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Icwai Pus 8708
Icwai Pus 8708
Icwai Pus 8708
Icwai Pus 8708
Icwai Pus 8708
Icwai Pus 8708
Icwai Pus 8708
Icwai Pus 8708
Icwai Pus 8708
Icwai Pus 8708
Icwai Pus 8708
Icwai Pus 8708
Icwai Pus 8708
Icwai Pus 8708
Icwai Pus 8708
Icwai Pus 8708
Icwai Pus 8708
Icwai Pus 8708
Icwai Pus 8708
Icwai Pus 8708
Icwai Pus 8708
Icwai Pus 8708
Icwai Pus 8708
Icwai Pus 8708
Icwai Pus 8708
Icwai Pus 8708
Icwai Pus 8708
Icwai Pus 8708
Icwai Pus 8708
Icwai Pus 8708
Icwai Pus 8708
Icwai Pus 8708
Icwai Pus 8708
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Icwai Pus 8708

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  • 1. MSMEs – Role of Professionals - Experience sharing P UDAYA SHANKER Head, Centre for Industrial Credit & Financial Services School of Enterprise Management
  • 2. Coverage
    • MSME act
    • Credit linked capital subsidy scheme
    • Credit guarantee fund for small industries
    • Venture capital
    • Marketing assistance for SSI products
    • Technology development & modernisation
    • Cluster development
    • National manufacturing competitiveness and capacity building
  • 3. Coverage
    • Micro credit
    • ISO certification
    • Intellectual property rights
    • Delayed payments to small industries
    • Credit rating
    • Rajiv Gandhi Udyami Mitra Yojna
  • 4.
    • Micro, Small & Medium Enterprises Development (MSMED) Act, 2006
  • 5.
    • Classification of enterprises
      • Manufacture/production of
      • goods
      • Providing/rendering of
      • services
  • 6.
    • Manufacturing enterprises
      • Investment limit
      • Plant and machinery
      • Excluding land & building
  • 7.
    • Micro enterprises –
    • upto Rs.25 lakh
  • 8.
    • Small enterprises –
    • above Rs.25 lakh &
    • upto Rs.5 crore
  • 9.
    • Medium enterprises - above Rs.5 crore &
    • upto Rs.10 crore
  • 10.
    • Services enterprises
      • Investment in equipment
      • Excluding land & building
    • No relation with turnover or
    • manpower engaged
  • 11.
    • Micro enterprises –
    • upto Rs.10 lakh
  • 12.
    • Small enterprises –
    • above Rs.10 lakh &
    • upto Rs.2 crore
  • 13.
    • Medium enterprises - above Rs.2 crore &
    • upto Rs.5 crore
  • 14.
    • Credit Linked Capital Subsidy Scheme
      • Technology up-gradation
      • Select sectors
      • 15 per cent upfront to MSME
  • 15.
    • Credit Guarantee Fund Scheme for Small Industries (CGFSI)
      • Collateral free lending upto Rs.25 lakh
  • 16.
    • Venture capital scheme
      • Innovative
      • Not qualified for conventional financing
  • 17.
    • Marketing assistance scheme
    • for SSI products
      • Specialised organisations
      • Marketing assistance
      • Infrastructure
      • Support services
  • 18.
      • Market related activities:
      • R&D
      • Product up-gradation & standardisation
      • Advertising, branding, catalogue
      • Audio visual aids
      • Trade fairs and exhibitions, sales promotion tours
      • Distribution networks, showrooms/
      • retail outlet/ware housing
      • Training of personnel
  • 19.
    • Technology Development and Modernisation Scheme (TDMFS)
      • New/existing SSI, generally private limited companies
      • Equipment
      • Technical know how
      • Designs, drawings
      • Up-gradation of process
      • technology and products, packaging
      • TQM and ISO 9000
  • 20.
    • Industries Cluster Development
    • Programme (SICDP)
    • Micro & Small Enterprises
    • Cluster Development
    • Programme - Technology
    • upgradation for a group of
    • MSMEs of one industry
  • 21.
    • National Manufacturing Competitiveness Programme (NMCP) Schemes
    • Scheme for Capacity Building - Strengthening of database and advocacy by industry/enterprise associations
  • 22. Micro Credit Scheme
    • Micro Finance Institutions (MFIs)
    • Having network and experience in small saving-cum-credit programmes
    • Self-Help Groups (SHGs), Federation of SHGs, Non-Banking Finance Companies dealing with poor, specialised co-operative societies, etc.
    • Rating
  • 23.
    • ISO 9000/ISO 14001 Certification
    • Reimbursement Scheme
    • Acquiring Quality Management System (QMS) ISO 900 certification/ environment management (EMS)
    • ISO 14001 certification
    • To the extent of 75% or
    • Rs.75,000 whichever is lower
    • For SSIs/ancillary/tiny/SSSBE
  • 24. Intellectual property rights
    • Patents and registration under geographical indications of goods
    • Domestic patents Rs.25,000 grant
    • Foreign patent Rs.2 lakh grant
    • Geographical indications Rs.1,00,000 grant
  • 25.
    • Delayed payments to micro and small enterprises
      • Make payment on or before date agreed in writing
      • In no case, period agreed in writing shall exceed 45 days from the day of acceptance/deemed acceptance
  • 26.
    • Where buyer fails to make payment
      • Liable to pay compound interest with monthly rests
      • (3) three times of the bank rate
    • Annual accounts to furnish information of unpaid amount with interest
      • Principal amount and interest due thereon (shown separately)
  • 27.
    • Report on amount of interest and amounts paid during each accounting year
    • Amount of interest due/payable for period of delay in making payment (which have been paid but beyond the appointed day during the year) but without adding the interest
    • Amount of interest accrued and remaining unpaid; and
  • 28.
    • Amount of further interest due and payable even in succeeding years, until such date when interest dues are actually paid
    • Amount of interest payable or paid, shall not, for the purposes of computation of income, allowed as deduction. (Interest not to be allowed as deduction from income .)
  • 29. Credit rating of small enterprises
    • NSIC
    • Empanelled agencies: ICRA, ONICRA, Dun & Bradstreet, CRISIL, FITCH and CARE, SMERA  
  • 30. Rajiv Gandhi Udyami Mitra Yojna (RGUMY)
    • First generation entrepreneurs –
    • stages
    • Selection of enterprises to financing by agencies
    • Legal formalities
    • Follow up
  • 31.
    • Building of data base for products and services in specific locations
    • Model formats for project report preparation
    • Drawing of long term perspective for enterprise sustenance
    • Establishing linkages with the suppliers and customers
    • Empanelling experts in various fields of operation
  • 32.  
  • 33.  

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