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1 Vigilance Awareness Week 2016 was observed in SIDBI from October 31, 2016 to November 05, 2016 with the theme Integrity and Public participation in eradication of corruption. ***************************************************** Shri Ajay Kumar Kapur Dy. Managing Director Shri Manoj Mittal Dy. Managing Director Dear All, The Union Budget has brought optimism in the economy to take it to greater heights. Based upon Transform, Energise and Clean India (TEC India) agenda, the Budget professes a rural demand-led growth strategy, affordable housing, curbing black money, promoting digital economy and simplification of tax administration. The Budget is centered around promoting economic growth coupled with welfare optimization and driven towards a more egalitarian society with thrust on un-served and underserved sections of the society. Strong stimulus is given to infrastructure investment, which will boost private manufacturing in the infrastructure products. Measures like Referral Bonus Scheme and Cash-back Scheme to promote digital usage of BHIM App, Aadhar Pay, e-market place for procurement of goods and services is expected to boost digital economy. The Union Budget also envisages steps such as SANKALP scheme to provide market relevant training to 3.5 crore youth, Skill Strengthening for Industrial Value Enhancement (STRIVE) to improve the quality and market relevance of vocational training and additional Pradhan Mantri Kaushal Kendras in more than 600 districts. The Budget also encompasses MSME growth-based approach. Tax incentives like reduction of corporate tax to 25% for small companies (with turnover upto `50 crore), extension of carry-forward period of Minimum Alternate Tax (MAT) to 15 years, reduction of presumptive income tax to 6% from 8% (for turnover upto `2 crore received by non-cash means) etc. will provide impetus to the sector. In order to simplify tax administration, the threshold limit of presumptive income for audit has been increased from `1 crore to `2 crore. Further, excise duty concession is given for renewal energy, parts used for LED, etc. Strong push has been bestowed to electronics hardware manufacture under Make in India umbrella. Overall, a pathbreaking Budget which will take Indian economy and in particular, MSME sector to greater heights. i

2 Subsidy Schemes for MSMEs in India (at Central level) Technology Up-gradation Fund Scheme (TUFS) (Ministry of Textiles) Ministry of Textiles introduced the Technology Up-gradation Fund Scheme (TUFS) for textiles and jute industry to facilitate induction of state-of-the-art technology by the textile units. Under the Amended TUFS effective from January 13, 2016, only Capital Subsidy is provided (subject to a cap of `30 crore) for eligible units in the Textile sector. Link - Scheme for Technology Up-gradation/ Establishment/ Modernization for Food Processing Industries (Ministry of Food Processing Industries, Govt. of India) This Scheme covers activities like setting up/expansion/modernization of food processing industries covering all segments, viz. fruits & vegetable, milk product, meat, poultry, fishery, oil seeds and such other agri-horticultural sectors leading to value addition and shelf life enhancement including food flavours and colours, oleoresins, spices, coconut, mushroom, hops. The assistance is in the form of grant subject to 25% of the plant & machinery and technical civil work subject to a maximum of `50 lakh in General Areas and 33.33% upto `75 lakh in Difficult Areas (J&K, Himachal Pradesh, Uttarakhand, Sikkim, North Eastern States, Andaman & Nicobar Islands, Lakshwadeep). Link - Integrated Development of Leather Sector (IDLS) (Ministry of Industries & Commerce, Govt. of India) The scheme is aimed at enabling existing tanneries, footwear, footwear components and leather products units to upgrade leading to productivity gains, right-sizing of capacity, cost-cutting, design and development simultaneously encouraging entrepreneurs to diversify and set up new units. The financial assistance under the Scheme will be investment grant to the extent of 30% of cost of plant and machinery for MSMEs and 20% of cost of plant and machinery for other units (i.e. non-msmes) subject to ceiling of `50 lakh for technology up-gradation / modernization and/or expansion and setting up a new unit. The rate of assistance would be at 20% for all units (both MSMEs and non-msmes) above `50 lakh subject to ceiling of `2 crore. Link - Credit Linked Capital Subsidy Scheme for Technology Up-gradation (CLCSS) (Ministry of MSME, Govt. of India) The Scheme aims at facilitating Technology Up-gradation of Micro and Small Enterprises by providing 15% capital subsidy [ceiling of `15 lakh] on institutional finance availed by them for induction of well established and improved technology in approved sub-sectors/products. The admissible capital subsidy is calculated with reference to purchase price of plant and machinery. Maximum limit of eligible loan for calculation of subsidy is `100 lakh. Operational Procedure under CLCSS is now online and a paperless claim process. Link - Technology & Quality Upgradation Support for MSMEs (TEQUP) (Ministry of MSME, Govt. of India) The TEQUP scheme focusses on enhancing competitiveness of MSMEs through Energy Efficiency and Product Quality Certification, reduction in emission of Green House Gases (GHGs). A grant assistance to the extent of 25% of the project cost for implementation of Energy Efficient Technologies (EET) subject to maximum of `10 lakh is provided. MSMEs to be audited for energy consumption by a qualified Energy Auditor and project/machines installed in the units should lead to minimum 15% reduction in energy consumption. Link - Government Subsidy for Small Business for Cold Chain (Ministry of Food Processing Industries, Govt. of India) The objective of the scheme of Cold Chain, Value Addition and Preservation Infrastructure is to provide integrated cold chain and preservation infrastructure facilities without any break from the farm gate to the consumer. It covers pre-cooling facilities at production sites, reefer vans, mobile cooling units as well as value addition centres which includes infrastructural facilities like Processing/Multi-line Processing/ Collection centres, etc. for horticulture, organic produce, marine, dairy, meat and poultry etc. Individual, Groups of Entrepreneurs, Cooperative Societies, Self Help Groups (SHGs), Farmers Producer Organizations (FPOs), NGOs, Central/State PSUs, etc. with business interest in Cold Chain solutions are eligible to set up integrated cold chain and preservation infrastructure and avail grant under the Scheme. Link - ii

3 Extension of Financial Assistance to Coir units in the Brown Fibre sector (Ministry of MSME, Govt. of India) The Coir Board runs a scheme for financial assistance to the coir units in the brown fibre sector. The rate of financial assistance under the scheme is 25% of the cost of equipment and infrastructural facilities subject to certain ceiling limits based on the type of unit. Link - Scheme for Extension of Financial Assistance for Generator Set / Diesel Engine (Ministry of MSME, Govt. of India) The purpose of the scheme is to give one time subsidy to fibre / curled coir production units in the brown fibre sector to carry out production at periods of power cut/ low voltage and to ensure supply of brown fibre and curled coir to meet the requirements of rubberized coir products, coir rope, yarn and mats and matting sectors. The quantum of subsidy for one unit will be 25% of the cost of generator set subject to a maximum of `50,000/-. This will be a one time financial assistance and will be granted on the basis of expenditure incurred by the unit. Link - Marketing Assistance Scheme by NSIC (Ministry of MSME, Govt. of India) The assistance is provided for following activities: (a) Organising exhibitions abroad and participation in international exhibitions/trade fairs, (b) Co-sponsoring of exhibitions organised by other organisations/industry Associations/agencies, (c)organising buyer-seller meets, intensive campaigns and marketing promotion events. Link - ISO 9000/ISO Certification Reimbursement Scheme (Ministry of MSME, Govt. of India) The scheme provides incentive to those small scale/ancillary undertaking who have acquired ISO 9000/ISO 14001/HACCP certifications. Link - Marketing Support/Assistance to MSMEs (Bar Code) (Ministry of MSME, Govt. of India) To provide financial assistance to Micro and Small Enterprises (MSEs) to enhance their marketing competitiveness. Under this scheme MSEs are encouraged and motivated for use of bar- codes through seminars and reimbursement of registration fees. Once got registration for use of bar code for product( the prescribed application form has to be filled up for claiming reimbursement on Bar Code Application form along with formats for supporting documents may be collected from Director, MSME-DI or can be downloaded from Application form with required documents is to be submitted to office of MSME-DI Address of MSME-DI is given on the website: Support for Entrepreneurial and Managerial Development of SMEs (Ministry of MSME, Govt. of India) The objective of the scheme is to provide early stage funding for nurturing innovative business ideas (new indigenous technology, processes, products, procedure, etc.) which could be commercialised in a year. Under this scheme, financial assistance is provided for setting up of Business Incubators (BI). The cost may vary between `4-8 lakh for each incubatee/idea, subject to overall ceiling of `62.5 lakh for each BI. The scheme is based on Request for Proposal (RfP)/Expression of Interest (EOI) and application by the technical institution. which wants to be a host institution can be made by it, once an RFP is released. Any individual or MSME can apply directly to their nearest host institution. A list of host institution is given on the website Prime Minister Employment Generation Programme (PMEGP) (Ministry of MSME, Govt. of India) The scheme is implemented by Khadi and Village Industries Commission (KVIC), as the nodal agency at the national level. At the state-level, the scheme is implemented through State KVIC Directorates, State Khadi and Village Industries Boards (KVIBs) and District Industries Centres (DICs) and banks. The subsidy under the scheme is routed by KVIC through the identified banks for eventual distribution to the beneficiaries/ entrepreneurs in their bank accounts. Link - (Source iii

4 Performance of standupmitra Portal (as on January 31, 2017) No. of hits on portal lakh Registrations 26,211 Applications 22,542 Nos. (online 3,916) Sanctions 19,384 Nos. (online 894), SUI sanctions : 17,546 for `3,639 crore Disbursements 14,112 Nos. (online 597) SUI disbursements : 12,609 for `2,616 crore Handholding requests responded 1,922 requests No. of branches logged in 1.06 lakh of 95 Banks No. of Stand Up India Help Centers 4,206 (SUHCs) logged in User friendly features are being added to the portal:- Credit Guarantee Scheme for Stand Up India (CGSSI) In our endeavour to extend collateral-free loans to Stand Up India (SUI) aspirants, National Credit Guarantee Trustee Company (NCGTC), an associate of SIDBI, has signed MoUs with 41 banks and details of such banks can be obtained from the home page of standupmitra portal under the tab Downloads. While opting for preferred bank branches by the loan aspirants on online mode, a pop-up message showing details of MoUs entered into will appear. Each bank branch can also login to the portal for better awareness about their banks MoU. Target Achievement Report has been made available to the bankers to monitor and review the progress of Stand Up India scheme. The report captures the details of bank branches who have achieved the target, partially achieved and not achieved. Accordingly, thrust is laid on those bank/branches. Ease of Access Kit has been made available to the dashboard of the bank branches for ready reference, which is a Ready Reckoner for bankers. SUI clinics, a performance linked pilot initiative, (wherein registered, saved but not submitted and those aspirants whose cases have been rejected are being facilitated through expert agencies) is facilitating lodgment of aspirants applications. It is receiving good feedback and is being scaled up. To improve the response mechanism, SIDBI branches have started identifying the Champion Agencies which attend to the non-responded hand-holding requests by leveraging on aggregation (pooled requests with one agency) benefits. In order to enable applicants to choose active and responsive hand-holding agency, a pop up message has been introduced to select the agency, while placing a request for such assistance. This also motivates the HH agency to perform better. Experience digital delights on & iv

5 MSME Policies & News The Govt. of India has started its Defence Technology Fund Scheme, a cornerstone of the Make in India initiative that will fund research by MSMEs on urgent military technology projects up to a value of `10 crore. In the first round, six projects have been identified for the Technology Development Fund (TDF) plan, in which the government will fund the development of technologies or a prototype by selected companies that has to be completed within two years. The Defence Research and Development Organisation (DRDO) will oversee the execution of the scheme. Among the projects chosen to initiate the plan are light weight bulletproof materials for the Army that can be used to make bulletproof jackets and vehicles. Another project is to develop and demonstrate a series of fuel cells to meet different requirements of the Army. The micro, small and medium enterprises (MSMEs) filing Udyog Aadhaar Memorandum (UAM) will now get one time password (OTP) on mobile phone linked to the Aadhaar Number of the applicant for verification of the fresh memorandum as well as amending of the existing memorandum. The entrepreneurs will now not be required to fill bank details while filing UAM. The modifications in the UAM filing procedure has been introduced mainly based on the representations received from the state governments about the authenticity and difficulty in tracing the enterprises for which UAM have been filed. According to the amendment in the UAM filing procedure, no enterprise shall file more than one memorandum. The Ministry of MSME has finalised MoU on micro, small and medium enterprises cooperation with Indian Ocean Rim Association (IORA) member countries on January 21, The focus areas of the pact are to finalise linkages and alliances amongst MSMEs organisations, associations and various institutions engaged in MSME development in their countries and exchange best practices, policies and programmes for development of the sector. The other focus areas include greater involvement of MSMEs in the global supply chain, increase their market access; promote youth and womens economic empowerment and encourage synergies with the IORA forum. The MoU will take effect for each party upon signature by five countries. The IORA member countries include Mozambique, Sri Lanka, South Africa, Kenya, Seychelles, Malaysia, Mauritius, Singapore, Australia, UAE and Yemen. The Food Safety and Standards Authority of India (FSSIA) has notified the Food Safety and Standards (Food Recall Procedure) Regulations, The objectives of the food recall procedure is to ensure removal of food under recall from all stages of the food chain in accordance with section 28 of the Act; ensure dissemination of information to concerned consumers and customers; and ensure retrieval, destruction or reprocessing of food under recall. These regulations will apply to the food or food products that are determined or prima facie considered unsafe and/or as may be specified by the Food Authority from time to time. Under the Regulations, the recall process shall also be initiated as a result of reports or complaints referred to the food business operator from any stakeholder and if food business operator determines that there are a need to recall. In case the food business operator does not respond to the complaint, the complainant or the consumer may inform the Chief Executive Officer, FSSAI or Commissioner of Food Safety of the State or Union territory or both who will take steps to determine the need for recall and instruct the concerned food business operator regarding the recall, who shall be bound by such instructions. The Regulation mentions that all the food business operators in the entire food chain must implement the instructions relating to food recall. Failure to do so shall render the food business operator liable to action as provided under the Act or the rules or regulations made there under. Also, the food business operator is now required to maintain the food distribution records which include the names and addresses of suppliers and customers, nature of food, date of purchase, date of delivery, lot v

6 number, batch code, pack size, brand name, date of manufacture, date of expiry and best before date, and shall maintain such records for a period of one year from best before date or the expiry date, as applicable. The Regulation says that the food business operator shall stop distribution of food under recall and also stop its production if necessary, without waiting for any instructions from the CEO, FSSAI or Union territory so as to ensure that consumer safety is not compromised and he shall contact everyone from the raw material vendor to the final consumer of the affected food by written communication, phone, , fax, or a combination thereof, notify the suppliers and any other relevant retailer or trade association and immediately identify all required product details along with any additional details which would facilitate speedy identification and recall. The notification has been made effective from January 18, 2017 To explore and enhance the potential of Cane and Bamboo of North Eastern Region (NER), the North Eastern Council (NEC) and the Development Commissioner (Handicrafts), Ministry of Textiles have signed a Memorandum of Understanding (MoU). The important features of the MoU are as under: The MoU provides a push for the integrated and inclusive development of cane & bamboo sector of NER by way of skilled manpower, technology dissemination, marketing support and institutional support required for the holistic development of Bamboo which can coordinate a mission to mobilise masses and promote Bamboo sector as a whole throughout the country. The NEC and the Development Commissioner (Handicrafts) will promote Cane and Bamboo Technology Centre (CBTC), Assam and the Bamboo & Cane Development Institute (BCDI), Tripura as the Centres of Excellence not only in the North East Region, but also in South East Asia. As per the MoU, the CBTC will be transformed into a Regional Centre of Excellence and the BCDI will be converted as a separate entity under the name Indian Institute of Bamboo Technology (IIBT). CBTC and BCDI will collaborate for institutional support for bamboo sector and will generate awareness and cultivating knowledge base among the masses about possibilities of sustainable utilisation of the raw materials cultivated by the sector. CBTC and BCDI will serve as a platform for generating and exchanging the knowledge-base on the product development in cane and bamboo through the Discipline of Product Design and Innovation. The collective knowledge-base of the sector would be documented and made available through library resources, multimedia, publications and online resources. The Discipline of Bamboo and Cane product Innovation will help in defining the criteria for Industry standards and certification in terms of Quality and protecting the geographical rights for traditional innovations. To establish the presence of bamboo and cane as an economically strong industry, education will be imparted at various levels; to Craftsmen and Entrepreneurs, Designers, Farmers, Technologists and Marketing and Management professionals. Training programmes on subjects such as Entrepreneurship development among the artisan community with inputs in product innovation and design will also be provided in order to contribute in the up gradation of the socio economic status of the cane and bamboo industry in the region and at a national level. The Associated Chambers of Commerce and Industry of India (ASSOCHAM) has come up with a web portal that will help the small and medium enterprises seek and find solutions to their credit requirements. The SMEs are needed to register their fund requirements along with all company details, which will be circulated, to banks. After duly evaluating the proposal, ASSOCHAM will forward them to the banks for possible loan approvals, thus reducing the time that most MSMEs waste in doing the rounds of banks and other financial institutions. The new portal will help both MSMEs as well as the banks who are sitting on excess funds due to the demonetization program of the government. With ASSOCHAM doing the preliminary screening, the process would be simplified for both the banks as well as the MSMEs. vi

7 SIDBI signed an MoU with Life Insurance Corporation of India (LIC) to give a boost to the Venture Capital eco-system in the country. Under the MoU, as part of first phase, LIC and SIDBI signed Contribution Agreements with 7 Venture Capital Capital Funds (VCFs) on January 03, 2017 in New Delhi with an aggregate commitment of `99.50 crore from LIC. This is over and above commitment of ` crore already given to these funds by SIDBI. Seen here are: Shri Ajay Kumar Kapur, Dy. Managing Director, Shri K. I. Mani, Chief General Manager and Shri S. Ananthakrishnan, Dy. General Manager from SIDBI along with officials from LIC. SIDBI entered into a Memorandum of Understanding (MoU) with SMERA Ratings Limited (SMERA) on December 09, 2016 at Mumbai. The MoU was executed in the presence of Shri Ajay Kumar Kapur, Dy. Managing Director and Shri Manoj Mittal, Dy. Managing Director and was signed by Shri M. K. Sharma, Chief General Manager, SIDBI and Shri Sankar Chakraborti, Chief Exectutive Officer, SMERA. The objective of the MoU is to utilize SMERA s Pan India marketing network for the growth of SIDBI s direct finance business, to identify potential clients for terms loans under SMILE scheme. The cooperation is expected to result into growth and development of MSMEs in various clusters across the country, particularly MSMEs access to low cost timely funds through the outreach of SMERA. Under the arrangement, SMERA shall strive to refer about 1000 applications every financial year which would create a large demonstrative effect on the MSME sector in the country. SIDBI, New Delhi entered into an MoU with Badli Industrial Estate Association (BIEA), Delhi for promoting digital literacy among the MSMEs and its various constituents. SIDBI in association with BIEA and Chamber of Indian Micro Small and Medium Enterprises (CIMSME) had organized a single-day digital training and awareness programme Digital Classes ( ड जटल क ) at Badli Industrial Area on 22 nd December, 2016 for the selfemployed, tiny units, service providers and the workers/employees working with such units. During the Programme, Shri. S. P. Singh, General Manager, SIDBI interacted with the participants and enunciated about the role of SIDBI and the benefits of digitization. He also emphasized on various schemes of the Bank including Stand Up India, MUDRA etc. The programme was attended by more than 150 participants who were felicitated with Certificate of Digital Literacy. vii

8 The 8 th edition of Vibrant Gujarat Global Summit was held during 9 th 13 th January 2017 at Gandhinagar, Gujarat. The event was inaugurated by Hon ble Prime Minister Shri Narendra Modi. With a view to disseminate information on SIDBI s schemes and products to potential customers, SIDBI participated in this mega event. Various schemes like SMILE, Energy Efficiency, Risk Capital along with MUDRA and Stand Up India were widely publicized during the event. On this occasion, Shri C. S. Thanvi, General Manager, SIDBI inaugurated the SIDBI stall. Shri Kirti Lal Jain, Dy. General Manager and Shri Pramod Vijayvargiya, Dy. General Manager were also present on the occasion. Confederation of Indian Industry Mohali Zonal Council organized a session on Empowering SMEs through Credit Facilitation which comprised of interaction with SIDBI and a session on Online MSME Finance Facilitation Centre at Chandigarh on 18 th January, Shri Anand Srivastava, General Manager, SIDBI, Chandigarh apprised the industry members regarding schemes of SIDBI like SMILE as well as other Govt. initiatives like MUDRA, Stand Up India, etc. and availing easy loans by the industry. भ रत य लघ उ य ग वक स ब क ( सडब ) व र लघ और म यम उ य ग क म क इन इ डय क य म क तहत दए ज रह स हन क स दभ म सडब व र 11 जनवर, 2017 क क डल म एक य वस यक ब ठक आय जत क गय इस क य म क उदघ टन स य क श स ह, मह ब धक, सडब न कय क य म क द र न स ब एव र ई इ ड यल ए ट ट म न फ चर स एस शएशन (र इम ) क ब च एक समझ त पन कय गय, जसक उ य र ईम क सद य क लए स व ध ऋण क व रत म ज र / स वतरण ह क य म म स य क श स ह, मह ब धक न बत य क म क इन इ डय क य म क तहत त ज स उ य ग क बढ़ व द न क लए फ ईन स य जन क व त रत कय ज रह ह, जसक तहत 9.95% दर स ऋण दय ज रह ह सडब व र नए उभरत ह ए य व ओ क उ य ग लग न क ज नक र द न ह त उ यम म न म स प ट ल भ श कय गय ह त क य व ओ क कस तरह क पर श न न झ लन पड़ स ह न भ रत सरक र व र र भ कय गए ट ड-अप इ डय क य म क ब र म ज नक र द प य ष भ ग व, सह यक मह ब धक न सडब क व भ न य जन ओ क व त त वण न कय तथ भ रत सरक र व र एमएसएमई इक इय क द ज रह स सड य जन ओ तथ ट ड-अप इ डय क य म क ब र म व त र स बत य Confederation of Indian Industry Southern Region (CII-SR) has organized a conference viz., ENTREPRENEUR 2.0 on Innovation: Transforming Ideas to Business on December 09, 2016 at Hyderabad. Two hundred fifty prospective and existing entrepreneurs, bankers, private equity players and institutions, students, consultants, members of DICCI, attended the event. Shri G. Sampath Kumar, General Manager participated in the panel discussion on Financing Options for Entrepreneurs, a focused discussion on the financing options for entrepreneurs and on the schemes and initiatives undertaken by SIDBI for MSME sector including SMILE, Risk Capital, MUDRA loans and Stand up India Scheme, etc. The opportunity was utilized to stress on the importance of Stand up India scheme and MUDRA scheme. viii

9 Grown with SIDBI M/s. Shree Chem Food Pvt. Ltd. (SCFPL), an ISO 9001:2008 certified company, is located in Gandhidham (Gujarat). The company was incorporated in 2009 as a green-field unit engaged in production of triple refined edible, industrial and iron fortified salt. The unit started its operations as a green field unit with financial support from SIDBI which has so far provided 11 repeat loans to SCFPL. With continued SIDBI support, there has been no looking back for SCFPL. It has grown from strength to strength with turnover increasing to `39 crore in Shri Sajjan K. Agarwal Director, SCFPL A Source of Inspiration Shri Piyush Bhargava, Asst. General Manager, SIDBI, Kundli Branch is dedicated to serve society. He has donated blood a record 22 times since He has registered himself on various websites where blood seekers can contact for donation ( etc.). Moreover, he has also committed for organ donation. ix

10 Who Became Big From Small This Padma Bhushan awardee had started one enterprise named Microcomp with his partners, a company which focused on selling tele-digital calculators in the Indian market. Later he founded an IT hardware company in 1976 with an investment of `1.87 lakh. The company is having presence in more than 34 countries with a market cap of more than `1 trillion. This Indian entrepreneur started his career as an associate professor. Later He founded a pharmaceutical company in 1968 with a start-up capital of `5,000. Under his leadership, the company has become a US$ 1.83 billion with multi-national presence. This political leader commonly known as FDR was the longest-running president of his country. In his political career, he was stricken with debilitating polio which cost him the use of his legs and put his future political career in jeopardy, but he attempted to recover from the illness and founded a treatment center for people with polio. Energized by his personal victory over polio, he relied on his persistent optimism and activism to renew the national spirit and went on to become the president of his country. This Japanese businessman, left a bank job to start his own consulting group. In 2001, he co-founded a company with just 250,000 yen. The e-commerce company went on to have the largest e-commerce site in Japan and among the world s largest by sales. Once their father brought home a toy helicopter for his two younger sons. Made of paper, bamboo and cork with a rubber band to twirl its rotor, it was about a foot long. They played with it until it broke and then built their own. In later years, they pointed to their experience with the toy as the spark of their interest in flying, who are generally credited with flying the world's first successful airplane. (P. S. Dear All, our intention is not to test your knowledge, but to tell you that please treat each failure as an opportunity to learn and use this desire to learn to excel in life. The answers will be given in the next issue.) Answer to Who Became Big From Small (January 2017 issue): Larry Ellison, Co-founder of Oracle Corporation; Charles Koch, Co-owner of Koch Industries; Phil Knight, Co-founder of Nike; Leonardo Del Vecchio, founder of Luxottika Group; Dietrich Mateschitz, co-founder of Red Bull energy drink company. x

11 भ रत सरक र म म डल स चव लय ल क शक यत नद श लय य आप अनस लझ शक यत स पर श न ह? आप ल क शक यत नद श लय क क य क अ तग त म लय / वभ ग और स गठन स स ब धत शक यत क सम ध न क लए ल क शक यत नद श लय क सह यत ल सकत ह पछल क छ स ल म, इस नद श लय व र उठ ई गई लगभग न ब तशत शक यत क स त षजनक सम ध न कय गय ह अपन शक यत दज कर न स पहल क पय न च द गई शत क य नप व क पढ़ :- आपन अपन शक यत क स ब धत वभ ग क सम सम ध न ह त त त कर लय ह आपक शक यत स व म मल ( य ट, ज प एफ इ य द ज स स व त हतल भ क भ गत न क अल व ), स ब धत वभ ग क म क तर पर नपट ए गए म मल, व ण यक अन ब ध, य य ध न म मल, ऐस म मल जह नण य ल न क लए अध य यक प त और अप ल य य ए नध रत क गई ह, आरट आई म मल, ध म क म मल स स ब धत न ह कस भ क र क स झ व क शक यत क प म नह म न ज एग (क) (ख) (ग) (घ) (ड.) (च) (छ) ल क शक यत नद श लय क क य क अ तग त आन व ल म लय / वभ ग / स गठन क स च र ल म लय (ज) स व ज नक क ब क ड क वभ ग (झ) स व ज नक क ब म क प नय ब एसएनएल और एमट एनएल स हत द रस च र वभ ग ( ) व त म लय क र य बचत क म द ल वक स धकरण, भ म और वक स क य लय, (ट) म और र जग र म लय क अ तग त कम च र स प ड य ड और स पद नद श लय स हत शहर वक स र य ब म नगम नय त ईएसआई अ पत ल म लय और औषध लय प लयम और क तक ग स म लय, इसक स व ज नक (ठ) कम च र भ व य न ध स गठन क उप म स हत (ड) वद श म लय क अ तग त य प सप ट भ रत य वम नप तन धकरण और एअर इ डय स हत धकरण न गर वम नन म लय (ढ) व य और प रव र क य ण म लय क अ तग त क य म य मक श ब ड, क य व य लय स गठन, क य सरक र व य य जन र य म त व य लय न स थ न, नव दय व य लय (ण) पय टन म लय स म त, क य व व व य लय सम व व व य लय (त) य वक क य म म लय (क य) और म नव स स धन वक स म लय क (थ) प त प रवहन, सड़क प रवहन और र जम ग छ व त क म म लय न ट : आप हम र व बस ईट पर अपन शक यत ऑनल इन दज कर सकत ह आप अपन शक यत, स प ण स चन और स गत द त व ज क स थ हम ड क/फ़ स य ईम ल व र भ ज सकत ह हमस यह स पक कर :- स चव, ल क शक यत नद श लय, द सर त ल, सरद र पट ल भवन, स सद म ग, नई द ल द रभ ष: , , फ़ स: xi

12 Government of India CABINET SECRETARIAT DIRECTORATE OF PUBLIC GRIEVANCES Unresolved Grievances Bothering You? You may seek help of Directorate of Public Grievances (DPG) in resolution of grievances relating to Ministries/Departments and Organisations under its purview. In last few years, nearly ninety percent of the grievances taken up by the Directorate have been resolved favourably. Please read carefully the conditions listed below before lodging your grievance: You should have exhausted the Departmental remedies for individual grievances. Your grievance should not relate to service matter (other than payment of terminal benefits like gratuity, GPF etc.), a case disposed of at the level of Minister of the concerned Department, commercial contract, a sub-judice case, a case where quasi-judicial procedures and appellate mechanisms are prescribed for decision making, RTI matter, Religious matter. Suggestion of any sort will not be treated as grievance. List of Ministries/Departments/Organizations under DPG's purview (a) Ministry of Railways (i) Public Sector Banks (b) Department of Posts (j) Public Sector Insurance Companies (c) Department of Telecommunications (k) National Saving Scheme of Ministry of Finance including BSNL and MTNL (d) Ministry of Urban Development including Delhi Development Authority, Land & Development Office, CPWD and (l) ESI hospitals and dispensaries directly controlled by Employees State Insurance Corporation under Ministry of Labour and Employment. Directorate of Estates (e) Ministry of Petroleum and Natural Gas (m) Employees' Provident Fund Organization including its Public Sector Undertakings (f) Ministry of Civil Aviation including Airports Authority of India and Air India (n) Regional Passport Authorities under Ministry of External Affairs (g) Ministry of Shipping, Road Transport and Highways (o) Central Government Health Scheme under Ministry of Health and Family Welfare (h) Ministry of Tourism (p) Central Board of Secondary Education, Kendriya Vidyalaya Sangathan, National Institute of Open Schooling, Navodaya Vidyalaya Samiti, Central Universities, Deemed Universities (Central) and Scholarship Schemes of Ministry of Human Resource Development. (q) Ministry of Youth Affairs Note: You can lodge your grievance online on our website You may also send your grievance to us by post or fax with complete information and relevant documents. Contact us at : The Secretary, Directorate of Public Grievances, 2 nd Floor, Sardar Patel Bhawan, Sansad Marg, New Delhi Tel: , , Fax , secypg@nicin Website: xii

13 Editorial Committee Chief Editor Shri Rabindra Kumar Das, Chief General Manager, SIDBI Editors Smt. Chitra Alai, General Manager, SIDBI Shri Rahul Priyadarshi, General Manager, SIDBI Dr. Subhranshu Sekhar Acharya, General Manager, SIDBI Disclaimer The views, news, comments, information, articles and opinions contained herein are mainly based on collation of different news/ views available from sources, such as, online, in person and printed resources both globally and nationally, and thereof are not necessarily the views of the Small Industries Development Bank of India (SIDBI). While every effort has been made to avoid any mistake or omission, SIDBI would not be, in any way, liable for the authenticity of data, views, opinions, comments, etc. and for any mistake / omission or commission in this publication or any nature, whatsoever. Permission to Reproduction No published article or part thereof should be reproduced in any form without prior permission of the author(s). We welcome your suggestions and feedback for enrichment of the magazine. The suggestions and feedback may be sent to msme@sidbi.in. In case you are not interested in receiving our e-magazine, kindly write back to us at msme@sidbi.in Toll free no xiii