SUBSIDY

Industrial and Non-Industrial Subsidy.
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NON- INDUSTRIAL SUBSIDY

Credit Linked Subsidy Scheme (CLSS) – PMAY(U)

The Pradhan Mantri Awas Yojana (Urban)– Housing for All” Mission for urban with all its components has become effective from the date 17.06.2015 and will be implemented upto 31.03.2022.

A beneficiary family will comprise of husband, wife, unmarried sons and/or unmarried daughters.
The beneficiary family should not own a pucca house [(an all-weather dwelling unit)] either in his/
her name or in the name of any member of his/her family in any part of India. […]

HOME LOAN SUBSIDY
FOR EWS/LIG

EWS Means Economic Weaker Section
LIG Means Lower Income Group
are decided based on the income of family.

HOME LOAN SUBSIDY
FOR MIG

MIG Means Middle Income Group
are decided based on the income of family

EWS/LIG

Features of Credit Linked Subsidy Scheme for EWS/LIG at a Glance

Sl	Details	EWS	LIG
1	Household Annual Income (Rs.)	–	–
	Min.	0	300,001
	Max.	300,000	600,000
2	Income Proof for Claiming Subsidy	Self declaration
3	Property Carpet Area (sq.m.) Upto	30	60
4	Property Location	All Statutory Towns as per Census 2011 and towns notified subsequently
5	Applicability of No Pucca House	Not for renovation/upgradation
6	Woman Ownership/Co-ownership	Not for existing property. Required for new acquisition.
7	Due Diligence Process	As per the process of the Primary Lending Institution
8	Eligible Loan Amount	As per the policy applied by the Primary Lending Institution
9	Identity Proof	Aadhaar No.
10	Housing Loan Sanction and Disbursement Period
	From	17.06.2015
	To	31.03.2022
11	Interest Subsidy Eligibilities
I.	Loan Amount (Rs.) Min.	0	0
II.	Loan Amount (Rs.) Max.	600,000	600,000
III.	Loan Tenure (Years)* Max.	20	20
IV.	Interest Subsidy (% p.a.)	6.5	6.5
V.	NPV Discount Rate (%)	9	9
VI.	Max. Interest Subsidy Amount (Rs.)	267,280	267,280
12	Loan Category at the time of crediting the subsidy	Standard Asset
13	Lumpsum amount paid per sanctioned Housing Loan application (Rs.)*	3,000	3,000
14	Quality of House/Flat Construction	National Building Code, BIS Codes and as per NDMA Guidelines adopted
15	Approvals for the Building Design	Compulsory
16	Basic Civic Infrastructure (water, sanitation, sewerage, road, electricity etc.)	Compulsory
17	Monitoring and Reporting the Completion of Property Construction	Responsibility of the Primary Lending Institution
18	Default Repayment of Loan	Recover and Pay back subsidy to CNA on proportionate basis
19	Data Submission & Accuracy, and Record Keeping & Maintenance	Responsibility of the Primary Lending Institution

Note: Data submission for claim/refund to CNA will be only through on-line portal, to promote digital transactions.

MIG

Features of Credit Linked Subsidy Scheme for MIG-I/MIG-II at a Glance

Sl	Details	MIG 1	MIG 2
1	Household Annual Income (Rs.)	–	–
	Min.	600,001	1,200,001
	Max.	1,200,000	1,800,000
2	Income Proof for Claiming Subsidy	Self declaration
3	Property Carpet Area (sq.m.) Upto	160	200
4	Property Location	All Statutory Towns as per Census 2011 and towns notified subsequently
5	Applicability of No Pucca House	Yes
6	Woman Ownership/Co-ownership	No
7	Due Diligence Process	As per the process of the Primary Lending Institution
8	Eligible Loan Amount	As per the policy applied by the Primary Lending Institution
9	Identity Proof	Aadhaar No.
10	Housing Loan Sanction and Disbursement Period
	From	1.01. 2017
	To	31.03.2021
11	Interest Subsidy Eligibilities
I.	Loan Amount (Rs.) Min.	0	0
II.	Loan Amount (Rs.) Max.	900,000	1,200,000
III.	Loan Tenure (Years)* Max.	20	20
IV.	Interest Subsidy (% p.a.)	4	3
V.	NPV Discount Rate (%)	9	9
VI.	Max. Interest Subsidy Amount (Rs.)	235,068	230,156
12	Loan Category at the time of crediting the subsidy	Standard Asset
13	Lumpsum amount paid per sanctioned Housing Loan application (Rs.)*	2,000	2,000
14	Quality of House/Flat Construction	National Building Code, BIS Codes and as per NDMA Guidelines adopted
15	Approvals for the Building Design	Compulsory
16	Basic Civic Infrastructure (water, sanitation, sewerage, road, electricity etc.)	Compulsory
17	Monitoring and Reporting the Completion of Property Construction	Responsibility of the Primary Lending Institution
18	Default Repayment of Loan	Recover and Pay back subsidy to CNA on proportionate basis
19	Data Submission & Accuracy, and Record Keeping & Maintenance	Responsibility of the Primary Lending Institution

Note: Data submission for claim/refund to CNA will be only through on-line portal, to promote digital transactions.

INDUSTRIAL SUBSIDY

SCLCSS

To facilitate credit linkages for SC/ST enterpreneurs Providing handholding and mentoring support Undertaking outreach activities for the promotion of scheme

A-TUFs

To promote ease of doing business and achieve the vision of generating employment & promoting exports through "Make in India" with "Zero effect and zero defect" in manufacturing..

PMEGP

To generate employment opportunities in rural as well urban areas of the country through setting up of new self- employment ventures/projects/micro enterprises.

CLCSS

To facilitate technology to MSEs through institutional finance for induction well established and proven technologies in the specific sub-sector/products approved under the scheme.

Aatmanirbhar Gujarat Schemes

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Textile 2019

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Scheme for assistance to MSME 2020

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EDE

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SCLCSS

Special Credit Linked Interest Subsidy Scheme(S-CLCSS)

Ministry of Micro, Small and medium enterprises, Government of india

Eligible entity:-

Form of Enterprise	Mininum Holding % (SC/ST )
Proprietorship MSEs	100%
Partnership MSEs	51%
Private Limited	51%

ACTIVITIES COVERED UNDER THIS SCHEME

Manufacturing Service SCLCSS subsidy shall not be applicable for trading activities.

SUBSIDY CAP

WHICH EVER IS LOWER

When to apply

END OF NEXT QUARTER FROM QUARTER IN WHICH LAST DISBURSEMENT TAKEN

How to Apply

The eligible SC/ST MSEs may submit the application alongwith requisite documents for SCLCSS subsidy to the concerned Prime Lending Institution (Bank from which term loan has been availed for procurement of plant & machinery / equipment). The Nodal banks/agencies as notified from time to time by the Ministry of MSME shallupload the claim application of SC-ST MSEs on the dedicated MIS Portal.

Plant & Machinery

Only new plant & machinery is eligible. Second hand machinery would not be eligible for assistance

Spare & Accesserioes of main Plant & Machinery.

No assistance on spare & accessories of main plant & machinery.

Cost of Plant & Machinery

In case of imported machinery:- Following shall be included while calculating the value of plant & machinery cost:-
• Import Duty
• Custom charges
• GST

Term loan conditions:
Qualified lending institution	PLI having general agreement (GA) with either SIDBI or NABARD and Nodal Banks
Sanction date	During the operative period of scheme.
Manimum loan of machinery cost	No limit
Tenure of loan (Minimum )	Until repayment of loan
Transfer of existing loan	Not allowed untill receipt of subsidy.

Other Significant Points:-
Machinery life as Commercial Production	The beneficiary unit will have to remain in commercial production for three years after installation of plant & machinery.
Benefits under other scheme:-	MSEs availing subsidy under this scheme shall be eligible for all other types of subsidy except any other Central Government subsidy for technology up-gradation.
Where subsidy be credited/Kept	Subsidy will be kept as TDS for 3 years from date of reference date. After completion of 3 years, subsidy amount will be credited in term loan account of beneficiary.
Location of Machinery	Anywhere in India
Timeline for Machinery Installation	No time line
Machinery Specification	Technological upgraded

A-TUFs

Amended Technology Upgradation Fund Scheme (ATUFs)

Ministry of Textiles, Government of India.

Operative period of scheme:- 09.02.2016 (13.01.2016 to 31.03.2022)
Objectives:-
- To promote ease of doing business and achieve the vision of generating employment & promoting exports through “Make in India” with “Zero effect and zero defect” in manufacturing.
- Facilitate augmenting of investment, productivity, quality, employment, exports along with import substitution in textile industry. It will also indirectly promote investment in textile machinery (having benchmarked technology) manufacturing.

ACTIVITIES COVERED UNDER ATUFS FOR “BENCHMARKED MACHINERY” :-

Weaving, Weaving Preparatory and Knitting
Processing of fibers, yarns, fabrics, garments & made-ups
Technical Textile
Garment / made-up manufacturing
Handloom Sector
Silk Sector
Jute Sector

Subsidy Cap:-

Sr. No.	Segment	Rate of capital investment subsidy	Ceiling /Maximum
1	For Garmenting & Technical Textile, Embroidery including Standalone Embroidery Activity, made ups:	15% on Eligible Machinery	up to Rs. 30 Crore
2	For Weaving for brand new Shuttle-less Looms (including weaving preparatory & knitting), Processing, Jute, Silk and Handloom:	10% on Eligible Machinery	Max.up to Rs. 20 Crore
3	For Composite unit / Multiple Segments: If the eligible capital investment of Garmenting & Technical Textile category is
3(a)	More than 50% of the eligible project cost	15% on Eligible Machinery	up to Rs. 30 Crore
3(b)	Less than 50% of the eligible project cost	10% on Eligible Machinery	up to Rs. 20 Crore

When to apply

Within 6 Months of Sanction of TL (for obtaining UID) using i-ATUF

Plant & Machinery

New Plant & Machinery listed with government are qualified. Second hand machinery would not be eligible for assistance

Spare & Accesserioes of main Plant & Machinery.

Assistance on all accesserioes is available subject to maximum 20% of basic cost of plant & machinery

Source of Purchase for Plant of Machinery

directly purchase from registered manufacturer of machinery or registered authorised agent of such manufacturer

When to purchase

Machinery needs to be purchased after sanction of loan.

Cost of Plant & Machinery

Basic Cost of Plant & Machinery excluding Taxes, Duties and any other Charges.

Location of Machinery

Anywhere In india

Timeline for Machinery Installation

Within one year from date of sanction of term loan. Extension may be allowed.

Machinery Specification

Term loan conditions:
Qualified lending institution	Includes Public Sector Banks, State financial corporation’s (SFC), State Industrial devlopment corporations (SIDCs), Scheduled banks, Cooperative Banks and NBFCs registered with RBI
Sanction date	Prior to date of commercial invoice of plant & machinery
Manimum loan of machinery cost	Minimum 50% of the total eligible machinery cost
Tenure of loan (Minimum )	“For MSMEs Minimum 03 Years For Non-MSMEs Minimum 05 Years”
Transfer of existing loan	Yes, Subject to terms & conditions mentioned under Scheme.
Advance payment limit	Advance payment up to the limit of his own share ( promotor contribution ) in machine cost can be made by applicant prior to sanction of finance.
Machinery life as Commercial Production	The beneficiary unit will have to remain in commercial production for ten(10) years after installation of plant & machinery.
Benefits under other scheme:-	Textile units are permitted to avail of benefits of State Government’s Schemes in addition to the benefit provided under this Scheme.
Where subsidy be credited	Subsidy amount will be directly credited in account of beneficiary.

PMEGP

Prime Minister’s Employment Generation Programme (PMEGP)

Ministry of Micro, Small and medium enterprises, Government of india

Operative period of scheme:-13.05.2022 to 2025-26
Objectives:-
- To generate employment opportunities in rural as well urban areas of the country through setting up of new self- employment ventures/projects/micro enterprises.
- 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.
Benefits available to Only for Micro Unit
- 1. New unit
- 2. Expansion of PMEGP/REGp/MUDRA Unit
ACTIVITIES COVERED UNDER THIS SCHEME All Sectors are eligible for assistance under this scheme.

Subsidy Cap

1. FOR NEW MICRO ENTERPRISE

“Categories of beneficiaries under PMEDP ( for setting up of new enterprises )”	Promotor’s Contribution	Rate of subsidy
Area ( location of project/unit )	–	Urban	Rural
General Category	10%	15%	25%
Special Category	5%	25%	35%

Maximum Cost of project eligible for subsidy

Sector	Eligible Cost of project
For Manufacturing Sectors	50 Lakhs
For Service Sectors	20 Lakhs

2. FOR 2ND LOAN UPGRADATION OF EXISTING PMEGP/ REGP / MUDRA UNITS

Categories of beneficiaries under PMEDP ( for upgradation of existing units )	Promotor’s Contribution (of project cost)	Rate of subsidy (of project cost)
All Categories	10%	15% (20% in NER and Hill States)

Maximum Cost of project eligible for subsidy

Sector	Eligible Cost of project	Maximum Subsidy benefit
For Manufacturing Sectors	100 Lakhs	15 lacs (Rs.20 lakh for NERand Hill States )
For Service Sectors	25 Lakhs	3.75 lacs (Rs.5 lakh for NERand Hill States )

Project Cost:-

Cost of plant & machinery and Working capital are components of project cost, excluding land, subject to Working capital margin should not be more than 40% of project cost

Other important eligibility conditions

Assistance available for new projects under PMEGP
Any individual , above 18 years
Only one person can avail benefit from one family ( family includes self and spouse )
For setting up Project above 10 lacs and 5 lacs for manufacturing sector and service sector respectively, should possess at least 8 pass educational qualification.
Cost of land would not be include in project cost
Training of minimum 10 days/60 hours of entrepreuner is complusory
Subsidy application shall be made to implementing agency before sanction of term loan.

Plant & Machinery

Only new plant & machinery is eligible. Second hand machinery would not be eligible for assistance

Spare & Accesserioes of main Plant & Machinery.

Yes, assistance on spare & accessories of main plant & machinery is available.

Location of Machinery

Anywhere in India

Timeline for Machinery Installation

No time line

Machinery Specification

Technological upgraded

Term loan conditions:
Qualified lending institution	only RBI approved bank is allowed
Sanction date	–
Maximum loan	For General Category – 90% of Project Cost For Special Category – 95% of Project Cost
Tenure of loan (Minimum )	Between 3 to 7 years
Transfer of existing loan	Not allowed
Project financed by more than one Banks	Unit would not be eligible for assistance under PMEGP
Where subsidy be credited/Kept	Subsidy will be kept as TDS for 3 years from date of reference date. After completion of 3 years, subsidy amount will be credited in term loan account of beneficiary.

CLCSS

Credit Linked Interest Subsidy Scheme

Ministry of Micro, Small and medium enterprises, Government of India.

Eligible entity:-

Applicable to only Micro and Small Enterprises (MSEs)

Eligible beneficiaries:-

Micro and Small Industries
Industry graduating from small to medium scale on account of sanction of additional term loan.

ACTIVITIES COVERED UNDER THIS SCHEME

Manufacturing
Service

SUBSIDY CAP

WHICH EVER IS LOWER

When to apply

END OF NEXT QUARTER FROM QUARTER IN WHICH LAST DISBURSEMENT TAKEN

How to Apply

Online Application and Tracking System has been introduced w.e.f. 01.10.2013. To claim subsidy under CLCSS, eligible MSEs are required to apply online through Primary Lending Institutions (PLIs), from where the MSEs avail term loan. The completed application is being uploaded by the PLI through Online Application and Tracking System to the attached Nodal Agency which, in turn, recommends the application online to Office of DC (MSME) for release of subsidy. After processing of application and subject to availability of funds, due approval is accorded from the Competent Authority with concurrence of Internal Finance Wing, after which funds are released to Nodal Agencies. Funds are then transferred by the Nodal Agencies to the PLIs where the account of the MSE is operated.

Plant & Machinery

New Benchmarked machinery is purchased from a notified lending agency would be eligible. Second hand machinery would not be eligible for assistance

Spare & Accesserioes of main Plant & Machinery.

No assistance on spare & accessories of main plant & machinery.

Cost of Plant & Machinery

“In case of imported machinery:- Following shall be included while calculating the value of plant & machinery cost:-
• Import Duty
• Custom charges
• GST”

Term loan conditions:
Qualified lending institution	Implementing / Nodal Agencies : SIDBI, NABARD, SBI, Punjab National Bank, Bank of Baroda, Canara Bank, Corporation Bank, Indian Bank, Andhra Bank and TIICL
Sanction date	During the operative period of scheme.
Manimum loan of machinery cost	No limit
Tenure of loan (Minimum )	Not defined
Transfer of existing loan	Yes, Subject to terms & conditions mentioned under Scheme.

Other Significant Points:-
Machinery life as Commercial Production	The beneficiary unit will have to remain in commercial production until repayment of term loan.
Benefits under other scheme:-	MSEs availing subsidy under this component of the scheme shall not be eligible to avail any other subsidy for technology up-gradation from the CentraljState/UT Government for the same purpose and vice versa.
Where subsidy be credited/Kept	Subsidy will be kept as TDS for 3 years from date of reference date. After completion of 3 years, subsidy amount will be credited in term loan account of beneficiary.
Location of Machinery	Anywhere in India
Timeline for Machinery Installation	No time line
Machinery Specification	Technological upgraded

Aatmanirbhar Gujarat Schemes

Aatmanirbhar Gujarat Schemes 2022 for Assistance to Industries

Industries & Mines Department Government of Gujarat

Benefits available to:-

New Unit
Expansion

Eligibile Units:-

Company
Partnership Firm
Limited Liability Partnership
Society
Trust
Industrial Co-operative Society
Proprietorship

New Enterprise

“New enterprise means msme commences commercial production during the operative period of this scheme. ( having valid udhyam registration )”

Expansion

“50% Increase in investment in gross fixed capital ( out of that at least 60% of investment is made in plant & machinery for which expansion is carried out ) and also increases its installed capacity by atleast 50% of existing projects ”

MSMEs (Based on FCI in Plant & Machinery)

Gross Fixed Capital Investment (GFCI)

“Means and includes Building, Plant & Machinery, Utilities, Tools & Equipment, and Other Asset (Excluding Land )”

ELIGIBLE FIXED CAPITAL INVESTMENT (EFCI)

Include	Exclude
New Building	Land and land Development Cost
Other Construction	Working Capital
Plant & Machinery	Goodwill
Project Related Infrastructure	Royalty
	Preliminary and Pre-Operative Expense
	Indigenous Second hand Plant & Machinery
	Interst Capitalised
	Power Generation Except for Captive Use
	Rented and leased Property

Note: In case of MICRO & SMALL enterprise, investment towards component other than plant and machinery shall be limited only upto 35% of eligible FCI (Fixed capital investment)

Plant & Machinery

New plant & machinery is eligible. Imported Second hand machinery would be eligible for assistance subject to maximum remaining useful life of 10 years

Location of Machinery

Anywhere in Gujarat.

Qualified lending institution

Term loan from financial insitution / bank (Except NBFC) for acquisition of GFCI of enterprise.

Date of Commercial Production

NO.1: ASSISTANCE OF CAPITAL INVESTMENT SUBSIDY TO MICRO ENTERPRISE

Eligibility

CATEGORY OF TALUKA	% ROI
CATEGORY 1	25% (Maximum Rs.35 lakhs)
CATEGORY 2	20% (Maximum Rs.30 lakhs)
CATEGORY 3 & MUNICIPAL CORPORATION AREAS	10% (Maximum Rs.10 lakhs)

*FCI ( Fixed Capital Investment )

Conditions:-
Timeline for Application	“Whichever is Later ►1 Year From First Disbursment of Loan ►1 Year From Commencement of Production ►1 Year From Date of Issue of this Government Resultion”
When to Credit Subsidy	Capital Subsidy will be Paid Only after Commencement of Production
Benefits under other scheme	If Enterprise availed any benefits Under Central Goverment then Total Quantum Of Capital Investment Subsidy From State and Central Shall not exceed total loan amount disbured By Bank/ Financial Institution.

NO.2: ASSISTANCE OF INTEREST SUBSIDY TO MICRO, SMALL AND MEDIUM ENTERPRISE

Eligibility

CATEGORY OF TALUKA	% ROI	PERIOD
CATEGORY 1	7%	7 Year
CATEGORY 2	6%	6 Year
CATEGORY 3 & MUNICIPAL CORPORATION AREAS	5%	5 Year

ADDITIONAL 1% INTEREST SUBSIDY TO SPECIFIED ENTERPRISE

*FCI ( Fixed Capital Investment )

Conditions:-
ADDITIONAL 1% INTEREST SUBSIDY TO SPECIFIED ENTERPRISE	►Differently Abled Enterpreneur ►Woman Enterpreneur” ►Registered Startup ►Young Enterpreneur (Below 35 Years on Date of Sanction of loan) ►Enterprise needs to bear minimum 2% Interest of loan
Timeline for Application	“Whichever is Later ►1 Year From First Disbursment of Loan ►1 Year From Commencement of Production ►1 Year From Date of Issue of this Government Resultion
Date of availment of Subsidy	From Date of 1st Disbursement OR From Date of commencement of production
Benefits under other scheme	If Enterprise availed any benefits Under Central Goverment then Total Quantum Of Interest Subsidy From State and Central Shall not exceed total interest amount charged By Bank/ Financial Institution.
Reimbursement of Subsidy	After commencement of Production

NO.3: NET SGST REIMBURSEMENT TO MICRO, SMALL AND MEDIUM MANUFACTURING ENTERPRISE

Eligibility

CATEGORY OF TALUKA	% ROI	UP TO ….% OF FCI P.A.
CATEGORY 1	100%	7.50%
CATEGORY 2	90%	6.50%
CATEGORY 3 & MUNICIPAL CORPORATION AREAS	80%	5%

*FCI ( Fixed Capital Investment )

Conditions:-
Timeline for Application	“Whichever is Later ►1 Year From First Disbursment of Loan ►1 Year From Commencement of Production ►1 Year From Date of Issue of this Government Resultion”
Date of availment of Subsidy	“Date of 1st Disbursement OR Date of commencement of production”
Separate registration	Service enterprise should have to registration under applicable ACT
Separate Books of accounts	If MSMEs having multiple manufacturing units, then have to maintain separate books of accounts and also certified by CA
Reimbursement of Subsidy	Quarterly Basis

OTHER INCENTIVE SCHEME

EPF REIMBUSEMENT TO MSMEs
ASSISTANCE FOR QUALITY CERTIFICATION
FINANCIAL SUPPORT TO MSMEs IN ZED CERTIFICATION
ASSISTANCE IN INPLEMENTATION OF INFORMATION AND COMMUNICATION TECHNOLOGY
ASSISTANCE FOR TECHNOLOGY ACQUISITION
ASSISTANCE FOR PATENT REGISTRATION
ASSISTANCE FOR SAVING IN CONSUMPTION OF ENERGY AND WATER
ASSISTANCE FOR RAISING CAPITAL THROUGH SME EXCHANGE
ASSISTANCE FOR REIMBURSEMENT OF CGTMSE FEES
REHABILITATION OF SICK ENTERPRISE
ASSISTANCE FOR POWER CONNECTION CHARGES
ASSISTANCE IN RENT TO MSEs

Textile 2019

Scheme for Assistance to Strengthen Specific Sector in the Textile Value Chain

“Industries & Mines Department Government of Gujarat”

Operative period of scheme:- From 4th September 2018 to 31 December 2023.
Eligible enterprise:- Companies Act, Partnership Firm, LLP, lndustrial cooperative Society, Proprietary, Above enterprises must be engaged in manufacturing, production, processing or job work of activities covered under this scheme
Benefits available to Only for Textile Unit •New unit •Expansion, including for integration and diverfication

Definitions:-

New Enterprise

New enterprise means an enterprise which has been set up as a new project and commences commercial production of eligible activity as mentioned in this resolution during the operative period of this scheme.

For Expansion

“25% Increase in investment in gross fixed capital / plant & mcahinery & enterprise has reached utilisation of installed capacity extent of at least 75% in any one of the immediately preceding two financial years.”

Gross Fixed Capital

Means and includes Building, Plant & Machinery, Electrifications, Tools & Equipment, Accessories and Utilities ( Excluding Land )

Eligible Activities

ELIGIBLE ACTIVITY	IN-ELIGIBLE ACTIVITY
WEAVING	GINNING
KNITTING	SPINNING
DYEING & PRINTING( PROCESSING)	“GARMENT AND APPAREL (ELIGIBLE UNDER OTHER POLICY)”
MACHINE CARPENTING	ENTERPRISE IN SEZ
“TECHNICAL TEXTILE ( EXCLUDING WOVEN SACKES)”
MADE UPS
“COMPOSITE UNIT ( EXCLUDING GINNING, SPINNING, GARMENT AND APPAREL)”
ALL OTHER OF TEXTILE CHAIN

NO.1: INTEREST SUBSIDY

CATEGORY	NO OF EMPLOYEES	INTEREST SUBSIDY
MSME	NA	6%
“LARGE (NEED DIRECT EMPLOYMENT)”	UPTO 100	4%
	>100 UPTO 200	5%
	>200 UPTO 500	5%
	MORE THAN 500	6%
MAXIMUM CAP	20 crore Per annum
ELIGIBILITY PERIOD	FOR 5 YEARS from the date of commencement of commercial production

NO.2: POWER TARIFF SUBSIDY

Category	FOR WEAVING ACTIVITY	FOR OTHER
	Rs.3 /PER unit Consumed — FOR LT Connection	2 PER KWH — FOR LT
	Rs.2 /PER Unit consumed – FOR HT Connection	2 PER KWH — FOR HT
ELIGIBILITY PERIOD	FOR 5 YEARS from the date of commencement of commercial production

When to apply

“Within one year from the date of first disbursement of term loan OR the date of commencement of commercial production, Whichever is LATER.”

Plant & Machinery

Only new plant & machinery is eligible. Second hand machinery would not be eligible for assistance

Qualified lending institution

“Term loan from commercial/cooperative bank or Financial lnstitution approved by RBl.”

Disbursement date

Term Loan should not be disbursed after one year from Date of Commencement of Commercial Production.

Benefits under other scheme:-

lnterest Subsidy will be in addition to any other incentives available under any other scheme of Govemment of lndia. However, total lnterest Subsidy from State and Centre should not exceed the actual interest paid by the enterprise.

Where subsidy be credited/Kept

Subsidy amount will be directly credited in account of beneficiary.

OTHER INCENTIVE SCHEME

Scheme for assistance to MSME 2020

Scheme for assistance to MSME

“Industries & Mines Department Government of Gujarat”

Benefits available to:-

New Unit
Expansion

Definitions:-

New Enterprise: New enterprise means msme commences commercial production during the operative period of this scheme. (Having valid udhyam registration )
Expansion: “50% Increase in investment in gross fixed capital (Out of that at least 60% of investment is made in plant & machinery for which expansion is carried out ) ”
Gross Fixed Capital: Means and includes Building, Plant & Machinery, Electrifications, Tools & Equipment, Accessories and Utilities ( Excluding Land )

NO.1: Capital Investment Subsidy

Only For Manufacturing Unit

CATEGORY OF TALUKA	% OF TERM LOAN	MAXIMUM
CATEGORY 1	25%	35 LAKH
CATEGORY 2	20%	30 LAKH
CATEGORY 3 & MUNICIPAL CORPORATION AREAS	10%	10 LAKH

Enterprise will not eligible for this assistance, if loan is sanctioned after one year from date of commencement of production

if unit availed any benefit under central scheme then total quantum of capital subsidy from state & central shall not exceed total loan amount disbursed by f.i.

NO.2: Interest Subsidy

For Manufacturing Unit and New Service Enterprise

CATEGORY OF TALUKA	% ON TERM LOAN	MAXIMUM	PERIOD
CATEGORY 1	7%	35 LAKH P.A.	7 YEAR
CATEGORY 2	6%	30 LAKH P.A.	6 YEAR
CATEGORY 3 & MUNICIPAL CORPORATION AREAS	5%	25 LAKH P.A.	5 YEAR

ADDITIONAL 1% INTEREST SUBSIDY TO SPECIFIED ENTERPRISE

Conditions:-

Only New MSMEs of Service Sector listed in Annexure-A and B will be eligible .
Service Enterprise must have GST Registration.
Service Enterprise shall have to give permanent employment to minimum 10(ten) persons.
Penal Interest/Other charges not consider as interest for availment of Subsidy.

When to apply

“Within one year from the date of first disbursement of term loan or date of commencement of commercial production, whichever is later.”

Plant & Machinery

New plant & machinery is eligible. Imported Second hand machinery would be eligible for assistance.

Location of Machinery

Anywhere in Gujarat

Qualified lending institution

Term loan from financial insitution / bank (Except NBFC) for acquisition of GFCI of enterprise.

Disbursement

Term Loan should not be disbursed after one year from Date of Commencement of Commercial Production.

Production date

During the operative period of scheme.

Machinery life as Commercial Production

The beneficiary unit will have to remain in commercial production for Seven years after installation of plant & machinery.

Benefits under other scheme:-

Where subsidy be credited/Kept

Subsidy amount will be directly credited in account of beneficiary.

OTHER INCENTIVE SCHEME

Assistance of Quality Certification
Financial Support to MSMEs in ZED Certification
Assistance in implementation of information and communication technology ( ICT )
Assistance for Technology Acquisition
Assistance for Patent Registration
Assistance for saving in consumption of energy and water
Assistance for raising capital through SME Exchange
Assistance for reimbursement of CGTMSE fee
Rehabilitation of sick enterprises
Assistance for power connection charges
Assistance in rent to MSEs

EDE

Electric Duty Exemption (EDE)

“Energy & Petrochemicals Department, Govt. of Gujarat”

Operative period of scheme

There is not any operative period for this particular scheme

Who will be eligible?

Any New or Existing manufacturing Enterprise.
For carrying out expansion by existing enterprise with investment in fixed capital more than 50% of its existing gross fixed capital investment in Plant & machinery & Building as on date of initiation of expansion

Assistance available

Electricity duty in 10% of Electricity bill generated in case of L.T. power connection.
Electricity duty in 15% of Electricity bill generated in case of H.T. power connection.
Electricity duty on Diesel Generator (DG) set capacity up to 125 KVA. Electricity duty on DG Set capacity more than 125 KVA is 60 paisa/unit generated and consume by the consumer.
EDE is available for any new or first manufacturing unit in Gujarat for first 5 years in normal area and 10 years in SEZ.
Electricity duty exemption is also available for expansion of existing units with certain conditions for 5 years.

Basic Conditions of Scheme

The Motive Power Connection has to be new & it should be in the name of Proprietor OR Unit. (If Party purchase building with motive power connection then name transfer mandatory also the last party should not have availed Duty Benefit).
Single Phase METER has to be Installed & Sealed by GEB for Office & Factory lighting.
It Covers New Plant & Machinery, if Second hand it has to be Imported.
To avail full 5 years duty benefits the applications it should submitted within 90 days from the date of Commercial Production.
If Owner Purchases Old Constructed Building then the new Investment should be minimum 10 times of the Sale Deed Amount.
In Case of expansion done in same premises the unit must have to install sub meter.

SUBSIDY

NON- INDUSTRIAL SUBSIDY

HOME LOAN SUBSIDY FOR EWS/LIG

HOME LOAN SUBSIDY FOR MIG

Features of Credit Linked Subsidy Scheme for EWS/LIG at a Glance

Note: Data submission for claim/refund to CNA will be only through on-line portal, to promote digital transactions.

Features of Credit Linked Subsidy Scheme for MIG-I/MIG-II at a Glance

Note: Data submission for claim/refund to CNA will be only through on-line portal, to promote digital transactions.

INDUSTRIAL SUBSIDY

SCLCSS

A-TUFs

PMEGP

CLCSS

Aatmanirbhar Gujarat Schemes

Textile 2019

Scheme for assistance to MSME 2020

EDE

Special Credit Linked Interest Subsidy Scheme(S-CLCSS)

Eligible entity:-

ACTIVITIES COVERED UNDER THIS SCHEME

SUBSIDY CAP

WHICH EVER IS LOWER

When to apply

END OF NEXT QUARTER FROM QUARTER IN WHICH LAST DISBURSEMENT TAKEN

How to Apply

Plant & Machinery

Spare & Accesserioes of main Plant & Machinery.

Cost of Plant & Machinery

Amended Technology Upgradation Fund Scheme (ATUFs)

ACTIVITIES COVERED UNDER ATUFS FOR “BENCHMARKED MACHINERY” :-

Subsidy Cap:-

When to apply

Plant & Machinery

Spare & Accesserioes of main Plant & Machinery.

Assistance on all accesserioes is available subject to maximum 20% of basic cost of plant & machinery

Source of Purchase for Plant of Machinery

directly purchase from registered manufacturer of machinery or registered authorised agent of such manufacturer

When to purchase

Machinery needs to be purchased after sanction of loan.

Cost of Plant & Machinery

Basic Cost of Plant & Machinery excluding Taxes, Duties and any other Charges.

Location of Machinery

Anywhere In india

Timeline for Machinery Installation

Within one year from date of sanction of term loan. Extension may be allowed.

Machinery Specification

Prime Minister’s Employment Generation Programme (PMEGP)

Subsidy Cap

1. FOR NEW MICRO ENTERPRISE

Maximum Cost of project eligible for subsidy

2. FOR 2ND LOAN UPGRADATION OF EXISTING PMEGP/ REGP / MUDRA UNITS

Maximum Cost of project eligible for subsidy

Project Cost:-

Other important eligibility conditions

Plant & Machinery

Spare & Accesserioes of main Plant & Machinery.

Location of Machinery

Timeline for Machinery Installation

Machinery Specification

Credit Linked Interest Subsidy Scheme

Eligible entity:-

ACTIVITIES COVERED UNDER THIS SCHEME

SUBSIDY CAP

WHICH EVER IS LOWER

When to apply

END OF NEXT QUARTER FROM QUARTER IN WHICH LAST DISBURSEMENT TAKEN

How to Apply

Plant & Machinery

Spare & Accesserioes of main Plant & Machinery.

Cost of Plant & Machinery

Aatmanirbhar Gujarat Schemes 2022 for Assistance to Industries

New Enterprise

Expansion

MSMEs (Based on FCI in Plant & Machinery)

Gross Fixed Capital Investment (GFCI)

“Means and includes Building, Plant & Machinery, Utilities, Tools & Equipment, and Other Asset (Excluding Land )”

ELIGIBLE FIXED CAPITAL INVESTMENT (EFCI)

Note: In case of MICRO & SMALL enterprise, investment towards component other than plant and machinery shall be limited only upto 35% of eligible FCI (Fixed capital investment)

Plant & Machinery

Location of Machinery

HOME LOAN SUBSIDY
FOR EWS/LIG

HOME LOAN SUBSIDY
FOR MIG