Sr. No.

Category

DEFINITION

1.2.1

MICRO
ENTERPRISES
(MANUFACTURING)

Enterprises engaged in the manufacture/ production, processing or preservation of goods and whose investment in Plant and Machinery (Original cost excluding Land and building and the items specified by the Ministry of Small Scale Industries (vide its notification no. S.O.1722 (E) dated October 5,2006) does not exceed Rs.25Lacs.

1.2.2

MICRO
ENTERPRISES
(SERVICE)

i. Enterprises engaged in the providing/rendering of services and whose investment in Equipment (Original cost excluding Land and building and furniture, fittings and other not directly related to the service rendered or as may be under the Micro, Small and Medium Enterprises Development, Act 2006) does not exceed Rs.10 Lacs.

ii. The Micro Enterprises (Service) shall include Small Road & water Transport Operator (SRWTO), Professional and Self Employed (PSEP), Small Business and all other service enterprises whose investment in equipment does not exceed Rs.10Lacs.

1.2.3

SMALL
ENTERPRISES
(MANUFACTURING)

Enterprises engaged in the manufacture/ production, processing or preservation of goods and whose investment in Plant and Machinery (Original cost excluding Land and building and the items specified by the Ministry of Small Scale Industries vide its notification no. S.O.1722 (E) dated October 5,2006) is above Rs.25 Lacs to Rs.5Crore.

1.2.4

SMALL
ENTERPRISES
(SERVICE)

i. Enterprises engaged in the providing/rendering of services and whose investment in Equipment (Original cost excluding Land and building and furniture, fittings and such items as per 1.2.2.) is above Rs.10Lacs to Rs.2Crore.

ii. The Small Enterprises (Service) shall include Small Road & water Transport Operator (SRWTO), Professional and Self Employed (PSEP), Small Business and all other service enterprises, whose investment in equipment is above Rs.10Lacs to Rs.2Crore.

1.2.5

MEDIUM
ENTERPRISES
(MANUFACTURING)

Enterprises engaged in the manufacture/ production, processing or preservation of goods and whose investment in Plant and Machinery Original cost excluding Land and building and the items specified by the Ministry of Small Scale Industries vide its notification no. S.O.1722 (E) dated October 5, 2006) is more than Rs.5Crore but does not exceed Rs.10Crore.

1.2.6

MEDIUM
ENTERPRISES(SERVICE)

i. Enterprises engaged in the providing/rendering of services and whose investment in Equipment (Original cost excluding Land and building and furniture, fittings and such items as per 1.2.2.) is more than Rs.2Crore but does not exceed Rs.5Crore.

ii. The Medium Enterprises (Service) shall include Road Transport Operator (RTO), Professional and Self Employed (PSEP), Business and all other service enterprises, whose investment in equipment is above Rs.2Crore to Rs.5Crore.

2.

Stipulated Growth Target{Micro ,Small and Medium Enterprises (MSME)}

a. As per Policy package of the Honorable Finance Minister, there has to be a growth of 20% year on year basis thereby doubling the Outstanding credit under MSME sector in 5 years i.e., by 2009-10. Banks have been advised to fix self-targets in this regard.

b. Also, all banks have been asked to provide credit to at least 5 new small/medium enterprises at each of their semi urban/ urban branches per year.

c. In our Bank, Priority Sector Credit department, Head Office will continue to finalize Zone wise targets for financing to this sector based on Bank’s business objective/Government of India/RBI Guidelines received from time to time.

2.1.

Small Enterprises

Small Enterprises: Advances to small enterprises sector will be reckoned in computing performance under the overall Priority Sector Credit target of 40% of ANBC or credit equivalent amount of off-balance sheet exposure, whichever is higher.

2.2.

Micro Enterprises within small enterprises sector

(i) 40 percent of total advances to small enterprises sector should go to Micro (manufacturing) enterprises having investment in plant and machinery (original cost) upto Rs.5.00 lakh and micro (service) enterprises having investment in equipment upto Rs.2.00 lakh

(ii) 20 per cent of total advances to small enterprises sector should go to micro (manufacturing) enterprises with investment in plant and machineries above Rs.5.00 lakh and upto Rs.25.00 lakh, micro (service) enterprises with investment in equipment above Rs. 2.00 lakh and upto Rs.10.00 lakh (Thus, 60 percent of Small enterprises advances should go to the Micro enterprises).

3.

Classification of advances to Micro and Small Enterprises within Priority Sector and Non Priority Sector

3.1 The Micro and Small Enterprises (manufacturing and service) will be Classified under Priority Sector.

3.2 The Small and Micro (Service) enterprises shall include Small Road and Water Transport Operator, Small Business, Professional and Self-employed Persons and all other service enterprises. Retail Trade will not be classified under Micro and Small enterprises (service sector).

3.3 Small Road and Water Transport Operator (SRWTO), Small Business, Professional and Self Employed Persons (PSEP) will be classified as per the original cost of equipments either under Micro or Small Enterprises (service) sector instead of earlier classification/definition of 10 vehicles incase of SRWTO and working capital and /or Term loan limits incase of Small Business/Professional and Self employed persons.

3.4 Bank’s lending to Medium enterprises will not be included under Priority Sector.

4.

Classification of Advances to Micro , Small and Medium Enterprises Sector within Priority Sector

4.1. DIRECT FINANCE:

i. All loans granted to Small Enterprises including Micro Enterprises (both Manufacturing and Services) will be classified under Direct Finance to Micro and Small Enterprises Sector.

ii. Khadi and Village Industries Sector (KVI):

a. All advances granted to units in the KVI sector, irrespective of their size of operation, location and amount of original investment in Plant and Machinery, will be eligible for consideration under the Sub Target (60 percent) of the Small Enterprises segment within the Priority Sector.

4.2 INDIRECT FINANCE:

4.2.1 Indirect Finance to the Small (manufacturing as well as service) Enterprises sector will include credit to:

i. Persons involved in assisting the decentralized sector in the supply of inputs to and marketing of outputs of artisans, village and cottage industries.

ii. Advances to cooperatives of producers in the decentralized sector viz., artisans, village and cottage industries.

iii. Existing investments as on 31st March, 2007, made by banks in special bonds issued by NABARD with the objective of financing exclusively non-farm sector may be classified as Indirect finance to Small Enterprise sector till the date of maturity of such bonds of March 31, 2010, whichever is earlier. Investment in such special bonds made subsequent to March 31, 2007 will, however, not be eligible for such classification

iv. Loans granted by banks to NBFCs for on lending to Small and Micro enterprises (manufacturing as well as service).

5.

CALCULATION OF INVESTMENT FOR PLANT AND MACHINERY

i. In calculating the value of plant and machinery for the purpose of calculating investment limit, the original price thereof, irrespective of whether the plant and machinery are new or second hand shall be taken into account.

ii. The List of Plant and Machinery to be Excluded or included is enclosed per annexure- A.

iii. It is further clarified that cost of Pollution Control, research and development, industrial safety devices and such other items as may be specified by notification, shall be excluded.

6.

Common Guidelines/Instructions for lending to MSME Sector

7.

Parameter

Banks’ Policy

7.1.

Processing of Applications

i. Loan Application

Revised Simplified application form will be used for Micro and Small Enterprise. The existing Common loan Application form applicable to all loans irrespective of limit, will be applicable for Medium Enterprises sector.

ii. Issue of Acknowledgement of Loan Applications:

Each branch will issue an acknowledgement for loan applications received from the borrowers towards financing under this sector and maintain the record of the same.

iii. Disposal of Applications:

In case of Loans up to Rs.25000/- : Within 2 weeks

In case of Loans above Rs.25000 : Within 4 Weeks
(Provided the loan applications are complete in all respects and accompanied by a 'check list' enclosed to the application form).

iv. Register of Receipt/Sanction/Rejection of Applications:

a. A register should be maintained at branch wherein the date of receipt, sanction /disbursement, rejection with reasons, should be recorded. The register should be made available to facilitate verification by the Bank’s officials including Zonal Manager during visit to the branch.

b. Branch Manager may reject application (except in respect of SC/ST). In the case of proposals from SC/ST, rejection should be done at a level higher than Branch Manager.

c. The reason for rejection will be communicated to the borrower in line with stipulation mentioned in the Fair Practice Lenders Code.

v. Photographs of Borrowers

While there is no objection to take photographs of the borrowers, for the purpose of identification, branches themselves should make arrangements for the photographs and also bear the cost of photographs of borrowers falling in the category of Weaker Sections. It should also be ensured that the procedure does not involve any delay in loan disbursement.

7.2.

Composite Loan

A composite loan with maximum limit upto Rs.1.00crore may be considered by bank to enable the Micro and Small Enterprises {both for manufacturing and service sector} to avail of their working capital and Term loan requirement through Single Window.

7.3.

Types of Loans

The Bank may provide all types of funded and non funded facilities to the borrower under this sector viz, Term Loan, Cash Credit, Letter of Credit, Bank guarantee, etc.

8.

Margin

i. While considering proposals under MSME sector, the book debt upto six months may be treated as a current assets, for the purpose of computation of permissible bank finance and drawing power calculation.

ii. The margin on the book debts may also be considered at 20% to 25% on merit of the case.

iii. In regard to age of the book debts, a certificate preferably from Auditors /Chartered Accountant to be obtained.

iv. All book debts more than 180days are to be treated as Non-current asset.

9.

Security

9.1. No collateral or Third party guarantee for advances up to Rs.5.00 Lacs.

9.2. In case of good track record of the borrower Collateral Security and or third party guarantee may be waived beyond Rs. 5.00 Lac but up to Rs.100.00 Lacs, where guarantee cover of 62.50% of the amount of default is available from CGTMSE, in respect of term loan and/or working capital facilities extended to new and existing entrepreneur. It has also been stipulated by CGTMSE that all proposals of sanction of Guarantee approvals for credit facilities above Rs.50.00 Lacs and up to Rs. 100.00 Lacs will have to be rated internally by MLIs and should be of investment grade. Accordingly, all proposals above Rs. 50 Lacs are to be rated on Credit Risk Grading (CRG 2) as per applicable internal rating modules prescribed under Bank’s Credit Risk Management Policy and proposals rated as AB-1 to AB-7 would only be considered as investment grade subjected to other stipulated norms in relevant policies / guidelines. The commission of CGTMSE will be borne by the borrower

9.3. In case of Loan up to Rs.25000.00, minimum Asset Coverage Ratio (Primary Security /Loan amount) would be 1:1. However, in case of schematic lending/specified scheme, the guidelines as applicable will be complied with.

9.4. In case of Loan above Rs.25000/- and up to Rs.10.00 Lacs, a minimum asset coverage ratio must be 1.25:1.

9.5. In case a loan is not covered under CGTMSE scheme for valid reasons, the Security coverage Ratio for such loan above Rs.10.00 Lac will be based on the Risk Rating status of the borrower.

1. Nevertheless, availability of collateral security shall not be the mere criterion for arriving at credit decision.

2. In case of loan accounts not covered under CGTMSE scheme, it may be explored as far as practicable that the credit facilities/loans extended, are supported by collaterals in the form of liquid securities or fixed assets, immovable properties, based on the credit Risks perception.

3. Collateral security shall not be insisted upon in those cases where the RBI directives specifically advised the banks not to insist on obtaining Collateral security /third party guarantee, in certain priority sector credit or Government sponsored schemes.

4. The other guidelines/amendments as per lending policy of the Banks should be closely observed.

10.

Risk Rating, Pricing & Other Service Charges

Risk Rating

i. The RBI has directed to Banks to take steps to rationalize the cost of loans to SME sector by adopting a transparent rating system.

ii. The rating of account may be done under In-House Module or Rating from outside rating Agencies.

a. In House Rating Module: The credit exposure-wise is applicable as under: -

b. Rating from outside rating Agencies:

i. Our Bank has entered into MOU with CRISIL, ONICRA and SMERA, for getting the SME borrowers rated by them.

ii. The National Small and Industries Corporation (NSIC) has been appointed as nodal agency which provides subsidy to the units obtaining Credit rating from any of the empanelled agencies with them. NSIC reimburse 75% of the rating fee of the empanelled agencies to the Micro and Small Enterprises {manufacturing sector i.e. earlier SSI units}.

iii. Validation of the rating will be done as per extant guidelines of the Credit Risk Management.

10.1

Pricing:

The rate of interest to the borrower classified under Micro, Small and Medium Enterprises stands revised with effect from 09.05.2009 as under :

i. The rate of interest will be applicable to both existing and new customers.

ii. In case of SME borrower, the proposed rate of interest will be applicable to those borrowers, who are enjoying the fund based exposure up to Rs.10.00Cr. In case of borrower enjoying fund based exposure more than Rs.10.00Cr.the existing rate on interest will be applicable.

iii. All other terms and conditions for improved pricing, validation of rating etc. will be applicable as per existing policy of MSME.

iv. To promote the branch for more external rating which shows the broaden comparability of rating at all levels , the Bank may allow incentive in rate of interest of 0.50% below the applicable rate in case of Highest and Highrated accounts, for rating done by outside rating Agencies.

v. Zonal Head may allow such incentive on the interest rate.

Concessions on Pricing:

In order to make our pricing of MSME loans more competitive and to provide edge to our field functionaries for getting good accounts in the competitive market, Zonal Head have been delegated authority in terms of Head Office Instruction circular No.9810/PSC/SME/47 dated 30.10.2007, to reduce interest rate in genuine good borrowal accounts as under:

i) Women beneficiaries in all the above cases will be allowed to get an additional benefit of 0.5% over and above the applicable rate and concession rates allowed by Zonal Head.

ii) Zonal Heads while reviewing the existing loan accounts and considering sanction of new connection may exercise the authority.

iii) The concession should be allowed for specific period not exceeding one year or up to next Review of account which ever is less.

iv) In case the Branch is unable to assess original investment criteria, a certificate with regard to investment in plant & machinery/Equipment should be obtained from a Chartered Account.

v) Interest rate fixation in case of schematic lending like PMRY/PMEGP, SGSRY/ other Government sponsored scheme etc will be fixed as per the scheme and no concession will be further allowed to them.

vi) The C&MD/ED (In absence of CMD) may reduce rate of interest in any of the loan facilities up to the cost of deposit on merit of the case.

i) Working capital credit limits to Micro, Small and Medium Enterprises in individual cases up to Rs.5.00 Crore (Manufacturing sector) and upto Rs.2.00 Crore (Service sector) will be computed as per existing guidelines on the basis of minimum 20% of their projected annual turnover (turnover method). However in case of borrower applying for working capital limit higher or lower than the working capital computed on the basis of turnover method shall be assessed as per actual requirement.

ii) For assessment of the working capital requirement for borrowers falling within the band of above Rs.5.00 crores and below Rs.10.00Crore (Manufacturing sector) and above Rs.2.00 Crore and below Rs.10.00 Crore (service sector) the traditional method of computing MPBF as per second method of lending will continue. If any of the borrower falling in this band intends to shift to cash budget system, the same may be accepted.

iii) For borrowers having working capital limit of Rs.10.00 crores and above, Cash Budget system will be applicable.. However, if a borrower is desirous to continue with the existing MPBF system the Bank may accept the request. If any of the borrowers falling in this band intends to shift to cash budget system, the same may be accepted.

11.2.Term Loan :

i. In case of term loan, Debt Equity Ratio (DER) should not normally be above 3:1.However, in case of captital intensive industries, the same may be considered 5.00:1.

ii. In case of Term Loan, minimum Average DSCR of 1.30:1 will be considered as reasonable requirement for any New connection. relaxation may however be considered on merit of the case by the sanctioning authority not below the rank of Zonal Head .

iii. Apart from calculating Debt Service Coverage Ratio (DSCR), it is suggested to observe the expected cash surplus i.e. the cushion available as detailed in the format. The projected closing cash balance at the end of each year must be at least 50% of the proposed repayment of the installment of the term liabilities for the respective year.

iv. Moratorium period depending on requirement of the project/proposal will be considered.

v. The existing moratorium period may be extended by further six months in respect of loans availed by MSMEs where project implementation has been delayed in the current scenario.

vi. The finance for purchase of Gensets will also be considered on merit of the case.

11.3. The technical feasibility and economic, financial, commercial viability,Managerial competence, environment viability and bank-ability of the proposal with reference to risk will be assessed.

11.4. Other benchmark financial ratios like Current Ratios, Tenure etc. will be in line with the Bank’s lending policy.

11.1

Stand by Credit Facility

The assessment of working capital requirements under various methods of assessment is based on the projected build up of current assets/cash gaps /length of the working capital cycle etc. However many a times requests do emanate from the borrowers for drawings over and above the regular sanctioned limits for short periods to over come problems faced due to factors such as bunching of orders, mismatches in cash flow, to make price competitive over competitors etc. In this Back drop it has been decided to have a "Short Term Loan Facility" as under:

a. Eligibility Criteria:

• Existing Borrower with asset classification as standard.

• Satisfactory financial performance in terms of sales / turnover and profits etc.

• Satisfactory dealing with the Bank.

b. Maximum Loan Amount:

Minimum of Rs.25 lac and maximum of Rs. 250 lacs, Subject to

• Up to 25% of Funded limit in case of account with Risk Grading of AB-1.

• Up to 20% of Funded limit in case of account with Risk Grading of AB-2.

• Up to 10% of Funded limit in case of account with Risk Grading of AB-3.

c. Period:

Not exceeding 180 days and it should not be more than once in a Calendar year. In cases where it is required for longer periods or more than once in a calendar year, fresh assessment to be carried out and regular sanction to be obtained.

d. Purpose:

To meet temporary shortfall / mismatch in liquidity, for meeting genuine business requirements only

e. Security :

• Extension of Charge on current assets for the additional facility so that adequate drawing power is available.

• Extension of all existing securities & guarantees of Directors/Partners and Third party guarantees to cover the additional facility.

f. Rate of interest: Not less than regular facility.

g. Other service Charges :As per existing guidelines

h. Discretionary Authority :Not below the rank of Zonal Manager

i. Reporting & documentations: The Reporting & documentations should be as per Bank’s manual, guidelines & policies in this regard.

e. Non-fund Limit :

The non-fund limit may be sanctioned as per need-based requirements of the borrower within the ambit of the bank’s guidelines in this regard. The proposals for non-fund facilities should be dealt with same diligence as in case of funded limits.

f. Discretionary Authority, reporting /monitoring etc. and other guidelines will be observed as per prevailing guidelines of the Bank.

11.2.

Adhoc Facilities

i. The adhoc facility will be granted to the borrower who are rated between AB- 1 and AB-4 to the maximum up to of 20% of the sanctioned limit.

ii. The Adhoc Facility will be allowed only to our existing customers, who are having dealing with us atleast for one year.

iii. The maximum period of adhoc facility will be 90days (export credit maximum tenure of Packing Credit and Post Shipment Credit should not exceed 180days).

iv. Rate of interest will be 1% more than applicable rate.

b. Adhoc Working Capital Demand Loans:

The need based Adhoc Working Capital Demand Loans maximum up to 20% of the existing fund based limits in respect of units having overall fund based credit facility up to Rs.10.00Cr. may be given, which will be repayable in one year with a provision of maximum period of six months during which interest will have to be serviced. (In this regard borrower may avail only one of the under noted facilities at a time:

i. Stand by Credit facility (Refer to Paragraph 11.1)

ii. Adhoc Capital Working Capital Demand Loans

iii. Stand by Credit Facility

12.

Discretionary authority

As per Discretionary Authority circularized by the Bank.

13.

Financing under cluster based approach

i. The cluster based approach should be given a thrust area..

ii. The cluster financing approach reduces the cost of transition to the entrepreneurs

iii. In our 21 Zones, 67 branches nearer to these clusters have been identified (Annexure-B)

iv. The Zonal office/ branches will give due importance for financing of MSME sector in the identified Special Credit Delivery branches and Branches situated near to clusters.

14.

Repayment Schedule

Repayment schedule should be fixed taking into account the sustenance requirements, surplus generating capacity, the break-even point, the life of the asset, etc., and not in an "ad hoc" manner.

In respect of composite loan the repayment schedule may be fixed for term loan component only.

Proper Moratorium period should be taking into consideration as per nature of the project.

15.

Mode of Disbursement of Loan

The disbursement of the loan amount for Plant and Machinery, Equipment and other fixed assets will be made in favour of the supplier through Demand Draft/Banker Cheque. Branches will continue to ensure the end use verification on monthly/quarterly basis.

16.

Review of Portfolio

i. At the Zonal office level, Chief Manager (Credit)/ Senior Manager identified as nodal officers will act as coordinating officer to monitor the functioning, review and the progress in SME financing and to coordinate with other banks/financial institutions and the State Government in removing bottlenecks, if any, to ensure smooth flow of credit to the sector.

ii. Existing SME Financing branches have been permitted to finance Medium Enterprises. Further bank may explore the possibility of opening more branches to cater the specialized requirement to this segment.

iii. The Zonal office will give due importance for financing in the identified Thrust SME Financing Branches and branches situated near to clusters. So far 148 branches and 67 branches nearer to these clusters have been identified in our 21 zones.

vi. Review of progress on MSME lending will be placed before the Board on quarterly basis.

17.

MACHINERY TO LOOK INTO COMPLAINTS

Each Zonal office will form a Committee headed by the Zonal Head at the Z.O. level to look into the complaints and their time bound disposal. The Zonal Head will be the “Nodal Officer” at Z.O. level for redressal of complaints. The Committee will verify periodically that the guidelines under Priority Sector in general and MSME sector in particular are complied by the branches and complaints emanated from non-compliance of these guidelines will be taken up for putting back to track.

The names and addresses with telephone number of the Nodal Officer with whom complaints can be lodged should be displayed on the notice board of every branch.

18.

Debt Restructuring

• A need based second restructuring in case of SME advances will be allowed without downgrading the status of asset into NPA,if restructured/ rephrased/renegotiated by 30.06.2009.

19.

Other Aspects

The other aspects of the Bank’s lending policy/other policy guidelines including discretionary authority will be applicable and the changes made by RBI/Banks guidelines in the matter.

Enterprises

Calculation of Value of Plant & Machinery

Manufacturing Enterprises (Calculation of Value of Plant & Machinery)

“In calculating the value of plant and machinery for the above purpose, the original price thereof, irrespective of whether the plant and machinery are new or second hand shall be taken into account.

In calculating the value of plant and machinery, the following shall be excluded namely: -

i. The cost of equipments such as tools, jigs, dies, moulds and spare parts for maintenance and cost of consumable stores.

ii. The cost of installation of plant and machinery.

iii. The cost of research and development (R&D) equipment and pollution control equipment.

iv. The cost of power generation sets, extra transformer, etc. installed by the undertaking as per the regulations of the State Electricity Board.

v. The Bank charges and services charges paid to the National Small Industries Corporation or the State Small Industries Corporation.

vi. The cost involved in procurement or installation of cables, wiring, bus bars, electrical control panels (not those mounted on individual machines), oil circuit breakers/miniature circuit breakers etc. which are necessarily to be used for providing electrical power to the plant and machinery/safety measures.

vii. The cost of Gas producer plant.

viii. Transportation charges (excluding of taxes e.g. Sales Tax, Excise etc.) for indigenous machinery from the place of manufacturing to the site of the factory.

ix. Charges paid for technical know-how for erection of plant and machinery.

x. Cost of such storage tanks which store raw-material, finished goods only and are not linked with the manufacturing process.

xi. Cost of fire fighting equipment.

xii. Establishing of wind mill/s to generate electricity for captive consumption or partly for captive consumption and remaining power to sell to electricity boards/others.

In the case of imported machinery, the following shall be included in calculating the value :-

1. Import duty (Excluding miscellaneous expenses as transportation from the port to the site of the factory, demurrage pad at the port)

2. The shipping charges.

3. Customs clearance charges and

4. Sales Tax or Value Added Tax

Under MSMED Act-2006, it is clarified that cost of Pollution Control, research and development, industrial safety devices and such other items as may be specified by notification, shall be excluded.

Sl. No.

Name of Zone

Name of Cluster

Name of Branch

1.

Asansol

Bronze Metal Utensils Clusters,
Kenjekuna, Bankura, W.B

Bankura

Nemo Anchuri

Leather Goods, Shantiniketan, W.B

Bolpur

Shantinikatan

2.

Behala

Surgical Instruments, Baruipur, W.B

Subudhipur

3.

Bhubaneshwar

Development of Aeronautic plant in Ganjam, Kewra Dist., Orissa

Gopalpur Court

Brass and Bell Metal, Khurda, Orissa

Khurda

4.

Ahmedabad

The trial runs on Hydrogenation Process for manufacturing of specially oils & Solvents , Gujarat.

Rajkot

5.

Bhopal

Pharmaceuticals, Indore, Bhopal

Indore

Lasudia Mori

Palda

Ready Made Garments , Indore, M.P

Indore

Lasudia Mori

Palda

6.

Chandigarh

Rice Milling, Karnal, Haryana

Kaithal

7.

Chennai

Auto Components cluster Development Programme at Chennai, T.N

Chennai Jawahar Nagar

Mount Road

Thousand Lights

T.Nagar

Anna Nagar

Wet Grinder, Coimbatore, T.N

Coimbatore

Foundry Industries, Belgaum, Karnataka

Belgaum

Ready made Garments, Bangalore, Karnataka

Bangalore

BTM Layout

Jainagar

8.

Dehradun

Surveying Instruments, Roorkee, Uttaranchal

Roorkee

9.

Guwahati

Brass & Bell Metal Units, Hajo, Guwahati, Assam

Hajo

Development of Bamboo & Cane Cluster, Dimapur, Nagaland

Dimapur

10.

Hyderabad

Bulk Drug and Formulation Industry at Medak & Hyderabad

Balanagar

Santoshnagar

Himayatnagar

Secunderabad

Fruit Processing Industry, Chittor, A.P

Tirupati

The Foundry Industry Cluster at Hyderabad, A.P

Balanagar

Santoshnagar

Himayatnagar

Secunderabad

Fan Cluster, Hyderabad

Balanagar

Santoshnagar

Himayatnagar

Secunderabad

Graphite Crucibles, Rajahmundry, A.P

Rajahmundry

Imitation Jewellery, Machilipatnam, A.P

Machilipatnam

Mango Jelly, Kakinada, A.P

Kakinada

Food Processing, Vijayawada, A.P

Vijayawada

Precision components of Machine Tools, Balanagar, Jeedimetla of Kukkatpally, A.P

Balanagar

Santoshnagar

Himayatnagar

Secunderabad

11.

Jaipur

Cluster based on Herbal & Plants at Jhalawar (Neem)

Kota

12.

Kanpur

Cotton Hosiery, Kanpur, U.P

Kanpur Bara Colony

Kanpur City

Swaroop Nagar

PPN Market

Development of Low Cost Gas Fired cupula for Foundry Cluster at Agra, U.P

Agra

Agra City

New Agra

Johari Bazar

Leather & Foot wear, Agra, U.P

Agra

Agra City

New Agra

Johari Bazar

13.

Ludhiana

The Forging Industry at Ludhiana Jallundhar

Chaura Bazar

SSIFB

Link Road

Clock Tower

Development of Auto Parts, Ludhiana

Chaura Bazar

SSIFB

Link Road

Clock Tower

14.

Meerut

The Potter Industry cluster & Khurja, U.P

Khurja

White wares cluster, Khurja, U.P

Khurja

15.

Mirzapur

Pottery, Chunar, Mirzapur

Chunar

16.

Mumbai

Pharmaceuticals, Goa

Mapusa

Basic Drugs, Thane, Navi Mumbai, Maharashtra

Thane

17.

Muzaffarpur

Food Processing,Muzaffurpur, Bihar

Muzaffurpur

Muzaffurpur, JL Road

18.

New Delhi

Readymade Garments, New Delhi

Noida

Krishna Nagar

ChandiniChowk

Karol Bagh

19.

Patna

Brass & German Silver Utensils, Pareb, Patna, Bihar.

Patna Main

Sheikhpura

Patna City

20.

Raipur

Steel Re-rolling Mills, Raipur, Chattisgarh.

Bhillai

Raipur

Telibandha Raipur

Durg

21.

Ranchi

Auto compact, Jamshedpur, Jharkhand

Adityapur

Jamshedpur