The document provides information about various schemes and initiatives by the Ministry of Micro, Small and Medium Enterprises (MSME) in India to support MSMEs. It discusses schemes that provide loans, credit guarantees, funding support, skill development programs, and a single-window portal called CHAMPIONS to address MSME grievances and needs. The document also provides details on the objectives, eligibility criteria, nature of assistance for schemes like the Emergency Credit Guarantee Scheme, Subordinate Debt for Stressed MSMEs, and the Public Procurement Policy for MSMEs.

1. 1

2. 2
Their are about 63.05 million micro industries, 0.33 million small, and about
5,000 medium enterprises in the country. The state of Uttar Pradesh has the
largest number of estimated MSMEs with a share of 14.20 percent of the
total MSMEs in the country.
List of MSMEs in India
Source :https://www.financialexpress.com/

3. 3
The value for MSME’s share of exports was $147.4 billion while last
year till September MSMEs exported goods worth $78.5 billion,
Import Export By MSMEs
Source: https://www.india-briefing.com/news/micro-small-
medium-enterprises-india-explainer-17887.

4. CHAMPIONS
- An Initive by Government of India
Creation and Harmonious Application
of Modern Processes for Increasing the Output
and National Strength

5. 5
● To help the MSMEs in this difficult situation in terms of finance, raw materials,
labor, permissions, etc.
● To help the MSMEs capture new opportunities including manufacturing of
medical items & accessories.
● To identify the sparks, i.e., the bright MSMEs who can withstand at present and
become national and international champions.
Objectives of Champions

6. 6
01
About Us Single
Window
02
Schemes
for You
03
Your
Ideas
04
Digital
Web-Site
05

7. 7
About
CHAMPIONS
01

8. 8
About CHAMPIONS
A web Portal “CHAMPIONS”
(champions.gov.in), a tech driven control
room cum management information
system was launched by the Ministry of
Micro, Small Medium Enterprises (MSME),
Government of India as part of its effort to
support enterprises.

9. 9
Single
Window
System
02

10. 10
Your
Ideas
Make
Suggestion
Register
Greviance
Seek
Guidence
View
Status
Champion Steps
Single window for you

11. 11
Feedback
Resources
for
chempions
Official
Hands
Control
Room
Covid-19
Manufacturing
Champion Steps
Single window for you

12. 12
Starters
Scheme
Exisiting
Scheme
Schemes/
acts/ Rules
New
Scheme
Regestration
as MSMEs
Champion Steps
Single window for you

13. 13
Latest
News
Advice
Please
Start Up
India
Seceratery
Message
FAQs
Champion Steps
Single window for you

14. 14
Schemes For You
1 2
New
Scheme
Scheme For
Starters

15. New
Scheme

16. 16
New Schemes
Rs. 3.00 Lakh crores loans to MSMEs: Collateral Free, Guarantee Free
Description
• Due to COVID19 need additional funding to meet operational liabilities built up, buy raw
material and restart business;
• Guarantee free and collateral free loans amounting to Rs. 3.00 Lakh crores have been
approved;
• The Scheme is implemented by Department of Financial Services.
Nature of Assistance
• Upto 20% of entire Outstanding credit as on 29.2.2020;
• Loans up to Rs. 25 cr. Outstanding and units upto Rs. 100 cr. turnover eligible;
• Loans to have 4 year tenor;
• 12 months moratorium on Principal repayment;

17. 17
Salient Features
• 100% credit guarantee cover to Banks and NBFCs on principal;
• Scheme can be availed till 31st Oct 2020;
• No guarantee fee, no fresh collateral.
Expected Impact
• It is expected that about 45 lakh units can take benefit and resume business activity and
safeguard the employment of people.
Who Can Apply
All businesses/ MSMEs are
eligible.
How to Apply
Through Banks, DFS and National Credit
Guarantee Trustee Company Ltd (NCGTC).

18. 18
DISTRESSED ASSETS FUND - SUBORDINATE
DEBT SCHEME FOR MSMEs
Credit Guarantee Scheme for Subordinate
Debt (CGSSD)
Description
• This Scheme seeks to extend support to the promoter(s) of the operational MSMEs which are
stressed and have become NPA as on 30th April, 2020;
• Promoter(s) in turn will infuse this amount in the MSME unit as equity and thereby enhance
the liquidity and maintain debt-equity ratio.
Nature of Assistance
Guarantee for the sub-debt: 90% guarantee coverage would come from the scheme / trust and
remaining 10% from the concerned promoter,
The maximum tenor for repayment will be 10 years. There will be a moratorium of 7 years on
payment of principal.

19. 19
Equity Infusion for MSMEs through Fund of
Funds
Description
• The Fund of Funds will provide equity funding for MSMEs with growth potential and viability
with the ultimate aim of encouraging MSMEs to grow and get listed on stock exchanges;
• VCs/PEs firms do offer early stage funding but very few of them provide growth stage funding,
Nature of Assistance
Growth Funding to MSMEs through equity financing
Private funding leverage.

20. 20
Scheme For
Starters

21. 21
Prime Minister’s Employment
Generation Programme (PMEGP)
Eligibility & Conditions:
• Target Beneficiary: Unemployed rural and urban youth
• Eligibility Criteria: Any individual above 18 years of age, SHGs, Charitable trusts, Registered
Societies etc.
• Allowed Project Cost: for Manufacturing Unit: Rs. 25 lakh; Service Sector Unit: Rs. 10 lakh,
Trading Sector Unit Rs. 10 lakh in North Eastern Region, LWE-affected districts and Andaman
& Nicobar Islands.
Assistance for up gradation and expansion of successful/well performing existing units:
• The maximum cost of the project under manufacturing sector for up-gradation is Rs.1.00 crore
and Rs.25.00 lakh under Service/Trading sector;
• Maximum subsidy would be 15% of the project cost (20% for NER and Hill States)

22. 22
Gram Udyog Vikas Yojna
Eligibility & Conditions:
• Target beneficiary: Artisans, Unemployed Youth and Self Help Groups (SHGs)
• Eligibility criteria: Any person Traditional Artisans, Knowledge of Skill experience in Art and
craft.
Following areas are covered by KVIC for assistance-:
• In Mineral based industry,
• In polymer and chemical industry,
• In forest based industry
• In Agro and food processing based industries
• Tools kits are also given in handmade paper, gur, and rural engineering

23. 23
Credit Guarantee on Loans to Micro and
Small Enterprises and New
Entrepreneurs
Eligibility & Conditions:
• Existing Micro, small and service Entrepreneurs & Aspiring Entrepreneur all are eligible
Nature of Scheme:
• The scheme is implemented by Credit Guarantee Trust for MSE (CGTMSE);
• Guarantee coverage ranges from 85% (Micro Enterprise up to Rs 5 lakh) to 75% (others);
• In case of default, CGTMSE settles the claim with the lending institutions.

24. 24
Entrepreneurship and Skill Development
Programme (ESDP)
Objectives:
The objective of the program is to motivate youth for self employment as one of the
carrier As per scheme guidelines, in EAP and E-SDP there should be overall 40% women
participation.
The program includes the following :-
Industrial Motivation Campaigns (IMCs)
Entrepreneurship Awareness Programme (EAPs)
Entrepreneurship-cum-Skill Development Programme (E-SDP)
Management Development Programmes (MDPs)

25. 25
Location of CHAMPIONS Control room
Single Window System
The portal is basically for making the smaller units big by solving their grievances, encouraging,
supporting, helping and handholding. It is a real one-stop-shop solution of MSME Ministry.

26. 26

27. 27
MSME SAMADHAAN- Delayed Payments to Micro and Small Enterprises under
Micro, Small and Medium Enterprise Development (MSMED) Act, 2006.
Related Provision
The Micro, Small and Medium Enterprise Development (MSMED) Act, 2006 contains
provisions of Delayed Payment to Micro and Small Enterprise (MSEs). (Section 15- 24).
State Governments to establish Micro and Small Enterprise Facilitation Council (MSEFC) for
settlement of disputes on getting references/filing on Delayed payments. (Section 20 and
21)

28. 28
Nature of assistance
MSEFC of the State after examining the case filed by MSE unit will issue directions to the buyer unit for payment of
due amount along with interest as per the provisions under the MSMED Act 2006.
Who can apply
Any Micro or small enterprise having valid Udyog Aadhar(UAM) /UDGAM can apply.
Salient Features
The buyer is liable to pay compound interest with the monthly rests to the supplier on the amount at the three
times of the bank rate notified by RBI in case he does not make payment to the supplier for his supplies of goods
or services within 45 days of the acceptance of the goods/service rendered.
All States/UTs have notified Authority for Filing Entrepreneur's Memorandum, 33 States/UTs have Notified rules of
MSEFC and all the 36 States/UTs have constituted MSEFCs, as per provisions laid down under MSMED Act 2006.
Implementation
The provisions under the Act are implemented by MSEFC chaired by Director of Industries of the State /UT having
administrative control of the MSE units. State Government/UTs are requested to ensure that the MSE Facilitation
Council hold meetings regularly and delayed payment cases are decided by the Councils within a period of 90 days
as stipulated in the MSMED Act, 2006.

29. 29

30. 30
● The Ministry of MSME came with the Public Procurement Policy for Micro and Small
Enterprises (MSE) Order, 2012 on 26th March 2012.
● overall procurement goal of minimum 20% of the total annual purchases from the
products or services produced or rendered by MSEs.
Amendments by the Ministry in the Public Procurement Policy for
the Micro and Small Enterprises (MSEs)
● The word “20%”, wherever they occur, the figures and word “25%” shall be substituted;
and
● Out of the total annual procurement from Micro and Small Enterprises, 3% from within
the 25% target shall be earmarked for procurement from Micro and Small Enterprises
owned by women.
Objectives of MSME Sambandh

31. 31
MSME Sambandh Portal

32. FAQs

33. 33
 What is MSME Samadhaan Portal?
It is created by Office of DC(MSME), where Micro and Small Enterprises (MSEs) can file
 Can Ministry of MSME intervene in matters of MSEFC ?
Ministry of MSME cannot interfere with judicial functioning of MSEFC.
 Who can convert the application into Regular Reference Petition/claim
case?
The applications are converted into case by the concerned MSEFC.
 Is work order compulsory to file application on MSME Samadhaan
Portal?
Yes, work order is compulsory. In case purchase order is oral an affidavit to that effect
is to be submitted.
their applications online regarding delayed payments.

34. 34
 Is the Award binding on foreign buyer?
Yes. When the supplier is a micro or small enterprises and agreement is made
between Micro/ Small Enterprises in India. Goods are purchased/taken by foreign
buyer and he returns to his country. Payment terms are not honored in these
circumstances, matter can be filed before the Council. After following due
procedure of law, the Council can issue award and same could be sent to both
Consulates i.e Foreign buyers Consulate in that country. It can be enforced.

35. 35
 What is Trade Receivables Discounting System (TReDS)?
 Who are the participants in TReDS?
Sellers, buyers and financiers are the participants on a TReDS platform.
 Whether TReDS could deal with reverse factoring?
Yes. The TReDS could deal with both receivables factoring as well as reverse factoring.
 Whether any authorization is required to set up and operate a TReDS
platform?
Yes, authorization is required to be obtained from RBI under the Payment and
Settlement Systems (PSS) Act, 2007.
The objective of TReDS is to create Electronic Bill Factoring Exchanges which could
electronically accept and settle bills so that MSMEs could encash their receivables
without delay.

36. 36
 What is Guaranteed Emergency Credit Line (GECL)?
 What is the objective of the Scheme?
The GECL is a loan for which 100% guarantee would be provided by National Credit
Guarantee Trustee Company (NCGTC) to Member Lending Institutions (MLIs), and
which will be extended in the form of additional working capital term loan facility in
case of Scheduled Commercial Banks (SCBs) and Financial Institutions (FIs), and
additional term loan facility in case of Non-Banking Financial Companies (NBFCs), to
eligible MSMEs/ Business Enterprises and interested Pradhan Mantri Mudra Yojana
borrowers.
The Scheme is a specific response to the unprecedented situation COVID-19. It seeks
to provide much needed relief to the MSME sector by incentivizing MLIs to provide
additional credit of up to Rs. 3 lakh crore at low cost, thereby enabling MSMEs to
meet their operational liabilities and restart their businesses.

37. 37
 What will be the eligibility criteria for MSMEs to avail the benefit of the
Scheme?
 What would be the procedure followed in case a borrower has loan
accounts with multiple lenders?
All MSME borrower accounts with combined outstanding loans across all MLIs of up to
Rs. 25 crore as on 29.2.2020, and annual turnover of up to Rs. 100 crore in FY 2019-
20. In case accounts for FY 2019-20 are yet to be audited/finalized, the MLI may rely
upon the borrower’s declaration of turnover.
In case a borrower has existing limits with multiple lenders, GECL may be availed either
through one lender or each of the current lenders depending upon the agreement
In case the borrower wishes to take from any lender an amount more than the
proportional 20% of the outstanding credit that the borrower has with that particular
lender, a No Objection Certificate (NOC) would be required from all other lenders.

38. 38
 What are the offerings of Mudra? How will Mudra function?
MUDRA has already created its initial products / schemes. The interventions
have been named ‘Shishu’, ‘Kishor’ and ‘Tarun’ to signify the stage of
development and funding needs of the beneficiary micro unit / entrepreneur
and also to provide a reference point for the next phase of graduation. The
financial limit for these schemes are:-
a. Shishu : covering loans upto 50,000/-
b. Kishor : covering loans above 50,000/- and upto 5 lakh
c. Tarun : covering loans above 5 lakh to 10 lakh

39. CREDITS: This presentation template was created by
Slidesgo, including icons by Flaticon, infographics &
images by Freepik and illustrations by Stories
Thank-you Chintan D Shah
Chintanshah18
ChintanShah-92
CA Chintan Shah
CA CS Chintan D Shah
Chintan D Shah & Associates - Gujarat
Our Small Hands to make you LARGE