Prime Minister Employment Generation Programme (PMEGP)

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.

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 PMEGP.
(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, and
(viii) Charitable Trusts.
(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.
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 Workshop can be included in the project cost subject to restricting such cost of ready
built as well as long lease or rental 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.

Levels of funding under PMEGP

Categories of beneficiaries Beneficiary’s Rate of
Subsidy
under PMEGP contribution (of project cost) (of project
cost)
Area (location of project/unit) ------ Urban
Rural
General Category ------ 10% 15%
25%
Special (including SC / ST / ------- 05% 25%
35%
OBC /Minorities/Women, Exservicemen,
Physically handicapped, NER, Hill and Border areas etc.
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

BANK FINANCE
---The Bank will sanction 90% of the project cost in case of General category beneficiary and 95% in case
special category of beneficiary / institutions.

---The Bank will disburse full amount suitably for setting up of the project.

---Credit Guarantee Scheme of Ministry of MSME is also available for PMEGP units to facilitate
entrepreneurs for collateral security free loans.

Implementing Agencies

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

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).

Documents to be enclosed with PMEGP Application form(in duplicate)

1. Application Format
2. Project Report / Working Economics for Smaller projects
3. Machinery / Equipment’s Quotation
4. Building Estimate with Blue print (if building is to be constructed)
5. Copy of land document / Lease Deed / Rental Agreement
6. Copy of Community Certificate in case of male candidates
7. Copy of Educational Qualification in case of more than Rs. 10.00 lakhs in manufacturing Sector / More
than Rs. 5.00 lakhs in Service Sector (a Minimum 8th Std Pass)
8. Copy of address proof and ID Proof (Copy of Ration Card or Voters Identity Card or any other photo ID
issued by State / Central Government.
9. Copy of EDP Training Certificate, if already undergone for two weeks List of industries under PMEGP

http://www.kviconline.gov.in/pmegp/pmegpweb/docs/jsp/indicativeIndustry.jsp
 Stand Up India Scheme for financing SC/ST and/or Women
Entrepreneurs

Objective

The objective of the Stand Up India scheme is to facilitate bank loans between 10 lakh and 1
Crore to at least one Scheduled Caste (SC) or Scheduled Tribe (ST) borrower and at least one
woman borrower per bank branch for setting up a greenfield enterprise.
This enterprise may be in manufacturing, services or the trading sector. In case of nonindividual
enterprises at least 51% of the shareholding and controlling stake should be held by either an
SC/ST or Woman entrepreneur

Eligibility

1. SC/ST and/or woman entrepreneurs, above 18 years of age.

2. Loans under the scheme is available for only green field project. Green field signifies, in this
context, the first time venture of the beneficiary in the manufacturing or services or trading
sector.
3. In case of nonindividual enterprises, 51% of the shareholding and controlling stake should be
held by either SC/ST and/or Women Entrepreneur.
4. Borrower should not be in default to any bank/financial institution.

Nature of Loan

Composite loan (inclusive of term loan and working capital) between RS.10 lakh and upto
RS.100 lakh.

Purpose of Loan

For setting up a new enterprise in manufacturing, trading or services sector by SC/ST/Women

entrepreneur.

Size of Loan

Composite loan of 75% of the project cost inclusive of term loan and working capital. The
stipulation of the loan being expected to cover 75% of the project cost
would not apply if the borrower’s contribution along with convergence support from any other
schemes exceeds 25% of the project cost.
Interest Rate

The rate of interest would be lowest applicable rate of the bank for that category (rating
category) not to exceed (base rate (MCLR) + 3%+ tenor premium).

Security

Besides primary security, the loan may be secured by collateral security or guarantee of Credit
Guarantee Fund Scheme for StandUp India Loans (CGFSIL) as decided by the banks.

Repayment

The loan is repayable in 7 years with a maximum moratorium period of 18 months.

Working Capital

For drawal of Working capital upto 10 lakh, the same may be sanctioned by way of overdraft.
Rupay debit card to be issued for convenience of the borrower. Working capital limit above
10 lakh to be sanctioned by way of Cash Credit limit.

Margin Money

The Scheme envisages 25% margin money which can be provided in convergence with eligible
Central / State schemes. While such schemes can be drawn upon for availing admissible
subsidies or for meeting margin money requirements, in all cases, the borrower shall be
required to bring in minimum of 10% of the project cost as own contribution.
STANDUP INDIA SCHEME WOULD BE OPERATED BY ALL THE BRANCHES OF SCHEDULED
COMMERCIAL BANKS IN INDIA.

http://www.ncgtc.in/en/products-n-services/cgssi
 Credit Linked Capital Subsidy Scheme for Technology Upgradation

Description

Technology up-gradation would ordinarily mean induction of stateof-the-art or near state-of-

the-art technology. In varying mosaic of technology obtaining in more than 7,500 products in
Indian small scale sector, technology up-gradation would mean a significant step up from
present technology level to a substantially higher one involving improved productivity, and/or
improvement in quality of products and/or improved environmental conditions including work
environment for the unit. It include installation of improved packaging techniques as well as
anti-pollution measures and energy conservation machinery. Further, units in need of
introducing facilities for in-house testing and on-line quality control would qualify for
assistance, as the same is a case of technology upgradation.
Replacement of existing equipment/technology with same equipment/technology will not
qualify for subsidy under this scheme, nor would scheme be applicable to units upgrading with
second hand machinery.

Nature of assistance

The revised scheme aims at facilitating technology up-gradation by providing 15% up-front
capital subsidy to SSI units, including tiny, khadi, village and coir industrial units, on institutional
finance availed of by them for induction of well established and improved technologies in
specified sub sectors/ products approved under the scheme.

Revised CLCSS has been amended as follows:

(a) Ceiling on loans under scheme has been raised from Rs.40 lakh to Rs.1 crore
(b) Rate of subsidy has been enhanced from 12% to 15%
(c) Admissible capital subsidy is calculated with reference to purchase price of plant and
machinery, instead of term loan disbursed to beneficiary unit
(d) Practice of categorization of SSI units in different slabs on the basis of their present
investment for determining eligible subsidy has been done away with

Who can apply –

Eligible beneficiaries include sole proprietorships, partnerships, cooperative societies, and

private and public limited companies in the SSI sector. Priority shall be given to women
entrepreneurs
How can apply –

Candidates meeting eligibility criteria may all scheduled commercial banks, scheduled
cooperative banks [including urban cooperative banks co-opted by SIDBI under Technological
Upgradation Fund Scheme (TUFS) of Ministry of Textiles], Regional Rural Banks (RRBs), State
Financial Corporations (SFCs) and North Eastern Development Financial Institution (NEDFi) are
eligible as PLI under this scheme after they execute a General Agreement (GA) with any of
nodal agencies, i.e., Small Industries Development Bank of India (SIDBI) and National Bank for
Agriculture and Rural Development (NABARD).

http://www.dcmsme.gov.in/schemes/credit_link_scheme.htm
 Credit Guarantee Fund Trust for Micro and Small Enterprises
(CGTMSE)

Objective

Availability of bank credit without the hassles of collateral / third party guarantee would be a
major source of support to the first generation entrepreneurs to realise their dream of setting
up a unit of their own Micro and Small Enterprise (MSE). The main objective is that the lender
should give importance to project viability and secure the credit facility purely on the primary
security of the assets financed. The other objective is that the lender availing guarantee facility
should endeavor to give composite credit to the borrowers so that the borrowers obtain both
term loan and working capital facilities from a single agency. The Credit Guarantee Scheme
(CGS) seeks to reassure the lender that, in the event of a MSE unit, which availed collateral free
credit facilities, fails to discharge its liabilities to the lender, the Guarantee Trust would make
good the loss incurred by the lender up to 50/ 75/ 80/ 85 per cent (as per the current structure)
of the credit facility.

Salient Features

-Micro & Small Enterprises as per MSMED Act eligible.

- Credit guarantee for MSE loans up to 1 crore, without collateral and third party guarantee.
- Both Manufacturing and Service sectors covered.
- Credit for retail trade, educational / training institutions and SHGs are not eligible for
coverage.
- All fund / non-fund based facility covered.
- Maximum Guarantee Cover of up to 85% of credit facility covered under CGS.
- Guarantee coverage is 50% for credit facility above 50 lakh.
- 133 Banks / RRBs / other lending institutions registered as MLIs with CGTMSE (26 PSU Banks,
21 Pvt. Banks, 73 RRBs, 9 Financial Institutions and 4 Foreign Banks).

Annual Guarantee Fee (AGF) -

- Annual Guarantee fee shall be paid to the Trust by the institution availing of the guarantee
within 30 days from the date of first disbursement of credit facility or 30 days from the date of
Demand Advice (CGDAN) of guarantee fee whichever is later (not applicable for Working
capital) or such date as specified by the Trust.
- Up to 5 lakh AFG is 0.75% and Above 5 lakh up to 100 lakh is 0.85% for Women, Micro
Enterprises and units in North East Region (incl. Sikkim)
- For others AFG is 1% of amount in default.
Extent of the Guarantee Coverage

The Trust shall provide Guarantee as under :(As per the current structure)
- Above 50 lakh up to100 lakh is 50% of amount in default

Eligible lending institutions under the Scheme –

All Scheduled Commercial Banks (either PSU, Private or Foreign Banks), selected Regional Rural
Banks, selected state financial corporations or such of those institutions as may be directed by
GOI can avail of guarantee cover in respect of their eligible credit facilities under the Scheme.
Small Industries Development Bank of India (SIDBI), National Small Industries Corporation Ltd.
(NSIC) and North Eastern Development Finance Corporation Ltd. (NEDFi) have been included as
eligible institutions.

Can a credit facility of over 100 lakh be covered under the Scheme?

Yes, provided that the entire credit facility is extended without any collateral security and it is
otherwise eligible for a guarantee cover under the Scheme. The guarantee cover available will
be restricted to credit of 100 lakh even though credit extended is more than 100 lakh to an
eligible borrower. In other words, maximum of credit risk borne by CGTMSE is restricted to 50
lakh i.e. 50% of amount in default.

https://www.cgtmse.in/
https://www.cgtmse.in/List_Of_MLIs.aspx
 Package Scheme of Incentives 2013

It is therefore necessary to amend the Package Scheme of Incentives-2007, in the light of the
Industrial Policy-2013 and introduce a new “Package Scheme of Incentives 2013”, containing
details of eligibility criteria, quantum of incentives and monitoring mechanism for administering
the incentives during the period up to the 31st March, 2018.

Resolution

In supersession of the Package Scheme of Incentive – 2007, which shall expire on the 31st
March, 2013, the Government is pleased to accord approval to the new “Package Scheme of
Incentives -2013” (PSI-2013) which will come into effect on the 1st April 2013 for a period of
five years.

Period of Operation of PSI-2013 :-

The PSI -2013, as may be amended by the Government from time to time, shall remain in
operation from the 1st April 2013 up to 31st March,2018 .

Coverage under the PSI - 2013 :-

The following categories of Eligible Industrial Units in the Private Sector, Cooperative Sector,
Central Public Sector, State Public Sector/ Joint Sector shall be eligible to be considered for
incentives under the PSI- 2013 :-
i) Industries listed in the First Schedule of the Industries (Development and Regulation)
Act, 1951, as amended from time to time
ii) Manufacturing Enterprises as defined in the Micro, Small and Medium Enterprises
Development Act, 2006. (MSMED Act, 2006)
iii) Information Technology Manufacturing Units registered with the Directorate of
Industries or the Maharashtra Industrial Development Corporation (MIDC) or the
Development Commissioner, Santacruz Electronic Export Processing Zone (SEEPZ) or
Software Technology Parks of India (STPI) in the State.
iv) Bio-technology Manufacturing Units as specified by the Government from time to time,
which are outside the purview of any registering authority mentioned above.
v) Cold Storages
vi) Mechanized Food/ Agro Processing Industries in the following sectors:
· Dairy, Fruit and Vegetable Processing. · Grain Processing. · Fish Processing. · Consumer
foods including Packed foods. · Non alcoholic beverages from fruits and vegetables.
New Unit :-

A New Unit shall mean a Unit which is set up for the first time by an entity in the Private Sector
/ Co-operative Sector / State or Central Public Sector / Joint Sector in any Taluka where there is
no Existing Unit set up by the said entity, provided that such Unit satisfies the following
conditions: a) It is not an Existing Unit. b) At least one of the Effective Steps is completed on
or after the 1st April, 2013. for setting of the Unit. c) It is not formed as a result of re-
establishment, mere change of ownership, change in the constitution, reconstruction or revival
of an Existing Unit. Explanation- The incentives available to a New Unit under the PSI-2013
shall, however, be available to the Units which get established as result of purchase of the
assets of the Existing / Defunct / Closed / Sick Units, subject to and to the extent mentioned in
Annexure III to this Resolution

Eligibility Certificate-

Eligibility Certificate shall mean the certificate issued by the Implementing Agency to the
Eligible Unit under the Package Scheme of Incentives which indicates the accepted Fixed Capital
Investment, Actual Fixed Capital Investment made, Finished Products and other details along
with Quantum of Incentives, Period of validity for availing of incentives and the terms and
conditions to be complied with by the concerned Unit in whose favor such certificate is issued.

Effective Steps

“Effective Steps” shall mean and include -

(i) Effective possession of land / shed / gala by an Eligible Unit. If the rental period/ lease
period is less than the sum of Eligibility Period and Operative Period, then
there should be a provision of automatic extension of the agreement for further minimum
period which should be equivalent to the sum of Eligibility Period and Operative Period of the
eligible unit. Explanation: Effective possession of land, in case of rental / lease of land /
premises, means physical possession of land with registered deed with clear title documents
and / or registered lease deed. However for land in MIDC area , effective possession of land
means physical possession with registered Agreement to lease.
(ii) Registration, in case of Firm / Company / Trust / Society / Co-operative Society. However, in
case of Partnership Firm, the evidence of execution of a Partnership Deed and filing of a
requisite application with payment of necessary registration fees with the Registrar of Firms
and acknowledgement by the office shall be necessary.
(iii) Enterprises Memorandum / Letter of Intent / Registration for IT/BT Units from the
Directorate of Industries or MIDC / Letter of Intent from the Government of India and / or
permission from the State Government for setting up / shifting of the Unit, if such permission is
required to be obtained. (iv) A copy
of the Industrial Entrepreneur’s Memorandum (IEM) along with a copy of its acknowledgement
in the case of an LSI Unit/Mega Unit/Ultra Mega Unit, not covered under the licensing
provisions of the Industries (Development & Regulation) Act, 1951 or letter of intent, which is
covered under license provision of the said Act. Explanation- Based on the documentary
evidence produced by the Eligible Unit, the Implementing Agency shall determine the date on
which the Effective Steps are completed, subject to such directions as the Government may
issue from time to time

http://di.maharashtra.gov.in/_layouts/15/DOIStaticSite/English/investors_guide_psi.html
 Marketing Assistance Scheme (MAS) no of Que.14

Q. No1. What are the activities being implemented by NSIC under the Marketing Assistance
Scheme.

Ans. a. Organizing International Technology Exhibitions in Foreign Countries

b. Participation in International Exhibitions/Trade Fairs
c. Organizing Domestic Exhibitions
d. Participation in Exhibitions/ Trade Fairs in India
e. Support for Co-sponsoring of Exhibitions organized by other organisations/ industry
associations/agencies
f. Buyer-Seller Meets:
g. Intensive Campaigns and Marketing Promotion Events
h. Other Support Activities (Listed in MAS)

Q.No. 2. Who is eligible for availing benefits under the Marketing Assistance Scheme?

Ans.. Micro, Small & Medium Enterprises having Udyog Aadhar Memorandum (UAM) and entry
on MSME databank are eligible for availing benefits under the Marketing Assistance Scheme

Q. No. 3. What are the eligible services for availing subsidies under Marketing Assistance Scheme

Ans. For participation in foreign exhibitions, subsidy is provided towards Space Rent (Built up
stall), Air Fare and Freight Charges. For participation in Domestic Exhibitions, Build up space is
provided to MSMEs at subsidised rates.

Q. No. 4 How many times an MSME unit is eligible for participation in Domestic and
Foreign exhibition.

Ans. An MSME unit is eligible for participation for either One Domestic or One Foreign exhibition
in a financial year. In other words if the unit has availed assistance from NSIC for participation in
domestic exhibition, it cannot participate in foreign exhibition or any other domestic exhibition
through NSIC during that financial year or vice-versa. Besides, unit cannot participate in the same
foreign exhibition
next year. Units belonging to SC/ST entrepreneurs will be governed by special Marketing
Assistance Scheme.

Q. No. 5 What is maximum budgetary limit for participation in a domestic exhibition.

Ans. The budgetary limit for participation in a domestic exhibition is Rs.15 lakhs (based on
screening committee approval). The support is provided on ‘First come First serve’ basis.
Q. No.6. When an MSME unit should apply to NSIC for participation in domestic exhibition

Ans. The unit must apply to nearest NSIC branch office 15 days prior to the commencement of
the exhibition.

Q. No. 7 What is maximum budgetary limit for participation in foreign exhibition.

Ans. The budgetary limit for participation in a foreign exhibition is Rs.30 lakhs and forLatin
American Countries, it is Rs. 40 lakhs.

Q. No.8 How many minimum no. of MSMEs are required for participating in a foreign exhibition.

Ans. At least 5 eligible MSMEs should be there for participation in a foreign exhibition.

Q. No. 9. Whether change in representation of the MSME unit in participation in foreign

exhibition is permissible.

Ans. Once representation of the MSME unit is approved by Head Office NSIC, change in
representation shall not be permissible unless written approval obtained/conveyed by NSIC. Any
change in the approved representation by the MSME without obtaining prior approval/consent
of NSIC will render MSME ineligible for their claims of reimbursement towards air fare/freight
charges

Q. No. 10. Whether representation for the participating MSME in foreign exhibitions can be of
different category.

Ans. In case the MSME unit belongs to special category (i.e. woman, SC/ST, NER), the unit will be
represented either by the owner or by the representative of the same category on its behalf. If
the unit is not able to send representative from the same category, its application will not be
accepted.

Q. No.11. Who arranges VISA, Air Tickets and Hotel accommodation for participating MSMEs in
foreign exhibition.

Ans. NSIC provides necessary assistance to the representative of the participating MSMEs by way
of issuance of recommendation letter to the concerned embassy for obtaining VISA. However,
NSIC shall not be liable in case the concerned embassy of the host/transit country denies VISA to
a representative of the participating MSME for any reason. The participating MSME units has to
arrange VISA, book air tickets and hotel accommodation on their own.
Q. No. 12. What are the pre requisites for claiming reimbursement of airfare/freight subsidy after
participating in foreign exhibition.

Ans. The participants will have to submit their complete claims with the concerned Branch Office
within 30 days of the completion of the event, failing which no claim request will be considered.
Any deficiencies in the claim as intimated by NSIC must be completed within 15 days of the date
of intimation given in this regard failing which the claim shall stand rejected without any further
intimation or reminder. Any claim submitted beyond 45 days shall not be entertained under any
circumstances. Further, individual claims will not be entertained and the claims will be processed
collectively when complete documents from all other units have reached NSIC (within stipulated
45 days).

Q. No. 13. What is the basis of reimbursement of the air fare to MSMEs participated in a foreign
exhibition.

Ans. The reimbursement of the air-fare will be made on the basis of the minimum fare of
economy class claimed by any one of the participants in the exhibition leaving India from the
same station. The basis of calculation of minimum fare of economy class will be shortest route
from any airport in India from where direct flight is available to the airport nearest to the venue
of the exhibition. No reimbursement will be made for the air/ train/ road journey within India on
domestic route. The claim for airfare subsidy will be admissible only for the authorized
representative of MSME unit who has participated in the event (In whose name the undertaking
has been submitted at the time of application). Claims from any third party (Associations etc.) on
behalf of the participant(s) will not be entertained.

Q. No. 14. What is the mode of payment to the MSMEs towards reimbursement of airfare /
freight subsidy participated in a foreign exhibition.

Ans. Payment to the MSMEs towards reimbursement of airfare/freight subsidy under MAS will
be made through NEFT/RTGS. MSMEs are required to submit a cancelled cheque
(Proprietor/Partnership/Company as the case may be) at the time of submitting the application
for participation in an exhibition.

Q. No. 15 How do you define MSEs owned by SC I ST enterprises.

Ans. Definition of MSEs owned by SCI ST, as per clarification dated 25.6.2013 by Ministry of MSME
under the provision of para 16 of Public Procurement Policy for Micro and Small Enterprises
(MSEs) Order, 2012, is as given under:
(a) In case of proprietary MSE, proprietor(s) shall be SC /ST.
(b) In case of partnership MSE, the SCI ST partners shall be holding at least 51% shares in the unit.
(c) In case of Private Limited Companies, at least 51% share shall be held by SC I ST promoters.

http://www.nsic.co.in/mkt.asp
http://www.nsic.co.in/mkt2014scheme.pdf
 Important links
1) List of industries under msme (small scale sector)

http://www.dcmsme.gov.in/ssiindia/spgxx01x.htm

2) SIDBI

http://smallb.sidbi.in/%20/sectors%20/food-processing

http://smallb.sidbi.in/%20/fund-your-startup-business%20/collateral-free-loans-under-cgtmse-scheme

http://smallb.sidbi.in/%20/fund-your-business%20/what-banks-need-know-about-you

3) checklist for starting new business

http://smallb.sidbi.in/checklist-starting-new-
business?field_company_type_tid=429&field_industry_type_tid=422

4) Make in India 25 industrial sector

http://www.makeinindia.com/sector/food-processing