COMPREHENSIVE OVERVIEW OF
MAJOR GOVERNMENT
DEVELOPMENT SCHEMES
-ADVAITHA GLOBAL CONSULTANCY
CONTENTS
1. PMEGP
2. MUDRA
3. START UP INDIA
4. STAND UP INDIA
5. PM VISHWAKARMA
6. NLM
7. NSDP
1. PMEGP – PRIME MINISTER’S EMPOLYMENT GENERATION PROGRAMME
INTRODUCTION
❖ It’s a credit-linked subsidy program launched in 2008 and is formed through merging of two
schemes i.e, PMRY(Prime Minister’s Rojger Yojana) and REGP(Rural Employment
Generation programme).
❖ Administered my Ministry of MSME (Micro, Small, Medium Enterprises). It mostly Aims
to generate employment opportunities in Rural and Urban areas.
OBJECTIVES
✓ Creates sustainable employment opportunities.
✓ Support new manufacturing, service, and trading units.
✓ Promote traditional artisans and rural entrepreneurs.
✓ Help first-generation entrepreneurs establish business
ELIGIBILITY CRITERIA
✓ AGE : 18 Years and above
✓ QUALIFICATION : 8TH pass
✓ Only new projects are considered REQUIRED DOCUMENTS
✓ Self Help Groups (SHGs) are eligible
✓ No Income ceiling for setting up projects ✓ Photos and Address proofs
✓ Family income shouldn’t exceed 3lakh ✓ Caste certificate if applicable
✓ Education certificates
✓ Project report
✓ Own fund proof
✓ EDP/ Skill training certificate
FINANCIAL STRUCTURE
➢ Maximum project cost
• Manufacturing sector : ₹50 Lakh
• Service sector : ₹20 Lakhs
➢ Beneficiary Contribution
SPECIAL CATEGORIES include
• General Category : 10%
❖ SC/ST/OBC
• Special Category : 5% ❖ Minorities
➢ Rate of Subsidy ❖ Women
• Urban Areas : 15 – 25% ❖ Ex-servicemen
• Rural Areas : 25 – 35% ❖ Physically Handicapped
❖ NER beneficiaries
❖ Hill and border areas
- Mandatory 2-3 weeks EDP training which mainly focuses on
▪ Business Management
▪ Financial literacy
▪ Technical skills
▪ Marketing Strategies
- Sectors covered
▪ Agriculture and allied activities
▪ Food processing
▪ Handloom and handicrafts
▪ Service sector activities
▪ Eco-friendly products
▪ Technical and Industrial products
BENEFITS
• Employment Generation
• Rural Industrialization
• Reduction in migration
• Women Empowerment
• Preservation of traditional arts
• Economic growth in backward areas
APPLICATION PROCESS
2. MUDRA – MICRO UNITS DEVELOPMENT AND REFINANCE AGENCY
INTRODUCTION
❖ It was launched on April 8, 2015, by Prime Minister Narendra Modi, Aimed to provide
financial support to micro and small enterprises.
❖ It was implemented by National Mudra Bank and is part of government’s financial
Inclusion strategy.
OBJECTIVES
❖ Provide affordable credit to non-corporate, non-farm micro and small enterprises.
❖ Support entrepreneurs from low-income groups.
❖ Promote financial Inclusion.
❖ Generate self-employment opportunities.
❖ Support small business growth.
LOAN CATEGORIES
SHISHU LOAN KISHORE LOAN TARUN LOAN
• AMOUNT – ₹50,000 • AMOUNT – ₹50,000 to ₹5 lakh • AMOUNT – ₹5 lakh to ₹10 lakh
• Lowest entry level loan • For business with some • For established small businesses
operational history
• Ideal for new small businesses • Requires more comprehensive
• Slightly higher loan limit business plan
• Minimal documentation
• More extensive documentation • High scrutiny of business
• Lower interest rates potential
ELIGIBILITY CRITERIA
• Indian citizens
• Proprietorship/partnership/private limited
• Micro and small enterprises SECTORS COVERED
• Age group : 18 – 65 years • Manufacturing
• Entrepreneurs from SC/ST/OBC/Minorities • Trading
• Individuals forming non-farm sector businesses • Services
• Women entrepreneurs • Micro-enterprises
• First-time entrepreneurs • Small food processing units
• Repair shops
• Beauty parlors
• Tailoring units
• Transportation services
• Small agricultural support business
KEY FEATURES
• Collateral-free loans
• No additional security required BENEFITS
• Simplified documentation
• Competitive interest rates • Easy access to credit
• Quick loan processing • Lower interest rates
• Online application facility • No collateral requirement
• Online application facility • Promotes entrepreneurship
• Nationwide coverage • Supports economics growth
• Empowers marginalized sections
• Generate employment
IMPACT STATISTICS
• Millions of loans sanctioned
• Significant job creation
• Support to micro-enterprises
• Boost to local economics
• Empowerment of women entrepreneurs
CHALLENGES ADDRESSED
• Limited access to formal credit
• High-interest rates from informal sources
• Lack of collateral
• Limited financial literacy
• Business sustainability
3. START UP INDIA
INTRODUCTION
• It was launched on January 16, 2016 and known to be flagship initiative of Government of India.
• Its aim is to build a strong ecosystem for improving innovation and focuses on sustainable
economic growth and large-scale employment.
OBJECTIVES
• START UP INDIA’s working towards innovation/improvement of products/processes/services
with annual turnover less than ₹100 crore
• Key pillars of START UP INDIA are said to be
▪ Simplification and Handholding
▪ Easy compliance
▪ Legal support
▪ Fast-tracking patent examination
▪ Easy exit process
FINANCIAL BENEFITS REGULATORY BENEFITS
•Income tax exemption for 3 years •Fast-tracked patent applications
•Capital gains tax exemption •80% reduction in patent filing fees
•Investment above fair market value allowed •Easy public procurement norms
•Easy access to fund of funds •Faster exit process
•Patent filing support •Self-certification under labor & environment law
•Self-certification compliance
FUNDING OPTIONS
-GOVERNMENT FUNDS . PRIVATE FUNDING
•Startup India Seed Fund •Angel investors
•Fund of Funds •Venture capitalists
•SIDBI Fund •Incubators
•Atal Innovation Mission •Accelerators
•Crowdfunding
SECTORS and IMPACT
•IT & Software
•Healthcare
•Agriculture
•Education
•Fintech
•Clean Energy
•Manufacturing
SUCCESS MATRICES
•E-commerce
•Registered startups
•Funding raised
•Jobs created
•States covered
•Patents filed
RESOURCES AND WAY FORWARD
•Startup India Portal
•Helpline numbers
•Online tools
•Learning programs
•Mentorship platforms
BEST PRACTICES
•Strong business model
•Clear value proposition
•Market research
•Innovation focus
•Scalability plan
4.STAND UP INDIA : Empowering Entrepreneurs
INTRODUCTION
• STAND UP INDIA WAS LAUNCHED on April 05, 2016 targeting SC/ST and Women
Entrepreneurs, with sole purpose of encouraging new enterprise setup.
• Loan Ranges between ₹10 lakh - ₹1 crore.
KEY BENEFICIARIES
•Scheduled Castes (SC)
•Scheduled Tribes (ST)
•Women Entrepreneurs
•One beneficiary per bank branch
CORE FEATURES
•Composite loan facility
•Up to 7 years repayment
•Minimal collateral
•Competitive interest rates
ELIGIBILITY & LOAN DETAILS
ELIGIBILITY LOAN COMPONENTS SECURITY REQUIREMENTS
• AGE: 18+ years • Plane & machinery • Primary: Assets created
• SC/ST/Women • Working capital • Collateral: Above ₹10 lakh
• New enterprises only • Equipment • CGTMSE coverage
• No defaulters • Raw materials • Simplified security norms
• 10% contribution by • Marketing expenses
borrowers • Business operations
• At least one women owner for
non-individual enterprises
BENEFITS AND SUCCESS FACTORS
KEY BENEFITS SUCCESS FACTORS IMPACT METRICES
•Women empowerment •Financial management •Beneficiaries supported
•Financial inclusion •Viable business plan •Loans sanctioned
•Job creation •Market research •Enterprises established
•Economic growth •Proper documentation •Jobs created
•Social development •Regular monitoring •Sector distribution
DOCUMENTATION AND APPLICATION PROCESS
PROCESS FLOW DIAGRAM
ONLINE REGISTRATION
ESSENTIAL DOCUMENTS BANK SELECTION
• Identity proof
• Address proof DOCUMENT SUBMISSION
• Caste certification
• Project report
• Equipment Quotation APPLICATION PROCESS
• Bank statements
• Property documents LOAN SANCTION
DISBURSEMENT
5.PM VISHWAKARMA: Empowering Traditional Artisans & Craftspeople
INTRODUCTION
PM Vishwakarma scheme was launched on September 17, 2023 with a budget of ₹13,000 crore, targeting
traditional artisans and craftspeople
Scheme Focuses on
• Skill enhancement
• Quality tools
• Financial support
• Market linkages
• Digital empowerment
BENEFICIARIES & COVERAGE
18 TRADITIONAL CRAFTS covered
1. Carpenter (Badhái) 1. Cobbler (Mochin)
2. Boat Maker 2. Basket/Mat/Broom Maker
3. Blacksmith (Lohár) 3. Traditional Toy Maker
4. Haircut & Beauty 4. Barber (Nápit)
5. Mason (Rájmistry) 5. Garland Maker
6. Lock & Key Maker 6. Washerman (Dhobí)
7. Goldsmith 7. Tailor (Darzí)
8. Potter (Kumhár) 8. Fishing Net Maker
9. Sculptor (Stone) 9. Weaver (Handloom)
BENEFITS & SUPPORT COMPONENTS
FINANCIAL ASSISTANCE TRAINING SUPPORT DIRECT BENEFITS
• Basic Toolkit: ₹15,000 • 5-day Basic Training • Recognition through PM
• Advanced toolkit: Up to • 2-day supplementary Training Vishwakarma certificates
₹50,000 • Digital skills • ID card & toolkit
• Collateral-free credit: ₹1 lakh • Entrepreneurship basics • Quality certificate
• Additional credit: ₹2 lakh • Modern techniques • Bank linkage
• Digital transections training
IMPLIMENTATION AND PROCESS
-KEY FEATURES REGISTRATION PROCESS
•Mobile app support COMMON SERVICE CENTERS REDISTRATION
•Digital payment integration
BASIC TRAINING
•Quality certification
•Design support CERTIFICATE & ID CARD
•Marketing assistance
•Brand promotion TOOLKIT DISTRIBUTION
BANK LINKAGE
ADVANCED TRAINING
CREDIT SUPPORT
SUPPORT SYSTEM & CONTACT
-IMPLIMENTATION PARTNERS
1. Ministry of MSME
2. State governments
3. Banks
4. Training institutions -SUPPORT AVAILABLE
5. Common service centres 1. Skill upgradation
2. Modern tools -KEY POINTS
3. Marketing support 1. Zero government-sponsored
4. Digital payments 2. 100% govt.-sponsored
5. Quality certification 3. End-to-end support
6. Design development 4. Traditional craft preservation
5. Modern market linkage
6. Digital empowerment
NATIONAL LIVESTOCK MISSION (NLM)
INTRODUCTION
• NLM is a Central Government Initiative in India and is launched in 2014-15 by
government of India.
OBJECTIVES
• Sustainable development of livestock sector
• Improve productivity of livestock
• Create rural entrepreneurship
• Protect indigenous breeds
• Enhance livestock products quality
MAJOR COMPONENTS
• Livestock Development
• Breed improvement
• Conservation of indigenous breeds
• Feed and fodder development
• Pig Development
• Modern pig forming practices
• Genetic improvement
• Poultry Development
• Rural backyard poultry
• Commercial poultry production
• Skill Development & Technology Transfer
FINANCIAL ASPECTS & IMPLEMENTATION
• Central government sponsored schemes
• Fun sharing pattern:
• 60:40 between Centre and States
• 90:10 for North Eastern States
• 100% for Union Territories
• Entrepreneurship Development & Employment Generation
• Risk Management & Insurance
KEY ACHIEVEMENTS & IMPACT
• Enhanced fodder production
• Improved breed development programs
• Increased employment generation
• Modernization of livestock farms
• Better disease control & animal health
• Strengthened value chain for livestock products
6. NSDP - NATIONAL SKILL DEVELOPMENT PROGRAMME
INTRODUCTION
• NSDP was launched in 2009 by Government of India.
• Its known to be a Flagship program for skill development.
• Carrying the aim to create skilled workforce for economic growth.
• Targeting to train 150 million people by 2022.
KEY COMPONENTS & STRUCTURE
-IMPLEMENTATION FRAMEWORK
• National Skill Development Corporation (NSDC)
• Public-private partnership model
• Coordinates training programs
• Manages funding
-KEY BODIES
• Sector Skill Councils (SSCs)
• Training Partners
• Assessment Agencies
• Certification Bodies
PROGRAM FEATURES & BENEFITS
-TRAINING AREAS
• Industry-specific skills
• Soft skills development
• Entrepreneurship training
• Digital literacy
-TARGET BENEFICIARIES
• School/college dropouts
• Unemployed youth
• Existing workers
• Rural population
• Women and marginalized groups
IMPACT & ACHIEVEMENTS
-KEY OUTCOMES
• Over 2.5 crore people trained
• Enhanced employability
• Industry-recognized certifications
• Improved workforce quality
-KEY OUTCOMES
• Digital skills
• New age technologies
• Global employment opportunities
• Industry 4.0 readiness
CONCLUSION
1.Purpose & Integration
•All schemes form a cohesive ecosystem for development
•Focus on different segments but complementary goals
•Integrated approach to socio-economic growth
•Multi-dimensional poverty alleviation strategy
2.Key purpose
•Employment Generation (PMEGP, Stand Up India)
•Financial Inclusion (MUDRA)
•Skill Development (NSDP, PM Vishwakarma)
•Education (NLM)
•Rural Development (NLM - Livestock)
•Innovation & Entrepreneurship (Startup India)
3.Target Beneficiaries
•Women entrepreneurs
•SC/ST communities
•Rural population
•Youth
•Traditional artisans
•Small business owners
•Farmers & livestock owners
4.Financial Support Structure
•Direct subsidies
•Collateral-free loans
•Credit guarantees
•Fund of funds
•Margin money assistance
•Training subsidies
5.Key Achievements
•Increased entrepreneurship
•Enhanced skill development
•Improved literacy rates
•Better livestock management
•Startup ecosystem development
•Traditional crafts preservation
6.Future Outlook
•Digital integration
•Sustainable development focus
•Technology adoption
•Global competitiveness
•Inclusive growth
•Rural-urban balance
