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LAGHU UDYOG SAMACHAR LAGHU UDYOG SAMACHAR tuojh / January, 2010 ewY; % 20 #i;s @ Price : Rs. 20 60 years Republic of India LAGHU UDYOG SAMACHAR LAGHU UDYOG SAMACHAR Special Issue

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Page 1: laghu udyog samachar laghu udyog samachar - Dc Msme

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

Page 2: laghu udyog samachar laghu udyog samachar - Dc Msme

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

Page 3: laghu udyog samachar laghu udyog samachar - Dc Msme

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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

fodkl vk;qDr ¼,e,l,ebZ½] lwe] y?kq ,oa e/;e m|e ea=ky;] Hkkjr ljdkj dk izdk'ku

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

Page 4: laghu udyog samachar laghu udyog samachar - Dc Msme

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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• dSls yxk;sa viuk m|ksx\ 47

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Laghu Udyog Samachar2

Page 5: laghu udyog samachar laghu udyog samachar - Dc Msme

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

Page 6: laghu udyog samachar laghu udyog samachar - Dc Msme

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

Page 7: laghu udyog samachar laghu udyog samachar - Dc Msme

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

Page 8: laghu udyog samachar laghu udyog samachar - Dc Msme

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

Page 9: laghu udyog samachar laghu udyog samachar - Dc Msme

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

Page 10: laghu udyog samachar laghu udyog samachar - Dc Msme

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

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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

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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

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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

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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

Page 15: laghu udyog samachar laghu udyog samachar - Dc Msme

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

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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

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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

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• 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

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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

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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

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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.

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January, 2010 19

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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.

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Laghu Udyog Samachar20

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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%

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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

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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

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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

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Laghu Udyog Samachar24

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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

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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

Page 29: laghu udyog samachar laghu udyog samachar - Dc Msme

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

Page 30: laghu udyog samachar laghu udyog samachar - Dc Msme

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

Page 31: laghu udyog samachar laghu udyog samachar - Dc Msme

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

Page 32: laghu udyog samachar laghu udyog samachar - Dc Msme

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

Page 33: laghu udyog samachar laghu udyog samachar - Dc Msme

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

Page 34: laghu udyog samachar laghu udyog samachar - Dc Msme

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

Page 35: laghu udyog samachar laghu udyog samachar - Dc Msme

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

Page 36: laghu udyog samachar laghu udyog samachar - Dc Msme

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

Page 37: laghu udyog samachar laghu udyog samachar - Dc Msme

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

Page 38: laghu udyog samachar laghu udyog samachar - Dc Msme

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

Page 39: laghu udyog samachar laghu udyog samachar - Dc Msme

MEDIA : NEWS & VIEWS

January, 2010 37

Page 40: laghu udyog samachar laghu udyog samachar - Dc Msme

MEDIA : NEWS & VIEWS

Laghu Udyog Samachar38

Page 41: laghu udyog samachar laghu udyog samachar - Dc Msme

iz'u % fcgkj esa ,e,l,ebZ ks= ds fodkl ds fy, jkT;

ljdkj bl le; fdl rjg ds m|e ij fo'ks"k

Ë;ku ns jgh gS\

mŸkj % nsf[k;s] >kj[k.M vyx gksus ls fcgkj dk ^feujYl*

pyk x;k vkSj jg x;k flQZ ^,xzhdYpj*A ,slh

fLFkfr esa m|e ds ks= esa ge ^QwM izkslsflax* ij

fo'ks"k /;ku ns jgs gSaA

u;s&u;s ukStoku gkFk] vPNh tehu] ikuh dh

miyCËkrk vkSj dqnjrh okrkoj.k dk lnqi;ksx dj

ge œf"k ds lkFk&lkFk ^QwM izkslsflax* ks= esa Hkh

visfkr lQyrk ik jgs gSaA eDds esa [kxfM+;k ftys

dh lQyrk txtkfgj gSA yhph] lw;Zeq[kh ds Qwy]

ckal] nygu] elkys] vkyw bR;kfn vusd ,sls mRikn

gSa ftuls ks= fo'ks"k esa m|e dk fodkl fd;k tk

ldrk gSA

fcgkj ds gj ftys esa m|e dh vlhe

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

Page 42: laghu udyog samachar laghu udyog samachar - Dc Msme

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

Page 43: laghu udyog samachar laghu udyog samachar - Dc Msme

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

Page 44: laghu udyog samachar laghu udyog samachar - Dc Msme

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

Page 45: laghu udyog samachar laghu udyog samachar - Dc Msme

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

Page 46: laghu udyog samachar laghu udyog samachar - Dc Msme

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

Page 47: laghu udyog samachar laghu udyog samachar - Dc Msme

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

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Page 48: laghu udyog samachar laghu udyog samachar - Dc Msme

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

Page 49: laghu udyog samachar laghu udyog samachar - Dc Msme

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

Page 50: laghu udyog samachar laghu udyog samachar - Dc Msme

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

Page 51: laghu udyog samachar laghu udyog samachar - Dc Msme

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

Page 52: laghu udyog samachar laghu udyog samachar - Dc Msme

(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

Page 53: laghu udyog samachar laghu udyog samachar - Dc Msme

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

Page 54: laghu udyog samachar laghu udyog samachar - Dc Msme

(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

Page 55: laghu udyog samachar laghu udyog samachar - Dc Msme

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

Page 56: laghu udyog samachar laghu udyog samachar - Dc Msme

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

Page 57: laghu udyog samachar laghu udyog samachar - Dc Msme

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

Page 58: laghu udyog samachar laghu udyog samachar - Dc Msme

(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

Page 59: laghu udyog samachar laghu udyog samachar - Dc Msme

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;&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

Page 60: laghu udyog samachar laghu udyog samachar - Dc Msme

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

Page 61: laghu udyog samachar laghu udyog samachar - Dc Msme

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

Page 62: laghu udyog samachar laghu udyog samachar - Dc Msme

,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

Page 63: laghu udyog samachar laghu udyog samachar - Dc Msme

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.

Page 64: laghu udyog samachar laghu udyog samachar - Dc Msme

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