ELECTRICALSELECTRICALS

PRESENTED BY:PRESENTED BY:ZAHID ZAHID

ASIFASIFVIRENDERVIRENDER

ELECTRICALSELECTRICALS

ELECTRICALELECTRICAL: a branch of : a branch of engineering that deals with the engineering that deals with the practical application of electricity practical application of electricity especially as related to especially as related to communications, the distribution of communications, the distribution of power, and the design and power, and the design and operation of machinery and operation of machinery and equipment.equipment.

ELECTRICALSELECTRICALS COMPONENTSCOMPONENTS: Broad categories: Broad categories 1. Electrical connectors1. Electrical connectors 2. Capacitors2. Capacitors 3. Electronic component distributors3. Electronic component distributors 4. Electric power systems components4. Electric power systems components 5. Electrical wiring5. Electrical wiring 6. Electromagnetic components6. Electromagnetic components 7. Photo detectors7. Photo detectors 8. power cables8. power cables 9. Light fixtures Capacitors9. Light fixtures Capacitors 10. Resistive components10. Resistive components 11. Semiconductor devices11. Semiconductor devices 12. Signal cables12. Signal cables 13. Switches13. Switches 14. Transducers14. Transducers 15. Types of lamp15. Types of lamp 16. vacuum tubes16. vacuum tubes

Chosen three of themChosen three of them

1.Internal lights.1.Internal lights.

2.Street Lights.2.Street Lights.

3.Intelligent Street lights.3.Intelligent Street lights.

WHY STATE PUNJAB?WHY STATE PUNJAB?➔ ➔ According to the 2011 Indian Census, the population of Indian Punjab is 27,704,236 (malesAccording to the 2011 Indian Census, the population of Indian Punjab is 27,704,236 (males 14,634,819 & females 13,069,417)14,634,819 & females 13,069,417)

➔ ➔ 1.Ludhiana population of 1,613,878.1.Ludhiana population of 1,613,878. 2.Amritsar population of 1,183,761.2.Amritsar population of 1,183,761. 3.Jalandhar population of 903,775.3.Jalandhar population of 903,775. 4.Patiala population of 404,686.4.Patiala population of 404,686. 5.Bathinda population of 285,813.5.Bathinda population of 285,813.

➔ ➔ All the cities and towns of Punjab are connected by four-lane national highwaysAll the cities and towns of Punjab are connected by four-lane national highways. (impt). (impt)

➔ ➔ The literacy rate in Punjab is 75%, male literacy being 80.23% and female literacy 68.36%.The literacy rate in Punjab is 75%, male literacy being 80.23% and female literacy 68.36%.

➔ ➔ The total length of road network in the State is 50,506 km.The total length of road network in the State is 50,506 km.

➔ ➔ For thermal power, the State has power stations at Bathinda, Ropar and Lehra Mohabbat.For thermal power, the State has power stations at Bathinda, Ropar and Lehra Mohabbat.

➔ ➔ The State has a domestic airport at Chandigarh (12 kilometers from the city); an The State has a domestic airport at Chandigarh (12 kilometers from the city); an international airport at Rajasansi (about 11 kilometers from the main city) ; and two international airport at Rajasansi (about 11 kilometers from the main city) ; and two aerodromes at Patiala and Sahnewal (Ludhiana).aerodromes at Patiala and Sahnewal (Ludhiana).

➔ ➔ The length of the rail routes passing through the State is around 3,726.06 km. Chandigarh, The length of the rail routes passing through the State is around 3,726.06 km. Chandigarh, Ludhiana, Amritsar, Ferozepur and Jalandhar.Ludhiana, Amritsar, Ferozepur and Jalandhar.

GOVT. LAWGOVT. LAW

Companies Act,1956/2013Companies Act,1956/2013 The Indian Contract Act,1872.The Indian Contract Act,1872. The Industries (Development and Regulation) Act The Industries (Development and Regulation) Act

1951.1951. Trade Unions Act; the Competition Act, 2002; the Trade Unions Act; the Competition Act, 2002; the

Arbitration and Conciliation Act,Arbitration and Conciliation Act, 1996.1996. The Foreign Exchange Management Act (FEMA),1999.The Foreign Exchange Management Act (FEMA),1999. laws relating to intellectual property rights as well as laws relating to intellectual property rights as well as

laws relating to labour welfare.laws relating to labour welfare. http://business.gov.in/legal_aspects/index.phphttp://business.gov.in/legal_aspects/index.php

Punjab govt. rulePunjab govt. rule ELECTRONIC WINGELECTRONIC WING ALLOCATION OF BUSINESS RULES:-ALLOCATION OF BUSINESS RULES:- All matters relating to:-All matters relating to:-

Promotion, development and regulation of electronics in Promotion, development and regulation of electronics in the State.the State.

The Punjab State Electronics Development and The Punjab State Electronics Development and Production Corporation Limited and companies owned, Production Corporation Limited and companies owned, managed or promoted by it in the Joint Sector.managed or promoted by it in the Joint Sector.

TelecommunicationsTelecommunications All matters relating to the subject of electronics of All matters relating to the subject of electronics of

generic nature and relating to any scheme or the generic nature and relating to any scheme or the Acts of acquisition of land etc. Acts of acquisition of land etc. 

http://punjab.gov.in/department;jsessionid=6AB1http://punjab.gov.in/department;jsessionid=6AB1CEA2D7D7C35EFE3DE37E0A089493CEA2D7D7C35EFE3DE37E0A089493

http://punjab.gov.in/industries-and-commercehttp://punjab.gov.in/industries-and-commerce

Some of the Requirements to Some of the Requirements to open companyopen company

Obtain PAN Number from Income Tax Department.Obtain PAN Number from Income Tax Department. Open a Current AccountOpen a Current Account Register Your Company ( Pvt. Ltd / Public Limited)Register Your Company ( Pvt. Ltd / Public Limited) Register for VAT / Sales TaxRegister for VAT / Sales Tax Excise Duty (Check Applicability)Excise Duty (Check Applicability) Shop & Establishment ActShop & Establishment Act Customs DutyCustoms Duty File Entrepreneurship Memorandum at DIC (optional)File Entrepreneurship Memorandum at DIC (optional) Apply for TANApply for TAN Find State Specific Guidelines & ProcedureFind State Specific Guidelines & Procedure Permissions Required at the Construction StagePermissions Required at the Construction Stage Post Construction ClearancesPost Construction Clearances Employee's Provident FundEmployee's Provident Fund Employees State Insurance (ESI) SchemeEmployees State Insurance (ESI) Scheme

http://smallb.in/checklist-starting-new-business?http://smallb.in/checklist-starting-new-business?field_company_type_tid=429&field_industry_type_tid=441field_company_type_tid=429&field_industry_type_tid=441

Sales Volume Sales Volume Rs. 2 crore Rs. 2 crore Import Value Import Value Rs. 30 lakhRs. 30 lakh No of Staff No of Staff 20 20 Year of Establishment Year of Establishment 1991 1991 No of Production Lines No of Production Lines 3 3 Export Markets Export Markets South Asia, Africa South Asia, Africa Import Markets Import Markets Singapore, Hong Kong Singapore, Hong Kong Investment on Manufacturing Equipment Investment on Manufacturing Equipment Rs. Rs.

50 lakh 50 lakh OEM Service Provided OEM Service Provided Yes Yes No of Engineers No of Engineers 5 5 Monthly Production Capacity Monthly Production Capacity Goods worth Rs. Goods worth Rs.

1 crore.1 crore.

Product RangeProduct Range 1. 1. LED Lights includingLED Lights including

a. Internal lights (3W-18W)a. Internal lights (3W-18W)b. Street Lights (27-250W)b. Street Lights (27-250W)c. Intelligent Street lightsc. Intelligent Street lightsd. Industrial Lightsd. Industrial Lightse. Low Voltage Inspection Lightse. Low Voltage Inspection Lightsf.  LED Dimming Solutions.f.  LED Dimming Solutions.2. 2. Solar Street lights/ Signage board lightsSolar Street lights/ Signage board lights3. 3. Solar power solutions for residences & Solar power solutions for residences & othersothersa. Solar/AC Inverter Charger (300-4KVA)a. Solar/AC Inverter Charger (300-4KVA)b. Solar Inverter (250-1KVA)b. Solar Inverter (250-1KVA)4. 4. Solar Grid solutions for Institutions Solar Grid solutions for Institutions (Projects)(Projects)a.Campus Lightinga.Campus Lightingb.Power Management   b.Power Management   c.Projectsc.Projects5. 5. LED Drivers & Support electronicsLED Drivers & Support electronics

Different loans Different loans

SBISBI 1.SBI TERM LOAN1.SBI TERM LOAN

2. CGTMSE (Credit Guarantee Fund Trust for Micro and 2. CGTMSE (Credit Guarantee Fund Trust for Micro and Small Enterprises )Small Enterprises )

3.Business Loan 3.Business Loan

1.SBI TERM LOAN1.SBI TERM LOAN Interest rate is linked to the base rate (10%)Interest rate is linked to the base rate (10%) Amount :Upto 1 croreAmount :Upto 1 crore Repayment 5 to 7 years.Repayment 5 to 7 years.

SME Care CentersSME Care Centers Punjab, Chandigarh Punjab, Chandigarh Phone no.= 0172-2702434 Phone no.= 0172-2702434 E mail : dgmsme1.lhocha@sbi.co.in E mail : dgmsme1.lhocha@sbi.co.in

CHECK LIST OF DATA TO BE CHECK LIST OF DATA TO BE KEPT READY BY THE CUSTOMERKEPT READY BY THE CUSTOMER

(TO BE GIVEN TO THE NEW CUSTOMERS BY (TO BE GIVEN TO THE NEW CUSTOMERS BY BRANCH)BRANCH)

1.Proof of identity – Voter’s ID Card/ Passport/ Driving License/ PAN 1.Proof of identity – Voter’s ID Card/ Passport/ Driving License/ PAN Card/signature identification from present bankers of proprietor, Card/signature identification from present bankers of proprietor, partner or Director (if a company).partner or Director (if a company).

2.Proof of residence – Recent telephone bill, electricity bill, property tax 2.Proof of residence – Recent telephone bill, electricity bill, property tax receipt/passport/ Voter’s ID Card of proprietor, partner or Director (if a receipt/passport/ Voter’s ID Card of proprietor, partner or Director (if a company).company).

3. Proof of business address3. Proof of business address4. Proof of Minority4. Proof of Minority

5. Last three years balance sheets of the units along with income/sales 5. Last three years balance sheets of the units along with income/sales taxtax

returns etc. returns etc. (APPLICABLE FOR ALL CASES FROM RS. 2 LACS AND(APPLICABLE FOR ALL CASES FROM RS. 2 LACS ANDABOVE)ABOVE). However, for cases below fund-based limits of Rs.25 lacks if. However, for cases below fund-based limits of Rs.25 lacks ifaudited balance sheets are not available, then unaudited balance sheets audited balance sheets are not available, then unaudited balance sheets

arearealso acceptable as per extant instructions of the bank. For cases of Rs.25also acceptable as per extant instructions of the bank. For cases of Rs.25lacks and above, the audited balance sheets are necessary.lacks and above, the audited balance sheets are necessary.

6. Memorandum and articles of association of the Company/ Partnership Deed 6. Memorandum and articles of association of the Company/ Partnership Deed of partners etc.of partners etc.

7. Assets and liabilities statement of promoters and guarantors along with7. Assets and liabilities statement of promoters and guarantors along withlatest income tax returns.latest income tax returns.

8. Rent Agreement (if business premises on rent) and clearance from 8. Rent Agreement (if business premises on rent) and clearance from pollution control board if applicable.pollution control board if applicable.

9. SSI registration if applicable.9. SSI registration if applicable.

10. Projected balance sheets for the next two years in case of working capital10. Projected balance sheets for the next two years in case of working capitallimits and for the period of the loan in case of term loan. limits and for the period of the loan in case of term loan. (APPLICABLE FOR(APPLICABLE FORALL CASES FROM RS. 2 LACS AND ABOVE)ALL CASES FROM RS. 2 LACS AND ABOVE)..

11. In case of takeover of advances, sanction letters of facilities being availed11. In case of takeover of advances, sanction letters of facilities being availedfrom existing bankers/ Financial Institutions along with detailed terms andfrom existing bankers/ Financial Institutions along with detailed terms andconditions.conditions.

12. Profile of the unit (includes names of promoters, other directors in the12. Profile of the unit (includes names of promoters, other directors in thecompany, the activity being undertaken, addresses of all offices and plants,company, the activity being undertaken, addresses of all offices and plants,shareholding pattern etc. shareholding pattern etc. (APPLICABLE FOR CASES WITH EXPOSURE(APPLICABLE FOR CASES WITH EXPOSUREABOVE Rs.25 LACS).ABOVE Rs.25 LACS).

13.Last three years balance sheets of the Associate/Group Companies 13.Last three years balance sheets of the Associate/Group Companies (If (If any).any).

(APPLICABLE FOR CASES WITH EXPOSURE ABOVE Rs.25 LACS)(APPLICABLE FOR CASES WITH EXPOSURE ABOVE Rs.25 LACS)

14. Project report (for the proposed project if term funding is required) 14. Project report (for the proposed project if term funding is required) containing details of the machinery to be acquired, from whom to be containing details of the machinery to be acquired, from whom to be acquired, price, names of suppliers, financial details like capacity of acquired, price, names of suppliers, financial details like capacity of machines, capacity utilization assumed, production, sales, projected machines, capacity utilization assumed, production, sales, projected profit and loss and balance sheets for the next 7to 8 years till the profit and loss and balance sheets for the next 7to 8 years till the proposed loan is to be paid, the details of labour, staff to be hired, proposed loan is to be paid, the details of labour, staff to be hired, basis of assumption of such financial details etc. basis of assumption of such financial details etc. (APPLICABLE FOR (APPLICABLE FOR CASES WITH EXPOSURE ABOVE Rs.25 LACS).CASES WITH EXPOSURE ABOVE Rs.25 LACS).

15. * Review of account containing month wise sales (quantity and value 15. * Review of account containing month wise sales (quantity and value both), production (quantity and value), imported raw material (quantity both), production (quantity and value), imported raw material (quantity and value), indigenous raw material (quantity and value), value of and value), indigenous raw material (quantity and value), value of stocks in process, finished goods (quantity and value), debtors, stocks in process, finished goods (quantity and value), debtors, creditors, bank's out standings for working capital limits, term loan creditors, bank's out standings for working capital limits, term loan limits, bills discounted. (APPLICABLE FOR CASES WITH EXPOSURE limits, bills discounted. (APPLICABLE FOR CASES WITH EXPOSURE ABOVE Rs.25 LACS).ABOVE Rs.25 LACS).

16. Photocopies of lease deeds/title deeds of all the properties being 16. Photocopies of lease deeds/title deeds of all the properties being offered as primary and collateral securities.offered as primary and collateral securities.

17. Position of accounts from the existing bankers and confirmation about 17. Position of accounts from the existing bankers and confirmation about thethe

asset being Standard with them (In case of takeover).asset being Standard with them (In case of takeover).

18. Manufacturing process if applicable, major profile of executives in the18. Manufacturing process if applicable, major profile of executives in thecompany, any tie-ups, details about raw material used and their company, any tie-ups, details about raw material used and their

suppliers,suppliers,details about the buyers, details about major competitors and the details about the buyers, details about major competitors and the

company'scompany'sstrength and weaknesses as compared to their competitors etc.strength and weaknesses as compared to their competitors etc.

(APPLICABLE FOR CASES WITH EXPOSURE ABOVE Rs.25 LACS).(APPLICABLE FOR CASES WITH EXPOSURE ABOVE Rs.25 LACS).(The checklist is only indicative and not exhaustive and (The checklist is only indicative and not exhaustive and

depending upon the local requirements at different places depending upon the local requirements at different places addition could be made as per necessity)addition could be made as per necessity)

http://www.sbi.co.in/portal/web/interest-rates/interest-rateshttp://www.sbi.co.in/portal/web/interest-rates/interest-rates

https://sbiforsme.sbi.co.in/SME/loanProducts.htm?execution=e1s2https://sbiforsme.sbi.co.in/SME/loanProducts.htm?execution=e1s2

https://sbiforsme.sbi.co.in/SME/loanProducts.htm?execution=e2s2#https://sbiforsme.sbi.co.in/SME/loanProducts.htm?execution=e2s2#

2. CGTMSE (Credit Guarantee 2. CGTMSE (Credit Guarantee Fund Trust for Micro and Small Fund Trust for Micro and Small

Enterprises )Enterprises ) This scheme was:This scheme was: made in 2001 to give the loan for small made in 2001 to give the loan for small

and medium enterprise to setup an and medium enterprise to setup an industries. industries.

Under this scheme :Under this scheme : An enterprenuer can take loan upto 1 An enterprenuer can take loan upto 1

crore to setup an industries from any bank crore to setup an industries from any bank without any security or collateral and third without any security or collateral and third party guarantee.party guarantee.

Eligible lending institutions:Eligible lending institutions: The eligible lending Institutions, on entering with an agreement with The eligible lending Institutions, on entering with an agreement with

CGTMSE, become Member Lending Institutions (MLIs) of CGTMSE.CGTMSE, become Member Lending Institutions (MLIs) of CGTMSE. MLIs incude banks like PNB,SBI,BOI etc.MLIs incude banks like PNB,SBI,BOI etc.

Eligible borrowers:Eligible borrowers: New as well as existing Micro and Small Enterprises.New as well as existing Micro and Small Enterprises.

Rehabilitation assistanceRehabilitation assistance For the unit covered under CGTMSE and becoming sick due to For the unit covered under CGTMSE and becoming sick due to

factors beyond the control of management, assistance for factors beyond the control of management, assistance for rehabilitation extended by the lender could also be covered under rehabilitation extended by the lender could also be covered under the scheme provided the overall assistance is within the credit cap the scheme provided the overall assistance is within the credit cap of Rs.100 lakh.of Rs.100 lakh.

Non-Eligibility:Non-Eligibility: Any facility given on the basis of collateral security or third Any facility given on the basis of collateral security or third

party guarantee shall be disqualified for coverage under the party guarantee shall be disqualified for coverage under the scheme. The Trust also reserves the right to reject any scheme. The Trust also reserves the right to reject any application for the guarantee cover, if it deems necessary.application for the guarantee cover, if it deems necessary.

3. Business Loan 3. Business Loan Loan FeatureLoan Feature Loan Amount Loan Amount Upto Rs 5 croreUpto Rs 5 crore Interest Rate Interest Rate 12.50-13.00%12.50-13.00% Tenure Tenure Maximum 5 yearsMaximum 5 years Pre Payment Charges Pre Payment Charges Not providedNot provided Service Charges Processing Service Charges Processing

charges:charges:1% of the loan amount 1% of the loan amount

http://www.loanboss.com/business-loan-http://www.loanboss.com/business-loan-india/state-bank-of-india.htmlindia/state-bank-of-india.html

Eligibility Criteria : Business LoanEligibility Criteria : Business Loan Self Age Self Age Age criteria not providedAge criteria not provided Income Income Income criteria not providedIncome criteria not provided Job Experience Job Experience Job experience not Job experience not

providedprovided Residence Proof Residence Proof Residence proof Residence proof

not providednot provided

Docs Required :Docs Required : Business Business LoanLoan

Self ID Proof Self ID Proof PANcard/votersID/passport/driving license.PANcard/votersID/passport/driving license.

Address Proof Address Proof Recent telephone bill/electricity Recent telephone bill/electricity bill /property tax receipt/passport/voters ID bill /property tax receipt/passport/voters ID

DOB Proof DOB Proof 10th class certificate10th class certificate Financial DocsFinancial Docs Bank Statements (latest 6 months bank Bank Statements (latest 6 months bank

statement/passbook)statement/passbook) Latest ITR along with computation of income, Latest ITR along with computation of income,

B/S & P&L a/c for the last 2 yrs. certified by a B/S & P&L a/c for the last 2 yrs. certified by a CACA

Qualification proof of the highest professional Qualification proof of the highest professional degreedegree

Other ChargesOther Charges : N/A : N/A