MSME-Development Institute

Kolkata

Vol: II, January 2019

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From the Desk of Director:

With the midnight bells of the New Year, the second edition of our

new initiative of a monthly journal “Udyami Bangla” has been

published. I hope the New Year will bring prosperity to the MSME

sector of West Bengal.

The O/o DC(MSME) is also taking new shapes under the leadership of

Sri Ram Mohan Mishra, IAS, AS&DC, MSME with lot of up to date

schemes which will be definitely beneficial to the MSME Sector in this era of next gen

business environment. I hope the schemes will address the specific needs of the industry

with a view towards modernising the system, so that the MSME sector could imbibe the

state of the art technology in their production system.

With a hope of more vibrance and dynamism in the sector, I once again wish all the SMEs

and the other stakeholders a very happy and prosperous New Year.

Ajoy Bandopadhyaya

Content

A. Director’s Message 01

B. Editorial 02

C. Feedback from Readers 03

D. Success Stories 04

E. AV Space 11

F. From the Districts 13

G. Focus District - Malda 20

H. Bulletin Board 27

I. Special Feature 30

J. Feature – Abasar 28

Editor : Sri Debabrata Mitra, Deputy Director (G&C)

Sub Editor : Sri Chitresh Biswas, Asstt. Director (Stat)

Cover Pic : Sri Ram Mohan Mishra, AS&DC(MSME)

unfurling the inaugural issue along with

Sri Ajoy Bandopadhyaya, Director, MSME-DI, Kolkata.

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Editorial:

Keeping government machinery innovative and active is rather like

climbing a mountain. The first slopes are easy, almost like walking,

but as time passes the foothills become steeper. We, therefore have

moved steadily forward, anchored safely by launching our first issue

of UDYOGI BANGLA, despite the challenges of its contents and

constraints.

Now with the new version of our E-newsletter, UDYAMI BANGLA, we

have passed the crux, the most difficult part of the climb, and are

headed for the summit under this new name in this year.

MSME-DI is an integral part of MSME-Development Organisation that continually assists in

the development of MSME’s both proactively and reactively as changes are introduced.

Throughout the climb, we are ready to face challenges in growth and development. We

have moved forward with new strategic directions to improve value, growth and

retention. We are building our capacity to achieve a bit more. We got blessings from our

supremo and encouragements from our industry sectors. We are engaged in current and

emerging changes in our role as facilitators. We are reassessing how we can best support

and educate the entrepreneurs and public for implementation of various schemes and

policies.

With our long standing vision, “To keep the public aware of changes to business

changes”, we are standing guard not only to protect the public but to educate and

equip professionals while unifying the industry to promote entrepreneurship. No wonder

MSME-DI is and always has been known as “the friends and guides”. We take this

responsibility seriously and continue our promise to elevate new gen youth through

education, advocacy and hand-holding.

This strategic plan can best be achieved through continued relevance to a wide variety

of support available within the ecosystem. During the next coming months we will be

communication our plans in greater detail. I encourage each of you to visit our websites

to receive up to date information. We invite all of you to join us on the climb to the

summit. Each step brings us through exiting adventures and blesses up closer to our goals.

Wish you a happy and prosperous New Year.

Happy reading!

Debabrata Mitra

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SUCC

FEEDBACK FROM READERS

Dear Sir,

It indeed is a moment of pride to be seen ourselves placed

in the SUCCESS Story for our BIOTOILETS and other Hygiene

products... We thank you for the belief in us and look forward

to be enterprising on the paths shown by you.

This journey (which means a lot for us) could not have been

possible without your support, enthusiasm and guiding

encouragement.

Regards,

Dr Arijit – Arpita

Ramaesis Realty Pvt Ltd

Sir,

It is a great initiative.

Regards

Somnath Chakraborty

Sr. Asst. Secretary, BNCCI

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The Tigonis Story

BENGAL BUILDING SOLUTIONS PVT. LTD.

Regd. Office : 57G, K.N Sen Road, Kolkata 700042

Phone No.: : 033-2443 0337/38

Website : www.bbspl.co.in

Startups are an amazing thing. If you like riding a roller coaster ; with

unexpected ups and downs along the way, you will love this journey. But its

not for the faint hearted.

Bengal Building Solutions Private Ltd. (BBSPL] was founded with a vision to

provide an end to end solution for new age and eco-friendly building and

construction materials with the brand name TIGONIS. The company

incorporated in 2017, and it is promoted by a Group consisting of a

successful business family in Kolkata engaging professionals with a vast

experience in the field of construction.

The company has a state of the art manufacturing unit in Falta, South 24 parganas, West Bengal,

which is all set to be India’s first integrated plant manufacturing different cement based and allied

products like blocks, cementitious powders, liquid based construction chemicals and various

concrete casting products. BBSPL aims to provide easy one stop solution to all asset development

needs.

The CEO of the Company Sri Abhishek Banerjee is an IIT and

IIM Graduate. Hailing from a business family, he was highly

inspired by his parents, who are themselves very high

achievers in their lives, and got the basic training of business

at his homestead and he developed a desire to grow himself,

not only to achieve greater things but also prove himself in

their eyes. His interest in business and entrepreneurship started

right from undergrad school, at IIT Kharagpur; where he took

subjects which would have different industrial applications

and shape the near future. But his goal in IIT was to get

through IIM Joka, as he thought, that would be the ground

where all his thoughts would be shaped up into something

meaningful and enterprising. Abhisek had a fascination for

manufacturing and marketing ; and coupled with his

background of biotechnology; he decided to venture into

pharmaceutical sector. From the second year of his stint in

IIMC, he started a company called Bengal Lifesciences,

which started very positively but lost its sheen due to sales

and marketing issues.

He learned the hard way and developed a kind of ruthlessness which is required for running a

business of any scale. This has brought him to his next venture, which was out of college and had

his full time and dedication. The goal was to provide a complete end to end solutions to the

building materials industry; and collaborate with various industry advances to make fantastic

products, under the name of Bengal Building Solutions. Working in this kind of a setup and industry,

which is dominated by industry giants with huge competition is not easy. He built his team and as it

SUCCESS STORY

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is said that once you have a great team, half the job is done; he moved ahead. One should hire

smarter people who can tell what to do, rather than the opposite.

The first step was to make a very futuristic plant setup in the heart of Falta, for which large amount

of land was required. But a land fruad has hurt Abhisek hard not only internally but in terms of

finances too. So, he decided to start the business by outsourcing the production and keeping

marketing and research under his own control.

He started hiring people from the trade,

who shared out passion for building a

wonderfully fresh and energetic brand right

from the grassroot level. BBSPL, as a next

step, aligned interested set of plants, who

would agree to their toll manufacturing

scheme. Currently, BBSPL have a set of 4

plants in West Bengal, who are fully aligned

to their production, maintaining the

international standard of the products from

their plants, as well as follow BBSPL’s

production and dispatch plans.

Once the production was sorted, they

emphasised on brand building, which is not

only Abhisek’s passion but also a

differentiator from other local brands. They

adopted a simple strategy to connect with

as many people as they can in as little time as possible. With this carpet bombing exercise, they

have been able to get a considerable market share in the geographies where they are currently

present. The brand Tigonis, has now been in the market for around 6 months with the confidence

in their product quality and services that they are able to compete with the very best in the

industry, the size of the business is increasing day by day. Abhisek is now powered with his best and

proudest acquisitions of his life; his father joined him full time from being the CEO of an MNC to be

the Chairman of the group. Now they are dreaming to grow this business into a mammoth in the

coming future with focus on great products, understanding the needs of the market and develop

a robust operational setup; which is not only futuristic but also effective.

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Story of an Export Oriented Leather Goods Business

ELRICH INTERNATIONAL PVT LTD.

Regd. Office : 93/C Tiljala Road, Kolkata-700046

Phone No.: : +91-33-46013285, +91-9903055053

Website : www.elrichinternational.com

M/s. Elrich International Pvt Ltd. was launched in the year 1995 as

a Pvt. Ltd. Company under founder Director Shri Shahid Akhtar,

who was a Graduate with 20 years’ experience in

manufacturing leather and leather goods. The founder director

initially started this export business in small scale forming a

partnership and continued up to 1994 and due to increase in

sales volume this company is formed in 1995 to tackle the market

situation which demanded the improved quality along with the

higher volume. Simultaneously the company had to manage the

large workforce efficiently with the introduction of latest

machineries.

Current Directors of the Company are Shri Shahid Akhtar and

Kashmiri Akhtar. The unit is now Manufacturer & Exporter of Leather Goods. It is a 100% Export

oriented business and goods are manufactured as per the importer’s specification only. Staring

with an investment of Rs.14 crore, the business turnover is now

around Rs.34 crore. Facing regular competition with other

exporters as far as cost and quality helped them to secure their

position.

Their comprehensive collection of leather products includes

leather wallets for men, ladies purses, card holders, handbags,

executive bags, leather files and folders, corporate gift items

etc. They specialize in Men bags including messengers,

crossovers, briefcases, weekender bags and hold alls.

Total leather good exports from India stood at US$ 1.36 billion during 2017-18.

During 2017-18, the major markets for

Indian leather products were US (24.48 per

cent), Germany (14.76 per cent), UK

(10.94 per cent), Italy (5.82 per cent),

Spain (5.87 per cent), France (5.07 per

cent), Netherlands (4.86 per cent),

Australia (3.41 per cent), UAE (3.10 per

cent) and Denmark (2.59 per cent).

The enterprise try to accommodate

workforce team over an area of 10000

square meters of production space to

ensure a flourishing environment where

individuals can develop and implement new ideas in the work place. As far as customers are

concerned they are maintaining the quality and competitive prices and generating employment.

Below given a link of Video to know more from the Enterprise -

https://www.youtube.com/watch?reload=9&v=Ac8VwFRjbPw

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Over 100 years of Excellence

KHIMJEE HUNSRAJ

Regd. Office : 9 Rabindra Sarani, Kolkata -0700073

Phone No.: : 033-2221-5638/ 2235-4486

Website : www.khimjee.com/leather

M/s. KHIMJEE HUNSRAJ was established in the year 1904 by SURAIYA FAMILY. Being an OEM

manufacturer, they execute orders as required by the customers. They cater to various brands &

importers importing Leather Products (Bags, wallets & Slg's) for consumable fashion industry

worldwide.

The Leather Goods division started in 1982 in Kolkata. Capacity was expanded with a modern

factory in Chennai in 1992 to cater to the increasing volume of orders from the customers. They

achieved the SA 8000 in the year 2000. Khimjee's leather products are a fast-growing name on the

horizon of Indian leather exports. They have a discerning range of clients who seek out the high

standards of Khimjee's workmanship.

Their leather good production is imported by major brand-names in the US, Canada, Germany,

Switzerland, Austria, UK, and Japan. Today, Khimjee is considered a classic, part of the landscape

of original Indian design.

Through the years They have maintained high standards for workmanship and material. Now

greatly expanded, Khimjee's exceptional workforce is committed to carefully upholding the

principles of quality and integrity which have made the company what it is today.

Innovation and modernization have always held a pivotal role in function. Fully conversant and

comfortable with a large range of leathers they are easily able to offer a variety of products that

are able to meet the most trying needs.

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Story of a business woman

RITUU EXPORTS PVT. LTD.

Regd. Office : 1W, Sapgachi, 1st Lane, 42A Bus Stand, Kolkata -700 039

Phone No.: : +91 98311 30038, +91 96819 45762

Website : www.rituusbags.in

M/S. RITUU EXPORTS PVT. LTD was established in 2006 by Ms. RITU GUPTA in the field of Leather

Goods Manufacturing. Creativity, precision, and

teamwork are the three words that define this business.

Rituu Exports believe in giving International clients the

best quality products. They deal with global brands

directly as well as through intermediaries. Their business

model solves problems in a two-fold way: Firstly, they

offer their clients leather products at affordable prices

without compromising on design and quality. This has

helped the company build its reputation over the years

as well as live up to their client’s expectations. Secondly,

the business model supports and promotes make in India

campaign. Their business not only promotes India’s

craftsmanship but also creates jobs for hundreds of

people and helps them in developing vocational skills.

With a rupee and half as a capital, she managed to

build a business worth million within a few years. Ms. Ritu

Gupta started her own export business of manufacturing

bags in the year 1991. Following her first venture, she

started two other companies before finally launching Ritu

Exports Pvt. Ltd. in the year 2006.

She started with an initial investment of Rs. 10 lakh and

now Rituu Exports has crossed 8 cr. Over 200+ employees

working diligently in over 18000 sq. ft. for Rituu Exports. The journey of last 12 years have seen ups

and downs, but Ms. Gupta made the resultant an always up.

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A Dream to be the maker of World’s Best Industrial Gloves

VINIT GLOVES MANUFACTURING PRIVATE LIMITED

Regd. Office : 1W, Sapgachi, 1st Lane, 42A Bus Stand, Kolkata -700 039

Factory : P 42-44, "Udayan Industrial Estate", 3 Pagladanga Road, Kolkata - 700015,

Phone No.: : 033-2323-4400

Website : www.vinitgloves.com

The production of industrial gloves in India is estimated at around

150 million pairs annually and the industry employs a huge

number of economically challenged, yet skilful people who

constitute the bulk of the industry’s workforce. The Indian Leather

Industry has been set a target of achieving a turnover of USD 27

billion by 2020, and experts opine that the Industrial Leather

Gloves manufacturing segment (and other safety products) can

contribute in a significant way in achieving the target.

Vinit Gloves Manufacturing Private Limited currently possess

100,00 sq. ft. of manufacturing facilities from the treatment of raw hides to the production and

finishing of industrial leather gloves with integrated testing and quality control facilities at every

level. Their manufacturing unit is equipped with 300+ state of the art machines that are capable of

producing upward of 9 million pairs of industrial leather gloves annually. With an initial investment

of 17.5 crore, they are now a company with turnover 80 crore.

They directly employ 650 trained and skilled laborers, who meticulously cut and stitch the gloves

that are sought after by connoisseurs around the world. The company was founded by Sri Vinit

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Kumar Khetan and Sri Lalit Kumar Khetan. Now Vinit Gloves Manufacturing Pvt. Ltd. is a

professionally managed 100% export-oriented company led by Sri Vinit Kumar Khetan and Dr.

Purushottam Lal Khetan. It possesses over 10,000 square meters for production activities. Vinit

Gloves are now able to manufacture and export 8 million pairs of Industrial Leather Gloves from

their factory at P 42-44, Udayan Industrial Estate, 3 Pagladanga Road, Kolkata – 700 015. Vinit

Gloves is an ISO 9001:2015 certified company, SA 8000:2014 certified company, “Two Star Export

House” recognized by the Government of India.

This phenomenal rise of Vinit Gloves in just two decades of presence in the gloves market has only

become possible because of stringent quality-oriented attitude, excellent management and the

support team. The company has diversified the line of business and set up the best captive

tannery on its own at Zone-2, Plot-85A & 87.

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1. Start -up straggle days of Sayan Chakraborty, founder of the WTF (Where’s the Food), a start

up business of good food with affordable price. Hear from Sayan about his start-up plans and

Ideology on https://youtu.be/n-sUfa4LwWU

https://youtu.be/n-sUfa4LwWU

2. MSME Tool Room

In today’s fast paced global business scenario, technology has become more vital than ever

before. Its development and absorption are the key ingredients for the overall economic

development of a nation. This is even more relevant in the context of developing countries

where technological development and employment generation have to go hand in hand.

With a view to foster the growth of the SME sector in the country, MSME Tool Room, Kolkata

(Central Tool Room & Training Centre), has been established under Technical Co-operation

Programme between Governments of India and Denmark. MSME Tool Room, Kolkata provides

invaluable technological support to the Industry and ensures that Tool Room technology

keeps pace with the rapid growth of Industry which aims at rapid growth of micro, small &

medium scale sector through:

Provision of common facilities in CAD/CAM/CAE/CNC Machines/Vacuum Heat Treatment

furnace,

Product design and development,

Design and fabrication of moulds and dies,

Design and manufacturing of jigs & fixtures,

Design and construction of press tools,

Design and manufacturing of gauges,

High precision machining and supply of metal components,

Consultancy in mould proving, mould repair and mould maintenance,

Design and conducting of skill development training programmes in tool & die and allied

engineering trades.

To know more about MSME-Tool Room visit:

https://youtu.be/nRvcdthrMvM

https://youtu.be/s7IHH8yk1Yw

3. Start-up scenario in Kolkata - Meghdut Roy Chowdhury

https://youtu.be/yQOdvOJYDII

4. Lean manufacturing scheme

Under the Scheme, MSMEs will be assisted in reducing their manufacturing costs, through proper

personnel management, better space utilization, scientific inventory management, improved processed

flows, reduced engineering time and so on. LMCS also brings improvement in the quality of products and

lowers costs, which are essential for competing in national and international markets. The larger

enterprises in India have been adopting LMCS to remain competitive, but MSMEs have generally stayed

away from such Programmes as they are not fully aware of the benefits. Besides, experienced and

effective Lean Manufacturing Counsellors or Consultants are not easily available and are expensive to

engage and hence most MSMEs are unable to afford LMCS. Visit the following link to know more about

LMCS:

https://youtu.be/1Q9f18_gUgg

AV SPACE

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5. Guidelines for Procurement and Marketing support Scheme

The government in the month of November announced the Support and Outreach Initiative for MSME

Sector. These reforms come in the background of rupee depreciation, IL&FS default on the repayments,

shortage of liquidity in the market etc. The government aims to promote ease of doing business,

availability of liquidity, access to market, technology upgradation etc. The following video discusses

various issues associated with the MSME sector. Visit the following link:

https://youtu.be/BQnbXkqe-sk

6. MSME Samadhan

The Ministry of Micro, Small & Medium Enterprises (MSME) has launched MSME Delayed

Payment Portal – MSME Samadhaan for empowering micro and small entrepreneurs across

the country to directly register their cases relating to delayed payments by Central

Ministries/Departments/CPSEs/State Governments. Visit the following link to know more about

MSME Samadhaan:

https://youtu.be/aX9WcUprkGk

7. MSME Sampark

The MSME Sampark portal is a digital platform, wherein, jobseekers (passed out trainees /

students of 18 MSME Technology Centres) and recruiters (various reputed national &

multinational companies) register themselves for getting employment and getting right kind of

manpower respectively.

MSME Technology Centres have been one of the key contributors to the Make in India

initiative by contributing in various verticals such as Aerospace, Automobile, Electronics,

Glass, Footwear, Sports goods, Fragrance & Flavour, etc. These Centres are providing training

to around 1.5 lakh students annually and most of them are being absorbed by industry within

the country as well as abroad.

Skill Development is only one half of the challenge, finding the right employment opportunity

for these skilled youth, are yet another. While major corporate have well-defined recruitment

processes with a national reach, the challenge remains for small businesses and entrepreneurs

to find the right person for the job with relevant experience and skill-set. On the other hand,

the job seekers struggle to match their skill sets with the role, position, required experience,

monetary expectation, location & industry verticals leaves with too many parameters to be

matched in a limited opportunity map. To bridge this gap between the Recruiters and Job

Seekers, The Ministry of MSME has launched - MSME SAMPARK. Visit the following link for details:

http://sampark.msme.gov.in

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Video Conferencing with Hon’ble Prime Minister in Districts on November 2nd, 2018

On the occasion of Hon,ble Prime Minister of India’s launching of “Support and Outreach

Programme for MSME Sector” from the Vigyan Bhawan, New Delhi on 02/11/2018, a video

conferencing was organized for 57 district across the Nation. This august occasion was also

witnessed by MSME-DI officials.

Murshidabad

In Murshidabad, Sri Sanjeev Azad, Assistant Director(L/F) and Sri Tapas Roy, Investigator (Mech.),

MSME-Development Institute, Kolkata participated in the Video conferencing session organized by

United Bank of India, the Lead Bank of the District at IMI School, Berhampore.

Smt. Roopa Ganguly, Hon’ble MP and Sri Vivek

Bhardwaj, Joint Secretary, Ministry of Home

Affairs/Prabhari officer, Murshidabad District were

present along with officers and stakeholders from

different organisations.

There was a meeting which started with the

inaugural speech of Smt Roopa Ganguly, Hon’ble

MP at 2:15 pm. She focused on the achievement

of Government of India in last 4 and half years for

the last people in the row in all sectors. She also

explained the achievement of employment

through the Mudra and PMEGP Schemes. Sri Vivek

Bhardwaj, Joint Secretary, Ministry of Home

Affairs/Prabhari officer, Murshidabad District addressed the participants and he had detailed

discussion of Handloom and other industries.

The live telecast was started at 04:30 PM and Concluded with the 12 decision declare by the

Hon’ble PM. The Programme ended at 6:00 PM with the vote of Thanks

Nadia

In Nadia the Video Conferencing with Hon’ble Prime Minister held at Yuva Kalyan Bhawan, Krishna

Nagar. The programme was chaired by the Prabhari officer Sri Govind Mohan, IAS, AS, Min. of

Home affairs. Senior level officials from KVIC, NSIC, GST Council, Handloom EPC, NHDC, MSME-Tool

Room along with senior bank officials from SBI, BOI and UBI attended the programme. Sri S.S

Ahluwalia, Min. of State, Electronics and IT, Govt. of India inaugurated the Video Conferencing

Session with Hon’ble PM.

After the address by the Minister of State, the live Telecast was started at 4.30 PM. The Prime

Minister declared the 12 point development programmes meant for MSMEs and he also assured

the implementation part and feed back of these announcements will be monitored by PM himself

in the coming 100 days starting from the day of declaration itself.

Among all very important issues related to MSME, it was announced that regarding Technology Up

gradation of the MSME’s , Rs 6000 cr. have been sanctioned towards creation of 100 new Tool

Rooms for Training as well as Technology support to MSME’s.

FROM THE DISTRICT

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The Programme was attended by approximately more than 400 people from various sectors

related to Weavers, and applauded the announcement of the PM on various occasion of his

speech.

Bankura

Sri Barun Mitra, Additional Secretary, D/o. Production, Govt. of India led the video conferencing

session at Rabindra Bhavan, Bankura. The session was graced by the presence of Sri Babul

Supriyo, hon'ble MoS, Heavy Industry & Public Enterprise, Govt. Of India.

Senior officers from various Government agencies and Banks were present in the programme.

Representatives from different industry associations were also present at the session.

The porgramme was coordinated by Sri. Sanjit

Nandy, LDM, UBI, Bankura. Sri. Barun Mitra, AS, GOI

address the gatherings and briefed about the

objectives of today's VC. He urged all the

stakeholders form Govt. department, Banks, PSU

etc. to work together and work for the holistic

development of the MSME units especially

handicrafts MSE units of Bankura to achieve 100

days target assigned by Hon'ble Prime Minister of

India.

Sri Abhijit Bakshi, Jt. DGFT, Kolkata mentioned that

Bankura is having enormous potentials of exports of

Handicraft items and handicrafts SMEs should look for exports avenues more and more rather than

domestic markets. Bank officials discussed about their schemes for MSME sector. Sri. Siddhartha

Nandy, AD(L/F), Br. MSME-DI, Suri & Sri. T. K. Banik, AD(G&C), Br. MSME-DI, Durgapur also interacted

with the participants and briefed about different Schemes & Programmes of M/o. MSME. Both of

them urged the participants to enrolment in GEM portal and enjoy new experience of Cash Less,

Contact Less and On-time payment from Govt. departments.

During the interaction session, Sri Babul Supriyo,

Hon'ble MoS Heavy Industry & Public Enterprise

addressed the audience. Hon'ble Minister briefed

the importance of Hon'ble Prime Minister's Video

Conference and urged all the stakeholders of this

development process to work together.

The Video Conference session was telecasted at

the Rabindra Bhawan, Bankura soon after the

same was in air when Hon'ble Prime Minister of

India launched "Support and Outreach

Programme" for MSME Sector from the Vigyan

Bhawan, New Delhi.

After the Video Conference session, Sri Babul Supriyo, Hon'ble MOS Heavy Industry & Public

Enterprise addressed the press. The programme concluded with vote of thanks by NSIC official.

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Industry Visit

Shri Ajay Bandopadhyaya, Director, MSME-DI, Kolkata, Sri P.K.Das, Dy. Director (I/c), Br. MSME-DI,

Suri and Durgapur, Shri Tarak Kansabanik, Assistant Director, Br. MSME-DI, Durgapur visited some

major industries of the districts. This was a interactive visit. Discussion was done regarding different

issues and problems the units are facing.

The team visited M/S Bhagwati Fasteners Pvt. Ltd, Bankura, M/S Kalimata Ispat and

Vyaapar,Bankura, M/S Anadi Oil Mill,Bankura and M/S Amitava Pal,Bankura.

Bhagwati Fastners Pvt. Ltd is engaged in

manufacturing stainless steel fasteners. They have

imported latest technology for manufacturing

consistent quality products. They showed us the

manufacturing process of fasteners and Director

identified the area where quality upgradation can

be done. Director also told them that they can

take the help of MSME-Tool Room, Kolkata for

making moulds and dies, which the units usually

procure from abroad.

Then the team visited M/S Kalimata Ispat and

Vyapaar Pvt. Ltd. They are renowned manufacturer and exporter of industrial supplies, wagon

components and railway wagon. They are offering a wide range of superior quality products that

includes SG cast iron inserts, manhole covers,

socket caps for disk insulators, rail clips, anti theft

rail clips, rail anchors, fish plates plate screw, bolts

and nuts etc. From there we went to M/S Anandi

Oil Mill, Bankura. They are producing mustard oil.

Director technically guided all the units and made

them aware about all the DC (MSME) schemes for

their business growth. Director requested all the

units to send their story of becoming successful

entrepreneurs which would motivate prospective

entrepreneurs. From there the team visited M/S

Amatava pal. This unit makes Baluchurry saree of

different design. Director made this unit aware

about different DC(MSME) schemes for their

business growth.

Malda

Udyam Jyoti Awareness-cum-Udyog Aadhaar Registration Camp for MSMEs

MSME-DI, Kolkata organised one Udyam Jyoti Awareness-cum-Udyog Aadhaar Registration Camp

for MSMEs in association with District Industries Centre on 28.11.2018 at DIC, Malda. Sri M. Mondal,

GM, DIC, Malda inaugurated the programme and encouraged the entrepreneurs to take benefits

of Central and State schemes for their development. In his welcome address, Sri G. Podder, Asstt.

Director (IMT), MSME-DI, Kolkata explained in details the seven initiatives announced by the

Honourable Prime Minister in respect of Support & Outreach Programme of MSMEs – Udyam Jyoti

to the existing & prospective entrepreneurs. At the same time, the need for Udyog Aadhar

~ 16 ~

registration & its benefit in the marketing aspects also reiterated to the participants. The other

MSME schemes were also discussed in the camp.

Sri Ujjal Saha, Executive Director, Mahadipur Export Association, Malda attented the programme

as a guest of honour and while addressing, he appreciated the efforts made by MSME-DI, Kolkata.

About 35 participants attended the programme.

Coochbehar

DLTFC Meeting on PMEGP Scheme

Second District Level Task Force Committee

(DLTFC) meeting under PMEGP scheme was

organized on 19.11.2018 under the chairmanship

of Sri Koushik Saha, District Magistrate,

Coochbehar district. The concerned officials

from different Govt. Agencies were invited on

the meeting for the scrutiny and approval of

online applications of PMEGP Scheme.

Total of 390 applications from the various sectors

of different MSME units were placed in the

meeting and after scrutiny, all the applications

were found in order and were approved by the

committee for further scrutiny and financial sanction of the loan amount from the concern bank.

Sl.

No.

Applications from different

Implementing agencies

No. of

applications

Project Cost

(In Lakh)

Margine Money

(In Lakh)

1 DIC 67 663.00 183.92

2 KVIC 18 185.84 63.15

3 KVIB 305 2096.03 688.28

TOTAL 390 2944.87 935.35

On the same day after the DLTFC meeting, GM DIC Coochbeher explained the target areas for

the implementation of schemes of MSME and also confirmed for the UAM camp to be organized

on 17.12.2018 at the conference hall of his office. In this camp, the beneficiaries of PMEGP of

Coochbeher District will also be called for proper awareness about the LMCS, MSE CDP, ZED and

other schemes of MSME.

Jalpaiguri

Udyam Jyoti Awareness Programme cum Udyog Aadhar Registration Camp

One Udyam Jyoti Awareness Programme

cum Udyog Aadhar Registration camp

was organized on 13.12.18 at Siliguri

Industrial Estate Development Association

(SIEDA) Hall, Siliguri, District Jalpaiguri in

association with District Industries Centre,

Jalpaiguri and SIEDA. The programme was

attended by Sri Chandan Pal, GM, DIC,

Jalpaiguri, Sri Bivash Dutta, Manager and

Sri Ashimananda Biswas, IDO, DIC,

~ 17 ~

Jalpaiguri, Mr. T. K. Banerjee, Assistant Director, Br. MSME-DI, Siliguri. Twenty two participants were

present in the programme. Sri T. K. Banerjee discussed the schemes of Ministry of MSME. The latest

guidelines of Public Procurement Policy, Lean Manufacturing competitive scheme and design

clinic scheme were also been discussed. Mr. Chandan Pal discussed in detail the schemes of State

Govt related to MSME promotion and development.

One Udyog Aadhar Registration camp was also organized on the same day at the same place. 9

units were assisted with the UAM registration.

Darjeeling

Udyog Aadhar Registration Camp

Members of the Siliguri Battery Cluster, District Darjeeling were motivated to register with UAM.

They came to visit Br. MSME-DI, Siliguri on 09.12.18 & 10.12.18 for the Udyog Aadhar Registration.

Visit to Siliguri Pineapple Processing Cluster ICS, Bidhannagar

Sri P.K.Das, Deputy Director Incharge and Sri T. K. Banerjee, Assistant Director, Br.MSME-DI, Siliguri

along with Sri Biswajit Goswami, IDO, Sub DIC, Siliguri visited Siliguri Pineapple Processing Cluster

Industrial Co-operative Society, Bidhannagar, PS-Phansidewa, Dist- Darjeeling on 28.11.18. It is

almost 45 Km away from Siliguri Town. Most of the units are located in their houses presently near

to the pineapple growing field. They are at present making Pineapple Jam, Jelly, achar, squash,

juice, sauce, chips, wine (country process) etc and every unit have their own small arrangement

of equipments for making these items. We came to know from Secretary, Sri Arun Mondal that at

present many units are supplying their products to Patanjali in cut pieces as per the requirement.

This cluster has more than 50% members belonging to ST category. The units have purchased 50%

of the targeted land for CFC in the name of Cluster and Uttar Banga Krishi Vishwavidyalaya,

Pundibari, Coochbehar has been entrusted for making DPR. Most of the members were advised to

make Udyog Aadhar Registration with the assistance of Br. MSME-DI, Siliguri.

Purulia

Visit to Chow Mask Cluster, Charida, Purulia

Sri Ajoy Bandopadyaya, Director, MSME - DI, Kolkata, visited Chow and Musk Cluster, Charida and

Lac Growing and Processing Cluster, Jhalda on 22.11.2018 along with Sri P. K. Das, Dy Director

(I/c), Br MSME-DI, Durgapur & Suri and Sri Tarak Kansabanik, Asstt. Director, Br MSME-DI, Durgapur &

Suri. Details discussion was done with the SPV members of those clusters.

In Charida, the mask artisans produce paper based masks which are very light in weight. At first

moulds are made and paper based masks are made using

these moulds. All these products are totally handmade.

Common facility centre for all the units in this cluster may

increase their productivity a lot although some special kind of

masks needed to be made by hand.

Director observed the whole product making procedure and

made them understand how installing the CFC will benefit

them. SPV members of Chow and Mask cluster informed

different issues they are facing and Director guided them

accordingly. Director made them understand the benefits of

the MSE-CDP scheme and suggested them that Cluster

~ 18 ~

development will not only increase their productivity but also improve their product quality. They

were also motivated to sell their products online. Officers of MSME-DI made them aware about

different DC (MSME) schemes for their business growth. Besides Mask, they are also making

different decorative items. Proper training may help them to add versatility to their products. There

is huge scope of implementing MSE-CDP scheme in this cluster.

Visit to Lac Growing and Processing Cluster, Jhalda, Purulia

Shri Ajoy Bandopadhyaya, Director, MSME - DI, Kolkataalong with his team of officers visited to the

Shellac Growing and Processing Cluster, Village Jaargo, Jhalda, Purulia on 22.11.18.

The cultivation of Shellac is a source of subsidiary income for a large number of cultivators, most of

them belonging to the economically backward Adivasi communities of Chhotanagpur

(Jharkhand), Purulia district of West Bengal.

Shellac is the scarlet resinous secretion of a number of species of shellac insects. Cultivation begins

when a farmer gets a stick (brood lac) that contains eggs ready to hatch and ties it to the tree to

be infested. Thousands of shellac insects colonize the branches of the host trees and secrete the

resinous pigment. The coated branches of the host trees are cut and harvested as stick lac. The

harvested stick lac is crushed and sieved to remove impurities. The sieved material is then

repeatedly washed to remove insect parts and other soluble material. The resulting product is

known as seed lac. The prefix seed refers to its pellet shape. Seed lac which still contains 3–5%

impurities is processed into shellac by heat treatment or solvent extraction.

Proposed SPV members of this cluster showed

us the whole procedure of shellac cultivation.

The main problem of this cluster is that

cultivation of shellac is done in huge quantity

in this cluster. But due to lack of knowledge

and non availability of machineries they are

selling theses cultivated shellac to other units

who process it and sell the final product to the

market. So, proper training to the farmers and

installation of machineries Director, MSME,

Govt of WB regarding further immediate

action for the rapid development of this cluster

through MSE-CDP scheme will increase their

income level. SPV has submitted a project proposal for training, CFC etc. to the Director,

MSME,Govt. of West Bengal. Telephonic discussion has been done in between Director, MSME-DI,

Shri Ajoy Bandopadhyaya, Director, MSME-DI, Kolkata and his team with the proposed SPV members at village Jaargo, Jhalda, Purulia.

~ 19 ~

Kolkata and Director, MSME, Govt. of WB regarding further immediate action for the rapid

development of this cluster.

Paschim Bardhaman

Industry Visit

Shri Ajay Bandopadhyaya, Director, MSME-DI, Kolkata, Sri P.K.Das, Dy. Director (I/c), Br. MSME-DI,

Suri and Durgapur, Shri Tarak Kansabanik, Assistant Director, Br. MSME-DI, Durgapur visited M/S

Ramaesis RPL., Panagarh,Paschim Bardhaman, M/S Bhagwati Fastners Pvt. Ltd, Bankura, M/S

Kalimata Ispat and Vyaapar, Bankura M/S Anadi Oil Mill,Bankura and Amitava Pal, Bankura. These

are the most successful enterprises in their respective districts. The purpose of the visit was to make

these units aware about different DC (MSME) schemes which will not only increase their

productivity but also improve their product quality. Discussion was also done regarding different

issues and problems those units are facing. Director guided them technically to get rid of those

issues. Director requested to send their story of becoming successful entrepreneurs.

At first, visit was done to the Ramaesis Really Pvt Ltd, Panagarh, Paschim Bardhaman. This is a Bio-

Toilet unit. Shri Arijit Banerjee, Director of the unit showed us the whole procedure of making the

Bio-Toilet. They are also trying to produce e Bio-Toilet. Bio-Toilets are used in Govt Melas, Durga

Pujas and Construction sites as a means to eco-friendly green initiative. Today this is getting

popular not only in project wish list but also in to households who would rather not wait for the

brick and mortar mess. Director, MSME-DI,Kolkata told them to send the story of becoming

successful entrepreneurs which will motivate the prospective entrepreneurs. Director also advised

to make a project on how this product will ultimately make our country clean. This will also help to

make people aware about the benefits of using Bio-Toilet.

~ 20 ~

The district of Maldah in West Bengal has long and rich historical traditions. In early middle ages Gour was

the capital of Bengal and its famous ruins still draw visitors from all over the country. They silently speak of

the splendours of a bygone era. These splendid ruins are also a constant source of inspirations to the people of

Maldah to strive harder to achieve a future as brilliant as their past.

Introduction: Maldah district (also spelled as Maldah or Maldaha) lies

347 km. (215 miles) north of Kolkata, the State Capital. Mango, jute and

silk are the most notable products of this district. The special variety of

mango produced in this region, popularly known by the name of the

district, is exported across the world and is acclaimed internationally.

The folk culture of Gambhira is a feature of the district, being a unique

way of representation of joy and sorrow of daily life of the common

people, as well as the unique medium of presentation on national and

international matters. District headquarters is English Bazar, also known as

Maldah, was once the capital of Bengal.

Brief history of the district

The mention of Maldah was first found in the book of Abul Fazal “Ain-i-Akbari”. It is worth

mentioning that Abul Fazal was the court poet of the great Mughal Emperor Akbar. No specific

history is found about the naming of the district. However, it is assumed that the district has got its

naming by the combination of two separate words i.e. “Mal” and “Daha”. In Sanskrit the word

“Mal” mean ghang or “the elevated land” whereas the word “Daha” in the regional dialect

denote “a part or portion of it”. The later has been suffixed and finally the term becomes Maldah

or Malda. There is another view that the district’s name is derived from the Arabic word ‘Mal’

which means wealth, so ‘Malda’ in Arabic indicates a place where financial transactions are

performed that he has seen many Ashokan stupas at Pundravardhana. From the inscriptions

discovered all over North Bengal as well as the inscriptions found on the Allahabad pillar of

Samudragupta, it is clear that the whole of North Bengal as far east as Kamrup was a part of

Gupta Empire. After the Gupta dynasty, in the beginning of the 7th century AD, the King of

Karnasubarna as well as Gauda, Sasanka ruled independently for more than three decades. From

the middle of the 8th century to the end of the 11th century the Pala dynasty ruled Bengal, the

kings were devoted to Buddhism. It was during their reign that the Jagadalla Vihara (monastery) in

Barindri flourished paralleling with Nalanda, Vikramshila and Devikot.

Gour Era: After the Pala Empire, the Sen Dynasty started and they ruled over Bengal till 1204 AD. At

the time of Lakshman Sen, Goud was known as Lakshmanabati. The Sen kings ruled Bengal till

Bakhtiyar Khalji conquered Bengal in 1204 AD. Afterwards Muslim rule started in Bengal. The name

Mal Daha was coined (Mal = riches, Daha = lake). Noted rulers like Sultan Ilyas Shah, Firuz Shah,

Sikandar Shah, Raja Ganesha, Alauddin Hussain Shah and Nasiruddin Nasrat Shah ruled during the

medieval ages. Later Afghan warrior Sher Shah Suri tried to invade Gour but was driven back by

Mughal Emperor Humayun. It is said that the Emperor, from his love of mango, renamed Gour as

Jannatabad or the garden of heaven. Firuz Shah Tughlaq, Ghiyasuddin and Mughal army

invaded Gour to suppress rebellion several time. Relics of Muslim structures are still present as Firuz

Minar, Adina Mosque (the largest mosque of South Asia then), Qutwali Gate etc. During the

Mughal rule, the capital was removed to Dhaka due to a course change of the river Ganges.

Muslim rule ended in 1757. Koch army invasion increased during the downfall of Gour.

FOCUS DISTRICT - MALDAH

~ 21 ~

Post-Gour Era: After the war of Palasy, the British rule started in Bengal from 1757, not directly but

under the mask of British East India Company. Some indigo plant chambers, trade centres and

offices were established. In the year 1813, Maldah district was formed out of some portion of

outlying areas of Purnia, Dinajpur and Rajshahi districts. Before 1813, the present thanas (police

stations) of Gazole, Maldah, Bamongola and part of Habibpur were in the district of Dinajpur. The

thanas of Harischandrapur, Kharba, Ratua, Manikchak and Kaliachak were in the district of Purnia.

To prevent serious crimes in the thana areas of Kaliachak and Sahebganj and also on the rivers, a

Joint Magistrate and Deputy Collector was appointed at English Bazar, with jurisdiction over a

number of police stations centring that place and taken from the two districts.

Thus, the district of Maldah was born. In the year 1832, a separate treasury was established

followed by posting of a full-fledged Magistrate and Collector in the year 1859. Up to the year

1876, Maldah was a part of Rajshahi Division and then it was 11 included in the Bhagalpur Division.

In 1905, it was again transferred to Rajshahi Division and remained there till 1947. District Maldah

was first affected during the first partition of Bengal in 1905 when it was attached with the newly

created province of Eastern Bengal and Assam. Again, in August 1947 this district was affected by

partition. Between 12–15 August 1947, the fate of the district as to which side it should go, to

Pakistan or to India, was undecided because the announcement of the partition award of Sir

Radcliffe did not make this point clear. During these few days the district was under a Magistrate

of East Pakistan. When the details of the Radcliffe Award were published, the district came over to

West Bengal on 17th August 1947. However, the Sub-division of Nawabganj was severed from

Maldah and was given to East Pakistan as a Sub-division of the Rajshahi district, East Pakistan

(present Bangladesh).

Modern Maldah: After independence Maldah, along with other parts of North Bengal, didn’t

flourished much in terms of development. Later Sri A.B.A. Ghani Khan Chowdhury, who by his

various capacities being minister of different portfolios from state to national ministries of India,

took initiative to develop Maldah. Modern Maldah, as we see today, owes to him and is correctly

referred as the ‘Father of Modern Maldah’. For 28 years, West Bengal was ruled by the opponents

of Khan Chowdhury, who succeeded to establish a unique relation with him and the district

witnessed the fruit of this coalition in industrial sector. Sukhjeet Starch Ltd, East End Silk Ltd. and lots

of other enterprises have increased. East India Agro at Rishipur Anchal, deals with mango pulp

and Raw jute. There is also a GO-NGO partnership on the card, especially artisan-based business

cluster development and SME establishment is within the mission. Maldah has good potential in

Agro Products like mango, jute and silk.

Brief Economic & Political History: In the year 1813, Maldah district was formed out of some portion

of outlying areas of Purnia, Dinajpur and Rajshahi districts. Up to the year 1876, Maldah was a part

of Rajshahi Division and then it was included in the Bhagalpur Division. In 1905, it was again

transferred to Rajshahi Division and remained there till 1947.

After independence Maldah, along with other parts of North Bengal, didn’t flourished much in

terms of development. Later Sri A.B.A. Ghani Khan Chowdhury, who by his various capacities

being minister of different portfolios from state to national ministries of India, took initiative to

develop Maldah. Modern Maldah, as we see today, owes to him and is correctly referred as the

‘Father of Modern Maldah’. For 28 years, West Bengal was ruled by the opponents of Khan

Chowdhury, who succeeded to establish a unique relation with him and the district witnessed the

fruit of this coalition in industrial sector. Sukhjeet Starch Ltd, East End Silk Ltd. and lots of other

enterprises have increased. East India Agro at Rishipur Anchal, deals with mango pulp and Raw

jute. There is also a GO-NGO partnership on the card, especially artisan-based business cluster

development and SME establishment is within the mission. Maldah has good potential in Agro

Products like mango, jute and silk.

~ 22 ~

Administrative Set Up: Maldah is the southernmost of the North Bengal districts and is included

under the Jalpaiguri Division.

Sub Division : 2 (Maldah Sadar and Chanchal)

Police Station : 8

CD Blocks : 15

Municipalities : 2 (Old Maldah & English Bazar)

Cencus Towns : 27

Panchayat Samities : 15

Gram Panchayats : 146

Inhabited villages : 1641 (Total – 1771)

Population : Total – 39,88,845 (Rural – 34,47,185; Urban – 5,41,660)

No. of households : Total – 8,45,089

Industrial scenario such as present infrastructure for industrial development, present industrial

structure and resources in the district (indicate art-based enterprises and other sectors

separately)

Infrastructure:

The district is well networked with other parts of the states through:

Road ways:

National Highway: NH 34

Lane: 2

Length of NH within the district: 69.5 KM

Connected other states: The highway runs through the state of West Bengal and is a

major link with the North Eastern States.

Connected other districts: N-24 Parganas, Nadia, Murshidabad, Uttar Dinajpur

Blocks on the NH: Kaliachak, English Bazar, Gazole.

National Highway: NH 81 (Maldah is originating point of this NH)

Lane: 2

Length of NH within the district: 61 KM

Connected other states: Kora of Bihar

State Highway (SH):

1 SH; SH-10 connecting Maldah, English Bazar, Manikchak, Ratua, Samsi, Gazole (via

NH-81).

Railway: Maldah Town is one of the busiest stations under Eastern Rail ways. All the North Bengal

and North Eastern bound mail/ express trains passes through this station. More over some

passengers’ train towards Katihar of Bihar originate from this station.

Land Custom Station: Mehadipur, a notified Land Custom stations is situated in this district. This

station plays a vital role for trading with Bangladesh.

Other Social Infrastructure:

Technical Education:

• Engineering College: 01

• Polytechnics: 01

• ITI: 01

Health:

Standard health network like district hospital, block hospitals and Private

nursing home/clinics. Super Speciality Hospital is yet to be operational.

~ 23 ~

Banking Infrastructure:

• Lead Bank - UBI Bank and following are the other banks found in the district

SL Name of Bank No. of Branches

1 SBI 32

2 Allahabad 14

3 UBI 29

4 UCO 7

5 CBI 8

6 Union Bank of India 2

7 Bank of India 5

8 PNB 2

Agriculture, Horticulture & Livestock Production:

Maldah Crops/ Veg/ Fruits/

livestock

Rank in

the state

Production,

000’ MT

% to states’

production

Agricultural Produce Sugarcane 1st 212.80 21.26

Cereals 3rd 150.75 12.05

Pulses 3rd 23.79 15.81

Rapeseed & Mustard 5th 38.38 8.66

Vegetables Brinjal 3rd 210.55 7.30

Fruits Mango 1st 196.00 31.60

Litchi 2nd 9.40 11.04

Sapota 4th 2.80 6.40

Live stock product Goat 4th 975506(No) 6.47

Pig 5th 60793 (No) 7.46

Food Processing Industries:

Around 654 units found marketing their products in different markets of the district.

Sector No. of units

Fruits & vegetable processing 31

Cereals & Pulses Processing 190

Confectionery/Biscuit 121

Snacks/Pasta 21

Oil 59

Spices 8 Paddy Processing 40

Diary & Milk 42

Ice Candy 12

Others 130

Total 654

Maldah district without any mineral resource or forest resource is not suitable for establishment of

large-scale factories. On the basis of a good back ground of agriculture and plantation as well

ever-increasing demand Maldah district offers certain industrial prospect.

A number of units belonging to the food processing, silk reeling, power generation and wood

industries in the district are registered under the Factories Act. Almost all of them are localised in

English Bazar Police Station. Rice mill units in food processing industry are located mainly in English

Bazar and Chancha.

The important lines of production in natural resource-based sector in Maldah are cotton weaving,

mango processing, blacksmithy, bidi-making, pottery, carpentry etc.

~ 24 ~

Agro Based Industries:

Cotton-weaving: Among the small-scale and cottage industries, the number of operating units is

the largest in cotton weaving in handloom. The industry is localised mainly in the police stations of

Kaliachak, English Bazar and Manickchak. The main products of this industry are sari and

gamchha.

Sericulture: sericulture is a major economic activity in the district. The district accounts for more

than 80 per cent of the total silk thread produced in the state.

Mango Processing: Mango processing units in the-district has followed as a natural corollary. There

are more than a thousand such units in the district. Most of the units of this industry are located in

the police station of Kaliachak, English Bazar, Ratua, Harishchandrapur and Habibpur.

Makhana (Euryale Ferox) Processing: The production and processing of makhana seeds by

household units is concentrated in Harischandrapur 2 block where large areas are prone to

monsoon waterlogging.

Art Based Industries:

Blacksmithy: Although the blacksmith's trade is carried on throughout the district, its concentration

is observed in the Police Stations of Kaliachak, English Bazar and Kharba.

Jewellery: Manufacturing of gold and silver ornaments is concentrated in the Police stations of

English Bazar, Kaliachak, Ratua and Manikchak.

Pottery: Pottery is another household industry that provides livelihood to many families in the

district. The manufacture of earthenware is localised in the Police stations of Habibpur. Ratua,

Kaliachak, Gazole, Manikchak and Harischandrapur.

Carpentary: Even though the local demand for wooden products has been found to be growing

but slowly, this trade continues to provide a large number of workers in the district. The units

located mostly in English Bazar and Kaliachak P.S. These units produced furniture and other wood

products.

Miscellaneous Industries:

As a household industrial occupation, spinning of silk (other than in mill) is carried on almost

exclusively in Kaliachak P.S.

Bidi-making: In Maldah district, bidi-making is one of the important industries in terms of the

volume of employment offered. Most of the trade is carried on in Kaliachak Police station.

Tailoring: Units are found mainly in the Police Stations of English Bazar, Kaliachak and Kharda.

Major items produced:

Processed Mango Items, Processed Food Items, Honey, Mullberry Silk, Makhana, Pottery Items, Cycle

Tyres, Steel Furniture and other products, Wood products, Plastic items from fresh and recycled plastics,

Vegetable Oil, Rice Bran Oil, Motha Mat, Carpet etc.

~ 25 ~

Employment Generation by Traditional Crafts & Trades in Maldah District

CD Block Families

engaged Concentration of Traditional Trades

Harischandrapur 1 325 Masonry, Cobblery, Black smithy, Gold smithy, Pottery

Harischandrapur 2 258 Makhana processing, Cobblery, Pottery, Jute, Cane &

Bamboo Crafts, Black smithy

Chanchal 1 715 Cobblery, Pottery, Masonry, Black smithy, Gold smithy,

Carpentry

Chanchal 2 2045 Bidi binding, Cobblery, Weaving, Pottery

Ratua 1 655 Bidi binding, Bamboo Crafts, Cobblery, Weaving, Pottery, Black

smithy, Gold smithy, Bengal Bhatta

Ratua 2 1011 Weaving, Bidi binding, Cobblery, Weaving, Oil-pressing, Black

smithy, Dry Fish Processing

Gajol 1835 Brick, Pottery. Cane & Bamboo Crafts, Jute Carpetry, Hand

Paddy-processing

Bamangola 301 Pottery, Cane & Bamboo Crafts, Hand Paddy-processing

Habibpur 375 Idol-making, Pottery, Cane & Bamboo Crafts, Nylon

Ropemaking, Hand Paddy-processing

Old Maldah 425 Weaving, Fodder, Rice Milling, Tailoring, Pottery, Bakery, Bee-

keeping, Cobblery, Tile-making

Englishbazar 229 Weaving, Rice Milling, Tailoring, Pottery, Bakery, Cobblery, Tile-

making, Mango Products, Black smithy, Gold smithy, Carpentry

Manikchak 1359 Mason, Cobbler, Weaving, Pottery

Kaliachak 1 965 Pottery, Weaving, Black smithy, Carpentry. Brick-making, Bidi

binding

Kaliachak 2 345 Pottery, Weaving, Carpentry, Brick-making, Bidi binding

Kaliachak 3 2083 Bidi making, Weaving, Black smithy, Carpentry, Brick-making,

Bengal Bhatta

No. of micro, small and medium enterprises existing in the district:

MICRO SMALL MEDIUM TOTAL

3443 124 3 3570

No. of skilled people available in the district:

Occupational Group 2010 2011 2012 2013 2014

Industrial Supervisory 6274 6547 6821 7214 7466

Skilled & Semi-skilled 7637 7959 8406 8900 9278

Clerical 60195 62866 66016 69795 71926

Educational 5018 5153 5305 5615 5833

Domestic 2541 2669 2809 2970 3064

Unskilled 66001 68760 72015 76241 79444

Others 87671 91207 95010 100670 105626

All groups 235337 245161 256382 271405 282637

Source: Employment Exchanges, Chanchal & Maldah

There are 35,393 SHGs are working in Maldah, producing mainly Mango Products –

Amsattya, Amsi, Aam Kasundi, Mango pickles etc., Non-mango processed edibles – Bori

(Masoor, Matar, Kalai), Rice & Dal papad, Thekua, Naru, Fried dals ready to cook, Spices

etc. Non-food products – Bamboo works, Jute products, Fashion jewellery, crystal

products, kantha stitch etc.

~ 26 ~

No. of clusters and number of units in each cluster:

Name of Block/

Municipality Name of the Cluster Location Trade

No. of

Unit Empl

Old Maldah Honey Processing, Old Maldah Old Maldah Honey

processing 660 1400

Old Maldah Readymade garments,

Parasamondi, Old Maldah Old Maldah Garments 50 60

Ratua II Wooden Furniture, Ratua-II Ratua-II Wood

furniture 50 200

Gazole Wooden furniture, Gazole Gazole Wood

furniture 100 600

Kaliachak I Processing waste plastic,

Sujapur

Sujapur,

Kaliachak Plastic 100 3000

Manikchak Carpet, Dharampur Dharampur Carpet 100 3600

Kaliachak II Wooden Furniture, Kaliachak II Kaliachak II Wood

furniture 30 180

Old Maldah Old Maldah Steel Fabrication Old Maldah Steel

products 33 124

English Bazar Mun. English Bazar Steel Fabrication English Bazar Steel

products 58 152

Kaliachak I Kalia chak Steel Fabrication Kaliachak Steel

products 42 160

Ratua I Ratua Steel Fabrication Ratua Steel

products 44 120

Gazole Gazole Steel Fabrication Gazole Steel

products 24 80

Chanchal I Chanchal Steel Fabrication Chanchal Steel

products 40 165

Manikchak Manik Chak Steel Fabrication Manik Chak Steel

products 26 96

Harishchandrapur-II Harishchandrapur Makna

Cluster Harishchandrapur

Makhna

Processing 250 1000

Gobindapur,

Gazole Gobindapur Motha Mat Cluster Gobindapur Mat 26 104

Sri Goutam Podder

District Nodal Officer,

Murshidabad

Assistant Director (IMT)

MSME-DI, Kolkata

+91 98350 89809

Goutam.msme@gmail.com

For any queries regarding MSMEs in Murshidabad, feel free contact:

~ 27 ~

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RBI releases guidelines on restructuring of advances to MSMEs:

Micro, Small and Medium Enterprises (MSMEs) form an important component of the

Indian economy and contribute significantly to the country’s GDP, exports, industrial

output, employment generation, etc. Considering the importance of MSMEs in the

Indian economy, it is considered necessary at this juncture to take certain measures

for creating an enabling environment for the sector.

The issue of restructuring of MSME accounts was discussed in the meeting of the

Central Board of RBI on November 19, 2018. The matter was also discussed during

RBI’s recent interactions with the banks and other stakeholders.

The above issue has been examined in RBI and a view has been taken to facilitate

meaningful restructuring of MSME accounts that have become stressed. RBI has

decided to permit a one-time restructuring of existing loans to MSMEs that are in

default but ‘standard’ as on January 1, 2019, without an asset classification

downgrade. To be eligible for the scheme, the aggregate exposure, including non-

fund based facilities of banks and NBFCs, to a borrower should not exceed ₹250

million as on January 1, 2019. The restructuring has to be implemented by March 31,

2020. A provision of 5% in addition to the provisions already held, shall be made in

respect of accounts restructured under this scheme. Each bank/NBFC should

formulate a policy for this scheme with Board approval which shall, inter alia, include

framework for viability assessment of the stressed accounts and regular monitoring of

the restructured accounts.

~ 28 ~

BULLETIN BOARD

Proposed Awareness Programme on IPR during last quarter of 2018-19.

Sl

No

Name of Cluster

& Address

Scope of the

programme

Products

of the

Cluster

No of participants Expected

Participants

1 Refractory Brick

Cluster, kulti-

Salanpur Area,

Burdwan -

713343

Technology

Intervention

(Patent), Trade

Mark etc.

Refractory

bricks

SPV members 34

and after

completion of CFC

expected 133 MSE

unit will be

benefited.

50 MSEs

and 20-30

others

2 Plastic Products

Cluster, Rajganj,

Dist Jalpaiguri -

734001

Technology

Intervention

(Patent),

Industrial

Design, Trade

Mark etc

Various

types of

plastic

products

SPV members 34

and 125 micro

units are using

benefits of CFC.

50 MSEs

and 20-30

others

Proposed Udyam Samaagam Programme during last quarter of 2018-19.

Sl

No Region Venue Date Theme

Expected

Participants

1 West Bengal

Swabhumi

Heritage plaza,

Kolkata

19-20

February,

2019

Roadmap for

Growth and

Sustenance of

MSMEs in WB with

special emphasis

on quality

upgradation and

import substitution

250

2 West Bengal

Handicraft

Exhibition Hall,

DIC, Malda

31

January –

1

February,

2019

Conclave of MSME

for conflux,

amalgamate and

harmonies growth

of MSME in North

Bengal with

special emphasis

on Eco-Tourism

200

3 Andaman &

Nicober Islads

Tagore College

Auditorium, Port

Blair

13 - 14

February,

2019

Agro-based

MSMEs and tourism

potential in

Andaman – A

road to El Dorado.

200

~ 29 ~

BULLETIN BOARD

KHADI : Government has been implementing a number of schemes for the holistic development,

promotion of Khadi and to modernize Khadi Sector through Khadi and Village Industries Commission

(KVIC), which include:

(i) Khadi Grant: Strengthening Infrastructure of existing Weak Khadi Institutions and Assistance for

Marketing Infrastructure provides for renovation of khadi sales outlets and providing assistance for

strengthening infrastructure of existing weak selected institutions

Work shed Scheme for Khadi Artisans for providing assistance for construction of work sheds.

(ii) Market Promotion Development Assistance (MPDA): A unified scheme by merging Market

Development Assistance, Publicity, Marketing and Market Promotion. A new component for

Infrastructure namely setting up of Marketing Complexes /Khadi Plazas has been added to expand

the marketing network of Khadi & VI products. Under the Modified Market Development Assistance

(MMDA) financial assistance at 30% of the Prime Cost, is distributed amongst Producing Institutions

(40%), Selling Institutions (20%) and Artisans (40%).

(iii) Khadi Reform and Development Programme (KRDP) aims to revitalize the khadi sector with

enhanced sustainability of khadi, increased incomes and employment for spinners and weavers,

increased artisans’ welfare and to achieve synergy with village industries. Under KRDP, restructured

amount of US$ 105 million has been negotiated with Asian Development Bank (ADB) and funds are

being provided to the Government of India to be released to KVIC as ‘grants-in-aid’ under

budgetary allocation through the Ministry of MSME. Khadi Reform Package envisages reform

support in the following areas: (i) Artisan Earnings and Empowerment, (ii) Direct Reform Assistance to

400 Khadi Institutions & (iii) Implementation of a well-knit Monitoring Information System (MIS).

In order to increase setting up of more Khadi units by entrepreneurs and also by institutions, KVIC

launched an exclusive online portal called “Khadi Institutions Registration and Certification Sewa

(KIRCS)” for filing application for registration of new Khadi units to undertake Khadi activities. 371

number of ‘Khadi Certificates’ have been issued to new Khadi Institutions to undertake Khadi

programme during the last three years. Though no new Khadi Institution formed in Kerala State

during 2017-18, there are already 29 Khadi Institutions functional in Kerala.

Following are the initiatives taken to promote and modernize Khadi sector:

To ensure genuineness of Khadi “Khadi Mark” has been notified by Government of India.

Ministry of Commerce and Industry, Govt. of India has extended KVIC, the status of Deemed EPC,

for supporting promotion of Khadi and Village Industries products in international market. 1088 Khadi

& Village Industries Institutions and REGP/PMEGP Units have taken its membership to enter the field

of export. KVIC through its assisted institutions and units participates in various international

exhibitions:

Tie up arrangement with premier institutions like Federation of Indian Export Organization (FIEO),

World Trade Centre (WTC), Indian Trade Promotion Organization (ITPO), Trade Promotion Council of

India etc., for invigorating business opportunities in the overseas market by conducting exhibitions

and workshops for Khadi Institutions.

KVIC engaged fashion designer of national and international repute for Fashion Designing to make

Khadi products more competitive and appealing in the domestic as well as overseas market

segment.

Assistance would be provided under the MPDA Scheme to the eligible Khadi and Village Industries

(KVI) Institutions for participation in International Exhibitions/Trade Fairs held in foreign countries in

order to showcase KVI products to foreign countries, access international buyers and sellers and

forge business alliances, etc.

Source - PIB bulletin

~ 30 ~

National Motor Replacement Programme

By Energy Efficiency Services Limited (EESL) A JV of PSU’s of Ministry of Power, Govt. of India

About EESL

Established in 2009, EESL is a joint venture of PSUs under Ministry of Power (Govt. of India), like NTPC

Limited, PFC, REC and PGCIL which was set up to create and sustain markets for energy efficiency in

the country. EESL is leading the market related activities of the National Mission for Enhanced Energy

Efficiency (NMEEE), one of the 8 national missions under Prime Minister’s National Action Plan on

Climate Change (NAPCC). Since its inception, EESL has been pioneer in implementing large scale energy

efficiency projects in India through innovative financing and service mechanism. The flagship LED

programmes like UJALA and Street Lights are testimony to EESL’s success stories over last 3-4 years

which has not only created market transformation in energy efficiency but also been able to result

employment, CO2 emission reduction and improving lifestyle of fellow citizens. EESL is engaged with

various stakeholders and entities like end users, electricity utilities, state governments, manufacturers,

service providers, financial institutions, test laboratories and media agencies to bring success to these

program. EESL looks forward to provide investment and transaction based services to Industries in their

effort to transition into an energy efficient and sustainable future.

In recognition of the immense potential for energy efficiency in industries, EESL has made a long-

awaited pivot towards the industrial segment with energy efficient motors as the technology of focus.

Preface

Globally, Industrial sector is known to be the largest electricity consumer, 70% of which is contributed

by electric motor systems alone. In India, about 40% of the total electricity consumption is contributed

by the industrial sector. Electric motor-systems use 28% of total national electricity which is

reasonably high.

Historically, the motors sold (and used by end-users) in India have lower energy efficiencies (IE-1 or

less) than the efficient products technologically available and manufactured. Based on estimation, 90-

95% of the current installed stock of motors is at IE1 & sub-IE1 levels. The issue of multiple rewinding

in the service life of motor(s) further reduces the efficiency drastically. This results in more energy

consumption, hence affects the competitiveness of any business entity.

Recently, Department of Industrial Policy & Promotion (DIPP) has issued a Quality Control order

requiring all imported and domestically manufactured motors to conform minimum IE2 class of

efficiency as per the revised IS:12615 with effect from 1.10.2017. It is a great opportunity for the

motor users to leap frog to the readily available even higher technology like IE3 class of motors. What

we need is a systematic approach and innovative business model to achieve so!

EESL’s National Motor Replacement Program

Riding high on the success of “Demand Aggregation” model in energy efficient products, EESL aims to

SPECIAL FEATURE

~ 31 ~

create an infrastructure to fuel supply for High Efficient Motors (HEMs) adhering to IE-3 standard

through upfront investment, awareness creation, capacity building of manufacturers and developing

success cases to convince decision makers. In the initial phase, it targets the 3-phase LT induction

motors in the capacity range of 1.1 kW to 22 kW preferably directly-coupled with loads like pumps,

fans, blowers, air compressors etc.

After a good consultation with various stakeholders, EESL has designed the Motor Replacement

Programme to encourage the use of energy efficient motors adhering to IE-3 standard by the end

users. The motors replacement programme shall offer appropriate technical specifications keeping in

mind key customer pain points viz. high initial costs, high operating and maintenance costs and quality

of the products.

Benefits

Due to the higher domestic demand, the Indian motor industry’s design and manufacturing

capabilities will advance towards the global best practice level of IE3 at an accelerated pace, and

provide economies of scale for higher exports. The replacement program will create additional skilled

employment in technical services, financial services, manufacturing, sales, installation, after sales

services, recycling etc. The final beneficiaries (at the level of the overall objectives) are shown in below

figure:

EESL Model # 1: Supply Contract /Project Management Consultancy

(PMC) Model:

In this model, the end user shall bear the product cost whereas EESL provides the PMC support to the

users. The PMC support includes the following:

Motor load survey: Estimation of baseline inventory and energy consumption through structured and

scientific approach (Optional)

Finalization of the scheme for replacement: Number of motors to be replaced, technical

specifications, estimation of energy saving, investment requirement etc.

Procurement of Motors: Through open competitive bidding

Supply of Motors to User Site: Facilitation/Management of supply of motors to the user site with due

co-ordination with the supplier

Warranty Obligation: Ensuring the warranty obligation with the supplier

Update in National Motor Dashboard: Estimated Energy Saving and other benefits to be reflected in

• A firm demand for energy efficient motors

• Reduced demand for electricity and better peak load management

• Energy Cost Reduction

• Brand building • Access to superior

'green' product

• Market expansion - replacement market

• Advantage through EESL's business model

• Reduced power shortages

• Energy Security

• Meet climate change goal of India

Mo

tor

Man

ufa

ctu

rers

Go

vern

me

nt

& U

tilit

ies

Cu

sto

me

r

Nat

ion

~ 32 ~

a national dashboard

One time PMC fees is payable to EESL in lieu with above responsibilities which is about 10% of the

material cost. The payment terms will be mutually decided between the end user and EESL.

EESL Model # 2: Shared Saving/ Energy Servicing Company (ESCO) Model:

In this model, the entire upfront investment will be done by EESL in addition to the PMC activities as

described above. Here, the project cost will therefore be material cost plus PMC fees plus the interest

rate on debt and return on equity of the EESL investment. The repayment to EESL by the user will be

done through Equated Quarterly Instalments (EQIs) for three year period.

It is observed that the repayment amount to EESL by the end-user is about 50-70% of the monetized

savings accruing through the improvement in efficiency of the motor. A typical example of cost benefit

analysis for 50 motors is shown below

Case Example:

Number of Motors: 50 nos.

Baseline Efficiency Class: IE-1

Baseline Parameters: 5.5 kW , efficiency 84.7%, loading 70%, 313 days/annum, 20 hours/day

New Parameters: Efficiency class IE-3, 5.5 kW , efficiency 89.6%, loading 70%, 313 days/annum, 20

hours/day

Baseline Annual Energy consumption: 14,22,727 kWh (=50X(5.5/0.847)X0.7X313X20)

New Annual Energy consumption: 13,44,922 kWh (=50X(5.5/0.896)X0.7X313X20)

Annual Energy Saving: 77805 kWh (=14, 22,727-13, 44,922)

Cost for Supply contract/PMC model:

Cost of per motor = INR 6,73,000 for 50 motors @ INR 13,471 per motor (discovered through open bidding)

PMC Fee to EESL = 10% of (INR 13,471* 50) = INR 0.67 lakhs +

18% GST Cost for Shared Saving model:

S. No. Particulars UNIT Values

1 Estimated Annual Energy Savings kWh 77805

2 Fixed Tariff, Rs. per kWh Rs. Per KWh 8

3 Estimated Annual Cost Savings Rs. Per year 622440

4 Investment for 50 motors (INR)- (Inclusive of all taxes) Rs. 874250

5 Estimated Capital Cost of the project (S.no. 4) Rs. 874250

6 Equity Portion (20% of capital cost) Rs. 174850

7 Return on Equity (23.7%) Rs. 41439

8 Debt portion (80% Cost of capital) Rs. 699400

9 Debt Interest (11%) Rs. 76939

10 Total Estimated Repayment to be made by client to EESL (6+7+8+9)

Rs. 992628

11 Contract Period Years 3

12 Payout to EESL annually (10/11) Rs. 3,30,877

13 EESL Share (12/3) % 54%

14 EESL Quarterly repayment Rs. 82,720

15 No. of repayments Quarterly 12

The above calculations are indicative only which may alter due to change in electricity tariff, material

~ 33 ~

Selected Manufacturers by EESL: Crompton Greaves, Siemens, ABB Ltd., Bharat Bijlee Ltd.

Price Advantage by EESL: About 30-35% reduction from market price in each rating

cost and PMC fees from project to project. The estimation of energy saving and the payment

mechanism to EESL will be clearly defined in the ‘Agreement’ between EESL and client.

Program Attributes

Attributes Typical Model EESL’s Model

Replaced product type Sub-standard or Non-IE 3 motors High Efficient IE 3 motors Warranty 18 months from delivery date 36 months from delivery date

Capital Investment Invested by end user ESCO Mode*

PMC Mode** Motor Installation By users By users

Pricing Retail price offered by manufacturers

30-35% reduction from retail price – discovered through

open bidding Selection of Product Direct purchase or bidding Open competitive bidding

* Entire Investment is done by EESL – No upfront financial burden

** Project Management Consultancy (PMC) support is onetime payment cost of services to EESL

Energy Saving through Pilot Demonstration by EESL

EESL undertook pilot studies of 36 motors on pan India basis. By quantifying the energy saving and

potential of implementation of 36 nos. of IE3 motors across the

different motor ratings chosen to be procured as a part of Phase-1.

Type of Industries: Brass, Textile and Automobile.

% k

Wh

Sav

ings

~ 34 ~

Overall Average Energy Saving Observed: 13 – 15 %

Type of Load: Compressors, pumps, fans and blowers.

Result: Power Savings were observed across all the pilot

installations of IE3 motors, which varied across different

installations due to difference in operating parameters. Various

benefits are derived after retrofitting IE3 motors which are (4.9 to

39.7%) kWh saving, (0.6 to 2.2%) increase in speed, (8.4 to 17%)

less in bearing temperature, (3 to 5.6%) less vibration (Horizontal

& Vertical).

kWH Saving (%) Linear (Max) Application Min Max

Motor Capacity (kW)

0.0 22.0 15.0 11.0 2.2 3.7 5.5 7.5

4.9 C, 5.7

P, 6.0 C, 7.7

C, 6.0 B, 5.2 B, 5.2 5.0

B, 6.0

P, 6.3

C, 8.7 C, 7.7 EF, 11.3 P, 5.5 10.0

B, 6.8 C, 5.6 B, 8.1 P, 7.0

P, 9.4

P, 8.9 15.0

P, 14.6 B, 15.6 B, 15.8

P, 19.4 20.0

C, 20.6 P, 21.0 B, 20.0

B, 23.3 25.0

EF, 26.9 30.0

EF, 34.0 P, 28.9

C-Compressor EF-Exhaust Fan

P-Pump B-Blower

C, 36.4 C, 35.7 C, 38.3

P, 37.9

35.0

40.0 P, 39.7 B, 37.8

45.0

% kWh Savings in Various Motor Capacity-IE3

Methodology to Participate in the Program

The program flow activities are mentioned in the below figure.

To initiate your query or further discussion with EESL, you may contact:

Mr. S P Garnaik

Chief General Manager

(Technical) Energy Efficiency

Services Limited

Tel: +91-120-4908002, Email: spgarnaik@eesl.co.in

Alternatively, you may please log on to www.motor.eeslindia.org for sending your query

Typical Timelines

S. No. Activity Timeline (Days)

A Receipt of Query from client Day 0

B Submission of draft proposal by EESL Day 5

C Letter of Intent from client to EESL Client dependent

D Motor load survey (Optional) 15 Days (from C)

E Submission of revised proposal 2 Days (from D)

F Letter of Acceptance by client to EESL Client dependent

G Agreement signing 15-20 Days (from F)

H Procurement of materials by EESL and supply to client 45-60 Days (from G)

I Completion certificate by client to EESL Maximum 180 Days (from H)

J Payment to EESL As per agreement

Key Technical Specification

Parameters Specifications (As per IS 12615)

Type 3-Phase, LV Induction Motor

Pole 4

Mounting Foot Mounted

Voltage (V) 415 V (±10%)

Frequency (Hz) 50 Hz (±5%)

Efficiency Class IE-3

Ratings (kW) 1.1, 1.5, 2.2, 3.7, 5.5, 7.5, 11, 15, 22

Project Closure

Loan repayment/Upfro

nt payment by client to EESL

Completion Certificate by client to EESL

Installation by client

Delivery of the goods to customer

Placement of order to motor

supplier by EESL

Formal PO by client to EESL (if

necessary)

Signing of Agreement with

client

Letter of Acceptance by client to EESL

Motor Load survey (Optional)

Letter of Intent from Client to

EESL

Draft Proposal submission by

EESL

Motor Enquiry from Client (E- mail/Webportal)

~ 35 ~

Udyami Bangla Vol: II, January 2019

BRAVEHEART WITH A HUMANE TOUCH

It is a matter of pride and pleasure to report that Smt. Santi Saha, a casual worker of MSME-

DI, Kolkata has shouldered the noble humanitarian responsibility of saving a human life,

almost singlehandedly.

In the afternoon of 8th December (Saturday), Smt. Santi Saha along with her elder sister Lila

Saha were busy with their regular household chores at their residence in Jirat Road, Habra,

North 24-Parganas when news reached them that a young woman has met with a terrible

train accident at the nearby Habra Railway Station.

Without thinking twice or battering an eyelid Smt. Santi Saha ran to

the Habra Railway Station in their neighbourhood and saw that a

young woman of about 30 years old was lying in a pool of blood on

the railway tracks after having fallen from a running local train and

was bleeding profusely from a broken skull. There was commotion

everywhere and people crowded around the accident spot but no

single hand came forward to lift up the ill-fated accident victim or

carry her to the hospital. Showing immense courage and humanity,

Smt Santi Saha ran to the victim, Tiajmira Bibi and carried her to the

nearby hospital after arranging for a local toto.

With immediate treatment at the Emergency Cell of the Hospital, the victim survived and

recovered from the trauma. Smt. Santi’s efforts and magnanimous will-power helped to save

a human life. When asked about her actions. Smt. Santi humbly replied that nothing in life is

more important than life itself. She opined that people usually do not come forward to help,

fearing police interrogations or legal hassles. But she has never faced such problems in her

course of life, while providing assistance to accident victims. For a noble and worthy case, all

other aspects become irrelevant for this brave lady.

Railway police of Habra Station / Bongaon GRP has rewarded Smt. Santi for her courageous

act and has acknowledged that such kind and thoughtful deeds would really help to save

human lives.

MSME-DI, Kolkata

salutes Smt. Santi for

her dedication to

humanity, her kindness

and exemplary

courage. A tireless

worker, who has been

serving our Institute as

a casual work for

about 10 years, has

taught us that when

we are at the

receiving end, we feel

grateful but if we can

rise to give and

sacrifice our best, we feel honoured.

Our heartfelt blessings and best wishes are always with Smt. Santi and her family. The glorious

example set by her deeds will surely help to give a purpose to our lives.

~ 36 ~

Udyami Bangla Vol: II, January 2019

M S M E - D E V E L O P M E N T I N S T I T U T E W I S H E S

A L L T H E U D Y A M I s

Micro, Small & Medium Enterprises - Development Institute 111-112, B. T. Road, Kolkata –700108

Phone 033-25770597/98

director@msmedikolkata.gov.in, dcdi-kolkatta@dcmsme.gov.in

www.msmedikolkata.gov.in

like our page : www.facebook.com/msmedikolkatanews