झारखंड राज्य खादी एवं ग्रामोद्योग बोर्ड
A Government of Jharkhand Undertaking
The Khadi and Gram Vikas Yojana (KGVY) is a flagship initiative of the Ministry of Micro, Small & Medium Enterprises (MSME), Government of India, implemented through the Khadi and Village Industries Commission (KVIC). The scheme aims to promote rural industrialization, generate sustainable employment, and strengthen Khadi and Village Industries (KVIs) across the country.
Objectives
Key Components:
Khadi Vikas Yojana (KVY)
Gramodyog Vikas Yojana (GVY)
Nature of assistance
Who can apply?
Who can apply?
The Khadi and Gram Vikas Yojana (KGVY) is a flagship initiative of the Ministry of Micro, Small & Medium Enterprises (MSME), Government of India, implemented through the Khadi and Village Industries Commission (KVIC). The scheme aims to promote rural industrialization, generate sustainable employment, and strengthen Khadi and Village Industries (KVIs) across the country.
Objectives
Key Components:
Khadi Vikas Yojana (KVY)
Gramodyog Vikas Yojana (GVY)
Nature of assistance
Who can apply?
Link to apply
The Ministry of MSME,G.O.I has clubbed the PMRY Scheme with REGP scheme and has introduced the new scheme Prime Ministers Employment Generation Programme (PMEGP) for the year 2008-09.
Scheme Details :
Rural Area
As per the scheme the RURAL AREA means. Any area classified Village as per the revenue records or any area population of which does not exceed 20,000 persons.
High lights of the Scheme:
Implementing Banks:
Training:
EDP Training is mandatory for all those beneficiaries who have been sanctioned assistance under PMEGP the entrepreneurs who have been sanctioned Rs.2.00 lakhs are below to undergo 3 days training and above Rs.2.00 lakhs have to undergo 2 weeks training at KVIC recoginsed Training institutions.
Documents to be submitted along with application:
Some of the Activities which can be taken under this scheme
I. Mineral Based Industry:
II. Forest Based Industry :
III. Agro Based and Food Industry
IV. Polymer and Chemical Based Industry
V. Rural Engineering & Bio Technology ( REBT )
VI. Service Industry
Amda Khadi Park & Rajnagar Park
The Scheme of Fund for Regeneration of Traditional Industries, is a program by India’s Ministry of Micro, Small and Medium Enterprises (MSME) launched in 2005 to make traditional industries more competitive and sustainable. It helps traditional industries and artisans by organizing them into clusters and providing support for infrastructure, technology upgradation, new products, design, and marketing to increase their income and employment.
Key objectives
Rural Employment Generation Programme
Providing more and more new avenues of employment for rural unemployed people in the countryside has all along been the prime concern of Government of India.
Keeping in mind the expectations of various sections of rural areas, the Ministry of A & R I, Govt. of India has launched REGP through KVIC, KVIB in a big way.
I. Eligible Projects:
The Scheme is applicable to all new village Industry projects set up in “ rural area”. Any extension or renovation of existing unit will not be eligible for this facility.
II. Eligible Activities:
All activities, which do not appear in the Negative List circulated by KVIC, are eligible for financing under the scheme.
“Village Industry” means any industry located in rural Area which produces any goods or renders any service with or without the use of power and in which fixed investment per head of any artisan or a worker does not exceed Rs.50, 000/-.
III. Eligible Borrowers:
The eligible agencies under the scheme are (i) Individual artisans/entrepreneurs. (ii) Institutions, Co-operative Societies and Trust, and (iii) SHGs.
(Partnership firms, Private Limited Companies, Joint Ventures, Jt. Borrowers, Co-obligators or HUF are not eligible under the scheme).
IV. Ceiling Limit of the Project:
For individuals/institutions, the ceiling limit is Rs.25.00 lakhs.
V. Rural Area:
“Rural Area” means-
i. Any area classified as Village as per the revenue records of the State/U.T. irrespective of population.
ii. It also includes an area even if classified as town, provided its population does not exceed 20,000 (as per 1991 census).
VI. Banks:
i. All Public Sector Banks.
ii. All Regional Rural Banks.
iii. Co-op. Banks approved by the State/U.T. KVIBs.
iv. Private Commercial Banks approved by the State KVIBs.
v. Other Financing Institutions of State & Central Govt. as approved by KVIC.
VII. Sponsorship:
Sponsoring of projects by any agency is not mandatory. However, KVIC’s State/Regional offices and State KVI Boards/DICs may sponsor the project, if approached.
VIII. EDP Training:
Once the project is sanctioned by the financing branch of the Bank, before releasing the second installment of loan, the beneficiary is to be imparted 3-day EDP training arranged by the State/Regional Director.
IX. Margin Money:
Upto Rs. 10.00 lakhs, 25% of the project cost will be provided by KVIC as Margin Money. For projects above Rs.10.00 lakhs and upto Rs.25.00 lakhs rate of margin money will be 25% of the project cost upto Rs.10.00 lakhs plus 10% of the remaining cost of the project.
In case of weaker section beneficiary viz. SC/ST/OBC/women/Physically Handicapped/Ex-servicemen and Minority Community beneficiary/Institution and for Hill, Border and Tribal Areas, North Eastern Region, Sikkim, Andaman & Nicobar Islands, Lakshawdweep, Margin Money grant will be at the rate of 30% of the project cost upto Rs.10.00 lakhs and above this amount upto 25.00 lakhs, it will be 10% of the remaining cost of the project.
X. Borrower’s Contribution:
Under the Scheme, the borrower is required to invest his “ Own Contribution” of 10% of the project cost. In case of SC/ST/OBC/Women/Physically handicapped/Ex-servicemen and Minority Community and other weaker section borrowers, the contribution will be 5% of the project cost.
The maximum permissible limit for own contribution is 50% of the total project cost.
XI. Quantum of Loan:
Banks will sanction 90% of the project cost in case of general category borrower and 95 % of the project cost in case of Weaker Section beneficiary/institution and disburse full amount of the loan.
XII. Payment of Margin Money:
After the sanction of the credit facility by the Bank branch, eligible amount of Margin Money will be kept in Term Deposit of 2 years in the name of the borrower at the lending bank branch, which will be credited to the borrower’s loan account after a period of two years from the date of first disbursement of loan.
Negative List:
Activities under negative List (Not eligible for Margin Money under REGP) are:-
Other than negative list any Project can be established which fulfils the prerequisites as mentioned above.
The Ministry of MSME,G.O.I has clubbed the PMRY Scheme with REGP scheme and has introduced the new scheme Prime Ministers Employment Generation Programme (PMEGP) for the year 2008-09.
Scheme Details :
Rural Area
As per the scheme the RURAL AREA means. Any area classified Village as per the revenue records or any area population of which does not exceed 20,000 persons.
High lights of the Scheme:
Implementing Banks:
Training:
EDP Training is mandatory for all those beneficiaries who have been sanctioned assistance under PMEGP the entrepreneurs who have been sanctioned Rs.2.00 lakhs are below to undergo 3 days training and above Rs.2.00 lakhs have to undergo 2 weeks training at KVIC recoginsed Training institutions.
Documents to be submitted along with application:
Some of the Activities which can be taken under this scheme
I. Mineral Based Industry:
II. Forest Based Industry :
III. Agro Based and Food Industry
IV. Polymer and Chemical Based Industry
V. Rural Engineering & Bio Technology ( REBT )
VI. Service Industry
Amda Khadi Park & Rajnagar Park
