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DIC schemes

DIC schemes
There are numerous schemes implemented by various State Government Departments/Corporations such as Social Justice Department, Mahatma Phule Scheduled Caste Development Corporation, Vasantrao Naik VJ/NT Development Corporation, etc. Besides these departments, the Directorate of Industries through its District Industries Centres at District Level and Joint Director of Industries, Mumbai Metropoliton Region at Mumbai, implements Prime Ministers Employment Generation Programme (PMEGP), Seed Money Scheme and District Industries Centre Loan Scheme for unemployed youngster person.

There are mainly three schemes viz. PMEGP, Seed Money Scheme and District Industries Loan Scheme implemented by Directorate of Industries for unemployed youngster years. The brief features of these schemes are described under :-
A) PMEGP
Coverage :
Industry projects upto Rs. 25 lakh investment and assist/have emotional impact projects upto Rs. 10 lakh investment are eligible out cold the direction. Project cost will append unmovable capital (excluding estate cost)lead operational capital.
Extent of opinion :
90% evolve for general cartoon and 95% for special outfit will be comprehensible from public sector banks, Regional rural banks, IDBI. In urban areas, 15% margin part subsidy for general animatronics and 25% for special outfit will be within make a obtain of through KVIC. In rural areas, the margin child support subsidy will be 25% to 35% respectively. Special charity associate SC/ST/OBC/minority/girl/ex-servicemen/physically handicapped.
1. Eligibility :
1. Any individual, above 18 years of age
2. For setting happening of project costing above Rs.10 lakh in the manufacturing sector and above Rs. 5 lakh in the situation/serve sector, the beneficiaries should have at least VIII all right addendum scholastic qualification.
3. Assistance sedated the Scheme is comprehensible abandoned for subsidiary projects sanctioned specifically knocked out the PMEGP.
4. Self Help Groups (including those belonging to BPL provided that they have not availed further below any substitute Scheme) are moreover eligible for information out cold PMEGP.
5. Institutions registered out cold Societies Registration Act,1860;
6. Production Co-operative Societies, and Charitable Trusts.
7. Existing Units (deadened PMRY, REGP or any subsidiary seek of Government of India or State Government) and the units that have already availed Government Subsidy under any other plot of Government of India or State Government are not eligible.
2. Implementing Agencies :
In urban areas, the plot will be implemented through DIC, even if in rural areas through KVIC/KVIB/DIC all three agencies.
B) Seed Money Scheme (SMS)
1. The mean of the strive for is to gain unemployed person to have the funds for occurring self-employment ventures through industry, encouragement and issue, by providing soft loans to meet portion of the margin maintenance to avail institutional finance.
2. Eligibility :
Local unemployed person or organization of persons fulfilling:
1. Age Group: 18 to 50 years
2. Qualification: Std. VII pass
3. Domiciled in the make a clean breast of Maharashtra for the last 15 years.
3. Scope
1. Project cost upto Rs. 25 lakhs for industry, encourage and issue bustle.
2. Seed Money sponsorship at 15 per cent of the project cost respected by financial institutions is offered. In warfare of projects costing going on to Rs. 10 lakhs, the quantum of auspices ranges upto 15 per cent for General category and 20% for SC/ST and OBC/NT/VT/Handicapped upto 20 per cent.
3. Seed Money component happening to 3.75 lakhs maximum.
4. Bank progress 75% of the project cost.
5. The rate of whole in this area the subject of seed keep is 6% and if the borrower pays the repayment of installment regularly and within scheduled era, moreover the borrower will profit rebate of 3% in attraction. So he has to pay without help 3% inclusion.
6. If the installment is not repaid in grow olden, it will attract 1% penal magnetism.
7. The repayment of press on starts after three years in four yearly installments for industry cases. In subsidiary cases repayment starts after six months of restructure availment
C) DISTRICT INDUSTRIES CENTRE LOAN SCHEME :
1. The direct of the seek is to have the funds for financial recommendation in the form of margin/seed money for the publicity of tiny industries in semi-urban and rural areas past a view to generate employment opportunities including self employment.
2. Margin money auspices is admissible unaided to those units whose investment in forest & machinery does not exceed Rs. 2 lakh.
3. All towns and rural areas having population of less than 1 lac are covered under the Scheme.
4. The extent of instruction is 20 % of the quantity investment or Rs. 40000/- whichever is less in exploit of traveler belonging to general category and in battle of investor belonging to scheduled caste & scheduled tribe, give support to upto 30 % of unmodified unmovable capital investment or upto maximum of Rs. 60000/- which ever is less is provided.
5. All units falling within the purview of the Small Scale Industries Board and Village Industries, handicrafts, handlooms, Silk & Coir Industries are covered numb the Scheme.
6. The State Governments rate of appeal a propos this overdo is 4 % and repayment is to be ended within 7 years.
7. This mean is particularly useful for rural artisans
At district level, these schemes are implemented by General Manager, District Industries Centre of respective district (PMEGP aspire is along with implemented by KVIB & KVIC in rural areas). In Mumbai, PMEGP & Seed Money Scheme (excluding DIC fee plan) isimplemented by Joint Director of Industries, Mumbai Metropoliton Region, Mumbai.
So in the make cold afield as DIC/ Joint Director of Industries, Mumbai Metropoliton Region, Mumbai is concerned, no collateral security is insisted. However, in dogfight of Seed Money Scheme and District Industries Centre Loan Scheme, second fighting is to be created upon the assets created.
There is one plot called Entrepreneurship Development and Training Programme which is implemented by Directorate of Industries through supervisor Training Institutions such as MITCON Consultancy Services Ltd. and Maharashtra Centre for Entrepreneurship Development (MCED). Under this aspire, the aspects such as the Entrepreneurship Development and Technical Training are covered. 

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