micro, small and medium enterprises sector in india

MICRO, SMALL AND MEDIUM

ENTERPRISES SECTOR

IN

11

IN

INDIA

• Average GDP growth from 2003-04 to 2007-08 has been 8.8%.

• Large Agriculture base and one of the largest producer of agricultural commodities.

India Growth Story

22

• Broad based manufacturing capability across almost all the segments of the economy

• Availability of highly skilled and educated (English speaking) human resource - including engineers, managerial personnel, accountants and lawyers etc.

• Large consumer base (1.2 billion population) with high demand for manufactured goods and services

• Strong financial system - comprehensive banking network, National and State level financial institutions as well as a vibrant capital market

India Growth Story (Contd..)

33

as well as a vibrant capital market

• Well defined package of monetary and fiscal incentives as well as liberal and progressive policies complementing the financial sector

• Strong & independent judiciary with well established legal framework

MSME Classification in India

Manufacturing Enterprises*

Micro Rs. 2.5 million (US$ 50,000)

Small Rs. 50 million (US$ 1 million)

Medium Rs. 100 million (US$ 2 million)

4

Services Enterprises**

Micro Rs. 1 million (US$ 20,000)

Small Rs. 20 million (US$ 0.4 million)

Medium Rs. 50 million (US$ 1 million)

* Investment limit in plant and machinery.

** Investment limit in equipments.

MSMEs IN INDIA

• Over 26 million MSMEs

• Employ 60 million People

• Give 45% of Industrial Production ^

55

• Give 45% of Industrial Production ^

• Account for 40%+ of Exports ^^

NBNB:: ^̂ 3939%% forfor MSEsMSEs // SSIsSSIs ^^^^ 3333%% forfor MSEsMSEs // SSIsSSIs

PRODUCTS OF MSEsMore than 8000 products

Others36%

Food Products22%

66

Chemical& Chemical

Products12%

Electrical&Machinery

Parts6%

Rubber &Plastic

Products6%

Basic

Metal

Industry

10%

MetalProducts8%

Institutional Support Structure for MSMEs in India

At Federal Level

1. Ministry of MSME

2. Development

Commissioner

(MSME)

3. National Small MSMEs

At State Level

1. Directorate of

Industries

2. District Industries

Centres

3. State Finance

77

3. National Small

Industries

Corporation(NSIC)

4. Khadi & Village

Industries

Commission(KVIC)

5. Coir Board

6. National

Entrepreneurship

Institutions

MSMEs 3. State Finance

Corporation

4. State Industrial

Development

Corporation

5. Technical

Consultancy

Organisations

6. Entrepreneurship

Development

Institutions (EDIs)

Others

1. Industry

Associations

2. NGOs

3. Banks/Financial

Institutions

• 58 Development Institutes

• 18 Tool Rooms / Tech Centres

• 38 Khadi & Village Industries Training Centres

• 4 National Level Entrepreneurship Institutes

• 26 sponsored State Entrepreneurship Development

ENTREPRENEURSHIP & SKILL DEVELOPMENT

88

• 26 sponsored State Entrepreneurship Development Institutes

• 7 NSIC & 2 COIR Training Centres

⇒ Hundreds of other Institutions & Centres

180,000 trained each year – including Foreign Students

To be TREBLED under Skill Development mission

MSME Policy

• Legislation (MSMED Act, 2006)• Fiscal Support (Excise Duty Exemption)• Technology upgradation

- Credit Linked Capital Subsidy Scheme- Assistance for Bar coding- Assistance for ISO certification

99

- Assistance for ISO certification• Credit Support

- Earmarking of Bank Credit- Credit Guarantee Scheme- Credit linked subsidy schemes for employment

generation- Credit rating

MSME Policy (Contd.)

• Marketing Support- Purchase preference in Government procurement- Assistance for participation in trade fairs/

exhibitions• Cluster interventions for focused development of

MSMEs and Khadi, village & traditional industries• Entrepreneurship and Skill Development

1010

• Entrepreneurship and Skill DevelopmentProgrammes- Entrepreneurship Development Institutes- Tool Rooms- MSME – Development Institutes

• Labour Laws- Simplified laws for MSMEs

MAJOR SCHEMES

FOR FOR

MSME’s SUPPORT

Credit Support

1. Public sector banks advised to double the flow of credit to MSMEs within 5 years (20% annual growth)

2. A minimum of 40% of bank credit earmarked for priority sector lending which includes loans to MSMEsloans to MSMEs

3. Specialized SME Bank branches in industrial clusters for smooth flow of credit to MSMEs

4. One Time Settlement (OTS) scheme for settling NPAs of MSMEs

5. Interest band prescribed

1. Helps in accessing credits from banks & financial institutions, orders from foreign buyers

2. Helps in assessing their strengths and weaknesses.

Performance and Credit Rating Scheme

weaknesses.

3. Rating by one of the empanelled national or international Rating agencies.

4. Government subsidises 75% of the cost of Rating fee

5. Concessional credits from Banks/FIs to such rated units

Credit Guarantee Fund for Small Enterprises

1.Credit Guarantee Fund Trust for MSMEs (CGFTSI) gives guarantee to its Member Lending Institutions for their collateral free loans to MSMEs up to INR 10 million (USD 200,000).

2. Initial guarantee fee at specified rate (1.5% ) of the credit facility sanctioned shall be paid upfront and thereafter annual fee.

3.Provides comfort to the Banks and Financial Institutions.

Technological Support

1.Credit Linked Capital Subsidy Scheme for Technology Up gradation

• Scheme meant to improve quality of products by technology

up gradation.

• Investment up to INR 10 million eligible for support with subsidy up to 15% on investment.

2.Technology Business Incubators for incubating new enterprises

3.Testing Centres for Quality Certification

4.Tool Rooms and Training Centres for skill up gradation

5. Incentive scheme for obtaining ISO Certification

Marketing Assistance and Export Promotion

1.Support for participation in trade fairs and exhibitions – national as well as international

2.Training programmes on packaging for exports

3.Purchase preference in Government procurement

4.Market Development Assistance Scheme for publicity, market studies and adoption of modern market practices

Cluster Development Programme

� technology upgradation & productivity improvement

1. Grant upto 80% of Project cost with ceiling of Rs.100 million to implementing agency for:

improvement

� energy conservation & pollution control

2. Rs 1 million assistance for capacity building activities without fixed assets

International Cooperation Programme

1. Provides exposure to MSMEs to the latest technologies, manufacturing practices prevalent in their fields in practices prevalent in their fields in different countries.

2. Encourages their participation in international exhibitions for exports

A Central Public Sector Undertaking of the

NSIC

Undertaking of the Ministry of MSME,

Government of India

NSIC established in 1955 with the aim to:

“aid, counsel , assist,

finance, protect and finance, protect and

promote the interests of

micro & small enterprises

in India”

VISION

To be a premier organization fostering the promotion & growth of micro, small & medium

enterprises in the countryenterprises in the country

MISSION

To enhance the competitiveness of micro, small & medium enterprises by providing

integrated support services under marketing, technology and finance.

ORGANISATIONAL STRUCTURE

Head Office

Branch &Other Offices

(103)

NTSCs/NTSECs

(8)ForeignOffice(1)

ZonalOffices

(10)

Software Technology

Parks(2)

NSIC’s schemes are classified as under:

Marketing

Technology Credit

Support Services

MARKETING SUPPORT

1. Single Point Registration Scheme under

Govt. Stores Purchase Programme

2. Consortia & Tender Marketing 2. Consortia & Tender Marketing

3. Raw material Distribution

4. Exhibitions & Buyer Seller Meets

Single Point Registration Scheme of NSIC under Government Stores Purchase Programme

1. Introduced in May 1976. DGS&D appointed NSIC asagency for registration under this scheme.

2. Avoids multiplicity of registrations with variousGovernment departments.Government departments.

3. At par with those registered with DGS&D and noseparate registration with DGS&D.

4. Capacity assessment of the units in terms of itsquality and standards, volume of production andfinancial capability

1. Issue of tenders free of cost.

2. Exemption from payment of Earnest MoneyDeposit.

Benefits of the SchemeBenefits of the Scheme

Single Point Registration Scheme of NSIC under Government Stores Purchase Programme

Deposit.

3. Waiver of Security Deposit up to themonetary limit for which the unit isregistered with NSIC.

4. Price preference up to 15% over thequotations of the large scale industries

II. Consortia and Tender Marketing

1. NSIC submits bids on behalf of MSEs against the tenders of Government Deptts/PSUs.

2. Orders are farmed out to MSEs for execution.2. Orders are farmed out to MSEs for execution.

3. Raw material assistance is granted to such units.

4. Bills are realized by NSIC for payment to supplier MSEs.

5. Part payment upto 70% is made to supplier MSEs before realization of bills

III. Exhibitions & Buyer Seller Meets

1. To help MSEs to exhibit their products in nationaland International exhibitions

� About 60 exhibitions organised/participated in a year.

� Assiatance granted as per Government rules� Assiatance granted as per Government rules

i) Up to 95% concession on stall rental.

ii) Up to 75% reimbursement in fare

iii) Freight reimbursement

(Total Assistance not to exceed Rs.150,000 eqiv. US$ 3000)

2. Buyer Seller Meets organized betweenGovt. Deptts./ PSUs and MSEs.

3. Vendor development of Micro and Small3. Vendor development of Micro and SmallEnterprises for Govt. Deptts. / PSUs.

VI. Raw Material Distribution

1. NSIC distributes basic raw material likeAluminum, Copper, Iron & Steel, Paraffinwax,Coal etc at competitive rates toMSMEs.MSMEs.

2. Tie ups with bulk Raw materialmanufactures.

TECHNOLOGY SUPPORT

NSIC offers small units the following technology

support services through its Technical Services

Centres and Extension Centres:

♦ Material equipment testing facilities through accredited laboratoriesaccredited laboratories

♦ Training on Product design through CAD

♦ Common facility support in machining through CNC.

♦ Energy and environment services at selected centres

♦ Testing facility for electrical equipments

♦ Classroom and practical training for skill upgradation

Some of the Training Courses conducted by NSIC Technical Services Centres

Chennai Footwear Manufacturing, Electrical Gadgets Maintenance, Motor Rewinding etc.

Howrah Refrigeration & AC repair, Welding, Fitter, Automobile repairing, Material Testing etc.Automobile repairing, Material Testing etc.

Hyderabad Electronic assembly line, PC Hardware Maintenance, High end software development courses,

New Delhi CAD/CAM, CNC operations, Material testing, Draftsman, Machinist, Turner, S/W courses etc.

Rajkot Energy Audit, Diesel Engine Testing, CNC milling, Office Automation etc.

Credit Support

1. Tie-up made with various banks

2. Helps in preparation of credit proposals of MSMEs and forwards to these banks & follows MSMEs and forwards to these banks & follows up for sanction

3. Raw Material provided on credit terms against Bank Guarantee and advance against bills under tender marketing

SUPPORT SERVICES

1. Performance and Credit Rating Scheme

2. International Cooperation

3. International Consultancies

4. Infomediary Services4. Infomediary Services

5. Software Technology Parks

6. Incubation Centre for Small Enterprise Establishment

7. Exhibition Complex

8. Marketing Development cum Business Parks

Performance and Credit Rating

1. Helps MSMEs in accessing credits from banks & financial institutions, orders from foreign buyers.

2. Helps in assessing their strengths and weaknesses.weaknesses.

3. Rating by one of the empanelled Rating agencies.

4. Government subsidises 75% of the cost of Rating fee upto maximum of Rs. 40,000/ USD800)

International Co-operation

1. Exposes MSEs to latest technologies & International products.

2. Enterprise to enterprise cooperation for technology transfers, joint for technology transfers, joint ventures, business alliances & other forms of sustainable collaborations.

3. Financial assistance to delegates as per Government rules.

International Consultancy

�Feasibility studies

NSIC also undertakes International

consultancies for

�Feasibility studies

�Policy & Institutional Framework

�Entrepreneurship Development

�Supply of small projects for SMEs

�Setting up of Tool Room & Training

Centres

International Consultancy

�Bangladesh for developing ICT strategies

�Mauritius – Policy frame work for SME

Recent consultancies undertaken for

�Mauritius – Policy frame work for SME

development

�South Africa – Policy Frame work for SME

development for Kwa Zulu Natal Province.

Infomediary Services

1. Tender Information with email alerts

2. Global Trade Leads

3. Technology Search3. Technology Search

4. Banner Display

5. E-Library

6. International MSE Development Web

Portal (www.nsicpartners.com)

NSIC’s Model of Incubation

Innovative model Innovative model of Incubationof Incubation

• Employment generation usingflexible, cost effective andreplicable model.

• Optimal use of locally• Optimal use of locallyavailable resources.

• Integrated support by way ofproviding hands-on trainingon working projects

• To boost the development ofsmall enterprises

Innovative model Innovative model of Incubationof Incubation

• Practical on-the-job training on low cost machines & equipments which are:-

– Easy to understand

– Easy to operate

– Easy to transfer

– Easy to maintain

Incubation of Entrepreneurs for Small Enterprise Establishment

1. Employment generation

2. integrated support

3. Practical training

4. Help in machinery identification

5. Help in marketing

6. Help in installation of the project.

Target Group : Aspiring Entrepreneurs

Unemployed youth

Unskilled manpower

NSIC-Training cum Incubation Centres

44

Qualification : 10th standard(High School)

Duration : 3 Months

Identification of candidates

– Advertisement in print & electronic media

– General Enterprise Tendency (GET) test using

45

– General Enterprise Tendency (GET) test using

psychometric tools

– Interview and selection.

Other Incubation support services

Assistance in :

�Preparation of project reports

46

�Filing of Memorandum for start up enterprises for registration

�Obtaining approvals from Government authorities such as pollution etc.

�Credit facilitation through tie up with commercial banks

Assistance in:

�Procurement of Machinery & equipments for selected project

� Installation & Commissioning of Machinery & Equipment

Other Incubation support services ContdContd……

47


�Sourcing of raw materials

�Marketing support through Government supply, participationin domestic as well as International Exhibitions.

♦ Conventional Tradeslike, Plumbing, Electrician,

Sheet metal works, Welding,

Fitter, Machinist, Turner,

Draftsman, Diesel

Suggested Projects for TICsSuggested Projects for TICs

48

Draftsman, Diesel

mechanic, Tools & die

maker, Motor vehicle

Mechanic, Book binder,

Carpenter, Candle making,

Spray Painting etc.

♦ Electronics Courses like Mobile repairing, Radio

and TV repair, Repairing of electrical gadgets Repair

of refrigerator & AC, Electrical appliances repairing

etc.

Suggested Projects for TICsSuggested Projects for TICs

4949

etc.

�� Other Courses like Beauty parlour, Soft Other Courses like Beauty parlour, Soft toys making, Fashion designing, Embroidery toys making, Fashion designing, Embroidery & needle work, Boutique, Health & fitness & needle work, Boutique, Health & fitness centre, Watch & clock mechanic, Cookery centre, Watch & clock mechanic, Cookery etc.etc.

•• Each project capable of Each project capable of employing employing

-- 1 to 5 persons1 to 5 persons

•• Average space requiredAverage space required -- 100 to 2000 sqr.ft.100 to 2000 sqr.ft.

Salient Salient features features of Projects selected for of Projects selected for IncubatorsIncubators

5050

•• Average investment requiredAverage investment required -- US$ 1000 to US$ 1000 to 100,000100,000

•• Average investment per Average investment per employmentemployment

-- US $ 2500US $ 2500

♦♦ Better employability & mobilityBetter employability & mobility

♦♦ Higher productivity, wages and less exploitationHigher productivity, wages and less exploitation

A. Unemployed

Benefits of Technology Incubators

5151


♦♦ Identity, improved social status & prideIdentity, improved social status & pride

♦♦ Easier to get loans for selfEasier to get loans for self--employment from various employment from various

Banks/Micro Finance InstitutionsBanks/Micro Finance Institutions

♦♦ Improved Quality & ProductivityImproved Quality & Productivity

♦♦ Less downtimeLess downtime

B. Employers

Contd…


5252

♦♦ Compliance with Quality Assurance systems like ISOCompliance with Quality Assurance systems like ISO

♦♦ Availability of skilled workforce helps in getting export Availability of skilled workforce helps in getting export

ordersorders

Some examples of Some examples of

ProjectsProjects

Light EngineeringLight Engineering

� Barbed Wire MachineBarbed Wire Machine

�� Book Binding Book Binding

�� File FastenersFile Fasteners

5353

�� File FastenersFile Fasteners

�� M.S. Wire Drawing M.S. Wire Drawing

�� Paper Pins/Gem clips/Paper Pins/Gem clips/

Staple Pins manufactureStaple Pins manufacture

�� Wood Screws & RivetsWood Screws & Rivets

�� Wire NailsWire Nails

�� Welded Wire MeshWelded Wire Mesh

Agro & Food ProcessingAgro & Food Processing

�� BiscuitBiscuit

�� Bakery PlantBakery Plant

�� Corn FlakesCorn Flakes

�� ConfectioneryConfectionery

�� Food & vegetable dehydrationFood & vegetable dehydration

5454

�� Flour Mill Flour Mill

�� Ginger Garlic Paste Making Ginger Garlic Paste Making

�� Ice Cream Cone Ice Cream Cone

�� Jam/Jelly MakingJam/Jelly Making

�� NoodlesNoodles

�� Oil ExtractionOil Extraction

�� Potato/Banana Wafers Potato/Banana Wafers

�� Pop Corn MakingPop Corn Making

Agro & Food Agro & Food ProcessingProcessing

5555

�� Rice MillingRice Milling

�� Soya MilkSoya Milk

�� Spice GrindingSpice Grinding

�� Tomato Puree/PasteTomato Puree/Paste

Pharmaceutical & Pharmaceutical & ChemicalsChemicals

��Pharmaceuticals Pharmaceuticals TabletsTablets

5656

��Detergent PowderDetergent Powder

��Wax CandleWax Candle

Textiles and GarmentsTextiles and Garments

��Elastic TapeElastic Tape

��Socks Manufacturing Socks Manufacturing

��Men Shirts Men Shirts

��ShirtsShirts & Trousers& Trousers\\

��Men Trousers Men Trousers

5757

��Track SuitsTrack SuitsHandkerchiefs & Handkerchiefs &

Under GarmentsUnder Garments

��Pillow CoverPillow Cover

��Cotton BagsCotton Bags

��Luggage Hand BagsLuggage Hand Bags

Leather & Footwear ProductsLeather & Footwear Products

�� Ladies PursesLadies Purses

� Leather Hand BagsLeather Hand Bags

�� Leather BeltsLeather Belts

�� Gents PursesGents Purses

�� Ladies SandalsLadies Sandals

5858

�� Ladies SandalsLadies Sandals

�� Shoe upper stitching Shoe upper stitching

�� Industrial GlovesIndustrial Gloves

�� Leather GarmentsLeather Garments

�� Wrist Watch StrapsWrist Watch Straps

Plastic & RubberPlastic & Rubber

�� Blow MoldingBlow Molding

�� Plastic Shopping BagsPlastic Shopping Bags

�� ThermoformingThermoforming

Paper & Paper ProductsPaper & Paper Products

5959

�� Paper Napkin Paper Napkin

�� Paper Cups and SaucersPaper Cups and Saucers

�� Toilet RollsToilet Rolls

ServicesServices

�� Mobile repairingMobile repairing

�� Beauty parlourBeauty parlour

�� Soft toys makingSoft toys making

�� Fashion designingFashion designing

�� EmbroideryEmbroidery

6060

�� BoutiqueBoutique

�� Health & fitness centre Health & fitness centre

Exports

• Mineral & fuels,

• Automobiles,

India’s Exports and Imports from

South Africa

Imports

• Gold,

• Aluminium,• Automobiles,

• Iron & steel,

• Machinery & instruments,

• Organic and inorganicchemicals,

• Drugs & pharmaceuticals,

• Cotton yarn and fabrics

• Rice and other cereals.

• Aluminium,

• Phosphoric acid,

• Coal,

• Pulp and waste paper,

• Precious stones includingdiamonds, etc.

Potential Areas of Cooperation

� Facilitation in enhancing enterprise to enterprise cooperation and marketlinkages through exchange of business delegations.

� Immense opportunities of cooperation and strategic alliances in MSMEsector of both the countries in the form of joint ventures, technologycollaborations or marketing tie-ups.

� Investment based collaborations can be facilitated between MSMEs of� Investment based collaborations can be facilitated between MSMEs ofboth the countries in the following sectors:

•Agro & FoodProcessing

•Auto Components,Auto AssemblyEquipments

•Drugs andPharmaceuticals

• Incubation &Machinery

•Bio-technology

Other Areas of Cooperation

• Sharing of information on policy initiatives on MSMEsdevelopment .

• Training the human resources of public and private organizationsinvolved in the development of MSMEs.involved in the development of MSMEs.

• Sharing of experiences on best practices in MSME developmentand cluster development in South Africa.

• Facilitation in participation of MSMEs in exhibitions in SouthAfrica & India and organization of B2B meetings.

• Web linkages between MSMEs of both countries for marketingand other business partnerships

Enhancing Cooperation Through Through NSIC

NSIC IN SA

� ESTABLISHED IN 1996

� 16 YEARS OF EXISISTANCE� 16 YEARS OF EXISISTANCE

� SHARES ITS BEST PRACTICES AND

EXPERIENCES.

65

NSIC ACTIVITIES

� UNDERTAKE FEASIBILITY STUDIES

� TURN KEY PROJECTS

� SUPPLY OF MACHINERY AND PRODUCTS

� EXCHANGE OF BUSINESS DELEGATIONS

� CONSTANTLY SERVING GOVT INSTITUTIONS

AND INDIVIDUAL SMMEs

� ASSOCIATION WITH DTI, SEDA AND EDD OF

PROVINCES.66

NSIC ACTIVITIES

� OFFERING SERVICES AND TRAINING

IN SMME DEVELOPMENT

1. Capacity Building1. Capacity Building

2. Policy and Institutional Framework

3. Entrepreneurship Development

4. Setting up T.D.T.Cs

� SKILL UPGRADATION PROGRAMME 67

NSIC ACHIEVEMENTS

KZN PROVINCE

� Reviewed the legislation and Policies for the support � Reviewed the legislation and Policies for the support

of SMMEs to identify gaps and propose solutions.

�Drafted Frame work for the support of SMMEs

�Prepared Policy Frame work to facilitate the reforms

in SMME Development

�Completed a Feasibility Study, prepared a report for

creating an organization similar to NSIC 68

NSIC ACHIEVEMENTS

� Establishment of T.D.T.Cs at Pietermaritzburg and at

Hammarsdale

� MOU signed between DED of N.W.Province and F.D.C

to provide assistance for SMME development.

� Conducted Feasibility study on the profile of SMMEs

in Amathole District Municipality ( E.C)

� Successfully supplied and commissioned one plastic

component Mfrg Project at SMTDC, Soshanguve.

69

�Providing list of certified companies rated under

NSIC’s Performance & Credit Rating Scheme.

�Providing list of quality technology suppliers registered

under NSIC’s Single Point Registration Scheme.

NSIC’s Assistance to SMEs

in South Africa

under NSIC’s Single Point Registration Scheme.

�Access to information regarding Global Trade Leads

(B2B), International Tenders, Investment

Opportunities, Events and Exhibitions, Country Profiles

etc. through NSIC’s International SME Development

Web Portal (www.nsicpartners.com) and B2B portal

(www.nsicindia.com).

Contd….

�Access to international marketing intelligence for SMEs

through NSIC Marketing Intelligence Cell (MIC)

through Database of Indian Exporters and

International Buyers with Products, Database of

NSIC Assistance to SMEs in South

Africa

Technology Suppliers etc.

�New B2B Portal (www.buildsmme.com) launched by

NSIC catering Technology (Plant & Equipment), Raw

Material, Intermediary product and Finished goods

sourcing, Joint venture opportunities, Trade Leads,

Events and Exhibitions, Live Tender Leads and other

business opportunities.

�


Assistance in :

�Preparation of project reports

�Filing of Memorandum for start up enterprises for registration

�Obtaining approvals from Government authorities such as pollution etc.

�Credit facilitation through tie up with commercial banks.

Contd….


Assistance in :

�Procurement of Machinery & equipments for selectedproject


�Sourcing of raw materials

�Marketing support through Government supply,participation in domestic as well as InternationalExhibitions.

♦♦ Better employability & mobilityBetter employability & mobility



♦♦ Identity, improved social status & Identity, improved social status & pridepride

♦♦ More than 7000 people have been provided More than 7000 people have been provided

training. Success rate is 35% including training. Success rate is 35% including

employment.employment.

The RecommendationsThe Recommendations

75

IMPORTANCE OF SMME

♦ HELPS IN ECONOMIC DEVELOPMENT

♦ EMPLOYMENT OPPORTUNITIES

♦ INCREASES SELF EMPLOYMENT

♦ ENHANCES EXPORT

76

DEVELOPMENT OF SMMEs

♦ Supporting SMMEs through Govt Tenders

♦ Providing exemptions for SMMEs while participating in

Govt tenders

♦ Raw material distribution for SMMEs at competitive ♦ Raw material distribution for SMMEs at competitive

price

♦ Hassle free credit facilitation

♦ Rating of SMMEs

♦ Technology Transfer

♦ C.D.P / Consortium77

DEVELOPMENT OF SMMEs

♦ Entrepreneurship Development Programme

♦♦ Skill Development Programme

♦ Setting up Incubation

78

THANK YOU THANK YOU

79

micro, small and medium enterprises sector in india

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