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Considering
the objectives of the MSKVIB along with the machinery headed by
the State Government, the Board’s district offices undertake various
schemes as framed by Commissionerate of KVIs/State Government under
their guidance. The details
of the various schemes implemented by the Board are enumerated as follows: |
1) RURAL EMPLOYMENT GENERATION
PROGRAMME (REGP) - (commonly known as Margin Money Scheme)
 
The Government of India has started the REGP through Khadi & Village
Industries Commission w.e.f. 1/4/1995 to provide new dimension of the
employment to the people in Rural areas of the country.
REGP is applicable for all viable Village Industries projects except
those Village Industries given in the negative list of the Commission.
Under this Programme/ Scheme, the beneficiary is eligible to establish
the project upto Rs.25.00 lakhs and the eligible beneficiaries are 1)
Individuals 2) Institutions 3) Co-operative Societies, trust and Self
Help Groups.
The KIVC has made applicable the margin money scheme for the benefit
of the rural entrepreneurs to whom the finance is made available by
nationalized and recognised cooperative & commerical banks in the
state.
KVIC
is making available funds to the MSKVIB through budgetary provision
for reimbursing the Margin Money component to the rural entrepreneurs
through the concerned Financing Banks
The percentage of margin money, won contribution of the benficiary and
quantum of the loan under this programme/scheme are as under:-
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Sr.No.
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Project Cost
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Category of the
beneficiary
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Margin Money
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1
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Upto Rs.10 lakh
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General
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25 per cent of the project cost
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SC/ST/OBC/PHC/Women/Ex-servicemen/Minority/
HBA/NE
Region, A& N Island
and Lakshadweep
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30 per cent of the project cost
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2
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Above Rs.10 lakh to Rs.25 lakh
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General
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Rs.2.5
lakhs + 10 percent
of the remaining project cost subject to maximum of Rs.4.00
lakhs.
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|
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SC/ST/OBC/PHC/Women/Ex-servicemen/Minority/
HBA/NE
Region, A& N Island
and lakshadweep
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Rs.3
lakhs + 10 percent
of the remaining project cost subject to maximum of Rs.4.50
lakhs
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CRITERIA
OF THE REGP SCHEME ARE AS UNDER:-
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1
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Project Eligibility
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New
Units being established in Rural area under the Scheme are eligible.
Existing units are not eligible.
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2
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Eligible Activities
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REGP Scheme is applicable for all viable
Village Industries Projects except Village Industries given
in the negative list of KVIC, which produces any goods or renders
any services with or without the use of power and in which the
fixed Capital Investment per head of a full time artisan/worker
does not exceed Rs.50,000/-.
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3
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Per Capita
Investment
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Should not exceed Rs.50,000/- per artisan
or worker i.e. Capital Expenditure
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4
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Age limit
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Any
adult beneficiary above 18 years & below 45
years is eligible for financing under the REGP. In case of a
traditional artisan the maximum age limit is 50 years
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5
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Eligible for loan
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Individual
Entrepreneurs, Institutions, Cooperative Societies, Trusts and
Self Help. Groups(
Partnership firms, Private Limited Companies, Joint Borrowers,
Joint Ventures, Co-obligators, HUF do not come under the ambit
of Gramodyog Rojagar Yojana )
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6
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Maximum project cost
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Upto Rs.25.00 lakhs
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7
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Definition of Rural area
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(i)
Any area classified as Village
as per the revenue records of the State/UT, irrespective of
population.
(ii)
It also includes
an area even if classified as town, provided its population
does not exceed 20,000 as per the census of 1991.
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8
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Bank
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1.
Public Sector
Banks
2.
All Regional
Rural Banks
3.
Co-operative Banks approved by the State/
UT/
KVI Board.
4.
Private Sector Scheduled Commercial
Banks approved
by the State/UT/ KVI Boards.
5. Any Financial Institution of the State and
Central
Govt. approved by the KVIC.
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9
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Sponsorship
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The
District Village Industries Officers of the Board
identify the beneficiaries and recommend the financial proposals under the Margin Money
Scheme to the Banks for its sanction.
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10
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Entrepreneur Development Programme (EDP)
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Once
the project is sanctioned and 1st instalment
of the Bank finance is released to the beneficiary and before
release of 2nd instalment. State/Divisional Offices
of KVIC provides EDP Training free of cost.
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11
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Own contribution of the beneficiary
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10
percent of the project cost in respect of beneficiary of General
Catergory, 5 percent of the project cost in respect of a beneficiary
from weaker section beneficiaries / Institutions / i.e. SC /
ST / OBC Women. PHC / Ex- Servicemen / Minority / HBT areas
/ N.E. Region, A & N Islands / Lakshadweep
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12
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Bank Finance
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The Bank will sanction 90 per cent of
the project cost in case of General category
beneficiaries/institutions and 95 per cent of the project cost
in case of weaker section beneficiaries/institutions.
Cost
of the land should not be included in the project cost.
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13
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Payment
of the Margin Money
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Once the Margin Money is released
in favour of the loanee, it should be kept in Term Deposit Receipt
of 2 years at financing branch in the name of the beneficiary
from the date of first disbursement of loan amount and after
2 years, the same will be credited to beneficiaries loan account.
No interest will be paid on the TDR
and no interest will be charged on the corresponding margin
money loan component of the TDR.
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14
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Negative
list
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A)
Any industry/business
connected with meat(slaughter) i,e, processing, canning and
/or serving items made of it as food, production/manufacturing
or sale of intoxicants items like bidi/ pan/ cigar/ cigarette
etc., any hotel or dhaba or sales outlets serving liquor preparation/producing
tobacco as raw materials, tapping of toddy for sale.
B)
Any industry/business
connection with cultivation of crops/plantation like tea/coffee/rubber
etc., sericulture (cocoon rearing), horticulture/ floriculture,
animal husbandry like pisciculture, piggery, poultry etc.
C)
Khadi &
polyvastra projects producing yarn and cloth under Khadi Certification
Rules and any other project of spinning and weaving.
D)
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.
E)
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.
F)
Rural transport
(except auto rickshaw in Andaman & Nicobar Island, House
Boat, Shikara & Tourist Boats in J&K and cycle rickshaw.)
G)
Sales outlets
in urban areas.
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2)
ARTISANS
EMPLOYMENT GUARANTEE SCHEME:
The Board has undertaken an ambitious programme to provide financial
and other types of assistance to the rural artisans in the State by
introducing an “ARTISANS EMPLOYMENT GUARANTEE SCHEME” from 1972-73.
The
scheme is being implemented with the co-operation of Reserve Bank of
India, Maharashtra State Co-operative Bank, Government of Maharashtra.
At
present there are 305 Block Level Village Artisans Cooperative Societies
of Traditional Artisans (Balutedars), which have
registered membership of 4.49 lakhs artisans in the State. The District Central Co-operative Banks provide
financial assistance in the form of Cash Credit/Composite Loan under
NABARD refinance scheme. The maximum Loan limit per artisan is Rs.2
lakh.
‘C’
class municipal areas in the State are included in the jurisdiction
of the Scheme. The traditional
industries of the rural areas, such as Pottery, Carpentry-blacksmithy,
Leather, Fibre, Cane & Bamboo, Processing of Cereals & Pulses,
Wool, Village Oil etc. are included in this Scheme.
3) SPECIAL
COMPONENT PLAN
This
Scheme is run under Section 11(a) of 20 point programme of the State
Government for the benefit of the members of Schedule Castes and Neo
Buddhists. The Board works as an implementing agency to this scheme.
Under this scheme, eligible applicant claims financial assistance
from nationalised and cooperative banks.
After getting loan, the eligible beneficiary is sanctioned a
subsidy by the Board to the extent of 50% of the loan or Rs.10,000/- whichever is less.
The
eligibility criteria for applying to the scheme are as under:
(a) The
applicant must be from scheduled caste or neo-buddhists community
(b) The
applicant must be below poverty line.
The definition of the income for below poverty line is as follows:
For
urban areas, the annual income should be below Rs. 21,206/- and for
rural areas, the annual income should
be below Rs.15,976/-.
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