The document discusses opportunities for existing MSMEs and new startups in India under the Atma Nirbhar Bharat (Self-Reliant India) initiative. It outlines economic support packages that include automatic collateral-free loans for MSMEs, credit support for street vendors, interest subvention for small business loans, and funds allocated for agriculture infrastructure and food entrepreneurs. New opportunities exist in import substitution, increasing exports, and sectors like healthcare, education technology, organic farming and artisanal businesses. The goal of the initiative is to strengthen local manufacturing and supply chains to transform India into a self-reliant $5 trillion economy by 2025.

1. Atma Nirbhar Bharat
(Self-Reliant India)
Opportunities to Existing MSMEs
and For New Startups
Presentation By:
Dr Milind Kamble
Founder Chairman DICCI

2. Atma Nirbhar Bharat or Self-Reliant India
• Hon’ble PM Narendra Modi, while addressing the nation on 12th May 2020, announced a
special economic package for an Atma Nirbhar or Self-reliant India.
• The comprehensive economic package, valued at INR 20 lakh crore, is equivalent to
approximately 10% of India’s GDP.
• The economic package, taken together with
– earlier announcements by GoI during the COVID-19 outbreak and
– decisions taken by RBI to infuse liquidity within the economy, is worth INR 20 lakh crore
• The package is aimed at providing
– the much needed financial & policy support,
– Impetus to the cottage industry and MSMEs in India
• GoI has also announced a host of bold reforms to attract investment, enhance the ease of
doing business and strengthen the Make in India initiative.

3. Five Pillars of Self-Reliant India
Hon’ble PM Narendra Modi outlined the following five pillars for building a self-reliant India:
– Economy:
• To bring quantum jump and not incremental change.
• The government’s goal is to make India a USD 5 Tn economy by 2025.
– Infrastructure:
• Which will become India’s new identity.
• To achieve the target of a USD 5 Trillion economy.
• More than INR 100 lakh crore will be invested in infrastructure development in India over the next five years.
– Systems
• Preparedness for 21st century technology driven arrangements.
– Vibrant Demography
• Which will prove to be a competitive advantage for a self-reliant India.
– Demand
• To utilize countries full capacity and channelize it for Manufacturing, Services and Agriculture.

4. Focused Areas of Economic Package ‘Vocal-for-Local’
• The economic package focuses on:
– Land
– Labour
– Liquidity
– Laws
• The package has been devised to give a thrust to,
– Local manufacturing
– Local markets, and
– Local supply-chains-
• The entire scheme focuses on providing impetus to the Make in India initiative and
transforming local Indian companies into global brands.

5. Atma Nirbhar Bharat is ‘Make In India 2.0’
"Make in India" is a initiative which was launched on 25 September 2014 with three major
objectives:
a) to increase the manufacturing sector's growth rate to 12-14% per annum in order to increase
the sector's share in the economy;
b) to create 100 million additional manufacturing jobs in the economy by 2022; and
c) to ensure that the manufacturing sector's contribution to GDP is increased to 25% by 2022
(later revised to 2025).
• The policy approach was to
– Create a conducive environment for investments,
– Develop modern and efficient infrastructure, and
– Open up new sectors for foreign capital
• The initiative targeted 25 economic sectors for job creation and skill enhancement, and
aimed "to transform India into a global design and manufacturing hub".

6. Make in India: Outcome
• Ease of Doing Business- India jumped to 63rd place from 142 nd ranking out of 190 countries.
• Top 10 FDI Destinations in the World - India ranked as the 9th largest recipient of FDI in 2019
according to World Investment Report 2020 by United Nations Conference on Trade and Development
(UNCTAD)
• India has become promising economy from Fragile five economies
• Global Innovation Index- India ranked as the 52nd most innovative nation in the world in the
Global Innovation Index released by World Intellectual Property Organization (WIPO)
• Ecosystem Created for Start Ups

7. Atma Nirbhar Bharat
[Support – 1 for Existing MSMEs]
• Collateral free Automatic loan for MSMEs- 3.0 lakh Cr
• MSMEs have been badly affected due to COVID 19 Need additional funding for
operational liabilities , buy raw material
• Decision - Emergency Credit line to MSMEs from Bank & NBFCs upto 20% entire
outstanding credit as on 29 February , 2020. [Banks sanction Rs 1.63 lakh crore to 42 lakh
MSMEs under credit guarantee scheme as of now, disbursements against this stood at Rs
1,13,713 lakh crore till September 3 ]
Loan to have 4 years tenor with 12 month moratorium,
• No Guarantee fee, no fresh co lateral
• 100% credit guarantee cover on principal & Interest
• 45 lakh units can resume business & safeguard jobs
• Stressed MSME (NPA) revival fund – 20,000 Cr
• Fund of Fund for Start Ups – 50,000 Cr

8. Atma Nirbhar Bharat
[Support -2 for Street Vendors & Mudra]
• Street Vendors & MUDRA Shishu loonies (Nano Entrepreneurs) have been disrupted and most
impacted due to Covid19 pandemic
• Loans worth ₹40,473 crore have been sanctioned to small businesses in the first four months of the
current financial year under the Pradhan Mantri Mudra Yojana, despite the Covid-19 pandemic
• Special Credit facility for Street vendors – 5000 Cr
• Initial working capital upto Rs 10,000
• Working capital would be enhanced for good repayment behavior.
• Will support nearly 50 lakh street vendors
• Interest subvention for MUDRA – Shishu loans Relief of - 1500 Cr.
• Govt of India will provide Interest Subvention of 2% for prompt payees for period of 12 month
• Loan moratorium has been already granted by RBI
• Global tenders will be disallowed in Government procurement tenders upto Rs 200 crores

9. Opportunities for Startups
[Agriculture 1]
•
• Agri Infrastructure fund – 1 lakh Cr
– Will support –Agri Entrepreneurs & Agri Start – Ups.
– Agri co-operative Society, FPO .
• Micro Food Entrepreneurs ( MFE) – 10,000 Cr
– Will be created - 2 lakh MFE , also supported - FPO and SHG
– The scheme is 60:40 (Centre & state)35% Subsidy, operations via portal
– Project cost ceiling Rs 10 lakh, At 9.35% rate of interest.
• Pradhan Mantri Matsya Sampada Yojana – 20,000 Cr
– Will support – Marin , Inland & Aquaculture Fishing
– Target –Employment 55 lakh & Export of 1 lakh Cr
• National Animal Disease Control Programme – 13,343 Cr
– Great opportunity - Veterinary professionals –for startups like - Vet on wheels.

10. Opportunities for Startups
[Agriculture 2]
• Animal Husbandry Infrastructure Development Fund- 15,000 Cr
– Aim to Support – Private investment in Dairy processing , Value addition & Cattle feed infrastructure
– Incentives to be given - for establishing plants for Export of niche Products.
• Promotion of Herbal Cultivation – 4,000 Cr
– National Medicinal Plants Board (NMPB) set up target – convert 10 lakh hectare will be covered under herbal
cultivation, Subsidy 30,50 70% per acre .
– Opportunity- farmers, FPO, Tribal youths & start ups
• Beekeeping Initiatives – 500 Cr
– Livelihood supporting Activity – For Rural areas and thrust on women capacity Building.
– It will help 2 lakh beekeepers.
• Operation Green – TOP to TOTAL – 500 Cr
– It will be extended as Tomato, Onion & Potatoes (TOP) to all Fruits 7 Vegetables (Total)
• Opportunity
– Logistic entrepreneurs will get 50% subsidy on transportation from surplus to Deficient Market.
– 50 % Subsidy on Storage, Including Cold Storages.

11. Opportunities for Indian Starts Ups – 1
[Work on Import Substitute for Atma Nirbhar Bharat]
India Imports - $ 514 billion FY 2018 -19
A - Products imported
1 Agri product - 8.1%
2 fuel & mining - 30%
3 Manufacturing - 51.7%
4. Others - 10.2%
B - Main Import Partners
1 Arab league – 19.88
2 China – 68.10
3 ASEAN – 11.53
4 European union – 11.35
5 United states – 6.92
6 Hong Kong – 3.50
7 South Korea – 3.26
8 Japan – 2.48
9 others – 27.4

12. Opportunities for Indian Starts Ups - 2
[To Enhance Export for Atma Nirbhar Bharat]
India Export - $ 330 billion FY 2018 -19
A – Products Exported
1. Agri product - 12.80
2 . fuel & mining - 13.80
3. Manufacturing - 70.50
4. Others - 2.90
B - Main Import Partners
1 Arab league – 17.37
2 China – 17.97
3 ASEAN – 11.38
4 European union – 17.34
5 United states – 15.18
6 Hong Kong – 3.94
7 South Korea – 3.26
8 Japan – 1.47
9 Shri Lanka – 1.43
10 others – 26.11
India’s imports from China
during April-July 2020
decreased to US$ 16.60 billion
from US$ 23.45 billion in the
corresponding period of the
previous year.
[Govt. of India]

13. Future Opportunities in Atmnirbhar Bharat
• Skill Development
• Yoga & Meditation
• Ayurveda
• Healthcare
• Bio-Tech R&D
• E-Learning
• Software Development
• Database Management and Security
● Social Media
● Digital Library
● Social Networking
● E-Commerce
● Video Conferencing
● Organic Agriculture
● Dairy, Fisheries and Cow based enterprises
● Handicraft and Art based Business
"Today the schemes that have been initiated, the thought behind that is that
our villages become pillars of an 'Atmanirbhar Bharat'. The attempt is that
now in this century - Blue Revolution means work related to fisheries, White
Revolution means dairy work, Sweet Revolution means honey production. It
will enrich our villages further, strengthen them.”
Hon’ble Shri Narendra Modi, Prime Minister

14. Thank You