Section A: Udyam Registration & MSME Basics
Q1: What is the official website for MSME registration? A: The official portal is udyamregistration.gov.in; registration is free of cost.
Q2: What is the new name for MSME registration? A: It is called Udyam Registration.
Q3: What is the main document required for Udyam Registration? A: Only an Aadhaar number is required for registration.
Q4: Is Udyam Registration free? A: Yes, Udyam Registration is completely free on the government portal.
Q5: What is the validity of the Udyam Registration Certificate? A: The Udyam Registration Certificate has lifetime validity.
Q6: What is a Micro enterprise? A: An enterprise with investment up to ₹1 crore and turnover up to ₹5 crore.
Q7: What is a Small enterprise? A: An enterprise with investment up to ₹10 crore and turnover up to ₹50 crore.
Q8: What is a Medium enterprise? A: An enterprise with investment up to ₹50 crore and turnover up to ₹250 crore.
Q9: Do I need to renew my Udyam Registration? A: No, renewal is not required as it is valid for a lifetime.
Q10: Can a trading business get Udyam Registration? A: Yes, traders can get Udyam Registration for priority sector lending benefits.
Q11: Can I register more than one business with my Aadhaar? A: Yes, multiple enterprises can be registered with a single Aadhaar number.
Q12: I have an old Udyog Aadhaar Memorandum (UAM). Is it valid? A: No, you must migrate your UAM to the new Udyam Registration portal.
Q13: Where can I file a grievance related to MSME issues? A: You can use the CHAMPIONS portal (champions.gov.in) or contact the Ministry of MSME.
Q14: What is the primary role of the Ministry of MSME? A: It formulates policies and administers rules for the MSME sector in India. For details, visit www.msme.gov.in.
Q15: How do I contact the Ministry of MSME for a policy query? A: Email min-msme@nic.in or call 011-23063800.
Q16: Who is the Development Commissioner (MSME)? A: This office, under the Ministry, implements schemes. Contact them at dc-msme@nic.in or 011-23063800.
Q17: Where is the Office of Development Commissioner (MSME) located? A: It is located at Nirman Bhavan, New Delhi-110 108.
Q18: Will my enterprise category change automatically if my turnover increases? A: Yes, the Udyam portal automatically updates your status based on filed GST and ITR data.
Q19: Can an NGO or Trust register for Udyam? A: No, currently, only for-profit enterprises are eligible for Udyam Registration.
Q20: Do I need PAN and GSTIN for Udyam Registration? A: PAN and GSTIN are mandatory from a certain date and are automatically fetched by the system.
Section B: Credit & Financial Assistance
Q21: What is the maximum loan amount under the MUDRA Shishu scheme? A: The maximum loan amount is ₹50,000.
Q22: What is the loan limit for the MUDRA Kishore scheme? A: The loan limit is from ₹50,001 to ₹5,00,000.
Q23: What is the maximum loan under the MUDRA Tarun scheme? A: The maximum loan is from ₹5,00,001 to ₹10,00,000.
Q24: Is collateral required for MUDRA loans? A: No, MUDRA loans are collateral-free.
Q25: What is the Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) scheme? A: It provides collateral-free loans up to ₹5 crore by offering a guarantee to the lending bank.
Q26: Is there a special scheme for women entrepreneurs? A: Yes, the Stand-Up India Scheme provides loans from ₹10 lakh to ₹1 crore to women and SC/ST entrepreneurs.
Q27: What is the Prime Minister’s Employment Generation Programme (PMEGP)? A: It is a credit-linked subsidy scheme for new micro-enterprises, managed by KVIC.
Q28: Who implements the PMEGP scheme at the national level? A: The Khadi and Village Industries Commission (KVIC) is the nodal agency. Contact them at www.kvic.org.in.
Q29: How can I solve the problem of delayed payments from buyers? A: File a complaint on the MSME Samadhaan Portal (samadhaan.msme.gov.in).
Q30: What is the Credit Linked Capital Subsidy Scheme (CLCSS)? A: It provides a 15% upfront capital subsidy for technology upgradation to MSMEs.
Q31: Can I get a loan to purchase raw materials? A: Yes, you can use NSIC’s Raw Material Assistance scheme. Contact NSIC at 1-800-111955.
Q32: My bank is asking for collateral for a ₹8 lakh loan under CGTMSE. What should I do? A: Loans under CGTMSE are collateral-free. You can raise a grievance on the CHAMPIONS portal.
Q33: Can a trading unit get a loan under CGTMSE? A: Yes, retail and wholesale trade are eligible for guarantee cover under CGTMSE.
Q34: What is the interest rate for Stand-Up India loans? A: The rate of interest would be the lowest applicable rate of the bank for that category (rating), not to exceed (base rate (MCLR) + 3% + tenor premium).
Q35: Who is eligible for Stand-Up India? A: SC/ST and/or women entrepreneurs setting up a greenfield (new) enterprise.
Q36: Do I need to contribute my own money for a PMEGP project? A: Yes, a contribution of 5-10% of the project cost is required depending on the category.
Q37: Where can I get help preparing a project report for a bank loan? A: Your nearest MSME-Development and Facilitation Office (MSME-DFO) can assist you.
Q38: Can I get a subsidy on interest payments? A: The Interest Subvention Scheme for MSMEs provides a 2% interest subvention on fresh or incremental loans.
Q39: What is the role of SIDBI for MSMEs? A: The Small Industries Development Bank of India (SIDBI) is the principal financial institution for the promotion, financing, and development of MSMEs.
Q40: How do I apply for a MUDRA loan? A: You can apply directly at a bank or through the udyamimitra.in portal.
Section C: Marketing, Procurement & Export
Q41: How can I sell my products to the government? A: Register on the Government e-Marketplace (GeM) portal and with the National Small Industries Corporation (NSIC).
Q42: What is the Public Procurement Policy for MSEs? A: It mandates central ministries and PSUs to procure at least 25% of their annual requirements from Micro and Small Enterprises (MSEs).
Q43: Is there a sub-target for women-owned MSEs in public procurement? A: Yes, there is a 3% sub-target for procurement from women-owned MSEs within the 25% mandate.
Q44: What is the role of NSIC in marketing? A: NSIC helps with marketing through its consortia formation, marketing intelligence, and participation in exhibitions. Contact them at www.nsic.co.in.
Q45: What is the NSIC toll-free number? A: You can call NSIC at 1-800-111955.
Q46: How can NSIC help me participate in government tenders? A: By registering under its Single Point Registration Scheme (SPRS), you can get benefits like exemption from earnest money deposit (EMD).
Q47: Where is the NSIC head office located? A: It is at NSIC Bhawan, Okhla Industrial Estate, New Delhi-110 020.
Q48: How can I find international buyers for my products? A: The Ministry of MSME’s International Cooperation Scheme helps MSMEs participate in international exhibitions and trade fairs.
Q49: Who can help me with export documentation and procedures? A: Your local MSME-DFO and the Federation of Indian Export Organisations (FIEO) can provide guidance.
Q50: Does the KVIC help in marketing rural industry products? A: Yes, KVIC provides marketing support through its own sales outlets, exhibitions, and online portal. Contact them at www.kvic.org.in.
Q51: How does the Coir Board assist in marketing coir products? A: The Coir Board promotes coir products through market development schemes, exhibitions, and brand promotion. Their toll-free number is 1-800-4259091.
Q52: Where can I get information on marketing my products in a specific region? A: Contact the MSME-DFO of that specific region for local market intelligence.
Q53: What is the “Marketing Assistance Scheme” of the Ministry of MSME? A: This scheme helps MSMEs enhance their marketability by supporting participation in domestic and international trade fairs.
Q54: How can I get my products barcoded? A: The MSME ministry provides a scheme for financial assistance for barcode registration.
Q55: Is there any support for getting a GeM registration? A: Yes, your local MSME-DFO often conducts awareness programs and workshops on GeM registration.
Section D: Technology, Quality & Innovation
Q56: How can I get funding for technology upgradation? A: The Credit Linked Capital Subsidy Scheme (CLCSS) provides a 15% capital subsidy for this purpose.
Q57: What is the ZED Certification Scheme? A: The Zero Defect Zero Effect (ZED) scheme encourages environmentally friendly and high-quality manufacturing.
Q58: What are the benefits of ZED certification? A: ZED-certified MSMEs get preference in procurement, subsidies, and easier access to loans.
Q59: How can I get help with protecting my innovative idea (patent/trademark)? A: The “Building Awareness on Intellectual Property Rights (IPR)” scheme provides financial assistance for filing IPR applications.
Q60: Is there a scheme to support innovative business ideas? A: Yes, the “MSME Innovative” scheme provides financial assistance for developing and commercializing new ideas.
Q61: Where can I find a Tool Room or Technology Center for technical support? A: The Ministry of MSME has a network of Technology Centers (Tool Rooms) across India for technical assistance and training.
Q62: What is the ASPIRE scheme? A: “A Scheme for Promotion of Innovation, Rural Industries and Entrepreneurship” (ASPIRE) sets up business incubators to nurture startups.
Q63: Who can I contact for information on rural industrialization? A: Contact the Mahatma Gandhi Institute for Rural Industrialisation (MGIRI) in Wardha at 0752-253512 or director.mgiri@gmail.com.
Q64: How can I improve the design of my product? A: The “Design Clinic Scheme” provides financial assistance to MSMEs to get professional design support.
Q65: Is there support for adopting lean manufacturing techniques? A: Yes, the “Lean Manufacturing Competitiveness Scheme” provides financial support to implement lean techniques and improve productivity.
Q66: Can I get financial help for energy efficiency audits? A: Yes, the Bureau of Energy Efficiency (BEE) and various MSME schemes provide support for energy audits.
Q67: My business needs digital transformation. Is there any help? A: Several schemes support the adoption of digital tools, and workshops are often conducted by MSME-DFOs.
Q68: Where can I get my products tested for quality? A: The MSME Ministry has a network of MSME Testing Centres and Testing Stations across the country.
Q69: What is the Digital MSME Scheme? A: It aims to encourage MSMEs to adopt ICT tools and digital technologies in their production and business processes.
Q70: How can I get my business ISO certified? A: Financial assistance for obtaining various certifications, including ISO, is available under the MSME schemes.
Section E: Skill Development & Entrepreneurship
Q71: Where can I get training to become an entrepreneur? A: The Entrepreneurship Skill Development Programme (ESDP) is conducted across India by MSME-DFOs and other institutions.
Q72: Who is the primary institute for MSME training and research in India? A: The National Institute for Micro, Small and Medium Enterprises (NI-MSME) in Hyderabad. Contact them at 040-23608544.
Q73: What is the email for NI-MSME’s registrar? A: You can email them at registrar@nimsme.org.
Q74: Is there specific training for rural entrepreneurship? A: Yes, KVIC and MGIRI provide specialized training programs for developing rural industries.
Q75: Can I get training in my specific trade, like leather or food processing? A: Yes, MSME Technology Centers and sector-specific bodies (like CFTI for footwear) provide such training.
Q76: Are there any programs for women who want to start a business? A: Yes, many ESDPs have special batches and programs exclusively for women.
Q77: How can I improve my managerial skills as a business owner? A: NI-MSME offers various Management Development Programmes (MDPs) for owners and managers of MSMEs.
Q78: Does the government provide incubation support for startups? A: Yes, under schemes like ASPIRE and the MSME Innovative Scheme, business incubators provide support to new ventures.
Q79: I am a student. Can I attend any MSME training programs? A: Yes, many programs like Entrepreneurship Awareness Programmes (EAPs) are specifically designed for students.
Q80: Is the training provided by MSME institutions free? A: Some awareness programs are free, while others may have a nominal fee. Subsidies are often available for reserved categories.
Section F: Direct Contact – MSME-DFOs (Local Offices)
(This section generates a large volume of specific Q&As based on the provided PDF)
Q81: What is the phone number for MSME-DFO Agartala? A: You can call them at 0381-2352013 or 0381-2359742.
Q82: What is the email address for the MSME-DFO in Agartala? A: You can email them at dcdi-agartala@dcmsme.gov.in.
Q83: How can I contact the MSME-DFO in Agra? A: Call 0562-2280879 or email dcdi-agra@dcmsme.gov.in.
Q84: What is the fax number for MSME-DFO Agra? A: The fax number is 0562-2280882.
Q85: I need to contact the Chennai MSME-DFO. What is their phone number? A: Their phone numbers are 044-22501011, 044-22501475, and 044-22501785.
Q86: What is the official website for MSME-DFO Chennai? A: The website is www.msmedi-chennai.gov.in.
Q87: How do I get in touch with the MSME-DFO in Cuttack, Odisha? A: Call 0671-2548006 or email dcdi-cuttack@dcmsme.gov.in.
Q88: What are the contact details for the MSME-DFO in Gangtok, Sikkim? A: Phone is 03592-231262 and email is dcdi-gangtok@dcmsme.gov.in.
Q89: How can I reach the MSME-DFO in Margao, Goa? A: Call 0832-2705092 or email dcdi-goa@dcmsme.gov.in.
Q90: What is the phone number for the Guwahati MSME-DFO? A: You can contact them at 0361-2550052 or 0361-2550073.
Q91: How do I contact the Haldwani MSME-DFO office? A: Call 05946-228353 or email dcdi-haldwani@dcmsme.gov.in.
Q92: What are the contact numbers for MSME-DFO Hubli, Karnataka? A: The phone numbers are 0836-2332334, 0836-2330589, and 0836-2335634.
Q93: What is the email for the Imphal MSME-DFO? A: You can reach them at dcdi-imphal@dcmsme.gov.in.
Q94: How can I contact the MSME-DFO in Indore? A: Call 0731-2420723 or email dcdi-indore@dcmsme.gov.in.
Q95: What is the phone number for MSME-DFO Jaipur? A: The phone numbers are 0141-2212098, 0141-2213099, and 0141-2210553.
Q96: What is the email for the Jammu MSME-DFO office? A: The email is dcdi-jammu@dcmsme.gov.in.
Q97: How can I contact the Kanpur MSME-DFO? A: Call 0512-2295070 or email dcdi-kanpur@dcmsme.gov.in.
Q98: What are the contact details for MSME-DFO Karnal? A: Phone is 0184-2230910 and email is dcdi-karnal@dcmsme.gov.in.
Q99: How do I reach the Kolkata MSME-DFO? A: Call 033-25770595 or email dcdi-kolkatta@dcmsme.gov.in.
Q100: What is the phone number for MSME-DFO Ludhiana? A: You can contact them at 0161-2531733 or 0161-2531735.
Q101: What is the contact email for the Mumbai MSME-DFO? A: The email is dcdi-mumbai@dcmsme.gov.in.
Q102: How can I contact the MSME-DFO in Nagpur? A: Call 0712-2510352 or email dcdi-nagpur@dcmsme.gov.in.
Q103: What are the contact details for the New Delhi MSME-DFO in Okhla? A: Phone is 011-26847223 and the website is www.msmedihaldwani.gov.in. (Note: The PDF incorrectly lists Haldwani’s website and email for the Delhi DFO).
Q104: How do I contact the MSME-DFO in Patna? A: Call 0612-2262719 or email dcdi-patna@dcmsme.gov.in.
Q105: What is the phone number for MSME-DFO Raipur? A: The phone number is 0771-2562312.
Q106: How can I contact the Ranchi MSME-DFO? A: Call 0651-2546133 or email dcdi-ranchi@dcmsme.gov.in.
Q107: What are the contact details for MSME-DFO Solan, Himachal Pradesh? A: Phone is 01792-230766 and email is dcdi-solan@dcmsme.gov.in.
Q108: How do I contact the Thrissur MSME-DFO in Kerala? A: Call 0487-2360216 or email dcdi-thrissur@dcmsme.gov.in.
Q109: What is the phone number for the Ahmedabad MSME-DFO? A: You can call them at 079-27540619 or 079-27544248.
Q110: How can I contact the Allahabad MSME-DFO? A: Call 0532-2697468 or email dcdi-allbad@dcmsme.gov.in.
Q111: What are the contact details for the Bangalore MSME-DFO? A: Phone is 080-23151540 and email is dcdi-bang@dcmsme.gov.in.
Q112: How do I contact the Hyderabad MSME-DFO? A: Call 040-23078857 or email dcdi-hyd@dcmsme.gov.in.
Q113: What is the phone number for the Muzaffarpur MSME-DFO? A: The phone number is 0621-2282486.
Q114: How do I contact the MSME Development Institute in Dimapur, Nagaland? A: Call 03862-248552 or email Brdcdi-dima@dcmsme.gov.in.
Q115: What are the contact details for the Visakhapatnam MSME-DFO? A: Phone is 0891-2517942 and email is brdcdi-vish@dcmsme.gov.in.
Section G: Branch MSME-DFOs (Sub-Offices)
Q116: How do I contact the Branch MSME-DFO in Itanagar? A: Call 0360-2291176 or email brmsme.itan@gmail.com.
Q117: What is the phone number for the Branch MSME-DFO in Port Blair? A: The phone number is 03192-252308.
Q118: How can I reach the Silchar Branch MSME-DFO? A: Call 03842-247649 or email brdcdi-silc@dcmsme.gov.in.
Q119: What is the contact number for the Tezpur Branch MSME-DFO? A: The phone number is 03712-221084.
Q120: How do I contact the Durgapur Branch MSME-DFO? A: Call 0343-2547129 or email brdcdi-durg@dcmsme.gov.in.
Q121: What are the contact details for the Varanasi Branch MSME-DFO? A: Phone is 0542-2370621 and email is brdcdi-vara@dcmsme.gov.in.
Q122: How can I contact the Diphu Branch MSME-DFO? A: Call 03761-272549 or email brdcdi-diph@dcmsme.gov.in.
Q123: What is the phone number for the Silvassa Branch MSME-DFO? A: The phone number is 0260-2640933 or 0260-2643103.
Q124: How do I contact the Rajkot Branch MSME-DFO? A: Call 0281-2471045 or email brdcdi-rajk@dcmsme.gov.in.
Q125: What are the contact details for the Bhiwani Branch MSME-DFO? A: Phone is 01664-242236 and email is brdcdi-bhiw@dcmsme.gov.in.
Q126: How can I reach the Srinagar Branch MSME-DFO? A: The phone numbers listed are 0191-2431077 and 0191-2435425.
Q127: What is the contact number for the Dhanbad Branch MSME-DFO? A: The phone number is 0326-2303769 or 0326-230380.
Q128: How do I contact the Mangalore Branch MSME-DFO? A: Call 0824-2217936 or email brdcdi-mang@dcmsme.gov.in.
Q129: What are the details for the Gulbarga Branch MSME-DFO? A: Phone is 08472-420944 and email is brdcdi-gulb@dcmsme.gov.in.
Q130: How can I contact the Gwalior Branch MSME-DFO? A: Call 0751-2422590 or email dcdigwl.msme@gov.in.
Q131: What is the phone number for the Rewa Branch MSME-DFO? A: The phone number is 07662-222448.
Q132: How do I contact the Aurangabad Branch MSME-DFO? A: Call 0240-2485430 or email brdcdi-aura@dcmsme.gov.in.
Q133: What is the contact for the Shillong Branch MSME-DFO? A: Phone is 0364-2223349 and email is brdcdi-shil@dcmsme.gov.in.
Q134: How can I contact the Tura Branch MSME-DFO in Meghalaya? A: Call 03651-222569 or email brdcdi-tura@dcmsme.gov.in.
Q135: What is the phone number for the Aizawl Branch MSME-DFO? A: The phone number is 0389-2323448.
Q136: How do I contact the Rourkela Branch MSME-DFO? A: Call 0661-2507492 or email brdcdi-rour@dcmsme.gov.in.
Q137: What are the details for the Rayagada Branch MSME-DFO? A: Phone is 06852-222268 and email is brdcdi-raya@dcmsme.gov.in.
Q138: How can I contact the Coimbatore Branch MSME-DFO? A: Call 0422-2233956 or email brdcdi-coim@dcmsme.gov.in.
Q139: What is the contact number for the Madurai Branch MSME-DFO? A: The phone number is 0452-2918313.
Q140: How do I contact the Birbhum Branch MSME-DFO in Suri? A: Call 03462-2554402 or email brdcdi-birb@dcmsme.gov.in.
Q141: What is the phone number for the Siliguri Branch MSME-DFO? A: The phone number is 0353-2542487.
Section H: Specific Industry Schemes (KVIC & Coir Board)
Q142: Which organization specifically promotes Khadi and Village industries? A: The Khadi and Village Industries Commission (KVIC) is the main body. Visit www.kvic.org.in.
Q143: How can I contact the KVIC head office in Mumbai? A: Call 022-26714320 or email kvichq@bom3.vsnl.net.in.
Q144: What is the main role of the Coir Board? A: The Coir Board promotes and develops the coir (coconut fiber) industry in India.
Q145: What is the toll-free number for the Coir Board? A: You can call their toll-free number at 1-800-4259091.
Q146: Where is the head office of the Coir Board located? A: It is in Kochi, Kerala, at “Coir House”, M.G. Road, Ernakulam.
Q147: What is the email address for general inquiries at the Coir Board? A: You can send your queries to info@coirboard.org or coirboard@nic.in.
Q148: Can I get financial assistance for setting up a coir processing unit? A: Yes, the Coir Board runs schemes like Coir Udyami Yojana for financial assistance.
Q149: Does KVIC provide training for rural artisans? A: Yes, KVIC conducts numerous training programs for skill development in village industries.
Q150: I want to start a beekeeping (apiary) business. Who should I contact? A: KVIC provides support and assistance for beekeeping under its village industries schemes.
Q151: Are there any schemes for promoting coir products in the domestic market? A: Yes, the Coir Board implements schemes for domestic market promotion, including support for showrooms and marketing events.
Q152: Who can I contact for R&D support for a new Khadi product? A: Contact KVIC’s R&D department through their head office in Mumbai at 022-26714320.
Q153: Is there a scheme for modernizing old Khadi institutions? A: Yes, KVIC runs schemes for strengthening infrastructure of existing weak Khadi institutions.
Q154: How can I get assistance for exporting my coir mats? A: Contact the Coir Board for details on their export market promotion schemes. Call 0484-2351807.
Q155: What is the PMEGP scheme implemented by KVIC? A: The Prime Minister’s Employment Generation Programme (PMEGP) is a major credit-linked subsidy scheme for generating employment.
Section I: Grievance Redressal and Support Portals
Q156: My payment from a PSU is delayed. Which portal should I use? A: You must file a case on the MSME Samadhaan Portal (samadhaan.msme.gov.in).
Q157: A bank is not processing my loan application. Where can I complain? A: You can raise a grievance on the CHAMPIONS Portal (champions.gov.in).
Q158: What is the time limit for filing a delayed payment case on the Samadhaan portal? A: You must file the application within 45 days from the date of delivery of goods or rendering of services.
Q159: Who is the main contact for policy-level grievances? A: The Ministry of MSME, Udyog Bhavan, New Delhi. Email: min-msme@nic.in, Phone: 011-23063800.
Q160: Is there a single point of contact for all MSME-related issues? A: The CHAMPIONS portal acts as a single window system for redressal and support.
Q161: I am facing issues with my Udyam Registration. Who do I contact? A: You can raise a ticket on the Udyam portal or contact your district’s MSME-DFO for assistance.
Q162: The Samadhaan portal is for disputes with whom? A: It is for delayed payment disputes with Central/State Governments, PSUs, and other specified buyers.
Q163: How can I track the status of my complaint on the CHAMPIONS portal? A: You can track it using the registration number provided to you upon filing the grievance.
Q164: Who resolves the cases filed on the MSME Samadhaan portal? A: The cases are forwarded to the Micro and Small Enterprise Facilitation Council (MSEFC) in your state.
Q165: I have a general query about an MSME scheme. Where can I find information? A: Visit the official website www.msme.gov.in or contact your nearest MSME-DFO.
Section J: Documentation, Procedures & Advanced Queries
Q166: What is a Detailed Project Report (DPR)? A: A DPR is a comprehensive document outlining the plan for a proposed project, required for bank loans.
Q167: Who can help me prepare a DPR for my business loan? A: Your local MSME-DFO can provide guidance and templates for preparing a DPR.
Q168: Is a CIBIL score important for getting an MSME loan? A: Yes, a good CIBIL score (credit history) is crucial for loan approval from banks.
Q19: What is “Margin Money” in the context of PMEGP? A: It is the portion of the project cost that the entrepreneur has to contribute from their own pocket (usually 5-10%).
Q170: Can I apply for two different government loan schemes at the same time? A: Generally, you cannot avail subsidies for the same purpose from two different government schemes.
Q171: What is a “Sanction Letter” from a bank? A: It is the official document from a bank confirming the approval of your loan, detailing terms and conditions.
Q172: Do I need to have a current bank account for Udyam Registration? A: While not mandatory for registration itself, a business bank account is essential for all transactions and loan applications.
Q173: How can I calculate my investment in plant and machinery for the MSME definition? A: It should be calculated as per the value mentioned in your Income Tax Return (ITR), excluding land and building.
Q174: My Udyam certificate has an error. How do I correct it? A: You can use the “Update Details” option on the Udyam Registration portal to make corrections.
Q175: What is the “Single Point Registration Scheme (SPRS)” of NSIC? A: It is a scheme to register MSEs to participate in government purchases, offering benefits like EMD exemption.
Q176: How do I contact NSIC for SPRS related queries? A: Call their toll-free number 1-800-111955 or email info@nsic.co.in.
Q177: What is GeM? A: Government e-Marketplace (GeM) is the national public procurement portal for common use goods and services.
Q178: Do MSMEs get any preference on the GeM portal? A: Yes, there are several benefits, including preferences for products manufactured by MSEs.
Q179: What is the “Make in India” initiative’s connection to MSMEs? A: MSMEs are central to the “Make in India” initiative, driving domestic manufacturing and innovation.
Q180: What is TReDS? A: Trade Receivables Discounting System (TReDS) is a platform for MSMEs to finance their invoices, helping solve delayed payment issues.
Q181: How can I register my business on TReDS? A: You can register on TReDS platforms like RXIL, M1xchange, or Invoicemart.
Q182: Can I get a subsidy for getting a patent for my invention? A: Yes, the “Building Awareness on Intellectual Property Rights (IPR)” scheme offers financial support for patent registration.
Q183: Who should I contact for skill development training? A: Contact your local MSME-DFO or the National Institute for MSME (NI-MSME) in Hyderabad at 040-23608544.
Q184: What is the email for NI-MSME? A: The registrar’s email is registrar@nimsme.org.
Q185: What is the difference between a grant and a loan? A: A loan has to be repaid (usually with interest), while a grant is a non-repayable fund given for a specific purpose.
Q186: Does the government provide grants to start a business? A: Most government support is in the form of subsidized loans and credit-linked subsidies, not direct grants for starting a business.
Q187: How do I find out about local MSME events and workshops? A: Regularly check the website of your state’s MSME-DFO and the main Ministry of MSME website.
Q188: What is the Udyam Assist Platform (UAP)? A: It is a platform to bring Informal Micro Enterprises (IMEs) into the formal ambit and enable them to avail benefits under Priority Sector Lending.
Q189: Who is the Hon’ble Union Minister for MSME as of June 2024? A: Shri Jitan Ram Manjhi.
Q190: Who is the Hon’ble Minister of State for MSME as of June 2024? A: Sushri Shobha Karandlaje.
Q191: What is the government’s vision for MSMEs? A: To make them globally competitive and a key driver for a self-reliant India (“Atmanirbhar Bharat”).
Q192: Can a partnership firm apply for Udyam Registration? A: Yes, a partnership firm can register for Udyam using the managing partner’s Aadhaar number.
Q193: What is the address of the Ministry of MSME? A: Udyog Bhavan, New Delhi – 110 107.
Q194: What are the working hours of a typical MSME-DFO? A: They generally follow standard government office hours, typically 9:30 AM to 6:00 PM on weekdays.
Q195: Can I visit the Ministry of MSME office directly for a query? A: It is always better to first approach your local MSME-DFO, and then escalate if needed.
Q196: Where can I find a comprehensive list of all MSME schemes? A: A detailed list is available on the main website, www.msme.gov.in.
Q197: My business is located in a rural area. Are there extra benefits? A: Yes, schemes like PMEGP offer a higher rate of subsidy for units established in rural areas.
Q198: I belong to a special category (SC/ST/OBC). Are there additional benefits? A: Yes, many schemes offer higher subsidies, lower margin money requirements, and other relaxations for special categories.
Q199: How can I register for the Public Procurement Policy? A: You need to get Udyam Registration and can also register with NSIC under its SPRS scheme.
Q200: What is the tagline on the back cover of the MSME Schemes booklet? A: “The Future Depends On What You Do Today” – Mahatma Gandhi.
Section K: Scheme-Specific Deep Dive
PMEGP (Prime Minister’s Employment Generation Programme)
Q201: What is the maximum project cost for a manufacturing unit under PMEGP? A: The maximum project cost is ₹50 lakh.
Q202: What is the maximum project cost for a service/trading unit under PMEGP? A: The maximum project cost is ₹20 lakh.
Q203: What is the subsidy rate for a General Category entrepreneur in an urban area under PMEGP? A: The subsidy rate is 15% of the project cost.
Q204: What is the subsidy rate for a General Category entrepreneur in a rural area under PMEGP? A: The subsidy rate is 25% of the project cost.
Q205: What is the subsidy rate for a Special Category (SC/ST/OBC/Women, etc.) entrepreneur in an urban area under PMEGP? A: The subsidy rate is 25% of the project cost.
Q206: What is the subsidy rate for a Special Category entrepreneur in a rural area under PMEGP? A: The subsidy rate is 35% of the project cost.
Q207: What is the borrower’s contribution for a General Category applicant under PMEGP? A: The borrower must contribute 10% of the project cost.
Q208: What is the borrower’s contribution for a Special Category applicant under PMEGP? A: The borrower must contribute 5% of the project cost.
Q209: Who are the implementing agencies for PMEGP? A: KVIC is the nodal agency. It is also implemented by State KVI Boards (KVIBs) and District Industries Centres (DICs).
Q210: How do I contact KVIC, the nodal agency for PMEGP? A: Visit www.kvic.org.in or call their Mumbai head office at 022-26714320.
Q211: Is any collateral required for loans under PMEGP? A: No collateral is required for projects costing up to ₹10 lakh. For projects above that, banks may use the CGTMSE scheme.
Q212: Is there an age limit for applying to PMEGP? A: Yes, the applicant must be above 18 years of age.
Q213: What is the minimum educational qualification for PMEGP? A: For projects costing above ₹10 lakh (manufacturing) or ₹5 lakh (service), the applicant must have passed at least 8th standard.
Q214: Can an existing unit get a loan under PMEGP? A: No, PMEGP is only for setting up new viable micro-enterprises.
Q215: Do I need to undergo training after my PMEGP loan is sanctioned? A: Yes, a mandatory 2-week Entrepreneurship Development Programme (EDP) training is required after sanction.
CGTMSE (Credit Guarantee Fund Scheme for Micro & Small Enterprises)
Q216: What is the maximum loan amount covered under the CGTMSE scheme? A: The maximum credit facility that can be covered is ₹5 crore per eligible borrower.
Q217: Is CGTMSE a loan scheme? A: No, it is a guarantee scheme. The loan is given by a bank, and CGTMSE provides the guarantee against that loan.
Q218: Which types of enterprises are eligible for CGTMSE cover? A: New and existing Micro and Small Enterprises are eligible. Medium enterprises are not covered.
Q219: Do I have to apply to CGTMSE separately? A: No, the lending bank or financial institution applies for the guarantee cover on your behalf.
Q220: Is there a fee for the CGTMSE guarantee? A: Yes, the borrower has to pay an annual guarantee fee to the bank.
Q221: Can a retail trader get a loan under CGTMSE? A: Yes, retail trade activities are eligible for guarantee cover under the scheme.
Q222: Which financial institutions are eligible to provide loans under CGTMSE? A: Most scheduled commercial banks (Public and Private), Regional Rural Banks, and select NBFCs are eligible.
Q223: Can I get a loan for a service sector enterprise under CGTMSE? A: Yes, manufacturing and service sector enterprises are both eligible.
Q224: The bank manager says my business is “high-risk” and refuses CGTMSE cover. What can I do? A: While the decision rests with the bank, you can raise a grievance on the CHAMPIONS portal if you feel the rejection is unfair.
Q225: Does CGTMSE cover term loans and working capital? A: Yes, the guarantee covers both term loan (for assets) and working capital facilities.
Stand-Up India Scheme
Q226: Who is the target audience for the Stand-Up India scheme? A: The scheme targets women and Scheduled Caste (SC) or Scheduled Tribe (ST) entrepreneurs.
Q227: What is the loan amount provided under Stand-Up India? A: The loan amount is between ₹10 lakh and ₹1 crore.
Q228: What is the purpose of the loan under Stand-Up India? A: The loan is for setting up a new “greenfield” enterprise in manufacturing, services, or the trading sector.
Q229: What does “greenfield enterprise” mean? A: It means the first-time venture of the beneficiary in the manufacturing, services, or trading sector.
Q230: What is the borrower’s contribution (margin money) in the Stand-Up India scheme? A: The borrower needs to bring in at least 10% of the project cost.
Q231: Is collateral required for loans under Stand-Up India? A: The loan may be secured by collateral, or it can be covered under the guarantee of the CGTMSE scheme.
Q232: How many people can a bank branch lend to under this scheme? A: Each bank branch is mandated to facilitate loans for at least one SC/ST borrower and at least one woman borrower.
Q233: In the case of a non-individual enterprise, what is the holding criteria for an SC/ST/Woman entrepreneur? A: The SC/ST or woman entrepreneur must hold at least 51% of the shareholding and controlling stake.
Q234: What is the repayment period for a Stand-Up India loan? A: The loan is repayable in 7 years with a maximum moratorium period of 18 months.
Q235: Where can I apply for a Stand-Up India loan? A: You can apply directly at a bank branch or through the Stand-Up India portal (standupmitra.in).
Section L: Procedural and “What If” Scenarios
Q236: What if my Aadhaar authentication fails during Udyam Registration? A: Ensure the name on your Aadhaar and PAN cards match exactly. If the problem persists, contact the UIDAI support.
Q237: What if I forget my Udyam password? A: You can use the ‘Forgot Password’ option on the Udyam login page to reset it via your registered mobile/email.
Q238: What if my bank rejects my MUDRA loan application? A: The bank must provide the reason for rejection in writing. You can then try applying at another bank or raise a grievance.
Q239: What if I default on my MSME loan repayment? A: Defaulting will negatively impact your CIBIL score and can lead to legal action by the bank to recover the amount.
Q240: What if I entered the wrong bank details in my Udyam Registration? A: You can log in and use the ‘Update/Cancel Udyam Registration’ link to correct your details.
Q241: What if my Udyam certificate is not generated immediately after registration? A: It usually takes a few hours. If it takes longer, check your registered email or the portal for any discrepancy notifications.
Q242: What if I want to close my business and cancel my Udyam Registration? A: There is a provision on the Udyam portal to formally cancel your registration.
Q243: What if a government department doesn’t respond to my complaint on the Samadhaan portal? A: The portal has an escalation mechanism, and the MSE Facilitation Council will take up the matter as per the MSMED Act.
Q244: What if I lose my printed Udyam certificate? A: You can log in to the Udyam portal anytime and print a fresh copy of your e-certificate.
Q245: What if I don’t have a PAN card? Can I still get Udyam Registration? A: No, a PAN card is mandatory for Udyam Registration.
Section M: Role of Different Agencies
Q246: What is the role of a District Industries Centre (DIC)? A: A DIC is a district-level office that helps implement government schemes and provides local support to entrepreneurs.
Q247: In the PMEGP application, what is the difference between KVIC, KVIB, and DIC? A: These are the three implementing agencies you can choose to apply through. KVIC is national, KVIB is state-level, and DIC is district-level.
Q248: What is the role of a bank in a subsidy scheme like PMEGP? A: The bank appraises the project, sanctions the loan, and then claims the subsidy from the government agency (like KVIC) on your behalf.
Q249: What is the role of SIDBI? A: SIDBI (Small Industries Development Bank of India) is the principal financial institution that refinances loans and manages funds for the MSME sector.
Q250: What is the primary function of NSIC? A: NSIC (National Small Industries Corporation) focuses on promoting and supporting MSMEs through marketing, technology, and finance services.
Q251: How do I contact the head office of NSIC in New Delhi? A: Call 011-26926275 or use the toll-free number 1-800-111955.
Q252: What is the role of an MSME-DFO? A: An MSME-DFO (Development and Facilitation Office) is a field office of the Ministry that provides direct, on-the-ground support, training, and guidance.
Q253: How do I find the contact details for the MSME-DFO in my state capital? A: You can refer to the official contact list on the DC-MSME website or the provided PDF. For example, for Jaipur, the number is 0141-2212098.
Q254: Who implements the ZED (Zero Defect Zero Effect) scheme? A: The Quality Council of India (QCI) is the main implementing agency for the ZED scheme.
Q255: What is the role of the Coir Board for the coir industry? A: It is a statutory body responsible for the overall sustainable development of the coir industry. Contact them at their Kochi office at 0484-2351900.
Section N: Glossary and Definitions
Q256: What does “Collateral” mean in a loan? A: It is an asset or property that a borrower offers to a lender to secure a loan.
Q257: What is “Working Capital”? A: It is the capital used in a company’s day-to-day trading operations, calculated as current assets minus current liabilities.
Q258: What is a “Term Loan”? A: It is a loan from a bank for a specific amount that has a specified repayment schedule and a fixed or floating interest rate.
Q259: What does “Moratorium Period” mean? A: It is a period during the loan term when the borrower is not required to make any repayment (EMI).
Q260: What is “Margin Money”? A: It is the down payment or the portion of the project cost that the borrower contributes from their own sources.
Q261: Who is a “Nodal Agency”? A: It is the main government body responsible for implementing a particular scheme (e.g., KVIC is the nodal agency for PMEGP).
Q262: What is an “SME”? A: It stands for Small and Medium Enterprise. The term is often used interchangeably with MSME.
Q263: What does “PSU” stand for? A: It stands for Public Sector Undertaking, which is a state-owned enterprise in India.
Q264: What is an “NBFC”? A: It stands for a Non-Banking Financial Company, which provides banking services but does not hold a banking license.
Q265: What is “GeM”? A: It stands for Government e-Marketplace, the online procurement portal of the Government of India.
Section O: Procurement and Marketing Schemes
Q266: What is the mandatory procurement percentage for Central Government Ministries and PSUs from MSEs? A: A minimum of 25% of their total annual purchases must be from Micro and Small Enterprises (MSEs).
Q267: Is there a special procurement quota for MSEs owned by SC/ST entrepreneurs? A: Yes, a 4% sub-target within the 25% quota is reserved for procurement from MSEs owned by SC/ST entrepreneurs.
Q268: Is there a procurement quota for women-owned MSEs? A: Yes, a 3% sub-target within the 25% quota is reserved for procurement from MSEs owned by women.
Q269: How can the GeM portal help my business? A: It provides a direct online platform to sell your products and services to government departments and PSUs.
Q270: Is it free to register as a seller on the GeM portal? A: Yes, seller registration on GeM (gem.gov.in) is free of cost.
Q271: What is a “Vendor Development Programme”? A: It is a program where large buyers like PSUs meet MSME suppliers to develop them as future vendors.
Q272: Who organizes Vendor Development Programmes? A: They are often organized by MSME-DFOs in collaboration with Central Public Sector Undertakings (PSUs).
Q273: How can I get financial assistance to exhibit my products abroad? A: You can apply under the Ministry’s “International Cooperation Scheme”.
Q274: What expenses are subsidized under the International Cooperation Scheme? A: The scheme provides subsidies on airfare and stall charges for participating in international trade fairs.
Q275: What is the MSME Global Mart? A: It is a B2B web portal developed by NSIC to promote MSMEs in the global market. Contact NSIC at 1-800-111955.
Q276: What does EMD stand for in a tender? A: Earnest Money Deposit. It is a security deposit submitted by bidders.
Q277: How can I get an exemption from paying EMD in government tenders? A: By registering your enterprise with NSIC under its Single Point Registration Scheme (SPRS).
Q278: Is the NSIC SPRS registration free? A: No, there is a registration fee which is based on the turnover of the enterprise.
Q279: How can I find government tenders for my products? A: You can use the Central Public Procurement Portal (eprocure.gov.in) and the GeM portal.
Q280: Does the Coir Board help in test marketing new coir products? A: Yes, the Coir Board provides assistance for test marketing innovative coir products. Contact them at 1-800-4259091.
Section P: Technology and Quality Schemes
Q281: What are the different certification levels in the ZED scheme? A: The levels are Bronze, Silver, Gold, Diamond, and Platinum.
Q282: Is financial assistance available for obtaining ZED certification? A: Yes, the government provides a subsidy on the total cost of ZED certification.
Q283: What is the main aim of the “Lean Manufacturing Competitiveness Scheme”? A: To improve the competitiveness of MSMEs by reducing waste and increasing productivity through lean techniques.
Q284: What does “Lean Manufacturing” primarily focus on? A: It focuses on minimizing waste in the manufacturing process without sacrificing productivity.
Q285: How much is the government’s contribution in the Lean Manufacturing scheme? A: The government contributes 80% of the consultant’s fee, with the remaining 20% borne by the beneficiary unit.
Q286: What is the purpose of the “Design Clinic Scheme”? A: It aims to improve the competitiveness of MSMEs by providing them with professional design expertise.
Q287: How can I apply for the IPR (Intellectual Property Rights) schemes? A: You can apply through your nearest MSME-DFO.
Q288: Does the MSME IPR scheme cover the cost of foreign patent filing? A: Yes, it provides financial assistance for both domestic and foreign patent filing.
Q289: What is the function of an MSME Technology Centre (Tool Room)? A: They provide technical training, tooling support, and consultancy to MSMEs.
Q290: Can an MSME Technology Centre help me create a prototype? A: Yes, assisting in the development of prototypes and product design is one of their key services.
Q291: What is the “Digital MSME” scheme about? A: It encourages MSMEs to adopt information and communication technology (ICT) tools in their business processes.
Q292: Can I get a subsidy for purchasing new software for my business? A: The Digital MSME scheme provides subsidies on the adoption of various digital tools and software.
Q293: How can I get my electrical products tested for safety standards? A: You can use the services of MSME Testing Centres and Stations spread across the country.
Q294: Is there a scheme to support women in technology? A: While not a separate scheme, all technology schemes encourage participation from women entrepreneurs, often with added benefits.
Q295: What is the CLCSS-TUS scheme? A: It is the Credit Linked Capital Subsidy – Technology Upgradation Scheme, which helps MSMEs upgrade their technology.
Section Q: Cluster Development & Infrastructure
Q296: What does SFURTI stand for? A: Scheme of Fund for Regeneration of Traditional Industries.
Q297: What is the primary objective of the SFURTI scheme? A: To organize traditional industries and artisans into clusters to make them competitive and sustainable.
Q298: Who are the main beneficiaries of the SFURTI scheme? A: Artisans and workers in traditional industries like khadi, coir, bamboo, handicrafts, etc.
Q299: What is a Common Facility Centre (CFC) under SFURTI? A: It is a centre with machinery and facilities that can be used collectively by all artisans in a cluster.
Q300: What is the MSE-CDP scheme? A: Micro & Small Enterprises – Cluster Development Programme.
Q301: How is MSE-CDP different from SFURTI? A: MSE-CDP focuses on clusters of modern MSMEs (like engineering, pharma), while SFURTI focuses on traditional, artisan-based industries.
Q302: What kind of assistance is provided under MSE-CDP? A: It provides financial assistance for creating Common Facility Centres (CFCs) and developing infrastructure in industrial estates.
Q303: Can a group of entrepreneurs apply to set up a new industrial estate? A: Yes, the MSE-CDP scheme supports the development of new industrial estates by providing grants for infrastructure.
Q304: How do I find out if there is an MSME cluster for my industry in my area? A: You can contact your local MSME-DFO or the State Directorate of Industries for this information.
Q305: Who implements the SFURTI scheme for coir clusters? A: The Coir Board is a key nodal agency for implementing SFURTI in the coir sector. Contact them at 1-800-4259091.
Section R: North-East Region & Special Areas
Q306: Are there special benefits for entrepreneurs from the North-Eastern Region (NER)? A: Yes, most MSME schemes have special provisions, higher subsidies, and relaxed norms for the NER states.
Q307: What is the subsidy rate for PMEGP in the North-Eastern Region? A: The subsidy is higher, at 25% (urban) and 35% (rural) for the general category itself.
Q308: Is there a specific scheme just for the NER? A: The North East Industrial Development Scheme (NEIDS) provides specific incentives for setting up industries in the NER.
Q309: Are transport subsidies available for units in hilly or remote areas? A: Yes, specific industrial policies for hilly states and remote areas often include freight/transport subsidies.
Q310: I want to start a business in Jammu & Kashmir. Are there special incentives? A: Yes, the J&K Industrial Policy provides a package of incentives, including capital investment and interest subsidies.
Q311: How can I contact the MSME-DFO in Guwahati for NER-related queries? A: Call 0361-2550052 or email dcdi-guwahati@dcmsme.gov.in.
Q312: Is the margin money contribution lower for entrepreneurs from the NER? A: Yes, in many schemes like PMEGP, the margin money contribution is lower (5%) for all categories from the NER.
Q313: How do I contact the MSME-DFO in Shillong? A: You can contact the Branch MSME-DFO in Shillong at 0364-2223349.
Q314: Are there special skill development programs for the youth of the NER? A: Yes, dedicated programs are often run by the Ministry of Skill Development & Entrepreneurship and the Ministry of MSME for the NER.
Q315: What about incentives for setting up units in the Andaman & Nicobar Islands? A: Special industrial policies provide incentives. Contact the Branch MSME-DFO in Port Blair at 03192-252308.
Section S: Miscellaneous & Advanced Scenarios
Q316: My business is in the food processing sector. Are there specific schemes for me? A: Yes, the Ministry of Food Processing Industries (MoFPI) runs several schemes like PMFME (PM Formalisation of Micro food processing Enterprises).
Q317: I want to start a business related to fisheries. Who should I contact? A: You should explore schemes under the Department of Fisheries and the Pradhan Mantri Matsya Sampada Yojana (PMMSY).
Q318: Can a home-based business get Udyam Registration? A: Yes, if it meets the definition of a micro-enterprise, a home-based business can be registered.
Q319: I am a service provider working as a freelancer. Can I register as an MSME? A: Yes, individual service providers and freelancers can register as micro-enterprises.
Q320: Can I get an MSME loan for an agricultural activity like dairy farming? A: While core agriculture is separate, allied activities and agro-processing units are often eligible under MSME schemes.
Q321: What is the “Atmanirbhar Bharat” package’s relevance to MSMEs? A: The Atmanirbhar Bharat package introduced several key measures for MSMEs, including the revised definition and the Emergency Credit Line Guarantee Scheme (ECLGS).
Q322: Can a Non-Resident Indian (NRI) start an MSME in India and get benefits? A: Yes, NRIs can invest in MSMEs as per FDI policy, but eligibility for specific government schemes may have residency conditions.
Q323: My company is a startup recognized by the DPIIT. Do I get extra benefits? A: Yes, DPIIT-recognized startups have access to specific benefits under the Startup India initiative, some of which overlap with MSME schemes.
Q324: Can I convert my proprietorship firm to a private limited company and keep my Udyam Registration? A: You will need to apply for a fresh Udyam Registration with the new PAN of the private limited company.
Q325: I want to set up a solar power plant for my factory. Is there a subsidy? A: Yes, you can avail benefits under the schemes run by the Ministry of New and Renewable Energy (MNRE).
Section T: MSMEs and Taxation
Q326: Do MSMEs get any benefits under the Income Tax Act? A: Yes, there are several benefits, including presumptive taxation schemes that allow MSMEs to pay tax at a fixed rate of their turnover.
Q327: What is the presumptive taxation scheme under Section 44AD? A: Eligible businesses can declare profits at 8% (or 6% for digital transactions) of their turnover, without maintaining detailed books of accounts.
Q328: What is the turnover limit for availing the presumptive taxation scheme under Section 44AD? A: The total turnover or gross receipts in the previous year should not exceed ₹2 crore.
Q329: Are there any GST benefits for MSMEs? A: Yes, businesses with an aggregate turnover of up to ₹40 lakh (for goods) are exempt from GST registration. The limit is ₹20 lakh for services.
Q330: What is the GST Composition Scheme? A: It is a simplified scheme for small taxpayers to pay GST at a fixed rate of turnover. The turnover limit is generally ₹1.5 crore.
Q331: What is an e-invoice under GST? A: It is a system where B2B invoices are electronically authenticated by GSTN for further use on the common GST portal.
Q332: Is e-invoicing mandatory for all MSMEs? A: No, it is being implemented in a phased manner. It is mandatory for businesses with a specified aggregate annual turnover (check gst.gov.in for current limits).
Q333: Does the government provide any support for adopting accounting software? A: Yes, the Digital MSME scheme may provide support for the adoption of accounting and other business software.
Q334: I have paid excess GST. How can I get a refund? A: You can apply for a refund on the common GST portal (gst.gov.in) by filing the relevant forms.
Q335: Where can I get help with my GST-related queries? A: You can contact the GST Seva Kendras, your local MSME-DFO, or refer to the resources on the official GST website.
Section U: Legal, Labour, and Environmental Compliance
Q336: Do I need to get a “trade license” to start my business? A: Yes, a trade license is a basic license required to operate a business in a particular municipal area. It is issued by the local municipal corporation.
Q.337: What is “Shram Suvidha Portal”? A: It is a single online portal for transparent and accountable labour law compliance. (shramsuvidha.gov.in).
Q338: Do I need to get environmental clearance for my manufacturing unit? A: It depends on the nature and scale of your industry. You need to check the categorization (Red, Orange, Green, White) by the State Pollution Control Board.
Q339: Are there any relaxations in labour laws for MSMEs? A: The new labour codes aim to simplify compliance. Some states also provide specific exemptions for smaller units.
Q340: What is a Shops and Establishment Act registration? A: It is a mandatory registration for most businesses (including shops, offices, hotels) to regulate working conditions, hours, etc. It is a state-specific law.
Q341: Do I need to provide PF (Provident Fund) benefits to my employees? A: EPFO social security schemes are mandatory for establishments employing 20 or more persons.
Q342: What about ESI (Employees’ State Insurance)? A: ESI is applicable to non-seasonal factories employing 10 or more persons, and for other establishments employing 10 or more persons in notified areas.
Q343: What is the purpose of the ZED scheme from an environmental perspective? A: The “Zero Effect” part of the ZED scheme aims to encourage MSMEs to adopt environmentally friendly practices and minimize their ecological footprint.
Q344: Where can I get information on the specific licenses required for my business? A: The National Single Window System (nsws.gov.in) portal is a good resource. You can also consult your local DIC or a legal professional.
Q345: I want to set up a food business. What is the most important license I need? A: You will need a license from the Food Safety and Standards Authority of India (FSSAI).
Section V: Localised Questions (Madhya Pradesh)
Q346: Who is the primary contact for MSME support in Bhopal, Madhya Pradesh? A: You should contact the MSME-Development & Facilitation Office (DFO) located in Indore for the region.
Q347: What are the contact details for the MSME-DFO in Indore? A: Phone is 0731-2420723, and email is dcdi-indore@dcmsme.gov.in.
Q348: Is there a Branch MSME-DFO office in Bhopal? A: You should check with the Indore DFO for information on any camp offices or local representatives in Bhopal.
Q349: What is the role of the District Industries and Trade Centre (DITC) in Madhya Pradesh? A: The DITC (equivalent to DIC in other states) is your first point of contact at the district level for implementing state and central schemes.
Q350: Is there a specific MSME policy for Madhya Pradesh? A: Yes, Madhya Pradesh has its own MSME Development Policy which provides additional state-level incentives.
Q351: Where can I find information on the Madhya Pradesh government’s MSME schemes? A: You can visit the official website of the MSME Department, Government of Madhya Pradesh.
Q352: I want to set up a unit in an industrial area near Bhopal like Mandideep. Who should I contact? A: You should contact the MP Industrial Development Corporation (MPIDC) for information on land allotment and infrastructure.
Q353: Are there any specific startup policies in Madhya Pradesh? A: Yes, the MP Startup Policy provides support, incubation facilities, and financial assistance to new startups in the state.
Q354: How can I contact the MSME-DFO branch in Gwalior? A: You can call them at 0751-2422590 or email dcdigwl.msme@gov.in.
Q355: What about the MSME-DFO branch in Rewa? A: The contact number is 07662-222448 and the email is brdcdi-reva@dcmsme.gov.in.
Section W: Future Trends & Digital Transformation
Q356: What is Industry 4.0 and how is it relevant to MSMEs? A: It refers to the fourth industrial revolution, involving automation, data, and AI. MSMEs can adopt these technologies to improve efficiency and competitiveness.
Q357: Are there schemes to help MSMEs adopt AI and IoT? A: The Digital MSME scheme and other technology upgradation schemes are being enhanced to support the adoption of these new technologies.
Q358: I want to sell my products online. Where do I start? A: You can start by registering as a seller on major e-commerce platforms like Amazon, Flipkart, or the Government’s GeM portal.
Q359: How can I use social media to market my business? A: You can create business pages on platforms like Instagram, Facebook, and LinkedIn to showcase your products, engage with customers, and run targeted ads.
Q360: What is ONDC (Open Network for Digital Commerce)? A: ONDC is a government-backed initiative to create an open network for e-commerce, allowing small sellers to be more discoverable and not be dependent on large platforms.
Q361: Are there any schemes to help MSMEs export through e-commerce? A: Yes, many schemes are being adapted to support e-commerce exports, which is a growing channel for reaching global customers.
Q362: What are “Green Technologies” for MSMEs? A: These are technologies that are environmentally friendly, such as solar power, waste-to-energy systems, and water conservation methods.
Q363: Is there financial support for setting up a “Green” manufacturing unit? A: Yes, schemes like ZED and other environmental schemes provide incentives and subsidies for adopting green technologies.
Q364: How can I protect my business from cyber-attacks? A: It’s important to use genuine software, secure your Wi-Fi networks, use strong passwords, and train your employees on cybersecurity best practices.
Q365: What is the future outlook for MSMEs in India for 2025-26? A: The outlook is positive, with a strong government focus on making MSMEs more competitive, integrated with global value chains, and digitally empowered.
Section X: Focus on Women Entrepreneurs
Q366: What is the target for procurement from women-owned MSEs under the Public Procurement Policy? A: There is a 3% sub-target within the mandatory 25% procurement from MSEs, reserved for businesses owned by women.
Q367: Are there any schemes that provide collateral-free loans specifically for women? A: The Stand-Up India scheme mandates loans for women entrepreneurs, and these can be covered under CGTMSE for collateral security.
Q368: Is the margin money contribution lower for women in the PMEGP scheme? A: Yes, women entrepreneurs fall under the “Special Category,” and their required contribution is only 5% of the project cost.
Q369: What is the “TREAD” (Trade Related Entrepreneurship Assistance and Development) scheme for women? A: It is a scheme to promote women entrepreneurs by providing a package of credit, training, and counseling.
Q370: Who provides the grant under the TREAD scheme? A: The Government of India provides a grant of up to 30% of the total project cost to Non-Governmental Organisations (NGOs) for assisting women.
Q371: Are there special training programs organized for women entrepreneurs? A: Yes, MSME-DFOs and NI-MSME regularly conduct Entrepreneurship Skill Development Programmes (ESDPs) exclusively for women.
Q372: What defines a “women-owned” enterprise? A: It is an enterprise where one or more women entrepreneurs have a shareholding of not less than 51%.
Q373: Where can women entrepreneurs find mentorship and networking opportunities? A: Platforms like the WEP (Women Entrepreneurship Platform) by NITI Aayog provide an ecosystem for mentorship and support.
Q374: Can a Self-Help Group (SHG) of women apply for a group enterprise loan? A: Yes, schemes like PMEGP allow for SHGs to apply for project loans, provided they haven’t availed benefits from other schemes.
Q375: Are there any awards to recognize successful women entrepreneurs? A: Yes, the Ministry of MSME and other organizations confer awards like the “National Award for Women Entrepreneurs” to recognize their contribution.
Section Y: Miscellaneous Schemes & Initiatives
Q376: What is the “Credit Monitoring Arrangement (CMA)” data required by banks? A: CMA data is a detailed financial report showing the past, present, and projected financial performance of a business, required for loan applications.
Q377: Can an MSME get a loan against property (LAP)? A: Yes, MSMEs can mortgage their residential or commercial property to a bank to get a loan for business purposes.
Q378: What is “Invoice Financing” or “Bill Discounting”? A: It is a way for businesses to borrow money based on the amounts due from their customers (unpaid invoices). TReDS is a formal platform for this.
Q379: What is the “Udyog Aadhaar Memorandum” (UAM)? Was it different from Udyam? A: UAM was the previous system for MSME registration before it was replaced by the current, more streamlined Udyam Registration portal. UAM is no longer valid.
Q380: What is the difference between an MSME-DFO and a DIC? A: MSME-DFO is a central government field office under the Development Commissioner (MSME). A DIC (District Industries Centre) is a state government office at the district level. Both support entrepreneurs.
Q381: I have a handicraft business. Is there a specific body to help me? A: Yes, you can contact the Office of the Development Commissioner (Handicrafts) for schemes related to the handicraft sector.
Q382: My business is related to textiles. Who should I approach? A: You should explore schemes from the Ministry of Textiles, such as the Amended Technology Upgradation Fund Scheme (ATUFS).
Q383: What is the “Procurement and Marketing Support (PMS)” scheme? A: It is an umbrella scheme by the Ministry of MSME that aims to improve the domestic and export marketability of MSME products.
Q384: What is the “Gram Udyog Vikas Yojana”? A: It is a scheme to promote and develop village industries by providing common facilities, technology upgradation, and training to artisans.
Q385: Can a Limited Liability Partnership (LLP) register for Udyam? A: Yes, an LLP can register for Udyam using the Aadhaar number of its authorized signatory.
Section Z: Advanced Troubleshooting & Portals
Q386: The Udyam portal shows “Aadhaar already registered.” What does this mean? A: This means your Aadhaar number is already linked to another Udyam Registration. One Aadhaar can be used for multiple registrations, but you must log in to add a new enterprise.
Q387: Why is my turnover data not showing correctly on the Udyam portal? A: The portal automatically fetches data from your filed GST and ITR returns. Any discrepancy is likely due to incorrect or pending filings.
Q388: My loan application on the PMEGP portal is stuck at the “Screening Committee” stage. What should I do? A: You should contact the DIC/KVIC/KVIB office through which you applied for an update on the status of the committee meeting.
Q390: Can I change my bank preference after my PMEGP application is forwarded? A: It is generally not possible to change the bank after the application has been processed by the district-level committee.
Q391: The CHAMPIONS portal asks for a “Grievance Category.” Which one should I choose? A: Choose the category that most accurately describes your issue (e.g., ‘Finance’, ‘Delayed Payment’, ‘Technology’). A correct category ensures faster resolution.
Q392: Can I file a grievance anonymously on the CHAMPIONS portal? A: No, you need to provide your contact details and Udyam number for the grievance to be registered and addressed.
Q393: The MSME-DFO office is not responding to my calls. What is the next step? A: You can send a formal email to their official address (e.g., dcdi-indore@dcmsme.gov.in) and if there’s still no response, you can escalate the matter on the CHAMPIONS portal.
Q394: My subsidy under CLCSS has not been released for a long time. Who do I follow up with? A: You should follow up with your lending bank branch, as they are the ones who claim the subsidy from the nodal agency (like SIDBI or NABARD).
Q395: I made a mistake in my Samadhaan portal application for delayed payment. Can I edit it? A: Once filed, editing options are limited. It’s crucial to enter all details correctly. For major errors, you may need to contact the MSEFC secretariat in your state.
Q396: The GeM portal shows my product is not “OEM.” What does that mean? A: OEM stands for Original Equipment Manufacturer. You need to get your brand approved as an OEM on GeM to list products under your brand name.
Q397: How long does it take for a case to be resolved on the Samadhaan portal? A: As per the MSMED Act, the MSE Facilitation Council should decide on the case within 90 days of making the application.
Q398: The Stand-Up India portal requires a detailed business plan. Is there a template? A: Yes, the portal itself provides sample project profiles and templates to help you structure your business plan.
Q399: I am unable to log in to the NSIC portal. What could be the issue? A: Check for common issues like incorrect credentials or browser incompatibility. Use the ‘Forgot Password’ link or contact NSIC support.
Q400: How do I find the jurisdictional MSE Facilitation Council (MSEFC) for my delayed payment case? A: The Samadhaan portal automatically directs your application to the MSEFC of the state where your enterprise is located.
Section AA: Final Wrap-up
Q401: Which Ministry in India is dedicated to Micro, Small, and Medium Enterprises? A: The Ministry of Micro, Small and Medium Enterprises (M/o MSME), Government of India. Contact: www.msme.gov.in.
Q402: Based on the 2025-26 booklet, what is the core message from the Hon’ble MSME Minister? A: That the Ministry is making continuous efforts through its schemes to achieve the goal of a self-reliant and developed India.
Q403: What is the best first point of contact for a new entrepreneur in Bhopal? A: The MSME-DFO in Indore (Phone: 0731-2420723) is the nodal central office for the region, and the local District Industries and Trade Centre (DITC) in Bhopal is the primary state-level contact.
Q404: If I have a query today, Saturday, June 21, 2025, will the government offices be open? A: No, government offices like MSME-DFOs and DICs are typically closed on Saturdays and Sundays. You would need to contact them during working hours on a weekday.
Q405: Where can I find the most updated contact list for all MSME offices in India? A: The most reliable source is the official website of the Development Commissioner (MSME) at www.dcmsme.gov.in.