REVISED GUIDELINES
FOR
IMPLEMENTATION
OF
sWAVALAMBANSCHEME
60VERNMENT OF TRIPUR,A·
DIRECTORATE OF INDUSTRIES &. COMMERCE
KHEJURBA6AN,A6ARTALA
NoVEMBER, 2018
REVISED GUIDELINES
FOR
IMPLEMENTATION
‘ 0E
SWAVALAMBAN SCHEME '
GOVERNMENT OF TRIPURA ‘
DIRECTORATE OF INDUSTRIES E COMMERCE
KHEJURBAGAN, AGARTALA
NoVEMBER, 201 8
NO.F.V-1(56)/DIISWA VALAMBAN/04/VOL-Il/'436'3- ~\O
GOVERNMENTOFT~PURA
DEP ARTMENT OF INDUSTRIES & COMMERCE
AGARTALA:TRlPURA
Dated, the Agartala, the .\9...th November, 2018.
NOTIFICATION
,
!
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i•!
Subject: Revised Guidelines for Implementation of Self-employment
Generation Programme under Swavalamban Scheme.
The Government of Tripura has approved the revised guidelines of
Swavalamban Scheme; a Credit Linked Self-employment Generation Programme
for the unemployed in the State. The revised guidelines of Self-employment
Generation Programme under Swavalamban Scheme are appended here with.
The revised guidelines shall be applicable for implementation of the
Swavalamban Scheme from the financial year 2019-20. ~u1
~~tC)
----1 OLlU \
(Pumima Das)
Deputy Secretary to the
Government of Tripura
To
All Concerned (Addressees as per the list in Annexure-I),
Copy to:
1. The P.S. to the Hon'ble Chief Minister fo.r kind information of the Hon'ble r:
Chief Minister, "Iripura.
2. The SA & JS. to the Chief Secretary, Trlpura for kind information of the
Chief Secretary.
3. The P.S. to .the Addl. Chief Secretary (Industries & Commerce), Govt. of
Tripura for kind information of the Addl. Chief Secretary.
4. The P.S.· to the Principal Secretary te the Hon'ble Chief Minister,
Government of Tripura for kind information.
5. The Manager, Government Press, Agartala - with a request to publish this
Notification in the next issue of Tripura Gazette for general information. 5
(five) copies of the Gazette may please be sent to the Director, Industries and
Commerce, Government of Tripura, Shllpa Udyog Bhavan, Khejurbagan,
Agartala, PIN-799006.
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NO.F.V—l(So)«Dl/SWAVALAMBANfiU-"l/VOL-ll/l436@~4\o
GOVERNMENT OF TRIPURA
DEPARTMENT OF INDUSTRIES & COMMERCE
AGARTALA:TRIPURA
Dated, the Agartala, the .\9...th November, 2018.
__N_O_T_I_F_I_C_A__T_I_O_N_
Subject: Revised Guidelines for Implementation of Self-employment
Generation Programme under Swavalamban Scheme.
The Government of Tripura has approved the revised guidelines of
Swavalamban Scheme; a Credit Linked Self-employment Generation Programme
for the unemployed in the State. The revised guidelines of Self-employment
Generation Programme under Swavalamban Scheme are appended here with.
The revised guidelines shall be applicable for implementation of the
Swavalamban Scheme from the financial year 2019-20.
9
U1
(Pumima has)
Deputy Secretary to the
Government of Tripura
To
All Concerned (Addressees as per the list in Annexure-I).
Copy to:
l. The P. S to the Hon’ ble Chief Minister for kind information of the Hon’ble 5
Chief Minister, Tripura.
2. The SA & JS. to the Chief Secretary, Tripura for kind information of the
Chief Secretary.
3. The PS. to the Addl. Chief Secretary (Industries & Commerce), Govt. of
Tripura for kind information of the Addl. Chief Secretary.
4. The P. S. to the Principal Secretary to the Hon’ble Chief Minister,
Government of Tripura for kind information.
5. The Manager, Government Press, Agartala - with a request to publish this
Notification in the next issue of Tripura Gazette for general information. 5
(five) copies of the Gazette may please be sent to the Director, Industries and
Commerce, Government of Tripura, Shilpa Udyog Bhavan, Khejurbagan,
Agartala, PIN-799006.
ANNE;X:URE
List of Addressees:
1. The DM & Collectors (All Districts)
2. The General Manager, District Industries Centre (All Districts).
3. The Member-Secretary, SoFED, Indranag~r, Agartala.
4. The Directors, RSETs/RUDSETIs
5. The Member-Convener, SLBC, % the CR11, UBI, Durgabari Road, Agartala.
6. The Lead District Manager (All Districts).
7. The Chief Regional Manager, UBI, Durgabari Road, Agartala.
8. The Regional Manager, SBI, Regional Office (Urban), Jagannathbari Road, Agartala
9.. The Regional Manager, SBI, Regional Office (Rural), Bijoy Kumar Chowmohani,
Agartala
10. The Chairman, Tripura Gramin Bank, Abhoynagar, Agartala.
11. The Managing Director, TSCB, H.G.B. Road, Agartala.
12. The ChiefMlUlager, UCO Bank, Kaman Chowmohani, Agartala.
13. The Cluster Manager, Bandhan Bank, P.O.Chowmohani, Agartala,
14. The Chlef Manager, Canara Bank, B.K.Road, Agartala,
15. The Branch Manager, Union Bank, HGB Road, Agartala,
16.. The Senior Manager, Central Bank of India, Central Road, Agartala.
17. The Senior Manager, Bank of Baroda, Central, Agartala.
18. The Branch Manager, Allahabad Bank, HOB Road, Agartala.
19. The Branch Manager, Punjab & Sind Bank, Central Road, Agartala.
20. The Ilranch Manager, Indian Bank, Amulya Market, Mantribari Road, Agartala.
21. The Branch Manager, Bank oflndia, B.K.Road, Agartala.
22. The Branch Manager, Indian Overseas Bank, Motor Stand Road, Agartala.
23. The I3ranch Manager, Vijoya Bank, M.G.Bazar, Central Road, Agartala,
24. The Branch Manager, Punjab National Bank, Mantribari Road, Agartala,
25. The Branch Manager, Syndicate Bank, Durgabari Road, Agartala,
26. The Branch Manager, Oriental Bank of Commerce, Durgabari Road, Agartala.
27. The Branch Manager, Axis Bank, Swasti Market, P.O. Chowmohani, Agartala.
28. The Branch Manager, ICICI Bank, HOB Road, Agartala.
29. The Branch Manager, IDBI Bank, Kaman Chowmohani, Agartala,
30.The Branch Manager, HDFC Bank, Netaji Chowmohani, Agartala.
31. The Branch Manager, Andhra Bank, Kashari Patti, Agartala,
32. The Branch Manager, Corporation Bank, Jackson Gate, Agartala.
33. The Branch Manager, Bank ofMaharashtra, Nagerjala, Agartala,
34. The Branch Manager, YES Bank, Netaji Chowmohani, Agartala.
35. The Branch Manager, Indusind Bank, R.M.S. Chowmohani, Agartala.
36. The Branch Manager, South Indian Bank, Amulya Market, Agartala.
37. The Branch Manager, Dena Bank, HOB Road, Agartala.
38. The branch Manager, Kodak Mahendra Bank, Agartala.
WE
List of Addressees:
The DM & Collectors (All Districts)
The General Manager, District Industries Centre (All Districts).
The Member-Secretary, SoFED, Indranagar, Agartala.
The Directors, RSETs/RUDSETIS '
The Member-Convener, SLBC, 0/0 the CRM, UBI, Durgabari Road, Agartala.
The Lead District Manager (All Districts).
The Chief Regional Manager, UB1, Durgabari Road, Agartala.
The Regional Manager, SBI, Regional Office (Urban), Jagannathbari Road, Agartala
The Regional Manager, SBI, Regional Office (Rural), Bijoy Kumar Chowmohani,
Agartala .
10. The Chairman, Tripura Gramin Bank, Abhoynagar, Agartala.
11. The Managing Director, TSCB, H.G.B. Road, Agartala.
12. The Chief Manager, UCO Bank, Kaman Chowmohani, Agartala.
13. The Cluster Manager, Bandhan Bank, P.0.Chowmohani, Agartala.
14. The Chief Manager, Canara Bank, B.K.Road, Agartala.
15. The Branch Manager, Union Bank, HGB Road, Agartala.
16. .The Senior Manager, Central Bank of India, Central Road, Agartala.
17. The Senior Manager, Bank of Baroda, Central, Agartala.
18. The Branch Manager, Allahabad Bank, HGB Road, Agartala.
19. The Branch Manager, Punjab & Sind Bank, Central Road, Agartala.
20. The Branch Manager, Indian Bank, Amulya Market, Mantribari Road, Agartala.
21. The Branch Manager, Bank of India, B.K.Road, Agartala.
22. The Branch Manager, Indian Overseas Bank, Motor Stand Road, Agartala.
23. The Branch Manager, Vijoya Bank, M.G.Bazar, Central Road, Agartala,
24. The Branch Manager, Punjab National Bank, Mantribari Road, Agartala.
25. The Branch Manager, Syndicate Bank, Durgabari Road, Agartal'a.
26, The Branch Manager, Oriental Bank of Commerce, Durgabari Road, Agartala.
27. The Branch Manager, Axis Bank, Swasti Market, P.O. Chowmohani, Agartala.
28. The Branch Manager, ICICI Bank, HGB Road, Agartala.
29. The Branch Manager, IDBI Bank, Kaman Chowmohanl, Agartala.
30. The Branch Manager, HDFC Bank, Netaji Chowmohani, Agartala.
31. The Branch Manager, Andhra Bank, Kashari Patti, Agartala.
32. The Branch Manager, Corporation Bank, Jackson Gate, Agartala.
33. The Branch Manager, Bank of Maharashtra, Nagerjala, Agartala.
34. The Branch Manager, YES Bank, Netaji Chowmohani, Agartala.
35. The Branch Manager, Indusind Bank, RM.S. Chowmohani, Agartala.
36. The Branch Manager, South Indian Bank, Amulya Market, Agartala.
37. The Branch Manager, Dena Bank, HGB Road, Agartala.
38. The branch Manager, Kodak Mahen’dra Bank, Agartala.
owuowewsvr‘
Swabalamban - A Programme for Creation of Self-Employment
Opportun ities
Revised Guidelines for Implementation
1. Introduction:
On account of the increasing shrinkage of the scopes of providing employment under
Government sector, it is essentially required to explore and finalize alternative source of
creating gainful employment opportunities for unemployed in the State outside the
Government sector. The State Government is firm and resolute in its endeavours to
encourage and promote self-employment activities in the state through arranging various
support systems. The Swabalamban Scheme operating in the State aims at providing
support to unemployed to set up their own enterprises through Bank credit linkages along
with entrepreneurs' capital centribution and Government subsidy. The Scheme has not
undergone any changes in its basic structures and approach, as framed, since many years
except revisions on the subsidy component so being done on certain occasions in the past.
Some of the Scheme provisions have since become impertinent to the present context.
Now, with the changes taken place in approaches, requirements and compulsions of
various stakeholders of the Scheme over the years, the Scheme demands in itself for an
overhauling so as to ensure better outreach of the Scheme benefits and achieve the
purpose and goal laid down under the Scheme in the right spirit. The State Government .
takes a focused and pragmatie approach to ensure improved and superior implementation
of the Swabalamban Scheme by revamping the present guidelines in keeping with the
changed perspectives.
2. Objective:
2.1 To create employment opportunities for unemployed outside the Government Sector
for their economic self-reliance through setting up of self-employment ventures and
developing entrepreneurship.
2.2 To assist entrepreneurs already involved in certain economic activities and whose
income are marginal and require up-gradation of their project.
2.3 To select entrepreneurs though professional approach while the aptitude, skills,
interest and commitments of the applicant and the required hand-holding supports
needed in view.
2.4 To prepare unemployed for employment by up-grading the professional/ technical
skills through imparting hands on training by the Government Agencies or other
Professionalln$titutions.
2.5 To provide linkages with Banks for arranging adequate institutional credit for
projects. Supplement the project financing initiative with further support ill the form
of Government subsidy tQreduce the credit burden of promoters.
2.6 To facilitate required support systems by coordinating with various Line
Departments! Agencies/ Autonomous Bodies
Swabalamban - A Programme for Creation of Self-Employment
Qnmrtu—Ifitiea
Revised Guidelines for Implementation
1. Introduction:
On account of the increasing shrinkage of the scopes of providing employment under
Government sector, it is essentially required to explore and finalize alternative source of
creating gainful employment opportunities for unemployed in the State outside the '
Government sector. The State Government is firm and resolute in its endeavours to
encourage and promote self-employment activities in the state through arranging various
support systems. The Swabalamban Scheme operating in the State aims at providing
support to unemployed to set up their own enterprises through Bank credit linkages along
with entrepreneurs’ capital contribution and Government subsidy. The Scheme has not
undergone any changes in its basic structures and approach, as framed, since many years
except revisions on the subsidy component so being done on certain occasions in the past.
Some of the Scheme provisions have since become impertinent to the present context.
Now, with the changes taken place in approaches, requirements and compulsions of
various stakeholders of the Scheme over the years, the Scheme demands in itself for an
overhauling so as to ensure better outreach of the Scheme benefits and achieve the
purpose and goal laid down under the Scheme in the right spirit. The State Government
takes a focused and pragmatic; approach to ensure improved and superior implementation
of the Swabalamban Scheme by revamping the present guidelines in keeping with the
changed perspectives.
2. Objective:
2.1 To create employment opportunities for unemployed outside the Government Sector
for their economic self-reliance through setting up of self-employment ventures and
developing entrepreneurship.
2.2 To assist entrepreneurs already involved in certain economic activities and whose
income are marginal and require up-gradation of their project.
2.3 To select entrepreneurs though professional approach while the aptitude, skills,
interest and commitments of the applicant and the required hand-holding supports
needed in view.
2.4 To prepare unemployed for employment by up-grading the professional] technical
skills through imparting hands on training by the Government Agencies or other
Professional Institutions.
2.5 To provide linkages with Banks for arranging adequate institutional credit for
projects. Supplement the project financing initiative with further support in the form
of Government subsidy to reduce the credit burden of promoters.
2.6 To facilitate required support systems by coordinating with various Line
Departments/ Agencies/ Autonomous Bodies
2.7 To provide continuous and sustainable employment and to ensure subsequent
contribution to the economic growth of the State.
3. Applicability of Scheme Guidelines:
The revised Scheme guidelines shall be applicable from the financial year 2019-20
and remain operative until substituted by another revised Scheme guidelines .
.4. Identification of Activities:
The potential activities for assisting under the Scheme shall preferably be selected as per
the job roles indicated in the Pradhan Mantri Kaushal Vikash Yojana (PMKVY) and
NSQF/ MES under National Skill Development Corporation. Broadly the Scheme shall
cover all activities other than the activities involved in direct agriculture (raising of
crops).
5. Target Allocation:
For identification of beneficiaries under the Scheme! preference will be given to
beneficiaries trained under different skill training prowanune, however no quota will be
fixed for such beneficiaries. If necessary, beneficiaries selected shall subsequently be
trained in the respective disciplines to increase their technical and enterprising skills and
aptitudes.
6. Quantum and Nature of Financial Assistance:
- ---
6.1 Subsidy/ Financial assistance:
Funds for subsidy shall be allocated through Annual Budget provision of the State
Government. Every year Budget Estimates (BE) shall be prepar d on the basis of
allocated target and the rate of subsidy admissible under the scheme. Money shall be
released as per BE for disbursing subsidy to the beneficiaries for setting up business
enterprises.
6.2 Training and Contingency Fund:
Out of the total BE for a particular financlal year against Swabalamban Scheme, an
amount equivalent to 5% of the BE shall be kept to meet the training (EDP and Skill)
and other contingency expenditures like publicity, awareness generation, physical
verifications! survey, bringing out of success stories and other residual expenditures.
7. Level of Funding/ Financial assistance:
7.1 Project Cost: The project cost admissible for finance under the programme shall not
exceed Rs. 1.00 Crore.
2.7 To provide c0ntinuous and sustainable employment and to ensure subsequent
contribution to the economic growth of the State.
3. Applicability of Scheme Guidelines:
The revised Scheme guidelines shall be applicable from the financial year 2019-20
and remain operative until substituted by another revised Scheme guidelines.
.4. Identification of Activities:
The potential activities for assisting under the Scheme shall preferably be selected as per
the job roles indicated in the Pradhan Mantri Kaushal Vikash Yojana (PMKVY) and
NSQF/ MES under National Skill Development Corporation. Broadly the Scheme shall
cover all activities other than the activities involved in direct agriculture (raising of
crops).
5. Target Allocation:
For identification of beneficiaries under the Scheme, preference will be given to
beneficiaries trained under different skill training programme, however no quota Will be
fixed for such beneficiaries. If necessary, beneficiaries selected shall subsequently be
trained in the respective disciplines to increase their technical and enterprising skills and
aptitudes.
6. Quantum and Nature of Financial Assistance:
6.1 Subsidv/ Financial assistance:
Funds for subsidy shall be allocated through Annual Budget provision of the State
Government. Every year Budget Estimates (BE) shall be prepared on the basis of
allocated target and the rate of subsidy admissible under the scheme. Money shall be
released as per BE for disbursing subsidy to the beneficiaries for setting up business
enterprises.
6.2 Tamm' ' g and Contingengy Fund:
Out of the total BE for a particular financial year against Swabalamban Scheme, an
amount equivalent to 5% of the BE shall be kept to meet the training (EDP and Skill)
and other contingency expenditures like publicity, awareness generation, physical
verifications/ survey, bringing out of success stories and other residual expenditures.
7. Level of Funding] Financial assistance:
7.1 Eject Cost: The project cost admissible for finance under the programme shall not
exceed Rs. 1.00 Crore.
7.2 Beneficiary's Contribution: The borrower shall have to contribute @ 5% of the
project cost at the minimum.
7.3 Subsidy/ Financial Assistance from the State Government: State Government shall
provide subsidy @ 30% of the project cost. For women entrepreneurs, subsidy shall
be paid @ 35% of project cost. Upper ceiling of subsidy shall be Rs. 1.00 lakh per
project.
8. Eligibility Conditions to Apply under the Programme:
8~1 Any individual within the age group of 18 to 50 years can apply for loan.
8.2 People from any income level shall be eligible for assistance to set up projects under
the programme.
8.3 Educational qualification is not a bar for availing of assistance under the Programme.
8.4 Projects promoted under Individual, Partnership category. SHG and Cooperative are
eligible for assistance under the programme.
9. Other Eligibility Conditions:
9.1 Project without capital expenditure is not eligible for financing under the Scheme.
9.2 Cost of the land shall be excluded from the project cost, Cost of the lease or rental
workshop can be included in the project subject to restricting such cost inclusion
calculated for a maximum period of 3 years.
9.3 Only one person from one family shall be eligible to be assisted under the
programme. For this purpose 'family' constitutes self and spouse.
10.Security and Margin Norms:
10.1 Beneficiaries selected for bank loan and Government subsidy under the
Swabalamban programme shall mandatorily have to contribute 5% of the project
cost as promoter' S contribution, .
10.2 Banks shall strictly follow the security norms and limit provided by Reserve Bank
of India from time to time in respect of granting collateral-free loan to MSE units
In case of loans exceeding the limit of sanction wlthout collaterals as per RBI
norms, Banks are advised to strongly ·encourage their branches to avail credit
guarantee scheme cover so as to finance collateral-free loans under the
programme,
11. Linking upl convergence with Government of India Schemes:
11.1 The scheme shall be linked up and implement in convergence with Mudra Loan
Scheme, Stand up India and Start up India programmes of the Government of
7.2 Beneficiarv’s Contribution: The borrower shall have to contribute @ 5% of the
project cost at the minimum. -
7.3 Subsidv/ Financial Assistance from the State Government : State Government shall
provide subsidy @ 30% of the project cost. For women entrepreneurs, subsidy shall
be paid @ 35% of project cost. Upper ceiling of subsidy shall be Rs. 1.00 lakh per
project.
8. Eligibility Conditions to Apply under the Programme:
8.1 Any individual within the age group of 18 to 50 years can apply for loan.
8.2 People from any income level shall be eligible for assistance to set up projects under
the programme.
8.3 Educational qualification is not a bar for availing of assistance under the Programme.
8.4 Projects promoted under Individual, Partnership category, SHG and Cooperative are
eligible for assistance under the programme.
9. Other Eligibility Conditions:
9.1 Project without capital expenditure is not eligible for financing under the Scheme.
9.2 Cost of the land shall be excluded from the project cost. Cost of the lease or rental
workshop can be included in the project subject to restricting such cost inclusion
calculated for a. maximum period of 3 years.
9.3 Only one person from one family shall be eligible to be assisted under the
programme. For this purpose ‘Earnily’ constitutes self and spouse.
10. Security and Margin Norms:
10.1 Beneficiaries selected for bank loan and Government subsidy under the
Swabalamban programme shall mandatorily have to contribute 5% of the project
cost as promoter’s contribution,
10.2 Banks shall strictly follow the security norms and limit provided by Reserve Bank
of India from time to time in respect of granting collateral-flee loan to MSE units.
In case of loans exceeding the limit of sanction without collaterals as per RBI
norms, Banks are advised to strongly encourage their branches to avail credit
guarantee scheme cover so as to finance collateral-flee loans under the
programme.
11. Linking up/ convergence with Government of India Schemes:
11.1 The scheme shall be linked up and implement in convergence with Mudra Loan
Scheme, Stand up India and Start up India programmes of the Government of
India (Gol). Convergence support, as available under the programmes of Gol, shall
be extended to beneficiaries under Swabalamban programme. This is subject to
satisfying the prevailing guidelines envisaged under these programmes by Gol. In
addition, project under Swabalamban Scheme shall also be entitled to receive
benefits automatically as and when the State Start up policy is launched.
11.2 The borrowers under Swabalamban Scheme shall be brought under the cover of
Government-backed life insurance and accidental benefit Schemes, namely,
Pradhan Mantri Jeevan Jyoti Bima Yojana and Pradhan Mantri Suraksha Bima
Yojana. Bringing the beneficiaries under the net of these Schemes shall ensure in
providing them better social security. The amount of premium charged for the
initial one year under these Schem s shall be borne by the Department of
Industries and Commerce.
12. ImplementingAgencies:
12.1 Department ot Industries· and COJI1@erce:The Department of Industries and
Commerce shall function as Nodal Agency for the Scheme in the State and
implement the programme through its District Offices (District Industries Centres)
or and other Offices! Agencies designated by it.
12.2 FinanciallJ:1stilUtions:Banks shall take a pivotal role in implementation and act as
one of the implementing agencies of the programme. All Public Sector Banks,
Regional Rural Banks, State Co.•operative Banks and Private Sector Schedule
Commercial Banks operating in the State shall participate in the programme.
Banks shall implement the programme through their Bank branches located across
the State.
12.3 Line Dep~m_ents; Line Departments shall be actively involved and extend best
possible help towards successful Implementation of the programme. The Nodal
Agency shall seek assistance fromLine Departments in the areas of project
preparation and guidance, project evaluation, backward and forward linkages
support etc. to ensure successful implementation of the Scheme.
12.4 Training ~gttncies: Training Agencies, as being involved by the Department of
Industries and Commerce for imparting training to prospective beneficiaries, shall
function as one of the major stakeholders of the programme. Professional/
Vocational Institutions, Ills and bonafide Training Institutes in Food Processing,
Bamboo and Rubber sectors can be involved by the Department on the basis of
certain credentials validation and approval.
13. ProcessFlow ofApplication:
13.1 Project proposals shall be invited at the State/ District levels through
advertisements in press, print and electronic media, publicity and awareness
campaigns, workshops etc. Apart from these, the Scheme shall be adequately
advertised! publicized through Panchayati Raj Institutions.
11.2
12.
12.1
12.2
12.3
12.4
13.
13.1
India (601). Convergence support, as available under the programmes of (301, shall
be extended to beneficiaries under Swabalamban programme. This is subject to
satisfying the prevailing guidelines envisaged under these programmes by GoI. In
addition, project under Swabalamban Scheme shall also be entitled to receive
benefits automatically as and when the State Start up policy is launched.
The borrowers under Swabalamban Scheme shall be brought under the cover of
Government-backed life insurance and accidental benefit Schemes, namely,
Pradhan Mantri Jeevan Jyoti Bima Yojana and Pradhan Mantri Suraksha Bima
Yojana. Bringing the beneficiaries under the net of these Schemes shall ensure in
providing them better social security. The amount of premium charged for the
initial one year under these Schemes shall be borne by the Department of
Industries and Commerce.
Implementing Agencies:
Department of Industries and Cgmmerce: The Department of Industries and
Commerce shall function as Nodal Agency for the Scheme in the State and
implement the programme through its District Offices (District Industries Centres)
or and other Ofiices/ Agencies designated by it.
Financial Institutions: Banks shall take a pivotal role 1n implementation and act as
one of the implementing agencies of the programme. All Public Sector Banks,
Regional Rural Banks, State Co-operativc Banks and Private Sector Schedule
Commercial Banks operating in the State shall participate in the programme.
Banks shall implement the programme through their Bank branches located across
the State.
Line Departments, Line Departments shall be actively involved and extend best
possible help towards successful implementation of the programme. The Nodal
Agency shall seek assistance from Line Departments in the areas of project
preparation and guidance, project evaluation, backward and forward linkages
support etc. to ensure successful implementation of the Scheme.
Training Agencies: Training Agencies, as being involved by the Department of
Industries and Commerce for imparting training to prospective beneficiaries, shall
function as one of the major stakeholders of the programme. Professional/
Vocational Institutions, H13 and bonafide Training Institutes in Food Processing,
Bamboo and Rubber sectors can be involved by the Department on the basis of
certain credentials validation and approval.
Process Flow of Application:
Project proposals shall be invited at the State/ District levels through
advertisements in press, print and electronic media, publicity and awareness
campaigns, workshops etc. Apart from these, the Scheme shall be adequately
advertised/ publicized through Panchayati Raj Institutions.
13.2 A dedicated Swabalamban E-Portal shall be launched for the benefit of applicants.
The web portal shall facilitate applicants to submit applications and track the
status of applications at various stages of implementation. Online application shall
be mandatory for applicant from the year 2019-20. No manual application shall be
entertained from the year 2019-20.
13.3 Applicants will be provided with user ID and password at the time of initial
registration for application filing. The applicant can track the status of their
application through the ID and password received. On final submission of
application, an application ID will be provided to the applicant.
13.4 There will be link in the application form which will enable the applicants to
prepare their own project report based on a template provided. But, preparation of
own project report online is not mandatory An applicant has also the liberty to
upload a prepared project report .
13.5 The documents which are required to upload with application are : 1) Aadhaar
card 2) PAN Card 3) Age Proof certificate 4) Project Report (if not prepared as per
template provided in E-portal)
14.Identification of Beneficiaries/ Selection Process:
14.1 District Level Implementation Committee (DLIC) headed by the District
Magistrate and Collector shall be responsible for identification and selection of
beneficiaries in Districts. Office of the General Manager, District Industries Centre
(DIe) in the District shall act as Secretariat of the DLIC.
14.2 Primary scrutiny of applications shall be done by DICs. Thereafter, the
applications which qualify for further screening through the process of interview
shall be made ready by DIes for placing before DLIC meeting. Each and every
applicant shall be interviewed by the DLIC to interact on project parameters and
assess skills, aptitudes and interests of the individual beneficiary to determine
prima-facie viability of the loan project.
14.3 The Department of Industries and Commerce shall suitably devise a methodology
, of selection and design a score card with Sf 6 basic parameters for appraisal and
selection of projects. The selection shall be done on the basis of score card devised
by the Department.
14.4 Applications which do not conform to the Scheme guidelines or which are
incomplete in respect of requisite Information and documents shall be rejected.
14.5 Applications which qualify for selection through the process interactions/
interviews shall be forwarded to Banks. Bank selection for a particular project
shall be done in keeping with the Service Area Approach guidelines of Banks.
14.6 Bank at the time pre-lending survey of loans, shall invite DIC representative to
participate.
i
13.2
13.3
13.4
13.5
A dedicated Swabalamban E-Portal shall be launched for the benefit of applicants.
The web portal shall facilitate applicants to submit applications and track the
status of applications at various stages of implementation. Online application shall
be mandatory for applicant from the year 2019-20. No manual application shall be
entertained from the year 2019-20.
Applicants will be provided with user ID and password at the time of initial
registration for application filing. The applicant can track the status of their
application through the ID and password received. On final submission of
application, an application ID will be provided to the applicant.
There will be link in the application form which will enable the applicants to
prepare their own project report based on a template provided. But, preparation of
own project report online is not mandatory. An applicant has also the liberty to
upload a prepared project report .
The documents which are required to upload with application are : 1) Aadhaar
card 2) PAN Card 3) Age Proof certificate 4) Project Report (if not prepared as per
template provided in E-portal)
l4.Identification ofBeneficiaries/ Selection Process:
14.1
14.2
14.3
14.4
14.5
14.6
District Level Implementation Committee (DLIC) headed by the District
Magistrate and Collector shall be responsible for identification and selection of
beneficiaries in Districts. Office of the General Manager, District Industries Centre
(DIC) in the District shall act as Secretariat of the DLIC.
Primary scrutiny of applications shall be done by DICs. Thereafter, the
applications which qualify for further screening through the process of interview
shall be made ready by DICs for placing before DLIC meeting. Each and every
applicant shall be interviewed by the DLIC to interact on project parameters and
assess skills, aptitudes and interests of the individual beneficiary to determine
prima-facie viability of the loan project.
The Department of Industries and Commerce shall suitably devise a methodology
' of selection and design a score card with 5/ 6 basic parameters for appraisal and
selection of projects. The selection shall be done on the basis of score card devised
by the Department.
Applications which do not conform to the Scheme guidelines or which are
incomplete in respect of requisite information and documents shall be rejected.
Applications which qualify for selection through the process interactions/
interviews shall be forwarded to Banks. Bank selection for a particular project
shall be done in keeping with the Service Area Approach guidelines of Banks.
Bank at the time pre-lending survey of loans, shall invite DIC representative to
participate.
14.7 Sponsoring of loan proposals to banks shall be at least 150% of the target
allocated.
15. Joint Liability Group:
15.1 Banks shall attempt to formulate a Joint Liability Group while keeping in view of
the locational proximity of the beneficiaries. The formation of such groups may
not necessarily be in the nature of a formal entity. A group shall comprise of
atleast 3 members.
15.2 Each member of the group shall be treated as an independent entity in the matter
of project implementation except in the case of loan repayment. In the matter of
loan repayment each members shall be jointly and severally liable to repay loan
and in case any member defaults in repayment of loan in that situation the entire
group shall be adjudged as loan defaulter and every member of the defaulted group
shall be subjected to lawful actions, as applicable to a defaulter of bank loan.
16.Training:
16.1 A mandatory training on Entrepreneurship Development Programme (EDP) for 7
days duration shall be given to all loan seekers whose projects have been
sanctioned by Banks. The objective of EDP training is to provide orientation and
awareness on various' managerial and operational functions like finance,
production, marketing, enterprise management, banking formalities, bookkeeping
etc. The Training shall be provided through accredited training centres run by
State! Central Government, Banks and other Autonomous Goverrunent Agencies,
Department of Industries and Commerc shall have the sole discretion in respect
of selecting Agencies for training. However, the beneficiaries who have undergone
EDP training for a duration of not less than 10 days from a Government
recognized institute/ agency shall be exempted from undergoing fresh EDP.
16.2 Specific skill based training shall also be provided to beneficiaries who need to
enhance their technical and enterprising skills and aptitudes for effective running
of business. Such training shall be arranged specifically for beneficiaries applied
under the open application category.
17.Bank Finance:
17.1 Banks shall sanction 95% of the project cost and a sanction letter to this effect
shall be issued to the borrowers. Borrowers- on receipt of sanction letter shall
complete the credit formalities with Banks for receiving bank loans. Banks shall
disburse full amount of loans for setting up of projects.
17.2 Bank shall finance capital expenditure in the form of Term Loan and working
capital in the form of cash credit. Project can also be financed in the form of
composite loan consisting of capital expenditure and working capital.
14.7
Sponsoring of loan proposals to banks shall be at least 150% of the target
allocated.
15. Joint Liability Group:
15.1
15.2
Banks shall attempt to formulate a Joint Liability Group while keeping in view of
the locational proximity of the beneficiaries. The formation of such groups may
not necessarily be in the nature of a formal entity. A group shall comprise of
atleast 3 members.
Each member of the group shall be treated as an independent entity in the matter
of project implementation except in the case of loan repayment. In the matter of
loan repayment each members shall be jointly and severally liable to repay loan
and in case any member defaults in repayment of loan in that situation the entire
group shall be adjudged as loan defaulter and every member of the defaulted group
shall be subjected to lawful actions, as applicable to a defaulter of bank loan.
16. Training:
16.1
16.2
A mandatory training on Entrepreneurship Development Programme (EDP) for 7
days duration shall be given to all loan seekers whose projects have been
sanctioned by Banks. The objective of EDP training is to provide orientation and
awareness on various‘ managerial and operational functions like finance,
production, marketing, enterprise management, banking formalities, bookkeeping
etc. The Training shall be provided through accredited training centres run by
State] Central Government, Banks and other Autonomous Government Agencies.
Department of Industries and Commerce shall have the sole discretion in respect
of selecting Agencies for training. However, the beneficiaries who have undergone
EDP training for a duration of not less than 10 days from a Government
recognized institute/ agency shall be exempted from undergoing fresh EDP.
Specific skill based training shall also be provided to beneficiaries who need to
enhance their technical and enterprising skills and aptitudes for effective running
of business. Such training shall be arranged specifically for beneficiaries applied
under the open application category.
17. Bank Finance:
17.1
17.2
Banks shall sanction 95% of the project cost and a sanction letter to this effect
shall be issued to the borrowers. Borrowers on receipt of sanction letter shall '
complete the credit formalities with Banks for receiving bank loans. Banks shall
disburse full amount of loans for setting up of projects.
Bank shall finance capital expenditure in the form of Term Loan and working
capital in the form of cash credit. Project can also be financed in the form of
composite loan consisting of capital expenditure and working capital.
17.3 Banks shall charge interest on loan as per rates fixed by RBI! Participating Bank
and which are applicable to agriculture and allied activities, non- farm based loans
and transport loans under priority sector.
18. Time-line for Implementation:
18.1 The process of invitation of application under the programme shall be completed
by 30th June of a particular programme year.
18.2 District Level Selection Committee shall appraise the project, finalize selection of
projects and complete sponsoring ofprojects to banks within 45 days from the date
of receipt of applications.
18.3 Banks shall dispose of the loan proposals within 30 days from the date of receipt
of the same from DICs.
18,4 Training Agencies shall impart training within 15 days from the date of sanction of
cases.
18.~ Bank shall disburse 1st phase of loan within 10 days of completion of training by .
the beneficiarie .
18.6 Entire loan amount shall be disbursed to beneficiaries by Banks within 30t!}June of
the next financial year.
All implementing agencies shall strictly adhere to the time schedule indicated above to
ensure hassle-free loans to borrowers. This will also ensure avoidance of bunching of
application at the fag end of a programme year and thus facilitate banks to minimize bad
fin-ancingcaused due to hurried approach,
19,Procedures for disbursement of Subsidy:
19.1 Operation of Nodal Bank.t\ccounts:
19!1.1 The overall responsibility fot' handling the work of subsidy release/
disbursement shall be with the Society for Entrepreneurship development
(SoFED) under Directorate of Industries and Commerce. Funds for subsidy, as
allocated under the Budget, shall be drawn by Directorate of Industries and
Commerce and placed with SoFED.
19.1.2 On receipt of funds, $oFED shall keep the fund in Term Deposit Receipt
Account! Flexible interest rate bearing accounts with Bank. Financial
management of the fund shall be done by SoFED in such way that it does
ensure maximum pesslble earning of interest on the funds. Interest earned in
the Bank Account shall be utilized for payment of subsidy only. SoFED shall
be paid a service charge for handling funds as per the rate decided! finalized by
the Department of Industries and Commerce.
17.3 Banks shall charge interest on loan as per rates fixed by RBI/ Participating Bank
and which are applicable to agriculture and allied activities, non- farm based loans
and transport loans under priority sector.
18. Time-line for Implementation:
18.1 The process of invitation of application under the programme shall be completed
by 30‘h June of a particular programme year.
18.2 District Level Selection Committee shall appraise the project, finalize selection of
projects and complete sponsoring of projects to banks within 45 days from the date
of receipt of applications.
18.3 Banks shall dispose of the loan proposals within 30 days from the date of receipt
of the same fi'om DICs.
18,4 Training Agencies shall impart training within 15 days from the date of sanction of
cases.
18.5 Bank shall disburse 1St phase of loan within 10 days of completion of training by _
the beneficiaries.
18,6 Entire loan amount shall be disbursed to beneficiaries by Banks within 30‘“ June of
the next financial year.
All implementing agencies shall strictly adhere to the time schedule indicated above to
ensure hassle-free loans to borrOWers. This will also ensure avoidance of bunehing of
application at the fag end of a programme year and thus facilitate banks to minimize bad
financing caused due to hurried approach.
19. Procedures for disbursement of Subsidy:
19.1 Qperation of Hodal Bank Accounts:
19.1.1 The overall responsibility for handling the work of subsidy release/
disbursement shall be with the Society for Entrepreneurship development
(SoFED) under Directorate of Industries and Commerce. Funds for subsidy, as
allocated under the Budget, shall be drawn by Directorate of Industries and
Commerce and placed with SoFED.
19,1.2 On receipt of funds, SoFED shall keep the fund in Term Deposit Receipt
Account/ Flexible interest rate bearing accounts with Bank. Financial
management of the fluid shall be done by SoFED in such way that it does
ensure maximum possible earning of interest on the funds. Interest earned in
the Bank Account shall be utilized for payment of subsidy only. SoFED shall
be paid a service charge for handling funds as per the rate decided/ finalized by
the Department of Industries and Commerce.
19.1.3 Nodal Bank accounts are presently savings bank accounts and non-operative in
nature i.e., without cheque facility. Nodal Bank Accounts are currently
operated with SBI, UBI, TOB and TSCB. Interest earning rate through these
accounts is too low. Therefore, in order earn better rate of interest, SoFED
shall convert these bank accounts to flexible rate of interest account (which is
in the nature of term deposit receipt account but can be operated with the
facilities of savings bank account)). This will definitely increase the earnings
of interest through these accounts. Interest accrued in these bank accounts shall
be used for payment of subsidy only.
19.1.4 SoFED shall transfer funds to Nodal Bank Accounts from time to time on the
basis of requisition of funds received from the Nodalbanks. The Nodal Banks
shall give details of fund requirements in writings indicating a declaration of
utilizing earlier funds placed, justification for present fund requirements
mentioning the number of subsidy claims received etc. A proforma for
submission requisition for funds shall be suitably devised by the Directorate of
Industries and Commerce. SoFED can make internal adjustments of fund by
transferring funds from one Nodal Bank to another keeping in view of the
position of availability of unused fund as well as the pending subsidy claims.
The same will be done by advising the concerned Bank branches through a
letter (popularly known as 'Letter of Transaction')
19.2 Procedures for Claiming Subsidy by Financing Banks:
::- --
19.2.1 After release of first phase of loan instalment to borrower, the financing Bank
shall submit the subsidy claim proposals to Nodal B'lIlk branch in Prescribed
Proforma along with requisite documents. Prescribed Proforma of application
is enclosed in Annexure-A. The amount of first inst~J~!!1entof loan shall be not
less than the amount of subsidy claimed against a Qarticular loan proposal.
SBI, ujI~ TOB and TSCB bank branches shall submit claim-proposals to their
respective nodal banks. Other banks participating in the programme shall
submit subsidy claim proposals to SBI Nodal Bank Branch only.
19.2.2 The documents required to attach with the Subsidy claim proposals are : 1)
Bank Sanction Letter 2) Certified copy of Loan Ledger Extract indicating
details of loan disbursed ,3) A declaration by the borrower stating that the first
instalment against the loan sanctioned has been reeeived by him as per
proforma attached with the application form for claiming subsidy.
19.2.3 The subsidy claim proposals shall be submitted by the financing bank within 7
days from the date of releasing first instalment ef loans to borrower. An
intimation regarding submission of subsidy proposals to NocUUBanks shall
have to be given to concerned DIe.
19.3 Procedures for release of Subsidy:
19.3.1 On receipt of subsidy claim proposal, the Nodal Bank shall scrutinize the
documents to ascertain whether the requisite documents are attached with the
19.1.3 Nodal Bank accounts are presently savings bank accounts and non-operative in
nature i.e., without cheque facility. Nodal Bank Accounts are currently
operated with SBI, UB1, TGB and TSCB. Interest earning rate through these
accounts is too low. Therefore, in order earn better rate of interest, SoFED
shall convert these bank accounts to flexible rate of interest account (which is
in the nature of term deposit receipt account but can be operated with the
facilities of savings bank account)). This will definitely increase the earnings
of interest through these accounts. Interest accrued in these bank accounts shall
be used for payment of subsidy only.
19.1.4 SoFED shall transfer funds to Nodal Bank Accounts from time to time on the
basis of requisition of funds received from the Nodal banks. The Nodal Banks
shall give details of fund requirements in writings indicating a declaration of
utilizing earlier funds placed, justification for present fund requirements
mentioning the number of subsidy claims received etc. A proforma for
submission requisition for funds shall be suitably devised by the Directorate of
Industries and Commerce. SoFED can make internal adjustments of fund by
transferring funds fi'om one Nodal Bank to another keeping in view of the
position of availability of unused fund as well as the pending subsidy claims.
The same will be done by advising the concerned Bank branches through a .
letter (popularly known as ‘Letter of Transaction’)
19.2 Procedures for Claiming Subsidy by Financing Banks:
19.2.1 Alter release of fast phase of loan instalment to borrower, the financing Bank
shall submit the subsidy claim proposals to Nodal Bank branch in Prescribed
Proforma along with requisite documents. Prescribed Proforma of application
is enclosed 1n Annexure-A. The amount of first instalment of loan shall be not
less than the amount of subsidy claimed against a particular loan proposal.
SBI, U31 TGB and TSCB bank branches shall submit claim proposals to their
respective nodal banks. Other banks participating in the programme shall
submit subsidy claim proposals to SBI Nodal Bank Branch only.
19.2.2 The documents required to attach with the Subsidy claim proposals are : 1)
Bank Sanction Letter 2) Certified copy of Loan Ledger Extract indicating
details of loan disbursed - 3) A declaration by the borrower stating that the first
instalment against the loan sanctioned has been received by him as per
proforma attached with the application form for claiming subsidy.
_.l9 2. 3 The subsidy claim proposals shall be submitted by the financing bank within 7
days fiem the date of releasing first instalment of loans to borrower. An
intimation regarding submission of subsidy proposals to Nodal Banks shall
have to be given to concerned DIC.
19.3 Procedures” {gr release of Subsidy:
19.3.1 On receipt of subsidy claim proposal, the Nodal Bank shall scrutinize the
documents to ascertain whether the requisite documents are attached with the
claim proposal. The Nodal bank shall also satisfy itself whether the amount of
first instalment of loan released is not less than the subsidy amount claimed
against a particular loan proposal. The Nodal bank shall further satisfy itself
whether loan instalment has actually been received by the borrower as would
be evident from the declaration to this effect given in the application form. If
the proposal is found otherwise in order by the Nodal Bank then the admissible
subsidy shall be released within 7 days from the date of receipt of the claim
proposal. In case of incomplete proposal, the same shall be referred back to the
financing bank for rectification.
19.3.2 Once the subsidy is received by financing bank branch, the entire amount shall
be kept in the Term Deposit Receipt (TDR) Account in favour of the borrower.
The amount shall be kept in TOR till the time the entire loan amount is repaid
by the borrower. The borrower shall not be entitled to receive subsidy in case
of becoming a loan defaulter and unable to repay loan within loan repayment
schedule fixed by bank, Bank shall not pay any interest on TDR and no interest
shall be charged on lean disbursed to the corresponding amount.
19.3.3 The Nodal banks shall submit month-wise detailed report of subsidy released
indicating name and address of the borrowers, bank. names, name of activity
sanctioned amount? amount of first instalment released, subsidy amount
disbursed etc. to SoFEP. A proforma for submission of report is enclosed in
Annexure-B. The Nodal Banks shall also send the subsidy claim proposals to
SoFED after disbursement of subsidy.
19.3.4 SoFED shall scrutinizQ each and every proposal to ensure that whether the
subsidy has been released by the Nodal Banks as per the laid down guidelines.
In case of discrepancy, SoFED shall bring the irregularities, if any, to the
notice of the Directorate of Industries and Commerce. D.irectorate shall verify
the irregularities at their level in order to plugging off the misuse of money.
Directorate may initlatcepenal measures against the erring bank.
20. Organlzational Set-up:
20.1 State Level:
20.1.1 There shall be a State Level Steering Committee for Swabalamban under the
Chairmanship of Chief Minister, Tripura for providing policy guidance and
monitoring the prQwmnme. The Committee shall include other Ministers,
public representatives and selected officials from Government and Financial
Institutions. The ~tate Government shall notify the constitution of the
Committee separately.
20.1.2 The terms of reference of the State-level Steering Committee shall be as under:
i. Providing overall guidanee to the Executive Body for implementation of the
programme.
ii. Providing policy parameters, principles and requirements under the programme.
-- -----------------------------------------
claim proposal. The Nodal bank shall also satisfy itself whether the amount of
first instalment of loan released is not less than the subsidy amount claimed
against a particular loan proposal. The Nodal bank shall further satisfy itself
whether loan instalment has actually been received by the borrower as would
be evident from the declaration to this effect given in the application form. If
the proposal is found otherwise in order by the Nodal Bank then the admissible
subsidy shall be released within 7 days from the date of receipt of the claim
proposal. In case of incomplete proposal, the same shall be referred back to the
financing bank for rectification.
19.3.2 Once the subsidy is received by financing bank branch, the entire amount shall
be kept in the Term Deposit Receipt (TDR) Account in favour of the borrower.
The amount shall be kept in TDR till the time the entire loan amdunt is repaid
by the borrower. The borrower shall not be entitled to receive subsidy in case
of becoming a loan defaulter and unable to repay loan within loan repayment
schedule fixed by bank. Bank shall not pay any interest on TDR and no interest
shall be charged on lean disbursed to the corresponding amount.
19.3.3 The Nodal banks shall submit month-wise detailed report of subsidy released
indicating name and address of the borrowers, bank names, name of activity
sanctioned amount, amount of first instalment released, subsidy amount
disbursed etc. to 8931313. A proforma for submission of report is enclosed in
Annexure-B. The Nodal Banks shall also send the subsidy claim proposals to
SoFED after disbursement of subsidy.
19.3.4 SoFED shall scrutinize each and every proposal to ensure that whether the
subsidy has been released by the Nodal Banks as per the laid down guidelines.
In case of discrepancy, SoFED shall bring the irregularities, if any, to the
notice of the Directorate of Industries and Commerce. Directorate shall verify
the irregularities at their level in order to plugging off the misuse of money.
Directorate may inillate penal measures against the erring bank.
20. Organizational Set-up:
20.1 State Level:
20.1.1 There shall be a State Level Steering Committee for Swabalamban under the
Chairmanship of Chief Minister, Tripura for providing policy guidance and
monitoring the programme. The Committee shall include other Ministers,
public representatives and selected ofiicials fi'om Government and Financial
Institutions. The State Government shall notify the constitution of the
Committee separately. '
20.1.2 The terms of reference of the State-level Steering Committee shall be as under:
i. Providing overall guidance to the Executive Body for implementation of the
programme.
ii. Providing policy parameters, principles and requirements under the programme.
111. Overall monitoring of progress/ achievements and review of the programme
20.1.3 There shall be an Executive Body at the State Level for Swabalamban headed
by the Chief Secretary of the State for providing guidance in planning,
identification of potential opportunities and monitoring and evaluation of the
programme. Other Members of the Committee shall be the Secretary-in-
Charge of certain identified Departments (associated to the process of
programme implementation) and Bank Authorities at the State Level. The
State Govenunent shall notify the constitution of the Committee separately.
20.1.4 The terms of reference of the State Level committee shall be as under:
i. Provide guidance in planning for the programme. The committee will assess the
appropriate measures required for implementation keeping in view of the ongoing
changes on various important parameters and indicators of the programme
implementation.
ii. The Committee shall monitor and review the implementation of the programme
with reference to the objectives of the programme and be responsible for overall
implementation.
iii, The Committee provide leadership and guidance and shall resolve implementation
issues at all levels.
lv. The Committee shall look into the issues of inter-departmental co-ordination for
effective implementation of the programme.
v. The Committee shall provide interpretation, clarifications in case of any doubt of
the guidelines of the programme.
vi. The Committee shall revisit the policy document of the Swabalamban progranune
from time to time and suggest to revise the same as per the changed needs of
various stakeholders of the programme.
vii. The Committee shall sit once in a quarter or as and when required basis.
20.2 District Level:,
20.2.1 At the Districts there shall be a District Level Monitoring Committee under the
. Chairmanship of the Sabhadhipati of the Zilla Parishad and shall include other
public representative, as identified. It shall also include District Magistrate and
Collector and identified officials from the State Government and Banks.
20.2.2 The terms of reference of the Committee shall be as under:
i. Providing overall guidance to the District Level Implementation Committee.
iii.
ii.
iii.
iv.
vi.
vii.
20.2
Overall monitoring of progress/ achievements and review of the programme
20.1.3 There shall be an Executive Body at the State Level for Swabalamban headed
by the Chief Secretary of the State for providing guidance in planning,
identification of potential opportunities and monitoring and evaluation of the
programme. Other Members of the Committee shall be the Secretary-in-
Charge of certain identified Departments (associated to the process of
programme implementation) and Bank Authorities at the State Level. The
State Government shall notify the constitution of the Committee separately.
20.1.4 The terms of reference of the State Level committee shall be as under:
Provide guidance in planning for the programme. The committee will assess the
appropriate measures required for implementation keeping in view of the ongoing
changes on various important parameters and indicators of the programme
implementation. '
The Committee shall monitor and review the implementation of the programme
with reference to the objectives of the programme and be responsible for overall
implementation.
The Committee provide leadership and guidance and shall resolve implementation
issues at all levels.
The Committee shall look into the issues of inter-departmental co-ordination for
effective implementation of the programme.
The Committee shall provide interpretation, clarifications in case of any doubt of
the guidelines of the programme.
The Committee shall revisit the policy document of the Swabalamban programme
fiom time to time and suggest to revise the same as per the changed needs of
various stakeholders of the programme.
The Committee shall sit once in a quarter or as and when required basis.
QismflLLek
20.2.1 At the Districts there shall be a District Level Monitoring Committee under the
Chairmanship of the Sabhadhipati of the Zilla Parishad and shall include other
public representative, as identified. It shall also include District Magistrate and
Collector and identified officials from the State Government and Banks.
20.2.2 The terms of reference of the Committee shall be as under:
i.
Providing overall guidance to the District Level Implementation Committee.
10
11. Arranging for dissemination of information for creation of awareness III the
Districts.
111. Monitoring the progress/ achievements under the scheme through periodical
review.
IV. Providing policy inputs to the State Level Swabalamban Steering Committee .
. 20.2.3 At the District Level there shall be a DistrictLevel Implementation Committee
headed by the District Magistrate and Collector including other District Level
Officers of the State Government and Banks, as may be identified. The
General Manager, DIC shall function as Member-Secretary of the Committee.
The State Government shall notify the constitution of the Committee
separately.
20.2.4 The terms of reference of the Committee shall be as under:
i. To monitor and review the selection process of beneficiaries being done by the
District Level Selection Committee from time to time.
ii. Monitoring the progress of training, skill up-gradation and implementation of
the Scheme at the District Level.
iii. Periodical review of the progress with the banks and other stakeholders.
iv. The Committee shall look into to ensure inter-department co-ordination at the
District Level for better implementation of the Scheme.
v. Providing inputs to State Level Committee and suggest ideas and give
proposals for better implementation of the Scheme.
20.3 Sub-Division Level:
20.3.1 At the Sub-Division Level, a Committee shall be there to monitor and review
the progress. The Committee shall be headed by Sub-Divisional Magistrate.
Block Development Officers and representative from concemed DIe, officers
from line departments and Banks shall be identified to include as Members.
Notification in respect of exact composition of the Committee shall be issued
by the Department of Industries and Commerce separately.
20.3.2 The terms of reference of the committee shall be as under:
i. The Committee shall monitor and review the implementation of the
programme at the Sub-Divisional Level.
ii. The Committee shall take note of the difficulties, if any, being faced at the
ground level and take attempt to resolve the issues. In case the issues can not
ii. Arranging for dissemination of information for creation of awareness in the
Districts.
iii. Monitoring the progress/ achievements under the scheme through periodical
review.
iv. Providing policy inputs to the State Level Swabalarnban Steering Committee.
. 20.2.3 At the District Level there shall be a DistrictLevel Implementation Committee
headed by the District Magistrate and Collector including other District Level
Officers of the State Government and Banks, as may be identified. The
General Manager, DIC shall function as Member-Secretary of the Committee.
The State Government shall notify the constitution of the Committee
separately.
20.2.4 The terms of reference of the Committee shall be as under:
i.
ii.
iii.
iv.
To monitor and review the selection process of beneficiaries being done by the
District Level Selection Committee from time to time.
Monitoring the progress of training, skill up-gradation and implementation of
the Scheme at the District Level.
Periodical review of the progress with the banks and other stakeholders.
The Committee shall look into to ensure inter-department co-ordination at the
District Level for better implementation of the Scheme.
Providing inputs to State Level Committee and suggest ideas and give
proposals for better implementation of the Scheme.
20.3 Sub-Division Level:
20.3.1 At the Sub-Division Level, a Committee shall be there to monitor and review
the progress. The Committee shall be headed by Sub-Divisional Magistrate.
Block Development Officers and representative from concerned DIG, officers
from line departments and Banks shall be identified to include as Members.
Notification in reSpect of exact composition of the Committee shall be issued
by the Department of Industries and Commerce separately.
20.3.2 The terms of reference of the committee shall be as under:
i.
ii.
The Committee shall monitor and review the implementation of the
programme at the Sub-Divisional Level.
The Committee shall take note of the difficulties, if any, being faced at the
ground level and take attempt to resolve the issues. In case the issues can not
11
be settled at their level then the matters shall be referred to the District Level
Implementation Committee.
111. The Committee can suggest modifications on the guidelines from time to time
for better implementation of the programme at the grass-root level
IV. The Committee shall sit once in every month or as and when required basis.
21. Power to amend and repeal of provisions:
21.1 Notwithstanding anything contained in any of the provisions here-in-above, the
State Government shall have the power to amend or repeal any or all the
provisions of the Scheme guidelines, as deem necessary during the course of
implementation of the Scheme.
21.2 The State Government shall also have the power to issue instructions to facilitate
implementation of the Scheme as per the guidelines and to provide clarifications in
regards to interpretation of the various provisions of the Scheme guidelines.
be settled at their level then the matters shall be referred to the District Level
Implementation Committee.
iii. The Committee can suggest modifications on the guidelines from time to time
for better implementation of the programme at the grass-root level
iv. The Committee shall sit once in every month or as and when required basis.
21. Power to amend and repeal of provisions:
21.1 Notwithstanding anything contained in any of the provisions here—in-above, the
State Government shall have the power to amend or repeal any or all the
provisions of the Scheme guidelines, as deem necessary during the course of
implementation of the Scheme.
21.2 The State Government shall also have the power to issue instructions to facilitate
implementation of the Scheme as per the guidelines and to provide clarifications in
regards to interpretation of the various provisions of the Scheme guidelines.
12
Annexure-A
Application Form for Claiming Subsidy by Bank under Swabalamban
Programme
l. Name of the Borrower
2. Father's/ Husband's Name
3. Full Address of the Borrower
-4. Location of the enterprise '.
5. Name of the PIC sponsoring the Loan
~ -
Proposal
6.- Name of the Financing Bank - <
7. Amount of Loan Sanctioned and date
of Sanction
-
mst instalment
.-
of loan
..'
8. Amount
disbursed with date.
(Certified tiPpy of ledger extract
should be enelosed)
-Amount of Subsidy claimed:
- , .9.
[Subsidy is to be calculated @ 30% or
35% (for woman), as the case may be,
of project cost subject to an upper
ceiling of'Rs, 1,00,0001- per project.
10. -Whether the -amount of first instalment
ef loan disbursed to borrower is not
less than the subsidy amount being
claimed against the loan
11.
.'
List of Documents to be Submitted:
3) Copy of Bank Sanction Letter of Enclosed! Not Enclosed
the loan
b) Certified Copy of Ledger Extract Enclosed! Not Enclosed
g) Declaration from Borrower stating Enclosed! Not Enclosed
that the first instalment of loan has
been received
Annexure-A
Application Form for Claiming Subsidy by Bank under Swabalamban
Programme
Name of the Borrower
Father’s/ Husband’s Name
Fnll Address Of the Borrower.
Lbcation of the enterprise
Nine of the PIC sponsoring the Loan
PIOposal
Name of the Financing Bankk
limount of Loan Sanctioned and date
of Sanction
Amount first instalment 'of loan
disbursed with date.
(Certified copy of ledger extract
shouldbeenelosed)
Amount of Subsidy claimedz”
[Subsidy is to be calculated @ 30% or
35% (for woman), as the case may be,
of project cost subject to an upper
ceiling of Rs, 1,00,000/- per project.
Whether the—amount of first instalment
of loan disbursed to borrower is not
less than the subsidy amount being
claimed against the loan
List of Documents to be Submitted:
3,) Copy of Bank Sanction Letter of Enclosed] Not Enclosed
the loan
b) Certified Copy of Ledger Extract Enclosed! Not Enclosed
9) Declaration from Borrower stating Enclosed! Not Enclosed
that the first instalment of loan has
been received
3 13
Certified that the above information is true to the best of my knowledge and belief.
Date: Signature of the Branch Manager with seal
Place:
Declaration !r~m the Borrower in resp~ectof receiving first Instalment of loan
It is hereby stated illaffirmation that I, Shril Smt.! Kumari _---~--~ _
Son off Wife of! Daughter of has been favoured with a
Bank Loan (Loan Account No. _= ) under Swabalamban Programme
by Branch during the year with a sanctioned amount of
Rs. I also firmly declare that I have received the first instalment of the loan
from Bank amounting to Rs. on _~ _
Date: Full Signature of the Borrower
Place:
Certified that the above information is true to the best of my knowledge and belief.
Date: Signature of the Branch Manager with seal
Place:
Declaration ".2. m the gonower In [esgect of r35; elving first Ingtalment of loag
It is hereby stated in affirmation that 1, Shri/ SmtJ Kumari
Son of/ Wife of/ Daughter of _ has been favoured with a
Bank Loan (Loan Account No. __ _) under Swabalamban Programme
by _ ‘ __ Branch during the year ' ‘ with a sanctioned amount of
Rs. . I also firmly declare that I have received the first instalment of the loan
from Bank amounting to R3. on
Date: Full Signature of the Borrower
Place:
14
Annexure-B
Month-wise Statement of Subsidy Released by Nodal Bank Branch under
Swabalamban Programme (Report to be Submitted to SoFED, Indranagar)
Report for the Month of:
.
Sl. Name & address of the Name of Amount 1st Amount Amount of Remarks
• o. Borrower Financing Sanctioned instalment of Subsidy
bank disbursed Subsidy Disbursed
I branch Claimed
1.
2.
3. --
4. -
- -
-
-
-
~-
-
of '-Total Amou t
Subsidy claimed!
disbursed
-
Balance of Fund Available in the Nodal Bank Account on t1!elast day of the Month: Rs.
Signature of the Branch Manager with seal
Report for the Month of:
Annexure-B
Month-wise Statement of Subsidy Released by Nodal Bank Branch under
Swabalamban Programme (Report to be Submitted to SoFED, Ingranagarl
SI. Name & address of the Name of Amount 1" Amount Amount of Remarks
No. Borrower Financing Sanctioned instalment of Subsidy
' bank disbursed Subsidy Disbursed
branch Claimed
l.
2. y
3.
4. .-
Total Amount of
Subsidy claimed!
disbursed
15
Balance of Fund Avg'lable in the Nodal Bank Account on 111,» 6 last day of the Month : Rs.
Signature of the Branch Manager with seal
Annexure-B
Month-wise Statement of Subsidy Released by Nodal Bank Branch under
Swabalamban Programme (Report to be Submitted to SoFED, Indranagar)
Report for the Month of:
.
Sl. Name & address of the Name of Amount 1st Amount Amount of Remarks
No. Borrower Financing Sanctioned instalment of Subsidy
• bank disbursed Subsidy Disbursed
branch Claimed
1.
2.
3. --
4. -
- -
-
-
--
-
-
of
---
Total Arnou t
Subsidy claimed/
disbursed
Balance of Fund Available in the Nodal Bank Account on the last day of the Month: Rs.
Signature of the Branch Manager with seal
Annexure-B
Month-wise Statement of Subsidy Released by Nodal Bank Branch under
Swabalamban Progamme (Rem to be Submitted to SoFED. lndranagar)
Report for the Month of:
5!. Name & address of the Name of Amount 1" Amount Amount of Remarks
No. Borrower Financing Sanctioned instalment of Subsidy
'5 bank disbursed Subsidy Disbursed
branch Claimed
1.
2.
3.
4. ' - -
Total Amount of “
Subsidy claimed!
disbursed
Balance of Fund Available y_1_' the Nodal Bank Account 0g 11; e last day of the Month : Rs.
Signature of the Branch Manager with seal
15