Year 15 Vol.9 September-2014 RNI No.:57642/1993

Rs.1/-

IIA Mission: Competitiveness and welfare of MSMEs

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OUR VALUED PARTNERS’

OUR VALUED PARTNERS’

CONTENTS

General SecretaryReport

PG4

President’sMessage

PG 3

PG16

PG5-9

PG10

PG11-12

PG14-15

PG19

PG17-18

IIA IN News

Trade Credit

Circulars/GOs/Notification

Myanmar & Bangkokvisit

About Debt Fund

Insurance for SMEs

AGM Meeting at Mussoorie

PG20-25

ChapterActivities

Successful Visit of IIA Delegationto Myanmar 17th - 21st Aug. 2014 Successful Visit of IIA Delegationto Myanmar 17th - 21st Aug. 2014

Vice Presidents

Secretaries

Advisors

Treasurer

General Secretary

Sr Vice President

President

Shri Suresh Sundrani

Shri Lalit Kapoor

Shri A.N. Malhotra

Shri Sushil Sadana

Shri Ashwani Khandelwal

Shri Pramod Bansal

Mrs. Mamta Shukla

3E/6

lUnhi flag

Lokeh bf.M;u b.MLVªht ,lksfl,”kudh vksj ls izdk”kd] eqnzd Mh-,l- oekZus lgkjuiqj bySfDVªd izSl] lgkjuiqjls eqfnzr djkdj vkbZ-vkbZ-,- Hkou]

foHkwfr [k.M] xkserh uxj]y[kuÅ ls izdkf”kr fd;kA

MSME VOICEMSME VOICE

This Publication is partially supported under :-ZDH/SEQUA Partnership Programme

DisclaimerIn this publication opinions/ analysis by authors/contributors do not reflect the views of the Indian Industries Association (IIA) but remain solely those of the authors/contributors. While due care has been taken towards accuracy of the content and all sources of information have been mentioned in this news magazine, yet IIA shall not be responsible for any error(s) that might occur inadvertently.

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vkbZ0vkbZ0,0 dh ,d okf"kZd egRoiw.kZ xfrfof/k bldh ̂ ^okf"kZd vke&lHkk** dk vk;kstu gksrk gSA ;g vk;kstu geus 2&3 vxLr 2014 dks ealwjh mRrjk[k.M esa lEiUu fd;k ftlesa fjdkMZ 110 lnL;ksa us Hkkx fy;kA vke lHkk esa vusd mi;ksxh lq>ko lnL;ks us fn;s gS ftudk fØ;kUo;u geus izkjEHk dj fn;k gSA blds lkFk&lkFk geus vkbZ0vkbZ0,0 dh vkijs”kuy bZ;j 2014&15 ds fy, fu/kkZfjr y{;ks ij Hkh rhozrk ls dk;Z izkjEHk dj fn;k gSA

tSls&tSls dsUnz ,oa jkT; ljdkjks esa ubZ ÅtkZ ,oa LQwfrZ dk izknqHkkZo gks jgk gS oSls&oSls vkbZ0vkbZ0,0 esa Hkh xfrfof/k;ksa dh xfr rhoz gks jgh gSA Hkkjr ljdkj ds lq{e] y?kq ,oa e/;e m|e ea=ky; ds lg;ksx ls vkbZ0vkbZ0,0 ds bfrgkl esa igyh ckj vkbZ0vkbZ0,0 ds 17 lnL;h; izfrfuf/ke.My us E;uekj ,oa cSdkad dk cgqr gh lQy nkSjk 17 vxLr ls 22 vxLr 2014 rd lEiUu fd;kA bl nkSjs dh vusd miyfC/k;kW jgh ftuesa ls dqN egRoiw.kZ fuEufyf[kr gS%&

gesa Kkr gqvk fd phu dh vis{kk Hkkjrh; mRiknks dks xq.koRrk ds vk/kkj ij e;kuekj esa vf/kd ilan fd;k tkrk gSA bl ilan dk ykHk Hkkjrh; m|ksxksa dks blfy, ugh fey ik jgk gS D;ksafd tgkW Hkkjr ls e;uekj leku igqWpus esa ,d eghus ls vf/kd dk le; yxrk gS ogh ;g lkeku phu ls ,d lIrkg ls Hkh de le; esa igqWp tkrk gSA

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vkt vkbZ0vkbZ0,0 ,d vkSj cM+s vk;kstu dh rS;kjh esa tqV x;k gS vkSj og gS mRrj izns”k ds y?kq m|fe;ksa dk egkdqEHk ;kfu ̂ ^mRrj izns”k m|eh egklEesyu& 2014** A vkb, ge lc feydj bl egkdqEHk dks lQy ,oa ;knxkj cuk,WA

04

Neeraj Singhal

General Secretary

General Secretary Report

26.07.2014: Workshop on Business Excellence for Manufacturing Industries in association with AKWL

A workshop was held jointly with Indian Industries Association and AKWL at IIA Bhawan, Gomtinagar Lucknow. The main focus of this workshop was improvement of Operational/Manufacturing process of the SME Industries. IIA Lucknow Chapter Chairman Mr. Manmohan Agarwal along with Mr M.C. Pandey, Mr. Rajiv Goyal, Mr. T.N. Chaturvedi, Mr. Puspendra Singh Gaur and other members of AKWL attended this workshop.

01.08.2014: Meeting with Minister of State (Independent Charge), Ministry of Commerce, Govt. of India Smt. Nirmala Sitaraman

IIA Delegation comprised of Mr. Anil Gupta Chairman Working Group & Mr. Ajay Singh Deputy Director IIA met Minister of State (Independent Charge), Ministry of Commerce, Govt. of India Honourable Smt. Nirmala Sitaraman in BJP Central Office to apprise her about the issues and problems of Micro and Small Entrepreneurs in supplying goods to MEGA infrastructure projects funded by international agencies which come under the category of Deemed Export as per FTP (Foreign Trade Policy). Minister assured to take care of the issues and problems of MSME .

02.08.2014: 214 Central Executive Committee and Annual General Meeting-2014 held at Mussorie, Uttrakhand

More than 180 members attended meeting. In the CEC meeting discussion held on:-

Proposals to be submitted to the New Government for Promotion and development of MSMEs.

Information on Important changes contained in “Companies Act 2013” and Rules formulated therein.

03.08.2014:Meeting with Shri Pravir Kumar I.A.S DGFT, Govt. of India

IIA Delegation comprising Mr. Anil Gupta Chairman Working Group on Networking

MSME, Mr. Ramji Suneja Former President IIA & Mr. Ajay Singh Deputy Director IIA met with Sh. Pravir Kumar (I.A.S), DGFT regarding matters related to MSMEs Trade Promotion and Facilitation for IIA Members. DGFT assured his full co-operation.

20.08.2014: Networking Conference on Skill Development in Bhopal.

IIA Delegation comprising Mr. Anil Gupta Chairman Working Group on Networking MSME attended the Networking Conference on “Roles of BMOs in effective Skill Development” organized under Partnership Programme of ZDH/SEQUA at Marriott Hotel Bhopal. Discussion held regarding the current scenario of Skill Development in the country which helps to create Roadmap for strengthening BMOs role in making a strong skill movement in the country.

25.08.2014: Meeting with Shri Mahesh Gupta I.A.S Principal Secretary MSME and EPB govt. of UP

IIA Delegation comprised of President Mr Pramod Miglani, General Secretary Mr Neeraj Singhal Sr. Vice President Mr. Manish Goel, Former President Mr Sanjay Kaul, Former President Mr G.C. Chaturvedi met Mr. Mahesh Kumar Gupta, Principal Secretary, MSME and EPB and discussed issues related to Commercial Tax, Infrastructure and Purchase Policy where different related departments were called upon to look into the issues related to MSMEs.

05

IIA�Delegation�Concludes�Successful�Visit�to�Myanmar�&�Bangkok

th ndFrom 17 August 2014 to 22 Aug 2014, 17 members delegation of IIA led by the President IIA Mr. Pramod Miglani visited Myanmar and Bangkok with the Objective to:‐

1. Explore the possibilities of Exports of their items to Myanmar and Thailand.

2. To explore the possibilities of Investment in Myanmar

3. To interact with the Industry Assoc iat ion as wel l as Govt . Functionaries in both the countries to understand the Industr ia l Environment and support systems.

The delegation arrived in Mandalay (North part of Myanmar) in the evening

th thof 17 Aug 2014. On 18 Aug 2014 the delegation had a detailed B2B Meeting with Mandalay Chamber of Commerce & Industries at MRCCI. Ball Room, Mandalay. Consulate General of India in Mandalay helped to organize this

meeting and Dr. N.Nandakumar Consul General of India himself was present in th is meet ing who in i t iated the discussions. Mr. Mya Win, Vice president of MRCCI welcomed IIA delegation followed by introduction of IIA delegates with their business interests. Speaking

on the occasion President IIA said that we are here to explore the possibilities of bilateral business exchange, investment opportunities in Myanmar and to visit the industries in Mandalay. After the Introduction session one to one and B2B meeting were organized at the Venue of the meeting itself. During this interaction IIA delegates generated fruitful; queries for future business exchange with their counterparts in Mandalay.

In the afternoon IIA delegation met H.E U Aung Zan, Minister of Planning and Economy and H.E U Kyaw Myint, Minister of Electric and Industry Mandalay Region Govt. to discuss the

Govt. of Myanmar's P o l i c i e s f o r i n v e s t m e n t s i n Mandalay region. In this meeting Consul General of India Dr. N . N a n d a k u m a r f a c i l i t a t e t h e d i s c u s s i o n s a n d a s s u r e d I I A d e l e g a t i o n t o support future bi‐

l a t e r a l B u s i n e s s E x c h a n g e s . M i n i s t e r o f Planning and c o m m e r c e s a i d t h a t i nve st m e nt a n d t e c h n o l o g y s h a r i n g b y I n d i a n Companies will be welcomes. H.E. U Kyaw Myint, Minister of Electric and Industry said that he visited India last year to Mumbai and was highly impressed by the development and the

hospitality extended to him. Mandalay Government is looking for investment from India as it is near to India. He however advised that Indian investors

are required to act fast as other c o u n t r i e s a re a l s o l o o k i n g fo r investment in Myanmar. There are investment opportunities for electrical and Electronic items including Digital Meters, Electricity Poles and Cable Manufacturing since copper is available in abundance in Myanmar.

Solar Energy is another potential area. Herbal Plantation can be done as we have plenty of vacant land. Since the wood export is banned but products manufactured using wood can be exported, hence wood‐based industries can also be set up in Myanmar. For the protection of Indian Businessmen there is a bi‐lateral investment and Promotion Protection Agreement between India and Myanmar.

United bank of India facilitates the t r a n s a c t i o n s i n Myanmar. President IIA in his address said that IIA would like to have a MoU f o r l o n g t e r m b u s i n e s s r e l a t i o n s h i p between I I A and

G e n e r a l S e c r e t a r y I I A addressing the joint meeting of I I A D e l e g a t e s & O f f i c e Bearer/Members of MRCCI (Mandlay Region Chamber of Commerce & Industry

IIA Delegates with Consul General of India & Office Bearers of MRCCI at Mandalay

Myanmar & Bangkok Visit

06

MANDALAY Region Govt. He invited H.E. Minister of planning and Economy & Minister of Electric and industry to Delhi/Lucknow for further discussions

in this matter. General Secretary IIA expressed vote of thanks on behalf of IIA delegation to Their Excellencies.

IIA delegation then moved out for industrial visit to Factories at Mandalay Industrial Zone & visited the office of Myotha Industrial Park (MIP) and Semeikhon Port (SMP) where the Chief Project Officer, Mr. Bruce Reynolds gave an impressive presentation on t he most

Modern Industrial Park which is very near to Indian Border in the North‐East.

th19 August 2014 IIA delegation left for NAY PYI TAW the new capital of Myanmar early in the morning for series of meetings with various Central Ministers and Senior Officials

of the Govt. In these series of Meetings first meeting was held with H.E. U MAUNG MYINT, Union Minister Ministry of Industry, Republic of the Union of Myanmar in his Office. In this meeting Hon'ble Minister said that “India &Myanmar has very long traditional and cultural ties. India is a strong business partner of Myanmar. Hon'ble Minister informs the delegates that under his ministry there are separate

departments for Heavy Industries, Textile and Paper. We are opening up our economy and are looking forward for investment by Indian Industralists in Myanmar. President IIA informed Hon'ble Minister and SENIOR Officers of the Ministry that the new Govt in India is keen to d e v e l o p b u s i n e s s relations with Myanmar. Our delegates are here to explore the business exchange and hence have many questions too. Thereafter a long questions and answers session held and General Secretary IIA extended the vote of thanks.

At 3:00 pm IIA delegation had a meeting with U.KYAW WIN, Director General Ministry of Agriculture & Irrigation along with other senior officers of the ministry. In this meeting IIA delegation enquired about the availability of land for Farming/Agro‐Forestry/Herbal Plantation. The officials informed that it

i s p o s s i b l e h o w e v e r I n d i a n Businessmen will have to join local companies as a Joint‐Venture for doing business in Myanmar. The officers also shared that most of the herbs can be grown in Myanmar but the quality of the herb is not good. I f Indian Companies are ready to provide the technology, it will be a welcomed step. On this Mr. K.L.Arora Chapter Chairman IIA Saharanpur informed them that he has the technology & good R&D facility

back in India and is ready to transfer the technology. Mr. Ankur Budhwar enquired about the Policy for Solar Irrigation. In response the officers replied positively.

In the evening IIA delegation had a very useful meeting with H.E. U WIN MYINT, Union Minister Ministry of Commerce, the Republic of the Union of Myanmar

at his office. Hon'ble Minister informed

that “India Myanmar trade is 1.46 Billion dollars as on date and we intend to double it by 2015 and reach the level of 3 Billion Dollars. The major imports from India could be Construction M AT E R I A L S , Pharmaceuticals & Electric goods. I have the opportunity to interact with number of Indian delegates in the past as a Minister as well as the President of UMFCCI. I am eager to improve the India‐Myanmar trade. Last week Ambassador of India

visited me and has discussed the number of proposals for increasing the business ties. President I IA in his address said that our delegation is here not only to look for import and Exports but also for investment opportunities

I n t h e e v e n i n g C o n s u l General of India Dr. N. Nandakumar hosted a dinner for I I A delegates at his residence which provided excellent opportunity for the delegates to discuss various matters related to business e x c h a n g e o f I n d i a n Entrepreneurs and their counterparts in Myanmar.

IIA Delegation visited to a paper printing Industry in Mandalay Industrial Zone

H.E. U WIN MYINT Union Minister Ministry of CommercePresenting a memento to President IIA after the meeting

Myanmar & Bangkok Visit

07

and technology transfer in Myanmar. Therefore we would like to know more about FDI Laws, Profit Transfer, Tax Holidays and special benefit for Indian investors. Responding to the queries of Pres ident I I A Hon'b le Min ister informed that FDI laws are in place and Department of Investment in Yangon will provide you the details. However the Indian investors will be required to identify and contact the Potential Partners in Myanmar for investments. General Secretary IIA enquired about time taken for clearances & laws for import from India. General Secretary also suggested that � Ministry of Commerce, Republic of the Union of Myanmar may designate a contact

person for future interaction with IIA. Responding to the quer ies and suggestion of the General Secretary IIA Hon'ble Minister informed that Myanmar Investment Commission (MIC) is the one stop service for all the queries related to investment and clearance etc.

Hon'ble Minister was kind enough to appoint a Nodal Officer of his ministry on the spot for future interaction with IIA. The Nodal Officer is Ms. Naw Mutakapaw, Director Ministry of

Commerce Dept. o f T r a d e Promotion.

th20 August 2014,

In the afternoon IIA delegation had a n o t h e r u s e f u l meeting with the biggest Chamber of Commerce of I n d u s t r y o f

Myanmar i.e UMFCCI (The Union of Myanmar Federation of Chamber of Commerce & Industry) at their office where Dr. MYO THET, Vice president U M FC C I and Mr. Aye Lwin Joint

Secretary General of the Republic of the UMFCCI welcomed IIA delegates and made a presentation on the Industrial

Development/Industrial scenario in Myanmar.

I n t h i s p r e s e n t a t i o n U M F C C I representatives informed that the most promising investment area in Myanmar is Hotel & Tourism followed by Food Processing/Agriculture/Infrastructure development, Power Generation and Power Transmission etc. The country is rich in Natural Resources and trainable Humar Resources. The federation already have signed MoUs with 8 Indian Federation of Chamber of Commerce

and Industry for promoting bi‐lateral business relationship. President IIA in his address said that IIA is an apex body of MSMEs in India having more that 7,000 direct members apart from having networking with no. of MSME Associations in the country. IIA and its associates MSME Associations would

l ike to have bi latera l business relations with their counterparts in Myanmar not n ly for export and imports but also for joint Ventures. P r e s i d e n t I I A a l s o expressed his willingness to s ign an MoU with

UMFCCI for this purpose. The proposal of the president IIA was accepted by UMFCCI. UMFCCI have appointed a

Nodal Officer for this purpose Ms. Phyu Phyu Khine (E.O.) international R e l a t i o n D e p t . o f UMFCCI.

Dr. S. Jankiraman First Secretary Embassy of India in Yangon Myanmar was kind enough to be with IIA delegation in this i m p o r t a n t m e e t i n g .

Before leaving Yangon ston 21 August 2014 IIA

delegation made it a point to express sincere thanks to Dr. Neil Jain F i r s t S e c r e t a r y ( D e v e l o p m e n t Cooperation) Embassy o f I n d i a , Ya n g o n , Myanmar who was the

main motivator to plan the visit of IIA delegates to Myanmar. President IIA alongwith Senior Office bearers of IIA

20th Aug. 2014: Early in the morning IIA delegates left for Yangon for another series of meetings in the old Capital of the country. At Yangon Dr. S. Jankiraman First Secretary Embassy of India was kind enough to arrange all the meetings for the day. Mr. Kantiraman Attaché

Embassy of India, Myanmar was also helpful in making these meetings comfortable for IIA delegates. The first meeting was a B2B meeting with Myanmar Business men and Industrialist at Summit‐Park View, Hotel Yangon where in IIA delegates had an opportunity to interact with large number of businessmen and industrialists for more than 3 hours.

Myanmar & Bangkok Visit

08

accompanying the delegation met Dr. Neil Jain in his office before leaving to Bangkok.

nd22 August 2014 IIA delegation arrived stin Bangkok 21 Aug 2014 evening and

ndhad series of meetings on 22 Aug 2014. Embassy of India in Bangkok was very helpful in arranging the meetings of IIA delegation in Bangkok. Mr Naveen Saxena, First Secretary Embassy of India himself was present in the discussions while IIA delegation had a meeting with Thai Chamber of Commerce. Mr. Praveen Kumar Attaché, Embassy of India Bangkok accompanied I I A delegation throughout the day in all the meetings.

The first meeting was held with Thai Chamber of Commerce and Board of Trade of Thailand at the meeting room of Thai Chamber of Commerce, 150 Rajhopit Road, Pranakorn, Bangkok at 10:a.m. Mr. MINGPANT CHAYA, Joint President Thai Chamber of Commerce & Board of Trade of Thailand welcomed IIA delegation and made a presentation

on the activities of his Chamber. He also introduced the industrialist of his Chamber to IIA delegates. In turn IIA d e l e g a t e s g a v e t h e i r d e t a i l e d

introduction to the Thai Delegation. Mr. Chaya shared that there is a demand for leather goods from India in Thailand. President IIA gave introduction of the indian MSMEs and their capabilities to Thai delegation and said that IIA will be displaying innovative products of its members in India International Trade Fair to be held in November ‐2014 at New Delhi. President IIA invited the President & Joint President of Thai Chamber of Commerce along with the members of their Chamber to visit India International Trade Fair. Through the discussion it was also observed that there is an opportunity for Indian Companies to invest in Thailand as it is a Marketing Hub for many countries around. Tourism is one of the Bright opportunities for Indian Companies to invest in Thailand.

The last meeting of the six day tour of IIA delegation was held with Office of Smal l and Medium Enterpr i ses Promotion (OSMEP). Mrs Luckana Tangchitnob, Director International Affairs Bureau of OSMEP led the OSMEP team of Senior Officers for this meeting with IIA delegation. A detailed presentation on the activities of OSMEP was made followed by the discussion on Mutual Cooperation between IIA and OSMEP. It was decided that the website link Exchange will be done with OSMEP and Thai Associations, database of Thai SMEs will be shared through Indian Embassy for the benefit of Indian SMEs and joint activities will be worked out for the benefit of SMEs in Thailand and in India.

It is evident from above brief report that IIA delegation had highly successful visit

to Myanmar and Thailand. Numbers of IIA delegates have already started getting business queries. it is expected that the visit of I IA delegation to

The Second important meeting was held with the senior officers of Small & Medium Enterprise Development Bank of Thailand where Mr. Woramit Krutto Senior Executive Vice President if SME Development Bank of Thailand and support provided by them for SMEs. The presentation was followed by Question and Answers session wherein IIA delegation gathered useful information related to the availability of finance to

SMEs as well as Joint Ventures in Thailand. General Secreatry I IA extended the Vote of Thanks to the officers of SME Development Bank of Thailand.

Myanmar & Bangkok Visit

09

Myanmar and Thailand will open up many avenues for future business development for the mutual benefit of Indian and Myanmar and Thai Industries.

17 members of IIA delegation included President Mr. Pramod Miglani, General Secretary Mr Neeraj Singhal, Former President

Mr Ramji Suneja, Mr. V.K. Agarwal, Mr. K.L. Arora ,Mr. Akhilesh Pratap Saraswat, Mr. Gulshan Kumar Dhupar, Mrs. Rita Dhupar, Mr. Santosh Lalwani, Mr. Rakesh Gandhi, Mrs. Manjula Mishra ,Mrs. Rekha Gupta, Mr. J.P. Kaushik, Mr. Ankur Bhudwar, Mr. Pardeep Kumar Gupta, Mr. Saket Agarwal and Mr D.S. Verma Executive Director IIA.

Myanmar & Bangkok Visit

10

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gS fd bfDoVht nh?kZdkyhu le;lhek esa csgrjhu fjVuZ fnykrh gSaA ;g lsokfuo`fRr ;kstuk vFkok cPps dh f'k{kk ds fy, cpr djus tSls nh?kZdkfyd y{;ksa ds fy, ,dne mi;qDr fuos'k gSaA

gkykafd] bl n`f”Vdks.k dk ,d udkjkRed igyw gS fd bl izfØ;k esa leku :Ik ls egRoiw.kZ fuos'k ekxksZa dks utjvankt dj fn;k tkrk gSA mnkgj.k ds fy, MsV QaMA ,d fuos'k Js.kh ds rkSj ij MsV QaM ysus okyksa dh la[;k vf/kd gS] ysfdu veweu bls lkof/k tek ¼,QMh½ vkSj iksLV&vkWfQl Ldhe ds :Ik esa fy;k tkrk gSA MsV ls Hkjiwj fuos'k voljksa dk ,d vkSj lalkj gS] ftls fuos'kdksa }kjk utjvankt ugha fd;k tkuk pkfg;sA ;g fuos'k volj MsV vksfj;aVsM QaM gSaA

fuos'k Js.kh ds :Ik esa] bfDoVh QaMksa dh rjg MsV QaMks dks roTtks ugha nh tkrh gSA ifj.kkeLo:Ik] vf/kdka'k [kqnjk fuos'kd mudh ckjhfd;ksa vkSj ewY;ksa ls ifjfpr ugha gS ftUgsa os vius iksVZQksfy;ks esa 'kkfey dj ldrs gSaA

fuf'pr :Ik ls MsV QaM ,QMh vkSj iksLV&vkWfQl Ldhe tSls vU; mRiknksa dh gh rjg ykHkksa dh is'kd'k djrs gSaA ysfdu fQj Hkh bls rjyrk] vof/k vkSj dj&Ik'pkr fjVuZ ls lacaf/kr {ks=ksa esa is'k ugha fd;k tkrkA dkfcy ,oa vuqHkoh foRrh; fu;kstd dh enn ls MsV QaMksa dks le>nkjh ds lkFk vius fuos'k iksVZQksfy;ks esa 'kkfey djuk pkfg;sA ;g

fuos'kd ds nh?kZdkfyd foRrh; y{;ksa dks iwjk djus esa yack lQj r; djus ds lkFk gh csgrjhu ewY; iznku dj ldrs gSaA

lsokfuo`fRr dh ;kstuk cukus] ?kj [kjhnus vFkok cPps dh f'k{kk o 'kknh ds fy, cpr djus tSls thou ds y{;ksa dks gkfly djus ds fy, nh?kZdkfyd laifRr cukuk lcls egRoiw.kZ ?kVd gSA bu y{; k s a d k s le; l s i w o Z lko/kkuhiwoZd r; fd;k tkuk pkfg;sA bu y{;ksa dks izkIr djus ds izfr fd;k x;k fuos'k ml [kkl lap;u esa mfYyf[kr gksuk pkfg;sA bl rjg ,d iksVZQksfy;ks dk fuekZ.k fd;k tkrk gSA bfDoVht vkSj ,QMh tSls vU; fuos'k ds vykok MsV QaM Hkh bu iksVZQksfy;ks esa egRoiw.kZ Hkwfedk vnk djrs gSaA

mYys[kuh; gS fd MsV QaMksa ls gekjk rkRi;Z fu;fer MsV QaMksa ls ugha gSA QaM is'kd'k dh MsV&vksfj;aVsM J`a[kyk esa fofHkUu volj ekStwn gSaA buesa ,evkbZih tSls gkbfczM QaM] Iysu ofuyk MsV QaM vkSj fxYV QaM tSls

nh?kZdkfyd MsV QaM rFkk e/;e ls yach vof/k ds QaM vkSj NksVh vof/k ds vFkok fyfDoM QaM 'kkfey gSaA

fjVuZfjVuZ ij izfrfØ;k O;Dr djuk vlaHko vkSj xqejkg djus okyh ckr gSA vf/kdrj nh?kZdkfyd MsV QaMksa us fiNys ,d lky esa ngkbZ vadksa esa fjVuZ dek;s gSaA eqnzkLQhfr esa ujeh vkSj vkjchvkbZ }kjk njksa esa dVkSrh dks ns[krs gq;s] nh?kZdkfyd MsV QaM bl ikWfylh ds lcls cM+s ykHkkFkhZ gks ldrs gSaA gkykafd] blds

fy, eqnzkLQhfr dk uhps vkuk vR;ko';d gS] tksfd vHkh dkQh pqukSrhiw.kZ Lrj ij cuh gqbZ gSA njksa esa c<+ksrjh ds fygkt ls NksVh ls e/;e vof/k esa dqN d”V lguk iM+ ldrk gSA gkykafd] 12&24 eghuksa ds ifjn`'; esa]

nh?kZdkfyd MsV QaMksa }kjk csgrj izn'kZu fd;s tkus dh laHkkouk gSA

fuos'kd ,evkbZih esa fuos'k ij fopkj dj ldrs gSaA mEehn gS

fd ,evkbZih yach vof/k esa FkksM+s vf/kd fjVuZ ns ldrh gSaA

djk/kkuMsV QaMksa dks ennxkj djk/kku uhfr ls Hkh ykHk feyrk gSA dbZ o'kksZa rd fuos'k djus ls] MsV QaM fuos'kd lwphdj.k ¼baMsDls'ku½ ykHk dk Qk;nk mBk ldrk gSA blls fupys dj dh laHkkouk;sa c<+ tkrh gS] ;kuh dj Ik'pkr fjVuZ rqyukRed :Ik ls okLrfod ldy fjVuZ ds yxHkx cjkcj gksrs gSaA vU; fQDLM bude fuos'k esa] mPp dj&czSdsV esa fo|eku fuos'kdksa ds fy, dj&Ik'pkr fjVuZ okLrfod fuos'k ls 30 izfr'kr de gksrs gSaA

Rkjyrk nwljk {ks= gS] ftlesa MsV QaM vU; rqyukRed fQDLM bude mik;ksa ds eqdkcys csgrj izn'kZu djrs gSaA

Lkap;uiksVZQksfy;ks esa MsV QaMksa dk lap;u foRrh; fu;kstd ds cqf)ekuh ij NksM+k tk ldrk gSA og foRrh; y{; ds izfr vftZr fd;s tkus okys fjVuZ] vof/k] dkWiZl tSls lHkh ?kVdksa ds xgu v/;;u ds Ik'pkr iksVZQksfy;ks dk fuekZ.k djsxkA og bl vuqikr esa MsV QaMksa esa i S l k yxk;sxk] rkfd mldh x.kuk iksVZQksfy;ks dks vf/kdre ewY; iznku djus esa l{ke gksA

lat; pkoyk eq[; fuos'k vf/kdkjh] cM+kSnk ik;fu;j ,,elh

nh?kZ&dkfyd y{;ksa ds fy, MsV QaM

Baroda PioneerMutual Fund

About Debt Fund

Preface: This paper is prepared for highlighting the requirement of Insurance for SME segment of the industry. This sector in the past has not managed the Risk to their business organization in a professional manner but with opening on Insurance sector & spreading of Information on Insurance product the approach to risk management in changing. SME Business organizations have recognized the utility of Insurance coverage for protecting against losses. The insurance cost for taking cover against risks which cannot be retained by an organization, is now being budgeted as it was being treated in large corporate houses earlier. Growing need for Insurance is an evidence of increased awareness amongst business community. While large corporation with growing focus on sustainable growth & stability of financial results are focusing on Insurance coverage. On the other hand small businesses & SME Enterprises in the past did not understand the requirement & benefit of taking insurance. The neglect in SME & individual owned business was generally due to Lack of Professional management of

business Availability of Cash Flow Poor understanding of Insurance

Covers

While looking at the requirement of taking Insurance SME/Individual own business have the maximum expense. Since there is no coverage or very limited coverage the Assets/Plant & Machinery/Supply chain gets exposed leading to a huge financial loss which can jeopardize the existence of the business itself.

Usage of Insurance Coverages for SME's :

Individuals & Firms are exposed to risks such as natural and man‐made risks, l iabi l it ies, natural disasters and calamities. In this context, insurance is a wise investment to limit your liabilities i n t h e eve nt o f a n u n p l e a s a nt occurrence to our assets, human resources, and business or to our clients who have invested in us and to whom we are liable. Without insurance a small business unit will find it difficult to survive financially in the event of any accident and insurance will act as s u p p o r t t o r e c o v e r y a f t e r t h e eventuality.

Sometimes due to scarcity of funds the S M E ' s l o o k t o m i n i m i z e t h e i r e x p e n d i t u r e a n d t e n d t o c u t expenditure on expenses like Insurance & Risk management. This leads to unwarranted exposure of their capital in the event of an accident or natural hazard.

Also, SME units are still not completely aware about the various insurance coverage available and there utility. They tend to believe t h a t b y taking the b a s i c precautiona r y & r i s k management measures at their own end they can prevent any loss from occurring & thus insurance remains an additional expense for them.

Owners of most of the small & medium enterprises (SMEs) are aware that risks

can directly affect their day to day operations, reduce profits & result in unexpected financial losses. In fact the losses can be so serious that they can cripple down their businesses and even render them bankrupt. However, many of them end up considering the most basic risks, such as fire or injury & buy insurance to protect only against them. This leaves them vulnerable to other potential losses & liabilities.

Start ing a business is a l l about possibilities, optimism, and promise. But it should also be a time for ensuring protection and security leading to stability & sustainability of business. This makes a comprehensive coverage of insurance essential for all small businesses.

Insurance today is not just covering one's life or health. It covers anything and everything under the sun, and is even tailor made to fit into different needs and specific requirements of offices, hotels, industries, shops,

agriculture etc, and their operations.

Anshu Puri SBI General Insurance Co Ltd New Delhi

Insurance Coverages for SME Industry

Insurance For SMEs

11

Insurance Coverage Explanation Pertains to

Standard Fire & Special Perils Policy

The policy covers loss and damage due to fire and its related perils i.e. a person having insurable interest can take out such insurance

Individuals e.g. House owner, Shop owner, Warehouse owner etc. Body Corporate e.g. Manufactures, Trading, Industry etc. Boilers, Lessee etc.

Burglary Policy

Policy covers loss or damage to

The property of the insured by The� following upon actual

forcible & violent entry into or exit out of the premises

Individuals e.g. House owner, Shop owner, Warehouse owner etc.

Body Corporate e.g. Manufactures, Trading, Industry etc. Boilers, Lessee etc.,

Electronic Equipment Insurance

Accidental loss or damage to electronic equipment due to any

reason not specifically excluded

Large & Medium Size Manufacturing Units , Corporates

Machinery Breakdown

All types of machinery , plant ,

mechanical equipment & apparatus

is covered

Large & Medium Size Manufacturing Units , Corporates

Group Medical Policy

Provides cover to all the members in a single policy. This policy helps companies iden�fy and mi�gate the risks their employees face.

Body Corporates , Schools & Colleges , any organiza�on comprising of a group of people

Cattle Insurance

Loss of their crops due to natural disasters, such as hail, drought, and floods, or the loss of revenue due to declines in the prices of agricultural commodi�es

Agricultural producers, including farmers

& ranchers

Pumpset Insurance

Covering loss of or damage to pumpsets due to fire & allied perils including riot, strike, malicious damage, terrorism, storm, cyclone and flood & inunda�on. It also covers loss of pumpset by burglary.

Agricultural producers, including farmers

& ranchers

Worksmen Compensation

Provides wage replacement and medical benefits for employees who are injured in the course of employment

Body Corporates , any organiza�on comprising of a group of people

Shopkeeper’s Insurance

comprehensive, policy designed to cover the losses arising out of a wide variety of risks and perils

Shop owners

Liability Insurance

Protects an individual or business from

the risk that they may

be sued and held legally liable for something such

as

malprac�ce, injury or negligence.

Public Liability :

Third party

Professional Liability (Doctor’s & Medical Prac��oner’s) :

Pa�ents

Product Liability :

Consumers, Manufacturers & Sellers

Director’s & Officers Liability Insurance :

The company, the shareholders, the employees, and the public at large

Tenants Liability :Tenants

Loss of pro�it Policy

This policy covers loss in an�cipated Gross Profit due to delay in project commissioning because of loss occurring in the project (storage/erec�on/tes�ng) phase.

Owners of Factories, Shops, Large & Medium enterprises, hotels & running small businesses

Pollution Coverage

Covers costs related to pollu�on this includes the costs of brownfield

restora�on and cleanup, liability for injuries and deaths caused by pollu�on.

Hospitality sector in par�cular , even owners of factories & Manufacturing units

Package Policies

Insurance that combines coverage from two or more types of Insurance into one policy.

Agriculture sector, Shopkeepers & Householders

Insurance For SMEs

12

23rd AGM (2014-15) at Mussoorie. On 2nd August 2014

Glimpse�of�214th�CEC�&�AGM�-�2014�Held�at�MussoorieAGM Meeting at Mussoorie

14

AGM Meeting at Mussoorie

15

16

Circulars/GOs/Notification

Recent�Circulars/GOs/Notificationsçs"kd]

egs'k dqekj xqIrk

çeq[k lfpo

mÙkj çns'k 'kklu

lsok esa

ƒ- leLr çeq[k lfpo mÙkj çns'k 'kklu

„- vk;qä ,oa funs'kd m|ksx mÙkj çns'k dkuiqj

lw{e y?kq ,oa m|e vuqHkkx &„ y[kuÅ% fnukad% 16 flrEcj] 2014

fo"k;%& mÙkj ins'k lw{e y?kq ,oa ek/;e m|e Ø; uhfr &„僆

egksn;]

mi;qä fo"k;d m|ksx funs'kky; ds i= la[;k „åˆ@,l ih ,l &‰@Ø; uhfr] fnukd ƒ‹&…&„僆 esa miyC/k djk;s x, çLrko iSj lE;d

fopkjksijkUr Hkkjrh; lafo/kku ds vuqNsn &…†Š dh mi/kkjk & … ,oa lw{ke] y?kq ,oa e/;e m|e vf/kfu;e] „ååˆ dh /kjk&ƒƒ ds v/khu çnÙk 'kfä;ksa dk

ç;ksx djrs gq, Jh jkT;iky egksn; voLFkkiuk ,oa vk|ksfxd fuos'k uhfr&„僄 ds fcanq la[k;k&†-Š ds çfo/kkuqlkj mÙkj çns'k lw{e] y?kq ,oa e/;e m|e

Ø; uhfr&„僆 dks ykxw fd;s tkus dh lg"kZ vuqefr çnku djrs gSA

„- vr bl lEcU/k esa mÙkj çns'k lw{ke] y?kq ,oa e/;e m|e Ø; uhfr &„僆 layXu dsj çsf"kr djrs gq, eq>s ;g dgus dk funsZ'k gqvk gS dh

—i;k layXu Ø; uhfr esa vafdr fn'kk funsZ'kks ds vuqlkj leqfpr çpkj çlkj djkrs gq, lHkh lEcaf/kr dks funsZf'kr djus dk d"V djsA

çs"kd

thos'k uanu]

çeq[k lfpo]

mÙkj çns'k 'kkluA

lsok esa]

leLr çeq[k lfpo@lfpo]

mÙkj çns'k 'kkluA

vkbZ Vh ,oa bysDVª‚fuDl vuqHkkx &ƒ y[kuÅ% fnukad 29 vxLr 2014

fo"k;% mÙkj çns'k bysDVª‚fuDl eSU;qQSDpfjax uhfr &„僆 ds fØ;koku ds laHka/k esaA

egksn;]

mi;qä fo"k;d ds lEcU/k esa eq>s ;g dgus dk funs'k gqvk gS dh Jh jkT;iky egksn;] "mÙkj çns'k bysDVª‚fuDl eSU;qQSDpfjax uhfr&„僆"

fuxZr fd;s tkus dh lg"kZ Loh—fr çnku djrs gSA

„- —i;k layXu mÙkj çns'k bysDVª‚fuDl eSU;qQSDpfjax uhfr&„僆 esa vius foHkkx ls lEcaf/kr fcUnqvks ds fØ;koku ds lEcU/k esa rRdky

vko';d dk;Zokgh lqfuf'pr djs rFkk —r dk;Zokgh ls bysDVª‚fuDl foHkkx dks Hkh voxr djus dk d"V djsA

http://udyogbandhu.com/DataFiles/CMS/file/UP_Electronics_Manufacturing_Policy_2014.pdf

MSME Purchase Policy - 2014 may be seen at :- http://www.iiaonline.in/doc_files/Doc%20-24.09.14.pdf

17

Trade Credit

n economy is as strong and

Aefficient as its financial

system. Unprecedented

stagnation in industrial output

and acceleration in NPAs are the

outcome of the systemic weaknesses in

the financial system. The trust-gap

induced disorderly developments in

Trade Credit [TC] or B2B credit sales

have resulted in credit deleveraging,

liquidity holdback, imbalanced credit

flows, weary market liquidity conditions

and higher credit risk perceptions. With

the decline in reliability, the underlying

quality of TC is on a decline in terms of

amount, tenure and general availability.

When credit cannot circulate freely, it

inhibits business activities in general.

These increase the risk of financial

distress/sickness in businesses. The

effects are of systemic proportion as in

terms of volume, activity, reach and

inclusiveness, TC network is far bigger

than bank credit. It forms the core of

working capital needs of firms of all

sizes, esp. of MSMEs. It plays a critical

role in management of production,

sales, liquidity and inventory in any

business.

At macro-level, market liquidity,

f u n d i n g o f l i q u i d i t y, c r e d i t

redistribution, reallocation of liquidity

and credit multiplier are significantly

determined by the TC eco-system. So,

bank-centric policies alone will be of

very limited use in tackling burgeoning

problem of NPAs as:

Liquidity crisis for MSMEs starts off when liquidity of TC network - a predominant alternative source of working capital - contracts as 95% of MSMEs is outside the bank credit. Further, circulatory and credit multiplier effects of bank credit and private savings depend on the length and breadth of sequential credit creation through TC chain. TC network provides last-mile links in credit redistribution across firms and spaces.

Liquidity crisis affects production, sales, earning, and capital of a firm and may cascade into solvency problem. Firms along the input-output supply chain are linked by TC relationships. Any decrease in credit quantity and its tenure by a unit may generate a liquidity cascade through the chain. If sufficient number of firms follows this, the network effect can impact financials of firms along the supply chain as they are linked by TC relations. This liquidity erosion is transmitted to other interconnected financial markets.

When creditors/investors experience uncertainty and slowdown they become more short-term/cash focused and safety/security-oriented. Result is higher liquidity-holdback, accelerated investment in Govt. securities, stock

market, mutual funds, retail chains, real estate, commodities, etc. Flow of funds into these activities result in lesser funds availability for business activities.

Further, businesses prefer to protect

their working capital/liquidity over credit sales. Liquidity-holdback preference and mutually reinforcing nature of greater caut ion by businesses in giving TC set-off a spiral of falling/delayed payment volumes. Interdependent network of TC transmit these shocks by disrupting credit-based payment and settlement system. In these circumstances, credit d e l e v e r a g i n g b e c o m e s s e l f -reinforcing.

Credit sources tend to dry up more

rapidly for MSMEs during economic downturn. Illiquidity saps the strength of firms to face the challenges of slowdown and temporary setbacks which may result in credit insolvency.

During slowdown and uncertainty businesses enter into play-safe-mode.

Tightening of TC also increases risk for bank credit as it affects liquidity and

B.L. ChandakDGM, SIDBI, Mumbai

efficiency of a firm's working capital management. Bank credit cannot work efficiently and optimally in isolation of TC.

Banks' greater inclination towards retail loans vs. Production loans, excess loans beyond production requirements to rated corporate vs reluctance to extend credit to vast majority of credit-anemic MSMEs lead to dysfunctional credit market.

Banks' excess SLR holdings instead of channelizing funds to businesses reduces business credit

liquidity holdback by the high-end

corporates [high cash balances], high

leve l o f f i nanc ia l i nves tmen t ,

deceleration in their credit redistribution

via TC, their strong preference for cash

sales and credit purchase impact normal

functioning of short-term funding

market. Stunted TC channels reinforce

credit crunch

NPA EnvironmentDespite CDR, spurt in NPA sales to asset reconstruction companies, write-off and

concerted efforts of recovery, NPAs are steadily increasing. Financial sickness as reflected in banks' NPA is only a small portion of total if bad loans/credit in the private sector are factored in. The situation is worse in private credit as banks at least have some security and strong legal back-up for recovery. The liquidity situation in TC is steadily deteriorating. Delays in TC payment are becoming a normal phenomenon. With the general increase in payment cycle,

tightening of TC and bank credit and liquidity holdback, market liquidity is drying up. It is so significant that some of the units are unable to honor their

regular payment. The situation is worsening as fresh flow of funds in TC is absent whereas drainage of funds is on. Result is an unprecedented decline in manufacturing. Illiquidity in TC is transmitted to bank credit channel. The problem of NPAs in banks cannot be solved without addressing the problems in private credit. However, the real concern is that this fact is little understood as all analytics confine to bank credit and bank NPAs.

Focus on a part of financial system can obscure vulnerabilities arising from TC that eventually may prove very critical. An integrated approach is required.

When market liquidity conditions are poor even lowering of interest rates will not help increase credit growth as banks/trade creditors tight lending standard esp. to uncollateralized borrowers. Attempt to increase supply of bank credit without addressing problem

of TC circulation/availability could easily proved to be short-lived and less effective. Liquidity hoarding by firms prevents its redistribution to liquidity-deficient firms. This warrants corrective measures.

Monetary policy transmission can be affected by aggregate decisions of businesses to increase or decrease reliance on TC. Top down use of monetary

transmission mechanism alone is insufficient to counter the problem of sickness/NPA. Need for bottom-up approach – micro-economic stimulation of lending transactions through TC is essential.

TC deleveraging and liquidity constraints remain a major headwind for NPAs and growth in the coming period. As such trade finance intervention is required as it can mitigate the problems of credit/liquidity constraints for vast majority of firms. A policy that strengthen TC's role as lender of last resort for unbanked uni ts and faci l i tates strengthening of existing trade credit relationship can counter negative market conditions. These also will facilitate credit growth, recovery and lower NPAs.

Trade Credit

18

19

IIA IN NEWS

20

04 tqykbZ 2014%& cjsyh pSIVj us xaxk dy'k ;k=k dk Lokxr fd;kA xaxk lQkbZ vfHk;ku o xaxk dh lQkbZ dh egRoiw.kZrk le>rs gq, vkbZ0vkbZ0,0 ds mifLFkr yxHkx 40 lnL;ksa us xaxk dks nwf”kr u djus dk iz.k fy;kA pSIVj ps;jeSu ?ku';ke [k.Msyoky us Lohdkj fd;k fd ufn;ks dks iznwf”kr djus esa m|ksxksa dk ;ksxnku jgk gS] vkSj vc xyrh dh foospuk ds ctk; mldk fuLrkj.k djuk gksxkA ;k=k dk Lokxr djus esa ,l-ds- flag] ch-ch- 'khy] vkj- ds- xks;y] lanhi gjh] foey jsokM+h pUnzHkw”k.k lDlsuk] vfYir vxzoky vkfn m|eh mifLFkr jgsA06 tqykbZ] 2014%& cjsyh pSIVj dh dk;Zdkfj.kh lfefr dh cSBd vk;ksftr dh xbZA pSIVj ps;jeSu ?ku';ke [k.Msyoky us lHkk esa mifLFkr lHkh lnL;ksa dk Lokxr fd;k vkSj ,ts.Mk ds vuqlkj fof/kor :i ls dk;Zokgh izkjEHk dhA bl fefVax esa izksfofM;aM QaM ij ,d lsfeukj dk Hkh

vk;kstu fd;k FkkA ftlesa ,fM'kuy lsaVªy ih-,Q- dfe'uj ,l-ds- Bkdqj] fjtuy ih-,Q- dfe'uj vkyksd ;kno us izksfoM;aV QaM ds fu;eksa esa vk;s cnyko ls voxr djk;kA mUgksaus lnL;ksa ds ih-,Q ls tqMs lokyksa ds Hkh tokc fn;sA lHkk esa pSIVj ps;jeSu ?ku';ke [k.Msyoky pSIVj lfpo foey jsokM+h] pSIVj dks”kk/;{k ruqt Hklhu] vkj-ds- xks;y] lanhi gjh] ,l-ds- flag] Hkkjr Hkw”k.k 'khy] lqjs'k lqUnjkuh] fnus'k xks;y] lrh'k vxzoky] rstsanj flag] euksgj yky /khjokuh] eukst iatkch m|eh ekStwn jgsA28 tqykbZ] 2014%& dyDVªsV lHkkxkj esa ftykf/kdkjh dh v/;{krk esa ftyk m|ksx cU/kq dh cSBd lEiUu gqbZA cSBd esa baMfLVª;y ,fj;k esa [kkyh iM+s IykVksa dk fujLrhdj.k dk eqn~nk mBkA m|ksx foHkkx ds vQljksa us crk;k fd ijlk[ksM+k esa dqy 379 IykV dkVs x;s FksA lHkh IykV m|fe;ksa us ys fy;s buesa ls 282 IykVksa ij

m|ksx yxs vc 179 m|ksx gh py jgs gSa ftu IykVksa ij vc dksbZ dke ugha gqvk gS mUgsa fujLr djds nwljs m|fe;ksa dks vkoafVr fd;k tk;sxkA lh-ch- xat o vU; vkS|kSfxd LFkkuksa esa pkjfnokjh cuokus dk HKh ftykf/kdkjh us vk'oklu fn;kAHkkts hijw k xk¡o vHk;iqj ea s u;s yx jgs lfj;k m|kxs dks fctyh vkifw rZ ds fy, [kca s yxxs s vkSj ykbu f[kph tk;xs hA ijlk[kMs k+ vkSj ckdh vkS|kfs xd {k=s ea s gkus s okyh uxj fuxe dh dj olyw h dk 60 Qhlnh jkf'k dks lEcfa /kr bykds dh cqfu;knh lgqy;ks ij dke djus ds vkn's k Mh0,e0 us tkjh fd;As bl ekSds ij ,Mh,e iz'kklu v:.k dqekj vkbZ-vkbZ-,- mik/;}k Hkkjr Hk”w k.k 'khy] vkbZ0vkbZ0,0 lykgdkj vkj-d-s xks;y] vkbZ0vkbZ0,0 ps;eSu euksgj yky /khjokuh] vkbZ0vkbZ0,0 lfpo ruqt Hklhu] jkt's k xqIrk] foey jos kMh+ lfgr dbZ m|eh o vkykf/kdkjh ekStnw jgAs

cjsyh

16 tqykbZ] 2014%& xkft;kckn esa ftyk m|ksx cU/kq cSBd dk vk;kstu vij ftykf/kdkjh pqudw jke iVsy dh v/;{krk esa fd;k x;kA ftlesa egkizcU/kd ftyk m|ksx dsUnz] fgeka'kq xaxokj] {ks=kf/kdkjh f}rh;] 'kgj] dqekj j.kfot; flag] vij uxjk;qDr Mh-ds- flaUgk lfgr fofHkUu foHkkxksa ds vf/kdkfj;ksa us Hkkx fy;kA26 tqykbZ] 14%& pS;jesu ,EiykW;esUV ,Dlpsat] ofdZax xzqi ts-ih- dkSf'kd th dh vuqefr ls eS0 tst fefM;k izk0 fy0] iatkc ,DliSyj dEikmUM] esjB jksM] xkft;kckn esa vk;ksftr tujy cSBd iqjkus eqnn~ksa ij ppkZ dh xbZ] ftlesa egklfpo uhjt fla?ky] dsUnzh; dk; Zdkfj.k h lnL; vfer ukxfy;k] xkft;kckn pSIVj pS;jesu jktho xks;y] lfpo izeksn tkWu] dks”kk/;{k ;'k tqustk ¼jktw½ ,oa pSIVj okbZl ps;jeSu eukst dqekj mifLFkr jgsA cSBd esa fu.kZ; fy;k x;k fd ubZ dk;Zdkfj.kh lfefr gsrq ,d izsl dkUQzsal vk;ksftr dh tk, ,oa iqjkuh dk;Zdkfj.kh ds lnL;ksa ,oa u, dqN dk;Z'khy lnL;ksa dks vkaef=r fd;k tk,A cSBd esa fu/kkZfjr fd;k x;k fd izR;sd {ks= esa ,d dk;Z'khy lnL; dks fu;qDr fd;k tk,] tks

izfr&lIrkg 2 ?k.Vs vius {ks= esa lnL;ksa dks ns lds] ftldh fjiksVZ pS;jesu dks izkIr gksuh pkfg,] rkfd mu xfrfof/k;ksa dks ¼;fn vko';d gks½ eqfnzr djk;k tk ldsA eukst dqekj dks ,l-,l-th-Vh- jksM vkS|ksfxd {ks= esa izR;sd lIrkg lnL;ksa ds lkFk cSBd ;k vU; xfrfof/k;ksa ds fy, fu;qDr fd;k x;kA09 vxLr] 14%& xkft;kckn ds izkax.k esa eaFku cSBd ,oa izsl dkUQzsal dk vk;kstu fd;k x;kA bl ckj eaFku vkbZ-vkbZ-,- xkft;kckn pSIVj ds o”kZ 2014&15 ds fy, y{; ,oa nkf;Ro ij j[kk x;k rFkk izsl dkUQzsal o”kZ 2014&15 ds fy, xfBr ubZ dk;Zdkfj.kh dh lwpuk nsus ds lEcU/k esa j[kh xbZA egklfpo uhjt fla?ky us iztUVs'ku ds ek/;e ls vkbZ-vkbZ-,- dh xfrfof/k;ksa dks foLrkj ls crk;kA vkbZ-vkbZ-,-

xkft;kckn pSIVj ds xksYl ,oa nkf;Roksa dks fu/kkZfjr fd, x, rFkk foHkkxkuqlkj ,oa {ks=kuqlkj lnL;ksa dks fu;qDr fd;k x;k rFkk dgk x;k fd tks lnL; le; ns ldrk gS] oks gh vkbZ-vkbZ-,- ds nkf;Roksa dks lEHkkysA eaFku cSBd esa rFkk izsl dkUQzsal ds le; crk;k x;k fd vkbZ-vkbZ-,- dsUnzh; Lrj ij xkft;kckn ds vfer ukxfy;k dks dsUnzh; dk;Zdkfj.kh lnL;] uhjt fla?ky dks iqu% izns'k egklfpo] ts-ih- dkSf'kd dks ,EIykW;esUV ,Dlpsat ofdZax xzqi pS;jesu] uohu /kou dks dkW&pS;jesu] ch-ih- 'kekZ dks vkbZ-ih-vkj- ofdZax xzqi pS;jesu] lkdsr vxzoky dks vkj-Vh-vkbZ- ofdZax xzqi pS;jesu rFkk jktho xks;y dks vkbZ-vkbZ-,- xkft;kckn pSIVj dk pS;jesu fu;qDr fd;k x;k gSA

xkft;kckn

25 tqykbZ] 2014%& pSIVj dh vke lHkk o inHkkj xzg.k lekjksg vfuy xqIrk dh v/;{krk esa lEiUu gqbZA pSIVj lfpo foosd vxzoky us

vkbZ0vkbZ0,0 dh okf”kZd fjiksVZ 2013&14 dks lHkh lnL;ksa ds le{k la{ksi esa izLrqr fd;kA pSIVj dks”kk/;{k eukst xqIrk us o”kZ 2013&14

dk;Zdky dk vk;&O;; dk ys[kk&tks[kk izLrqr fd;kA vkbZ0vkbZ0,0 ds iwoZ mik/;{k v'kksd vxzoky }kjk o”kZ 2014&15 ds uo euksuhr

'kkgtgkaiqj

Chapter Activity

21

07 tqykbZ] 2014%& bafM;u baMLVªht ,lksfl,'ku ds v/;{k izeksn fexykuh }kjk dsŒ,yŒ vjksMk dks o”kZ 2014&15 ds fy, lgkjuiqj pSIVj dk ps;jeSu fu;qDr fd;k x;k o fo'okl trk;k fd vki laLFkk dks ubZ ÅpkbZ;ksa rd ys tk;sxsaA cSBd esa iwoZ v/;{k jketh lqustk ,oa izoh.k lMkuk us dgk fd vkbZ-vkbZ-,- dh dk;Z'kSyh ldkjkRed dk;Z djus vkSj fcuk fdlh jktuSfrd gLr{ksi ds laLFkk us vius dk;ksZ ds cy ij viuh igpku izns'k o dsUnz Lrj ij cukbZ gSA lgkjuiqj pSIVj ds uofu;qDr ps;jeSu iwjs tks'k ds lkFk ,e,l,ebZ lsDVj ls tqMs m|fe;ksa dh leL;kvksa dks 'kklu o iz'kklu ds le{k j[krs gq, mudk fuLrkj.k djsxsa ,oa lgkjuiqj pSIVj dk eku&lEeku c<+k,sxsaA uofu;qDr pSIVj ps;jeSu dsŒ ,yŒ vjksMk us vius lEcks/ku esa dgk fd eSa vki lc dks fo'okl fnykrk gw¡ fd viuh iwjh fu”Bk o vkRefo'okl ds lkFk laLFkk dk lapkyu d:xkaA cSBd dk lapkyu vkbZ-vkbZ-,- dsUnzh; dk;Zdkfj.kh lnL; esa ikWoj ofdZax xzqi ds ps;jeSu latho vjksM+k us fd;k ,oa iwoZ ps;jeSu lat; ctkt us o”kZ 2013&14 esa laLFkk }kjk dh xbZ xfrfof/k;ksa ,oa miyfC/k;ksa ls voxr djk;kA cSBd esa mik/;{k v'kksd xk¡/kh] lfpo

lq'khy lMkuk] lhbZlh lnL; dsŒvkjŒ fla?ky] eaMy v/;{k vkjŒdsŒ /kou] iwoZ v/;{k] lanhi xqIrk] jktsUnz xkck o lnL;x.k l- gjthr flag] v'kksd NkcMk] 'kyHk jk;] izeksn lMkuk] jkds'k xk¡/kh] jfoUnz fexykuh] MhŒdsŒ xqIrk] vuwi [kUuk] ,u-ds- ryokj] lqHkk”k fexykuh] va'kqy vjksMk] ohjHkku HkVstk] fou; ngwtk] jkts'k lijk] foosd pkoyk] iquhr fexykuh] ijfoUn flag] izse Dok=k] vksadkj flag] jkts'k xqIrk] euthr flag vjksM+k] dqynhi /kehtk] ;ksxs'k dqekj] ohŒdsŒ tSu] xqy'ku xk¡/kh] jkds'k oekZ] fou; c=k] vfouk'k vxzoky ds lkFk yxHkx 200 m|eh lnL;ksa us Hkkx fy;kA10 tqykbZ] 2014%& lgkjuiqj pSIVj dh ctV leh{kk ds fy, ,d cSBd v/;{k izeksn fexykuh ds usr`Ro esa lEiUu gqbZA ftlesa pSIVj ps;jeSu dsŒ,yŒ vjksMk] iwoZ jk”Vªh; v/;{k jketh lqustk] mik/;{k v'kksd xk¡/kh ,oa dk;Zdkfj.kh lnL; latho vjksMk] dsŒvkjŒ fla?ky mifLFkr FksA jk”Vªh; v/;{k izeksn fexykuh us dgk fd foRrea=h v:.k tsVyh }kjk tks dsUnzh; ctV is'k fd;k x;k gS og ,e,l,ebZ lsDVj ds m|ksxksa ds fy, mruk vPNk ugha gS ftruk dh vis{kk FkhA pSIVj ps;jeSu dsŒ,yŒ vjksMk us vius lEcks/ku esa dgk fd ;g ctV dkaxzsl

ljdkj }kjk igys ?kksf”kr fd;s x;s ctV ls gVdj gSA bl ctV esa m|fe;ksa dh eqyHkwr vko';drk,sa tSls lM+d] fctyh] lksyj ,uthZ ds Åij ljdkj us fo'ks”k /;ku dsfUnzr fd;k x;k gSA ;g ctV m|fe;ksa ds fy, feyktqyk ,oa larqfyr ctV gSA ctV leh{kk cSBd esa fMfotuy ps;jeSu vkjŒdsŒ /kou] 'kyHk jk;] vuwi [kUuk] ohŒdsŒ tSu] jkds'k xk¡/kh] gjthr flag] ,lŒ dqekj] uan fd'kksj ryokj] lqHkk”k fexykuh] bdjke gaQh] vfuy vxzoky] jkts'k xqIrk] eqds'k xks;y] lh-ih- NkcMk] egs'k pkoyk vkfn lnL; mifLFkr FksA 13 tqykbZ] 2014%& lgkjuiqj pSIVj ds lykgdkj lfefr lnL;ksa dh o”kZ 2014&15 dh izFke cSBd v/;{k] izeksn fexykuh dh v/;{krk esa vkbZ-vkbZ-,- dk;kZy; esa lEiUu gqbZA v/;{k izeksn fexykuh us dgk fd iwjs izns'k esa vkS|ksfxd okrkoj.k ek= fctyh dh leqfpr vkiwfrZ u gksus ds dkj.k [kjkc gks jgk gSA izR;sd tuin tks vU; jkT;ksa ds lhekorhZ gS ls] og m|ksx iyk;u dj vU; jkT;ksa esa izfrLFkkfir gks jgsa gSA pSIVj ps;jeSu dsŒ,yŒ vjksMk us dgk fd m|ksx foHkkx ds fufj{k.kksa ds vuqlkj Hkh lgkjuiqj tuin ls o”kZ 2001&02 dh rqyuk esa vkt lgkjuiqj tuin esa vkS|ksfxd bdkbZ;ksa dh la[;k vk/kh ls Hkh de jg xbZ gSA iwoZ v/;{k jketh lqustk] izoh.k lMkuk o izns'k mik/;{k v'kksd xk¡/kh us dgk fd fctyh dh va/kk/kq/k dVkSrh ls jgs&lgs m|ksx Hkh canh dh dxkj ij gSA v'kksd ctkt] latho vjksMk] lanhi xqIrk] jktsUnz xkck o lat; ctkt us dgk fd yks oksYVst ds dkj.k ;fn m|ksxksa dks fctyh izkIr Hkh gksrh gS rks mldh xq.koRrk bruh [kjkc gksrh gS fd mlls e'khus ugh apy ikrh ftlds dkj.k m|ksxksa dks tujsVj dk lgkjk ysuk iM+rk gS vkSj ftl dkj.k vfr Hkkj m|ksxksa ds Åij iM jgk gSA 16 tqykbZ] 2014%& pSIVj ps;jeSu dsŒ,yŒ vjksMk dh v/;{krk esa vkbZ-vkbZ-,- dk ,d

lgkjuiqj

pSIVj ps;jeSu izdk'k pUnz dykuh dks 'kiFk ,oa inHkkj xzg.k djk;k x;kA blh Øe esa bZaV HkV~Vk ,lksfl,'ku ds izkUrh; mik/;{k d`”.k dqekj xxZ rFkk ftyk v/;{k jkds'k diwj ,oa ofj”B lnL; fo'okfe= rM+oky }kjk laLFkk dks c<+kus ds lEcU/k esa vius fopkj O;Dr fd;sA

lapkyu pSIVj lfpo foosd vxzoky us fd;k cSBd esa izse 'kekZ] fo'okfe= rM+oky] v'kksd [kUuk] jkexksiky vxzoky] jkds'k diwj] d`”.k dqekj xxZ] t;fd'ku dfV;kj] jk?ko xxZ] lqeupUnz xqIrk] eukst] lfpu eykuh] fot; dykuh] gfjfd'kksj xqIrk] izse ukjax] fo'o eksgu xqIrk] eukst [kUuk] jes'k JhokLro] jtr diwj] fouksn dykuh] t; vxzoky] vo/ks'k feJk] izse 'kekZ bR;kfn lnL;x.k mifLFkr jgsA

Chapter Activity

22

izfrfuf/k eaMy iqfyl v/kh{kd ¼uxjh;½] lgkjuiqj ls muds dk;kZy; esa feyk vkSj voxr djk;k fd lkou esa dkoM+ ;k=k ds nkSjku lHkh gYds o Hkkjh okgu nsgjknwu jksM o vEckyk jksM ij oftZr dj fn;s tkrs gSa ftlls

dkoM+ ;kf=;ksa dks ijs'kkuh u gksA ijUrq laLFkk ds dqN m|eh lnL;ksa dh QSDVªh;k¡ bu nksuksa jksMksa ij LFkkfir gSa ftUgsa viuh QSDVªh;ksa esa vkuk&tkuk iM+rk gSA vr% m|eh lnL;ksa ds okguksa dks ikl fuxZr djus ds fy, dgk x;kA

ftl iqfyl v/kh{kd egksn; }kjk lnL;ksa ds ikl fuxZr djus ds vkns'k fn;s x;s vkSj lacaf/kr m|fe;ksa ds ikl cuok;s x;sA

03 tqykbZ] 2014%& vkbZ0vkbZ0,0 ds fMfotuy ps;jeSu ,-Mh- ik.Ms;] pSIVj lfpo egs'k R;kxh ds lkFk xkSre cq) uxj ds ftykf/kdkjh ,-jktk eksyh ls muds vkokl ij vius lnL; esllZ vueksy csdlZ izkbosV fyfeVsM dh leL;k dks ysdj eqykdkr dhA ftykf/kdkjh egksn; dks Kkiu lkSirs gq, ik.Ms; vkS|ksfxd {ks= esa yscj ;wfu;u ds gks jgs izos'k ds fo”k; esa vkifRr trkrs gq, fuosnu fd;k dh bl rjg ds vjktd rRo ds izos'k ls vkS|ksfxd bdkbZ;ksa dk uqdlku gksxk vkSj QSDVªh pykus esa dkQh ijs'kkfu;ksa dk lkeuk djuk iM+sxkA bl ekSds ij vkbZ0vkbZ0,0 ds pSIVj okbZl ps;jeSu iznhi vxzoky] pSIVj lfpo egs'k R;kxh] vueksy csdlZ ls ch0,l0 'kekZ vkfn yksx ekStwn jgsA

11 tqykbZ] 2014%& txr Qkje xzsVj uks,Mk esa fo|qr fu;ked vk;ksx ds v/;{k Mh-Mh- oekZ ¼vkbZ,,l½ vkbZ-ch- ik.Ms; ¼esacj vk;ksx½ vkSj ehuk{kh flag ¼esacj vk;ksx½ us tuvnkyr o”kZ 2014&15 dh fctyh dh nj fu/kkZj.k gsrq tu vnkyr dk vk;kstu esa fgLlk fy;kA ftlesa ,uihlh,y us 95% gkbd dk izLrko j[kkA blds mRrj esa vkbZ0vkbZ0,0 us fuEu fcUnq j[ks%&

1- bl ehfVxa dh lpw uk LFkkuh; Lrj ij ,uihlh,y }kjk ugha crkbZ x;h vkjS u gh tulkekU; dks v[kckjka s }kjk le; ls lfw pr fd;k x;k] tks vke vkneh ds lkFk /kk[s ks tlS k gAS

2- egRoiw.kZ ckr ;g gS fd ,uihlh,y cSysal 'khV esa vius lkjs rF; [kqn gh n'kkZrs gSa vkSj lcls T;knk [kpZ fjis;j vkSj ejEer esa fn[kkrs gS tks iwjh rjg rF;ghu gS bldks lkfcr djus ds fy, ge fdlh rhljh ,tsalh tSls dSx ls vkWfMV djkus dh eakx djrs gSaA

3- uks ikoj dV tksu gksus ds ckotwn Hkh yksM 'ksfMax pkVZ ,uihlh,y }kjk tkjh fd;k x;k

gS] vkSj v?kksf”kr fctyh dV yxkrkj tkjh gSA

4- vkS|ksfxd {ks= esa jkst rdjhcu 8 ls 10 fVªfiax vkSj 3 ls 4 ?kaVs dh dVkSrh gSA

5- xzsVj uks,Mk ds miHkksDrkvksa dks uks,Mk ls dkWfEifV'ku ysuk iM+rk gS vkSj uks,Mk esa jsxqysVjh ljpktZ dkQh de gS vkSj fctyh dh fLFkfr Hkh dkQh vPNh gSA

6- u, dusD'ku ysus esa 2 ls 4 eghus dk oDr yxrk gSA

7- fctyh dh O;oLFkk dh otg ls fiNys 10 lky esa bl {ks= esa dksbZ cM+h vkS|ksfxd ifj;kstuk ugha vkbZ gSA

8- ykbu ykWl ds ckjs esa rF; ;g gS fd 50% dusD'ku 33 dsoh ls gS tgk¡ ykWl 1-0% ls 1-5% rd gSA 25% dusD'ku 11 dsoh ls gS tgk¡ ij ykWl 2% ls 4% gS ckfd lkjs ykWl 25% dusD'ku ij gS tks Lo;a n'kkZrk gS fd vxj ,uihlh,y vius ykbu ykWl ¼tks fd iwjh rjg Hkzfer djus okys gSa½ dks lgh fn'kk o n'kk esa dj ys rks fctyh dh njs c<k+us dh t:jr eglwl ugh gksxhA bl ekSds ij vkbZ0vkbZ0,0 dh rjQ ls fMfotuy ps;jeSu

,-Mh- ik.Ms;] pSIVj ps;jeSu ih-,l- pkSgku] pSIVj lfpo egs'k R;kxh] iznhi vxzoky] ih-ds- frokjh] vfuy tSu] ts-,l- jk.kk] ds-ih- flag] vfuy xxZ vkfn yksx ekStwn jgsA

12 tqykbZ] 2014%& vkbZ0vkbZ0,0 dh bafM;k VsªM izeks'ku dh ps;jilZu jhrk esuu ¼vkbZ,,l½] tkWbaV MsoyiesaV dfe'uj ,e,l,ebZ lat; folkfj;k] ,u,lvkbZlh funs'kd mn; dqekj ,oa vkbZ0vkbZ0,0 v/;{k izeksn fexykuh ds le{k laiUu gqbZA cSBd esa vkbZVhihvks }kjk ,e,l,ebZ m|fe;ksa ds fy, us'kuy ,oa baVjus'kuy VªsM Qs;j esa lfClMh ds ckjs esa ppkZ gqbZA ,u,lvkbZlh ds funs'kd 75% vkSj LVky cqfdax ij 50% dh lfClMh dh lqfo/kk miyC/k djk jgh gSA ,e,l,ebZ tkWbaV MsoyiesaV dfe'uj }kjk ,e,l,ebZ mn~fe;ksa ds fy, u;h ;kstukvksa ij izHkkoh rjhds ls vxys 3 eghus ds vanj vkbZ0vkbZ0,0 ds lkFk feydj vos;jusl izksxzke dk vk;kstu txg txg djk;s tk;saxs , slk vk'oklu feykA bl ek Sds ij vkbZ0vkbZ0,0 xzsVj uks,Mk pSIVj ds ps;jeSu ,-Mh- ik.Ms;] pSIVj okbl ps;jeSu ,l-,u- ik.Ms;] vfuy xxZ] ds-ih- flag] ujsanz xqIrk vkSj eksgEen Qty m|fe ekStwn jgsA

xszVj uks,Mk

gkiqM+03 tqykbZ] 2014%& vkbZ0vkbZ0,0 gkiqM+ pSIVj o Mh0vkbZ0,0 us feydj pSEcj vkWQ dkelZ esa fo|qr leL;k fuokj.k dSEi dk vk;kstu fd;kA

blesa pSIVj ps;jeSu veu xqIrk o vkbZ0vkbZ0,0 ds iwoZ lfpo v'kksd Nkfj;k o lfpo jktsUnz xqIrk us lEcksf/kr fd;kA dSEi esa fuxe ds

vf/kdkfj;ksaus m|fe;ksa dh leL;k lquus ds lkFk&lkFk gh u, fo|qr dusD'ku dk vkoaVu dk dk;Z fd;kA m|fe;ksa dh leL;kvksa dk

Chapter Activity

21 tqykbZ] -2014%&

vkS|ksfxd {ks= ljkstuh uxj ,oa vekSlh esa ukfy;ksa dh lQkbZ ,oa ejEer dk;Z gsrq :0 20-67 yk[k dk vkax.ku eq[;ky; Lrj Lohd`r gks x;k gS] bl dk;Z dh fufonk fnukad 17-07-2014 dks vkefa=r dh x;h gS] ijUrq mDr frfFk ij fufonk dh dk;Zokgh iw.kZ u gksus ds dkj.k iqu% fnukad 30-07-2014 dks vkefa=r dh x;h gSA ftl ij lfefr }kjk ;w0ih0,l0vkbZ0Mh0lh0 ds izfrfuf/k dks fufonk dh dk;Zokgh iw.kZ gksus ds ,d lIrkg ds vUnj mDr dk;Z izkjEHk djk;s tkus ,oa 15 vxLr rd rS;kj djkus gsrq eq[; vfHk;Urk] ;w0ih0,l0vkbZ0Mh0lh0 ,oa eq[; vfHk;Urk] m0iz0 ty fuxe dks fuLrkj.k djk;s tkus gsrq ds funsZ'k fn;sA

cSBd es ;w0ih0,l0vkbZ0Mh0lh0 ds izfrfuf/k }kjk lfefr dks voxr djk;k x;k fd vkS|ksfxd {ks= fpugV es ,izksp LySc dks gVkus gsrq bdkb;ksa dks uksfVl Hkh fn;k x;k gS] ijUrq bdkb;ksa }kjk ,izksp LySc ugha gVk;k x;k gSA ,izksp LySc gVkus ds ckn gh dk;Zdj ikuk lEHko gSA ftl ij lfefr }kjk

m | f e ; k s a d s l g ; k s x l s ;w0ih0,l0vkbZ0Mh0lh0 bdkbZokj ,izksp LySc gVokrs gq, vxyh cSBd es oLrqfLFkfr ls voxr djkus dk fu.kZ; fy;kA

{ks=h; izcU/kd ;w0ih0,l0vkbZ0Mh0lh0 ds izfrfuf/k us voxr djk;k fd dwM+k fuLrkj.k gsrq dksbZ Hkh IykV& Hkwfe miyC/k ugh gSA bl laca/k es lfefr }kjk mifLFkr izfrfuf/k dks mPp Lrj ij izdj.k mBkdj leL;k dk fuLrkj.k djkrs gq, vxyh cSBd es oLrqfLFkfr ls lfefr dks voxr djkus dk fu.kZ; fy;kA

cSBd es v/;{k }kjk foxr cSBd es fy, x;s fu.kZ; ds vuqikyu es cSBd ds nkSjku nwjHkk”k ij okrkZ dj mi ftykf/kdjh lnj dks eS0 vkxZ QwM~l xzke f”kojh] ijxuk dkdksjh] y[kuÅ dh dqy jdck 12 ch?kk 19 fcLok] 17 foLoklh gS] ijUrq mldk dqN Hkkx tks fd yxHkx 2 ch?kk 9 foLok 7 foLokalh d`f"k foHkkx us vukf/kd`r :Ik ls dCtk dj e`nk yo.krk vuqla/kkku laLFkku dks 90 o"kZ dh yht ij ns j[kk gSA

cSBd es ftyk vkcdkjh vf/kdkjh }kjk lfefr dks voxr djkl;k fd mDr bdkbZ us 400 ,e0Vh0 'khjk ds ykvlsal gsrq vuqjks/k fd;k gSA

vkbZ0vkbZ0,0 }kjk voxr djk;k x;k fd mDr izdj.k CkSBd fnukad 28-12-2013 es yksd fuekZ.k foHkkx ds izfrfuf/k }kjk lfefr dks voxr djk;k x;k fd leL;k ds fuLrkj.k gsrq vkx.ku ykxr :0 97-09 yk[k dk LVhesV rS;kj dj iz'kkldh; ,oa foRrh; Lohd`fr iznku fd;s tkus gsrq eq[;ky; izsf'kr dj fn;k x;k gSA ctV izkIr gksrs gh ejEer laca/kh dk;Z izkjEHk dj fn;k tk;sxkA bl vis{kk ds lkFkizdj.k lekIr dj fn;k x;k Fkk ijUrq vhkh rd mDr lM+d fuekZ.k@ ejEer dk;Z yfEcr gSA lM+d es cM+s& cM+s x<~<s gksus ds dkj.k ckjlkr dk ikuh Hkj tkrk gS vkSj LFkkuh; m|fe;ksa dks viuh bdkbZ rd igWpus es vR;kf/kd vlqfo/kk gksrh gSA ftl ij lfefr }kjk egk izcU/kd ftyk m|ksx dsUnz dh vksj ls lacaf/kr foHkkx dks mDr leL;k ds fuLrkj.k gsrq i= izsf'kr djus ds funsZ'k fn;sA

y[kuÅ

fuokj.k djus dk vk'oklu fn;kA

10 tqykbZ] 2014%& fctyh dVkSrh ij vf/k'kklh vfHk;Urk ds vkWfQl ij m|fe;kas dk fojks/k izn'kZuA

22 tqykbZ] 2014%& vkbZ0vkbZ0,0 vkSj Mh0vkbZ0,0 us feydj 19oka fo'kky dkaoM dSEi dk 'kqHkkjEHk fd;k] ftlesa lHkh vkbZ0vkbZ0,0 eEcj o m|fe;ksa us fgLlk fy;kA bl volj ij ftyk iapk;r v/;{k ¼esjB½] pkS0 egsUnziky flag o ftykf/kdkjh gkiqM+ vkj-ds- flag ,oa iwoZ ftyk iapk;r v/;{k esjB n;kuan xqIrk lfgr vU; iqfyl ,oa fctyh foHkkx ds vf/kdkjh mifLFkr FksA

19th July, 2014:‐ A team of IIA

members attended Mandaliya

Udyog Bandhu meeting at the

Commissioner's Office. Most of the

agendas are related with Power

Corporation, UPSIDC, and Trade

Tax . T h e i nte re st m o n ey o n

entrepreneur's deposit during

seeking connection has not been

adjusted over the years by the

officials of Power Corporation.

Taking cognizance of the matter, the

Commissioner issued order to

Superintendent Engineer of Power

Corporation to adjust the interest

due to the entrepreneurs latest by s t

31 July 2014:‐ Commissioner

directed Power Corporation to

improve the supply by taking all

effective measures.

21st July, 2014:‐ A team of IIA

members along with Chairman

D h a n j ay S h a r m a , D i v i s i o n a l

Chairman Vidup Agrahari, Mr.

Arvind Agarwal, Mr Vishal Mohan,

and Chapter Secretary Ashish

Kesarwani met Principal Secretary

Shri Alok Ranjan at the Circuit House

and handed over a memorandum of

regularities in functioning their

units. Principal Secretary assured all

help and support to MSMEs.

Allahabad

Chapter Activity

23

08 tqykbZ] -2014%& vkbZ0vkbZ0,0 lHkkxkj esa m|ksxksa ds fgro)Zu gsrq Økfbly jsfVax ,tsUlh dh odZ'kki dk vk;kstu fd;k x;k A pSIVj ps;jeSu lanhi 'kqDyk }kjk mifLFkr m|fe;ksa ,oa lEcfU/kr foHkkxksa ds vf/kdkfj;ksa dk Lokxr djrs gq, dgk x;k fd ;gka ds m|fe;ksa dks tkx:d djus ds mn~ns'; ls ;g odZ'kki vk;ksftr dh x;h gSA fØfly jsfVax ,tsUlh ds {ks=h; izcU/kd dq.kky jeu }kjk ,tsUlh }kjk miyC/k djk;h tkus okyh lqfo/kkvksa ds fo”k; esa foLrkj ls voxr djk;k x;k ftlesa eq[; :Ik ls cSad yksu esa vklkuh] C;kt nj de gksuk] fu;kZrdksa dk fo'okl c<+uk] ljdkjh ,oa futh {ks= ds Vs.Mj esa ojh;rk] le;&le; ij ,e,l,ebZ ea=ky; }kjk tkjh gksus okyh Ldheksa dh tkudkjh miyC/k gksuk] esys ,oa izn'kZuh vkfn ds LVky esa vuqnku fnykus esa lg;ksx fnykus esa lg;ksx fn;k tkrk gS Amik/;{k th0,u0 feJ] }kjk mifLFkr cSad vf/kdkfj;ksa us dgk fd okgu ,oa xzg _.k dh rjg gh ,e,l,ebZ m|ksxksa ds _.kksa dks Hkh chek ls doj fd;k tkuk pkfg, bl ij dSujk cSad ds fMohtuy eSustj us dgk fd ;g oSdfYid gS ;fn m|ksx lqfo/kk ysuk pkgrk gS rks mls 'kqYd ysdj lqfo/kk nh tkrh gSA egkizcU/kd ftyk m|ksx dsUnz ts0,l0;kno us dgk fd bl rjg dh odZ'kki ls fuf'pr :Ik ls ;gka ds m|ksxksa dks Qk;nk gksxk bl odZ'kki esa fofHkUu ea=ky;ksa] cSadksa vkfn {ks= ls lEcfU/kr tks tkudkjh miyC/k djk;h x;h gS ge fo'okl gS fd mldk Qk;nk ;gka mifLFkr m|eh vo';

mBk;saxs A cSBd esa izeq[k :Ik ls fØfly ds iwohZ gsM lehj flag] dkuiqj {ks= ds gsM fgeka'kq] dkuiqj eky jksM dSujk cSad ds lhfu;j eSustj tk;loky ,oa vU; vf/kdkfj;ksa ds vfrfjDr ,0ds0vxzoky] v'kksd dqekj xxZ] ds0ds0flag] v'kksd iky flag] iz.ko ik.Ms;] v:.k flag] Mk0 izdk'k JhokLro] ,l0ih0 f=ikBh ,oa Hkkjh la[;k esa m|eh mifLFkr Fks A10 tqykbZ] 2014%& Je vkadM+ksa ds izs'k.k ,oa xq.koRrk esa lq/kkj gsrq ,d izf'k{k.k dk;ZØe vkbZ0vkbZ0,0 lHkkxkj esa Je foHkkx ,oa vkbZ0vkbZ0,0 ds la;kstu esa fd;k x;k A bl dk;ZØe dh eq[; vfrfFk usgk 'kekZ] eq[; fodkl vf/kdkjhA Je vf/kfu;e esa vkadM+s Hksts tkus dh dk;Zokgh dkj[kkuksa }kjk dh tkuh vko';d gksrh gS] ftl ij vf/kfu;e okj foLrkjiwoZd tkudkjh ts0,0[kku ,oa vkj0ih0 feJ] lgk;d funs'kd Je C;wjks dkuiqj }kjk nh x;h A ftlesa fefuee ostst] QSDVªh ,sDV] esVfuZVh ,sDV] b.M0 fMLI;wV ,sDV]deZpkjh dEiU'kslu ,sDV izeq[k :Ik ls gSa Aeq[; fodkl vf/kdkjh egksn;k }kjk mifLFkr dkj[kkuk izcU/kdksa ,oa izfrfuf/k;ksa ls ;g vis{kk dh x;h fd fu;ekuqlkj le; ls Je dk;kZy; dks fjVuZ izsf”kr djsa rFkk izf'k{k.k dk;ZØe esa foLrkjiwoZd tkudkjh Hkh izkIr djsaA pSIVj ps;jeSu lanhi 'kqDyk us dgk x;k fd ge m|fe;ksa dh Je vf/kfu;e ls lEcfU/kr vusd leL;k,a gksus ds lkFk gh tkudkfj;ksa dk vHkko Hkh gS tks fd bl izf'k{k.k dk;ZØe ls nwj gksus dh

vk'kk gS A mik/;{k th0,u0 feJ }kjk eq[; fodkl vf/kdkjh dk /;ku m|ksxksa esa nq?kZVuk gksus ij m|eh ds fo:) lhvkjihlh ,sDV ds vUrxZr eqdnek ntZ dj fy;k tkrk gS ,oa vjktdrk QSyk;h tkrh gS] tcfd ihfM+r O;fDr dks eqvkotk vkfn nsus ds lEcU/k esa igys ls gh ,d O;oLFkk gS ,oa ftyk iz'kklu }kjk flVh eftLVªsV ,oa lgk;d Jek;qDr ds lkFk ,d desVh igys cuk nh gS bldk mi;ksx fd;k tkuk pkfg, A eq[; fodkl vf/kdkjh }kjk m|fe;ksa dks vk'oLr fd;k x;k fd mudh leL;kvksa dk lek/kku gj Lrj ij djk;k tk;sxk ;fn mUgsa izrkfM+r fd;k tk jgk gS ;k dksbZ fu;e fo:) dk;Zokgh fdlh ds }kjk dh tk jgh gS rks ml ij jksd yxk;h tk;sxh A16 tqykbZ] 2014%& vkS|ksfxd {ks=ksa dh dkuwu O;oLFkk ls lEcfU/kr leL;kvksa ij ppkZ djus ds fy, vkbZ0vkbZ0,0 dk ,d izfrfuf/ke.My ftykf/kdkjh ,oa iqfyl v/kh{kd ls feykA izfrfuf/ke.My esa th0,u0 feJ& okbl izslhMs.V] lanhi 'kqDyk&pSIVj ps;jeSu] lq/khj vxzoky&pSIVj lfpo] jthmn~nhu] teky ukflj [kku vifLFkr FksA22 tqykbZ] 2014%& ekg tqykbZ 2014 dh ftyk m|ksx cU/kq dh cSBd f'kosUnz falag] vij ftykf/kdkjh mUuko dh v/;{krk e s a ftykf/kdkjh dk;kZy; esa lEiUu gqbZ A cSBd esa dkuwu O;oLFkk ls lEcfU/kr ekeyksa esa e`rd vkfJrksa dks eqvkotk fnykus es dkj[kkuk izcU/kra= ds lkFk vjktdrk fjiksVZ ntZ djus dk ekeyk mBkus ds lkFk gh txg&txg tke yxus dh leL;k mBk;h x;h A cSBd esa egkizcU/kd ftyk m|ksx dsUnz] {ks=h; vf/kdkjh iznw”k.k fu;a=.k cksMZ] ifj;kstuk vf/kdkjh ;wih,lvkbZMhlh] O;kikj dj vf/kdkjh] ,oa vU; foHkkxksa ds vf/kdkfj;ksa ds vfrfjDr th0,u0feJ] lanhi 'k qDyk] ,e0,u0[kku] lq/khj vxzoky] vkj0,l0 tkSgj] ds0ds0flag] c`tfd'kksj ;kno ,oa Hkkjh la[;k esa m|eh mifLFkr FksA

mUuko

6 vxLr 2014%& dh vkbZvkbZ, ds ,d

ehfVax gksVy ekuljksoj iSjkMkbl esa

laiUu gqbZ ftles egkçca/kd ikjl

xks;y ,oa lgk;d egkçca/kd r#.k

xks;y Hkh mifLFkr jgsA vkbZvkbZ, ds

lnL;ksa us daVsuj fMiks esa gksus okyh

leL;kvks ls vf/kdkfj;ks dks voxr

djk;k rFkk daVsuj fMiks ls Vªkyh le;

ls u feyus dh leL;k Hkh crkbZA

vf/kdkfj;ks us leL;kvksa ds mfpr ,oa

'kh?kz lek/kku dk vk'ok'ku fn;kA

ehfVax esa vkbZvkbZ, ds pkSIVj ps;jeSu

gsear tqustk] LVsV lsØsVjh yfyr diwj]

okbZl ps;jeSu vfer vxzoky ]okbZl

ps;jeSu] jkds'k <y] okbZl ps;jeSu 'kjn

caly] okbZl ps;jeSu fouhr xqIrk

lfpo] ,l lh dkSf'kd] vrqy HkwVkuh

lfgr dk;Zdkfj.kh ds lHkh lnL;

mifLFkr jgsA

eqjknkckn

Chapter Activity

24

Ukks,Mk

8 tqykbZ] 2014%& Executive Comittee lnL;ksa ds lkFk meeting dh x;hA ftlesa ppkZ ds fo”k; fuEu Fks%&i½ ;s r; fd;k x;k dh gj Event esa nks lnL; vius Product ds fy, Presentation nsaxsaAii½ Membership lnL;ksa ls ysus ds fy;s ,sfj;k

okbt+ lnL;ksa dk group cuk;k x;kAblesa yxHkx 14 yksxksa us Hkkx fy;kA11 tqykbZ] 2014%& dks efgyk m|fe;ksa dh ,d laLFkk 'Divaza Business Noida’ us NIESBUD esa lsehukj dk vk;kstu fd;k x;kA ftlesa Guest of Honor pSIVj ps;jeSu js[kk

xqIrk dks cuk;k x;kA muds lkFk vkSj Hkh pSIVj dh efgyk m|fe;ksa us Hkkx fy;kA12 tqykbZ] 2014%& ctV ds Åij ppkZ djus ds fy;s QkWjP;wu gksVy esa ,d lsfeukj dk vk;kstu fd;k x;kA ftldk vk;kstu IIA uks,Mk us fd;kA ftlesa izeq[k oDrk Lasa

Consultancy vkSj enu eksgu la;qDr dfe'uj ¼dLVe lsUVªy ,Dlkbt ,oa lfoZl VSDl½ dk;ZØe ds eq[; vfrfFk FksA yxHkx 35 m|fe;ksa rFkk Press okyksa us Hkkx fy;kA24 tyq kb]Z 2014%& EC meeting dk v;kts u fd;k x;kA ftlea s fuEu fo”k;ka s ij ppkZ gbq %Z &i½ vxLr esa gksus okys Insurance Program ij ppkZ dh xbZAii½ E;kuekj Program dh ppkZ dh x;hAlnL;ksa us js[kk xqIrk o eUtqyk feJk dks iqu% fuokZpu ij c/kkbZ nhA

1 vxLr] 2014%& vkbZ0vkbZ0,0 dh izns'k dk;Zdkfj.kh ,oa okf”kZd vke lHkk dk vk;kstu ealwjh esa fnukad 1 o 2 vxLr 2014 dks fd;k x;k FkkA bl lHkk esa vkbZ0vkbZ0,0 esjB pSIVj ls fuEu lnL;ksa dks fuEu inksa ij euksuhr fd;k x;k gSA ftudk fooj.k gS%& iadt dqekj xqIrk] izns'k mik/;{k] ,0,u0 eYgks=k] izns'k lfpo] izeksn caly] izns'k lfpo] jktsUnz dqekj fla?ky]

e.Myh; v/;{k] latho feRry] fo'ks”k vkeaf=r lnL;A mDr ds vfrfjDr foxr o”kZ 2013&14 esa vkbZ0vkbZ0,0 esjB pSIVj }kjk lEikfnr fd;s x;s mRd”kZ dk;ksZa dh ljkguk djrs gq, vkbZ0vkbZ0,0 ds v/;{k izeksn fexykuh }kjk vkbZ0vkbZ0,0 esjB pSIVj ds uo fu;qDr v/;{k lEikfnr dus gsrq y{; fuZ/kkfjr fd;s x;s rFkk xr o”kZ 2013&14 dk dk;Z fooj.k izLrqr fd;k

x;kA esjB pSIVj ps;jeSu latho feRry] vrqy Hkw”k.k xqIrk] vt; xqIrk] v:.k gtsyk] izeksn caly] vfuy vxzoky] dqynhi xks;y] lR;sUnz ohj flag vkfn mifLFkr jgsA 23 vxLr] 2014%& vkbZ0vkbZ0,0 us iqfyl vf/kdkfj;ksa ds lkFk feydj c<+rs vijk/kksa ij fpark trkrs gq, dk;Z'kkyk vk;ksftr dhA vijk/kksa ds dkj.k yxkrkj gks jgs m|fe;ksa ds iyk;u dks jksdus vkSj esjB esa Økbe daVªksy djus dh ekax dh xbZA vkbZth tksu vkyksd 'kekZ us dgk fd m|fe;ksa ds lkeus vkus okyh fnDdrksa dks nwj djus ds fy, iqfyl ges'kk lkFk jgsxhA m|fe;ksa ds fy, vyx ls ,d gsYiykbu 'kq: djus dh ckr dghA lsfeukj esa eq[; :i ls vkbZ0vkbZ0,0 ds inkf/kdkjh jfo ,sju] ,,u eYgks=k] tqxy fd'kksj] chMh,,e ps;jeSu jkds'k egktu] v'ouh xsjk] vt; xqIrk] iadt xqIrk] jkts'k vxzoky] lat; flag] jfoizdk'k] lquhy xqIrk] lfpu feRry vkfn us fopkj O;Dr fd,A

esjB

Chapter Activity

25