesses
n There are lists of the SDT provisions for
LDCs in various WTO Agreements,
Ministerial decisions and declarations,
Decisions of General Council and other
Bodies
WTO tries to reflect the complex and dynamic
nature of trade. It highlights some of the benefits of
the WTO’s trading system, but it doesn’t claim that
everything is perfect-otherwise there would be no
need for further negotiations and for the system to
evolve and reform continually.
It does not claim that everyone agrees with
everything in the WTO. That’s one of the most
important reasons for having the system: it’s a forum
for countries to thrash out their differences on trade
issues.
There are many over-riding reasons why we’re
better off with the system than without it. Here are
10 of them.
1. The system helps promote peace
2. Disputes are handled constructively
3. Rules make life easier for all
4. Freer trade cuts the costs of living
5. It provides more choice of products and qualities
6. Trade raises incomes
7. Trade stimulates economic growth
8. The basic principles make life more efficient
9. Governments are shielded from lobbying
10. The system encourages good government
Thus there are a number of ways of looking at
the WTO – An organization for liberalising trade, a
forum to negotiate trade agreements, a place to settle
trade disputes…
But it’s not superman, just in case anyone thought
it could solve – or cause – all the world’s problems!
n
FEATURE
January, 2010 17
Incentive Policy-2006 for Accelerated
Industrial Growth of the State
Today there is a requirement to provide a new
industrialized shape full of industries to Bihar State.
There is a need to establish new industries and to
revive the sick and closed units of the state. For this
purpose favourable environment should be created
to attract the investors of state and from abroad. In
this connection the Industrial Policy-2003 has been
reviewed. After reviewing the policy, a decision has
been taken to prepare a new industrial policy in the
present circumstances so that there may be a
balanced industrial growth in the state.
In the light of the aforesaid facts a new Industrial
Incentive Policy - 2006 has been prepared in
consultation with Bihar Industries Association, Bihar
Chamber of Commerce, Confederation of Indian
Industry and all concerned Government
Departments. In the preparation of this policy the
Industrial policies of different states have been kept
in view.
Under this Industrial Incentive Policy - 2006 there
are provisions for granting pre-production incentive
of subsidy/exemption from stamp duty and
registration fee and post production incentive of
grant/exemption for preparation of project reports,
purchase of land/shed, technical know-how, captive
power generation/diesel generating set, quality
certificate, VAT, luxury tax, electricity duty,
conversion fee, market fee etc.
With the implementation of this Industrial
Incentive Policy-2006, it is expected that there will
be growth in the per capita income of the state and
industrial growth as well as accelerated employment
opportunities.
Strategy
1. To create favourable circumstances in order to
establish industries in the State so that there may
be positive communication among the investors.
2. Bihar Single Window Clearance Act-2006 : To
promote all round development of the state and
POLICY
industrial growth rapid clearance procedures for
establishing industries, to issue license and
certificates, to provide a congenial atmosphere
to the investors of Bihar state and in this regard
and for other concerned subjects Bihar Single
Window Clearance Act-2006 has been enacted.
3. Bihar Infrastructure Development Enabling Act-
2006 : To provide for rapid development of
physical and social infrastructure in the State and
to attract private sector participation and to
provide for a comprehensive legislation for
designing, financing, construction, operation,
maintenance of infrastructure projects, so that
administrative and procedural delays are
reduced, for identifying generic project risks,
Bihar Infrastructure Development Enabling Act,
2006 has been enacted.
4. In order to simplify the inspection of factories,
provision of self-certification will be made.
5. Industrial growth is adversely affected due to the
complicated labour laws. Such labour laws will
be made simple and development oriented.
6. Human resources will be developed in such a
way, which can promote and create
industrialization of high degree. Besides, different
existing institutions will be strengthened to
improve skill.
7. Land Bank : To meet the requirement of land for
industries and development schemes, Land Bank
will be established in the state. By this Bank, land
will be made available according to the
requirements of different industries and for
development schemes.
8. Marketing arrangements will be made for small,
tiny, cottage industries, handloom and
handicraft.
9. For the creation of the basic facilities of
international level, to enhance capital investment
in the industrial areas and invite the private sector
Industrial Incentive Policy of BiharIndustrial Incentive Policy of Bihar
Laghu Udyog Samachar18
for investment and to encourage public private
partnership for this purpose.
10. Development of Infrastructure.
11. In order to revive sick units, to identify such units
and to suggest necessary remedial measures and
to prevent sickness by developing a district level
monitoring system.
12. To develop handicraft, handloom, khadi, silk and
village industries.
A Huge Base of Agriculture Production
Bihar has an excellent climate with fertile soil
and abundant water for cultivation of diverse range
of food grains, fruits and vegetables. The State is a
significant producer of rice, maize, pulses and variety
of fruits and vegetables. It is the largest producer of
delicious Litchi and nutritious Makhana.
Major Attractions for Food Processing Industry
Modern Rice Mills and Husk Based Power
Generation
Around 50 lac MT of paddy is produced over an
area of around 40 lac Ha. The State has some famous
fine varieties including Katarani rice, renowned for
its special aroma, produced in Bhagalpur-Munger
region. Patna rice is another fine variety of the State.
Districts like Rohtas, Kaimur, Aurangabad, Bhojpur
and Buxar in south-west region, are known as the
‘rice bowl’ of the State. ‘Sona Chood’ of Bhojpur
region is yet another scented variety. These districts
account for more than 30% of rice production and
have a thriving rice milling cluster.
Bihar is also one of the largest markets for milled
rice. In fact, installed capacity of rice milling is not
enough to meet the existing demand and existing
mills also require expansion and modernization.
Thus, there is a large scope for setting up new and
modern rice mills in the State which can make variety
of rice products. There are also significant
opportunities in utilization of by products for making
starch, bran oil etc.
Finally, the large paddy production also offers
opportunities for setting up husk based power
generation in the State. The present productivity level
at around 15 Quintal/Hectare is expected to increase
to around 25 by 2011-12 Qtl/Ha bringing in further
opportunities for potential entrepreneurs.
Maize Processing
Around 20 lac MT of maize is produced over an
area of around 7 lac Ha. Major producing districts
are Khagaria, Madhepura, Begusarai, Saharsa and
Katihar. Winter (Rabi) maize is cultivated mainly in
Bihar with a production of 0.74 million MT., about
40% of the total production. This gives unique
position to the State in national maize market with
most of maize processing units in north India
depending highly on maize from the State for a
significant period of time. With state productivity
much higher than national productivity level and area
under cultivation expected to rise, the availability of
good quality maize offers significant opportunities
for entrepreneurs in the State.
However, the level of processing in the State is
presently quite insignificant. There is thus a large
opportunity for maize processing units which can
be set up for making a range of products like starch,
corn oil, corn flakes, corn flour, poultry feed etc.
Banana Ripening and Processing
Around 10 lac MT of Banana produced over 28
thousand hectare of land. Two major production
clusters, around Bhagalpur and Vaishali, account for
almost 50% of state production. With hub at
Naugachia, Bhagalpur region produces more than
21 lac MT of Hari Chaal and Robusta varieties. The
second cluster around Vaishali region produces more
than 2.5 lac MT of Muthia and Chinia varieties.
Banana offers significant opportunities for both
fresh and processed food market. There are
opportunities of setting up modern ripening
chambers for catering to premium national and
international market.
There may also be scope for processing units for
making pulp, baby food, banana fibre, packing
material, banana flower vegetables (Ready to eat),
banana trunk vegetables & pickles. Processed Banana
is picking up fast with the South Indian market. New
markets are emerging in the gulf countries and middle
east.
POLICY
January, 2010 19
In terms of diversification, Banana Fiber (trunk
and leaves) has a scope as well as a good market as
one of the diversified textile fibres. Naugachia, being
a district in the near vicinity of Bhagalpur (textile
hub of Bihar) has an added advantage for setting up
fibre extraction and yarning units, over and above
food processing.
Vegetables Processing
Bihar is the second largest producer of vegetables
in India with a production of nearly 8 Million MT
per annum over an area of 4 lakh hectares. Bihar is
the largest producer of Okra in the country, second
largest producer of Cabbage, third largest producer
of Potato, Brinjal, Cauliflower and Onion. It also
produces significant volume of various other
vegetables and feeds far off places including Delhi
and Kolkata.
Growth of organized retail market in fresh fruits
and vegetables offers significant opportunities for
processing and value packaging facilities in vegetable
production centres in the State. Many other
opportunities in processing of Dairy, Fishery and
Spices etc. are also available.
Food Parks
An identified geographical area having potential
of strong viability for the food processing units.
State Government proposes setting up of two
food parks in fruits and vegetable clusters in the State:
Muzaffarpur-Vaishali region
Bhagalpur-Katihar region
Focus on fruits and vegetables due to relatively
higher level of wastage, but may also have other
food processing units based on grains, milk products
etc.
Eligibility & Funding
The Food Parks will be set up by a Special
Purpose Vehicle (SPV), preferably registered as a
corporate body with at least 51% equity of the private
entrepreneurs, while the rest of the equity may be
with central and state government agencies, banks
and financial institutions etc.
Grant of Rs. 15 crores or up to 20% of the total
project cost, whichever is less.
Entire details of the scheme available on the
website www.gov.bihar.nic.in
Leather Sector
Some of the interventions under way : Footwear
& Leather Goods Park; CETP at Industrial Area,
Muzaffarpur in collaboration of CLRI, Chennai; and
Footwear Design & Development Institute to be set
up in the state.
Jute Sector
Business plan worth Rs. 59 crore prepared by
IL&FS CDI, approved by the state cabinet with
interventions for : Input services to farmers and DJP
producers; Technology upgradation (for retting,
weaving, dyeing etc.); Marketing & Capacity Building
Centre for DJPs; Two Jute Parks to provide world
class infrastructure and create local employment
opportunities; and Work for 1 Jute Park at Purnea
already initiated by IL&FS CDI.
MSME Clusters
State-wide mapping exercises completed by
IL&FS CDI. Interventions in clusters being
contemplated.
1. Printing Press, Patna : 300 printing units with
annual turnover of Rs. 100 Cr.
2. Shell Button, Maheshi : 300 household units
employing about 12,000 persons in & around
Maheshi & Bathma, annual turnover approx.
Rs. 7.5 Cr.
3. Powerlooms, Manpur, Gaya : About 7,000
power looms, 20 mini calendaring machines, 5
dye houses, 56 loom & accessory manufacturers,
100 master weavers, 50 odd traders, annual
turnover Rs. 90 Cr. producing gramchha, patta,
chhadar, dhoti etc.
4. Agarbatti Making, Gaya : At least 1 lakh
household women engaged in rolling agarbattis
in and around Gaya town, covering 100 villages,
Rs. 100 Cr. turnover, many raw material
suppliers.
POLICY
Laghu Udyog Samachar20
POLICY
January, 2010 21
5. Stone Carving, Pattharkati, Gaya : About 450
units with 700 artisans making idols, statues,
utility products etc.
6. Beekeeping, Muzaffarpur : 4,000 beekeepers
within Muzaffarpur district, annual turnover of
Rs. 5 Cr., high quality honey being procured by
Dabur & Baidyanath.
7. Begusarai Mentha Oil : 100 small oil extraction
units, 2-3 units into distillation, annual turnover
approx. Rs. 8 Cr.
8. Lahti (Lac Bangles) Making, Muzaffarpur : 1,000
household units employing 2,000 workers,
annual turnover Rs. 10-12 Cr.
9. Shoemaking, Bihar Sharief : 120 household
units, with about 1,000 artisans, annual turnover
Rs. 2 Cr.
Progress in PMEGP Scheme in Bihar
The progress at a glance in Prime Minister’s
Employment Generation Programme (PMEGP)
Scheme in Bihar State during 2008-09 and 2009-10
is mentioned below :
Progress of the Year 2008-09
The target and achievement in respect of Project
and Margin Money for the year 2008-09 is as under :
(Rs. in lakhs)
Year Target Achievement Utilization
(Approx) Percentage
No. of M.M. No. of M.M of M.M.
Project Project
2008-09 KVIC 1610 1932.07 441 1072.46 55.51%
KVIB 1610 1932.06 451 1116.80 57.80%
DICs 2147 2376.09 4981 2011.96 84.68%
Total 5367 6240.22 5873 4201.22 65.23%
Target for the Year 2009-10
Particulars KVIC KVIB DIC Total
Rural Urban
1 2 3 4 5 6
No. of Projects 1610 1610 1074 1073 5367
Margin Money
(Rs. in lakhs) 1932.07 1932.06 1288.05 1288.04 6440.22
Employment
(in nos.) 16099 16099 10734 10733 53665
Table II
Category Wise Target:
Scheduled Caste 15%
Scheduled tribe 7.5%
OBC 27%
Minority 05%
Ex-Servicemen 1%
PHC 3%
Women 30% (Overall)
Table III
Industry Group Wise Target :
Sr. Name of Industry Group Percentage
No. of Unit
1. ABFPI 40%
(PCPI, VOI, PGI, GKI, Milk Based)
2. FBI 5%
(Cane & Bamboo, BKI, Medicinal Plant)
3. HMPF 5%
(HMPI & Fibre)
4. MBI 15%
(Lime, Pottery)
5. PCBI 5%
(Leather, NEOS, Candle, Agarbatti,
Plastic)
6. REBT 20%
(Bio-Technology & Rural Engineering)
7. Service/Textile 10%
Total 100%
POLICY
Laghu Udyog Samachar22
Source: MSME-DI, Patna
Table I
Details of Target under PMEGP in Bihar for the year 2009-10
Sr. Name of KVIC KVIB DIC Total
No. District Urban Rural
No. of M.M. No. of M.M. No. of M.M. No. of M.M. No. of M.M.
Project (Rs. in Project (Rs. in Project (Rs. in Project (Rs. in Project (Rs. in
(Nos.) Lakhs) (Nos.) Lakhs) (Nos.) Lakhs) (Nos.) Lakhs) (Nos.) Lakhs)
1 2 3 4 5 6 7 8 9 10 11 12
1 Arariaa 41 49.46 41 49.46 27 32.97 28 32.98 137 164.87
2 Arwal 14 16.76 14 16.76 9 11.18 9 11.18 46 55.88
3 Aurangabad 37 44.64 37 44.64 25 29.76 25 29.76 124 148.80
4 Banka 31 37.45 31 37.45 21 24.97 21 24.97 104 124.84
5 Begusarai 46 54.68 46 54.68 30 36.45 31 36.45 153 182.26
6 Bhagalpur 47 56.61 47 56.61 32 37.75 31 37.73 157 188.70
7 Bhojpur 43 51.97 43 51.97 29 34.65 29 34.65 144 173.24
8 Buxer 27 32.65 27 32.65 18 21.77 19 21.77 91 108.84
9 Darbhanga 64 76.52 64 76.51 43 51.00 42 51.00 213 255.03
10 E. Champaran 77 91.77 77 91.77 50 61.15 51 61.22 255 305.91
11 Gaya 67 80.76 67 80.76 45 53.84 45 53.84 224 269.20
12 Gopalganj 42 50.04 42 50.04 28 33.37 27 33.35 139 166.80
13 Jamui 27 32.65 27 32.65 18 21.77 19 21.77 91 108.84
14 Jehanabad 17 20.90 17 20.90 11 13.94 12 13.94 57 69.68
15 Kaimur 25 29.95 25 29.95 17 19.97 16 19.95 83 99.82
16 Katihar 47 55.64 47 55.64 30 37.10 31 37.10 155 185.48
17 Khagaria 25 29.75 25 29.75 17 19.85 16 19.83 83 99.18
18 Kishanganj 25 30.14 25 30.14 17 20.09 17 20.10 84 100.47
19 Lakhisarai 16 18.74 16 18.74 10 12.49 10 12.50 52 62.47
20 Madhepura 30 35.55 30 35.55 19 23.70 20 23.70 99 118.50
21 Madhubani 69 83.61 69 83.61 47 55.72 46 55.71 231 278.65
22 Munger 22 26.47 22 26.47 15 17.64 15 17.65 74 88.23
23 Muzaffarpur 73 87.33 73 87.33 48 58.22 49 58.22 243 291.10
24 Nalanda 46 55.26 46 55.26 31 36.84 30 36.83 153 184.19
25 Nawada 35 42.12 35 42.12 23 28.08 24 28.08 117 140.40
26 Patna 92 109.74 92 109.74 61 73.17 60 73.15 305 365.80
27 Purnea 50 59.31 50 59.31 32 39.54 33 39.55 165 197.71
28 Rohtas 47 57.00 47 57.00 32 37.99 32 38.00 158 189.99
29 Saharsa 29 35.16 29 35.16 20 23.44 20 23.45 98 117.21
30 Samastipur 66 79.60 66 79.60 45 53.08 44 53.06 221 265.34
31 Saran 63 75.74 63 75.74 42 50.49 42 50.49 210 252.46
32 Seikhpura 10 12.17 10 12.17 7 8.11 7 8.12 34 40.57
33 Sheohar 10 11.98 10 11.98 7 7.98 6 7.99 33 39.93
34 Sitamarhi 52 62.21 52 62.21 34 41.48 35 41.48 173 207.38
35 Siwan 53 63.18 53 63.18 35 42.12 35 42.12 176 210.60
36 Supaul 34 40.77 34 40.77 23 27.18 22 27.17 113 135.89
37 Vaishali 53 63.18 53 63.18 35 42.12 35 42.12 176 210.60
38 W. Champaran 58 70.61 58 70.61 40 47.07 40 47.07 196 235.36
Total 1610 1932.07 1610 1932.06 1073 1288.04 1074 1288.05 5367 6440.22
The Economics of Carbon Credit for MSMEs
The issue of Global
Warming has occupied
Centre Stage for past two
years or so although the path-
breaking Kyoto Protocol,
which laid the foundation of
a sustainable mechanism for
decelerating the pace of
Climate Change, was
adopted about 12 years ago
in 1997 and came into force
from February 2005. About
184 countries have ratified
the Protocol so far with
Australia being the latest to
associate with global climate
agreement during the Bali
Conference in 2007. USA is
the only developed country
which has not yet ratified the
Protocol. The Protocol laid
main emphasis on efforts to
decrease emission of
Greenhouse Gases (GHGs),
more particularly Carbon di-
oxide (CO2
). It provides
opportunities to both the
developed and developing
countries to ensure
sustainable development
keeping the planet’s
environment more habitable.
One of the mechanisms of
Kyoto Protocol, which has
immensely helped the
industrial sector of our
country is Clean
Development Mechanism
(CDM). CDM has dual
objective of reducing the
C.S.Thanvi
CEO,
India SME Technology
Services Limited
DFC Bldg., Plot No. 37-38,
D-Block, Pankha Road,
Institutional Area,
Janakpuri, Delhi-110058
GHGs on one hand and ensuring sustainable
development of the country pursuing the project on
the other. Under the mechanism, industries in
developing countries can take up projects which help
in reduction of the emission of GHGs, thereby
leading to issuance of Certified Emission Reductions
(CERs) known more as Carbon Credits, by UNFCCC,
which can be then procured by the developed
countries as part of their commitments to reduce the
emission of GHGs in tune with the Protocol. One
CER is defined as reduction in emission of CO2
by
one tone, in the atmosphere. Thus if an entity adopts
such methods or processes which lead to reduction
in emission of one tone equivalent of CO2
, it is
entitled to one CER which can be traded in
international market. Present rate of one CER is
hovering between Euro 10 and Euro 12. CER has
now become a tradeable and measurable commodity
across the world and is being traded even in Indian
Commodity Exchanges like MCX and NCDEX.
Most of the large industrial outfits like SRF,
Gujarat Fluoro Chemicals, Grasim, Reliance etc.
have already reaped the benefits by employing CDM
projects in their units and selling the CERs. Having
exhausted the project based CERs, the developed
countries are now only targeting the emissions
generated by Micro, Small and Medium Enterprises
(MSMEs). There are more than 25 million MSMEs
across the length and breadth of the country
contributing in a big way towards the GDP of the
country, besides providing employment to more than
85 million people. Cumulatively this sector happens
to consume large amount of fossil fuels, more so in
an inefficient manner which leaves lot of scope for
saving the precious fuel for the country.
Lot of opportunities exists in the MSME sector
for earning Carbon Credits. Primarily such
opportunities are in the industrial sectors which are
consuming large amount of energy in the form of
SPECIAL STORY
January, 2010 23
furnace oils, coal and other fossil fuels for operating
furnaces, generating steam, operating boilers etc.
Thus the industrial sectors which offer good scope
for undertaking CDM projects are Re-rolling Mills,
Foundry, Forging, Ceramics and Glass, Textiles,
Paper mills, Brick kilns etc. In all these sectors there
can be many ways by which MSMEs can generate
CDM revenue like: a) fuel switch – a unit using large
amount of furnace oil or coal switches to bio gas as
fuel or to gas which has lesser GHG emission
potential as compared to oil and coal, b) combining
the efforts for Energy Efficiency in the processes with
the CDM project – adopting energy efficient
technologies/ methodologies as a voluntary measure
thereby reducing the consumption of energy and
earning Carbon Credits, c) utilizing heat energy going
waste into productive purpose and d) installing more
energy efficient devices like motors, transformers and
power factor improving devices. All these measures
result in conservation of energy on one hand and
improving the bottom lines of the unit on the other.
In many a cases, the payback period in terms of the
investment made for deploying the energy efficient
technologies is relatively low, less than 2 to 3 years.
However, lot of barriers exist for Energy Efficiency
related CDM projects than say fuel switch or other
CDM project. That is why the Energy Efficiency
projects are featuring in small numbers in the list of
CDM pipeline projects
Transaction cost involved in taking up an SME
project through CDM route for generating CERs is
too high to motivate any individual enterprise for
undertaking the project on its own. For taking up
say Energy Efficiency project broadly cost is incurred
towards - Assessment of Energy requirement vis-à-
vis the Energy consumption, locating appropriate
technology for process/system improvement,
procurement of relevant technology/devices,
arranging funds for the capital investment to be made,
engaging consultant for preparing the documents
required for CDM project, registering the project with
the UNFCCC, getting the project validated by an
independent UNFCCC accredited agency, doing
monitoring and verification of the emission reduced
etc. Costs involved in all these activities deter an
eligible SME project from pursuing CDM route. In
order to overcome such hurdles UNFCCC has
enunciated two mechanisms, whereby SMEs in a
cluster can join hands and take up the project at
cluster level, viz. Bundling of small scale CDM
projects and taking up the project activity under a
Programme of Activities (PoA). Both the mechanisms
are for the small scale projects which have the
potential of energy savings to the extent of 60 GWh
of equivalent electricity generation. The industrial
units in clusters can jointly take up the CDM projects
by forming an association or floating an SPV for the
purpose and reap the benefits of getting funds at
lower interest, reduce the fuel bill thus augmenting
profits and also earn additional CDM revenue by
trading the CERs so generated.
Another issue which deserves the attention of
the financing institutions in the country is to innovate
the funding requirement of the SMEs. With the kind
of procedures that a CDM project has to go through
and the attendant uncertainties, banks are yet to take
plunge into the financing of small scale projects by
way of bundling or PoA route. While SBI and IDBI
have already carved out special cells for funding
projects which are likely to generate large amount
of CERs, SIDBI too is engaged in promoting the use
of energy efficient technologies for projects going
for expansion/technology upgradation as also for the
CDM projects. Infact, SIDBI is vigorously financing
the installation of energy efficient equipments by
offering loans at sub-PLR rates to the MSME.
However, the banks are yet to imbibe the nuances
of the carbonomics to go for funding in a big way
because there are risks associated in terms of the
certainty of the project to generate CERs in future,
applicability of the technology in Indian conditions,
possibility of getting fair value of CERs generated etc..
The issue has got further blurred by the dissenting
voices being raised by top world leaders about the
forthcoming Copenhagen summit which is supposed
to formalize post Kyoto agreement. This has even
brought the prices of CERs post 2012 in the zone of
uncertainty.
Access to efficient and new technologies is also
a problem and roadblock for the growth of the SMEs
which affects the competitiveness of these units in
the present environment. Keeping this in mind SIDBI
SPECIAL STORY
Laghu Udyog Samachar24
had taken the initiative of setting up a technology
bank – India SME Technology Services Ltd. - with
the support of SBI, IOB, OBC and Indian Bank.
Besides carrying a repository of various technologies
which can be adopted commercially, this company
is also engaged in the business of providing
Technology transfer facility, Project consultancy,
CDM consultancy and fund syndication to MSMEs.
ISTSL is working actively in some of the high energy
consuming MSME clusters, educating them about the
need of energy efficiency and developing CDM
project, in association with multi lateral agencies like
KfW and institutions like SIDBI and commercial
banks.
To conclude, the present regime of Kyoto
Protocol, which should hopefully get the consent of
all the stakeholders in the upcoming Copenhagen
climate conference, offers good opportunity for SMEs
to benefit by adopting eco-friendly technologies and
resorting to energy efficiency measures. Irrespective
of the outcome of Copenhagen conference, SMEs
must respond to the clarion call of adopting more
energy efficient processes and technologies as the
need to conserve energy has become a necessity.
Days are not far when India might also have to
declare voluntary energy efficiency targets. Although
these targets may not be legally binding on us but
then we may have to walk the talk. Further, just like
the labeling programme of BEE for various kinds of
appliances, the industrial units and clusters might
also get rated in future depending upon the energy
consumed, effluents discharged and other criteria.
This requires promoting the manufacturing and usage
of equipment and appliances contributing to the
energy efficiency. The era of profligacy in use of
energy like installing oversize machines with surplus
capacities is fast becoming part of history. Efficiency
and productivity is the need of the hour and when
these concepts provide additional revenue also in
the form of Carbon Credits then it certainly is icing
on the cake. Conserving energy is thus not just about
saving environment but good economics too. n
SPECIAL STORY
January, 2010 25
Global Warming Challenges and Initiatives
by MSME Tool Rooms
MSME Tool Rooms -
Environmental Management
System (EMS)
The Government of India
in its endeavour to provide
the right stimulus for the
growth of the industry in the
country – particularly with
the objective of helping the
MSMEs has established ten
Tool Rooms at Aurangabad,
Ahmedabad, Bhubaneshwar,
Guwahati, Hyderabad,
Indore, Jamshedpur, Kolkata,
Jalandhar and Ludhiana.
These Tool Rooms provide
invaluable service to the
Indian industry by way of
providing precision tooling
and well trained craftsmen in
the area of the tool and die
making. The establishment of
these Tool Rooms with
Training Centres led to the
dawn of a new era in the field
of tooling and co-related
activities in India. Today
these Tool Rooms are highly
proficient in mould and die
making technology and
promote precision and
quality in the development
and manufacture of
sophisticated moulds, dies
and tools. Each Tool Room
has achieved the apex
position in its respective
region.
The Tool Rooms are
equipped with the state-of-
the-art machinery and
support facilities. All the Tool
Rooms adhere to the
principles of Total Quality Management (TQM). They
are ISO 9001-2000 certified institutions. Some of
them have also gone for ISO 14001 certification.
CTTC, Bhubaneswar has taken initiative towards
better Environmental Management Practices and is
first to obtain ISO 14001 Certification in December
2003.
Initiatives
CTTC, Bhubaneswar has become the pioneer in
having one of the best Total Quality Management
systems and has been benefited from it. It has
progressed steadily and acquired self-sustenance for
its revenue expenditure in the year 2002-03. Looking
at the globalization, and being concerned with the
Global Warming effect and climatic change
conditions, it was felt that the Tool Room should
acquire and establish Environmental Management
system (EMS) certification where its stake holders can
be benefited. MSME Tool Room, Bhubaneswar was
the first MSME Tool Room to decide as voluntarily
initiative to go for EMS practice and certification. It
aimed mainly to spread the message of good
environmental practices through its higher number
of trainees coming out every year with a view to
change human behavior and understanding the
Global Warming causes and its effects.
Environment friendly journey started with
formation of EMS Policy in January 2003 followed
by document audit in April 2003 and assessment
audit in the month of June 2003. The final audit
was conducted by NQA Quality Systems Registrar
in December 2003 and CTTC obtained certificate
on December 31, 2003. CTTC is the first Tool Room
in India to have acquired ISO 14001 and one
amongst the less than 10 organizations in the entire
State of Orissa to have obtained this prestigious
recognition. This helped CTTC trainees tremendously
in spreading the awareness and concern for Global
warming and increased their employability.
Key Aspects of EMS at CTTC, Bhubaneswar
As a Corporate Social Responsibility (CSR), to
firmly believes in spreading the importance of
environmental protection and Environmental
R.K. Rai
Director (Tool Room)
Office of the
Development
Commissioner (MSME)
Government of India
Nirman Bhavan
New Delhi-110108
S. Maity
General Manager
(CTTC, Bhubaneswar)
S.K. Kar
Sr. Manager (M&C) & HOD
(Quality, Environment &
Safety)
(CTTC, Bhubaneswar)
Laghu Udyog Samachar26
ARTICLE
Management System along with Quality
Management System in the industries and also
in the society through hundred’s of trainees
passing out every year.
To take voluntary initiatives in order to work
environmental friendly.
To make habit of good work culture on
environment management by integrating with
ISO 9001:2008, AS 9100, & OHSAS-
18001Managemnt System practices throughout
the organization.
To understand and educate all the employees
and trainees on commonly applicable
environmental laws.
To understand the importance of natural
resources and conserve it.
To understand and identify the consumption
level of resources and taking necessary efforts to
avoid wastage.
To have a structured, systematic, documented
approach towards Environmental performance.
To comply with EMS Regulatory/ legislative
Requirements.
To have an institutionalized preventive strategy.
To create the awareness of EMS and QMS
amongst Small Scale Industries in the region
through offering various training programmes
and Consultancy Services to the interested units.
Steps Undertaken/Involved in Achieving ISO-14001
Certification
• Constitution of steering committee and EMS cell
in order to provide a driving force to the thoughts
of Environmental Management System in line with
CTTC’s activities.
• A complete initial Environmental Review by EMS
cell to assess the views of employees, trainees and
other stakeholders.
• Involving and educating all the stakeholders of
CTTC including employees, contractors, suppliers,
and trainees through organising workshops and
seminars.
• Interaction with State Pollution Control Board and
other regulatory Bodies.
• Rigorous awareness Campaigns and Training
Programmes for all the employees of CTTC as per
the requirement.
• Built up in-house expertise to understand and
implement ISO 14000 standards requirements.
• Stake holders survey/feed back collection on the
issues related to EMS.
• Initial Environmental Review and checking various
quality aspects of water, air, noise (level) inside
the CTTC by thorough inspection/audit.
• Aspect and Impact Analysis.
• Involving employees while preparing EMS Manual
and Operational Procedures and bridging the gap
between actual practices and System
requirements.
• Formation of Environmental Programme
Management groups on :
(a) Water Conservation, (b) Energy Conservation
(c) Reduction of Plastic Consumption and
management, (d) Paper consumption and
management, (e) Ambient Air Quality and Noise
level Monitoring and management and (f)
Emergency preparedness programme and safety
aspects.
• Quality and Environmental Management sessions
have exclusively been conducted for all the
trainees during the Induction stage.
• Key measures undertaken are :
(i) Pollution Checking of vehicles of all the
employees and trainees, (ii) 10 nos. of Water
harvesting projects, (iii) Prohibition of non-
recyclable plastic items and (iv) Energy
conservation measures such as replacement of
fluorescent tubes with CFL, properly sealing the
air conditioned areas, use of solar heaters in
hostels, etc.
Achievements
1. Recorded about 21% less Energy consumption
during the past 3 years thus saving electricity and
money.
Action Taken
(a) Created and organized awareness programmes
for all stakeholders to make proper use of
electricity.
(b) Replacement of Compact Fluorescent Lamp
(CFL) in lieu of tube lights and other bulbs.
(c) Load factor distribution in Training and
Production proportionately.
(d) Periodical inspection of electrical appliances/
January, 2010 27
ARTICLE
instruments and prevention of electricity loss,
loose connections thus saving electricity.
(e) Conducting periodical energy audit to identify
the areas of power loss and taking preventive /
corrective action.
2. Reduction of Paper consumption by 18% during
the past 3 years.
Action Taken
(a) Formation of a Task force team to conduct
training programmes to employees and trainees
of the Tool Room, emphasizing the need to
minimize its consumption.
(b) Optimum utilization of paper to the extent
possible.
(c) Collection, storage and disposal of waste papers
so as to enable its recycling.
(d) Identifying the high consumption areas and
taking suitable action to minimize its use.
Reduction in water usage and wastage by 10%
Action Taken
(a) Creating awareness among employees and
trainees abut water conservation and its
consumption.
(b) Monitoring water consumption level regularly.
(c) Creation of water harvesting projects inside the
premises.
(d) Regular check ups for possible water leakages
and taking necessary preventive/corrective
measures.
(e) Preparing future action plan for waste water
treatment plant.
(f) Monitoring the quality of water periodically.
3. Reduction in plastic usage inside the premises
Action Taken
(a) Maximum use of biodegradable materials instead
of plastics.
(b) Prohibition on usage of plastic pouches and
polythene bags inside the premises.
(c) Necessary plastic waste and packaging materials
collection arrangement and its disposal through
appropriate agency periodically.
5. Monitoring Air and Noise Pollution levels
Action Taken
(a) Creating awareness about the automobile
pollution (air pollution) to all the stakeholders
and conducting surprise checks for the vehicles
used by employees, trainees, customers and
contractors.
(b) Air quality is monitored periodically.
(c) Restricting the entry of vehicles which do not
possesses valid Pollution Under Control (PUC)
certificate.
(d) Noise levels inside the premises are measured
and monitored. Based upon the significance,
necessary corrective measures are taken and use
of ear plugs made it mandatory in the work areas
exposed to noise.
6. Plantation Programmes / Campaigns:
Action Taken
(a) The employees and trainees do the tree
plantation and its conservation inside the
premises; nearly 400 trees were planted.
(b) Tree plantation and developing awareness about
environment protection by organising campaigns
by CTTC teams at or near by Suburban localities
and schools periodically (every year).
(c) CTTC has organized a plantation programme, in
which about 600 trees were planted bearing all
the expenses and also taken care for their
protection through the help of local schools/
people.
Conclusion
As a good Environmental Management System
practice, CTTC, Bhubaneswar is committed to its
policy and Corporate Social Responsibility within
its capability. It has integrated the management
system practices of Quality, Environment and Safety
in its day-to-day activities. Each trainee undergoes
Quality, Environment and Safety management
training during their induction period itself. The pass
out trainees are getting better employment
opportunities and creating a positive impression in
the minds of their respective employers where they
are serving. The team CTTC has developed a sense
of belongingness and ownership towards the
organization. The voluntary initiative the employees
and trainees take in this direction has tremendous
impact on improving the work culture and
contributes a lot to the organization, stakeholders
and to the society as well. Appreciation has been
received from various corners for the initiatives and
achievements.
MSME Tool Room (CTTC), Bhubaneswar moves
with the following Slogan:
CLEAN CTTC... GREEN CTTC... SAFE CTTC... n
ARTICLE
Laghu Udyog Samachar28
Name of the
Institute
Indo German Tool
Room, Ahmedabad
Plot 5003, Phase-IV,
GIDC, Mehmedabad
Road, vatva,
Ahmedabad-382445
Contact Person :
Shri V.S. Swadia,
GM, IGTR,
Ahmedabad
Contact No. :
Phone No.
079-25840964
Fax No.
079-25841962
MSME–TOOL ROOM,
BHUBANESWAR
B-36, Chandaka
Industrial Area,
Bhubaneswar-751024
Contact Person :
Shri Sibasis Maity,
GM, CTTC,
Bhubaneswar.
Contact No.:
Phone No.
0674-2742100
Fax No.
0674-2743061
Name of the
Programme
Master of CAM &
CNC Technology
(MCCT)
Certificate Course
in Tool
Technology
(CCTT)
Certificate Course
in Advance
Machining
CATIA
PRO-E
AUTO CAD
Industrial
Automation (PLC)
Very Large Scale
Integration(VLSI)
CISCO Certified
Networking
Associate
Duration
6 months
1 ½ Years
1 Year
1 Month
1 Month
1 Month
1 Month
1 Month
4 Months
Intake
25
40
60
20
20
20
60
60
10
Eligibility
Diploma in
Mechanical/
Automobile /
Plastic Engg. /
Tool & Die
Making / I.T.I.
with 2 years
experience.
10th
Pass with
English subject.
ITI Fitter
-Do-
-Do-
-Do-
Diploma/Degree
in Electrical
Diploma/Degree
in Electrical/
Electronics
Any Degree
Commence-
ment Date
19.02.2010
05.02.2010
22.02.2010
01.02.2010
01.02.2010
01.02.2010
01.02.2010
01.02.2010
18.02.2010
TRAINING PROGRAMMES AT MSME-TOOL ROOMS
(To be commenced in February, 2010)
CALENDAR OF EVENTS
January, 2010 29
MSME–Tool Room,
Jalandhar
G.T. Road, Bye Pass,
Jalandhar-144008
Contact Person :
Shri A.K. Bathla,
Principal Director,
CIHT, Jalandhar
Contact No. :
Phone No.
0181-2290225
Fax No.
0181-2290457
Advance
Diploma In
Computer
Hardware &
Network
Management
CNC Milling
Machine
CNC Lathe
Machine
Machinist
Fitter
Electrician
Welder
Carpenter
Auto CAD
CAD/ CAM
Computer
Hardware & Net
Working
P r o g r a m m a b l e
Logic Controller
and its applications
Micro-Controller
Embedded System
and its Applications
P e r s o n a l i t y
Development
Chemical Analysis
of Iron & Steel
Measurement &
Calibration
Heat-Treater
Forger & Press
Operator
60
25
25
25
10
10
10
25
10
30
25
25
25
20
10
10
10
10
Any Degree
ITI
ITI
ITI
8th
/ 10th
/ 12th
/ ITI/
Diploma
8th
/ 10th
/ 12th
/ ITI/
Diploma
8th
/ 10th
/ 12th
/ ITI/
Diploma
ITI
ITI/ Diploma/ Degree
Engg.
ITI/ Diploma/ Degree
Engg.
10th
/ 12th
/ ITI/
Diploma/ Degree
10th
/ 12th
/ ITI/
Diploma/ Degree
10th
/ 12th
/ ITI/
Diploma/ Degree
10th
/ 12th
/ ITI/
Diploma/ Degree
B.Sc. Degree/
Diploma/ ITI/ 12th
/
10th
B.Sc. Degree/
Diploma/ ITI/ 12th
/
10th
B.Sc. Degree/
Diploma/ ITI/ 12th
/
10th
B.Sc. Degree/
Diploma/ ITI/ 12th
/
10th
/ 8th
15.02.2010
1st
Feb. 2010
1st
Feb. 2010
1st
Feb. 2010
1st
Feb. 2010
1st
Feb. 2010
1st
Feb. 2010
1st
Feb. 2010
1st
Feb. 2010
1st
Feb. 2010
1st
Feb. 2010
1st
Feb. 2010
1st
Feb. 2010
1st
Feb. 2010
1st
Feb. 2010
1st
Feb. 2010
1st
Feb. 2010
1st
Feb. 2010
6 Months
03 Months
03 Months
06 Months
06 Months
06 Months
06 Months
06 Months
60 Hours
120 Hours
04 Weeks
04 Weeks
04 Weeks
04 Weeks
04 Weeks
04 Months
03 Months
03 Months
CALENDAR OF EVENTS
Laghu Udyog Samachar30
The Minister for MSME, Shri Dinsha Patel
attended the Rashtriya Hastshilp Mahotsav 2010
organised by Jharkhand Khadi and Gramodyog
Board at Jamshedpur.
Speaking on the occasion the Minister
complimented the organizors for organizing such a
good Mela and distributed prizes to the Stalls as well
as to the Weavers and workers of this sector. He
desired that such exhibitions and Melas should be
organized in other States also.
In a meeting with the Senior State Government
officials in the presence of Lead Bank and other
participating Banks, the Minister
emphasized the need for the Banks, KVIC
and DIC to become pro-active and ensure
that the targets of PMEGP are achieved
during the current financial year and the
margin money subsidy is released. He
also directed the State Government
officials to ensure that District Level Task
Force Committee forwards sufficient
number of PMEGP applications to the
Banks for the final approval of the projects
of the beneficiaries.
The meeting was also attended by the
Secretary, MSME, Shri Dinesh Rai.
NEWS
The Minister also visited the Indo Danish Tool
Room, Jamshedpur to review the progress of the
training programme of the Tool Room. He desired
that as per the stipulation of the programme, at least
30% of the beneficiaries should be from amongst
the women.
Shri Dinsha Patel met the Governor, Shri K
Sankaranarayanan and the Chief Minister, Shri Shibu
Soren and discussed important issues concerning
Jharkhand State & MSME Ministry. n
Dinsha Patel
emphasizes the
need for Banks,
KVIC and DIC to
become pro-active
January, 2010 31
In spite of contributing more than 40% to India's
total exports, why do only less than half a per cent
of SMEs are engaged in direct exports? According to
studies conducted under UNCTAD led project in
India, one of the major external barriers in SMEs'
efforts to exporting is found to be payment related
risk.
To address the problem, a Handbook for Indian
SMEs on 'Managing Risks & Securing Payments in
Exports' has been released by Shri Madhav Lal,
Development Commissioner of MSMEs in New Delhi
on 22nd
Dec., 2009. The Handbook has been
published by Federation of Indian Micro and Small
& Medium Enterprises (FISME) under project
Strategies and Preparedness for Trade and
Globalization in India which is being implemented
jointly by Ministry of Commerce and Industry,
UNCTAD (India) and DFID (UK).
The Handbook attempts to address the
information failure in three major areas : Credit
Reports, Export Inspections and Debt Collection. It
provides for the first time a detailed directory of
agencies that SMEs can approach for these three
specific requirements. The Handbook begins with
description of various payment instruments used in
international trade such as advance payments,
documentary collections and letters of credits (LCs).
It provides valuable tips and highlights precautions
in using various payment instruments especially the
LCs. Secondly, it explains what does a Buyer's Credit
Report contain and how as SME could take advantage
Handbook for SMEs for Managing Export Payment Risk Released
NEWS
Laghu Udyog Samachar32
of it before making shipment. The Handbook also
provides lists of india based companies as well as
country specific providers of such reports. Thirdly, it
explains the concept of the Export Credit Insurance.
It also enlists major Export Credit Insurance providers
in India. Finally, it explains as to what should be
done in case an export credit turns into bad-debt. A
detailed global list of debt collection agencies
(including those based in India) has been compiled
and provided in handbook. The entire handbook is
divided into two sections. Section one contains the
explanatory notes on the three issues—Credit
Reports, Export Inspections and Debt Collection
and Section two houses the data bases of companies
and service providers corresponding to the three
issues. n
National Conference on Financing Mechanism for Energy Efficiency Improvement in SMEs
Shri Abhay Bakre, Joint Development Commissioner, MSME,Government of India delivering his topic on Energy Efficiency inthe Indian National Manufacturing Competitiveness Programme.
Address was delivered by Shri G.B.Pradhan,
Additional Secretary, Ministry of Power, Government
of India.
The Bureau of Energy Efficiency (BEE) and
UNIDO jointly organized the ‘National Conference
on Financing Mechanism for Energy Efficiency
Improvement in SMEs’ on 18-19 November, 2009
in New Delhi. The conference focused on current
energy performance, potential for energy
conservation, possibilities of using renewable energy
and various financing instruments available for
improving energy efficiency in Indian SMEs.
The conference was inaugurated by Shri Dinesh
Rai, Secretary (MSME), Government of India who was
the Chief Guest. After the traditional lighting of Lamp,
the welcome address was delivered by Dr. Ajay
Mathur, Director General, Bureau of Energy
Efficiency (BEE). The audience was also addressed
by Mr. Philippe Scholtes, Representative & Regional
Director for South Asia, United Nations Industrial
Development Organisation (UNIDO). The Special
ASSAM
Programme on Fashion Design &
Tailoring at Pokhiazar
EVENTS
at Chitralekha Baukata Samanway Sammeeti Hall,
Teleria on December 4, 2009.
While delivering her valedictory address the chief
guest Smt. Tiloprabha Saikia, President of Chitralekha
BauKata S. Sameeti, Teleria advised the trainees that
the district has all possible resources and
infrastructure to set up the business enterprises. n
Programme on Beautician at
Tezpur
Branch MSME-DI, Tezpur conducted six week
entrepreneurship skill development programme on
Fashion Design and Tailoring from 26-10-09 to 04-
12-09 at Pokhiazar.
The objective of the course was to train the
participants to set up their own enterprise in the field
of fashion/readymade garments.
The chief guest of the valedictory function was
Shri Tulsi Borah, President Gaon Panchayat. The
Chief Guest advised the trainees that the district has
all possible resources and infrastructure to set up the
business entreprises. He further appreciated the efforts
made by Br. MSME-DI, Tezpur in the direction of
imparting training to the unemployed youth. The Chief
Guest at the valedictory function also distributed the
certificates to the successful trainees. n
Programme on Fashion Design &
Tailoring at Teleria
Branch MSME-DI, Tezpur conducted six week
entrepreneurship skill development programme on
fashion design and tailoring from26-10-09 to 04-12-
09 at Teleria.
The valedictory function of ESDP training
Programme on Fashion Design & Tailoring was held
Branch MSME-DI, Tezpur conducted six week
entrepreneurship skill development programme
General on Beautician from 26-10-09 to 04-12-09
at Tezpur.
The objective of the course was to train the
women participants to set up their own enterprise in
this field. The ESDP training programme covered with
practical training on beautician like skin care, facial,
Shri Kamal Borah Manager CEC, Tezpur, Shri N.N. Eastalkar, A.D.(IMT) Br, MSME-DI, Tezpur, Shri Tulsi Borah, President GaonPanchyat, Shri S.L. N.Kumar, A.D.(G/C), Br. MSME-DI Tezpur andSmt Khentamoni Gowala, Social Worker.
View of Trainees of ESDP on Fashion Design & Tailoring, Teleria
Smt. Malbika Muzumdar, Training Faculty, Shri N.N. Estalkar, A.D.(IMT), Br. MSME-DI, Tezpur and Shri S.L.N. Kumar, A.D.(G/C),Br. MSME-DI, Tezpur.
January, 2010 33
threading, different hair styles, lip care, hair, feet,
nail care, art of make up, body odour, massage,
henna & herbal beauty therapy etc. and various theory
topics like management, book keeping, accountancy,
working capital, marketing & financing, conflict
management.
The valedictory function of ESDP training
programme on Beautician was held on 04-12-2009.
Shri S.L.N. Kumar AD (G&C), welcomed the
successful candidates of the training and briefed the
training pattern/methods which involved during six
weeks of ESDP training programme on beautician
provided to the trainees of which need to put in their
day-to-day life which is essential to become successful
entrepreneur. Further he advised trainees to make use
of this practical training on beautician for their self-
employment as a skilled resource for ever. n
Programme on Readymade
Garments & Tailoring at Tezpur
of readymade garments like dress material, chudidar,
blouse, petticoat, frocks etc. topics covered to impart
the skill to set up their own enterpirse.
While delivering his valedictory address the chief
guest Shri Barkakoti, Project Manager, DICC,
Sonitpur (Distt.) advised the trainees that the district
has all possible resources and infrastructure to set
up the business enterprises. He also suggested to
make use of gained practical knowledge shall put
use in a form of setting up new enterprising unit in
the readymade garments. He enlightened the schemes/
facilities rendered by DICC and advised trainees to file
E.Ms to avail the benefits from state govt. n
Intensive Motivation Campaign
at Bindukuri
EVENTS
Shri S.L.N. Kumar, A.D.(G/C), Br. MSME-DI, Tezpur, Shri BarkakotiProject Manager, DICC, Sonitpur Shri N.N. Estalkar, A.D.(IMT)Br. MSME-DI, Tezpur and Smt. Meena Choudary, Training Faculty.
IMC at Bindukuri.
Branch MSME-DI, Tezpur conducted one day
intensive motivation campaign on November 19, 2009
at Bindukuri. Shri Bimal Bardoloi, Asstt. Manager,
DICC, Tezpur, chief guest of the programme during
his speech explained about various schemes,
procedures and the document formalities for getting
the assistance from DICC and briefed the subsidies
and incentives offered by their organization in
promoting industries.
In her address Smt. Tiloprabha Saikia, Vice
President of Gaon Panchyat, advised participants to
put their gained information of this campaign that
can easily make them to choose their proposed activity
in the list which has been distributed during campaign
and furthur any information can seek during technical
counseling which follows in the campaign. n
Branch MSME-DI, Tezpur conducted six week
entrepreneurship skill development programme
(General) on Readymade Garments and Tailoring
from 3-11-09 to 14-12-09 at Tezpur.
The objective of the course was to train the
participants to set up their own Micro, Small &
Medium enterprises in the field of Readymade
garments. A total (24) prospective women
entrepreneurs underwent the training programme.
The methodology of ESDP training was lecture-cum-
practical oriented training & demonstration, mainly
Laghu Udyog Samachar34
Shri Kamal Borah, Director, CEC Tezpur,
suggested participants to prepare preliminary
market survey for the preparation of project report
which successful entrepreneur has to do during
his/her course of action on setting up their own
enterprise. n
Intensive Motivation Campaign
at ITI, Tezpur, Sonitpur
IMPHAL
Entrepreneurship Development
Programme at Moidangpok,
Imphal West
Branch, MSME-DI, conducted one day
awareness programme-Intensive Motivation
Campaign on 20 November, 2009 at Tezpur
Industrial Training Institute, Tezpur, Sonitpur.
Representatives of DICC, Tezpur Shri Bimal
Bordoloi, Asstt. Manager, DICC, Tezpur detailed the
participants about various schemes which are
available for setting up MSME units and the
procedures and formalities for getting the assistance
from various agencies like financial corporation,
Khadi & Village Commission/Board, Assam Financial
Corporation, Banks etc.
Shri N.K. Mahanta, Adviser, Industrial Training
Institute, Tezpur, explained the various schemes
available through the department and motivated the
participants to come and avail the benefits of this
sector. He also suggested them to survey the market
prospects of various local products and to adopt
production of such items. He also appreciated to Br.
MSME-DI, Tezpur to conduct such type of programmes
which are very useful to ITIs Students. n
Entrepreneurship Development Programme was
held from 03-11-09 to 19-11-2009 at Moidangpok
Community Sanglen, Imphal west. Total 30 women
of backward caste, schedule tribe attended the
programme. The programme was inaugurated by Smt
L. Chaobi Devi, Jilla Parishad, Moidamgpok in
presence of Shri S. Ashok Singh EO, CBWE, Imphal,
Shri Th. Gambhir Singh, Pradhan, as a Guest of
honour. The main objective of the programme was
to motivate the educated unemployed youth to start
their own venture and to make awareness about
existing several promotional agencies and various
concessional, facilities available within the state &
also to take up small and micro venture for their
livelihood and create opportunity for others.
On 19th November, 2009 the valedictory day
Chief Guest, Shri Dr. S. Budhichandra Singh, Hon'ble
Speaker, Legislative Assembly, Manipur, distributed
the certificates to participants and encouraged them
to make use of this training knowledge in a corrective
form, start small business. Shri J.C. Pandey, Director
MSME-DI, Imphal in his Presidential address advised
the participants that receiving a certificate is not the
end of training, but it is the beginning of their
activities to start a venture so that training will be
able to bring a successful entrepreneur. n
Shri P.D. Sonowal, Shri S.L.N. Kumar, Shri H. Baruah (Chief Guest)Shri N.N. Estolkar, Shri B. Bordoloi, Smt. Mina Choudhury andShri N.K. Mahanta.
Shri Dr. S. Budhichandra Hon’ble Speaker, Legislative Assembly,Manipur delevering Valedictory Address on the occasion of EDPon 19 November, 2009
January, 2010 35
EVENTS
Programme for Weaker
Sections at Imphal East
MSME-DI, Takyelpat Imphal in association with
Environment & Economic Management Association,
Keishampat Junction, Imphal West organized three
weeks entpreneurship development programme
exclusively for weaker sections (SC/ST/WOMEN)
with stipend at Keikhu Youth Club, Keikhu, Imphal
East from 9th to 29th October, 2009.
Shri Peiga Palmei, Advisor Keikhu Youth Club
Keikhu, Imphal East graced the Inaugural Function
as Chief Guest on 09th October, 2009. Smt. S.
Radhepyari Devi, Gen. Secretary, EEMA,
Keishampat, Imphal, West graced the occasion as
Guest of Honour. Shri J.C. Pandey, Director MSME-
DI-Imphal presided over the Inaugural Function. n
HYDERABAD
Training Programme on
Packaging for Exports at
Hyderabad
Progressive Packaging Pvt. Ltd., Hyderabad, Shri D.
Chandra Sekhar, Director, MSME-DI, Hyderabad,
Shri B.K. Karna, Dy. Director (Regional Head), Indian
Institute of Packaging, Hyderabad, Shri K.C.
Choudhury, Asstt. Director (L&F), MSME-DI,
Hyderabad apart from other faculty members of IIP,
Hyderabad.
In his inaugural address, Shri S.S. Raju
explained his success story in packaging sector
and highlighted the importance of packaging in
domestic and export marketing of the products and
said that the packaging is integral part of marketing
efforts of the products. n
Programme on Domestic &
Export Marketing for Jute
Entrepreneurs
EVENTS
Shri D. Chandrasekhar, Director, MSME-DI, Hyderabad addressingthe participants on the valedictory function.
Shri B.K. Karna, Dy. Director, IIP explaining the testing techniquesof packaging materials during his visit on 10 December, 2009.
Three day training programme on ‘Packaging for
Exports’ was organized by MSME-DI, Hyderabad
during 09-12-09 to 11-12-09 in association with
Indian Institute of Packaging, Hyderabad.
The inaugural session was attended by Shri S.S.
Raju, Chairman & Managing Director of M/s
MSME-DI, Hyderabad, organized a 5-day training
programme on ‘Domestic & Export Marketing for Jute
Entrepreneurs of A.P.’ from 12-10-09 to 16-10-09 at
Hyderabad. The programme was sponsored by the
Jute Manufacturers Development Council (JMDC),
Ministry of Textiles, Govt. of India, Hyderabad. The
target group represented from all over Andhra
Pradesh from various districts viz., Vizianagaram, East
Godavari, Warangal, Rangareddy, Hyderabad etc.
In his inaugural address, Dr. Sudhakar, Director
(News), Doordarshan, urged the participants to take
maximum advantage of the training programmes
being conducted by MSME-DI and JMDC. n
Laghu Udyog Samachar36
MEDIA : NEWS & VIEWS
January, 2010 37
MEDIA : NEWS & VIEWS
Laghu Udyog Samachar38
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laHkkouk;sa gSa % fctsUÊ izlkn ;kno
fo'ks"k lkkkRdkj
fcgkj izxfr ds iFk ij vxzlj gSA jkT; ds pgqaeq[kh fodkl ds fy, fcgkj ljdkj vkSj dsUÊ ljdkj
iz;Ru'khy gSaA >kj[k.M ds vyx jkT; cuus ds ckn fcgkj vius fo'kky vkS|ksfxd ks= ls oafpr gks pqdk
gSA ,slh fLFkfr esa œf"k ds ckn lwe] y?kq vkSj e/;e m|e (,e,l,ebZ) ks= gh vkfFkZd fodkl dk og
lqxe ekxZ gS] tks ixMafM;ksa ds izkar dks ns'k ds ^us'kuy gkbos* ls 'kh?kzkfr'kh?kz tksM+ ldrk gSA
jkT; esa ,e,l,ebZ ds fodkl ds fy, nks ,e,l,ebZ& fodkl laLFkku gSaµ,d jkt/kkuh iVuk ds
ikVfyiq= vkS|ksfxd izkax.k esa vkSj ,d mŸkj fcgkj ds O;olk;h 'kgj eqt∂Qjiqj ds xkS'kkyk jksM
esaA Hkkjr ljdkj ds ;s nksuksa laLFkku xaxk unh ds nksuksa fdukjksa dh vksj jps&cls xkaoksa] dLcksa] 'kgjksa
esa izR;sd bPNqd ukxfjd dks m|eh cuus vkSj Lo&jkstxkj yxkus dk lans'k nsrs gSa rFkk fofHkUu izdkj
dk ekxZn'kZu&izf'kk.k nsrs gSaA dsUÊ ljdkj ds fodkl vk;qDr (,e,l,ebZ) dk;kZy; ds ;s nksuksa
izeq[k m|e laLFkku izns'k esa jkT; ljdkj ds m|ksx foHkkx rFkk jkT; dh vU; ljdkjh&xSjljdkjh
,tasfl;ksa ds lkFk feydj Hkh vusd ;kstukvksa dk dk;kZUo;u dj jgs gSaA jkT; esa ,e,l,ebZ ds
fodkl ds fy, jkT; ljdkj vius Lrj ls Hkh dbZ ;kstuk,a pyk jgh gSA fiNys fnuksa blh flyflys
esa fcgkj ljdkj ds ekuuh; m|ksx ea=h Jh fctsUÊ izlkn ;kno ls iVuk esa y?kq m|ksx lekpkj ds laiknd
gjsUÊ izrki us ckrphr dhA izLrqr gSa bl ckrphr ds izeq[k va'k%
iz'u % QwM izkslsflax lsDVj esa fo'ks"k :i ls ,e,l,ebZ
ds fodkl ds fy, vkidh ljdkj dkSu&dkSu ls
mik; dj jgh gS\
mŸkj % vlhe laHkkouk gS fcgkj esaA vf/kd ls vf/kd
fuos'kd ;gka vk;sa vkSj fdlkuksa&mRikndksa dks mfpr
Jh fctsUÊ izlkn ;kno] m|ksx ea=h] fcgkj
39tuojh] 2010
fo'ks"k lkkkRdkj
ewY; feys] ge ;gh pkgrs gSaA blds fy, ge ns'k ds
dksus&dksus esa izpkj dj jgs gSa] jksM&'kks dj jgs gSa]
fcgkj ds cnyrs&lq/kjrs ekgkSy dh ;kn fnyk jgs gSa]
yksxksa esa fo'okl iSnk dj jgs gSaA jkT; ds œf"k
vkËkkfjr m|ksx] jlk;u m|ksx] bathfu;fjax m|ksx]
ydM+h ls tqM+s m|ksx] IykfLVd vk/kkfjr m|ksx]
gLrf'kYi m|ksx] [kknh m|ksx] rlj flYd m|ksx
bR;kfn ds ckjs esa crk jgs gSa vkSj jkT; ds csjkstxkj
;qokvksa ls Lo&jkstxkj dks viukus dk vkxzg djus ds
lkFk lhfer le; esa ge gj laHko mik; dj jgs gSaA
iz'u % jkT; esa m|e ds okrkoj.k dk nk;jk rsth ls
fdl rjg ls c<+k;k tk ldrk gS\
mŸkj % fiNys pkj o"kks± ls jkT; esa vkS|ksfxd ekgkSy cu jgk
gSA blesa rsth ykbZ tk ldrh gS NksVs&NksVs m|ksxksa ds
fy, cSad Ω.k dk nk;jk c<+k dj vkSj Ω.k vnk;xh
dh iz.kkyh dks vklku
cukdjA blds fy,
^cSafdax flLVe* esa
lq/kkj dh vko';drk
gSA ckdh] m|ksxksa ds
DyLVj ds fodkl ij
/;ku fn, tkus dh
vko';drk gSA geus
fd'kuxat] Bkdqjxat
esa pk; vk/kkfjr m|e
ij /;ku fn;k gSA
jkT; ds ukxfjdk s a
fo'ks"kdj ;qokvksa ds vanj m|eh dh izœfr dks txkus
dh vko';drk gSA m|e ds fy, ba›kLV™Dpj* igys
ls csgrj gqvk gS] ysfdu bl vksj vHkh cgqr dqN
fd;k tkuk gSA
iz'u % dsUÊ ljdkj vkSj blds ,e,l,ebZ ea=ky; ls vkidks
vkSj fdl izdkj ds lg;ksx dh viskk gS\
mŸkj % ,e,l,ebZ ea=ky; dks fcgkj tSls jkT;ksa dks /;ku
esa j[kdj Hkh uhfr;ka cukuh pkfg,A QwM izkslsflax*
ij fo'ks"k /;ku fn, tkus dh t:jr gSA fiNM+s
jkT;ksa ds fgrksa ds en~nsutj m|e dh ^vk/kqfud
uhfr* cuk;s tkus dh vko';drk gSA bl fn'kk esa]
fofHkUu izdkj ds dj&izko/kku esa
NwV nh tkuh pkfg,A
vkt dk ;qx ^baDywflo xzksFk* dk
gSA ,sls esa] fcgkj tSls jkT; dks
fodkl dh eq[; /kkjk esa ykus ds
fy, dsUÊ ljdkj dks Hkh fo'ks"k
iz;kl djus dh vko';drk gSA
fcgkj dks fo'ks"k jkT; dk ntkZ rks
feyuk gh pkfg,] lkFk gh bls
vkS|ksfxd :i ls fiNM+k jkT;
rqjUr ?kksf"kr fd;k tkuk pkfg,A
dq'ky ekuo lalk/ku gekjh cgqr
cM+h rkdr gS] t:jr gS lgh fn'kk esa blds okLrfod
bLrseky dhA dSewj ls ysdj dfVgkj&fd'kuxat
rd vkSj njHkaxk ls ysdj Hkkxyiqj&lkgscxat rd
fcgkj esa m|e dh] fo'ks"kdj lwe] y?kq vkSj e/;e
m|e dh cgqvk;keh laHkkouk;sa gSA t:jr gS mUgsa
le; ij rjk'kus dhA pkgs og eËkqcuh isafVaXl ;k
lqtuh vkVZ gks vFkok iRFkjdVh dh f'kYidykA
m|eh dh laHkkouk gj ks=] gj ftys esa ;gka miyCËk
gSA n
ck,a ls Jh fctsUÊ izlkn ;kno] m|ksx ea=h] fcgkj] Jh uhrh'k dqekj] eq[;ea=h]
fcgkj vkSj Jh ,-ds- flUgk] iz/kku lfpo] m|ksx] fcgkj ljdkjA
vkt dk ;qx ^baDywflo xzksFk* dk gSA ,sls
esa] fcgkj tSls jkT; dks fodkl dh eq[; Ëkkjk
esa ykus ds fy, dsUÊ ljdkj dks Hkh fo'ks"k
iz;kl djus dh vko';drk gSA fcgkj dks
fo'ks"k jkT; dk ntkZ rks feyuk gh pkfg,]
lkFk gh bls vkS|ksfxd :i ls fiNM+k jkT;
rqjUr ?kksf"kr fd;k tkuk pkfg,A dq'ky ekuo
lalk/ku gekjh cgqr cM+h rkdr gS] t:jr gS
lgh fn'kk esa blds okLrfod bLrseky dhA
40 y?kq m|ksx lekpkj
viuk gkFk txUukFkfo'ks"k lkkkRdkj
LoPN fodkl dk;Ziºfr (lhMh,e) D;ksVks izksVksdkWy
dk ifj.kke gS] tks fd 16 Qjojh] 2005 ls izHkkoh gqvkA mDr
izksVksdkWy eq[;r% fuEufyf[kr Ng xzhugkml xSlksa esa deh
djus ls lacaf/kr gS%
1- dkcZu MkbZvkWDlkbM
2- ehFksu
3- ukbV™l vkWDlkbM
4- ij∂yksjks dkcZUl
5- gkbM™ks∂yksjks dkcZUl
6- lYQj gSDlk∂yksjkbM
D;ksVks dk;Ziºfr
mDr izksVksdkWy ds vUrxZr rhu uoksUes"kh dk;Ziºfr;ka
rS;kj dh xbZ gSaµla;qDr dk;kZUo;u (tsvkbZ)] varjjk"V™h;
mRltZu O;kikj (vkbZbZVh) rFkk LoPN fodkl dk;Ziºfr
(lhMh,e)A igyh nks dk;Ziºfr;ka vFkkZr~ tsvkbZ rFkk vkbZbZVh
fodflr ns'kksa ls vf/kd lacaf/kr gSa] tcfd lhMh,e Hkkjr
tSls fodkl'khy ns'kksa ls lacaf/kr gSA
lhMh,e rFkk dkcZu ÿsfMV & y?kq ,oa e/;e m|eksa gsrq ,d voyksdu
LoPN fodkl dk;Ziºfr
mÌs';
lhMh,e fodkl'khy ns'kksa esa ifj;kstuk vk/kkfjr mRltZu
U;wuhdj.k xfrfof/k ds :i esa D;ksVks izksVksdkWy ds vuqPNsn
12 ds vUrxZr LFkkfir ,d dk;Ziºfr gSA lhMh,e rS;kj
djus ds nks eq[; mÌs'; gSa%
1- vuqPNsn&3 ds vUrxZr fodflr ns'kksa ds ikdkjksa dks
U;wuhdj.k izfrcºrkvksa ds rgr ek=kRed mRltZu lhek
ds vuqikyu djus esa enn djukA
2- fVdk≈ fodkl gkfly djus esa fodkl'khy ns'k ds
ikdkjksa dh enn djuk vkSj bl izdkj mDr izksVksdkWy
ds vfUre mÌs';ksa dh izkfIr esa ;ksxnku djukA
izR;sd lhMh,e xfrfof/k ifj;kstuk dks mDr nksgjs mÌs';ksa
dh iwfrZ djuh pkfg,A
lhMh,e ifj;kstuk pÿ
lhMh,e ds dk;kZUo;u ls varr% izekf.kr mRltZu
U;wuhdj.k gksxk] ftUgsa dkcZu ÿsfMV Hkh dgk tkrk gSA mDr
ifj;kstuk
Lokeh
ifj;kstuk
Lokeh
Mh,u,
lhMh,e
dk;Zikyd cksMZ
ifjpkyu bdkbZ
ifj;kstuk vfHkdYi nLrkost
ifj;kstuk fopkj
vk;kstd ns'k dk vuqeksnu
vk/kkj js[kk izfof/k vuqeksnu
oSËkhdj.k
iathdj.k
mRltZu U;wuhdj.k dh
fuxjkuh*
mRltZu U;wuhdj.k dk
lR;kiu vkSj izek.ku**
lhbZvkj
lhMh,e
dk;Zikyd cksMZ
ifj;kstuk
Lokeh
ifjpkyu
bdkbZ
lhMh,e
dk;Zikyd cksMZ
*ÿsfMfVax le; esa vkof/kd :i ls
**tc rd vuqeksfnr izfof/k bLrseky ugha dh tkrhA
lhMh,e ifj;kstuk pÿ
Qhpj
41tuojh] 2010
Qhpj
dk;kZUo;u gsrq izR;sd ifj;kstuk dks lhMh,e ifj;kstuk pÿ
dk vuqlj.k djuk iM+rk gSA
ifj;kstuk vfHkdYi nLrkost (ihMhMh) ,d rduhdh
fjiksVZ gSA ;g ml mRltZu dks Li"V djrh gS] tks gks pqdk gS
vFkok ftldh lhMh,e ifj;kstuk xfrfof/k ls ifjdYiuk
dh xbZ gSA ;g lHkh tksf[ke/kkjdksa] Hkkjr ljdkj] oSËkdŸkkZ
rFkk lhMh,e bZch ds fy, lanHkZ nLrkost gSA
lhbZvkj gkfly djus ds fy, laO;ogkj ykxr
lhMh,e dk;kZUo;u dh laO;ogkj ykxr esa lkekU;r%
fuEufyf[kr ls lacaf/kr ykxr 'kkfey gksrh gS%
l lhMh,e ifj;kstuk,a fodflr djus ds fy, ijke'kZnkrk
l oSËkhdj.k vkSj lR;kiu gsrq ukfer ifjpkyu fudk; dh
lsok,a ysuk
l lhMh,e bZch esa ifj;kstuk dk iathdj.k
lhMh,e ykxr ds vykok 2 izfr'kr lhbZvkj vuqdwyu
fufËk gsrq lhMh,e bZch kjk dkV fy, tk,axsA
mRltZu O;kikj@dkcZu O;kikj
tyok;q ifjorZu laca/kh la;qDr jk"V™ ›seodZ dUosa'ku
(;wu,u,Qlhlhlh) ds vUrxZr fodflr ns'kksa dks vius
mRltZu y; iwjs djus ds fy, O;kikj iºfr ds iz;ksx dh
vuqefr nh xbZ gSA
mRltZu O;kikj ,d lkekU; 'kCn gS] tks fd D;ksVks izksVksdkWy
dh 3 yphyh dk;Ziºfr;ksa ds fy, iz;qDr gksrk gSA ;g ,d
cktkj vk/kkfjr iºfr gS] ftlls izfr"Bkuksa dks i;kZoj.k lacaËkh
fu/kkZfjr y;ksa dh izkfIr ds fy, fdQk;rh lek/kku pquus dk
yphykiu gkfly gksrk gSA mRltZu O;kikj ns'kks a rFkk
vyx&vyx daifu;ksa ds fy, dkcZu ÿsfMV~l dk ÿ;&foÿ;
laHko gksxk] tks fd gfjr x`g xSlksa ds mRltZu Lrj dks de
djus okyh xfrfof/k;ksa ls vftZr gksrs gSaA
vk/kkj js[kk,a vkSj eki
fdlh ifj;kstuk kjk ykbZ xbZ mRltZu deh dh ek=k
vFkok izfrdj.k dh x.kuk fofHkUu rjhdksa ls gks ldrh gS] tks
fd ifj;kstuk ds izdkj] ifj;kstuk dh vofLFkfr vkSj laO;ogkj
ds mÌs'; ij vkËkkfjr gksrk gSA lkekU; n`f"Vdks.k ;g gS fd
ifj;kstuk ds fcuk vkSj ifj;kstuk ds ckn gksus okys gfjr xSl
mRltZuksa dh ek=k ds varj dh x.kuk dh tk,A ekiu dh
ljyrk ds fy, D;ksVks izksVksdkWy esa fofu;fer lHkh 6 gfjr
x`g xSlksa ds fy, varjjk"V™h; :i ls Lohœr fo'o rkiu
laHkkO;rk (thMCY;wih) fufnZ"V dh xbZ gSA thMCY;wih QSDVjksa
dk iz;ksx dkcZu MkbZvkWDlkbM ls brj lHkh 5 xSlksa dks dkcZu
MkbZvkWDlkbM lerqY; ds Vuksa esa ifjofrZr djus esa fd;k
tkrk gS] tks fd O;kikj gsrq ekud bdkbZ gSA
dkcZu cktkj
dkcZu ÿsfMV dk O;kikj ;wds ds CO2e ,Dlpsat ;wjksi
ds lhMh,e ,Dlpsat rFkk f'kdkxks DykbesV ,Dlpsat esa fd;k
tkrk gS] ftlus mRltZu dk O;kikj oLrq ds :i esa djus ds
fy, Hkkjr ds eYVh deksfMVh ,Dlpsat ls ykblsal djkj
fd;k gSA
dkcZu ÿsfMV ewY;
dkcZu ÿsfMV dk orZeku ewY; 8 ls 12 ;wjks izfr dkcZu
MkbZvkWDlkbM Vu ds chp esa gksrk gSA
,f'k;k lhbZvkj dk lcls cM+k mRiknd rFkk vkiwfrZdrkZ
gSA blds ckn ySfVu vesfjdk dk LFkku gSA lhbZvkj dh ek=k
dh n`f"V ls ns[ksa rks blds nks&frgkbZ fgLls dh vkiwfrZ ikap
ns'kksa (Hkkjr] czkthy] phu] baMksusf'k;k rFkk jksekfu;k) kjk
dh tkrh gSA
Hkkjr esa lhMh,e
,d fodkl'khy ns'k gksus ds ukrs Hkkjr izksVksdkWy ds
vuqikyu dh viskkvksa ls eqDr gSA rFkkfi] ;g dkcZu ÿsfMV~l
dks fodflr ns'kksa esa csp ldrk gSA
Hkkjrh; lhMh,e ifj;kstuk us 30 ls vf/kd fofHkUu
vkS|ksfxd ks=ksa dks doj fd;k gSA uohdj.kh; ≈tkZ ls fo|qr
mRiknu] ;Fkkµiufctyh] ok;qtfur fctyh dks bl ks= esa
'kh?kz izos'k dk ykHk feykA gky gh esa ns'k esa ifj;kstuk
fodkl esa vkS|ksfxd izfÿ;kvksa ,oa ck;ksekl ,Iyhds'kuksa esa
42 y?kq m|ksx lekpkj
Qhpj
lhMh,e dh izeq[krk jgh gSA vusd vkS|ksfxd ks=ks a]
tSlsµyqxnh vkSj dkxt us lhMh,e dk ykHk vHkh ugha mBk;k
gSA yksgk vkSj LVhy] b±/ku mRiknu vkSj [kkn tSls ks=ksa ds fy,
egRoiw.kZ volj gSA O;olk; ks= dks u dsoy fodflr ns'kksa
ls uohure izkS|ksfxdh feysxh] cfYd lhMh,e izfÿ;k
viukdj os vfrfjDr foŸkh; ykHk Hkh izkIr djsaxsA
y?kq ,oa eË;e m|eksa esa lhMh,e dh iz;ksT;rk
Hkkjr ds y?kq ,oa eË;e m|e ks= esa dkcZu ÿsfMV ds
mi;ksx dh fo'kky laHkkouk,a gSaA dkcZu ÿsfMV dk l`tu
lhMh,e ds dk;kZUo;u dk ck;&izksMDV gSA dkcZu ÿsfMV ds
l`tu ds fcuk Hkh] lhMh,e ds dk;kZUo;u ls y?kq ,oa eË;e
m|ksxksa dks ykHk gksxk] D;ksafd ≈tkZ nkrk ds QyLo:i b±/ku
miHkksx laca/kh mudh ykxr dkQh de gks tk,xhA dqN ks=
tgka y?kq ,oa e/;e m|e lhMh,e ds tfj, ykHkkfUor gks
ldrs gSa] fuEufyf[kr gSa%
(d) gLr vkStkj
([k) oL=
(x) QkmaM™h rFkk QkWft±x
(?k) LVhy jh&jksfyax
(M+) b±V fuekZ.k
(p) pwuk m|ksx
(N) lsjsfeDl
(t) ck;ksekl lg&mRiknu
(>) ok;q ≈tkZ
(lwph dsoy lkadsfrd gSA)
tSlk fd igys mYys[k
fd;k x;k g S lhMh,e
viukus dk izeq[k mÌs';
gkbM™ksdkWcZu b±/ku ds miHkksx
esa deh ykuk gS] tks fd
xzhugkml xSl mRiUu djrk
g SA ;g deh
?kjsyw@vkS|ksfxd mi;ksxksa esa ≈tkZ nkrk] ≈"ek mi;ksx@≈"ek
ifjogu esa ≈tkZ nkrk ds tfj, gkfly dh tk ldrh gS]
tSlsµdq'ky ok"i iz.kkyh laLFkkfir djds] ok"i fjlko de
djds] thok'e b±Ëku ds LFkku ij ck;ksekl] lkSj ≈tkZ]
ioupDdh rFkk iufctyh tSls uohdj.kh; ≈tkZ lzksrksa dk
bLrseky djdsA
gks ldrk gS fd dksbZ y?kq ,oa e/;e bdkbZ dkcZu ÿsfMV
dk O;kikj djus ds fy, fdQk;rh <ax ls i;kZIr lhbZvkj
mRiUu u dj ik jgh gks] rFkkfi fdlh lewg dh y?kq ,oa
eË;e m|e bdkb;ka ,slh ifj;kstukvksa dk lewgu dj
vkbZ,lVh,l,y tSlh fofHkUu ,tsafl;ksa ds ek/;e ls mudk
O;kikj dj ldrh gSA ;g mudh laO;ogkj ykxr dks Hkh de
djsxkA lewfgr ifj;kstukvksa gsrq laO;ogkj ykxr esa ewyr%
fuEufyf[kr 'kkfey gSa%
l lhMh,e ifj;kstuk pÿ ls lacaf/kr vi›aV ykxr rFkk
lewgu ds laxBukRed igywA
l mRiUu lhbZvkj ds lR;kiu vkSj izek.ku ls lacaf/kr okf"kZd
nSuafnu ykxrA
lQy lewgu lqfu'pr djus ds fy,] y?kq ,oa e/;e
m|e Lis'ky ijit Oghdy (,lihoh) cuk ldrs gSa] tks
ifj;kstuk fodkldrkZ vFkok ifj;kstuk izLrkod ds :i esa
dk;Z dj ldrk gSA
tSlk fd ≈ij n'kkZ;k x;k gS fd tc vusd ,l,ebZ
ÿsrk
cSad@foŸkh;
laLFkk ,Lÿs [kkrk
vkbZ,lVh
,l,y
lewgdrkZ
Ω.k@bfDoVh
fu/kh;u
vkbZ,lVh,l,y
ls djkj
lhbZvkj
dh V™sfMax
lhbZvkj dk
ekSÊhdj.k
,lihoh
,l,ebZ 1
,l,ebZ 2
,l,ebZ 3
y?kq ,oa e/;e m|eksa esa lewgu dk lafkIr vkjs[k
43tuojh] 2010
QhpjQhpj
bdkb;ka lkewfgd :i ls lhMh,e dk;kZfUor djus dk iz;kl
djrh gSa] fuEufyf[kr izfof/k viukbZ tk ldrh gS%
1- ifj;kstuk fodkldŸkkZ (vkbZ,lVh,l,y) ihMhMh rS;kj
djsxk] vk;kstd ns'k dk vuqeksnu izkIr djsxk] vuqeksfnr
bdkb;ksa kjk fd;k x;k oSËkhdj.k izkIr djsxk vkSj varr%
lhMh,e bZch ds ikl ifj;kstuk dks iathœr djsxkA
2- iathdj.k ds ckn] lhbZvkj tkjh djuk lqfuf'pr djus
ds fy, lhbZvkj dh okLrfod la[;k dk lR;kiu
fu;fer vk/kkj ij fd;k tk,xkA
3- lhMh,e dk;kZfUor djus ds fy,] bdkb;ksa dks ifj;kstuk
esa iwath fuos'k djuk gksxkA bls okf.kT; cSadksa@foŸkh;
laLFkkvksa] tSls flMch ls Ω.k izkIr djds fd;k tk
ldrk gSA
4- lhMh,e ifj;kstuk dk fu/kh;u ,dkafrd vk/kkj ij
vkSj ifj;kstuk esa lhbZvkj ds l`tu ij fopkj djus ds
ckn fd;k tk ldrk gSA lhbZvkj dh fcÿh ls izkIr
jktLo bdkbZ ds udn l`tu esa o`fº djsxk vkSj bl
rjg iscSd vof/k esa deh djsxkA
bafM;k ,l,ebZ VsDuksykWth lfoZlst fyfeVsM
(vkbZ,lVh,l,y)
vkbZ,lVh,l,y dh LFkkiuk uoEcj] 2005 esa dh xbZ
FkhA bldk mÌs'; y?kq ,oa e/;e m|eksa dks izkS|ksfxdh gLrkarj.k
gsrq O;kolkf;d lsok,a rFkk lgorhZ lsok,a iznku djuk gS]
rkfd mudh cktkj izfrLi/kkZRedrk esa o`fº gks vkSj lrr
fodkl dks c<+kok feysA
blds flMch] Hkkjrh; LVsV cSad] baM;u cSad] vksfj,UVy
cSad vkWQ dkWelZ] bafM;u vksojlht cSad tSls lqn`<+ bfrgkl
okys tksf[ke/kkjd gSaA bldh bfDoVh iwath 440 yk[k #i,
gSA
vkbZ,lVh,l,y us lhMh,e rFkk dkcZu ÿsfMV ds ks=
ij cy nsus dk fu.kZ; fd;k gS vkSj ,l,ebZ lewgksa esa lfÿ;
:i ls dk;Z djrs gq, tkx:drk vfHk;kuksa rFkk fopkjxksf"B;ksa
dk vk;kstu dj jgk gS] rkfd y?kq ,oa e/;e m|eksa dks
2008&2012 dh vof/k esa dkcZu ÿsfMV cktkj esa miyCËk
voljksa dk ykHk mBkus gsrq ekxZn'kZu izkIr gks ldsA lhbZvkj
O;kikj esa lg;ksx gsrq blus ds,QMCY;w uked teZu fodkl
cSad ls le>kSrk Kkiu fd;k gSA daiuh Hkkjr ds fofHkUu y?kq
,oa e/;e m|e ks=ksa esa ≈tkZ nkrk gsrq lhMh,e xfrfof/k;ksa
ds fy, dk;Zÿe LFkkfir djus ds mÌs'; ls thVhtsM tSlh
cgqikh; laLFkkvksa ds lkFk Hkh dk;Z dj jgh gSA
blds vfrfjDr] vkbZ,lVh,l,y fofHkUu ns'kksa ls miyCËk
izkS|ksfxdh fodYiksa dk MkVkcsl rS;kj djrk gS vkSj miyCËk
djkrk gS vkSj bl izdkj izkS|ksfxdh cSad ds :i esa dk;Z djrk
gSA ;g ns'k vkSj fons'k ds fofHkUu ,l,ebZ lg;ksx fudk;ksa]
vuqla/kku vkSj fodkl laLFkkvksa] izkS|ksfxdh vkiwfrZdŸkkZvksa ls
laidZ@usVodZ LFkkfir djus dh fn'kk esa dk;Z dj jgk gSA
Hkkjrh; y?kq m|ksx fodkl cSad (flMch)
Hkkjrh; y?kq m|ksx fodkl cSad vYi] y?kq ,oa e/;e
m|e ks= gsrq izeq[k foŸkh; laLFkk gSA mDr ks= dh
vko';drkvksa dh iwfrZ gsrq ns'kHkj esa bldh 72 'kk[kk,a gSaA
flMch dh LFkkiuk vizSy] 1990 esa Hkkjrh; laln ds ,d
vf/kfu;e ds varxZr y?kq m|ksx ks= ds m|ksxksa ds laoºZu]
foŸkiks"k.k vkSj fodkl rFkk blh izdkj dh xfrfof/k;ksa esa
layXu vU; laLFkkvksa ds dkedkt esa leUo; gsrq izeq[k foŸkh;
laLFkk ds :i esa dh xbZ FkhA orZeku esa cSad vYi] y?kq ,oa
eË;e m|e ks= dks izR;k vkSj vizR;k] nksuksa izdkj dh
foŸkh; lgk;rk iznku djus esa layXu gS vkSj lkFk gh fodklijd
xfrfof/k;ksa dks Hkh lg;ksx iznku dj jgk gSA
vDlj iwNs tkus okys iz'u
1- lhbZvkj@dkcZu ÿsfMV D;k gS\
lhbZvkj vFkok izekf.kr mRltZu U;wuhdj.k LVkWd 'ks;j
ds izek.ki= dh Hkkafr gh izek.ki= gSA fodkl'khy
ns'kksa dh ifj;kstukvksa dks lhMh,e bZch kjk ,d lhbZvkj
vFkok dkcZu ÿsfMV tkjh fd;k tkrk gS] ftlesa ;g
izekf.kr fd;k tkrk gS fd mUgksaus xzhu gkml xSlksa ds
mRltZu esa 1 Vu dkcZu MkbZvkWDlkbM izfr o"kZ dh deh
44 y?kq m|ksx lekpkj
Qhpj
dh gSA mnkgj.k ds fy, ;fn dksbZ ifj;kstuk thok'e
b±/ku tykus ds ctk; iou'kfDr dk iz;ksx djrs gq,
≈tkZ dk mRiknu djrh gS vkSj izfr o"kZ 60 Vu dkcZu
MkbZvkWDlkbM dh deh djrh gS] rks ;g 60 lhbZvkj dk
nkok dj ldrh gSA
2- xzhu gkml xSlk s a dk oSf'od rkiu laHkkO;rk
(thMCY;wih) D;k gS\
vyx&vyx rhozrk esa oSf'od rkiu dks izHkkfor djus
okyh Ng xzhugkml xSlsa gSaA ;g rhozrk xSl dh oSf'od
rkiu laHkkO;rk ls ekih tkrh gSA ;fn dkcZu
MkbZvkWDlkbM dh thMCY;wih 1 ekuh tk,] rks ehFksu
dh thMCY;wih 21 gS] ftldk vFkZ ;g gS fd ;fn 1 Vu
ehFksu mRlftZr gksrh gS] rks mldk 1 Vu dkcZu
MkbZvkWDlkbM dh rqyuk esa 21 xquk vf/kd xzhugkml
izHkko gksxkA
3- y?kq ,oa e/;e m|e bdkb;ksa dks lhMh,e ls D;k ykHk
gS\
y?kq ,oa e/;e m|e bdkb;ka dks LoPNrk izkS|ksfxfd;ksa
rd igqap gkfly gksxh] ftlls xzhugkml xSlksa ds mRltZu
esa deh gksxh vkSj dkcZu ÿsfMV ds O;kikj ls jktLo
vftZr gksxk] tks fd ,d ekSfÊd izksRlkgu gSA
4- lhbZvkj tkjh djus gsrq ifj;kstuk dks iathœr djkus
dh D;k ykxr vkrh gS\
lhMh,e dk;kZUo;u dh ykxr ds vykok] laO;ogkj
ykxr ds izfr 10 ls 15 yk[k #i, vkSj O;; djus
gksaxsA ;g O;; ihMhMh fodkl] vk;kstd ns'k kjk
ihMhMh ds vuqeksnu] lhMh,e bZch esa oSËkhdj.k vkSj
iathdj.k ls lacaf/kr gSA
5- lhMh,e laca/kh O;; dks olwy djus esa fdruk le;
yxrk gS\
lkekU;r% tgka ifj;kstuk ds vuqlkj lhbZvkj tkjh fd,
tkrs gSa] ogka iscSd vof/k 1 ls 2 o"kZ ds chp gksrh gSA
6- dksbZ ifj;kstuk lhMh,e ds fy, dSls ik= gksrh gS\
ifj;kstuk lhMh,e ykHkksa ds fy, rc ik= gksrh gS] tc
blls xzhugkml xSlksa ds mRltZu esa fucy deh vkrh
gSA mnkgj.kkFkZ ;fn dksbZ daiuh vif'k"V ≈"ek iqu%
izkfIr la;a= yxkrh gS] ftlls ≈tkZ dh cpr gksrh gS] rks
og lhbZvkj izkIr dj ldrh gS] D;ksafd viskkœr de
b±/ku ds bLrseky ds QyLo:i mRlftZr dkcZu
MkbZvkWDlkbM dh ek=k esa deh vkrh gSA rFkkfi] ;fn
fodkldrkZ dks ,slh dksbZ xfrfof/k fdlh dkuwu dh
otg ls djuh gS] rks ,slh ifj;kstuk lhMh,e ykHkksa ds
fy, lkekU;r% ik= ugha gSA mnkgj.kkFkZ ubZ fnYyh ds
lkoZtfud ifjogu dks Mhty ds LFkku ij lh,uth ds
iz;ksx dk vkns'k fn;k x;k gSA vr% vc ;fn dksbZ
okgu b±/ku esa ifjorZu djrk gS] rks lhMh,e ykHkksa ds
fy, ik= ugha gksxkA
7- ukfer jk"V™h; izkf/kdj.k (Mh,u,) D;k gS\
lhMh,e ds vUrxZr izLrkfor ifj;kstuk dh lehkk
djus vkSj mls jk"V™h; vuqeksnu iznku djus ds fy,
D;ksVks izk sVksdkWy ds fdlh ikdkj kjk fu;qDr
dksbZ dk;kZy;@ea=ky; vFkok vU; ljdkjh laLFkk
Mh,u, dgykrh gSA Hkkjr dh Mh,u, jk"V™h; lhMh,e
izkfËkdj.k gS] tks fd i;kZoj.k vkSj ou ea=ky;] Hkkjr
ljdkj gSA
8- lhbZvkj ds ekStwnk ewY; D;k gSa\
izR;sd lhbZvkj dk ewY; 8 ls 12 ;wjks ds chp gksrk gS]
tks fd bl ij fuHkZj djrk gS fd bu lhbZvkj dh fcÿh
dh opucºrk fdl pj.k esa dh xbZ gSA mnkgj.kkFkZ
lhMh,e ifj;kstuk ds dk;kZUo;u ds iwoZ ihMhMh ds
vk/kkj ij izfrcº lhbZvkj dks mu lhbZvkj dh rqyuk
esa uhps ewY; feysaxs] ftUgsa fd lhMh,e bZch kjk
tkjh fd, tkus ds i'pkr~ cspk tkrk gSA ,slk blfy, gS
D;ksafd igys okys esa varfuZfgr tksf[ke gksrk gS] tcfd
ckn okys ekeys esa dkcZu ÿsfMV dh iznk;xh dh xkjaVh
gksrh gSA
45tuojh] 2010
QhpjQhpj
9- D;k dksbZ bdkbZ dkcZu ÿsfMV mRiUu fd, fcuk lhMh,e
ifj;kstuk yxk ldrh gS\
gkaA dksbZ bdkbZ lhMh,e ifj;kstuk yxk ldrh gS] ftlls
mls izkS|ksfxdh mUu;u esa enn feysxh rFkk ≈tkZ nkrk
ds tfj, mldh ykHkiznrk esa o`fº gksxh] ;|fi dkcZu
ÿsfMV ds tfj, jktLo vtZu ugha gksxkA rFkkfi bu
ekeyksa esa iscSd vof/k vU; ifj;kstukvksa dh Hkkafr gh
gksxhA
10- dkcZu ÿsfMV vftZr djus ds fy, bdkbZ lhMh,e
ifj;kstuk dks dSls iathœr djkrh gS\
;fn bdkbZ vdsys gh yxHkx 40&50 gtkj lhbZvkj
izfro"kZ mRiUu dj ldrh gS] rks ;g lhMh,e ifj;kstuk
ds foŸkiks"k.k ds fy, flMch ds ikl tk ldrh gS vkSj
ihMhMh] dk;Zikyd cksMZ ds ikl lhMh,e ifj;kstuk
ds oSËkhdj.k rFkk iathdj.k rFkk lhbZvkj tkjh djkus
gsrq vkbZ,lVh,l,y tSlh ,tsafl;ksa ds ikl tk ldrh
gSA vkbZ,lVh,l,y vUrjjk"V™h; cktkj esa lhbZvkj ds
O;kikj dks Hkh lqxe cukrk gSA rFkkfi] ;g y?kq ,oa
eË;e m|eksa ds fgr esa gS fd os bl izdkj mRiUu dkcZu
ÿsfMV~l ds lewgu ds fy, ,lihoh cuk,°A
bPNqd ikBdksa dks lwfpr fd;k tkrk gS fd bl fo"k; ij
vf/kd tkudkjh ds fy, os ;w,u,Qlhlhlh rFkk lhMh,e
bafM;k dh csolkbV~l dks ns[k ldrs gSaA n
dsUÊh; lwe] y?kq ,oa eË;e m|e ea=h Jh fnu'kk iVsy us >kj[kaM [kknh ,oa xzkeks|ksx cksMZ kjk te'ksniqj esa
vk;ksftr jk"V™h; gLrf'kYi egksRlo] 2010 esa fgLlk fy;k vkSj fofHkUu LVkyksa] cqudjksa rFkk Jfedksa dks iqjLdkj iznku
fd,A mUgksaus bl vk;kstu ds fy, vk;kstdksa dks cËkkbZ nhA
ea=h egksn; us jkT; ljdkj ds vfËkdkfj;ksa vkSj cSadksa dh cSBd esa vius lacksËku esa cSadksa] dsohvkbZlh rFkk MhvkbZlh
ds vfËkd lfÿ; cuus rFkk ih,ebZthih ds y;ksa dks ekStwnk foŸkh; o"kZ esa gkfly djus ij cy fn;kA cSBd esa lwe]
y?kq ,oa eË;e m|e lfpo] Hkkjr ljdkj Jh fnus'k jk; Hkh ekStwn FksA
Jh iVsy baMks&Msfu'k Vwy :e Hkh x,] mUgksaus jkT;iky Jh ds- 'kadjukjk;.k vkSj eq[;ea=h Jh f'kcw lksjsu ls HksaVdj
muds lkFk >kj[kaM rFkk vius ea=ky; ls lacafËkr eqÌksa ij ppkZ Hkh dhA
fnu'kk iVsy us cSadksa]
dsohvkbZlh rFkk MhvkbZlh
ds vfËkd lfÿ; cuus dh
vko';drk ij cy fn;k
46 y?kq m|ksx lekpkj
Qhpj
dSls yxk;sa viuk m|ksx\
;qok ih<+h jkstxkj ds volj ryk'kus ds LFkku ij ;fn viuk m|ksx yxkus ds fy, vius le; dk fuos'k djsarks og vkSjksa dks Hkh jkst+xkj eqgS;k djk ldrh gSA
Hkkoh m|eh ds fy, lwpuk ,d 'kfDr dk dke djrh gS ftlds ihNs lQyrk Nqih gqbZ gksrh gSA y?kq m|ksxlekpkj if=dk ds ^viuk gkFk txUukFk* dkWye ds t+fj, ge Hkkoh m|fe;ksa ds fy, ^dSls yxk;sa viukm|ksx*&tSls Toyar fo"k; ij bl èkkjkokfgd Üka[kyk dk 'kqHkkjaHk bl vk'k; ds lkFk dj pqds gSa fd m|eh bulwpukvksa dk ykHk mBkrs gq, viuk m|ksx LFkkfir djus dk m|e Lo;a djsaxsA gekjh dksf'k'k gS fd m|ksx LFkkfirdjus ds ckjs esa vkids iz'uksa dk lekèkku ;FkklaHko bl dkWye esa fu;fer :i ls fd;k tk,A vr% bl dkWyeij viuh izfrfØ;k rFkk lacaf/kr iz'u gesa vo'; HkstsaA lkFk gh] vkxs i<+sa -----
izLrqfr
gjh'k vkuan
ofj"B laiknd
gjsUÊ izrki
laiknd
izn'kZu esa lq/kkj dSls yk;k tk;s\ vki lHkh
m|eh gSa tks fiNys dqN le; ls viuh bdkb;ksa dh
ns[kjs[k dj jgs gSaA dksbZ m|eh viuk m|e vkf/kD;
;k ykHk vftZr djus ds fy, pykrk gS rFkk vf/kd
ls vf/kd ykHk dekuk pkgrk gSA
ykHk D;k gS\ ykHk fcÿh dh ykxr ij fcÿh
jktLo dk vkf/kD; gSA vFkok ;g ykHk ds ÿsfMV
ik vkSj blds MsfcV ik ij gkfu [kkrs dk vkf/kD;
gksrk gSA
lq/kkj ds mik; % O;kolkf;d laxBuksa dk izn'kZu]
vkS|ksfxd izn'kZu bdkb;ksa lfgr] mlds kjk vftZr
equkQs ds vk/kkj ij ekik tkrk gSA izn'kZu dks
fuEufyf[kr mik;ksa ls csgrj cuk;k tk ldrk gSA
(d) xfrfof/k;ksa dk Lrj c<+kdj] vFkkZr~ mRiknu
vkSj fcÿh c<+kdj (csgrj kerk mi;ksx)
([k) mRiknu dh izfr bdkbZ ij fcÿh ewY; c<+kdj
(x) ykxr esa deh djdsA
dksbZ m|eh vius izn'kZu vkSj vius ykHk ;k
gkfu dk U;wure Lrj fuEufyf[kr rhu mik;ksa esa
fdlh ,d ;k dksbZ Hkh la;kstu dks pqudj csgrj
cuk;k tk ldrk gSA
vklku jkLrk % dkjZokbZ dk p;u djus ls iwoZ
izcU/ku dh vksj ls foLr`r vH;kl dh t:jr gksrh
gSA ysfdu izFke n`f"V ls ykHk c<+kus ds okLrs ykxr
dk mfpr izca/ku lcls vPNk vkSj U;wure dfBukbZ
okyk jkLrk gSA ;g blfy, Hkh gS D;ksafd orZeku
fLFkfr;ksa esa tcfd fnu&c&fnu izfrLiºkZ c<+rh tk
jgh vkSj uohure izkS|ksfxfd;ksa ls ySl u,&u, m|eh
mHkj dj vk jgs gSa] xfrfofËk;ksa dk Lrj c<+kuk vkSj
kerk mi;ksx esa lq/kkj djuk dfBu gks tkrk gSA
lkFk gh lkFk dfBu izfrLiºkZ okys bu fnuksa esa izfr
bdkbZ fcÿh miyfC/k dks c<+kuk vkSj Hkh T;knk dfBu
gSA vr% (d) vkSj ([k) ds rgr of.kZr mik;ksa dks
ykxw djuk dfBu gS rFkk ;s ckgjh dkj.kksa ij fuHkZj
djrk gSA ckgjh okrkoj.k ls os T;knk izHkkfor gksrs
gSaA
ykxr dks de djds ykHk c<+kus laca/kh rhljk
mik; de dfBu gS rFkk ;g m|eh ds fu;a=.kk/khu
gSA vkus okys fnuksa esa dsoy ogh bdkb;ka vius
izn'kZu dks lq/kkj ik;saxh tks ykxr ij fu;a=.k djsaxh
rFkk ykxr ds izfr vf/kd ltx gksaxhA
ykxr D;k gS\ ykxr* dks fdUgha [kkl mÌs';ksa
dks izkIr djus ds okLrs ^mRlftZr ;k vfuok;Z
lalkËkuksa* ds :i esa ifjHkkf"kr fd;k tk ldrk gSA
lk/kkj.k 'kCnksa esa bls fdlh nh xbZ oLrq ij [kpZ dh
xbZ okLrfod ;k viz;ksxewyd ;k vkjksX; jkf'k* ds
:i esa ifjHkkf"kr fd;k tk ldrk gSA
fofHkUu vFkZ % ykxr ds dbZ vyx&vyx vFkZ
gks ldrs gSa_ okLrfod ykxr ;k ekud ykxr ;k
le; ij mBk;k x;k dne cgqr Qk;nsean lkfcr gksrk gSA
,e,l,ebZ esa ykxr ltxrk
47tuojh] 2010
viuk gkFk txUukFk
vuqekfur ykxr ;k dqy ykxr ;k lhekUr ykxr] izR;k ykxr ;k
fHkUu ykxrA bls ^dUotZu ykxr* ;k mRiknu ykxr ;k fcÿh
ykxr ds :i esa Hkh ns[kk tk ldrk gSA bl izdkj ykxr* 'kCn dk
bLrseky lgh izdkj fd;k tkuk pkfg,A vkerkSj ij iz;ksx djrs
le; fdlh foÿsrk ds fy, ^ykxr* 'kCn dk vFkZ gSµdqy ykxr
vFkkZr~ QSDVjh ykxr tek ,MfefuLV™s'ku ykxr] foŸkh; ykxr]
forj.k ykxr ;k vf/kxzg.k dh ykxr vkSj fdlh V™sfMax oLrq ds
fy, fcÿh vkSj forj.k dk lekuqikfrd [kpZ vkSj ÿsrk ds fy,
^ykxr* og ewY; gS ftldk og oLrqvksa vkSj lsokvksa ds cnys
Hkqxrku dj jgk gSA
ykxr dk v/;;u bl ckr dks /;ku esa j[kdj fd;k tkuk
pkfg, fd ,slh ykxr dks fdl mÌs'; ds fy, fd;k tk jgk gS rFkk
os 'krs± D;k gSa ftuds rgr ykxr dh x.kuk dh tk jgh gSA ;gka rd
fd ;fn ykxr vfHkfu'p;u dk mÌs'; ,d gh gS rks Hkh fofHkUu
fLFkfr;ksa esa fHkUu&fHkUu ykxr vkadM+s fn[kkbZ nsaxs vFkkZr~ mRiknu
ds fofHkUu Lrjksa ij izfr ;wfuV dqy ykxr fHkUu&fHkUu gksxhA ;g
blfy, gS D;ksafd vkmViqV esa o`fº ds lkFk gh izfr ;wfuV LFkkbZ
ykxr esa deh gksrh gS rFkk Áfr bdkbZ dqy ykxr es btkQk gksrk gSA
ykxr ds ewy rRo % ;gka ij ykxr ds ewy rRoksa ds ckjs esa
tkuuk mfpr gksxkA ykxr ds eq[;r% rhu ?kVd gSaA
eSVhfj;y % ysvkmV vkSj [kpZ % ftu rRoksa ls mRikn rS;kj
fd;k tkrk gS mUgsa eSVhfj;y dgk tkrk gSA ;g dPps ;k fofufeZr
:i esa gks ldrk gSA ;g ÁR;k vkSj vÁR;k nksuksa Ádkj ls gks
ldrk gSA
ÁR;k eSVhfj;y % ,slk eSVhfj;y] tks fd rS;kj mRikn dk
,d vfHkUu Hkkx cu tkrk gS rFkk ftls fofufnZ"V fQftdy ;wfuVksa
dks lkSaik tk ldrk gS] mls ÁR;k eSVhfj;y* dgk tkrk gSA izR;k
eSVhfj;y ds fuEufyf[kr mnkgj.k gSa %
(d) ydM+h] Xyw] cU/kd vkfn dh ykxr (ydM+h ds
QuhZpj ds fofuekZ.k esa yxh fdlh bdkbZ gsrq)A
([k) lfCt;ksa] rsy] xsgwa] pkoy vkfn dh ykxr (fdlh
jsLVksjsaV gsrq)
(x) [kjhnh xbZ mu lc oLrqvksa dh ykxr ftUgsa fd
xzkgdksa dks cspk tkuk gS (ialkjh gsrq)A
vÁR;k eSVhfj;y % ,sls lHkh eSVhfj;y dks ftls fd O;olk;
ds lgk;d ds :i esa iz;ksx fd;k tkrk gS vkSj ftls fof'k"V
fQftdy ;wfuV dks ugha lkSaik tk ldrk] ^vizR;k eSVhfj;y* ds
:i esa tkuk tkrk gSA vizR;k eSVhfj;y ykxr ds dqN mnkgj.k
bl izdkj gSa %
(d) miHkksDrk Hk.MkjA
([k) rsy (rsy 'kksËku bdkbZ ds fy, ugha)A
(x) fÁafVax vkSj LVs'kujh eSVhfj;y (fÁafVax Ásl ds fy,
ugha)A
dqNsd inkFkks± dh [kjhn ij [kpZ vkus okyh ykxr fdlh ,d
bdkbZ ds fy, flÁR;k eSVhfj;y ykxrfi gks ldrh gS ogha fdlh
vU; bdkbZ ds fy, ;g flvÁR;k eSVhfj;y ykxrfi gks ldrh gSA
Je % eSVhfj;y dks rS;kj lkeku esa cnyus ds fy, flekuoh;
Á;klksafi dh vko';drk gksrh gSA ,sls ekuoh; Á;kl Je* dgykrs
gSaA Je flÁR;kfi vkSj flvÁR;kfi nksuksa :iksa esa gks ldrk gSA
ÁR;k Je % ftl Je dh fdlh oLrq fo'ks"k ds mRiknu esa
lfÿ; vkSj ÁR;k Hkwfedk gksrh gS mls ÁR;k Je dgk tkrk gSA
blfy, fof'k"V mRikn ls lacafËkr ÁR;k ysvkmV ykxr dk irk
yxk;k tk ldrk gSA ÁR;k ysvkmV ds dqN mnkgj.k gSa %
(d) c<+b;ksa dh fngkM+h (ydM+h ds QuhZpj ds fuekZ.k esa
yxh bdkbZ)A
([k) jlksb;ksa dh fngkM+h (jsLrjka ds fy,)A
(x) dkmaVj ij yxs lsYleSuksa dh fngkM+h (ialkjh gsrq)A
vÁR;k Je % mRikfnr oLrqvksa ;k ÁnŸk lsokvksa ds lacaËk esa
lEiUu fd, tkus okys dk;ks± esa yxs Je dks vÁR;k Je dgk
tkrk gSA bl rjg ds Je ls mRikn dk fuekZ.k] dEiksft'ku ;k
fLFkfr ÁHkkfor ugha gksrh gSA vÁR;k Je ds dqN mnkgj.k gSa %
(d) LVksjdhij dk osru [kpZ
([k) QksjeSu] eSdsfud vkfn dk osru [kpZ
(x) Vkbedhij dk osru [kpZ
(?k) Á'kklfud deZpkfj;ksa dk osru [kpZ
[kpZ % [kpZ Hkh izR;k ;k vizR;k gks ldrk gSA
izR;k [kpZ % dqNsd [kpZ ÁR;k :i esa vkSj lqfoËkkiwoZd
ykxr dsaÊksa ;k ykxr bdkb;ksa ds lacaËk esa gks ldrs gSaA
mnkgj.k % fdlh vuqcaËk fo'ks"k ds fy, fo'ks"k e'khujh fdjk,
ij ysus ds okLrs fdjk;kA
vÁR;k [kpZ % ;s ,sls [kpZ gSa ftUgsa ÁR;k rkSj ij lqfoËkkiwoZd
vkSj iwoZ:is.k ykxr dsUÊksa ;k ykxr bdkb;ksa dks vkcafVr ugha
fd;k tk ldrkA
mnkgj.k % fdjk;k] chek [kpZ vkfnA
fuEufyf[kr 'kCnksa ls ykxr ds rRoksa dk cksËk gksrk gS %
ykxr % eSVhfj;y] Je esa tqM+k [kpZA
48 y?kq m|ksx lekpkj
viuk gkFk txUukFkviuk gkFk txUukFk
vfrfjDr [kpZ % vfrfjDr [kpZ esa vÁR;k eSVhfj;Yl]
vÁR;k Je vkSj vÁR;k [kpZ lfEefyr gSaA blfy, lHkh vÁR;k
ykxr vfrfjDr [kpZ gksrk gSA fdlh fofuekZ.k laxBu dks eq[;r%
rhu Hkkxksa esa ckaVk tk ldrk gS %
(d) QSDVjh ;k oDlZ tgka mRikn rS;kj fd, tkrs gSaA
([k) dk;kZy; vkSj Á'kklu tgka ij lkekU; rFkk uhfrxr
ekeyksa ij QSlyk gksrk gSA
(x) vÁR;k [kpsZ tSls fd QSDVjh fdjk;k] QSDVjh chek
vkfnA
dk;kZy; vkSj Á'kklu % dk;kZy; vkSj Á'kklu lacaËkh [kpsZ
vfrfjDr [kpZ esa 'kkfey gSa %
(d) dk;kZy; esa Á;qDr vÁR;k lkeku] tSls fd fÁafVax
vkSj LVs'kujh eSVhfj;y] czwEl vkSj MLVj vkfnA
([k) vÁR;k [kpZ] tSls fd dk;kZy; dk fdjk;k] dk;kZy;
chek vkfnA
(x) vÁR;k [kpZ tSls fd foKkiu [kpZ vkfnA
pkVZ % vfrfjDr [kpZ ds oxhZdj.k dks ,d pkVZ esa n'kkZ;k tk
ldrk gS %
vfrfjDr [kpZ
QSDVjh dk;kZy; ,oa fcÿh ,oa Á'kklu forj.k
ÁR;k@vÁR;k@vÁR;k eSVhfj;y lacaËkh [kpZ
bykt ls ijgst vPNk
dqy ykxr ds ?kVd % bl rjg dqy ykxr esa ykxr ds lHkh
rRo&ÁR;k vkSj vÁR;k lfEefyr gSaA ysfdu vkadM+ksa ds vklkuh
ls ladyu rFkk ykxr dsUÊksa ij csgrj fu;a=.k ds fy,] dqy ykxr
dks ≈ij n'kkZ, vuqlkj fofHkUu ?kVdksa esa ckaVk tkrk gSA
eq[; ykxr % eq[; ykxr esa ÁR;k eSVhfj;y] ÁR;k Je
ykxr esa eq[; ykxr vkSj ÁR;k [kpZ 'kkfey gSaA
mRiknu ykxr ;k oDlZ ykxr ;k QSDVjh ykxr] mRiknu
ykxr esa eq[; ykxr vkSj vfrfjDr dk;Z ;k QSDVjh] vfrfjDr
[kpZ 'kkfey gSa ftlesa ÁR;k eSVhfj;y] vÁR;k Je vkSj vÁR;k
[kpsZ lfEefyr gSa tks fd lkeku rS;kj gksus ds fofHkUu pj.kksa esa [kpZ
gksrk gSA
dqy ykxr ;k fcÿh dh ykxr % bl ykxr esa mRiknu
ykxr vkSj vkfQl] fcÿh rFkk forj.k lacaËkh vfrfjDr [kpZ 'kkfey
gSaA bls fcÿh dh ykxr Hkh dgk tkrk gSA
dqy ykxr dh ykxr ?kVd lwph dks lkekU;r% ,d foojf.kdk
ds :i esa ÁLrqr fd;k tkrk gS tks fd ^ykxr 'khV* ds :i esa
Áeq[krk ls tkuh tkrh gSA ÁR;sd ykxr dsUÊ ds fy, vyx&vyx
ykxr vkSj 'khV rS;kj dh tk ldrh gSA blesa iwoZ dh vofËk ds
laxr vkadM+ksa ds lkFk&lkFk dqy ykxr] ykxr Áfr bdkbZ dks
n'kkZus ds fy, dkWye gks ldrs gSaA
uhps fn;k x;k fooj.k ;g n'kkZrk gS fd fdl Ádkj dqy
ykxr dk fooj.k ;k ykxr 'khV rS;kj dh tk ldrh gSA
d- dqy ykxr dh foojf.kdk (Án'kZu&d)
fooj.k jkf'k (#- esa)
1- ÁR;k eSVhfj;y -----------
2- ÁR;k Je -----------
3- ÁR;k [kpZ -----------
eq[; ykxr (1] 2 ,oa 3 dk ;ksx) -----------
tek
4- QSDVjh vfrfjDr [kpZ mRiknu ykxr (1 ,oa 4 dk ;ksx) ;k
II. QSDVjh ykxr ;k oDlZ ykxr
tek
5- Á'kklu vkSj dk;kZy; lacaËkh vfrfjDr [kpZ
6- fcÿh lacaËkh vfrfjDr [kpZ
7- forj.k lacaËkh vfrfjDr [kpZ
III. dqy ykxr (11] 5] 6 ,oa 7 dk ;ksx) ;k fcÿh dh ykxr
dqy ykxr igys dqy mRiknu dh fudkyh tk ldrh gS vkSj
blds mijkar dqy mRiknu dks dqy mRikfnr bdkb;ksa ls Hkkx nsdj
Áfr bdkbZ ykxr vk tk,xhA mRiknu dh Áfr bdkbZ ds [kpZ vkSj
ykxr ds ÁR;sd rRo ds dqy ;ksx ls Áfr bdkbZ dqy ykxr dk irk
py tk,xkA
[k- dqy ykxr dk fooj.k (Án'kZu&[k)
ifjorhZ ykxr dqy ykxr bdkb;ksa dh la[;kÁfr bdkbZ ykxr
(d) ÁR;k eSVhfj;y ykxr
([k) ÁR;k Je ykxr
(x) ÁR;k [kpZ
1- eq[; ykxr (d] [k] x dk tksM+)
tek
(?k) ifjorhZ vfrfjDr [kpZ
(i) QSDVjh
(ii) Á'kklu ,oa dk;kZy;
49tuojh] 2010
viuk gkFk txUukFkviuk gkFk txUukFk
(iii) fcÿh
(iv) forj.k
II. lhekUr ykxr ;k dqy ifjorhZ ykxr
tek
(≥) LFkkbZ vfrfjDr [kpZ
III. dqy ykxr
Áfr bdkbZ dqy ykxr dk irk yxkus ds fy,] dqy ykxr dks
dqy mRikfnr bdkb;ksa ls Hkkx nsaA
ifjorhZ ykxr vkmViqV ds ÁR;k vuqikr esa fHkUu gksrh gSA
vkmViqV ftl vuqikr esa ?kVrh ;k c<+rh gSA lHkh ÁR;k ykxr
ifjorZuh; gksrh gSA blds vykok vfrfjDr [kpZ dk ,d fgLlk
dqy ifjorhZ ykxr vFkkZr~ dk;Z'khy iwath Ω.k ij C;kt] lsYleSuksa
dks deh'ku vkfn dk ,d Hkkx gksrk gSA
LFkkbZ ykxr fLFkj jgrh gS Hkys gh vkmViqV dh ek=k dqN Hkh
gksA bldk lacaËk le; vkSj kerk ls gksrk gSA T;knkrj vfrfjDr
[kpZ LFkkbZ ykxr gS vFkkZr~ fdjk;k] voewY;u] vkofËkd Ω.k ij
C;kt] chek vkfnA ykxr 'khV dks fuEu mnkgj.k dh enn ls rS;kj
fd;k tk ldrk gS %
mnkgj.k % fuEufyf[kr C;kSjk ml dEiuh ls lacafËkr gS ftlus
,d o"kZ fo'ks"k ds tuojh ekg ds nkSjku vuqekur% 1]000 bdkb;ksa
dk mRiknu vkSj mudh fcÿh dh gS %
ÿ- fooj.k jkf'k
la- (#- esa)
1- [kir fd;k x;k dPpk eky 80]000-00
2- Jfedksa dk Hkqxrku fd;k x;k osru 20]000-00
3- ÁR;k vfHk;ksT; [kpZ 4]000-00
4- rsy ,oa vif'k"V 200-00
5- QksjeSu dk osru 2]000-00
6- LVksjdhij dk osru 1]000-00
7- ≈tkZ 400-00
8- fctyh 1]400-00
QSDVjh 1]000-00
dk;kZy; 400-00
9- fdjk;k 6]000-00
QSDVjh 4000-00
dk;kZy; 2]000-00
10- ejEer vkSj uohœr 3]400-00
QSDVjh ifjlj 1]000-00
IykaV ,oa e'khujh 2]000-00
11- voewY;u 1]400-00
dk;kZy; ifjlj 1]000-00
IykaV ifjlj 400-00
12- miHkksDrk LVksj 2]000-00
13- ÁcaËkd dk osru 4]000-00
14- MkWDVj dh Qhl 1]000-00
15- dk;kZy; fÁafVax ,oa LVs'kujh 400-00
50 y?kq m|ksx lekpkj
viuk gkFk txUukFkviuk gkFk txUukFk
16- VsyhQksu 'kqYd 1]000-00
17- Mkd [kpZ ,oa VsyhQksu 200-00
18- lsYleSu dk deh'ku 1]000-00
19- ;k=k [kpZ 400-00
20- foKkiu 1]000-00
21- osvjgkmflax 'kqYd 400-00
22- ifjogu [kpZ 300-00
23- vkofËkd Ω.k ij C;kt 2]000-00 4]400-00
dk;Z'khy iwath Ω.k ij C;kt 2]400-00
dqy 1]35]000-00
vkb, ge Áfr nks fHkUu Án'kZuksa dh ykxr fudkysa
,d o"kZ fo'ks"k ds tuojh ekg ds nkSjku dqy ykxr dh foojf.kdk (Án'kZu ds vuqlkj)
ÿ- fooj.k ykxr dqy ykxr Áfr bdkbZ
la- (#- esa) (#- esa) ykxr (#- esa)
1 2 3 4 5
1- eq[; ykxr
(d) ÁR;k eSVhfj;y 80]000-00 1]04]000-00 104
([kir fd;k x;k dPpk eky)
([k) ÁR;k Je 20]000-00
(Jfedksa ds Hkqxrku)
(x) ÁR;k [kpZ 4]000-00
(ÁR;k vfHk;ksT; [kpZ)
2- QSDV™h vfrfjDr [kpZ
(d) vÁR;k eSVhfj;y 2]000-00 3]000-00
(i) ≈tkZ 400-00 8]800-00
(ii) fctyh (QSDVjh) 1]000-00
(iii) QSDVjh dk fdjk;k 4]000-00
ejEer ,oa vuqjk.k
* QSDVjh 1]000-00
* IykaV ,oa e'khujh 2]000-00
(iv) voewY;u 400-00
dqy (d $ [k $ x) 14]000-00 14
QSDVjh ;k oDlZ ykxr (1 $ 2) 1]18]000-00 118
3- Á'kklfud vkSj dk;kZy; lacaËkh [kpZ
(d) vkWfQl fÁafVax vkSj LVs'kujh 400-00
([k) vÁR;k Je
(i) ÁcaËkd dk osru 4000-00 5]400-00
51tuojh] 2010
viuk gkFk txUukFkviuk gkFk txUukFk
(ii) fctyh (QSDVjh) 1]000-00
(x) vÁR;k [kpZ
(i) dk;kZy; fctyh 400-00 8]500-00
(ii) dk;kZy; fdjk;k 2]000-00
(iii) ejEer ,oa uohuhdj.k 400-00
(iv) dk;kZy; voewY;u 1]000-00
(v) VsyhQksu 'kqYd 100-00
(vi) Mkd [kpZ ,oa Vsyhxzke 200-00
(vii) C;kt 4]400-00 8]800-00
mRiknu dh ykxr (1 $ 2 $ 3) 1]31]000-00 131-9
4- fcÿh ,oa forj.k vfrfjDr [kpZ
(d) vÁR;k eSVhfj;y
([k) vÁR;k Je
(x) vÁR;k [kpZ
(i) VsyhQksu 'kqYd 400-00
(ii) foKkiu 2]000-00
(iii) os;jgkml 'kqYd 400-00
(iv) okgu [kpZ 300-00
dqy ykxr (1 $ 2 $ 3) 1]35]000-00
Án'kZu ^[k* ds vuq:i ykxr 'khV
ÿ- fooj.k ykxr dqy ykxr ykxr Áfr
la- (#- esa) (#- esa) 1000 bdkbZ
1- ifjorhZ ykxr
(d) ÁR;k eSVhfj;y ykxr 80]000-00
([k) ÁR;k Je ykxr 20]000-00
(x) ÁR;k [kpZ 4]000-00
eq[; ykxr (d $ [k $ x) 1]04]000-00 104
2- ifjorhZ vfrfjDr [kpZ
(d) QSDVjh vfrfjDr [kpZ
(i) vÁR;k eSVhfj;y
(ii) vÁR;k Je
(iii) vÁR;k ≈tkZ [kpZ
([k) dk;kZy; ,oa Á'kklu [kpZ
(i) vÁR;k eSVhfj;y
(ii) vÁR;k Je
(iii) vÁR;k ≈tkZ [kpZ
52 y?kq m|ksx lekpkj
viuk gkFk txUukFkviuk gkFk txUukFk
dk;Z'khy iwath Ω.k ij C;kt 2]400-00 2]400-00
(x) fcÿh vkSj forj.k lacaËkh vfrfjDr [kpZ
(i) vÁR;k eSVhfj;y
(ii) vÁR;k Je
lsYleSuksa dk deh'ku 1]000-00 1]000-00
(iii) vÁR;k ≈tkZ [kpZ
dqy (d $ [k $ x) 3]800-00 3-8
LFkkbZ vfrfjDr [kpZ
(d) ÁR;k eSVhfj;y ykxr
miHkksDrk Hk.Mkj 2]000-00
rsy ,oa vi'ks"k 200-00 2]200-00
([k) vÁR;k Je
QksjeSu dk osru 2]000-00
LVksjdhij dk osru 1]000-00 3]000-00
(x) vÁR;k [kpZ
(i) fctyh QSDVjh 1]000-00
(ii) QSDVjh fdjk;k 4]000-00
(iii) ejEer ,oa uohdj.k 3]000-00
(iv) IykaV ,oa e'khujh dk voewY;u 400-00 8]400-00
dk;kZy; ,oa Á'kklfud [kpZ
1- vÁR;k eSVhfj;y
(i) fÁafVax vkSj LVs'kujh 400-00
2- vÁR;k Je
(i) ÁcaËkd dk osru 4000-00
(ii) funs'kd dh Qhl 1]000-00 5]400-00
3- vÁR;k [kpZ
(i) dk;kZy; fctyh 400-00
(ii) dk;kZy; fdjk;k 2]000-00
(iii) ejEer ,oa uohdj.k 400-00
(iv) voewY;u 1]000-00
(v) VsyhQksu 'kqYd 100-00
(vi) Mkd [kpZ ,oa Vsyhxzke 200-00
(vii) vkofËkd Ω.k ij C;kt 2]000-00 6]000-00
mRiknu dh ykxr (1 $ 2 $ 3) 11]500-00 11-5
fcÿh ,oa forj.k vfrfjDr [kpZ
(d) vÁR;k eSVhfj;y
([k) vÁR;k Je
53tuojh] 2010
viuk gkFk txUukFkviuk gkFk txUukFk
mDr nks Án'kZu ;g n'kkZrs gSa fd 1000 bdkb;ksa ds mRiknu vkSj
fcÿh dh dqy ykxr #i, 1]35]000@& curh gS vkSj bl Ádkj
dqy ykxr Áfr bdkbZ #i, 135@& vk,xhA ysfdu Án'kZu ^[k* esa
dqy ykxr dks vyx Ádkj ls n'kkZus dh dksf'k'k dh xbZ gSA ;g
dqy ykxr dks nks Áeq[k Jsf.k;ksa esa foHkkftr djrh gS % (i) dqy
ifjorhZ ykxr rFkk (ii) dqy fu;e ykxrA
gky esa rduhd dk cgqr egRo c<+k gS D;ksafd ,d fuf'pr
le;kofËk esa fu;r ykxr fu;r jgrh gS vkSj ;g mRiknu rFkk
fcÿh esa ifjorZuksa ds lkFk u rks c<+rh gS vkSj u ?kVrh gSA bl Ádkj
dqy ykxr esa dksbZ o`fº ;k deh ds dkj.k gh gksxhA lhekUr ykxr
rduhd dk Á;ksx djds dqy ykxr dh x.kuk ls xfrfofËk;ksa ds
ifjorhZ Lrj ds ykxr O;ogkj dks le>us esa dkQh enn feyrh
gSA blfy, lhekUr dksfLVax ds ckjs esa vkSj tkudkjh gkfly djuk
t:jh gSA
lhekUr dkW•LVx vkSj fu.kZ; ysus esa bldk Á;ksx
lhekUr dkW•LVx D;k gS\ lhekUr ykxr fdlh Hkh vkmViqV
dh ek=k dh ,d jkf'k gS ftlls ,d bdkbZ ds mRiknu esa o`fº ;k
deh gksus ij Hkh dqy ykxr esa cnyko vk tkrk gSA
lhekUr dkW•LVx dqy ykxr dk irk yxkus dh Á.kkyh dh
ctk, ykxr ij fu;a=.k ikus dh ,d rduhd gSA ;g fu.kZ; ysus
dh Áfÿ;k esa ennxkj gksrh gSA bl rduhd ds Á;ksx ls iwoZ
lhekUr dks•LVx esa Á;qDr dqNsd flºkarksa vkSj 'krks± dks le> ysuk
t:jh gSA
dqN 'krs±
1- va'knku ifjorhZ ykxr ij fcÿh ewY; dk vkfËkD; gSA
2- ih@oh Áfr'kr esa fcÿh esa va'knku dk vuqikr gSA
3- czsd&bou fcUnq % xfrfofËk dk og Lrj gS tgka dqy va'knku
dqy LFkkbZ ykxr ds leku gSA bl fcUnq ij lHkh [kpsZ iwjs
dj fy, tkrs gSa vkSj bdkbZ dks ykHk ;k gkfu dqN ugha gksrkA
czsdbou fcUnq ls ≈ij fdlh Hkh Lrj dk mRiknu gksus ij
ykHk gksrk gSA
LFkkbZ ykxr
bl Ádkj ch-bZ-ih- æ 100
ih-@oh- vuqikr
vkSj ykHk æ va'knku µ LFkkbZ ykxr
ÁR;sd fofuekZ.k laxBu ds ÁcaËkd dks fofHkUu Ádkj ds QSlys
ysus iM+rs gSaA dksbZ Hkh fu.kZ; ysus ls iwoZ mRikn ds Lo:i] xzkgd ds
Ádkj vkSj forj.k vkmVysV rFkk vU; lacº lwpuk ij fopkj dj
fy;k tkuk pkfg,A tc fu.kZ; djus okys ds ikl dkjZokbZ ds
oSdfYid mik; ekStwn jgrs gSa] lhekUr va'knku ykHknk;drk dk
fo'oluh; baMsDl gS] vkSj dh tkus okyh dkjZokbZ] tks fd mPpre
va'knku tqVkrh gS] mRœ"V :i esa mldk lEeku fd;k tkuk pkfg,A
bls fuEu ekeyksa esa ns[kk tk ldrk gS %
(d) eanh ds nkSjku vkSj vYikofËk ds fy, mRikn dk ewY; fuËkkZj.kA
([k) dqN xfrfofËk;ksa] mRikn ykbuksa dks LFkfxr djukA
(x) fuekZ.k ;k [kjhn lacaËkh fu.kZ;A
(?k) ykHk fu;kstuA
(≥) mRikn vkSj lsYl feDl dk vfËkdre mi;ksxA
(p) foHkkx ;k mRikn ds ykHk dh tkap djukA
(N) czsdbou fcUnq fuËkkZfjr djukA
dqN mnkgj.k % vkb, ;g le>us dk Á;kl djsa fd ykxr
vkSj blds O;ogkj dk Kku fdlh ,d m|e dks orZeku dqN
ifjfLFkfr;ksa dks gy djus esa] lkekU; ÁcaËku esa ftldk mls lkeuk
djuk iM+rk gS] enn djrk gSA
mRikn leL;k % ,d fuekZrk us fdlh mRikn dh 500 bdkb;ksa
dk mRiknu vkSj fcÿh dh gSA fcÿh dh dqy ykxr #i, 8@& Áfr
bdkbZ gS ftlesa 1]000 #i, dh okf"kZd LFkkbZ ykxr 'kkfey gSA
(x) vÁR;k [kpZ
(i) ;k=k [kpZ 1]000-00
(ii) os;jgkm•lx 'kqYd 400-00
(iii) ifjogu [kpZ 300-00 2]100-00
dqy LFkkbZ ykxr 27]200-00 27-2
fcÿh dh ykxr 1]35]000-00 135
(dqy ifjorhZ ykxr $ dqy vfrfjDr [kpZ)
54 y?kq m|ksx lekpkj
viuk gkFk txUukFkviuk gkFk txUukFk
bl Ádkj vkWQj Lohdk;Z gS D;ksafd ;g 200@& #i, dk
vfrfjDr ykHk n'kkZrk gSA ;g blfy, gS D;ksafd ;gka LFkkbZ ykxr
vlaxr gS vkSj fodYiksa ds chp blesa ifjorZu ugha gksrk gSA dsoy
ifjorhZ ykxr vkSj fcÿh ewY; ifjofrZr gksrk gSA bl Ádkj dsoy
bu nks ckrksa dk fu.kZ; djus esa egRoiw.kZ Hkwfedk gksrh gSA
mnkgj.k % fdlh vo;o dk ewY; 10 #i, gS tc fd QeZ ds
vUnj bldh fcÿh 12 #i, gS (8 #i, ifjorhZ ykxr vkSj 4 #i,
LFkkbZ ykxr)A D;k bl vo;o dk mRiknu QeZ esa djuk pkfg,
vFkok bls [kjhn dj ykuk pkfg,A
lksY;w'ku dk fuekZ.k djsa ;k bls [kjhnsa
,slk ns[kus esa vkrk gS fd fdlh ?kVd dk QeZ ds vanj
mRiknu bldh ckgj ls [kjhn dh ctk; vfËkd egaxk iM+rk gSA
ysfdu] okLro esa] xfrfofËk eas o`fº ls bUÿhesaVy ykxr ugha
c<+sxh] vr%] fdlh ?kVd dks ckgj ls [kjhnus dh ctk, ;wfuV esa
gh bldk mRiknu djuk lLrk iM+rk gSA
mRiknu fuËkkZj.k vkSj lsYl feDl mnkgj.k
dksbZ daiuh d ,oa [k mRiknksa dk mRiknu djrh gSA bldk
laxr ykxr MkVk gS %
mRikn vkSj lsYl feDl mRikn d mRikn [k
1- Áfr bdkbZ fcÿh ewY; (#-) 1-00 2-00
2- Áfr bdkbZ ifjorhZ ykxr (#-) 0-40 1-60
3- Áfr bdkbZ va'knku (#-) 0-60 0-40
daiuh ds fy, mRikn ^d* dk vfËkdre la[;k esa mRiknu
djuk csgrj gksxk vkSj blds ckn cdk;k kerk dk Á;ksx ^[k* ds
mRiknu ds fy, fd;k tk ldrk gS D;ksafd mRikn ^d* dk Áfr
bdkbZ vfËkd va'knku jgrk gSA
,slh fLFkfr esa ;fn lsYleSuksa dks fcÿh c<+kus ds fy, ÁksRlkgu
fn;k tkuk gS rks mUgsa mRikn ^d* dh fcÿh ds fy, ÁksRlkfgr fd;k
tkuk pkfg,A ;fn] tSlk fd lkekU;r% gksrk gS] mUgsa fcÿh dh ek=k
c<+kus ds fy, mPp deh'ku fn;k tkrk gS rc lsYleSu mRikn ^[k*
dh fcÿh dks c<+kus ij vfËkd Ë;ku nsxk D;ksafd bldk Áfr bdkbZ
vfËkd fcÿh ewY; gS vkSj blls mls T;knk deh'ku ÁkIr gksxkA
ysfdu blds ifj.kkeLo:i daiuh dks de ykHk gksxk vkSj blds
fy, lsYleSu ÁksRlkgu ÁkIr djsxkA
czsd&bou IokbaV dk irk yxkuk] mnkgj.k
,d daiuh d* dk mRiknu djrh gSA bldk fcÿh ewY; #i,
10 Áfr bdkbZ r; fd;k tkrk gSA bldh ifjorhZ ykxr Áfr bdkbZ
6 #i, gS vkSj okf"kZd fu;e ykxr #i, 10]000 gSA viuh xfrfofËk
ds fdl Lrj ij ;g daiuh czsdbou IokbaV gkfly dj ysxh\
czsd&bou IokbaV % gy
va'knku fcÿh ifjorhZ ykxr 10 6
1- va'knku æ 4
va'knku
2- ih@oh vuqikr æ &&&&&&&&&& 100
fcÿh
4 100
æ &&&&&&&&& 40¯
10
ÿe vUrj igys ls mRikfnr vkSj dqy ykxr vkSj fcÿh gsrq
la- csph tk pqdh bdkb;ksa ds fy,
1- bdkbZ (la[;k) 200 500 700
2- lsYl oSY;w (#i,) 1400 5000 (500 10) 6400 (500 10) $ (200 7)
3- ifjorhZ ykxr esa o`fº & 1200 300 (500 6) 4200 (700 6)
4- va'knku 200 (2&3) 1000 (5000 & 3000) 2200 (6400 & 4200)
5- LFkkbZ ykxr (#i,) 1000 1000
6- 'kqº ykHk (#i,) 200 (4&5) 1000 (2000 & 1000) 1200 (2200 & 1000)
orZeku fcÿh ewY; 10 #i, Áfr bdkbZ gSA vkxs vkMZj rHkh laHko
gS ;fn fcÿh ewY; 7 #i, Áfr bdkbZ r; fd;k tkrk gSA D;k
mRiknu c<+kuk mfpr gksxkA
gy % pwafd ewY; dqy fcÿh ykxr ls de gksrk gS] vkWQj dks
lhËks ukeatwj fd;k tk ldrk gSA ysfdu laxr ykxr ds fo'ys"k.k
ds ckn fuEufyf[kr u, fopkj mHkjdj vkrs gSa %
55tuojh] 2010
viuk gkFk txUukFkviuk gkFk txUukFk
(ÿe'k% vxys vad esa)
fu;e ykxr
3- czsdbou IokbaV æ &&&&&&&&& 100
ih@oh vuqikr
1000 100
æ &&&&&&&&&
4 0
æ #i, 25]000@&
;g bdkbZ 25]000@& #i, dh okf"kZd fcÿh ij vFkok ;wfuV
dh fcÿh ij czsdbou IokbaV gkfly dj ysxhA
dqy ykHknk;d ckrsa
(d) ykxr ekuo 'kjhj dh rjg gksrh gSA ;fn bl ij fu;a=.k u
j[kk tk, rks blesa o`fº gksrh jgrh gS ;gka rd fd pkgs ;wfuV
vPNk ykHk D;ksa u dek jgh gksA ykxr esa cpr gh vftZr
ykHk gSA
([k) dksbZ ;wfuV igys gh fnu ls ykHk vftZr djuk 'kq: ugha
djrh Hkys gh Áfr bdkbZ dqy ykxr Áfr bdkbZ fcÿh ewY;
ls de gksA gjsd ;wfuV dh fcÿh ls ykHk ÁkIr ugha gksrkA
dksbZ Hkh m|e dsoy czsdbou IokbaV dks ikj djus ds ckn gh
ykHk vftZr djuk 'kq: djrh gS rFkk blds mijkar vftZr
va'knku gh ykHk dgykrk gSA
(x) fu;r ykxr ij fudV n`f"V cukbZ j[kh tkuh pkfg, D;ksafd
mudk czsdbou Lrj mPp gksrk gSA
(?k) dsoy mUgha mRiknksa dks pqusa ftudk czsdbou IokbaV de
gksrk gSA fdlh pyrh gqbZ bdkbZ esa vkidk Ë;ku ch-bZ-ih-
dks uhps ykus ij gksuk pkfg,A ,slk ;k rks ih@oh vuqikr dks
c<+kdj vFkok fu;r ykxr dks de djds vFkok nksuks gh
mik;ksa ls gkfly fd;k tk ldrk gSA
(≥) laxr ;k lhekar ykxr ls ewY;ksa dh rqyuk fd, cxSj ewY;
fuËkkZj.k ;k fcÿh ds ckjs esa dksbZ fu.kZ u djsaA
(p) ctfVax ykxr dks fu;af=r j[kus rFkk ekuhVfjax esa egRoiw.kZ
;ksxnku djrh gSA fu;fer vkSj vkofËkd ykxr ctV rS;kj
fd;k tkuk pkfg, rFkk bldh okLrfod ykxr vkadM+ksa ls
rqyuk djuh pkfg,A
Hkkxyiqj esa ,e,l,ebZ xfrfof/kizfrosfnr bdkb;ksa dh dqy la[;k% 114 (foŸkh; o"kZ 2008&09)
ÿe la- izks= dk uke la[;k fuos'k fu;kstu kerk
1- œf"k vkËkkfjr m|ksx@QwM izkslsflax 33 79-73 130 463-00
2- jlk;u vkËkkfjr 05 2-20 21 9-00
3- [kfut vkËkkfjr & & & &
4- bathfu;fjax vkËkkfjr 12 19-90 44 87-50
5- ydM+h vkËkkfjr 6 1-96 20 12-20
6- IykfLVd vkËkkfjr 01 1-00 10 6-00
7- gLrf'kYi m|ksx 03 1-20 13 21-40
8- vU; 54 30-19 189 136-49
dqy 114 136-18 427 735-59
(lzksr% ftyk m|ksx dsaÊ] Hkkxyiqj)
56 y?kq m|ksx lekpkj
viuk gkFk txUukFkviuk gkFk txUukFk
gfj;k.kk
vkS|ksfxd vfHkizsj.kk f'kfojµxqM+xkao
,e,l,ebZ&fodkl laLFkku] lksyu us 3&11&2009 ls
14&12&2009 rd ToSyjh fMtkbfuax ij vk;ksftr m|ferk
dq'kyrk fodkl dk;Zÿe esa izf'kk.kkfFkZ;ksa dks ToSyjh
fMtkbfuax rFkk muds j[k&j[kko ds ckjs esa rduhdh tkudkjh
nh xbZ rFkk muds iz;ksx dh tkus okyh e'khuksa o midj.kksa ds
ckjs esa tkudkjh nh xbZA dk;Zÿe esa efgyk izf'kk.kkfFkZ;ksa dks
eaxy&lw=] usdySl] ekyk] pkWn lSV] ohu lSV] Qksj ohu rFkk
vU; fHkUu&fHkUu izdkj dh ToSyjh dh fMtkbfuax dh tkudkjh
iznku dh xbZA
dk;Zÿe dk lekiu lekjksg esa lqJh jkf[ky dkgyksa]
,p-,-,l-] vfrfjDr ftykËkh'k] lksyu crkSj eq[; vfrfFk
mifLFkr FkhaA n
fnukad 3&11&2009 ls 14&12&2009 rd lksyu esa efgykvksa ds fy,
ToSyjh fMtkbZfuax ij vk;ksftr m|ferk dq'kyrk fodkl dk;Zÿe ds
lekiu lekjksg ds volj ij izf'kk.kkfFkZ;ksa dks izek.k i= forfjr
djrs gq, dk;Zÿe dh eq[; vfrfFk lqJh jkf[ky dkgyksa] vfrfjDr
mik;qDr] lksyu rFkk laLFkku ds funs'kd Jh ohjsUÊ 'kekZA
,e,l,ebZ&fodkl laLFkku djuky ds mi&funs'kd Jh fodkl xqIrk
dk;Zÿe ds ckjs esa crkrs gq,A
57tuojh] 2010
viuk gkFk txUukFkdk;Zÿe
,e,l,ebZ&fodkl laLFkku] djuky kjk ljLorh
ikWyhVSfDud QkWj oqeSu] xqM+xkao esa 11 fnlEcj 2009 dks
,d vkS|ksfxd vfHkizsj.kk f'kfoj ds vk;kstu esa 90 csjkstxkj
;qokvksa us Hkkx fy;kA mn~?kkVu ds volj ij funs'kd Jh
vkj-ih- oS'; us vius lacksËku esa dgk fd Hkkjr esa yk[kksa
ukStoku ;qokvksa dks jkstxkj ds volj eqgS;k djokus gsrq vkt
Lo&jkstxkj dks c<+kok nsus dh vko';drk gS rFkk yksxksa dks
Lo&jkstxkj dh fn'kk esa izsfjr djus ds mÌs'; ls bl izdkj ds
dk;Zÿeksa dk vk;kstu dkjxj lkfcr gksxkA
laLFkku ds Jh fodkl xqIrk] mi funs'kd (;kaf=d) us
dk;Zÿe dk mÌs'; ,oa :ijs[kk crkrs gq, dgk fd ;g laLFkku
bl izdkj ds dk;Zÿeksa dk vk;kstu le;≤ ij djrk
jgrk gS rFkk mUgksaus m|ksx yxkus gsrq izfÿ;k ,oa t:jrksa dh
tkudkjh nhA n
m|ferk dkS'ky fodkl
dk;ZÿeµfjokM+h
,e,l,ebZ&fodkl laLFkku] djuky kjk lSy dE;qVjl
fjokM+h esa 15 flrEcj ls 30 vDrwcj] 2009 rd vk;ksftr
Ng lkIrkfgd m|ferk dkS'ky fodkl dk;Zÿe esa 25 csjkstxkj
;qokvksa us Hkkx fy;kA funs'kd Jh vkj-ih- oS'; us bl volj
ij gLr&f'kYi dyk ds vkS|ksfxd egRo ls Hkh voxr djok;k
rFkk crk;k fd yk[kksa ukStoku ;qokvksa dks jkstxkj ds volj
eqgS;k djokus gsrq vkt Lo&jkstxkj dks c<+kok nsus dh
vko';drk gSA dk;Zÿe ds nkSjku dkS'ky fodkl gsrq
izf'kk.kkfFkZ;ksa dks ikWV ltkoV] fljsfed Msdksjs'ku] cUnuokj
cukuk] Xykl IysV ls ltkoVh lkeku cukuk] okWy gSafxax]
fMtkbZuj] [kq'cwnkj ,oa jaxhu Tokyk;qDr eksecŸkh cukuk]
dkxt ls ltkoVh lkeku cukuk bR;kfn dh tkudkjh iznku
dh xbZA n
fgekpy
ToSyjh fMtkbfuax ij
dk;Zÿeµlksyu
ch-dkWe] ch-ch-,-] ,e-dkWe ds vafre o"kZ ds Nk=ksa ds fy,
,d fnolh; vkS|ksfxd vfHkizsj.kk f'kfoj dk vk;kstu fd;kA
bl dk;Zÿe dk mÌs'; vafre o"kZ ds Nk=ksa dks Lojkstxkj
yxkus dh vksj izsfjr djuk FkkA
bl dk;Zÿe ds eq[; vfrfFk Jh ,e-,y- 'kekZ] ,p-,-
,l-] lgk;d vk;qDr] ftyk dkaxM+k FksA dk;Zÿe ds vkjaHk
esa MkW- mŸke pUn] dksvkWfMZusVj] vË;k fctul LVMh us lHkh
vfËkdkfj;ksa rFkk izfrHkkfx;ksa dk Lokxr fd;k rFkk dk;Zÿe
ds mÌs'; ds ckjs esa tkudkjh nhA Jh ohjsUÊ 'kekZ] funs'kd]
,e,l,ebZ&fodkl laLFkku] lksyu us dk;Zÿe ds mÌs'; rFkk
Hkkjr ljdkj rFkk jkT; ljdkj kjk nh tkus okyh Lojkstxkjfnukad 2&12&2009 dks jktdh; Lukrdksrj egkfo|ky;] pEck esa
vk;ksftr ,d fnolh; vkS|ksfxd vfHkizsj.kk f'kfoj ds volj ij Jh
iadt pksQyk] izcU/k funs'kd] oSyh QqM] pEck lQy m|eh izfrHkkfx;ksa
dks lEcksf/kr djrs gq,A
fnukad 30&11&2009 dks jktdh; Lukrdksrj egkfo|ky;] /keZ'kkyk
esa vk;ksftr ,d fnolh; vkS|ksfxd vfHkizsj.kk f'kfoj ds volj ij
Hkkx ysrs izfrHkkxhA
58 y?kq m|ksx lekpkj
dk;Zÿe
vkS|ksfxd vfHkizsj.kk f'kfojµpack
,e,l,ebZ&fodkl laLFkku] lksyu us fnukad 2&12&2009
dks pack egkfo|ky; ds ch-dkWe] ch-ch,- o ,e- dkWe ds
vafre o"kZ ds Nk=ksa ds fy, vkS|ksfxd vfHkizsj.kk f'kfoj dk
vk;kstu fd;kA bl dk;Zÿe bl dk;Zÿe dk mÌs'; f'kfkr
;qokvksa dks Lojkstxkj LFkkfir djus ds fy, izsfjr djuk FkkA
MkW- ,e-,y- 'kekZ] izËkkukpk;Z] egkfo|ky; pack us Lokxr
djrs gq, dk;Zÿe ds mÌs'; dh tkudkjh nh vkSj Jh ,p-lh-
jk.kk] eq[; izcaËkd] Hkkjrh; LVsV cSad] pack us izfrHkkfx;ksa dks
cSad kjk Lojkstxkj LFkkfir djus gsrq cSadksa kjk nh tkus okyh
foŸkh; lgk;rk dh tkudkjh iznku dhA lQy m|eh Jh
iadt pksQyk] oSyh QwM] pack us izfrHkkfx;ksa dks viuk
Lojkstxkj 'kq: djus dh tkudkjh nhA mUgksaus crk;k dSls
viuk m|ksx 'kq: fd;k rFkk vkt og lQyrkiwoZd vius
m|ksx dks pyk jgs gSaA
Jh fot; pkSËkjh] izcaËkd] ftyk m|ksx dsUÊ] pack us
Lojkstxkj gsrq ftyk m|ksx dsUÊ kjk nh tkus okyh lqfoËkkvksa
dh tkudkjh nhA Jh ohjsUÊ 'kekZ] funs'kd ,e,l,ebZ&fodkl
laLFkku] lksyu us izfrHkkfx;ksa dks Hkkjr ljdkj rFkk jkT;
ljdkj kjk nh tkus okyh Lojkstxkj gsrq fHkUu&fHkUu izdkj
dh ;kstukvksa dh foLrkj ls tkudkjh iznku dhA n
vkS|ksfxd vfHkizsj.kk f'kfojµËkeZ'kkyk
,e,l,eb Z&fodkl laLFk ku] lk syu u s fnuk ad
30&11&2009 dks LukrdksŸkj egkfo|ky;] ËkeZ'kkyk esa
gsrq fHkUu&fHkUu izdkj dh ;kstukvksa dh foLrkj ls tkudkjh
iznku dhA n
vkS|ksfxd vfHkizsj.kk f'kfojµlksyu
,e,l,eb Z fodkl laLFk ku] lk syu u s fnuk ad
30&11&2009 dks vk;ksftr jktdh; fMxzh dkWyst] lksyu esa
,d fnolh; vkS|ksfxd vfHkizsj.kk f'kfoj esa f'kfkr ;qokvksa
dks ljdkj dh Lojkstxkj gsrq iznku dhA
jktdh; fMxzh dkWyst ds fizafliy MkW- nhid Bkdqj us
Lojkstxkj ds egRo ij tkudkjh iznku dh rFkk lHkh izfrHkkfx;ksa
ls vk‡ku fd;k fd os fofHkUu foHkkxksa kjk iznku dh tkus
okyh lwpukvksa dk Hkjiwj ykHk mBk,aA
[kknh ,oa xzkeh.k m|ksx cksMZ] lksyu ds Jh ,u-,l- oekZ
fnukad 8&10&2009 ls 13&11&2009 rd lksyu esa Lÿhu fizafVax ,oa
Mh-Vh-ih- ij vk;ksftr m|ferk dq'kyrk fodkl dk;Zÿe ds lekiu
lekjksg ds volj ij izf'kk.kkfFkZ;ksa dks lEcksf/kr djrs gq, eq[; vfrfFk
Jh veunhi xxZ] Hkk-iz-ls- mik;qDr] lksyuA
fnukad 23&11&09 dks 'ke'kh ftyk dqYyq esa vk;ksftr ,d fnolh;
vkS|ksfxd vfHkizsj.kk f'kfoj ds volj ij izfrHkkfx;ksa dks lEcksf/kr
djrs gq, laLFkku ds funs'kd Jh ohjsUÊ 'kekZA
,e,l,eb Z&fodkl laLFk ku] lk syu u s fnuk ad
23&11&2009 dks izf'kk.k laLFkku] 'ke'kh] dqYyq esa ,d
fnolh; vkS|ksfxd vfHkizsj.kk f'kfoj dk vk;kstu fd;kA
fizafliy] vkS|ksfxd izf'kk.k laLFkku] 'ke'kh us mifLFkr
vkeaf=r vfrfFk;ksa dk Lokxr fd;kA Jh lh-,y- 'kekZ]
egkizcaËkd ftyk m|ksx dsUÊ dqYyq us vius lacksËku esa
,e,l,ebZ LFkkfir djus esa vius foHkkx dh Hkwfedk Lojkstxkj
dh laHkkoukvksa ij izfrHkkfx;ksa dk ekxZn'kZu fd;kA Jh ,p-
lh- pkSgku lgk;d fodkl vfËkdkjh [kknh ,oa xzkeh.k m|ksx
cksMZ] dqYyq us izfrHkkfx;ksa dh izËkku ea=h jkstxkj ltu dk;Zÿe
ds ckjs esa foLr`r tkudkjh iznku dh ftldk ykHk mBkdj
;qok Lojkstxkj LFkkfir dj ldrs gSaA Jh fofiu 'kekZ] izcaËkd]
fnukad 13&11&2009 dks jktdh; Lukrdksrj fMxzh dkWyst esa vk;ksftr
,d fnolh; vkS|ksfxd vfHkizsj.kk f'kfoj ds volj ij Hkkx ysrs
izfrHkkfx;ksa dk lewgA
59tuojh] 2010
dk;Zÿe
us Lojkstxkj ds fy, vius foHkkx dh fofHkUu ;kstukvksa]
izËkku ea=h jkstxkj l`tu dk;Zÿe ds ckjs esa foLrkjiwoZd
tkudkjh nh rFkk izfrHkkfx;ksa ls vk‡ku fd;k fd os bu ;kstukvksa
dk ykHk mBk,aA blds ckn ftyk m|ksx dsUÊ] lksyu ds izcaËkd
Jh vfuy Bkdqj us izfrHkkfx;ksa dks lacksfËkr fd;k rFkk
,e,l,ebZ LFkkfir djus esa ftyk m|ksx dsUÊ dh Hkwfedk
rFkk m|fe;ksa dks iznku dh tkus okyh vU; izksRlkgu ;kstukvksa
dh tkudkjh foLrkjiwoZd iznku dhA n
Lÿhu fizafVax ,oa Mh-Vh-ih- ij
dk;Zÿeµlksyu,e,l,ebZ&fodkl laLFkku us fnukad 8&10&2009 ls
13&11&2009 rd lksyu esa Lÿhu fizafVax ,oa Mh-Vh-ih- ij
m|ferk dq'kyrk fodkl dk;Zÿe dk vk;kstu fd;kA bl
dk;Zÿe dk mÌs'; ;qokvksa dks Lÿhu fiazfVax ,oa Mh-Vh-ih-
dh rduhdh tkudkjh iznku dj mUgsa vkRefuHkZj cukuk FkkA
lekiu lekjksg esa eq[; vfrfFk Jh veunhi xxZ] Hkk-iz-
ls-] mik;qDr lksyu us izf'kk.kkfFkZ;ksa dks izek.k i= forfjr
djrs gq, ,e,l,ebZ fodkl laLFkku dk bl izdkj ds ykHkizn
dk;Zÿe vk;ksftr djus ds fy, iz'kalk dhA mUgks aus
izf'kk.kkfFkZ;ksa dks Lojkstxkj ds egRo ds ckjs esa tkudkjh
iznku dj izf'kk.kkfFkZlkas dk ekxZn'kZu fd;k rFkk lkFk gh lkFk
y?kq m|ksxksa dk ns'k dh vFkZO;oLFkk esa ;ksxnku ds ckjs esa
tkudkjh nh rFkk izf'kk.kkfFkZ;ksaa dk ekxZn'kZu fd;kA n
vkS|ksfxd vfHkizsj.kk
f'kfojµ'ke'kh] dqYyq
,e,l,eb Z&fodkl laLFk ku] lk syu u s fnuk ad
20&11&2009 dks vkS|ksfxd izf'kk.k laLFkku] lqUnj uxj esa
,d fnolh; vkS|ksfxd vfHkizsj.kk f'kfoj dk vk;kstu fd;kA
Jh yfyr 'kekZ] fizalhiy] vkS|ksfxd izf'kk.k laLFkku]
e.Mh us mifLFkr vkeaf=r vfrfFk;ksa dk Lokxr fd;kA Jh ,-
,u- /kheku] egkizca/kd ftyk m|ksx dsaÊ] dqYyq us vius
lacksËku esa ,e,l,ebZ LFkkifr djus esa vius foHkkx dh Hkwfedk
rFkk lqanj uxj esa Lojkstxkj dh laHkkoukvksa ij izfrHkkfx;ksa
dk ekxZn'kZu fd;kA Jh eksgu 'kekZ] izca/kd] iatkc uS'kuy
cSad] e.Mh us Lojkstxkj ds izksRlkgu ds fy, fofHkUu foŸkh;
laLFkkuksa dh Hkwfedk ds ckjs esa tkudkjh iznku dhA Jh ds-lh-
'kekZ] eSltZ gkbZos fjVjsfMax dEiuh] usj pkSd ds lQy m|eh
us mifLFkr izfrHkkfx;ksa dks vius vuqHko crk, rFkk izfrHkkfx;ksa
dks Lojkstxkj LFkkfir djus ds fy, izsfjr fd;kA n
,e,l,eb Z&fodkl laLFk ku] lk syu u s fnuk ad
17&11&2009 dks vkS|ksfxd izf'kk.k laLFkku] lqanj uxj esa
,d fnolh; vkS|ksfxd izf'kk.k laLFkku] lqanj uxj esa ,d
fnolh; vkS|ksfxd vfHkizs.kk f'kfoj dk vk;kstu fd;kA
dk;Zÿe ds vkj-,l- cu;ky] fizafliy] vkS|ksfxd
izf'kk.k laLFkku] laqnj uxj us mifLFkr vkeaf=r vfrfFk;ksa dk
Lokxr fd;kA Jh ,-,u- /kheku] egkizca/kd ftyk m|ksx
dsaÊ] e.Mh us izfrHkkfx;ksa dks lacksf/kr fd;k vkSj vius lacksËku
esa mUgksaus ,e,l,ebZ LFkkfir djus esa vius foHkkx dh Hkwfedk
rFkk lqUnj uxj esa Lojkstxkj dh lEHkkoukvksa ij izfrHkkfx;ksa
dk ekxZn'kZu fd;kA rn~i'pkr Jh ,l-ih- xks;y] izca/kd
LVsV cSad vkWQ ifV;kyk] lqUnj uxj us Lojkstxkj ds izksRlkgu
ds fy, fofHkUu foŸkh; laLFkkuksa dh Hkwfedk ds ckjs esa
tkudkjh iznku dh rFkk cSad dh Lojkstxkj gsrq pykbZ tk jgh
;kstukvksa dh tkudkjh iznku dhA blds ckn Jh foosd clUr
jk;] eSltZ gkbZft;k QqM izk sMDV] usjpkSd e.Mh ds
lQy m|eh us mifLFkr izfrHkkfx;ksa dks vius vuqHko crk,
rFkk izfrHkkfx;ksa dks Lojkstxkj LFkkfir djus ds fy, izsfjr
fd;kA n
fnukad 20&11&2009 dks vkS|ksfxd izf'kk.k laLFkku] e.Mh esa vk;ksftr
,d fnolh; vkS|ksfxd vfHkizsj.kk f'kfoj ds volj ij izf'kk.kkfFkZ;ksa
dks lacksf/kr djrs gq, laLFkku ds funs'kd Jh ohjsUÊ 'kekZA
fnukad 17&11&2009 dks lqUnjuxj esa vk;ksftr ,d fnolh; vkS|ksfxd
vfHkizsj.kk f'kfoj esa izf'kk.kkfFkZ;ksa dks lacksf/kr djrs gq, jktdh;
cgqrduhdh laLFkku] lqUnjuxj ds iz/kkukpk;Z MkW- tksfxUÊ flag rFkk eap
ij mifLFkr vf/kdkjhA
dk;Zÿe
iatkc us'kuy cSad] dqYyq us Lojkstxkj ds izksRlkgu ds fy,
fofHkUu foŸkh; laLFkkuksa dh Hkwfedk ds ckjs esa tkudkjh iznku
dh rFkk cSad dh Lojkstxkj gsrq pykbZ tk jgh ;kstukvksa dh
tkudkjh iznku dhA Jh iou yky xqIrk eSltZ eukyh ∂ykSj
feYt ctkSjk ds lQy m|eh us mifLFkr izfrHkkfx;ksa dks
vius vuqHko crk, rFkk izfrHkkfx;ksa dks Lojkstxkj LFkkfir
djus ds fy, izsfjr fd;kA n
vkS|ksfxd vfHkizsj.kk f'kfojµe.Mh
vkS|ksfxd vfHkizsj.kk
f'kfojµlqUnj uxj
During visit to CFC, Baruipur Surgical Instrument Cluster, Kolkata Additional Secretary
& Development Commissioner (MSME), Shri Madhav Lal, discussing
with the SPV Members and others.
Shri K. Radhakumar Singh, DC, Imphal West District, giving away certificates to trainees.
Published by The Development Commissioner, Micro, Small & Medium Enterprises, Nirman Bhavan, New Delhi-110108Printed at Tara Art Printers Pvt. Ltd. B-4, Hans Bhavan, B.S. Zafar Marg, New Delhi-110002
Regd. Number D(D) 579iath- la- Mh ¼Mh½ 580 iath- la- vkj- ,u- 28812@76
Regd. Number RN 28812/76
PDCSI.57.01.2010 (Bilingual)
3000
lEikndh; lwpuk ds fy, lEidZ djsafoKkiu o izpkj izHkkx
fodkl vk;qDr (,e,l,ebZ)fuekZ.k Hkou] ubZ fnYyh&110108
okf"kZd lnL;rk ds fy, lEidZ djsaizdk'ku fu;a=dizdk'ku foHkkx
flfoy ykbal] fnYyh&110054
=Sekfld ls ekfld