Office of Development Commissioner (MSME)

Government of India
Ministry of Micro, Small,& Medium Enterprises
7th Floor, Nirman Bhawan , New Delhi

Guidelines on Trade Related Entrepreneurship Assistance and

Development (TREAD) Scheme for Women for 12th Plan

1. INTRODUCTION

Women have been among the most disadvantaged and oppressed sections of
our country with regard to access to and control over resources. Problems faced by them
and particularly for those who are illiterate and semi-illiterate both in rural and urban
areas continue to be grave. In order to alleviate their problems, Govt. of India had
launched a scheme titled "Trade Related Entrepreneurship Assistance and Development
(TREAD) "during the 9th plan period. The scheme envisaged economic empowerment
exclusively of women through trade related training, information and counseling
extension activities related to trades, products, services etc. The Scheme has provided for
financial loans through NGOs who were also provided GoI grant for capacity building.
This Assistance was to be provided for self-employment ventures by women for pursuing
any kind of non-farm activity.
2. OBJECTIVE
Experience has revealed that apart from counseling and training, delivery of
credit poses the most serious problem for the poor women. Furthermore, there is dearth
of information with regard to existing status of women and their common needs for
providing necessary support. Therefore, it was considered necessary that if poor women
are to be economically empowered, appropriate programmes and schemes are to be
designed so as to assist them in all respects. Since such women will not be able to have
an easy access to credit, it has also been envisaged that the credit will be made available
to applicant woman through NGOs who would be capable of handling funds in an
appropriate manner. These NGOs will not only handle the disbursement of such loans
needed by women but would also provide them adequate counseling & training for
taking up productive activities. The focal point of the scheme is to provide grant
assistance to the nodal NGO which has been sanctioned bank loan for passing through
the same to eligible women for taking up non-farm activities.

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3. SALIENT FEATURES

3.1 Credit

There is a provision for Government of India Grant up to 30% of the loan/ credit
maximum up to Rs. 30.00 lakh as appraised by lending institution/ banks. The lending
institutions/ banks would finance loan assistance for women through NGO for
undertaking non-farm activities , who usually have no easy access to credit from banks
due to cumbersome procedures and because of their inability to provide adequate
security demanded by banks in the form of collaterals. GOI Grant and the loan portion
from the lending agencies to assist such women shall be routed through NGOs engaged
in assisting poor women through income generating activities. Only those NGOs, who
are having considerable experience (minimum 3 years) in taking and managing funds,
taken either as loan or grant, shall be eligible under the Scheme. While the loan amount
will be passed on to women beneficiaries, the Grant shall be utilized by the NGOs for
activities accepted as grant activities in the appraisal report of the lending agency and
capacity building of the NGOs. NGOs will be free to approach lending agencies of their
choice, but such lending agencies are to be approved by the respective State/UT
Governments and finally by the Office of the DC (MSME). The Government Grant
portion would be finally approved by the Steering Committee, after taking into account
the appraisal of the Project Costs by lending agency (ies) and, their in principle
acceptance to grant the loan component and GoI grant component.
The NGO which has been selected for Government Grant will not be considered
for GoI grant again in the subsequent two years from the date of release of GoI grant .

3.2 Training & Counseling

Training organizations viz. Micro, Small and Medium Enterprises –

Development Institutes (MSME-DIs), Entrepreneurship Development Institutes (EDIs),
NIMSME, NIESBUD and NGOs conducting training programmes for empowerment of
women beneficiaries identified under the scheme would be provided a grant upto
maximum limit of Rs. 1.00 lakh per programme provided such institutions also bring
their share to the extent of minimum 25% of the Government grant and 10% in case of
NER, subject to the condition that applications from NER are recommended by NSIC/
IIE , Guwahati. The batch size for such a training activity will be at least 20 participants.

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 3.3. Eliciting Information on Related Needs
Institutions such as Entrepreneurship Development Institutes (EDIs),
NIMSME, NIESBUD, IIE, MSME-DIs, EDIs sponsored by State Govt. and any other
suitable institution of repute will be provided need based Government grant primarily for
undertaking activities aiming at empowerment of women such as field surveys, research
studies, evaluation studies, designing of training modules, etc. covered under the scheme.
The activities are to be undertaken by the institution itself. No grant shall be provided for
creation of posts. The grant could be used for meeting the expenses towards books,
periodicals, consultants, computers including miscellaneous expenses etc. (related to
specific projects). The grant shall be limited up to Rs. 5.00 lakh per project.
4. THE ELIGIBILITY CRITERIA FOR REGISTRATION OF NGOS.

a) Be a legal entity with a minimum registration of three years.

b) Having experience in thrift and saving programmes with SHGs / individuals.
c) Be engaged in entrepreneurship and income generation activities for women.
d) Have basic infrastructure, qualified support staff and services to undertake micro-
enterprise development for women.
e) Shall be eligible for Government Assistance i.e. shall not be blacklisted by any
Ministry or any State Government under any scheme.
f) Shall not have any Government Assistance released earlier to the NGO pending i.e.
Utilization Certificate overdue.

5. GRANT/ ASSISTANCE FOR CAPACITY BUILDING OF NGOs

5.1 Components of GoI grant
a) Training expenses of operating staff on reducing scale.
b) The expenses on operating a management and monitoring system viz. Computer
Hardware with internet facilities and Software for MIS,Fax Machine, Photocopy
Machine, office furniture etc
c) Charges for legal documentation viz. for payment of stamp duty for loans agreement,
hiring of legal experts, valuation of assets, examination of title deeds etc.
d) Auditor’s fee for auditing credit programme records.
e) For establishment of new SHGs
f) Skill Development /Common training / consultancy / networking inputs for the
members (borrowers) relating to marketing, designing, packaging, quality control,
technologies etc.
g) Travelling expenses to NGO for coordinating/ monitoring the project.
h) Payment of insurance premium on productive assets acquired by beneficiaries.
i) Participation in exhibition and other marketing events.
j) Part of repayment of loan installments.
k) Others components as approved by bank/ Steering Committee.

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 5.2 Norms for Release of GoI Grant For Capacity Building of NGOs
GoI grant will be maximum 30% of loan amount maximum up to Rs 30.00 lakh.
Following norm will be followed for sanctioning Government Assistance/ grant for
the various components of capacity building as per the proposal submitted by the applicant
NGO. However, Steering Committee is empowered to modify the amount to be sanctioned
under each sub-head.

SN Components of GoI grant Norms Example

(percentage -Rs.100 lakh loan
of GoI and Rs.30 lakh GoI
grant) grant
1 ESDP Training Programme for 30-40 900000-1200000
beneficiaries
2 Honorarium for Project Coordinator 5-8 150000-240000

3 Honorarium for Marketing Manager 4-6 120000-180000

4 Honorarium for Office Assistant 3-5 90000-150000

5 Training to Staff of NGO 2-3 60000-90000

6 Documentation 3-5 90000-150000

7 Computer Hardware with internet 8-10 240000-300000

facilities and Software for MIS, Fax
Machine, Photocopy Machine, office
furniture etc
8 Formation of new SHGs 2-3 60000-90000

9 Travelling expenses to NGO for 2-3 60000-90000

coordinating/ monitoring the project.
10 Auditors Fee 2-3 60000-90000

11 Insurance 5-8 150000-240000

12 Participation in Exhibition/ Exposure 3-5 90000-150000

visit -
13 Evaluation study 2-3 60000-90000
14 Last installments for Repayment of 20 600000
loan
15 Others components as approved by 2-3 60000-90000
bank/ Steering Committee

Total

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 6. IMPLEMENTING AGENCIES
All Nationalized Banks are eligible to implement the scheme. DC (MSME)
has already signed MoU with following banks to operate the scheme as lending agencies.
Any other financial institution (except Nationalized Banks) wish to implement scheme will
require to sign MoU with Office of DC(MSME).
SN Banks SN Banks
1 State Bank of India 2 Canara Bank
3 UCO Bank 4 Allahabad Bank
5 Oriental Bank of Commerce 6 Indian Overseas Bank

7 Dena Bank 8 Indian Bank

9 IDBI 10 Bank of Baroda
11 Syndicate Bank

7. IMPLEMENTATION
7.1. Project proposals for assistance under the scheme may be submitted by the
eligible NGOs in the prescribed format given at Annex – A to the concerned
Director of MSME -Development Institutes at the address given at Annex – B.

7.2. The applications/ Project Proposals received will be scrutinized by MSME-DIs

for their eligibility and forwarded to the concerned bank/respective lending
agencies (Public Sector Banks) for detailed appraisal in respect of viability and
feasibility of the proposal.

7.3. If Banks find that project proposals techno-economically viable, will issue the in-
principle sanction letter to the NGO with a copy to the concerned Director,
MSME-DI and Office of DC(MSME), 7th Floor, Nirman Bhawan, New Delhi .

7.4. The indicative format of the sanction letter is at Annex – C.

7.5. The project proposals appraised/approved by the bank will be submitted before
State Level Screening Committee (SLSC) for recommending to the Steering
Committee for consideration and approval for releasing GoI grant.

7.6. After Government approval, GoI grant will be sent to the account of the NGO in
the same bank branch that has sanctioned the loan, with the instructions that bank
will release the GoI grant along with the loan or proportionately in accordance
with the stipulations laid down in the MoUs/sanction letter of the DC(MSME).

7.7. Bank will complete all the formalities required for disbursement of loan before
releasing the GoI grant.
7.8. In case, bank fails to disburse the loan to the NGO/beneficiary whatever may be
the reasons, will have to return the GoI grant to the office of DC(MSME)
through Demand Draft in favour of PAO(MSME), New Delhi .
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 7.9. The GoI grant should be used for the purpose for which it has been sanctioned.
The amount of GoI grant for ‘Last installments for repayment of loan’ will be
adjusted by bank against the loan .

7.10. NGO will submit the Utilisation Certificate in the prescribed format audited by
Charted Accountant and also a progress report in the prescribed format (as per
Annexure - D) to the O/o DC (MSME).
8. SCREENING / STEERING COMMITTEE

8.1. A State Level Screening Committee(SLSC) headed by the concerned Director ,

MSME-DIs will scrutinize the proposals sanctioned by bank for loan and
Government Assistance under the scheme. Other members of the Committee will
be (i) representative of convener bank of the state, (ii) representative of lending
banks,(iii) representative of Department of Women & Child Development of the
respective State. The SLSC will motivate and guide the NGOs for participation
under the scheme. The SLSC may also send their suggestions to the Steering
Committee to implement the scheme more effectively and in a more result
oriented manner.
8.2 A Steering Committee under the Chairmanship of AS&DC (MSME) will review
and sanction Government Assistance to proposals submitted under the scheme.
Other members of the Committee are (i) representative of Additional Secretary &
Financial Adviser of the Ministry of MSME, (ii) Joint Secretary, Department of
Women & Child Development, (iii) Chairman & Managing Director, Lending
Agencies (Banks),(iv) representative of NSIC and (v) concerned Director,
MSME-DIs. Additional Development Commissioner, Office of the DC(MSME)
would be the Member Secretary. Any other members can be co-opted by the
Committee, if required. The Steering Committee will provide overall guidance for
selection of the beneficiaries, Organisations, NGOs and Lending Agencies for
Government Grants under the Scheme.
8.3 The Steering Committee shall undertake regular monitoring and review of
implementation of projects in consultation with State Governments, lending
agencies, NGOs, Training Institutions and all other stake holders in the
programmes.

9. BUDGETARY PROVISION FOR THE SCHEME DURING THE 12th PLAN

The Plan outlay for the Scheme in the 12th Plan has been kept at Rs.15.50 crore . The
budgetary allocation will be utilized for providing grants to Institutions/banks willing to
implement the Scheme.

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To
1. Secretary (Industries) – All States/UTs.
2. All Nationalized Banks
3. All Director, MSME-DIs/ Branches
4. All Autonomous Bodies under Ministry of MSME
5. Adviser, Planning Commission, Yojna Bhawan , New Delhi
6. Chairman, SIDBI, Lucknow
7. Director Of Audit Civil & Services Ministries,
AGCR Building, IP Estate, New Delhi-110002.
8. E.A., IF Wing, Udyog Bhawan, New Delhi

Copy for kind information to:-

1. PS to Minister (MSME), Udyog Bhawan, New Delhi.

2. PPS to Secretary (MSME ), Udypog Bhawan, New Delhi.
3. PS to AS & DC(MSME), Nirman Bhawan, New Delhi.
4. PS to AS & FA, Udyog Bhawan, New Delhi.
5. PS to Joint Secretary (MSME), Udyog Bhawan, New Delhi.
6. PS to Joint Secretary, Deptt.of Rural Employment & Poverty Alleviation, Krishi
Bhawan, New Delhi.
7. PS to Joint Secretary, Ministry of Women & Child Development , Shastri Bhawan
, New Delhi
8. All ADCs/ IAs/JDCs/Directors in the Hq.office.
9. CMD, National Small Industries Corporation, “NSIC Bhawan”, Okhla Industrial
Estate, New Delhi-110020.
10. Chairman, Coir Board, Kochi- 682016
11. Chairman , KVIC, Mumbai.

Annex – A

OFFICE OF THE DEVELOPMENT COMMISSIONER

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 (MSME)
MINISTRY OF MSME
GOVERNMENT OF INDIA
Nirman Bhawan, New Delhi
TRADE RELATED ENTREPRENEURSHIP ASSISTANCE & DEVELOPMENT
(TREAD) FOR WOMEN
APPLICATION FORM
To be submitted online- msmedi.dcmsme.gov.in/tread.aspx
1. DETAILS OF NON-GOVERNMENTAL ORGANISATION (NGO)
i) Name

ii) Full Address with Pin Code

P I N

District :

State :

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STD Code & Telephone numbers :

STD Code

Tel.(O)

Tel.(R)

FAX & E-mail address :

FAX

E-

mail

iii) Name and Designation of Chief Functionary with contact address, Telephone No.,
Fax No.and E-mail ID ( Affix passport size photo)

iv) Names of other key functionaries, their addresses and contact details.( Affix
passport size photo)

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v) Registration No. of Organisation -
(Enclose copy of Registration Certificate) Annexure – I

vi) Date of Registration

d d m m y y

vii) Main objectives as given in bye-laws Annexure - II

(Enclose copy)

viii) Whether there is provision in bye-laws to avail loan from lending institutions /
banks (Enclose copy) Annexure - III

ix) Copies of audited balance sheet for immediate last 3 years Annexure – IV

x) Copy of latest Annual Report Annexure – V

2. ORGANISATIONAL SET UP

i. Building/ Office - owned / rented

ii. Built-up area---- ( Sq M)
iii. Open Area -- (SqM)
iv. Office Staff (No.)

v. Field Staff (No.)

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3. MAJOR PROJECTS IMPLEMENTED BY THE ORGANISATION IN LAST
THREE YEARS (Rs in Lakh)
Year Description Organisations Amount of Status of No of Remarks
of the from which assistance received Project Benefici
Project assistance aries
received
Loan Grant/ Completed/
Subsidy Continuing

4. PROPOSED FUNDING UNDER EACH ACTIVITY OF THE PROJECT

Name of Activity No. of Average loan Total loan required
borrowers/ amount per (Rs. in lakh)
beneficiaries borrower (Rs.)

5. Proposed proposal details

i. Places of implementation of the project.

Address-

State-

District-

6. AMOUNT OF GOVERNMENT GRANT SOUGHT WITH PURPOSE

(GoI grant will be maximum up to 30% of loan amount maximum Rs.30.00lakh ).
Components of GoI grant Norms Example- Units/ Amount of
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 (percenta Rs.100 lakh Nos. GoI grant
ge of GoI loan and Rs.30 (if sought by
grant) lakh grant applicable NGO(Rs.
) in lakh)
1. ESDP Training Programme for 30-40 900000-120000
beneficiaries
2. Honorarium for Project 5-8 150000-240000
Coordinator
3. Honorarium for Marketing 4-6 120000-180000
Manager
4. Honorarium for Office Assistant 3-5 90000-150000
5. Training to Staff of NGO 2-3 60000-90000
6. Documentation 3-5 90000-150000
7. Computer Hardware with internet 8-10 240000-300000
facilities and Software for MIS, Fax
Machine, Photocopy Machine,
office furniture etc
8. Formation of new SHGs 2-3 60000-90000
9. Travelling expenses to NGO for 2-3 60000-90000
coordinating/ monitoring the
project..
10. Auditors Fee 2-3 60000-90000
11. Insurance 5-8 150000-240000
12.Participation in Exhibition/ 3-5 90000-150000
Exposure visit -
13. Evaluation study 2-3 60000-90000

14. Last installments for 20 600000

Repayment of loan
15. Others components as approved 2-3 60000-90000
bank/ Steering committee
Total

7. COMPONENTS/ ITEMS OF NGO's CONTRIBUTION

Sl. Components/ Items Quantity/ Units Amount (Rs. in

No. lakh)

8. SALIENT FEATURES OF THE PROPOSAL

S.NO. Components Amount in (Rs. lakh)
1 Loan component
2 Grant component
3 Own Fund/ contribution of NGO
Total

9. Expected level of benefit after completion of the project including anticipated

monthly increase in income of the borrowers/ beneficiary women.

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 10. PROPOSED REPAYMENT SCHEDULE
(Enclose repayment schedule statement)

11. PROPOSAL TO BE FORWARDED TO

S.No. Particulars
1 Name of the Bank
2 Branch Name
3 Bank Code
4 IFSC Code
5 MICR Code
6 Address
7 State
8 District
9 City
10 Phone No.
11 Email

I hereby certify that the above information furnished by me is correct. I

undertake to use the Government of India grant component and the loan component
received from lending agencies for the intended purpose of empowerment of women
beneficiaries for their self-employment through non-farm activities as proposed above. I
also undertake to sincerely monitor the utilization of assistance under the scheme. I
promise to repay the loan component as per the repayment schedule proposed above or
the same as fixed by mutual understanding of the undersigned and the lending
institution. In case of the failure of the project I promise to refund both the GOI grant
and the loan amount received. The NGO has not been blacklisted by any Ministries/
Govt. Department. Further I may also be liable for any action under the law of land for
any false declaration.
Signature
Name
Designation in the NGO & Seal
Place
Date

Annex – B
Application to be submitted at MSME-DIs of respective State

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S. No. State Address Telephone No.
1. Andhra Director, Ph :040-23078857 , (tel. Fax)
Pradesh MSME-DI 040-23078131/32/33
Narsapur Cross Roads, [email protected]
Bala nagar,
Hyderabad -500 037.

2. Assam Director, Ph :0361-2550052, 2550073

MSME-DI fax :0361-2550298
Industrial Estate [email protected]
Bamuni Maidan,
Guwahati -781 021.
3. Arunachal Dy. Director, 0360-2291176,
Pradesh MSME-DI [email protected]
Apidfc building
'C' sector,
Itanagar -791111.
4. Andaman & Dy. Director, Ph : 03192-252308
Nicobar MSME-DI
Islands VIP Road, Jungle Ghat,
Post box no.547,
Portblair-744103
5. Bihar Director, Ph :0621-2282486
MSME-DI fax:- 2284425
Goshala Road, [email protected]
P.o. Ramna,
Muzaffarpur -842 002.
Director, Ph :0612-2262719 , 0612-2262186
MSME-DI , 0612- 2262208
Patliputra Industrial Estate, fax :0612-2261677
Patna -800 013. [email protected]
6. Chhattisgarh Director, Ph :0771-2102700
MSME-DI [email protected]
Near Urkala Railway station
Girgaon, Raipur
7. Dadra & Dy.Director, 0260-2640933,2643103
Nagarhavelli MSME-DI [email protected]
Masat Industrial Estate,
Silvassa-396230
8. Delhi Director, Ph :011-26847223,26838118/269
MSME-DI fax :011-26838016
Okhla Industrial Estate, [email protected]
New Delhi -110 020.
9. Goa Director, Ph :0832-2705092/93,2725979
MSME-DI fax :0832-2705094
Opp. Konkan railway station. [email protected]
(Kepem Road), P.O. Box
334,Margao -403 601.
10. Gujarat Director, Ph :079-27540619 , 079-7544248
MSME-DI 079-
Harsiddh chamber, 7543147
4th floor, Ashram Road, [email protected]

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 Ahmedabad -380 014.
11. Haryana Director, Ph :0184-2230910
MSME-DI fax :0184-2231862
Industrial Development Colony, [email protected]
near ITI, Kunjpura Road, Karnal -
132 001.
12. Himachal Director, Ph :01792-230766
Pradesh MSME-DI fax :01792-230265
Electronics Complex [email protected]
Chambaghat,
Solan -173213.
13. Jammu & Director, Ph :0191-2431077
Kashmir MSME-DI fax :0191-2450035
Digiana Industrial Estate [email protected]
Jammu -180 004.
14. Jharkhand Director, Ph :0651-2544161/392
MSME-DI fax :0651-2544743
Namkum Industrial Area, [email protected]
3rd Floor, RIADA, samlong
Ranchi -834010.
15. Karnataka Director, Ph :080-23151540/582/583
MSME-DI fax :080-23144506
Rajaji nagar, [email protected]
Industrial Estate
Bangalore -560 044.

Director, Ph :0836-
MSME-DI 2332334/2330589/2335634
Industrial Estate, fax :0836-2330389
Gokul Road,Hubli -580 030 [email protected]

16. Kerala Director, Ph :0487-2360216/686

MSME-DI fax :0487-2360216
Kanjany Road,,A yyanthole, [email protected]
Thrissur -680 003.
17. Lakshadweep Dy. Director, 04897-273345
MSME-DI [email protected]
Nucleus cell, Amini island,
Lakshadweep-682552
18. Madhya Director, Ph :0731-2420723 /2421048
Pradesh MSME-DI [email protected]
10,Industrial Estate,
Polo ground, Indore -452 003.
19. Maharashtra Director, Ph.:022-
MSME-DI 28576090/28573091/28579092
Kurla Andheri Road , Saki Naka , fax:022-28570663
Mumbai -40072 [email protected]

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 Director,
MSME-DI 0712-2511985/2510352
C- Block, CGO Complex, [email protected]
Seminary Hill,,Nagpur -440 006.

20. Manipur Director, Ph :0385-2449096 / 2449096(fax)

MSME-DI [email protected]
C-17/18, Takyelpat Industrial
Estate,,Imphal -795 001.
21. Meghalaya Dy.Director, 0364 2223349
MSME-DI [email protected]
Lower lachimiere,
Shilong-793001
22. Mizoram Dy. Director, 0389-2323448
MSME-DI [email protected]
Upper Republic Road, Aizwal

23. Nagaland Dy. Director, 03862-248552

MSME-DI [email protected]
Industrial Estate, Dimapur-
795001, Nagaland
24. Odisha Director, Ph :0671-2548006 /077 /049
MSME-DI fax :0671-2611958
Vikas Sadan, College [email protected]
Square,Cuttack -753 003.
25. Punjab/ Director, Ph :0161-2531733 /735
Chandigarh MSME-DI fax :0161-2533225
Industrial Area -B, [email protected]
Ludhiana -141 003
26. Rajasthan Director, Ph :0141-2212098/3099/ 0553
MSME-DI fax :0141-2210553
22, Godown, Industrial Estate, [email protected]
Jaipur -302 006.
27. Sikkim Director, Ph :03592-231262 /880
MSME-DI fax :03592-231262
Tadong housing colony, PO. [email protected]
Tadong,Gangtok -737102

28. Tamil Nadu Director, Ph :044-22501011 , 044-22501475

MSME-DI ,044-22501785
65/1,GST Road, Guindy, fax :044-22341014
PB- 3746, [email protected]
Chennai -600 032.
29. Tripura Director, Ph :0381-2322640
MSME-DI fax :0381-2326570
21,Harish Thakur road, [email protected]
Agartala –799001
30. Uttar Pradesh Director, Ph :0512-2295070 , 0512-2295071
MSME-DI 0512-2295073
107, industrial estate, fax :0512-2220831
Kalpi road, [email protected]
Kanpur -208 012.

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 Director, Ph :0562-2280879
MSME-DI fax :0562-2280882
34, Industrial Estate, Nunhai, [email protected]
Agra -282 006.
Director, Ph :0532-2697468/6810
MSME-DI fax :0532-2696809
E-17/18, Industrial estate, [email protected]
Naini,Allahabad -211 009.

31. Uttrakhand Director, Ph :05946-228353

MSME-DI fax :05946-221053
Kham Bungala [email protected]
campus,kaladungi Road,
Haldwani -263139.

32. West Bengal Director, Ph :033-25770595/598

MSME-DI fax :033-25775531
111 & 112, B.T. Road, [email protected]
Kolkata -700 035.

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 Annex – C
Indicative Format of Sanction Letter to be Issued by the Bank on letter
head
To
NGO
The Bank sanctions in- principle a term loan of Rs.............and recommends Government of
India grant of Rs.............. to M/s …………. for taking up activities under the TREAD scheme
of DC(MSME) as per the details given below –
Loan Component -
S.No. Name of No. of Loan amount per Total loan
activities beneficiaries beneficiary sanctioned

GoI grant component-

S.No. GoI grant Item No./ units Amount (Rs.)

Contribution of NGO -
S.No. Components/ Items No./Units Amount (Rs.)

Brief of Project
SN Particulars Amount
1 Loan Sanctioned
2 GoI grant recommended
3 NGO’s contribution
4 Total
Copy to-
1.DC (MSME),7th Floor, Nirman Bhawan, New Delhi
2. Director, MSME-DI
(Signature & Seal of Bank Authority)

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