Timely Availability of Loan for MSMEs in Jharkhand and Gujarat




Timely Availability of Loan for MSMEs in Jharkhand and Gujarat 

The Reserve Bank of India (RBI) has issued detailed guidelines to all scheduled commercial banks on lending to micro, small and medium enterprises (MSME) sector which, inter alia, provide for a time frame for disposal of loan applications, loan limit for dispensing the collateral requirement and sub-targets for micro enterprises within the MSE lending. Following the recommendations of the Prime Minister’s Task Force on MSMEs (2010), the RBI has advised the banks, to achieve a 20 per cent year-on-year growth in credit to micro and small enterprises, to allocate 60% of the MSE advances to the micro enterprises and to ensure 10% annual growth in number of micro enterprise accounts. 


As per the results of Fourth All India Census of Micro, Small & Medium Enterprises (MSME) and Economic Census 2005 available in Annual Report 2013-14, the number of working enterprises in MSME sector was 361.76 lakh in the year 2006-07. As per the All India Census, The number of MSMEs in Jharkhand and Gujarat ware 6.75 lakh and 21.78 lakh respectively in the year 2006-07. 

To facilitate easy flow of credit to Micro, Small and Medium Enterprises (MSMEs), the Government launched Credit Guarantee Fund Scheme for Micro and Small Enterprises in August, 2000 under which guarantee cover is provided for collateral free credit extended to micro and small enterprise (MSEs). The Reserve Bank of India (RBI) has issued guidelines in May, 2010, which mandatorily require banks to dispense without collateral requirement for loans upto Rs.10.00 lakh to MSEs. The Ministry also implements Prime Minister’s Employment Generation Programme and Credit Linked Capital Subsidy Scheme, wherein margin money and capital subsidy respectively bring down the effective cost of loan. The Government is also promoting investment in MSME sector through Schemes in the area of marketing, infrastructure, technology, skill development and competiveness namely, Marketing Development Programme, Cluster Development Programme, Entrepreneurship Development Programme and National Manufacturing Competiveness Programme etc. 

This information was given by the Minister of State, Micro, Small and Medium Enterprises, Shri Giriraj Singh in the Rajya Sabha today. 

*****

Central Tool Rooms in the Country 

10 Tool Rooms are presently functional in the country. The State-wise list of 10 Tool Rooms  is:



Government have approved a Programme titled “Technology Centre Systems Programmes (TCSP)” under which 15 new Technology Centres (Tool Rooms) are to be established, and the existing Technology Centres are to be upgraded. The estimated cost of the Programme is Rs. 2200 crore (including World Bank loan assistance of USD 200 Million). The Programme is to be implemented over a period of 6 years. The Programme Steering Committee (PSC) have so far identified 9 locations for establishing new Technology Centres (Tool Rooms). A list of locations identified for establishing new Technology Centres (Tool Rooms) is:



In order to outreach the activities of Tool Rooms, especially skill development activities, Tool Rooms have also established their Extension Centres at various locations. A list of Extension Centres of Tool Rooms is:



The list of existing Tool Rooms, their Extension Centres and proposed new Tool Rooms under TCSP are given at Annexure-I, II & III respectively, as per which the industrially backward districts of the country (including that of Madhya Pradesh and West Bengal) are suitably covered to provide training facilities to the aspiring candidates in various technical fields. 

This information was given by the Minister of State, Micro, Small and Medium Enterprises, Shri Giriraj Singh in the Rajya Sabha today.

*****

Scheme to give Impetus to Young Entrepreneurs 

The Ministry of MSME has been implementing a credit-linked subsidy scheme named ‘Prime Minister’s Employment Generation Programme (PMEGP)’ through Banks with Khadi and Village Industry Commission (KVIC) as nodal agency at national level for generating employment in the country by setting up of micro-enterprises in the non-farm sector. Micro enterprises may graduate to small and medium enterprises over a period of time and many schemes are available with Ministry to support micro enterprises to grow as small and further medium scale enterprises.

 The Ministry of MSME released subsidy of Rs. 1010.23 crore in the    year 2011-12, Rs. 1228.44 crore during the year 2012-13, Rs. 988.36 crore during 2013-14 and Rs. 1380 crore has been allocated for the current year  i.e. 2014-15 under PMEGP. PMEGP Scheme was launched on 15th August 2008.


2011-12

Sr.
No.
        State/UT
Margin
money
subsidy
released
(Rs. lakh)
Margin
money
subsidy
utilized #
(Rs. lakh)
Number of
 projects
 assisted
Estimated 
employment
generated
(No. of persons)
1
Jammu& Kashmir
2780.57
2983.42
1920
15360
2
Himachal Pradesh
1141.28
1152.51
809
4248
3
Punjab
1695.61
1756.94
899
4622
4
UT Chandigarh
0.00
39.98
38
144
5
Uttarakhand
1123.74
1059.62
894
6942
6
Haryana
1396.25
1353.79
786
7418
7
Delhi
213.02
189.69
195
906
8
Rajasthan
3684.10
3518.29
2075
14955
9
Uttar Pradesh
18851.45
18599.43
5569
59901
10
Bihar
7417.30
9873.73
4887
35193
11
Sikkim
0.00
113.87
64
253
12
Arunachal Pradesh
349.25
431.63
375
1516
13
Nagaland
695.46
1155.94
556
6545
14
Manipur
630.42
869.51
564
3142
15
Mizoram
508.00
723.57
418
3404
16
Tripura
2868.06
2539.45
1812
16079
17
Meghalaya
833.42
1228.13
712
3273
18
Assam
4035.14
5544.99
5280
44205
19
West Bengal
5581.67
5581.67
5806
61092
20
Jharkhand
3620.64
3486.33
2372
7116
21
Odisha
4220.87
4194.51
2259
20905
22
Chhattisgarh
3182.97
3306.12
1510
10345
23
Madhya Pradesh
5172.54
5419.41
1943
16256
24
Gujarat*
6101.97
6147.35
1863
18662
25
Maharashtra **
4730.07
4548.95
2705
24661
26
Andhra Pradesh
5568.30
5497.37
1672
37336
27
Karnataka
3863.96
3872.13
1852
14971
28
Goa
215.22
296.12
155
2467
29
Lakshadweep
0.00
10.52
12
25
30
Kerala
2910.66
2928.85
1629
9195
31
Tamilnadu
7383.44
7164.15
3228
43473
32
Puducherry
164.32
79.22
72
361
33
Andaman & Nicobar Islands
83.22
116.47
204
552

Total
101022.92
105783.66
55135
495523
                 #  including un-utilized  balance funds of previous year.
                * including Daman & Diu.                                                                
               ** including Dadra & Nagar Haveli
2012-13

Sr.
No.
        State/UT
Margin
money
subsidy
released
(Rs. lakh)
Margin
money
subsidy
utilized# (Rs. lakh)
Number of
projects
assisted
Estimated
employment
generated
(No. of persons)
1
Jammu& Kashmir
3667.37
3413.99
2036
 17452
2
Himachal Pradesh
1449.60
1350.84
916
4522
3
Punjab
1691.03
1417.92
770
5206
4
UT Chandigarh
135.38
68.63
55
239
5
Uttarakhand
1979.18
2043.16
1426
8368
6
Haryana
1898.29
1511.38
927
4867
7
Delhi
368.98
133.52
161
1284
8
Rajasthan
6737.25
6223.97
2623
21252
9
Uttar Pradesh
14789.65
12968.42
4529
49883
10
Bihar
7234.44
7669.08
3150
19106
11
Sikkim
216.09
88.49
49
283
12
Arunachal Pradesh
290.74
296.50
261
2364
13
Nagaland
1049.83
1101.32
436
5570
14
Manipur
1057.31
1098.49
660
3541
15
Mizoram
724.52
545.82
517
3201
16
Tripura
2867.73
2441.35
1604
10228
17
Meghalaya
1194.87
869.07
458
2160
18
Assam
6614.04
5801.15
7336
26976
19
West Bengal
7326.41
7382.49
6632
52624
20
Jharkhand
3396.37
3423.46
2297
11466
21
Odisha
7937.60
7518.67
3735
29937
22
Chhattisgarh
4456.80
3714.39
1748
12026
23
Madhya Pradesh
9831.73
9097.43
3201
27825
24
Gujarat*
5640.48
3304.67
1066
11095
25
Maharashtra **
6875.19
6794.14
3640
22358
26
Andhra Pradesh
7190.36
5655.41
1968
17982
27
Karnataka
6318.62
3580.73
1251
10103
28
Goa
387.68
83.87
46
355
29
Lakshadweep
0
0
0
0
30
Kerala
3265.49
3343.35
1872
12396
31
Tamilnadu
6084.27
4916.28
2244
32723
32
Puducherry
17.00
83.79
54
294
33
Andaman & Nicobar Islands
149.75
124.62
216
560

Total
  122844.05      
108066.40
57884
428246
           #  including un-utilized  balance funds of previous year.
           * including Daman & Diu.                                                                     
            ** including Dadra & Nagar Haveli
2013-14

Sr.
No.
        State/UT
Margin
money
subsidy
released
(Rs. lakh)
Margin
money
subsidy
utilized #
(Rs. lakh)
Number of
projects
assisted
Estimated
employment
generated
(No. of persons)
1
Jammu& Kashmir
2994.07
3226.20
1855
12301
2
Himachal Pradesh
1742.71
1613.84
1112
5188
3
Punjab
2993.38
2477.06
979
7629
4
UT Chandigarh
202.70
59.11
55
385
5
Uttarakhand
2246.04
2099.99
1236
7335
6
Haryana
1550.54
2075.51
935
5866
7
Delhi
0
164.74
142
1136
8
Rajasthan
3331.20
4064.94
1280
13471
9
Uttar Pradesh
13988.57
15104.91
4354
44044
10
Bihar
8136.60
7725.19
3121
20013
11
Sikkim
0
108.09
66
255
12
Arunachal Pradesh
963.25
889.42
657
6570
13
Nagaland
1882.67
1125.77
421
4373
14
Manipur
1750.20
1591.34
733
5277
15
Mizoram
1210.87
886.40
777
5050
16
Tripura
1109.32
2225.25
1307
9074
17
Meghalaya
759.19
600.13
397
1386
18
Assam
3619.41
7393.07
8255
29332
19
West Bengal
6017.77
5596.72
3216
24189
20
Jharkhand
4508.29
4533.11
2612
13062
21
Odisha
3629.32
4075.76
2146
16653
22
Chhattisgarh
2559.67
2118.61
921
6106
23
Madhya Pradesh
9038.13
7973.02
2462
19442
24
Gujarat*
2522.22
4401.81
914
14777
25
Maharashtra **
4327.19
4737.62
2186
20183
26
Andhra Pradesh
3036.32
4610.54
1453
18200
27
Karnataka
5295.41
7837.31
2778
25752
28
Goa
0
143.86
79
412
29
Lakshadweep
0
3.18
4
8
30
Kerala
2710.19
2756.94
1505
11507
31
Tamilnadu
5839.78
5216.93
2268
29107
32
Puducherry
484.25
43.17
43
170
33
Andaman & Nicobar Islands
387.02
164.94
224
654

Total
98836.38
107644.48
50493
378907
           #  including un-utilized  balance funds of previous year
           * including Daman & Diu                                                                      
            ** including Dadra & Nagar Haveli

2014-15 (as on 31.01.2015)

Sr.
No.
        State/UT
Margin
money
annual
targets        
(Rs. lakh)
Margin
money
subsidy
utilized (Rs. lakh)
Number of
projects
assisted
Estimated
employment
generated
(No. of persons)
1
Jammu& Kashmir
3368.84
1368.37
816
5240
2
Himachal Pradesh
1991.88
1143.52
598
3069
3
Punjab
2993.38
2102.95
743
4422
4
UT Chandigarh
405.40
35.45
27
135
5
Uttarakhand
2246.04
886.74
547
2991
6
Haryana
3101.28
1887.81
700
3500
7
Delhi
1161.61
46.13
42
336
8
Rajasthan
6662.38
2897.13
1145
9219
9
Uttar Pradesh
17073.57
7666.89
2246
22425
10
Bihar
11073.19
635.52
230
1368
11
Sikkim
638.59
19.42
7
28
12
Arunachal Pradesh
1926.51
45.48
43
347
13
Nagaland
1882.67
821.31
401
2329
14
Manipur
1750.20
270.16
107
575
15
Mizoram
1210.87
245.87
229
1832
16
Tripura
1387.58
213.87
162
1451
17
Meghalaya
1518.37
473.75
171
1368
18
Assam
7238.82
1377.63
1516
4204
19
West Bengal
6017.77
2385.68
1382
12142
20
Jharkhand
5887.94
1552.34
836
4185
21
Odisha
7258.63
1782.86
987
5605
22
Chhattisgarh
4520.12
251.31
130
483
23
Madhya Pradesh
10170.42
4019.79
1197
9576
24
Gujarat*
5150.22
4613.85
884
9412
25
Maharashtra **
7985.19
3051.09
1289
9307
26
Andhra Pradesh
3522.13
1254.65
324
4336
27
Telangana
2550.51
855.62
298
3076
28
Karnataka
5295.41
2937.65
1163
10617
29
Goa
633.60
141.76
78
406
30
Lakshadweep
1082.31
28.61
31
93
31
Kerala
2710.19
1838.74
943
6850
32
Tamilnadu
5839.78
3973.98
1641
21181
33
Puducherry
968.50
50.46
28
190
34
Andaman & Nicobar Islands
776.13
46.77
84
201


138000.00
50923.16
21025
162499
                   * including Daman & Diu. 
                  ** including Dadra & Nagar Haveli

This information was given by the Minister of State, Micro, Small and Medium Enterprises, Shri Giriraj Singh in a written reply to a question in Rajya Sabha today.
*****

Potential of Renewable Energy in Desert Areas 

The Ministry of New and Renewable Energy (MNRE) had assigned a study to the Power Grid Corporation of India Ltd (PGCIL) to identify likely renewable power potential in desert regions in the states of Rajasthan (Thar), Gujarat (Rann of Kutch), Himachal Pradesh (Lahul&Spiti) and Jammu & Kashmir ( Ladakh). This was stated by Sh. Piyush Goyal, Minister of state for Power, Coal & New and Renewable Energy (IC) in a written reply to a question in the Lok Sabha today. 

The Minister further stated that in December 2013, the PGCIL had submitted a study report titled “Desert Power India- 2050” assessing renewable power potential, transmission infrastructure requirement, balancing reserve etc in the identified desert regions. The report has assessed the total available potential of 315.7 GW of solar and wind power in these regions. The report has further estimated that the investment requirement for harnessing the available potential upto 2050 would be Rs 43,74,550 crore. 

The investments in renewable energy power projects are mainly by private sector. Government provides some incentives in the forms of generation based incentives, viability gap funding. Besides, fiscal incentives such as accelerated depreciation, concessional customs duty, excise duty exemption, income tax holiday for 10 years and preferential tariff are provided for renewable energy power projects, the Minister added. 


**********

Production of Bio-Gas 


            The estimated State-wise production of biogas from family type biogas plants and large biogas plants installed in the country under different programmes of the Ministry of New and Renewable Energy during the 11th Five Year Plan period is given below:-

Sl. No.
Name of State
Biogas production
(in Lakh cubic metres)
1.
Andhra Pradesh
9969.60
2.
Arunachal Pradesh
58.82
3.
Assam
1616.33
4.
Bihar
2325.94
5.
Chhattisgarh
527.63
6.
Goa
71.83
7.
Gujarat
8731.94
8.
Haryana
1112.13
9.
Himachal Pradesh
842.47
10.
Jammu & Kashmir
47.44
11.
Jharkhand
107.19
12.
Karnataka
8213.62
13.
Kerala
2399.30
14.
Madhya Pradesh
5713.25
15.
Maharashtra
15297.74
16.
Manipur
38.80
17.
Meghalaya
146.30
18.
Mizoram
72.40
19.
Nagaland
95.83
20.
Odisha
4402.65
21.
Punjab
2966.70
22.
Rajasthan
1235.30
23.
Sikkim
144.66
24.
Tamil Nadu
5261.66
25.
Tripura
53.25
26.
Uttar Pradesh
7765.80
27.
Uttarakhand
531.37
28.
West Bengal
6213.70
TOTAL :
85963.53

About 6.10 lakh family type biogas plants were installed during the 11th Five Year Plan against a target of 6.47 lakh plants under the National Biogas and Manure Management Programme. This was stated by Sh. Piyush Goyal, Minister of state for Power, Coal & New and Renewable Energy (IC) in a written reply to a question in the Lok Sabha today.The marginal shortfall in achievement was reported to be due to increase in cost of construction of biogas plants.
           

The Minister further stated that as per an evaluation study carried out by an independent agency, about 95% of the surveyed biogas plants installed during the 11th Five Year Plan were found to be functional. With a view to increase the pace of setting up of biogas plants, use of alternative materials such as ferro-cement, high density polyethylene, fiber reinforced   plastics and poly-vinyl chloride for making biogas plants and / or its components has been developed and standard specifications brought out for their use, the Minister added.

**************

Green Energy Corridor Project 

A Green Energy Corridor project for evacuation of renewable energy from generation points to the load centres by creating intra-state and inter-state transmission infrastructure is under implementation in renewable resource rich states for the likely renewable power capacity addition during 12thFive Year Plan period, i.e., by March 2017. This was stated by Sh. Piyush Goyal, Minister of state for Power, Coal & New and Renewable Energy (IC) in a written reply to a question in the Lok Sabha today. The intra-state transmission component of the project is being implemented by the respective states and the Power Grid Corporation of India (PGCIL) is implementing inter-state transmission component. 


*******

Investment in Renewable Enery Sector 

            Details of the banks and financial institutions which have submitted Green Energy Financing Commitments for financing upto 2021-22 in the recently held RE-INVEST 2015 are given below:-

S.No.
Name of the Company
Capacity
(in MW)
Amount
(in Rs/Crore)
1
State Bank of India
15000
75000
2
ICICI Bank
7500
37500
3
L&T Finance Holdings Limited
6500
32500
4
IR E Development Agency Ltd.
6000
30000
5
PTC India Financial Services Ltd.
6000
30000
6
Yes Bank Pvt. Ltd.
5000
25000
7
II Finance Co. Ltd.
4000
20000
8
IDBI Bank Ltd.
3000
14700
9
Power Finance Corporation
3000
15000
10
Bank of Baroda
2500
12500
11
Axis Bank
2000
10000
12
Bank of India
2000
10000
13
Union Bank of India
1500
7500
14
Bank of Maharashtra
1500
7500
15
Andhra Bank
1000
5000
16
South Indian Bank Ltd.
600
3000
17
HDFC Bank
400
2000
18
Indian Overseas Bank
400
2000
19
Punjab National Bank
500
2500
20
Canara Bank
320
1600
21
State Bank of Mysore
285
2000
22
State Bank of Travancore
250
1250
23
Indian Bank
220
1100
24
Dena Bank
200
1000
25
United Bank of India
200
1000
26
Vijaya Bank
200
1000
27
Lakshmi Vilas Bank
200
1000
28
State Bank of Patiala
100
500
29
Oriental Bank of Commerce
80
240
30
Bhartiya Mahila Bank
50
250

Total
70505
352640

 Ministry of New and Renewable Energy has initiated the process of interactions with State Governments to facilitate the fulfillment  of the commitments received in the RE-INVEST 2015.This was stated by Sh. Piyush Goyal, Minister of state for Power, Coal & New and Renewable Energy (IC) in a written reply to a question in the Lok Sabha today.


*******



Timely Availability of Loan for MSMEs in Jharkhand and Gujarat Timely Availability of Loan for MSMEs in Jharkhand and Gujarat Reviewed by Ajit Kumar on 7:56 PM Rating: 5

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