Shri Dinsha J. Patel taking charge as the Minister of State (Independent Charge) for Ministry of Micro, Small & Medium Enterprises, Government of India
in New Delhi on June 2,2009
LAGHU UDYOG SAMACHARviSzy&twu / April-June, 2009 ewY; % 50 #i;s @ Price : Rs. 50
Dinsha J. Patel, Minister of State (Independent Charge)
Assumes Charge of
Ministry of Micro, Small & Medium Enterprises
Shri Dinsha J. Patel, Minister of State
(Independent Charge) assumed charge of the
Ministry of Micro, Small and Medium
Enterprises in New Delhi on June 2, 2009.
Addressing the media persons, the
Minister said that the Micro, Small and
Medium Enterprises (MSMEs) constitute a
very important segment of our economy by
virtue of their ability to generate employment
and contribution to manufacturing output and
exports.
Keeping this in view, the Ministry of Micro,
Small and Medium Enterprises will strive to
support MSMEs in every respect and address
areas where MSMEs have been facing
problems. He outlined the focus areas of the
Ministry in the coming months, which include:
Evolving mechanisms and structures for
addressing the credit needs of the small
enterprises, which are largely in the
unorganised sector and which often get
marginal ised under the exist ing
institutional funding mechanism. The
Ministry would pursue the setting up of a
separate fund for enterprises in the
unorganised sector.
To assist the micro and small enterprises
(MSEs) in marketing their products,
the Ministry would
propose aprocurement
policy, which would entail setting
up of targets for procurement by
the Government Departments and
Institutions from the MSE Sector.
Keeping in view the requirement of
enterprise development and skill
development, the Ministry will strengthen
its existing programmes and evolve
suitable partnership models with the state
government and private sector.
To encourage employment in the urban
and rural areas, emphasis will be laid on
Prime Minister's Employment Generation
Programme.
An overall review of the khadi sector will
be carried out to bring in reforms relating
to production and marketing, with the aim
of empowering artisans engaged in the
sector.
All the schemes recommended by
National Manufacturing Competitiveness
Council for enhancing the productivity
and competitiveness of the Micro, Small
and Medium Enterprises sector will be
operationalised in the coming months.
The Minister on his arrival at the MSME
Ministry, was received by the Secretary, Shri
Dinesh Rai and senior officials. He also held
discussion on the priorities of the Ministry in
the coming months.
Born on 25.2.1937, Shri Dinsha
Jhaverbhai Patel had been Minister of State for
Petroleum & Natural Gas at the Centre. Later
he was Cabinet Minister of Public work
Department (Road & Building) and
Parliamentary affairs (Govt. of Gujarat).
January-March, 2009
NEWS
1
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Instructions
The material for publication should be sent, in triplicate, neatlytyped in double space. The reports on functions or eventsshould be sent immediately after its conclusion. Articles/Reports should be accompanied by photographs with captionspasted upon reverse. The photographs should be placed inbetween the thick paper, gem clipped and attached to theforwarding letter. Photographs should be focussed more onthe events or products than personalities.
All efforts have been made to ensure that the informationpublished is correct and reliable. However the Laghu UdyogSamachar journal holds no responsibility for any inadvertenterror, commission or omission. Opinions, photographs andviews published in Laghu Udyog Samachar journal do notnecessarily reflect the views of Ministry of Micro, Small &Medium Enterprises or Government.
Editorial Office : Advertising & Publicity Division, Office of the Development Commissioner (MSME),Nirman Bhavan, New Delhi-110108, Phone & Fax : 011-23062219
Published by : Development Commissioner (MSME), Ministry of Micro, Small & Medium Enterprises, Govt. of India,Nirman Bhavan, New Delhi-110108
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A PUBLICATION OF DEVELOPMENT COMMISSIONER (MSME)MINISTRY OF MICRO, SMALL & MEDIUM ENTERPRISES, GOVERNMENT OF INDIA
o"kZ 34 vad 9&11@ Volume XXXIV No. 9-11 ewY; % 50 #i;s@Price : Rs. 50 vizSy&twu] 2009@ April-June, 2009
Editorial Team
Editor-in-Chief : K.S. Ludu
Senior Editor : Harish Anand
Editor : Harendra Pratap
Editorial Advisory BoardChairman : Development Commissioner (MSME)
Vice Chairman : Editor-in-Chief
MembersAdditional Economic Advisor
Director (IC & CD)Deputy Secretary (Ministry of MSME)
Senior EditorEditor
A Journal for Micro, Small & Medium Enterprises SAMACHAR
NEWS
Laghu Udyog Samachar2
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nwjHkk"k la[;k % 011&23062219 QSDl la[;k % 011&23062219
• Special Article
Development Policies for Micro,
Small and Medium Enterprises (MSMEs)
in India 3
• Scheme
Guidelines on Prime Minister’s
Employment Generation Programme
(PMEGP) 8
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SPECIAL ARTICLE
April-June, 2009 3
T
he Micro, Small and
Medium Enterprises
(MSME) sector has
been an integral
component of the
industrial sector. The MSE
sector has been accorded
special status and
importance in the Five-
Year Plans since inception
in view of the advantages
it offers for better
utilisation of resources of
capital and skill at the local
level. The continuous
support provided to the
sector in the form of
incentives, infrastructural
facilities and other
assistance in the industrial
policy resolutions has
facilitated the sector to
acquire a place of
prominence in the socio-
economic development of
the country. The number
of enterprises in the MSE
sector is estimated to be
over 13 million, providing
employment to estimated
42 million persons. As per
the latest estimates, the
micro and small enterprises (MSE) sector accounts
for about 39 per cent of the manufacturing output
and 33 per cent of the national exports of the country
(the estimated contribution is 45% and 40%
respectively for the micro, small and medium
enterprises (MSMEs) as defined under MSMED Act,
2006). Further, in recent years the MSME sector has
consistently registered higher growth rate compared
to the overall industrial sector.
For achieving the objective of inclusive growth,
creation of large employment opportunities is of
significant importance. However, the declining
employment trend in the organized sector has
resulted in agriculture sector continuing to provide
employment to almost two-third of the Indian
population. With the land holding declining
substantially, there is considerable surplus population
engaged in the agriculture sector and needs to be
provided gainful employment in the industrial and
service sectors of the economy. The major advantage
of the MSME sector lies in its significant employment
potential at low capital cost and the labour intensity
in the MSME sector is estimated to be considerable
higher than the large enterprises. Hence, the MSME
sector provides one of the most viable avenues for
absorbing the large surplus population engaged in
the agriculture sector.
However, in today’s liberalized and globalised
environment, there are several preconditions to
enhancing the global competitiveness of the MSMEs.
These relate mainly to simplified systems and
DEVELOPMENT POLICIES FOR
MICRO, SMALL AND MEDIUM ENTERPRISES (MSMEs)
IN INDIA
Dinesh Rai
Secretary
Ministry of Micro, Small and
Medium Enterprises
Government of India
Udyog Bhavan, New Delhi
SPECIAL ARTICLE
Laghu Udyog Samachar4
procedures, easy access to capital, positioning the
MSMEs in the global value chain by enhancing their
productivity (involving issues like technology
upgradation, quality improvement, skill
development, etc.) and access to markets (both
domestic and global). For the promotion and
development of the MSMEs, the Government has
put in place policy measures as well as implemented
several schemes/programmes to address the
requirements of the MSME sector in these areas.
Enactment of the MSMED Act, 2006
The Micro, Small and Medium Enterprises
Development (MSMED) Act, 2006 seeks to facilitate
the development of these enterprises as also enhance
their competitiveness. It provides the first-ever legal
framework for recognition of the concept of
“enterprise” which comprises both manufacturing
and service entities. It defines medium enterprises
for the first time and seeks to integrate the three tiers
of these enterprises, namely, micro, small and
medium.
The Act also provides for a statutory consultative
mechanism at the national level with balanced
representation of all sections of stakeholders,
particularly the three classes of enterprises; and with
a wide range of advisory functions. Establishment of
specific Funds for the promotion, development and
enhancing competitiveness of these enterprises,
notification of schemes/programmes for this purpose,
progressive credit policies and practices, preference
in Government procurements to products and
services of the micro and small enterprises, more
effective mechanisms for mitigating the problems of
delayed payments to micro and small enterprises and
assurance of a scheme for easing the closure of
business by these enterprises are some of the other
features of the Act.
The Ministry of MSME has also taken a view, in
the light of the liberalized provisions of the MSMED
Act 2006, to do away with the restrictive 24% ceiling
prescribed for equity holding by industrial
undertakings, whether domestic or foreign, in the
erstwhile Small Scale Industries (now MSEs). This
coupled with the expected legislation on Limited
Liability Partnerships (introduced in the Parliament
by the Ministry of Corporate Affairs) should pave the
way for greater corporatisation of the Small and
Medium Enterprises – thereby enhancing their access
to equity and funds from the market.
Access to Finance
Finance is one of the critical inputs for the
promotion and development of the micro and small
enterprises. Finance to the MSEs is part of the Priority
Sector Lending Policy of the banks. For the public
and private sector banks, 40% of the net bank credit
(NBC) is earmarked for the Priority Sector. For the
foreign banks, however, 32% of the NBC is
earmarked for the Priority Sector, of which 10% is
earmarked for the MSE sector. Any shortfall in such
lending by the foreign banks has to be deposited in
the Small Enterprise Development Fund (SEDF) to
be set up by the Small Industries Development Bank
of India (SIDBI). The SIDBI is the principal financial
institution for promotion, financing and development
of the MSE sector. Apart from extending financial
assistance to the sector, it coordinates the functions
of institutions engaged in similar activities. SIDBI’s
major operations are in the areas of (i) refinance
assistance, (ii) direct lending, and (iii) development
and support services. Commercial banks are
important channels of credit dispensation to the
sector and play a pivotal role in financing the working
capital requirements, besides providing term loans
(in the form of composite loans). At the State level,
State Financial Corporations (SFCs) and twin-function
State Industrial Development Corporations (SIDCs)
are the main sources of long-term finance for the
MSE sector.
Recognising the importance of easy and
adequate availability of credit in sustainable growth
of the MSE sector, the Government has announced
a ‘Policy Package for Stepping up Credit to Small
and Medium Enterprises (SMEs)’, with the objective
of doubling the flow of credit to this sector within a
SPECIAL ARTICLE
April-June, 2009 5
period of five years. The measures in the Policy
Package, inter alia, include banks to achieve a
minimum 20% year-on-year growth in credit to the
MSME sector and cover on an average at least 5 new
MSMEs at each of their semi-urban/urban branches
per year. In addition, the Ministry of MSME is also
implementing the following major schemes:
• Credit Guarantee Scheme: To ensure better flow
of credit to MSEs by minimizing the risk
perception of banks/financial institutions in
lending without collateral security, the Credit
Guarantee Fund Scheme for Micro and Small
Enterprises is being implemented. The scheme
covers collateral-free credit facility extended by
eligible lending institutions to new and existing
micro and small enterprises for loans up to Rs.1
crore.
• Performance & Credit Rating Scheme: The
Performance & Credit Rating Scheme for
manufacturing MSEs is being implemented with
the objective of assisting the MSEs in obtaining
performance-cum-credit rating which would help
them in improving performance and also
accessing bank credit on better terms if the rating
is high.
However, despite all the efforts, the number of
MSEs having accounts with the banks has been only
around 4 million. Taking this into account the fact
that a majority of the MSEs at the lower-end of the
sector are outside the ambit of institutional finance,
concerted efforts are being made by the SIDBI to
promote micro finance across the country to enable
the unemployed persons to set up their own ventures.
There are more than 100 Micro Finance Institutions
(MFIs) developed by SIDBI that are engaged in
implementation of its micro finance programme.
SIDBI has disbursed about Rs. 1,700 crore
(cumulative) under its programme, benefiting around
50 lakh beneficiaries. The outstanding loan under
the SFMC programme is Rs. 950 crore as at the end
of March, 2008.
Faced with increased competition on account
of globalisation, MSMEs are beginning to move from
an obsession with bank credit to a variety of other
specialized financial services and options. In recent
years, the country has witnessed increased flow of
capital in the form of primary/secondary securities
market, venture capital and private equity, external
commercial borrowings, factoring services, etc. Some
of the measures required for promoting these
emerging sources of finance are: To facilitate the
MSME sector to garner resources, it is imperative that
a separate trading exchange be set up exclusively
for the MSMEs; Provide special incentives for
encouraging larger flow of Venture Capital & Private
Equity funds into the sector; More liberal “All-in-Cost
Ceilings” for SMEs to raise low-cost funds through
the External Commercial Borrowing route; and
Urgent need to bring the legislation on ‘Factoring
Services’.
Competitive Technology and Quality
Improvement
In today’s fast paced global business scenario,
technology and quality of products have become
more vital than ever before. With a view to foster
the growth of MSME sector in the country,
Government has set up ten state-of-the-art Tool
Rooms and Training Centres. These Tool Rooms
provide invaluable service to the Indian industry
by way of precision tooling and providing well
trained craftsmen in the area of tool and die
making. These Tool Rooms are highly proficient
in mould and die making technology and
promote precis ion and qual i ty in the
development and manufacture of sophisticated
moulds, dies and tools. The Ministry of MSME
implements the fo l lowing schemes and
programmes for the upgradation of technology/
quality of the MSMEs:
ISO 9000/14001 Certification Fee Reimbursement
Scheme to enhance the competitive strength of the
MSEs, the Government introduced a scheme to
incentivise technological upgradation, quality
SPECIAL ARTICLE
Laghu Udyog Samachar6
improvement and better environment management
by the MSEs.
Micro and Small Enterprises Cluster
Development Programme (MSECDP) is implemented
for holistic development of clusters of MSEs. The
programme envisages measures for capacity
building, skill development, technology upgradation
of the enterprises, improved credit delivery,
marketing support, setting up of common facility
centres, etc., based on diagnostic studies carried out
in consultation with cluster units and their collectives.
The Credit Linked Capital Subsidy Scheme
(CLCSS) aims at facilitating technology upgradation
by providing 15 per cent upfront capital subsidy on
institutional finance upto Rs. 1 crore.
To help the MSMEs for improving their
competitiveness, the Government has also launched
the National Manufacturing Competitiveness
Programme (NMCP). The schemes under this
Programme are aimed at addressing the technology/
quality upgradation needs of the sector, mainly in
the Public-Private Partnership mode.
Further, to facilitate investments for technological
upgradation and higher productivity in the micro and
small enterprises, the phased deletion of products
from the list of items reserved for the exclusive
manufacture by MSEs is being continued. There are
now only 21 items that are reserved for this sector.
Skill Development
The Ministry of MSME has a long history of
providing skill development related training of
different kinds. The Ministry has a network of 30
MSME-Development Institutes (DIs), 28 Branch
MSME-DIs, 18 Autonomous bodies including 10
Tool Rooms, 6 Technology Development Centres,
2 MSME – Training Institutes, 11 MSME – Testing
Centres, 3 National Level Entrepreneurship and
Business Development Institutes, 11 Technical
Service Centres (TSCs) of NSIC, 36 Training Centres
of KVIC and 2 National Coir Training and Design
Centres.
The Tool Rooms, Technology Development
Centres and 2 Training Centres support the MSME
sector by providing the process and product
technology development services, precision quality
tooling and training manpower with hands-on
exposure to the state-of-the-art machinery in different
areas. These Institutes offer various training
programmes to meet the wide spectrum of technical
manpower required in the manufacturing sector. The
MSME-DIs and the 3 National Level Entrepreneurship
and Business Development Institutes organize a
number of training programmes to train potential first
generation entrepreneurs for upgradation of their
techno/managerial knowledge and skills with
ultimate object to start MSEs in various fields. The
different training programmes are Industrial
Motivation Campaigns, Entrepreneurship
Development Programmes, Entrepreneurship Skill
Development Programme, Management
Development Programme and Business Skill
Development Programme. In addition, 2 agencies
under the Ministry of MSME, namely, Khadi and
Village Industry Commission (KVIC) and Coir Board
provide grass root training to enable the bottom rung
of the society in basic skill development, followed
by provision of institutional finance. The programmes
conducted by these agencies enable the beneficiaries
to set up their own projects as self-employment
ventures.
Overall during 2007-08, the various agencies
under the Ministry of MSME have conducted training
programmes for 1.8 lakh trainees, and the targets for
2008-09 had been fixed at over 3 lakh trainees. The
Ministry of MSME intends to increase the number of
trainees significantly through enhancing the
infrastructural facilities of the existing institutions and
adopting Public-Private-Partnership model for
providing skill development.
Access to Market
To facilitate the MSMEs in their marketing
endeavour, the various organisations under the
Ministry of MSME organize exhibitions/fairs and
SPECIAL ARTICLE
April-June, 2009 7
buyer-seller meets across the country providing
an opportunity to them for displaying their
products and capabilities. In addition, under the
MSE Marketing Development Assistance (MDA)
Scheme, assistance is provided to individuals for
participation in overseas fairs/exhibitions, overseas
study tours, or tours of individuals as member of
a trade delegation going abroad. Further, various
facilities are provided to MSEs in purchases
effected by the Ministries/Departments/CPSUs to
the units registered under the Single Point
Registration Scheme of NSIC. These facilities are
issue of Tender sets free of cost; exemption from
payment of Earnest Money Deposit; waiver of
Security Deposit upto the Monetary Limit for
which the unit is registered under the Single Point
Registration Scheme; and Price preference upto
15% over the quotation of large-scale units. In
addition to these facilities/benefits, 358 items have
also been reserved for exclusive purchase from
the MSE Sector by the Government agencies.
The MSMED Act, 2006 has substantially
strengthened the provisions to check delayed
payments by larger enterprises to MSEs (that supply
products to the larger enterprises). Besides laying
down that payments must be made within 45 days
of supply, the legislation lays down the institutional
framework in the shape of MSE Facilitation Councils
to be constituted by each State. In addition, the
Ministry of MSME has also formulated two schemes
under the NMCP to facilitate marketing of MSME
products. These are - Marketing Support/Assistance
for MSMEs for adoption of “Bar Code”, and Marketing
Assistance for MSMEs & Technology Upgradation
Activities. n
DELHI
Kitab Mahal
State Emporium Unit No.21
Baba Kharag Singh Marg
New Delhi - 110 001
Ph. 011-23363708
Sale Counter
Delhi High Court
New Delhi-110001
Ph. 011-23381532
MUMBAI
Sale Counter
New CGO Building
New Marine Line
Mumbai - 400 020
Ph. 022-22076227
KOLKATA
Government of India Book Depot
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Ph. 033-22483813
Sale Counter
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Government of India
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Delhi-110 054
Ph. 011-23817823
LAGHU UDYOG SAMACHAR : ADDRESSES OF THE SALE COUNTERS
SCHEME
Laghu Udyog Samachar8
1. The Scheme
Government of India has approved the
introduction of a new credit linked subsidy
programme called Prime Minister’s Employment
Generation Programme (PMEGP) by merging the two
schemes that were in operation till 31.03.2008
namely, Prime Minister’s Rojgar Yojana (PMRY) and
Rural Employment Generation Programme (REGP)
for generation of employment opportunities through
establishment of micro enterprises in rural as well as
urban areas. PMEGP will be a central sector scheme
to be administered by the Ministry of Micro, Small
and Medium Enterprises (MoMSME). The Scheme
will be implemented by Khadi and Village Industries
Commission (KVIC), a statutory organization under
the administrative control of the Ministry of MSME
as the single nodal agency at the National level. At
the State level, the Scheme will be implemented
through State KVIC Directorates, State Khadi and
Village Industries Boards (KVIBs) and District
Industries Centres (DICs) and banks. The
Government subsidy under the Scheme will be
routed by KVIC through the identified Banks for
eventual distrubution to the beneficiaries /
enterpreneurs in their Bank accounts. The
Implementing Agencies, namely, KVIC, KVIBs and
DICs will associate reputed Non-Government
Organization (NGOs)/reputed autonomous
institutions/Self Help Groups (SHGs)/ National Small
Industries Corporation (NSIC) / Udyami Mitras
empanelled under Rajiv Gandhi Udyami Mitra
Yojana (RGUMY), Panchayati Raj institutions and
other relevant bodies in the implementation of the
Scheme, especially in the area of identification of
beneficiaries, of area specific viable projects,
and providing training in entrepreneurship
development.
GUIDELINES ON PRIME MINISTER’S EMPLOYMENT
GENERATION PROGRAMME
(PMEGP)
2. Objectives
(i) To generate employment opportunities in rural
as well as urban areas of the country through
setting up of new self-employment ventures/
projects/micro enterprises.
(ii) To bring together widely dispersed traditional
artisans/rural and urban unemployed youth and
give them self-employment opportunities to the
extent possible, at their place.
(iii) To provide continuous and sustainable
employment to a large segment of traditional and
prospective artisans and rural and urban
unemployed youth in the country, so as to help
arrest migration of rural youth to urban areas.
(iv) To increase the wage earning capacity of artisans
and contribute to increase in the growth rate of
rural and urban employment.
3. Quantum and Nature of Financial Assistance
Levels of funding under PMEGP
Categories of Beneficiary’s Rate of Subsidy
beneficiaries Contribution (of project cost)
under PMEGP (of project
cost)
Area (location of — Urban Rural
project/unit)
General Category 10% 15% 25%
Special (including 05% 25% 35%
SC / ST / OBC /
Minorities /
Women,
Ex-servicemen,
Physically
Handicapped,
NER, Hill and
Border area etc.
April-June, 2009
SCHEME
9
Note : (1) The maximum cost of the project/unit admissible
under manufacturing sector is Rs. 25 lakh.
(2) The maximum cost of the project/unit admissible
under business/service sector is Rs. 10 lakh.
(3) The balance amount of the total project cost will be
provided by Banks as term loan.
4. Eligibility Conditions of Beneficiaries
(i) Any individual, above 18 years of age.
(ii) There will be no income ceiling for assistance
for setting up projects under PMEGI.
(iii) For setting up of project costing above Rs. 10
lakh in the manufacturing sector and above
Rs. 5 lakh in the business / service sector, the
beneficiaries should possess at least VIII
standard pass educational qualification.
(iv) Assistance under the Scheme is available only
for new projects sanctioned specifically under
the PMEGP.
(v) Self Help Groups (including those belonging
to BPL provided that they have not availed
benefits under any other Scheme) are also
eligible for assistance under PMEGP.
(vi) Institutions registered under Societies
Registration Act, 1860;
(vii) Production Co-operative Societies,
(viii) Charitable Trusts, and
(ix) Existing Units (under PMRY, REGP or any other
scheme of Government of India or State
Government) and the units that have already
availed Government Subsidy under any other
scheme of Government of India or State
Government are not eligible.
4.1 Other Eligibility Conditions
(i) A certified copy of the caste/community
certificate or relevant document issued by the
competent authority in the case of other special
categories, is required to be produced by the
beneficiary to the concerned branch of the
Banks along with the Margin Money (subsidy)
Claim.
(ii) A certified copy of the bye-laws of the
institutions is required to be appended to the
Margin Money (subsidy) Claim, wherever
necessary.
(iii) Project cost will include Capital Expenditure
and one cycle of Working Capital. Projects
without Capital Expenditure are not eligible for
financing under the Scheme. Projects costing
more than Rs. 5 lakh, which do not require
working capital, need clearance from the
Regional Office or Controller of the Bank’s
Branch and the claims are required to be
submitted with such certified copy of approval
from Regional Office or Controller, as the case
may be.
(iv) Cost of the land should not be included in the
Project cost. Cost of the ready built as well as
long lease or rental Workshed/Workshop can
be included in the project cost subject to
restricting such cost of ready built as well as
long lease or rental workshed/workshop to be
included in the project cost calculated for a
maximum period of 3 years only.
(v) PMEGP is applicable to all new viable micro
enterprises, including Village Industries
projects except activities indicated in the
negative list of Village Industries. Existing/old
units are not eligible (Para 29 of the guidelines
refers).
Note : (1) The Institutions/Production Co-operative Societies /
Trusts specifically registered as such and SC/ST/OBC/
Women/Physically Handicapped/Ex-Servicemen and
Minority Institutions with necessary provisions in the
bye-laws to that effect are eligible for Margin Money
(Subsidy) for the special categories. However, for
Institutions/Production Cooperative Societies/Trusts
not registered as belonging to special categories, will
be eligible for Margin Money (Subsidy) for general
category.
(2) Only one person from one family is eligible for
obtaining financial assistance for setting up of projects
under PMEGP. The ‘family’ includes self and spouse.
5. Implementing Agencies
5.1The Scheme will be implemented by Khadi and
Village Industries Commission (KVIC), Mumbai, a
statutory body created by the Khadi and Village
Industries Commission Act, 1956, which will be the
single nodal agency at the national level. At the State
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Laghu Udyog Samachar10
level, the scheme will be implemented through State
Directorates of KVIC, State Khadi and Village
Industries Boards (KVIBs) and District Industries
Centres in rural areas. In urban areas, the Scheme
will be implemented by the State District Industries
Centres (DICs) only. KVIC will coordinate with State
KVIBs/State DICs and monitor performance in rural
and urban areas. KVIC and DICs will also involve
NSIC, Udyami Mitras empanelled under Rajiv
Gandhi Udyami Mitra Yojana (RGUMY), Panchayati
Raj Institutions and other NGOs of repute in
identification of beneficiaries under PMEGP.
5.2 Other Agencies
The details of other agencies to be associated by
nodal agencies in the implementation of PMEGP are
as under:
(i) Field Offices of KVIC and its State offices.
(ii) State KVI Boards
(iii) District Industries Centre (DIC) of all State
Governments/Union Territories
Administrations reporting to respective
Commissioners/Secretaries (Industries).
(iv) Banks/Financial Institutions.
(v) KVI Federation
(vi) Department of Women and Child
Development (DWCD), Nehru Yuva
Kendra Sangathan (NYKS), The Army Wives
Welfare Association of India (AWWA) and
Panchayati Raj Institutions.
(vii) NGOs having at least five years experience
and expertise in Project Consultancy in
Small Agro & Rural Industrial Promotion
and Technical Consultancy Services, Rural
Development, Social Welfare having
requisite infrastructure and manpower and
capable of reaching Village and Taluk level
in the State or Districts. NGOs should have
been funded by State or National Level
Government Agency for any of its
programmes in the preceding 3 years
period.
(viii) Professional Institutions/Technical Colleges
recognized by Government/University and
University Grants Commission (UGC)/ All
India Council for Technical Education
(AICTE) having department for vocational
guidance or technical courses providing
skill based training like ITI, Rural
Polytechnic, Food Processing Training
Institute, etc.
(ix) Certified KVI institutions aided by KVIC /
KVIB provided these are in category A+, A
or B and are having required infrastructure,
manpower and expertise for the role.
(x) Departmental and Non-Departmental
Training Centres of KVIC / KVIBs.
(xi) Micro, Small and Medium Enterprises
Development Institutes (MSME-DIs), MSME
Tool Rooms and Technical Development
Centres, under the administrative control
of Office of Development Commissioner,
MSME.
(xii) National Small Industries Corporation’s
(NSIC) offices, Technical Centres, Training
Centres, Incubators and Training-cum-
Incubation Centres (TICs) set up in PPP
Mode.
(xiii) National level Enterpreneurship
Development Institutes like National
Institute for Entrepreneurship and Small
Business Development (NIESBUD),
National Institute for Micro, Small and
Medium Enterprises (NIMSME) and Indian
Institute of Entrepreneurship (IIE), Guwahati
under the administrative control of Ministry
of MSME, their branches and the
Entrepreneurship Development Centres
(EDCs) set up by their Partner Institutions
(PIs).
(xiv) Udyami Mitras empanelled under Rajiv
Gandhi Udhyami Mitra Yojana of Ministry
of MSME.
(xv) PMEGP Federation, whenever formed.
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6. Financial Institutions
(i) 27 Public Sector Banks.
(ii) All Regional Rural Banks.
(iii) Co-operative Banks approved by State Level
Task Force Committee headed by Principal
Secretary (Industries)/Commissioner
(Industries).
(iv) Private Sector Scheduled Commercial
Banks approved by State Level Task Force
Committee headed by Principal Secretary
(Industries)/Commissioner (Industries).
(v) Small Industries Development Bank of India
(SIDBI).
7. Identification of Beneficiaries
The identification of beneficiaries will be done
at the district level by a Task Force consisting of
representatives from KVIC/State KVIB and State DICs
and Banks. The Task Force would be headed by the
District Magistrate/Deputy Commissioner/Collector
concerned. The Bankers should be involved right
from the beginning to ensure that bunching of
applications is avoided. However, the applicants,
who have already undergone training of at least 2
weeks under Entrepreneurship Development
Programme (EDP)/Skill Development Programme
(SDP)/Entrepreneurship-cum-Skill Development
Programme (ESDP) or Vocational Training (VT) will
be allowed to submit applications directly to Banks.
However, the Banks will refer the application to the
Task Force for its consideration. Exaggeration in the
cost of the project with a view only to availing higher
amount of subsidy should not be allowed. KVIC will
devise a score card in consultation with SBI and RBI,
and forward it to the District Level Task Force and
other State/District functionaries. This score board
will form the basis for the selection of beneficiaries.
This score card will also be displayed on the websites
of KVIC and Ministry. The selection process should
be through a transparent, objective and fair process
and Panchayati Raj Institutions should be involved
in the process of selection (Para 11 (i)(b) of the
guidelines refers).
8. Bank Finance
8.1The Bank will sanction 90% of the project cost
in case of General Category of beneficiary/institution
and 95% in case of special category of the
beneficiary/institution, and disburse full amount
suitably for setting up of the project.
8.2Bank will finance Capital Expenditure in the form
of Term Loan and Working Capital in the form of
cash credit. Project can also be financed by the Bank
in the form of Composite Loan consisting of Capital
Expenditure and Working Capital. The amount of
Bank Credit will be ranging between 60-75% of the
total project cost after deducting 15-35% of margin
money (subsidy) and owner’s contribution of 10%
from beneficiaries belonging to general category and
5% from beneficiaries belonging to special
categories. This scheme will thus require enhanced
allocations and sanction of loans from participating
banks. This is expected to be achieved as Reserve
Bank of India (RBI) has already issued guidelines to
the Public Sector Banks to ensure 20% year to year
growth in credit to MSME Sector. SIDBI is also
strengthening its credit operations to micro
enterprises so as to cover 50 lakh additional
beneficiaries over five years beginning 2006-07, and
is recognized as a participating financial institution
under PMEGP besides other scheduled/Commercial
Banks.
8.3Though Banks will claim Margin Money (subsidy)
on the basis of projections of Capital Expenditure in
the project report and sanction thereof, Margin
Money (subsidy) on the actual availment of Capital
Expenditure only will be retained and excess, if any,
will be refunded to KVIC, immediately after the
project is ready for commencement of production.
8.4Working Capital component should be utilized
in such a way that at one point of stage it touches
100% limit of Cash Credit within three years of lock
in period of Margin Money and not less than 75%
utilization of the sanctioned limit. If it does not touch
aforesaid limit, proportionate amount of the Margin
Money (subsidy) is to be recovered by the Bank/
Financial Institution and refunded to the KVIC at the
end of the third year.
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Laghu Udyog Samachar12
8.5 Rate of interest and repayment schedule
Normal rate of interest shall be charged.
Repayment schedule may range between 3 to 7 years
after an initial moratorium as may be prescribed by
the concerned bank/financial institution. It has been
observed that banks have been routinely insisting
on credit guarantee coverage irrespective of the
merits of the proposal. This approach needs to be
discouraged.
RBI will issue necessary guidelines to the Banks
to accord priority in sanctioning projects under
PMEGP. RBI will also issue suitable guidelines as to
which RRBs and other banks will be excluded from
implementing the Scheme.
9. Village Industry
Any Village Industry including Coir based
projects (except those mentioned in the negative list)
located in the rural area which produces any goods
or renders any service with or without the use of
power and in which the fixed capital investment per
head of a full time artisan or worker i.e. Capital
Expenditure on workshop/workshed, machinery and
furniture divided by full time employment created
by the project does not exceed Rs. 1 lakh in plain
areas and Rs. 1.50 lakh in hilly areas.
10. Rural Area
(i) Any area classified as Village as per the revenue
record of the State/Union Territory, irrespective
of population.
(ii) It will also include any area even if classified as
town, provided its population does not exceed
20,000 persons.
11. Modalities of the Operation of the Scheme
(i) Project proposals will be invited from potential
beneficiaries at district level through press,
advertisement, radio and other multimedia by
KVIC, KVIBs and DICs at periodical intervals
depending on the target allotted to that particular
district. The scheme will also be advertised/
publicized through the Panchayati Raj
Institutions which will also assist in identification
of beneficiaries.
(a) Sponsoring of project by any agency is not
mandatory. The beneficiary can directly
approach Bank/Financial Institution along
with his/her project proposal or it can be
sponsored by KVIC/KVIBs/DIC/Panchayat
Karyalayas etc. However, the applications
received directly by the Banks will be
referred to the Task Force for its
consideration.
(b) A Task Force, consisting of the following
members, will be set up to scrutinize the
applications received by it.
Dist Magistrate/Deputy
Commissioner/Collector - Chairman
Lead Bank Manager - Member
Representative of KVIC/KVIB - Member
Representative of NYKS/SC/ST
Corporation - Special Invitee
Representative of MSME-DI,
ITI/Polytechnic - Special Invitee
Representatives from Panchayats - 3 members
(To be nominated by Chairman/
District Magistrate/Deputy
Commissioner/Collector by
rotation)
General Manager, DIC or State - Member
Director of KVIC Convenor
Note :Task Force may also co-opt representatives of other lending
institutions.
(c) The Task Force will scrutinize the
applications and based on the experience,
technical qualification, skill, viability of the
project etc., the task force will shortlist the
applications and call for an interview of the
applicants separately for rural and urban
areas to assess their knowledge about the
proposed project, aptitude, interest, skill
and entrepreneurship abilities, market
available, sincerity to repay and make the
proposed project success. The selected
candidates will be provided project
formulation guidance and orientation by
KVIC, KVIBs and DICs who will also assist
and guide them in project formulation and
submission to the concerned Bank in the
April-June, 2009
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13
area. The applicants may also approach any
of the other agencies listed in para 5.2 of
these guidelines for assistance in this regard.
(d) KVIC will identify the Nodal Banks at State
level in consultation with State
Governments and will forward the list to
all the implementing agencies.
(ii) The release of funds to the implementing
agencies will be in the following manner:
(a) Government will provide funds under
PMEGP to the nodal implementing agency,
i.e. KVIC which will in turn (within a period
of 15 days of receipt of the money from the
Government), place the margin money
(subsidy) funds with the implementing
Banks at the State level in their respective
accounts in accordance with the targets
allocated to each implementing agency.
CEO, KVIC will convey the margin money
(subsidy) targets alloted to each State to
the Principal Secretaries/Secretaries
(Industries)/Commissioners (Industries)
simultaneously. The target among the
Districts in the State will be assigned by the
State Level Bankers Coordination
Committee. SLBCC will ensure that targets
are evenly distributed within each district.
The State-wise targets in respect of KVIC/
KVIBs will be made available by KVIC to
SLBCC where overall allocation of district-
wise targets will be decided. Any
modification of the targets for which KVIC
is directly responsible will be permitted only
with the concurrence of the Ministry.
(b) KVIC will place the margin money (subsidy)
amount with the Banks involved in the
implementation of the scheme in
accordance with the targets allocated to the
implementing Banks in the State/District.
DICs, in close coordination with Banks, will
ensure that at least 50% of the total margin
money (subsidy) allocated to them will be
utilized in setting up of projects in rural
areas.
(c) KVIC being the single Nodal Agency at the
National level, will coordinate with the
identified implementing agencies, i.e.,
KVIBs, DICs and others. KVIC will carry out
most of the important tasks envisaged in the
forward and backward linkages, including
e-tracking, web management, publicity,
physical verification of units, organizing
EDP training programmes, awareness
camps, workshops and exhibitions and
therefore will require to utilize major share
of the allocation under forward and
backward linkages. However, KVIC will
ensure that it will reserve and allocate at
least 25% of the total allocation under
Forward and Backward linkages, under the
Scheme to DICs of different participating
States appropriately taking into account the
demand and extent of implementation. This
money will be released to DICs, only after
obtaining an undertaking from the State
Government that the funds already
provided under the erstwhile PMRY
Scheme’s Training and Pre-motivational
campaigns have been fully utilized by the
DICs. Any unspent balance available under
the training and contingencies of erstwhile
PMRY Scheme will be utilized for training
and relevant expenditure under PMEGP.
DICs will submit monthly utilization report
to KVIC in this regard.
(d) The Task Force, under the chairmanship of
District Magistrate/Deputy Commissioner/
Collector will hold quarterly meeting with
the Banks at district level to review the status
of the project proposals. Wherever the
projects are rejected, shortcomings/reasons
will be furnished by the concerned Banks
to the implementing agencies concerned
and the applicants concerned will be
requested by KVIC/KVIBs/DICs to provide
additional information/documents if
required and concerned representatives of
KVIC, KVIBs and DICs, will provide
assistance to the applicants in this process.
Since the Bank’s representative will also be
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Laghu Udyog Samachar14
a member of the Task Force, it needs to be
ensured that maximum number of projects,
cleared by the Task Force, are sanctioned
by the Banks. Chairman of the District Task
Force will review the performance of Banks
and the loan repayment / recovery status in
the quarterly review meetings.
(e) Banks will take their own credit decision
on the basis of viability of each project. No
collateral security will be insisted upon by
Banks in line with the guidelines of RBI for
projects involving loan upto Rs. 5 lakh in
respect of the projects cleared by the Task
Force. However, they will appraise projects
both technically and economically after
ensuring that each project fulfills inter alia
the criteria of :
l Industry
l Per Capita Investment
l Own Contribution
l Rural Areas (projects sponsored by
KVIC/KVIBs/DICs)
l Negative List (Para 29 of the
guidelines refers)
It is essential that the applications cleared
by the District Task Force also fulfil these
requirements at that stage itself so as to
avoid delays in approval of loans in Banks.
(f) Once the project proposals are received by
KVIC, KVIBs, DICs or Banks, the details of
such proposals are to be fed in the web
based application tracking system with a
unique registration number for each
beneficiary at the District level by the State
Offices of KVIC/State KVIBs/State DICs to
enable the entrepreneurs to track their
application status at any point of time. Till
such time the e-tracking system becomes
fully operational (for which detailed
guidelines will be issued by KVIC separately
to all concerned) disaggregated data in
respect of progress of each application,
assistance availed by beneficiaries
belonging to special categories (category
wise), employment details, etc., will be
maintained by KVIC/KVIBs/DICs and the
data will be reconciled every month with
Director (PMEGP) in KVIC. The status of
such reconciliation will be reviewed by the
District Magistrate/Deputy Commissioner/
Collector, in the Task Force meetings and
by CEO, KVIC in the review meetings at
KVIC. Separate colour code will be given
to application form as well as applications/
claim forms of Margin Money (subsidy)
through KVIC/KVIBs/DICs, so as to help the
beneficiaries and the processing/
sanctioning functionaries to identify and
monitor the progress of implementation.
(g) Once the project is sanctioned and before
the first installment of the Bank Finance is
released to the beneficiary, Bank will inform
the State/Regional Office of the KVIC/KVIBs/
State DICs, as the case may be, for arranging
EDP training (Para 12 (i) of the guidelines
refers) to the beneficiary, if he/she has not
already undergone such training. If he/she
has already undergone such training of at
least 2 weeks duration, either with the
training centre of KVIC/KVIB/State DICs or
the institutions recognized by or under the
administrative control of Ministry of MSME
or at any other training centre of repute,
such beneficiary need not undergo further
EDP training.
(h) First installment of the loan will be released
to the beneficiary only after completion of
EDP training of at least 2 weeks (Para 12 of
the guidelines refers) specially designed for
the purpose, which will be organized by
KVIC/KVIBs/DICs or the institutions
recognized by or under the administrative
control of Ministry of MSME or at any other
training centre of repute. Those who have
already undergone training from the
April-June, 2009
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15
recognized institutions need not undergo
further EDP training.
(i) After the successful completion of EDP
training arranged by the KVIC/KVIBs/State
DICs, the beneficiary will deposit with the
bank, the owner’s contribution. Thereafter,
the bank will release first installment of the
Bank Finance to the beneficiary.
(j) Projects sanctioned will be declared
ineligible for Margin Money (subsidy)
assistance if the EDP training is not
completed.
(k) After the release of Bank finance either
partly or fully, Bank will submit Margin
Money (subsidy) claim in the prescribed
format to the designated Nodal Branch of
the State/Region where KVIC has placed
lump sum deposit of Margin Money
(subsidy) in advance in the Savings Bank
Account in the name of KVIC, for release
of Margin Money (subsidy). In the case of
projects financed by the branches of the
Regional Rural Banks, the financing
Branches of the RRBs will have to submit
the Margin Money (subsidy) Claim to their
Head Office, which, in turn, will submit the
consolidated claims to the designated
Nodal Branch of their sponsoring Bank. In
the case of projects financed by SIDBI, the
guidelines issued by SIDBI for release of
loan/margin money (subsidy) will be
followed. Though the margin money
(subsidy) will be released by the designated
Nodal Branch of the Bank, KVIC/State DIC
is the final authority to either accept the
project/claim or reject, based on the
parameters of the Scheme. Detailed
grounds for rejections shall be maintained
by KVIC/KVIBs/DICs. A separate system of
acknowledging grievances or complaints
will be instituted by KVIC/KVIBs and DICs
and a monthly report with the details of
grievances/complaints received and the
status/action taken for their redressal shall
be furnished to CEO, KVIC by KVIBs and
DICs. A consolidated report will be
forwarded to the Ministry of MSME every
quarter by CEO, KVIC.
(l) Once the Margin Money (subsidy) is
released in favour of the loanee, it should
be kept in the Term Deposit Receipt of three
years at branch level in the name of the
beneficiary/Institution. No interest will be
paid on the TDR and no interest will be
charged on loan to the corresponding
amount of TDR.
(m) Since “Margin Money” (subsidy) is to be
provided in the form of subsidy (Grant), it
will be credited to the Borrowers loan
account after three years from the date of
first disbursement to the borrower/
institution, by the Bank.
(n) In case the Bank’s advance goes “Bad”
before the Three year period, due to
reasons, beyond the control of the
beneficiary, the Margin Money (subdidy)
will be adjusted by the Bank to liquidate
the loan liability of the borrower either in
part or full.
(o) In case any recovery is effected
subsequently by the Bank from any source
whatsoever, such recovery will be utilized
by the Bank for liquidating their outstanding
dues first. Any surplus will be remitted to
KVIC.
(p) Margin Money (subsidy) will be ‘one time
assistance’, from Government. For any
enhancement of credit limit or for
expansion/modernization of the project,
margin money (subsidy) assistance is not
available.
(q) Margin Money (subsidy) assistance is
available only for new projects sanctioned
specifically under the PMEGP. Existing units
are not eligible under the Scheme.
(r) Projects financed jointly i.e. financed from
two different sources (Banks/Financial
institutions) are not eligible for Margin
Money (subsidy) assistance.
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Laghu Udyog Samachar16
(s) Bank has to obtain an undertaking from the
beneficiary before the release of Bank
Finance that, in the event of objection
(recorded and communicated in writing) by
KVIC/KVIB/State DIC, the beneficiary will
refund the Margin Money (subsidy) kept in
the TDR or released to him after three years
period.
(t) Banks/KVIC/KVIBs/DICs have to ensure that
each beneficiary prominently displays the
following sign-board at the main entrance
of his project site:-
..................................... (Unit Name)
Financed by ....... (Bank), District Name
Under
Prime Minister’s Employment Generation
Programme (PMEGP)
Ministry of Micro, Small and Medium
Enterprises
(u) Margin Money (subsidy) Claim will be
submitted by the Financing Branch of the
Bank to the designated Nodal Branch at the
earliest possible time.
12. Entrepreneurship Development Programme
(EDP)
12.1 The objective of EDP is to provide orientation
and awareness pertaining to various managerial and
operational functions like finance, production,
marketing, enterprise management, banking
formalities, bookkeeping, etc. The duration for EDP
under REGP was only 3 days, whereas under PMRY
it was 10 days. During various meetings, discussions
and recommendations of Department Related
Parliamentary Standing Committee for Industry
(DRPSCI) it was felt that 3 days were not adequate
for providing this input effectively and, hence two
to three weeks period has been provided under
PMEGP which will include interaction with
successful rural entrepreneur, banks as well as
orientation through field visits. The EDP will be
conducted through KVIC, KVIB Training Centers as
well as Accredited Training Centers run by Central
Government, NSIC, the three national level
Entrepreneurship Development Institutes (EDIs), i.e.,
NIESBUD, NIMSME and IIE, and their partner
institutions under the administrative control of
Ministry of MSME, State Governments, Banks, Rural
Development and Self Employment Training
Institutes (RUDSETI) reputed NGOs, and other
organizations/institutions, identified by the
Government from time to time. EDP will be
mandatory for all the PMEGP beneficiaries. However,
the beneficiaries who have undergone EDP earlier
of duration not less than two weeks through KVIC/
KVIB or reputed training centers will be exempted
from undergoing fresh EDP. The training centres/
institutes will be identified by KVIC and extensive
publicity will be provided about the training centres/
institutes, content of courses available, duration, etc.
by circulating the same to all the implementing
Agencies.
12.2 Budget for EDP Charges to the Training
Centres
An amount of Rs. 2,500/- to Rs. 4,000/- per
trainee for a period of two to three weeks towards
course material, honorarium to guest speakers,
lodging, boarding expenses, etc. is admissible under
the Scheme. KVIC will reimburse the expenditure to
the training centres/institutes chosen for the purpose,
in accordance with the procedures to be separately
devised by it and circulated to KVIBs and DICs.
13. Physical Verification of PMEGP Units
100% physical verification of the actual
establishment and working status of each of the units,
set up under PMEGP, including those set up through
KVIBs and DICs, will be done by KVIC, through the
agencies of State Government and/or, if necessary
by outsourcing the work to professional institutes
having expertise in this area, following the
prescribed procedures as per General Financial Rules
(GFR) of Government of India. Banks, DICs and
KVIBs will coordinate and assist KVIC in ensuring
100% physical verification. A suitable proforma will
be designed by KVIC for such physical verification
of units. Quarterly reports, in the prescribed format
will be submitted by KVIC to the Ministry of
MSME.
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17
14. Awareness Camps
14.1 KVIC and State DICs will organize awareness
camps, in close coordination with each other and
KVIBs, throughout the country to popularize PMEGP
and to educate potential beneficiaries in rural, semi
rural and urban areas about the Scheme. The
awareness camps will involve participation from the
unemployed men and women with special focus on
special category, i.e., SC, ST, OBC, Physically
challenged, Ex-servicement, Minorities, Women, etc.
The requisite information/details in this regard will
be obtained by KVIC/KVIBs/DICs from State level
organizations like SC/ST corporations, AWWA,
NYKs, reputed NGOs and Employment exchanges.
There will be two camps permissible for a district,
one by KVIC in coordination with concerned KVIB
and another by DIC. KVIC and DIC should preferably
consider organizing these camps jointly for a specific
district. A Committee consisting of Lead Bank, KVIC/
KVIB/DIC and Principal, Multi Disciplinary Training
Centres (MDTC) of KVIC will shortlist the
beneficiaries and send them for training as well as
RICS for project formulation and to Bank for project
sanction. The amount specified can be spent on
publicity, arrangement and other necessary expenses
for organizing such camps, which will be
communicated by KVIC in their guidelines
separately.
14.2 Mandatory Activities to be Undertaken in
the Awareness Camps:
(i) Publicity through banners, posters, hoardings
and press advertisements in local newspapers.
(ii) Presentation on the scheme by KVIC/KVIB/DIC
officials.
(iii) Presentation by Lead Bank of the area.
(iv) Presentation by successful PMEGP/REGP
Entrepreneurs.
(v) Distribution of sanction letters to PMEGP
entrepreneurs who have been sanctioned the
project by Bank.
(vi) Press conference
(vii) Collection of data (in the prescribed format)
from the potential beneficiaries, which will
include information like profile of beneficiries,
skills possessed, background and
qualifications, experience, project interested in,
etc. For ascertaining the training (as described
in para 12 of the guidelines) a committee
consisting of representatives of Lead Bank,
KVIC, KVIB, DIC and Principal, MDTC will
shortlist the beneficiaries and send them for
orientation and training. They will also be sent
to RICS and Banks for project formulation and
project sanction, respectively.
(viii) A Shelf of Projects for consideration under
PMEGP, prepared by KVIC has already been
circulated by KVIC/Ministry to some of the
prominent State Industries Secretaries and
Banks including State Bank of India, Central
Bank of India, Canara Bank, Allahabad Bank
and Union Bank of India. For any further
inclusion of projects in the shelf already
prepared, KVIBs and DICs shall forward the
details of such projects to KVIC. KVIC will in
turn, expand the Shelf of Projects, in due
course, in Consulation with Banks, KVIBs and
DICs, by utilizing the provisions in ‘Training
and Orientation’ under forward and backward
linkages.
(ix) Marketing Support
(a) Marketing support for the products,
produced by the units under PMEGP may
be provided through KVIC’s Marketing
Sales outlets, as far as possible. KVIC will
reserve the right to provide such a support
based on quality, pricing and other
parameters to be separately circulated by
KVIC to KVIBs/DICs.
(b) Besides the above, Exhibitions, Workshops
at District/State Zonal/National and
International levels, Buyer-Seller Meets, etc.
will be arranged for the benefit of PMEGP
beneficiaries by KVIC.
15. Workshops
(a) Objectives :
(i) To brief potential beneficiaries about
benefits under the PMEGP Scheme and
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Laghu Udyog Samachar18
other KVIC Schemes like PRODIP, SFURTI,
etc.
(ii) To create a Data Bank of PMEGP units
regarding products produced, services/
business activity details, production, supply
capacity, present marketing set up,
employment and project cost etc.
(iii) To interact with PMEGP entrepreneurs to
obtain feedback about the units, their
problems, support required, sucess stories
etc.
(iv) To involve experts in marketing and export
to support PMEGP units in these areas.
Note : (i) It should be ensured that a minimum number of 200
prospective entrepreneurs participate in the
Workshop.
(ii) One State level Workshop for KVIC and one for DIC
are permissible.
(iii) KVIC and DIC may consider organizing these
Workshops jointly in a specific State
(iv) One representative of KVIC and DIC will participate
in each Workshop.
(b) The State Level Workshop will include the
following activities:
(i) Presentation of PMEGP Scenario of the
State.
(ii) Presentation of views of Banks on PMEGP
by senior officials of lead Bank in the State.
(iii) Sharing of experience and success stories
by PMEGP/REGP entrepreneurs, providing
special emphasis to entrepreneurs
belonging to special categories.
(iv) Briefing about support Schemes of KVIC like
Product Development, Design Intervention
and Packaging (PRODIP), Rural Industrial
Service Centres (RISC), Scheme of Fund for
Regeneration of Traditional Industries
(SFURTI), Micro and Small Enterprises
Cluster Development Programme
(MSECDP), Credit Linked Capital Subsidy
Scheme for Technology Upgradation
(CLCSS), Credit Guarantee Fund Trust for
Micro and Small Enterprises (CGTSME), etc.
(v) Briefing about support schemes related to
cluster and marketing by NABARD and
SIDBI.
(vi) Utilizing the services of NYKS, MWCD,
AWWA for involving the rural youth,
weaker sections, women, minorities, ex-
servicemen, physically challenged, war
widows in PMEGP.
(vii) Presentation on Domestic and Export
Market Potential available, by Marketing
experts.
(viii) Open house discussions with PMEGP
entrepreneurs on implementation issues,
constraints encountered, further supports
required, etc., and arriving at possible
solutions.
(ix) Data collection of PMEGP entrepreneurs in
the prescribed format.
(x) Arranging the exhibition-cum-sale of
PMEGP products.
(xi) Formation of PMEGP Federation.
(xii) Press conference.
(c) KVIC will be co ordinating these Workshops
and will get the annual calendar of
Workshops approved by the Ministry, in
advance.
16. Exhibitions
PMEGP Exhibitions will be organized by KVIC
at National, Zonal, State and District Levels and
special exhibitions for North Eastern Zone in co-
ordination with KVIBs and DICs, to promote products
produced by PMEGP units. KVIC will get the annual
calendar of exhibitions to be conducted at various
parts of the country, approved by the Ministry in
advance. Separate pavilions will be provided for
display of products produced by units set up through
KVIBs/DICs. Separate logos and nomenclature for
rural entrepreneurs and urban entrepreneurs will be
worked out by KVIC/KVIBs/DICs. For example, for
rural PMEGP exhibitions nomenclatures like
GRAMEXPO, GRAMUSTAV, GRAM MELA, etc.,
may be used. KVIC, in coordination with KVIBs and
DICs will be organizing one district level exhibition
April-June, 2009
SCHEME
19
(per district), one State level exhibition and one Zonal
level exhibition, annually.
17. Participation in International Exhibitions
Participation by PMEGP units is envisaged in
International Exhibitions like India International
Trade Fair (IITF), etc., for developing their export
market. KVIC will organize participation in the
international exhibitions in coordination with KVIBs
and DICs and will seek the list of willing units from
KVIBs and DICs. KVIC will ensure that the units
desirous of participating in the fair, set up through
KVIBs and DICs are considered judiciously on the
basis of merit, variety and quality of the products. A
maximum amount of Rs. 20 lakh will be provided to
meet expenditure on rental charges for pavilion,
fabrication of stalls and towards display,
demonstration etc. KVIC may meet the rest of the
expenditure out of its regular marketing budget
provisions.
18. Bankers Review Meetings
PMEGP is a bank driven scheme and the final
sanction of project and release of loan is done at the
level of concerned Bank. It is therefore imperative
that KVIC, KVIBs and DICs interact regularly with
the higher officials of Bankers at District/State/
National level to ensure that the bottle- necks, if any,
in implementation, are resolved, outcomes are
effectively achieved and targets are met. Bankers
Review Meeting at following levels shall be
organized as below:
(i) Lead District Managers Meet (LDM): This
will be organized by State Office and
Divisional Office of KVIC jointly with KVIB
and DIC. The focus of the meeting will be
to inform and educate the bank officials at
LDM level about PMEGP and regularly
monitor and review the implementation of
the scheme. The meeting will be held on
quarterly basis.
(ii) Zonal review meeting: To review and
monitor the PMEGP scheme, zonal review
will be conducted quarterly by KVIC in 6
zones where representatives of KVIC, KVIB
and DIC will participate in the review.
Concerned Bank officers will also be
invited.
(iii) Top level Bankers Meeting: KVIC will
organize the Top Level Bankers meeting
half yearly (in June and December) so that
proper monitoring can be done at the
beginning and towards the end of the
financial year. CMDs/Senior Executives of
nationalized Banks, representatives from
Ministry of MSME, State DICs and KVIBs
will participate in the National level Bankers
meeting which will be chaired by CEO,
KVIC. All the States/UTs will be invited in
two groups and KVIC will ensure that
around half of the States/UTs’
representatives (of KVIBs and DICs)
participate in each of these half yearly
review meetings. The meeting will focus on
reviewing the targets and will examine the
issues related to policy decisions relating
to banks for the implementation of PMEGP.
19. Orientation and Training under PMEGP
The staff and officers of KVIC, KVIB, DIC and
concerned agencies have to be senitized on the
operational modalities of PMEGP which can be
imparted in the ‘One Day Training Workshops’ to
be conducted throughout the country at State/District
levels by KVIC (in coordination with KVIBs) and
DICs. 40 such programmes per year will be
organized by KVIC and DICs (each). KVIC and DICs
may organize such training workshops jointly,
wherever feasible, on the basis of guidelines to be
issued by KVIC separately, for this purpose.
20. TA/DA of Staff and Officers
The officers of KVIC, KVIBs and DICs will carry
out relevant field visits and monitoring activities of
PMEGP. A provision of Rs. 1 crore per year is
proposed towards TA/DA of staff and officers for
monitoring and reviewing PMEGP, which includes
administrative expenses like stationery,
documentation, contingencies, etc., and around 40%
of this amount can be earmarked for DICs. KVIC will
issue separate guidelines incorporating the detailed
modalities of certification of the expenditure, laying
SCHEME
Laghu Udyog Samachar20
down the norms for such field visits so as to optimally
utilize the assistance and ensure economy in
expenditure.
21. Publicity and Promotional Activities
21.1 PMEGP should be popularized through
aggressive publicity campaigns including posters,
banners, hoardings, radio jingles, television
messages, advertisements in local papers, press
conferences, also involving VVIPs and distinguished
guests in major events of PMEGP.
21.2 Release of Advertisement/Publicity for
PMEGP
Advertisement will be issued/published in
English, Hindi and local language newspapers. For
District level events, quarter page advertisement will
be released and for State level events, half a page
advertisement will be released.
Keeping in view the significance of publicity and
promotional activities required to be undertaken for
PMEGP, an amount of Rs. 16 crore will be allocated
during the four years period. 25% of funds will be
earmarked by KVIC to DICs for release of
advertisement/publicity of the Scheme, in
accordance with the guidelines framed by KVIC
while ensuring maximum coordination and synergy
of efoorts with KVIBs and DICs.
22. MIS Package, Application Tracking System,
E-Portal and Other Supporting Packages
22.1 E-governance is a vital requirement for effective
monitoring and reviewing of the scheme. In addition,
data base of existing REGP beneficiaries as well as
PMRY have also to be documented. A separate
PMEGP website will be constructed by KVIC,
including all the relevant linkages with Ministry of
MSME, State KVIBs, DICs, NIC and Banks, providing
all the necessary information. Application tracking
system will also be introduced by KVIC in
coordination with KVIBs/DICs for PMEGP
beneficiaries. In addition Rural Industrial
Consultancy Services (RICS)’s software package for
project preparation of KVIC will be extended to all
training centers in the country for assisting potential
beneficiaries to prepare project under PMEGP. A
separate provision is available under forward-
backward linkages for the purposes for use by KVIC.
22.2 KVIC will issue further guidelines in regard to
utilization of funds for the purposes outlined in the
backward and forward linkages by ensuring proper
documentation etc., from KVIBs and DICs. Proper
account of the expenditure in this regard will be
maintained by State/KVIBs/DICs and monitored by
KVIC regularly.
23. Proposed Estimated Targets under PMEGP
23.1 The following estimated targets have been
proposed under PMEGP during the four years, i.e.,
from 2008 to 2012.
Year Employment Margin Money
(in Nos) (subsidy)
(Rs. in crores)
2008-09 61,66,67 740.00
2009-10 74,00,00 888.00
2010-11 96,20,00 1154.40
2011-12 14,188,33 1702.60
Total 37,375,00 4485.00
Note : (1) An additional amount of Rs. 250 crore has been
earmarked for backward and forward linkages.
(2) To begin with, the targets would be distributed
between KVIC (including State KVIBs) and State DICs
in the ratio of 60:40 to ensure comparatively greater
emphasis to micro enterprises in rural areas. The
margin money subsidy would also be allocated in
the same ratio. DICs will ensure that at least 50% of
the amount allocated to them will be utilized in the
rural areas.
(3) The annual allocation of targets would be issued State-
wise to the implementing agencies.
23.2 Criteria for Distribution of Targets under
PMEGP
The following are the broad suggested criteria
for distribution of state-wise targets:
(i) Extent of backwardness of State;
(ii) Extent of unemployment;
April-June, 2009
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21
(iii) Extent of fulfillment of targets under PMRY
and REGP in 2007-08;
(iv) Extent of recovery of loans under PMRY and
REGP in 2007-08;
(v) Population of State/Union Territory; and
(vi) Availability of traditional skills and raw
material.
23.3 KVIC will assign targets to State KVIC
Directorates/KVIBs and State Governments. Target
at District levels will be decided by State Level
Bankers Coordination Committee. SLBCC will ensure
that targets are evenly distributed within each district.
The State-wise targets in respect of KVIC/KVIBs will
be made available by KVIC to SLBCC where overall
allocation of district-wise targets will be decided. Any
modification of the targets for which KVIC is directly
responsible will be permitted only with the
concurrence of the Ministry. KVIC will identify the
Nodal Bank Branches in consultation with State
Governments and place the the Margin Money
(subsidy) with these branches both for rural and urban
areas. For assigning the targets of subsidy and other
parameters (number of units, employment
opportunities etc.) to KVIC Directorates/KVIBs, KVIC
will adopt the criteria of rural population of the State,
backwardness of the State (based on 250 backward
districts identified by Planning Commission) and past
performance of the State under REGP Scheme for
deciding the targets as per weightages given below.
Similarly, for assigning the targets to DICs, KVIC will
adopt the criteria of backwardness of the State (based
on 250 backward districts identified by Planning
Commission), urban unemployment level (as
reflected in the Planning Commission), urban
unemployment level (as reflected in the Planning
Commission’s Report (2002) on ‘Special Group on
targeting ten million employment opportunities
per year’ and rural population of the State. From
the second year (i.e., 2009-10) onwards, the
performance of PMEGP during the previous year(s)
will also be given appropriate weightage, for
deciding the targets. The approximate weightages
to be assigned for determining the targets to the
implementing agencies are given below.
Criteria
Weightage for
Determining Targets
KVIC/KVIBs DICs
1. Rural Population of the
State 40% 30%
2. Backwardness of the State 30% 40%
3. Urban Unemployment level - 30%
4. Past performance of REGP 30% -
24. Rehabilitation of Sick Units
Sick units under PMEGP for their rehabilitation
will be linked with RBI’s Guidelines for rehabilitation
of sick small scale industrial units issued to all
Scheduled Commercial Banks vide their letter
RPCD.No.PLNFS.BC.57/06.04.01/2001-2002 dated
16th January, 2002.
25. Registration
Registration with the KVIC/KVIBs/State DICs
under the Scheme is voluntary. No registration fee
will be charged from the beneficiaries and the funds
available under Forward and Backward linkage will
be utilized to meet expenses on documentation cost,
etc.
Beneficiary will submit quarterly report about
production, sales, employment, wages paid etc. to
the State/Regional Director of the KVIC/KVIB/State
DIC, and KVIC will in turn analyze and submit a
consolidated report to the Ministry of MSME, every
six months.
26. Role of Private Sector (Scheduled,
Commercial/Co-operative) Banks in the
Implementation of PMEGP
The Scheme will also be implemented through
the Private Sector Scheduled Commercial Banks/Co-
operative Banks on selective basis, after vertification
of intending Banks’ last 3 years’ Balance Sheet and
ascertaining quantum of lending portfolio. Margin
Money (subsidy) portion will be paid on actual
reimbursement basis to the Banks by KVIC.
27. Monitoring and Evaluation of PMEGP
27.1 Role of Ministry of MSME
Ministry of MSME will be the controlling and
monitoring agency for implementation of the
SCHEME
Laghu Udyog Samachar22
scheme. It will allocate target, sanction and release
required funds to KVIC. Quarterly review meeting
will be held in the Ministry on the performance of
PMEGP. CEO, KVIC, Principal Secretaries /
Commissioners (Industries) responsible for
implementation of the Scheme in States through
DICs, Representatives of State KVIBs and Senior
officials of Banks will attend the meeting.
27.2 Role of KVIC
KVIC will be the single Nodal Implementing
Agency of the Scheme at the National level. CEO,
KVIC will review the performance with State KVIBs,
DICs and Banks every month and submit a monthly
performance report to the Ministry. The report will
include the component wise details of beneficiaries
indicating the amount of the Margin Money (subsidy)
allotted, employment generated and the projects set
up. KVIC will ensure that the margin money (subsidy)
is utilized as per the sub- component plans approved
for SC, ST, Women, etc. The targets and achievement
will also be monitored at the Zonal, State and District
levels by the Dy. CEOs, Directors of KVIC and the
Commissioner / Secretary of Industries (DIC), of the
States concerned. The existing REGP units will
continue to be monitored by the KVIC as hitherto
fore, and separate monthly report submitted directly
to Ministry of MSME.
27.3 Role of State Governments/Union
Territories
The Scheme will be reviewed half yearly by Chief
Secretary of the State. Representatives of KVIC,
Ministry of MSME, State Director (KVIC) CEO, KVIB,
Secretary / Commissioner (Industries) of the State,
Senior Officials of the Banks and other officials
concerned will attend the meeting. State
Governments [Commissioners / Secretaries
(Industries)] will forward their monthly reports to
KVIC, specifying the component-wise details of
beneficiaries indicating the amount of the Margin
Money (subsidy) allotted, employment generated and
the projects set up, which will be analyzed, compiled
and consolidated by KVIC and a comprehensive
report forwarded to Ministry every month. The
existing PMRY units will continue to be monitored
by the State DICs, as hitherto fore, and report
submitted directly to Ministry of MSME.
28. Evaluation of the Scheme
A comprehensive, independent and rigorous
evaluation of the scheme will be got done after two
years of its implementation. Based on the findings
of the evaluation study the scheme would be
reviewed.
29. Negative List of Activities
The following list of activities will not be
permitted under PMEGP for setting up of micro
enterprises/projects/units :
(a) Any industry/business connected with Meat
(slaughtered), i.e. processing, canning and/
or serving items made of it as food,
production/manufacturing or sale of
intoxicant items like Beedi/Pan/Cigar/
Cigarette etc., any Hotel or Dhaba or sales
outlet serving liquor, preparation/producing
tobacco as raw materials, tapping of toddy
for sale.
(b) Any industry/business connected with
cultivation of crops/plantation like Tea,
Coffee, Rubber etc. sericulture (Cocoon
rearing), Horticulture, Floriculture, Animal
Husbandry like Pisciculture, Piggery,
Poultry, Harvester machines etc.
(c) Manufacturing of Polythene carry bags of
less than 20 microns thickness and
manufacture of carry bags or containers
made of recycled plastic for storing,
carrying, dispensing or packaging of food
stuff and any other item which causes
environmental problems.
(d) Industries such as processing of Pashmina
Wool and such other products like hand
spinning and hand weaving, taking
advantage of Khadi Programme under the
purview of Certification Rules and availing
sales rebate.
(e) Rural Transport (Except Auto Rickshaw in
Andaman & Nicobar Islands, House Boat,
Shikara & Tourist Boats in J&K and Cycle
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Ω.k ds :i esa nh xbZ /kujkf'k ij fuxkg j[kus ds okLrs]
cSad vkidks O;olkf;d m|e dh le;≤ ij tkap djsxk
vkSj vkils Hkh ekfld LVkWd dk fooj.k izLrqr djus dh
viskk jgsxhA bu fooj.kksa dks le;≤ ij izLrqr djuk
;kn j[ksa D;ksafd Ω.k ds :i esa nh tkus okyh jkf'k ?kksf"kr
LVkWd dh dher ij fuHkZj djsxhA
cSad ls foŸk izkIr djus ls iwoZ dqN nLrkostksa ij gLrkkj
djus gksaxs rFkk dqNsd ij okf"kZd vk/kkj ij gLrkkj djus
gksaxsA cSad dk iwjk lg;ksx djsaA vlg;ksxiw.kZ joS;k vkids
O;olk; ds fy, vPNk ugha gksxkA lHkh O;olk; cSad dh
enn ls Qyrs&Qwyrs gSa] mUgsa lwfpr djrs jgsa rFkk lg;ksx
djsaA
3-3-1 iquHkqZxrku
iquHkqZxrku 'kq: gksuk vkids ykHk ds vk/kkj ij fuHkZj
djsxkA ysfdu ;kstuk ds rgr vf/kdre NwV vof/k ;k xHkkZofËk
18 ekg gksxh rFkk lHkh Ω.kksa dk Hkqxrku 7 o"kks± esa fd;k tkuk
visfkr gSA
4 izeq[k 'krs±
4-1 cU/kd j[kuk
,d izdkj dh flD;qfjVh] ftlesa ekfyd dks u rks LokfeRo
vkSj u gh dCtk izkIr gksrk gSA blds rgr os oLrq,a] ftlds
cnys cSad Ω.k iznku djrk gS] m|eh ds dCts esa jgrh gSa
rkfd og mls izkslsl djds fcÿh dj ldsA
4-2 fxjoh j[kuk
oLrqvksa dks tekur ds fy, Ω.k dh vnk;xh ;k ok;nk
iwjk djus ds okLrs flD;qfjVh ds rkSj ij j[kk tkukA og
lkeku] ftlds cnys cSad Ω.k nsrk gS] cSad dh fuxjkuh esa
rkyk vkSj pkch ds lkFk ,d xksnke esa j[kk tkrk gSA
4-3 lgorhZ flD;qfjVh
;g ,d lgk;d ;k vfrfjDr flD;qfjVh gSA dbZ nQk
cSad fctusl esa miyC/k ifjlaifŸk;ksa ls dgha ls dgha vf/kd
flD;qfjVh ij t+ksj Mkyrs gSaA ih-,e-vkj-okbZ- ds rgr] cSadksa
ls bl ij t+ksj u nsus dks dgk x;k gSA
4-4 vfrfjDr /kujkf'k
;g flD;qfjVh ds rkSj ij cSad dks nh tkus okyh
oLrqvksa@ifjlEifŸk;ksa ds ewY; rFkk blds cnys cSad kjk vfxze
:i esa nh tkus okyh jkf'k ds chp dk vUrj gSA
4-5 bfDoVh
;g O;olk; esa ekfyd kjk fuos'k dh xbZ viuh [kqn
dh jkf'k gksrh gSA
5-0 fooj.k ds fy, fdlls lEidZ djsa\
vf/kd tkudkjh ds fy, LFkkuh; cSad ds eSustj ls laidZ
djsaA vki fuEufyf[kr izdk'kuksa dk Hkh lanHkZ ys ldrs gSa %
(i) gŸkkUxMh] vfuy ^^cSadlZ cqd vkWu ,l-,l-vkbZ-**]
vkbZ-ch-,e- ifCyds'ku da-] eqEcbZ
(ii) œ".kk v∏;j] Vh-,u- ^^xkbMykbal QkWj Qkbusaflax
vkWQ ,l-,l-vkbZ-**] oksjk ,aM da-] eqEcbZ 400020
(iii) pVthZ] ,-ds- ^^eSustesaV rduhd vkWQ cSad ySafMax**]
fgeky;k ifCyf'kax gkml] eqEcbZ
(iv) iSjh] ,Q-bZ- ^, fMD'kujh vkWQ cSafdax**] eSdMksuYMl
,aM ,oUl] IysekmFkA
ekxZnf'kZdkviuk gkFk txUukFk
vizSy&twu] 2009 25
cSad ls foŸk lqfo/kk ysuk vkSj cSafdax vkSipkfjdrk,a
œi;k fuEufyf[kr iz'uksa dk mŸkj nsa vkSj rc uhps fn;s
x, ckWDl esa lgh mŸkj ds fy, ns[ksa %
1- ih-,e-vkj-okbZ- ds rgr izfr O;fDr fdruk vf/kdre
Ω.k miyC/k gS\ (œi;k mfpr mŸkj ij lgh dk fu'kku
yxk;sa)
(d) #i;s 35]000
([k) #i;s 1]00]000
(x) #i;s 2]00]000
2- cSad Ω.k fuEufyf[kr esa ls fdldh [kjhn ds fy, miyCËk
ugha gS\
(d) la;a= vkSj e'khujh
([k) QfuZpj vkSj fQDlplZ
(x) okgu
3- cSad ls foŸk dh lqfo/kk ysus ds fy;s m|eh dks viuh
rjQ ls dqN Hkh /ku fuos'k djus dh vko';drk ugha gSA
4- mu fctusl m|eksa ds izdkj dh lwph ftuds fy, cSad
foŸk miyC/k gSA
5- ih-,e-vkj-okbZ ds rgr cSad foŸk cxSj fdlh lgorhZ
flD;qfjVh ds miyC/k gSA gka@ugha
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izfrHkk ,d izfr'kr izsj.kk gS vkSj fuU;kuos izfr'kr Losnu gSA
lgh mŸkj
(1) #i;s 1]00]000 lsok vkSj V™sM gsrq rFkk #i;s 2]00]000 fofuekZ.k xfrfof/k;ksa ds fy;s
(2) okgu
(3) >wB
(4) dkuwuh rkSj ij vuqefr izkIr O;olk;
(5) gka
viuk gkFk txUukFk
26 y?kq m|ksx lekpkj
Le`fr dh lPph dyk euks;ksx dh dyk gSA
2-0 lh[kus ;ksX; ckrsa
(i) chek ds ckjs esa tkuuk
(ii) tksf[ke ds izdkj] ftUgsa doj fd;k tk ldrk gS vkSj
O;olk; esa mudh t:jr dks le>ukA
3-0 fo"k;&oLrq
fdlh Hkh ekuoh; xfrfof/k esa vkSj [kkldj O;kolkf;d
dk;ks± esa tksf[ke vkSj vfu'p; dk cM+k [krjk jgrk gSA lkoËkkuh
cjrus ij Hkh nq?kZVuk,a gksrh jgrh gSaA fdlh m|e esa izfrdwy
vkSj vuisfkr ?kVukvksa dh otg ls gksus okys uqdlku dks
de ls de djus ds fy;s chek djk;k tkuk ,d jkLrk gSA
pwafd vkidks m|e yxkus ds okLrs okf.kfT;d cSad Ω.k
iznku djrs gSa] vr% os bl Ω.k dh iqu%vnk;xh esa fdlh rjg
dh pwd dks ilan ugha djsaxsA os bl ckr ij t+ksj nsaxs fd
vkids kjk vius O;olk; ds fy, tqVkbZ xbZ reke ifjlEifŸk;ksa
dk vki chek djk;saA
3-1 chek D;k gS\
chek ,d ,slh rduhd gS ftlds rgr dbZ O;fDr;ksa vkSj
Qeks± ls izhfe;e ,d= fd;k tkrk gS tkfd buesa ls dqNsd dks
gksus okys uqdlku dh HkjikbZ dh tk ldsA chek djus okyh
dEiuh chek vof/k ds nkSjku chek djkj esa mfYyf[kr lhek
ds Hkhrj chfer O;fDr ds gq, foŸkh; uqdlku dh HkjikbZ
djrh gSA pwafd O;olk; esa iz;ksx gksus okyh lkekU; oLrqvksa
ds ekeys esa chek ,d o"kZ dh vof/k ds fy;s fd;k tkrk gS]
vr% vki gj o"kZ chek dk uohdj.k djkrs jgsaA
3-2 chek ds izdkj
lkekU;r% chek fuEu izdkj ds gksrs gSa %
3-2-1 lEifŸk dk chek
Hkouksa] 'ksM] nqdku] e'khujh] LVkWd vkfn ds fy, vkxs
ds [krjs ds okLrs rFkk LVkWd] xkfM+;ksa vkfn dh pksjh ds [krjs
dks ysdjA
4- O;olk; m|e gsrq chek vko';drk vkSj vkSipkfjdrk,a
3-2-2 nsunkfj;ksa@ftEesnkfj;ksa dk chek
blds rgr rhljs ik dks dkuwuh mŸkjnkf;Ro izkIr gksrk gS
vFkkZr okgu nq?kZVuk ds ekeys esa rhljs ik dks e`R;q@pksV
yxus dh izfriwfrZ] lkoZtfud ns;rk] mRikn ns;rk] O;kolkf;d
mŸkjnkf;Ro] deZpkfj;ksa ds izfr dkuwuh mŸkjnkf;Ro vkfnA
3-2-3 O;fDr;ksa dk chek
nq?kZVuk ds ekeys esa chfer O;fDr dh e`R;q ;k v'kDrrkA
3-2-4 izkjafHkd gkfu dk chek
dqN ykHk okyh ikfyfl;ka oLrqvksa ds u"V gksus ds dkj.k
gksus okys uqdlku ds izfr lqjkk iznku djrh gSaA
3-3 chek dk ks=
ih-,e-vkj-okbZ- ds fy, chek dEifu;kas kjk fofHkUu
chek ;kstuk,a 'kq: dh xbZ gSa] buds uke gSa %
l vfXu chek
l eksVj chek
l pksjh chek
l nqdkunkj chek
l bysDV™kfud midj.k chek
l odZV™kWfud jkgr chek
l ck;ksxSl la;a=ksa] lkbdy fjD'ks] e/kqeD[kh] eqxhZikyu]
eos'kh vkfn ds fy, xzkeh.k chek
bl izdkj dksbZ Hkh O;fDr viuh O;kolkf;d ifjlaifŸk;ksa
vkSj dk;ks± dk vkx] ykbVfuax] pksjh] MdSrh] e'khujh@
bysfDV™dy czsd Mkmu] fos"kiw.kZ geyksa] miÊoksa] ck<+] Hkwpky
vkfn ds tksf[keksa ls cpko dj ldrk gSA
3-4 chek [kpZ
;g fHkUu&fHkUu gksxh tks fd O;olk; ds izdkj] ifjlaifŸk;ksa
ds ewY;] dojst vkSj izœfr ij fuHkZj djsxhA fofuekZ.k bdkb;ksa
ekxZnf'kZdkviuk gkFk txUukFk
vizSy&twu] 2009 27
ds ekeys esa tSls fd f'kYidkj bdkb;ksa] xzkeh.k] dqVhj ;kNksVs m|ksxksa ;k y?kq m|eksa ds ekeys esa okf"kZd chek izhfe;echfer lEifŸk ds ewY; dk 0-1 izfr'kr ls ysdj 6 izfr'krrd vyx&2 gks ldrk gSA
3-5 lrdZrk
dqNsd cS ad gM+rky] naxk s a vk Sj ukxfjd miÊoks a(,l-vkj-lh-lh-) ds izfr dojst nsus ij t+ksj nsrs gSaA cSadlZdh lykg ds vuq:i dkjZokbZ djsaA chek ls cpuk tksf[keiw.kZvkSj ew[kZrkiw.kZ gks ldrk gSA
vki viuh ifjlEifŸk dh vf/kdre dher ?kksf"kr djukHkh ;kn j[ksa rkfd chek vof/k ds nkSjku fdlh rjg ds uqdlkudh fLFkfr esa vki vf/kd ls vf/kd ykHk ik ldsaA
4-0 izeq[k ckrsa
4-1 dŸkZO;ijk;.krk xkjaVh
;g ,d ,slk chek gS ftlds rgr vkids deZpkjh dsdkj.k gksus okys fdlh rjg ds uqdlku dh HkjikbZ gksrh gSvFkkZr tc vki mls cSad esa tek djus ;k fdlh lIyk;j dksnsus ds fy, udnh nsrs gSa vkSj mls ysdj og Qjkj gks tkrk gSA,sls esa ;g chek vkids dke vkrk gSA
4-2 ,l-vkj-lh-lh-
;g ml uqdlku ds izfr ,d vfrfjDr chek dojst gS tksfd gM+rky] naxksa ;k ukxfjd miÊoksa ds dkj.k gks ldrk gSA
gj O;fDr vius [kqn ds HkkX; dk fuekZrk gksrk gS4-3 r`rh; ik mŸkjnkf;Ro
;g fof/kd :i ls fu/kkZfjr dh xbZ jkf'k gS ftls ,dxkM+h ds ekfyd@pkyd ds fdlh ,sls O;fDr (r`rh; ik)dks Hkqxrku djuk gksrk gS tks fd vkids okgu ds nq?kZVuk dhotg ls ?kk;y@ekjk tkrk gSA
5-0 fooj.k gsrq fdlls lEidZ djsa\
fooj.k gsrq vkSj lansgksa dks nwj djus ds fy, vki tujyba';ksjsal dkjiksjs'ku vkWQ bafM;k kjk izdkf'kr iqLrd flvkidhlHkh cgqewY; oLrq,a------budk chek djuk cgqr vklku gSfi
dk lanHkZ ns[k ldrs gSaA
(ÿe'k% vxys vad esa) n
gjsd O;fDr dks vius ckjs esa cgqr de tkudkjh gksrh gS vkSjvius ckjs esa tkuuk fdlh O;fDr ds fy, cgqr dfBu gksrk gSA
O;olk; m|e dk chek % vko';drk vkSj vkSipkfjdrk,a
1- O;olk;@lsok ;k m|ksx esa fuEu izdkj ds dkSu ls tksf[ke
dks chek ds rgr 'kkfey ugha fd;k tkrk\ œi;k fu'kku
yxk;saA
(d) vkx
([k) pksjh
(x) lsa/kekjh
(?k) HkwdEi
(≥) ck<+
2- chek ij [kpZ djus dh ctk; /ku dks cpkuk cqfºekuh
gSA lR;@>wB
3- chek dEiuh kjk doj fd;s x;s fo'ks"k izdkj ds tksf[ke
,sls gSa fd eq> tSlk dksbZ pkSdl] LekVZ vkSj /;ku j[kus okyk
O;fDr muls dHkh izHkkofr ugha gksxkA lR;@>wB
4- Hkkjr esa cSad Ω.k vkSj foŸkh; enn rc rd ugha nsrs tc
rd fd ml /ku ls [kjhnh xbZ lEifŸk;ksa dk chek ugha djk
fy;k tkrkA lR;@>wB
5- vius ks= esa dk;Zjr chek dEifu;ksa ds uke fy[ksaA
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lgh mŸkj
1- dksbZ ugha
2- >wB
3- >wB
4- lR;
5- tujy ba';ksjsal dkjiksjs'ku vkWQ bafM;k fyfeVsM]
n U;w bafM;k ,a';ksjsal dEiuh fy-] vksfj,aVy
ba';ksjsal dEiuh fyfeVsM vkfnA
dk;Zÿe
28 y?kq m|ksx lekpkj
lwe] y?kq ,oa e/;e m|e ea=ky;] ,e-,l-,e-bZ-
fodkl laLFkku] Hkkjr ljdkj] djuky kjk jkT; Lrjh;
jk"V™h; iqjLdkj ds fy, iqjLdkj forj.k lekjksg dk
vk;kstu jk"V™h; Ms;jh vuqla/kku laLFkku] djuky ds
lHkkxkj esa fd;k x;kA bl lekjksg dh eq[; vfrfFk
ekuuh;k Jherh ehuk e.My] lgdkfjrk ,oa laxzgky;
jkT; ea=h] gfj;k.kk ljdkj FkhaA crkSj fof'k"V vfrfFk
MkW- xqjcpu flag] funs'kd] dsUÊh; e`nk yo.krk vuqlaËkku
laLFkku] djuky] MkW- ,l-,y- xksLokeh] la;qDr funs'kd
iqjLdkj forj.k lekjksg
(vuqla/kku)] jk"V™h; Ms;jh vuqla/kku laLFkku] djuky
,oa Jh ds-lh- ukxk] eq[; izcaËkd] Hkkjrh; LVsV cSad]
djuky blesa mifLFkr gq,A dk;Zÿe dh 'kq#vkr ljLorh
oanuk ls gqbZA
laLFkku ds funs'kd Jh vkj-ih- oS'; us vius laLFkku
dh vksj ls lHkh mifLFkr x.kekU; vfrfFk;ksa] iqjLdkj
fotsrkvksa] vkxarqdksa ,oa vU; mifLFkr O;fDr;ksa dk Lokxr
fd;k rFkk laLFkku dh xfrfof/k;ksa dh fjiksVZ izLrqr dh
iqjLdkj forj.k lekjksg dk vk;kstu jk"V™h; Ms;jh vuqla/kku laLFkku] djuky ds lHkkxkj esa fd;k x;kA lekjksg dh eq[; vfrfFk ekuuh;kJherh ehuk e.My] lgdkfjrk ,oa laxzgky; jkT; ea=h] gfj;k.kk ljdkj lQy m|fe;ksa dks iqjLdkj iznku djrh gqb±A
dk;Zÿe
vizSy&twu] 2009 29
rFkk iqjLdkj fotsrkvksa dks c/kkbZ nsrs gq, dgk fd vki
lHkh m|eh blh rjg ls mRikndrk] xq.koŸkk] vuqla/kku
,oa fodkl ds ks= esa izfrLi/kkZRedrk cuk, j[krs gq, ns'k
dh vkfFkZd izxfr c<+kus esa ;ksxnku nsrs jfg,A
mUgksaus vius mn~cks/ku esa crk;k fd Hkkjr ljdkj]
lwe] y?kq ,oa e/;e m|e ea=ky; kjk izfr o"kZ fofHkUu
Jsf.k;ksa ds varxZr rhu rjg ds jk"V™h; iqjLdkjksa ls dqN
pqfuank m|fe;ksa dks muds fof'k"V iz;klksa ds fy,] ftlesa
mUgksaus vius m|e dh mYys[kuh; izxfr ds lkFk&lkFk
m|ksx ,oa ns'k ds mRFkku esa viuk fo'ks"k ;ksxnku fn;k gS]
ds fy, lEekfur fd;k tkrk gSA bu rhu rjg ds jk"V™h;
i qjLdkjk s a e s a igyk&mRœ"V m|fe;rk i z;kl g sr q ]
nwljk&xq.koŸkk okys mRikn cukus gsrq rFkk rhljk&mRœ"V
vuqlaËkku ,oa fodkl iz;klksa gsrq fn;k tkrk gSA
mUgksaus crk;k fd ,e-,l-,e-bZ- fodkl ,DV&2006
ds ykxw gksus ds ckn ljdkj o"kZ 2007 ls lwe ,oa y?kq
,UVjizkbtst] tks lsok iznku djus ds ks= esa dk;Zjr gSa]
mudk s Hkh i zFke ,oa frh; iqjLdkj ÿe'k% crk Sj
1]00]000@& #i;s] 75]000@& #i;s udn /kujkf'k ds lkFk
izek.k&i= ,oa V™kQh iznku djrh gSA blh ÿe esa e/;e
m|e tks fd mRikn cukus esa dk;Zjr gSa] mudks izFke ,oa
frh; iqjLdkj ÿe'k% crkSj 1]00]000@& #i;s] 75]000@&
#i;s udn /kujkf'k ds lkFk izek.k&i= ,oa V™kQh iznku
djrh gSA
blds vykok lwe] y?kq ,oa e/;e m|e tks 80
izfr'kr ls T;knk vad izkIr djrs gSa mudks fo'ks"k ekU;rk
iqjLdkj ds :i esa crkSj 20]000@& #i;s] udn Ëkujkf'k
ds lkFk izek.k&i= ,oa V™kQh iznku dh tkrh gSA mUgksaus
Hkkjr ljdkj ds ,e-,l-,e-bZ- ea=ky; dh m|fe;ksa ds fy,
;kstukvksa tSls vkbZ-,l-vks-&9000@14001@,p-,-lh-lh-ih-
ds [kpZs dh izfriwfrZ gsrq ;kstuk] DyLVj fodkl ;kstuk]
prqFkZ ,e-,l-,e-bZ- x.kuk ,oa laLFkku ds izf'kk.k dk;Zÿeksa
rFkk m|eh Dycksa ds xBu ds ckjs esa lafkIr tkudkjh nhA
dsUÊh; e`nk yo.krk vuqla/kku lalFkku] djuky ds
funs'kd MkW- xqjcpu flag us vius oDrO; esa dgk fd ;g
cM+h [kq'kh dk ekSdk gS fd Hkkjr ljdkj mRœ"V dk;Z
djus okys m|fe;ksa dks jkT; Lrj ij lEekfur dj jgh
gSA blls dke djus dk mRlkg c<+rk gSA mUgksaus dgk fd
œf"k vkSj m|ksxksa dk lh/kk laca/k gSA vxj ge 10 #i;s
fdyks okys vkyw esa oSY;w ,Mh'ku djuk 'kq: dj nsa rks og
ns'k dh vkS|ksfxd ,oa vkfFkZd rjDdh esa cgqr ;ksxnku ns
ldrs gSaA mUgksaus crk;k fd Hkkjr tSls ns'k esa tgka ij 65
izfr'kr yksx œf"k ks= ls tqM+s gq, gSa ysfdu fodkl nj esa
œf"k ks= dk ;ksxnku 2 ls 3 izfr'kr gh gS] œf"k mRiknksa
dks ;fn lwe ,oa y?kq m|ksxksa ds varxZr vkxs dh izkslsflax
djds izkslsLM mRiknksa ds :i esa Hkstk tk, rks gekjs fdlku
Hkh vius Je dk csgrj ykHk ik ldsaxsA
jk"V™h; Ms;jh vuqla/kku laLFkku] djuky ds la;qDr
funs'kd MkW- ,l-,y- xksLokeh us Hkh iqjLdkj fotsrkvksa
dks c/kkbZ nh vkSj bl ckr ij izlUurk O;Dr dh fd bl
izdkj ds lekjksg m|fe;ksa esa izfrLi/kkZ dh Hkkouk Hkj nsrs
gSa vr% ,sls vk;kstu gksrs jgus pkfg,A mUgksaus phu dk
mnkgj.k nsrs gq, dgk fd pkbfut mRikn esa DokfyVh
iSjkehVj ykxw u gksus ds dkj.k os /khjs&/khjs Hkkjrh; cktkj
ls xk;c gksrs tk jgs gS a vkSj csgrj gks vxj Hkkjrh;
,e-,l-,e-bZ- ks= bl ij dCtk tek ysaA blds fy,
vuqla/kku ,oa fodkl rFkk ^buk so s'ku* dh furk ar
t:jr gSA
Hk kjrh; LV sV c S ad] djuky ds e q[; i zc a/ kd
Jh ds-lh- ukxk us Hkh vius lEcks/ku esa m|fe;ksa dks cSadksa
dh rjQ ls gj laHko lgk;rk nsus dk vk'oklu fn;kA
mUgksaus crk;k fd gekjs cSad dh rjQ ls LiS'ky lSy [kksys
x, gSa tks m|fe;ksa dks rduhdh mUu;u] foLrkj rFkk
izksMDV Mk;olhZfQds'ku vkfn lfgr] ofdZx dSfiVy dh
t:jrksa gsrq Hkh lqyHk rjhdksa ls Ω.k miyC/k djokus gsrq
iz;Ru'khy gSA
dk;Zÿe
30 y?kq m|ksx lekpkj
laLFkku ds mi funs'kd (;ka) Jh fodkl xqIrk us
,e-,l-,e-bZ- ks= esa fn, tkus okys jk"V™h; iqjLdkjksa
rFkk m|eh Dycks a dh ;kstuk dk [kqyklk fd;k rFkk
,e-,l-,e-bZ- ds jk"V™h; iqjLdkj ls lEekfur gfj;k.kk
ds rhu m|fe;ksa dk ifjp; fn;kA
mUgksaus nksuksa iqjLdkj fotsrk@fotsrk bdkb;ksa ds izfrfufËk
dks iqjLdkj iznku fd, ,oa izek.ki= fn,A lkFk gh gfj;k.kk
jkT; ds iwoZ esa jk"V™h; iqjLdkj izkIr fotsrkvksa dks lEekfur
djrs gq, mUgsa V™kQh iznku dhA bl volj ij ekuuh;
lgdkfjrk jkT; ea=h us laLFkku ls izdkf'kr gksus okys
U;wtysVj ds izFke vad dk foekspu Hkh fd;k rFkk
,e-,l-,e-bZ- ea=ky;] Hkkjr ljdkj dh ;kstuk ds varxZr
xfBr fd, x, gfj;k.kk jkT; ds 7 m|eh Dycksa dh
^ykafpax* Hkh dhA
vius lEcks/ku esa ekuuh;k ea=h us dgk fd Hkkjr esa
1-25 djksM+ lwe] y?kq ,oa e/;e m|ksx gSaA bu m|ksxksa
dk ns'k dh izxfr esa egRoiw.kZ ;ksxnku gSA ;g lsDVj ns'k
ds dqy mRikn dk 39 izfr'kr mRikn dj] 3-10 djksM+
yksxksa dks jkstxkj iznku djrk gS o ns'k ls dqy fu;kZr esa
bldk ;ksxnku 34 izfr'kr gSA izns'k ds ,e-,l-,e-bZ-
ks= dk ;ksxnku lcls vf/kd gSaMywe mRikn o cklerh
pkoy fu;kZr djus esa gSA
mUgksaus bl ckr ij izlUurk tkfgj dh fd o"kZ 2007
ds jk"V™h; iqjLdkjksa ds forj.k esa e/;e m|ksxksa dh Js.kh
esa lEiw.kZ ns'k ls gfj;k.kk ds m|eh Jh ,e-,l- lkguh]
eSltZ byksfQd baMfLV™;y fyfeVsM] Qjhnkckn dk p;u
gqvk gS ftUgsa izFke jk"V™h; iqjLdkj ls uoktk x;k gS] blds
fy, eSa mUgsa cgqr&cgqr c/kkbZ nsrh gwaA bUgksaus ;g iqjLdkj
thr dj izns'k dk cgqr lEeku c<+k;k gSA
mUgksaus dgk fd gfj;k.kk ljdkj Hkh m|ksxksa ds c<+kos
gsrq fo'ks"k :i ls iz;kljr gSA vc xqM+xkao] Qjhnkckn]
ekuslj] dq.Myh] ;equkuxj] jsokM+h] ikuhir o vU; ftyksa
esa vkS|ksfxd izxfr ns[kus dks fey jgh gSA djuky ftys
esa ,xzhdYpj midj.kksa ds m|ksxksa ds DyLVj ds fodkl
gsrq ,e-,l-,e-bZ- ea=ky;] Hkkjr ljdkj us fiNys o"kks± esa
vkS|ksfxd lEink cuk dj bu m|ksxksa ds fodkl gsrq Hkjiwj
cy fn;k gSA ;s m|ksx ns'k o fons'k dh œf"k izfÿ;kvksa
dks c<+kus esa cgqr lg;ksx ns jgs gSaA blh rjg fiNys pan
o"kks± esa Hkkjr ljdkj kjk djuky ftys dh pkoy feyksa
ds fodkl gsrq dk;Zjr DyLVj fodkl dk;Zÿe esa Hkh
izns'k ljdkj dk ;FkklaHko ;ksxnku jgk gS ftlls feyksa us
vius mRikn o fu;kZr esa Hkjiwj o`fº dh gSA
mUgksaus bl jkT;Lrjh; lekjksg esa fo'ks"k ekU;rk izkIr
dj jgs nksuksa m|fe;ksa ,oa mudh daifu;ksa dks c/kkbZ nh o
dgk fd bu lcus ;g iqjLdkj thr dj izns'k dk xkSjo
c<+k;k gSA ge lcdks buls izsj.kk ysdj vius ks=ksa esa iwjh
dk;Zdq'kyrk ls vkxs c<+uk pkfg,A esjh ;g gkfnZd bPNk
gS fd vkus okys o"kks± esa bl izns'k ds vf/kd ls vf/kd
m|eh ;g jk"V™h; iqjLdkj thrsa vkSj gfj;k.kk izns'k dk
uke ≈apk djsaA ge ;g vk'oklu nsrs gSa fd izns'k ljdkj
dk vkidks gj rjg ls lEiw.kZ lg;ksx feyrk jgsxkA
ns'k esa dqy 34 m|ksxksa dks mRœ"V m|ferk gsrq feys
fo'ks"k ekU;rk iqjLdkjks a es a gfj;k.kk izns'k ls p;fur
Qjhnkckn ds y?kq m|eh Jh eksgu izlkn :axVk] eSltZ
dksleksl Qkbcj Xykl fyfeVsM] Jh vuwi JhokLro]
eSltZ baMks fczfV'k xkjesaV izk-fy- Qjhnkckn ds izfrfuf/k
Jh duZy ;kno rFkk o"kZ 2007 ds e/;e m|e Js.kh ds
izFke jk"V™h; iqjLdkj ls lEekfur m|eh Jh ,e-,l-
lkguh ds izfrfuf/k Jh vt; lsB us viuh ,oa vius
m|e dh dgkuh crkbZA lekjksg esa uoxfBr m|eh Dycksa
ds v/;kksa us Hkh vius fopkj j[ksA
dk;Zÿe dk lapkyu Jherh ehuk uanokuh] lgk;d
funs'kd (lkaf[;dh) us fd;k rFkk vkHkkj laLFkku ds
lgk;d funs'kd (;kaf=d) Jh ch-,u- diwj us izdV
fd;kA n
dk;Zÿe
vizSy&twu] 2009 31
Hkkjr ljdkj] lwe y?kq ,oa e/;e m|e ea=ky;
ds vUrZxr ,e-,l-,e-bZ- fodkl laLFkku] djuky kjk
fnukad 30-1-2009 dks fte[kkuk Dyc] djuky esa djuky
,p-,l-vkbZ-Mh-lh- baMLV™hl osyQs;j ,lksfl,'ku ,oa
djuky M™x ,oa QkekZL;wfVdy ,lksfl,'ku ds dk;Zdkjh
lnL;ksa ds fy, ÿsfMV fyaDM dSfiVy lfClMh Ldhe
dk;Zÿe dk vk;kstu fd;k x;kA dk;Zÿe ds izkjEHk esa
Jh vkj-ih- oS';] funs'kd] lwe] y?kq ,oa e/;e m|e
fodkl laLFkku] djuky us vk, gq, lHkh izfrfuf/k;ksa
dk Lokxr fd;k rFkk dk;Zÿe ds mn~ns'; dks Li"V
djrs gq, crk;k fd bl dk;Zÿe dk eq[; mn~ns';
lwe y?kq ,oa e/;e bdkb;ksa ds izfrfuf/k tks fd vkt
izfrLi/kkZ ds bl nkSj esa vkfFkZd :i ls detksj gksus ds
dkj.k viuh bdkb;ksa esa vk/kqfudhdj.k djus ls oafpr
jg tkrs gSa] os m|eh Hkkjr ljdkj dh ÿsfMV fyaDM
dSfiVy lfClMh Ldhe ds varxZr ,d djksM+ #i;s
rd dk Ω.k 15 izfr'kr lfClMh ds lkFk jk"V™h;œr
cSad ls ysdj viuh bdkb;ks a dks vk/kqfud <ax ls
lqlfTtr dj ldrs gSaA
Jh oS'; us crk;k fd lwe] y?kq ,oa e/;e m|e
ea=ky; kjk pykbZ tk jgh Hkkjr ljdkj dh vU;
ÿsfMV fyaDM dSfiVy lfClMh Ldhe dk;Zÿe
eq[; vfrfFk ekuuh; lkaln MkW- vjfoan 'kekZ dk;Zÿe dk mn~?kkVu djrs gq,A
dk;Zÿe
32 y?kq m|ksx lekpkj
;kstuk,a tSls vkbZ-,l-vks- 9000 fjbeclZesaV@14000]
vkfn ;kstukvksa dk Qk;nk mBkdj bdkb;ka viuk mRiknu
Lrj lq/kkj dj vf/kd ls vf/kd equkQk vftZr dj
ldrh gSaA Jh oS'; us laLFkku kjk pyk;s tk jgs fofHkUu
rduhdh dk;Zÿeksa dh tkudkjh Hkh izfrHkkfx;ksa dks nhA
dk;Zÿe ds eq[; vfrfFk ekuuh; lkaln MkW- vjfoan
'kekZ us vius mn~?kkVu Hkk"k.k esa dgk fd lwe] y?kq ,oa
eË;e m|e fodkl laLFkku] djuky kjk vk;ksftr
fd;s tk jgs dk;Zÿe lekt ds f'kfkr csjk stxkj
;qod&;qofr;ksa ds fy, Lojkstxkj rFkk ekStwnk m|fe;ksa
ds fy, rduhdh rFkk ekdsZfVax ls lacaf/kr izksxzke tgka
lekt es a c sjk stxkjh gVkr s g S a ogh a ek St wnk m|eh
viuh&viuh bdkb;ksa esa Kku vftZr djus ds ckn viuk
mRiknu rFkk viuk dk;Zks= c<+k ldrs gSaA mUgksaus dgk
fd bl izdkj ds dk;Zÿeksa dk vk;kstu lwe] y?kq ,oa
e/;e m|e fodkl laLFkku dk ,d cM+k gh ljkguh;
dne gSA eSa laLFkku ds funs'kd rFkk vU; vfËkdkfj;ksa
ls vuqjks/k djrk gwa fd os ,sls dk;Zÿe vf/kd ls vfËkd
vk;ksftr djsaA blls djuky rFkk mlds vklikl ds
m|ksxks a ds mRFkku ,oa foLrkj dks egRoiw.kZ ;ksxnku
feysxkA
Hkkjr ljdkj dh bl izdkj dh ;kstukvksa ls Kku
vftZr djds m|eh viuh bdkbZ dks vk/kqfud <ax ls
lqlfTtr djds mRiknu c<+kdj u dsoy viuh vkfFkZd
fLFkfr etcwr djrs gS a cfYd jkT; rFkk ns'k dh
vFkZO;oLFkk ds fodkl esa Hkh egRoiw.kZ Hkwfedk vnk
djrs gSaA mUgksaus dgk fd gekjh ljdkj m|ksxksa ds fodkl
gsrq gj laHko lgk;rk nsus gsrq opucº gSA Jh 'kekZ us
dgk fd eq>s iw.kZ fo'okl gS fd gekjk ea=ky; iwjs izns'k
esa lwpukijd dk;Zÿe vk;ksftr djds vf/kd ls vfËkd
yksxksa dks tkx:d djsxk ftlls gekjs izns'k dh csjkstxkjh
nwj gksus ds lkFk&lkFk ekStwnk bdkb;ka vius mRikn dks
T;knk vPNk cuk ldsaxhA mUgksaus ,e-,l-,e-bZ- fodkl
laLFkku] djuky ls Hkfo"; esa Hkh lekt ds f'kfkr
csjkstxkj ;qod&;qofr;ksa ds fy, jkstxkjijd rFkk ekStwnk
m|fe;ksa ds fy, rduhdh rFkk ekdsZfVax ls lacaf/kr
izksxzke vf/kd ls vf/kd djus gsrq vkg~oku fd;kA
,p-,l-vkb Z -vkb Z -Mh -lh - b aMLV ™ h o syQ s;j
,lksfl,'ku] djuky ds v/;k Jh iq#"kksŸke efyd
,oa Jh vkj-,y- 'kekZ] ,p-,l-vkbZ-vkbZ-Mh-lh- ds
dk;Zdkjh lnL; us ,lksfl,'ku ds vius dk;Zks= ds
fodkl ds ckjs esa voxr djk;k rFkk vuqjks/k fd;k fd
bl rjg ds dk;Zÿe le;≤ ij vk;ksftr gksus
pkfg, ftlls m|fe;ksa dks Hkkjr ljdkj dh ;kstukvksa
dh uohure tkudkjh le;≤ ij feyrh jgsA
mn ~? k kVu l= dk lekiu Jh fodkl x q Irk]
mifuns'kd (;ka) ds /kU;okn izLrko ls gqvkA rduhdh
l= ds nkSjku laLFkku ds Jh fodkl xqIrk] mifuns'kd
(;ka) us Hkkjr ljdkj dh feuh Vwy :e] baVjus'kuy
dkjiksjs'ku rFkk ÿsfMV fyaDM dSfiVy lfClMh Ldhe
ds ckjs esa] Jh ch-,u- diwj] lgk;d funs'kd (;ka) us
vkbZ-,l-vks- 9000@14000 rFkk lfVZfQds'ku rFkk Hkqxrku
ds ckjs esa] Jh jkds'k osn] lgk;d funs'kd us ÿsfMV
xkjaVh QaM V™LV ds ckjs esa tkudkjh nhA
dk;Zÿe ds la;kstd Jh lquhy dqekj] lgk;d
funs'kd us Hkkjr ljdkj dh ,u-,e-lh-ih- dh Ldhe
ds ckjs esa crk;kA Jh vkj-ds- vjksM+k] phQ eSustj us
cSafdax Ldhe ds ckjs esa crk;kA dk;Zÿe dk lekiu Jh
fot; f=[kk] tujy lfpo] ,p-,l-vkbZ-vkbZ-Mh-lh-
baMLV™hl osyQs;j ,lksfl,'ku ds /kU;okn izLrko ds
lkFk gqvkA bl dk;Zÿe esa yxHkx 90 izfrHkkfx;ksa@
m|fe;ksa us Hkkx fy;kA n
dk;Zÿe
vizSy&twu] 2009 33
djuky esa ck;ksVsDuksykWth ij vkËkkfjr m|ferk dkS'ky fodkl
Áf'kk.k dk;Zÿe dk vk;kstu
O;fDr [kk| izlaLdj.k] tSfod [ksrh] fpfdRlk jksxksa dh igpku
vkfn ds ks= esa viuk O;olk; 'kq: djds viuh vkthfodk
pyk ldrk gSA
dk; Zÿe dh v/;krk djr s g q, fun s'kd]
,e,l,ebZ&MhvkbZ] djuky Jh vkj-ih- oS'; us crk;k fd
ck;ksVsDuksykWth ds dk;Zÿe dks rhu Hkkxksa esa foHkkftr fd;k
x;k gSA igys Hkkx esa izfrHkkfx;ksa dks ck;ksVsDuksykWth ls lacafËkr
fo"k;ksa dk Kku nsuk] nwljs Hkkx esa ck;ksVsd mRiknksa dk
O;kogkfjd Kku nsuk rFkk rhljs Hkkx esa izfrHkkfx;ksa dks lacafËkr
bdkb;ksa dk nkSjk djkdj mudk Kku vtZu djus ds lkFk&lkFk
viuk O;olk; dSls 'kq: djsa rFkk eSustesaV ls lacafËkr
tkudkjh Hkh dk;Zÿe ds nkSjku nh tk,xhA mUgksaus izfrHkkfx;ksa
dks lQy gkssus ds rjhds crk, vkSj dgk fd lgh le; ij
lwe] y?kq ,oa e/;e m|e fodkl laLFkku] Hkkjr ljdkj]
djuky kjk fnukad 25-3-09 ls 13-5-09 rd ck;ksVsDuksykWth
fo"k; ij vk/kkfjr N% lIrkg ds m|ferk dkS'ky fodkl
izf'kk.k dk;Zÿe dk vk;kstu fd;k x;k] ftldk mn~?kkVu
fnukad 25-3-09 dks ,u-Mh-vkj-vkbZ-] djuky ds funs'kd
,oa dqyifr Jh vfuy dqekj JhokLro kjk fd;k x;kA
loZizFke dk;Zÿe ds la;kstd Jh lquhy dqekj] lgk;d
funs'kd (jlk;u) kjk leLr izfrHkkfx;ksa ,oa vfrfFk;ksa dk
Lokxr fd;k x;k rFkk dk;Zÿe ds nkSjku doj fd, tkus
okys fo"k;ksa dh tkudkjh iznku dh xbZA vius mn~?kkVu
Hkk"k.k esa MkW- JhokLro us crk;k fd ck;ksVsDuksykWth dk Kku
vkt ds ;qx esa i<+s&fy[ks O;fDr dks gksuk ije vko';d gSA
mUgksaus crk;k fd ck;ksVsDuksykWth dk Kku v£tr dj dksbZ Hkh
ck;ksVsDuksykWth ij vk;ksftr m|ferk dkS'ky fodkl Áf'kk.k dk;Zÿe dk ,d n`';A
dk;Zÿe
34 y?kq m|ksx lekpkj
lgh QSlyk ysuk] lwe i;Zoskd cuuk rFkk vuq'kklu esa jguk
,d lQy m|eh ds xq.k gSa tks fd lgh lksp vkSj vuqHko ls
vkrs gSaA mUgksaus dgk fd vki fÿ,fVfofV] buksos'ku rFkk oSY;w
,Mh'ku ls vius izksMDV dh xq.koŸkk esa lq/kkj yk ldrs gSaA
N% lIrkg ds dk;Zÿe ds nkSjku œf"k foKku dsaÊ] ,u
Mh vkj vkbZ djuky ds foHkkxk/;k MkW- fnyhi xkslkabZ kjk
ck;ksVsDuksykWth dh ewy tkudkjh ds lkFk&lkFk [kk| izlaLdj.k]
erL; ikyu rFkk vU; [kk| inkFkks± ds cukus rFkk ifjjk.k
dh fof/k;ksa dh tkudkjh nh xbZA Jherh ljkst esgrk] rduhdh
vf/kdkjh] ,u Mh vkj vkbZ djuky kjk elkyk] iuhj]
eVdk dqYQh rFkk VekVj ls cuus okys mRiknksa dks cukus rFkk
lqjfkr j[kus dh tSo izkS|ksfxdh dh tkudkjh nh xbZA
gksjVhdYpj V™sfuax baLVhP;wV] pkS/kjh pj.k flag gfj;k.kk œf"k
fo'ofo|ky;] mpkuh djuky ds izHkkjh MkW- eukst dqaMw kjk
fV';w dYpj] ekbÿksizksisxs'ku rFkk fV';w dYpj ds fy,
rS;kj fd, tkus okys ehfM;k dh tkudkjh izfrHkkfx;ksa dks
nhA MkW- lR;oku efyd kjk tSfod [ksrh rFkk tSfod [kkn
dks cukus dh tkudkjh] MkW- dqynhi •lg kjk ,jkseSfVd rFkk
vkS"k/kh; ikSËkksa ds fu"d"kZ.k dh fof/k;ksa dh tkudkjh rFkk
MkW- ,l-ih- vxzoky kjk ck;ksiSLVhlkbM ds ckjs esa foLr`r
tkudkjh nh xbZA izfrHkkfx;ksa dks dk;Zÿe ds nkSjku fofHkUu
ck;ksVsDuksykWth rFkk [kk| izlaLdj.k dh bdkb;ksa eSltZ iwtk
oehZdEiksLV] xkao xkxj ftyk djuky] eSltZ [kkylk Ms;jh
djuky] eSltZ lqYrku fQ'k lhMl xkao cqVkuk ftyk djuky
esa eNyh ikyu rFkk vU; bdkb;ksa dk nkSjk djk;k x;kA
dk;Zÿe ds nkSjku viuk O;olk; dSls 'kq: djsa rFkk Hkkjr
ljdkj rFkk jkT; ljdkj kjk nh tkus okyh lgk;rkvksa ds
lkFk izca/ku laca/kh tkudkjh Hkh dk;Zÿe ds nkSjku nh xbZA
dk;Zÿe dk lekiu lekjksg fnukad 13-5-09 dks
,uMhvkjvkbZ] djuky ds lHkkxkj esa fd;k x;k ftlesa
fun s'kd ,oa dqyifr Jh vfuy dqekj JhokLro]
,uMhvkjvkbZ eq[; vfrfFk rFkk Jh ts-ds- vk;kZ] HkwriwoZ
vkS|ksfxd lykgdkj] ubZ fnYyh ls fof'k"V vfrfFk ds :i
esa iËkkjsA dk;Zÿe dh v/;krk Jh vkj-ih- oS';] funs'kd]
lwe] y?kq ,oa e/;e m|e fodkl laLFkku] djuky us dhA
loZizFke Jh fodkl xqIrk] mifuns'kd (;ka-) us vfrfFk;ksa
rFkk lHkh izfrHkkfx;ksa dk Lokxr fd;kA Jh lquhy dqekj]
lgk;d funs'kd (jlk;u) us dk;Zÿe ds nkSjku doj djk,
x, fo"k;ksa dh tkudkjh nhA Jh ,l-,y- xksLokeh] la;qDr
funs'kd] ,uMhvkjvkbZ us crk;k fd vkt ds ;qx esa
ck;ksVsDuksykWth ks= esa Lojkstxkj dh cgqr laHkkouk,a gSa vkSj
m|eh ck;ksVsDuksykWth ks= esa dksbZ Hkh fo"k; pqudj vius
vki dks Lokoyach cuk ldrs gSaA
dk;Zÿe dh v/;krk dj jgs Jh vkj-ih- oS';] funs'kd]
lwe] y?kq ,oa e/;e m|e fodkl laLFkku] djuky us vius
lacks/ku esa izfrHkkfx;ksa dks crk;k fd bl dk;Zÿe esa F;ksjh ds
lkFk&lkFk izSfDVdy ukWyst Hkh nh xbZ vkSj LVMh foftV Hkh
djok;k x;k gS rkfd izfrHkkfx;ksa dh fdlh Hkh rjg dh
ijs'kkuh u gksA os FkksM+k lk Kku vftZr dj dpjs dks [kkn esa
cny ldrs gSa rFkk lhojst ds ikuh dks ck;ksVsDuksykWth ds
tfj, œf"k ds fy, rFkk ihus ds ikuh ds ;ksX; cuk;k tk
ldrk gSA Jh oS'; us izfrHkkfx;ksa dks crk;k fd os ck;ksVsd
dh tkudkjh gkfly djds vius fy, gh ugha cfYd nwljksa
ds fy, Hkh jkstxkj fodflr djsaA mUgksaus izfrHkkfx;ksa kjk
rS;kj fd, x, izksMDVl dk fMLIys ns[k dj iz'kalk dh vkSj
dgk fd Hkfo"; esa vxj mUgsa fdlh Hkh rjg dh lgk;rk dh
t:jr iM+rh gS rks mudk laLFkku ges'kk rRij jgsxkA dk;Zÿe
ds fof'k"V vfrfFk Jh ts-ds- vk;kZ] HkwriwoZ vkS|ksfxd lykgdkj]
ubZ fnYyh us vius mn~cks/ku esa laLFkku dh ljkguk djrs gq,
dgk fd FkksM+s ls le; esa cgqr dqN doj djk;k x;k gSA
dk;Zÿe ds eq[; vfrfFk ,uMhvkjvkbZ ds funs'kd ,oa
dqyifr Jh vfuy dqekj JhokLro us izfrHkkfx;ksa dks lacksfËkr
djrs gq, crk;k fd gekjk ns'k nqX/k mRiknu esa ,d uacj ij gS
ysfdu fQj Hkh 22 izfr'kr cPps ,sls gSa ftUgksaus dHkh nwËk dk Lokn
Hkh ugha p[kkA mUgksaus dgk fd nw/k dh ctk, ngh cgqr Qk;nsean
gSA mUgksaus iuhj ds ikuh dh egŸkk dks crkrs gq, dgk fd ;s dSalj
dh jksdFkke ds fy, cuus okyh nok ds :i esa dke vkrh
gSA var esa mUgksaus dgk fd ge ck;ksVsDuksykWth ls ns'k esa ÿkafr
yk ldrs gSaA vkSj ;s N% lIrkg tks vkius bl izf'kk.k dk;Zÿe
esa yxk, gSa mudk Qk;nk vkidks lkyksalky feysxkA rRi'pkr
20 lQy izfrHkkfx;ksa dks izek.k i= forfjr fd, x,A
var esa Jh lquhy dqekj] lgk;d funs'kd (jlk;u) us
lHkh vfrfFk;ksa vkSj izfrHkkfx;ksa dk vkHkkj izdV fd;kA n
dk;Zÿe
vizSy&twu] 2009 35
lwe] y?kq ,oa e/;e m|e fodkl laLFkku] djuky
kjk fnukad 27-3-2009 dks djuky esa œf"k ;a=kas ,oa lacafËkr
mRiknksa ds fuekZrkvksa gsrq fu;kZr iSdsftax ij vk/kkfjr ,d
fnolh; dk;Z'kkyk dk vk;kstu fd;k x;k] ftldk mn~?kkVu
lwe] y?kq ,oa e/;e m|e fodkl laLFkku] djuky ds
funs'kd Jh vkj-ih- oS'; kjk fd;k x;kA bl volj ij
laLFkku ds Jh lquhy dqekj] lgk;d funs'kd (jlk;u) us
eq[; vfrfFk] vU; vf/kdkjhx.k ,oa izfrHkkfx;ksa dk Lokxr
fd;k rFkk dk;Zÿe ds mn~ns'; ds ckjs esa crkrs gq, dgk
fd vkt buksos'ku] fÿ,fVfoVh ,oa oSY;w ,Mh'ku ds ;qx
esa tks m|ksxifr ubZ&ubZ tkudkjh gkfly djds vius mRikn
dks u, rjhds ls is'k djrk gS og vo'; gh vU; ds
eqdkcys vf/kd ykHkkfUor gksrk gSA mUgksaus fofHkUu daifu;ksa
ds mRiknksa dk mnkgj.k nsdj crk;k fd mRikn ewY; de
gksus ds ckotwn csgrj iSdsftax ds dkj.k vf/kd dher ij
ekdsZV esa csps tk jgs gSa] vr% gesa iSdsftax dks Hkh izksMD'ku
dk fgLlk ekuuk pkfg, vkSj mlh dh uohure tkudkfj;ka
iznku djus gsrq bl dk;Zÿe dk vk;kstu fd;k x;k gSA
Jh oS'; us vius mn~?kkVu Hkk"k.k esa dgk fd bdkb;ksa
dks fu;kZr dh iSdsftax ds ckjs esa vkËkqfud Kku ls voxr
djkuk gS ftlls bdkb;k° iSdsftax dh ubZ&ubZ tkudkfj;ka
gkfly djds vius lkeku dks xzkgd dh ilan ds vuqlkj
vius xarO; LFkku ij Hkyh Hkkafr igqapk ldsaA vU;Fkk ;g
ns[kus esa vkrk gS fd ge ftl mRikn dks ,d LFkku ls nwljs
LFkku ij Hkstrs gSa og jkLrs esa gh VwV&QwV tkrk gS ftlls
bdkbZ dks dkQh vkfFkZd uqdlku Hkh mBkuk iM+rk gS] vr%
iSdsftax fdlh mRikn ds foi.ku ,oa Hk.Mkj.k dk vfHkUu
vax gSA mUgksaus crk;k fd vxj ge mRikn dh iSdsftax dks
vyx u le> dj eSU;wQSDpfjax dk gh ikVZ ekusa rFkk
fnu&izfrfnu mlds vanj oSY;w ,Mh'ku djrs jgsa rks ge
œf"k ;a=ksa ds fuekZrkvksa gsrq fu;kZr iSdsftax ij vk/kkfjr
,dfnolh; dk;Zÿe
lwe] y?kq ,oa e/;e m|e fodkl laLFkku] djuky kjk fu;kZr iSdsftax ij vk;ksftr dk;Zÿe dk n`';A
dk;Zÿe
36 y?kq m|ksx lekpkj
lwe] y?kq ,oa e/;e m|e fodkl laLFkku] Hkkjr ljdkj]
djuky kjk fnukad 13-2-09 ls 27-3-09 rd jlk;u [kk|
,oa fofo/k inkFkks± ij vkËkkfjr N% lIrkg ds m|ferk dkS'ky
fodkl izf'kk.k dk;Zÿe dk vk;kstu fd;k x;kA dk;Zÿe
ds la;kstd Jh lquhy dqekj] lgk;d funs'kd (jlk;u) us
vfrfFk;ksa rFkk lHkh izfrHkkfx;ksa dk Lokxr fd;kA dk;Zÿe
ds nkSjku nSfud mi;ksx dh oLrq,a tSls fofHkUu izdkj ds
fMVjtsaV ikmMj] bth tSlk fyfDoM fMVjtsaV] pkWd] eksecŸkh]
fQukby] diM+s /kksus dk lkcqu] uhy] vxjcŸkh] /kwi] gou
lkexzh] vpkj] eqjCcs] tSyh] tSe] Ld~oS'k] :g vQtk] LuSDl
rFkk vU; [kk| inkFkks± dh tkudkjh nh xbZA
dk;Zÿe ds eq[; vfrfFk Jh vkj-ih- oS';] funs'kd]
lwe] y?kq ,oa e/;e m|e fodkl laLFkku] djuky us vius
mn~?kkVu Hkk"k.k esa crk;k fd ;s mRikn ,Q ,e lh th lewg
ds varxZr vkrs gSaA ftudh t:jr gj ?kj] gj ifjokj dks
gksrh gS rFkk bu mRiknksa dk fuekZ.k m|eh cgqr de ykxr
yxkdj cM+h vklkuh ls 'kq: dj ldrs gSa vkSj ftudk xzkgd
vke vkneh gksrk gS] vr% ge vius vklikl dh t:jrksa dks
ns[krs gq, ,sls mRiknksa dk p;u djsa ftudh ekax vf/kd gSA
mUgksaus dgk fd vkt izfrLi/kkZ ds bl ;qx esa tks O;fDr
u,&u, fopkjksa rFkk ewY; lao/kZu dk fu;e viukrk gS og
vius O;olk; dks yxkrkj vkxs c<+krk gS vkSj tks bu phtksa
jlk;u] [kk| ,oa fofo/k inkFkks± ij vk/kkfjr m|ferk dkS'ky
fodkl izf'kk.k dk;Zÿe
vius mRikn dk vf/kdre ewY; ds lkFk&lkFk cktkj esa
viuh vyx igpku Hkh cuk;saxsA mUgksaus ;g Hkh crk;k fd
f'kieSaV ds nkSjku mRikn dks ,d ns'k ls nwljs ns'k rd
igqaprs le; mldks fofHkUu ifjfLFkfr;ksa ls xqtjuk iM+rk
gS] vr% gekjh iSdsftax ,slh gksuh pkfg, ftl ij ueh]
izdk'k] cSDVhfj;k rFkk ,d LFkku ls nwljs LFkku ij j[kus
ij mldh lsQ lkbt ij dksbZ izHkko u iM+sA vkt ds ;qx
esa iSdsftax ,DliksVZ ds fodkl esa egRoiw.kZ jksy vnk
djrh gS blfy, iSdsftax] ,DliksVZ ekdsZfVax esa ,d vge
fgLlk gSA blds kjk ge dsoy vius mRikn dk mfpr
ewY; gh ugha izkIr djrs vfirq mRikn dks lgh lyker ,d
ns'k ls nwljs ns'k rd Hkh igqapkrs gSaA mUgksaus dgk fd bl
rjg ds dk;Zÿe u dsoy Kku dks c<+krs gSa vfirq vPNh
dk;Zdq'kyrk gsrq izsj.kk ds Hkh L=ksr curs gSaA
vkbZ-vkbZ-ih-] ubZ fnYyh ls vk;s Jh nhid [ksMdj]
la;qDr funs'kd us iSdsftax dh uohure tkudkjh nh rFkk
;g Hkh crk;k fd vPNh rjg fVdk≈ iSdsftax ds fy,
fdl izdkj ds eSVsfj;y dh vko';drk gksrh gSA mUgksaus
fofHkUu œf"k ;a=ksa dh bdkb;ksa eSltZ djuky œf"k ;a=]
baÊh jksM djuky] iatkc ,xzks lsYt] ,p-,l-vkbZ-Mh-lh]
djuky] eksMuZ ,xzhd bDohieSaV~l] ,p-,l-vkbZ-Mh-lh]
djuky rFkk csjh m|ksx] ,p-,l-vkbZ-Mh-lh] djuky dh
bdkb;ksa esa tkdj muds mRiknksa ds vuqlkj mudh vPNh ls
vPNh iSdsftax dh tkudkjh m|fe;ksa dks nhA mUgksaus crk;k
fd vxj dksbZ gekjs laLFkku ls iSdsftax ls lacaf/kr VsLV
djokuk pkgrk gS rks ge cgqr de ykxr ij Hkh ;g VsLV
djus dks rS;kj gSaA
Jh jktsUÊ jkt iky] v/;k] djuky ,xzhdYpj
baIyheSaV eSU;wQSDpjj ,lksfl,'ku] djuky us mudh
,lksfl,'ku dh bdkb;ksa gsrq bl rjg ds dk;Zÿe vk;ksftr
djus gsrq ËkU;okn fd;k ,oa dgk fd ge ubZ&ubZ rduhdksa
dk vo'; Qk;nk mBk;saxs vkSj Hkfo"; esa lwe] y?kq ,oa
e/;e m|e fodkl laLFkku] djuky dk lg;ksx ysrs jgsaxsA
var esa Jh lquhy dqekj] lgk;d funs'kd us lHkh vfrfFk;ksa
,oa izfrHkkfx;ksa dk /kU;okn fd;kA bl dk;Zÿe esa
15 izfrHkkfx;ksa us Hkkx fy;kA n
dk;Zÿe
vizSy&twu] 2009 37
dk /;ku ugha j[krk og vius O;olk; dks dnkfi Hkh
lQyrkiwoZd ugha pyk ldrk gSA mUgksaus crk;k fd mez ds
lkFk&lkFk gekjs [kk| inkFkZ cnyrs jgrs gSa vkSj dgk fd lgh
mRikn dks mfpr iS•dx ds lkFk vxj mfpr LFkku ij Hkstk
tkrk gS rks mldk ykHk Hkh vo'; m|eh dks feyrk gS] mUgksaus
dgk fd yxkrkj cktkj esa viuk LFkku cukus ds fy, DokfyVh
ls dHkh Hkh le>kSrk u djsa] iS•dx ges'kk mŸke fdLe dh gksA
ftlls u dsoy vki vf/kd ls vf/kd xzkgdksa dks vkdf"kZr
djrs gS] vfirq vf/kd ls vf/kd ykHk Hkh dek ldrs gSaA
bl dk;Zÿe dks rhu Hkkxksa esa ckaVk x;k FkkA igys Hkkx esa
izca/ku lacaËkh tkudkfj;ka] nwljs Hkkx esa [kk| inkFkks± ,oa lacafËkr
mRiknksa dk O;ogkfjd ,oa lSºkafrd Kku rFkk rhljs Hkkx esa
jlk;u rFkk lacaf/kr mRiknksa dk O;kogkfjd ,oa lSºkafrd Kku
dk;Zÿe ds nkSjku fn;k x;k] ftldk fooj.k fuEu izdkj gS %
izFke Hkkx esa Jh lquhy dqekj kjk izkstsDV izksQkby
rS;kj djuk] ykHk&gkfu dk C;kSjk rS;kj djuk] cszd bZou
IokbaV dk fo'ys"k.k rFkk Hkkjr ljdkj dh ljdkjh [kjhn
rFkk vU; ;kstukvksa vkfn dh tkudkjh nh xbZ rFkk Jh gfj
Kku flag] izca/kd] eS- vkblsosV gSYFk ds;j kjk fQukbZy
rFkk [kk| lIyheSaV ds ykblSaflax izfÿ;k ds ckjs esa tkudkjh
nh xbZA Jh eqds'k dqekj oekZ] lgk- funs'kd (vkb,eVh)
rFkk MkW- ,e-,e- tksyh] us dLVej fjsys'kuf'ki eSusteSaV
ekfdZV losZ ds lkFk&lkFk viuk m|ksx dSls 'kq: djsa ds ckjs
esa foLrkjiwoZd tkudkjh nhA
dk;Zÿe ds nwljs Hkkx esa Jherh ljkst 'kekZ ,oa vU;
[kk| fo'ks"kKksa kjk fofHkUu izdkj ds vpkj] eqjCcs] pVuh]
tSyh] tSe] Ld~oS'k :g vQtk] fitk] <ksdyk] eapwfj;u]
VeSVks lkWl] dSpi] I;wjh rFkk VeSVks dksYM fM™ad ds lkFk
fljdk] cSdjh izksMDV~l rFkk LuSDl dk lSºkafrd rFkk
O;kogkfjd Kku dh foLr`r tkudkjh nh xbZA
dk;Zÿe ds rhljs Hkkx esa Jh baÊthr Ωf"k kjk fofHkUu
izdkj ds fMVjtSaV ikmMj] fujksy lkcqu] isaV okfuZ'k] fyfDoM
lksi rFkk dPps eky o e'khujh ds pquko ds ckjs esa tkudkjh
nh xbZA Jh gfjKku flag] izca/kd] eSltZ vkblsosV gSYFk ds;j
kjk dkyk rFkk lQsn fQukby] gSaM ok'k] fM'k ok'k] Xykl
os;j Dyhuj] IykfLVd Dyhuj rFkk dPps eky dh igpku
dk lSºkafrd rFkk O;ogkfjd Kku fn;k x;kA Jh lquhy
dqekj] lgk;d funs'kd (jlk;u) kjk eksecfŸk;ka] uhy]
pkWd ,oa vU; ds kjk gcZy 'kSEiw] gcZy esganh] gs;j MkbZ
vkfn dk lSºkafrd rFkk O;ogkfjd Kku fn;k x;kA Jh lat;
fuxe] lgk;d funs'kd ([kk|) us ,sls mRikn dk O;kogkfjd
,oa lSºkafrd Kku fn;k ftudks xjhc ls xjhc O;fDr cgqr
de iwath yxk dj viuk O;olk; 'kq: dj ldrk gSA blds
vykok viuk O;olk; dSls 'kq: djs] Ω.k dgka ls izkIr
djsa] vius mRikn dh ekdsZfVax dSls djsa ds lkFk&lkFk Hkkjr
ljdkj ,oa jkT; ljdkj kjk Lojkstxkj ds fy, nh
tkus okyh lqfoËkk,a ,oa lgk;rk dh tkudkjh bl dk;Zÿe
esa nh xbZA
dk;Zÿe dk lekiu fnukad 23-3-09 dks laLFkku ds
lHkkxkj esa fd;k x;k] ftlesa MkW- xqjcpu flag] funs'kd
(lh,l,lvkjvkbZ)] djuky eq[; vfrfFk ds :i esa iËkkjsA
vius lacks/ku esa mUgksaus crk;k fd Lojkstxkj vkt ds ;qx esa
lcls mŸke jkstxkj gS blls O;fDr viuh kerk ds vuqlkj
ftruk vf/kd dk;Z djrk gS mruk gh vf/kd equkQk dekrk
gS tcfd nwljs ds ;gka ukSdjh djus ij O;fDr pkgs fdruk Hkh
ifjJe dj ys] mldks ,d fuf'pr ixkj gh izkIr gksrh gS]
vr% gesa ukSdjh dh rjQ u Hkkx dj Lojkstxkj dks gh
viukuk pkfg, rFkk vius dk;Zks= ds vuqlkj fdlh ,d
fof'k"V mRikn vFkok lewg dks pqudj mldks vf/kd ls
vf/kd vPNk cukuk pkfg, rkfd gekjh ,d vyx igpku
cu ldsA Jh vkj-ih- oS';] funs'kd] lwe] y?kq ,oa e/;e
m|e fodkl laLFkku] djuky us vius v/;kh; Hkk"k.k esa
dgk fd gesa fdlh Hkh mRikn dk p;u ek= fdlh ds dgus
;k ns[kus ij ugha dj ysuk pkfg, cfYd ml mRikn dk xgu
losZk.k djus ds ckn gh mldk p;u djuk pkfg,A lkFk&lkFk
gesa ,slk dk;Z djuk pkfg, ftlesa izfÿ;k ds nkSjku dksbZ
vo'ks"k fudyrk gS rks mldk Hkh iqu% lnqi;ksx fd;k tk
ldsA cktkj ls vPNs ewY; rFkk ykHk v£tr djus ds fy,
mRikn dh iSdsftax dk fo'ks"k :i ls /;ku nsuk pkfg,A var
esa Jh lquhy dqekj] lgk;d funs'kd (jlk;u) us lHkh
vfrfFk;ksa vkSj izfrHkkfx;ksa dk vkHkkj izdV fd;kA bl dk;Zÿe
esa dqy 25 izfrHkkfx;ksa us Hkkx fy;k] ftlesa ls 6 izfrHkkxh
vuqlwfpr tkfr rFkk 11 efgyk,a 'kkfey FkhaA n
dk;Zÿe
38 y?kq m|ksx lekpkj
bl o"kZ tuojh esa lwe] y?kq ,oa e/;e m|e fodkl
laLFkku] eqt∂Qjiqj (fcgkj) kjk jk"V™h; y?kq m|ksx fuxe]
iVuk ds lg;ksx ls cqfVd vk/kkfjr N% lkIrkfgd m|e
dkS'ky fodkl izf'kk.k dk;Zÿe dk besftus'ku ikoj
dk sfpu lsUVj] xk syk cktkj] jkelqUnj nkl efgyk
egkfo|ky; ds fudV lksuiqj (lkj.k) esa 'kqHkkjEHk fd;k
x;kA dk;Zÿe ds eq[; vfrfFk ds :i esa Jh vjfoan
jtd] mi eq[; okf.kT; izca/kd] iwoZ e/; jsy] gkthiqj
us bl izf'kk.k dk;Zÿe dk mn~?kkVu fd;k rFkk Jh iznhi
dqekj] funs'kd izHkkjh] lwe] y/kq ,oa e/;e m|e fodkl
laLFkku] eqt∂Qjiqj us dk;Zÿe dh v/;krk dhA bl
dk;Zÿe ds mn~?kkVu lekjksg esa Jh ih-ds- Ms] 'kk[kk izcaËkd]
jk-y-m- fuxe] iVuk us fof'k"V vfrfFk dh Hkwfedk fuHkk;h
vkSj Jh vkj-ch-ih- flagk] egkizcaËkd] ftyk m|ksx dsUÊ]
Nijk us izfrfuf/kRo fd;kA ;g izf'kk.k dk;Zÿe eq[;
:i ls vuqlwfpr tkfr;ksa ds efgyk ykHkkfFkZ;ksa ds fy,
vk;ksftr fd;k tk jgk Fkk vkSj bldk mn~ns'; detksj
oxZ ds izfrHkkfx;ksa dks y?kq m|ksx dks viuk dj LokoyEch
cukus dk gSA blesa 25 izfrHkkfx;ksa dks izf'kk.k iznku
djus fd fy, fucaf/kr fd;k x;kA
vius v/;kh; Hkk"k.k esa Jh iznhi dqekj] funs'kd
izHkkjh] lwe] y?kq ,oa e/;e m|e fodkl laLFkku]
eqt∂Qjiqj us dgk fd gkykafd ;g izf'kk.k lkekU; lk
fn[kus okyk ,d izf'kk.k fn[krk gS ij ;g ekewyh&lk
fn[kus okyk izf'kk.k gh ehy dk iRFkj lkfcr gks ldrk
gS vkSj izfrHkkfx;ksa ds thou dks cny ns ldrk gS D;ksafd
;g 'kk'or lR; gS fd ,dek= dkjxj ,oa ldkjkRed
?kVuk cM+s ifjorZu dk dkj.k curh gSA mUgksaus izfrHkkfx;ksa
ds mTToy Hkfo"; dh dkeuk dhA
lwe] y?kq ,oa e/;e m|e fodkl laLFkku] eqt∂Qjiqj kjk cqVhd odZ ij vk;ksftr dk;ZÿeA
lksuiqj esa dkS'ky fodkl
dk;Zÿe
vizSy&twu] 2009 39
dk;Zÿe ds eq[; vfrfFk ds :i esa Jh vjfoan jtd]
mi eq[; okf.kT; izca/kd] iwoZ e/; jsy] gkthiqj us bl
izf'kk.k dk;Zÿe dk mn~?kkVu djrs le; vius mn~cks/ku
esa lwe] y?kq ,oa e/;e m|e fodkl laLFkku] eqt∂Qjiqj
ds iz;kl dh ljkguk dh vkSj dgk fd fuf'pr :i ls ;g
iz;kl jax yk,xk vkSj fcgkj tSlk fiNM+k jkT; ,d fnu
vo'; vkS|ksfxd fodkl dk ijpe ygjk,xkA
Jh ih-ds- Ms] 'kk[kk izca/kd] jk-y- m|ksx fuxe] iVuk
us fof'k"V vfrfFk ds :i esa dgk fd HkfOk"; esa Hkh mudk
foHkkx lwe] y?kq ,oa e/;e m|e fodkl laLFkku]
eqt∂Qjiqj ds lkFk vius dk;Zÿeksa dks izk;ksftr djsxk
vkSj ykHkkfFkZ;ksa dks gj laHko lgk;rk miyC/k djk,xkA
Jh vkj-ch-ih- flagk] egkizca/kd] ftyk m|ksx dsUÊ] Nijk
us bl ckr ij [kq'kh tkfgj dh fd ;g izf'kk.k dk;Zÿe
Nijk ftyk esa vk;ksftr fd;k tk jgk gSA mUgksaus vk'kk
O;Dr dh fd lHkh izfrHkkxh rUe;rk ls izf'kk.k ysaxs vkSj
izf'kk.kksijkUr viuk&viuk m|ksx LFkkfir dj Lokoyacu
dks c<+kok nsaxsA
Jh ih-ds- flag] lgk;d funs'kd (vk-v-)] lwe]
y?kq ,oa e/;e m|e fodkl laLFkku] eqt∂Qjiqj us
dk;Zÿe ds vkjEHk esa lHkh vfrfFk;ksa dk Lokxr fd;k
vkSj rc lekjksg esa lHkh mifLFkr vfrfFk;ksa dks foHkkx ds
dk;Z&dykiksa dh foLr`r tkudkjh nhA mUgksaus dgk fd
;g izf'kk.k [kkl rkSj ij detksj oxZ ds ykHkkfFkZ;ksa ds
fy, vk;ksftr fd;k tk jgk gS tks ljdkjh uhfr;ksa esa
lfUufgr nwjnf'kZrk vkSj izfrcºrk dk izrhd gSA mUgksaus
vk'kk O;Dr dh fd ;g izf'kk.k vo'; vkS|ksxhdj.k dh
xfr dks rhoz djsxkA mn~?kkVu l= dh lekfIr] eap lapkyu
dj jgs Jh ,l-ih- flag kjk izfrHkkfx;ksa ,oa vfrfFk;ksa ds
izfr vkHkkj vkSj mudk /kU;okn Kkiu ds lkFk gqvkA
Jh ih-ds- Ms] 'kk[kk izca/kd] ,u-,l-vkbZ-lh-] iVuk
us Hkh izfrHkkfx;ksa dks lacksf/kr fd;kA vius lacks/ku esa
mUgksaus vius foHkkx kjk nh tk jgh ljdkjh lqfo/kkvksa dh
ppkZ dh vkSj izfrHkkfx;ksa ls vkxs vkdj viuh fofuekZ.k
bdkbZ LFkkfir djus dks dgkA
Jh vkj-ch-ih- flUgk] egkizca/kd] ftyk m|ksx dsÊ]
Nijk us Hkh izfrHkkfx;ksa dks lacksf/kr fd;kA mUgksaus bl
dk;Zÿe dks Nijk esa pyk;s tkus ds fy, funs'kd izHkkjh]
lwe] y?kq ,oa e/;e m|e fodkl laLFkku] xks'kkyk jksM]
iks- jeuk] eqt∂Qjiqj ds izfr vkHkkj O;Dr fd;kA mUgksaus
dgk fd Nijk ftyk esa m|ksx dh vikj laHkkouk gS vkSj
efgykvksa dks] [kkldj detksj oxZ dh efgyk dks] 'kkfey
fd;k tkuk vR;Ur lq[kn ckr gSA
mRizsfjr gksdj izfrHkkfx;ksa us Hkh vius fopkj O;Dr
fd;sA mUgksaus vius mn~cks/ku eas ,sls dk;Zÿe dh lQyrk
dh dkeuk dhA mn~?kkVu l= dk lekiu eap lapkyu
dj jgs Jh lR;sUÊ izlkn flag ds /kU;okn Kkiu ls gqvkA
mn~?kkVu l= ds ckn rduhdh l= dk vk;kstu fd;k
x;k ftlesa Jh iznhi dqekj] funs'kd izHkkjh] lwe] y?kq
,oa e/;e m|e fodkl laLFkku] eqt∂Qjiqj us vius
foHkkx ds ckjs esa rFkk blds kjk vkS|ksfxdhdj.k dh
fn'kk esa fd, tk jgs iz;klksa dh Hkh ppkZ dhA mUgksaus dgk
fd dsUÊ ljdkj dk ;g foHkkx m|e fodkl esa layXu
lHkh jkT; ,oa dsUÊ ljdkj ds foHkkxksa esa dM+h dk dke
djrk gSA mUgksaus cwVhd rFkk bl ij vk/kkfjr m|ksx ds
ckjs esa foLrkj ls crk;k vkSj blds O;kolkf;d egRo ij
Hkh izdk'k MkykA Jh dqekj us izfrHkkfx;ksa dks m|eh cuus
ds fof'k"V o ijeko';d igyqvksa ij izdk'k Mkyk vkSj
mUgsa Lohdk;Z cukus ds fy, mUgksa m|e vuqdwy cukus dh
lykg nhA n
dk;Zÿe
40 y?kq m|ksx lekpkj
Jh fnu'kk ts- iVsy us ubZ fnYyh esa fnukad 2 twu]
2009 dks lwe] y?kq ,oa e/;e m|e ea=ky; ds jkT;ea=h
(Lora= izHkkj) dk inHkkj laHkky fy;kA
i=dkjksa dks lacksf/kr djrs gq, Jh iVsy us dgk fd
lwe] y?kq ,oa e/;e m|e viuh jkstxkj l`tu vkSj
fufeZr mRikn ;ksxnku ,oa fu;kZr dh kerk ds ek/;e ls
gekjh vFkZO;oLFkk esa ,d egŸoiw.kZ Hkwfedk fuHkkrs gSaA
bldks /;ku esa j[krs gq, lwe] y?kq ,oa e/;e m|e
ea=ky; bl ks= dh gj rjg ls lgk;rk djsxk vkSj muls
tqM+s ks= esa gksus okyh leL;kvksa dk lek/kku djsxkA
ea=ky; igqapus ij Jh fnu'kk ts- iVsy dk Lokxr
lfpo] Jh fnus'k jk; vkSj vU; ofj"B vf/kdkfj;ksa us fd;kA
25 Qjojh 1937 dks tUes Jh fnu'kk >kojHkkbZ iVsy
dsUÊ esa isV™ksfy;e vkSj izkœfrd xSl jkT; ea=h jg pqds gSaA
ckn esa os xqtjkr ljdkj esa yksd fuekZ.k foHkkx vkSj lalnh;
dk;ks± ds dSfcusV ea=h jgsA n
fnu'kk ts- iVsy us lwe] y?kq ,oa e/;e m|e ea=ky;
ds jkT;ea=h (Lora= izHkkj) dk inHkkj laHkkyk
lekpkj
ubZ fnYyh fLFkr m|ksx Hkou esa fnukad 2 twu] 2009 dks Jh fnu'kk ts- iVsy dsUÊ ljdkj esa lwe] y?kq ,oa e/;e m|e ea=h dk inHkkj
laHkkyus ds nkSjku i=dkjksa vkSj ofj"B vf/kdkfj;ksa dks lEcksf/kr djrs gq,A
;qok ih<+h% Hkkoh m|eh Hkkjr ljdkj ds lwe] y?kq ,oa e/;e m|e ea=ky; ds varxZr ,e,l,ebZ&MhvkbZ kjk
lapkfyr dk;Zÿeksa esa Hkkx ysrh Nk=k,a A
Published by The Development Commissioner, Micro, Small & Medium Enterprises, Nirman Bhavan, New Delhi-110108Printed at Tara Art Printers Pvt. Ltd. B-4, Hans Bhavan, B.S. Zafar Marg, New Delhi-110002
PDCSI-4-6-2009 (Bilingual)
1750Regd. Number D(D) 579iath- la- Mh ¼Mh½ 580 iath- la- vkj- ,u- 28812@76
Regd. Number RN 28812/76 Regd. Number D(D) 579iath- la- Mh ¼Mh½ 580 iath- la- vkj- ,u- 28812@76
Regd. Number RN 28812/76
lwe] y?kq ,oa e/;e m|eMICRO, SMALL & MEDIUM ENTERPRISES
lwe] y?kq ,oa e/;e m|eMICRO, SMALL & MEDIUM ENTERPRISES
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