Imisebenzi emincinane (i-SMEs), edla ngokubhekiselwa kuyo eIndiya njengemincinane, emincinane, kunye neminye imisebenzi ephakathi, ingumthombo wezoqoqosho lwelizwe. Inikela malunga nama-30% kwi-GDP, ityala ngeziphumo zokwenziwa kwemveliso, kwaye ingumthombo omkhulu womsebenzi emva kokulima. Nangona umsebenzi wabo omkhulu, i-SMEs ijongene neengxaki ezibalulekileyo, , ```````````'''''','',',' kwaye ngumthombo wemisebenzi ekhoyo, nangona zijongeneengxaki zemali,' ezimele ukunconywa, ukuthengwa, ukusetyenziswa kwezixhobo zobugcisa, ukutshintsha, ukukhuphisana, ukukhuphisana okunzulu kubadlali abakhulu. Ngaphezu kweminyaka elishumi edluleyo, urhulumente wase-Indiya uqulukile ubuchule obuninzi bokuthetha ngezimvo, ukuququlukuqela kwemali, ukufikelela kwemiqatha, ukufikelela kwendlela yentelelo yezorhwebo. Eligunya eligunya eligunya elikhuddisiweyo, i-Smevo yorhwebo, uphando lomthetho, uphando lo

Ukuchaza Icandelo LeMSME: Uhlelo Olutsha

Phambi kokuzama ukuxhasa amanyathelo, kubalulekile ukuqonda indlela urhulumente achaza ngayo iSMEs. Umthetho wophuhliso lwe-MSME, 2006 wahlaziywa ngokuphawulekayo ngoJulayi 1, 2020, ukusungula inkqubo yokuhlela ngokudityanisiweyo esekelwe kuko kokubili kutyalo-mali nakwimatshini okanye izixhobo kunye nojikelezo lwaminyaka le. Oku kuthabathel' indawo imigaqo emidala yotyalo-kuphela, eyakhupha iintengiso ezininzi zenkonzo.

Uhlahlelo (NgoJulayi 2020)

  • [[UMTL:0] Imingeni:[ Unyuso . . .1 crore kunye nokujika . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
  • [[UMTL:0] Ncinci: Ungeniso 7610 crore kunye nokujika 7650 crore.
  • Phakathi: Ungeniso 7650 crore kunye nokujika . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Inkcazelo entsha yasusa umahluko phakathi kokwenza kunye namashishini enkonzo, kwandisa ulwahlulo, kwaye kwadityaniswa ulwahlulo kuzo zombini utyalo kunye nokujika, ikwenza kube lula ukunyusa amashishini ukugcina ubume be-MSME. Yasusa ukwahluka phakathi kotyalo kwiplaneti & umatshini (wokwenza) kunye nezixhobo (zokuyila iinkonzo), ukwenza lula. Olu hlelo olunye luvumela amashishini ukufikelela kwiinzuzo zikarhulumente, kuquka iNgxelo yemali eqinisekileyo kunye neemfuno zecandelo lokubolekisa izinto.

Isiseko soMthetho kunye neMisebenzi yeFrame yeNkqubo

Indlela karhulumente isekelwe kwisiseko esiqinileyo somthetho nenkqubo, uqala ngoMthetho woPhuhliso lwe-MSME, 2006, ogunyazisa inkqubo yokunyuselwa, ukuphuhliswa, kunye nokuphuhliswa kokhuphiswano. Ulungiselelo olungundoqo luquka:

  • [[UMTL:0] Imali yokwabela: Abathengi kufuneka bahlawule abanikeli beMSME ngeentsuku ezingama-45, nenzala yenyathi ngenxa yolibaziseko.
  • [[UMTL:0] Ukukhutshwa kwamaBhunga eMSME Facelitation ukwenzela izisombululo.
  • [[UMTL: 0] Uncediso lomfundisi- ntsapho [[UMTL: 1] ukwenzela izicwangciso ezifana neNgxowa-mali eqinisekisayo.

Ngaphaya kwesenzo, Inkqubo yesizwe kwiMSMES (2011) ichaza imaphu yendlela ngokubhekisa kukukhululeka ekwenzeni ushishino, ukufikelela kwityala, ukufikelela kwintengiselwano, ubuchule, uphuhliso, kunye nobugcisa obudibeneyo. Inkqubo idibanisa inkxaso ye-MSME neenkqubo zeflegi ezifana ne- eIndiya, [[FLT:]], IIndiya, kunye , kunye ].

Inkxaso Yemali Nezinto Ezinokuhlawulelwa

Ukufikelela kwimali-mali efikelelekayo, efumaneka ngetyala elingenazincomo ihlala isona sincedisi sikhulu sokukhula kweSME. Urhulumente uthumele izixhobo ezininzi ukuvala isithuba sokuthenga ngetyala, esiqikelelwa ngaphezu kwe-7625 lakhrore.

Imali eqinisekisiweyo yemali exhasayo ukwenzela imivuzo encinane nencinane (CGTMSE)

Iqalisiwe ngo- 2000, i-CGTMSE inika iimali-mboleko ezizimeleyo ezizimeleyo ezimeleyo eziya kufikelela kwi-765 crore (ezomelezwe ngokutsha ukusuka kwi-762 crore) ukuya kwimincinane kunye namashishini amancinane. Isicwangciso sigubungela u-85% wemali ebolekiweyo ekungagqibekanga ukwenzela amashishini amancinane, kunye nama-75% kubathengisi-mali namabhinqa asuka kumacandelo abuthathaka. NgoMatshi 2024, ngaphezu kwama-559kh lakh, imali-mboleko iqinisekisiwe, kunye neemali eziye zahlulwayo ngaphezu kwe-1.3.5.5kh crore. Inyathelo eliphambili liye laba liluncedo ekukhuthazeni oovimba ukuba baboleke ngaphandle kwesiqinisekiso sobuqu.

INkqubo yeNkcubeko yeSebe (PMEGP)

PMEGP sisicwangciso esinxulumene netyala esinceda ekumiseni amacandelo amancinane akwindawo entsha yokuyila nakumacandelo enkonzo. Urhulumente unika ipesenti engaphantsi ye-15%-35% yexabiso leprojekthi, kunye nemali eseleyo exhaswa ziibhanki. Umba ophambili unikwa amabhinqa, i-SC/ST, namanye amaqela angenankathalo. Ukususela ekundululweni kwayo ngo-2008/09, PMEGP ixhase imisebenzi engaphezu kwe-15 ye-lakhkh, ivelisa imisebenzi engaphezu kwe-16.

I-Meyi- phezulu Iqosha lokudwelisa

Ijoliswe ekunikeni i-SC/ST kunye namabhinqa oshishino, i-S Stand-Up Indiya inceda iimali-mboleko zebhanki 7610 lakh ukuya kwi-761 creref kumashishini aluhlaza. Isicwangciso sokuba isebe ngalinye lebhanki linikele ubuncinane ezimbini zeemali-mboleko ezinjalo, kunye nemali ebolekiweyo kwibhinqa elibolekiweyo nenye kumntu obolekayo iSC/ST. Kwakhona inika inkxaso kumaziko anikezelweyo ebhanki. Ngo-2024, imali elingana nemali exabisa 7645 000 ebolekileyo yarhoxiweyo yarhoxiwa kwii-akhawunti ze-akh 2.1.

Ibhanki yoPhuhliso loMngcipheko oMncinci yaseIndiya (SIDBI)

SIDBI isebenza njengesixhobo semali esiyintloko sokunyusela, ukuxhasa, kunye nokuphuhliswa kwecandelo leMSME. Inika ukubolekisa ngqo, ukuphinde inike inzala kwiibhanki kunye nee-NBFC, kwaye ixhasa ikomkhulu lenjongo ukwenzela uqalo olutsha. I-SIDBDI'S [ [FLT] Icandelo lamanani linceda amaziko alo okuthenga imali kunye nokufaka imali eboletyiweyo.

Udweliso lwezicwangciso zetyala oludityanisiweyo (CLCS)

ICLCS ijolise ekukhuthazeni ubugcisa bokulungisa iprojekthi ngokunika ikomkhulu eliyi-15% (ukuya kwi-761.5 crore) kwimali - mboleko ethatyathweyo ukuze kusetyenziswe oomatshini kunye nezixhobo zale mihla. Ukususela ekuhlaziyweni kwayo ngo-2017, isicwangciso sigubungela i-240+ iindidi zoomatshini ezidibeneyo eziquka iimpahla, ukwenziwa kotyaniwa, kunye nobunjineli obulula. I-'sidy' ibuya emva kokuba ibolekiswe ngokupheleleyo okanye emva kwexesha elimisiweyo, iqinisekisa ingqeqesho ekusetyenzisweni kwemali ebolekisiweyo.

Imali Yomnxeba Ongxamisekileyo Iqinisekisa Ubuchule (ECLGS) – Impendulo Engunobangela

Ngexesha le-COVID-19, urhulumente wakhupha i-ECLGS, enika i-100% ityala elizimeleyo elongezelelekileyo lokunyusela kwi-763 lakh crore kwi-MSMEs, nenzala engaphantsi kwe-2% nge-anum. Le nkqubo yaba yindawo yokusindisa ubomi, igcina imisebenzi eqikelelwayo eqikelelwayo ngokuvumela amashishini ahlangabezane neendleko zokusebenza. Impumelelo yayo yakhokelela kwisongezo esininzi nolwando ukuze igqume amacandelo afana nobuka iindwendwe nolwakhiwo. Ngonyaka wama-2023, ngaphezu kwe-6.5.5.5.crore yasuswa phantsi kwe-ECLGS.

Inkxaso yobugcisa nenkxaso yemibutho yamanani

Urhulumente uyaqonda ukuba ukusetyenziswa kwemichiza nokusetyenziswa kwezobugcisa kubaluleke gqitha ukuze iiSME zikhuphisane kulo lonke ihlabathi.

IIndiya yamanani kunye nokusetyenziswa kwamanani eMSME

Phantsi kwe Iphulo lobunzululwazi le-Digal i-Indiya i-Uministrate yeMSME iveze unikezelo MME Digital Platform[ (inkqubo ye-Ubsite efaka ubhaliso, izicelo ezincinci, kunye nezikhalazo ezinyibilikisiweyo ezinyibilikisiweyo. I-ontactresssss joints translactal. I-intelligate translactal [[[FLT:]]] indlela ye-Udymam Bolibration [, ethatha indawo ye-Udyog Ody Adyrandrand'um nge 2020. Udy Regnontalkthentiat, kunye nengeniso lwayo lwe-MESM.

Ubuxhakaxhaka bobuxhaka kunye nokwenziwa kwale mihla

[[NTL: 0] Udweliso lweNgxowa-mali yokuSebenza i-Ugradation Scheme (TUFS), nangona ekuqaleni kujoliswe kwilaphu, luye lwandiswa ukugquma amanye amacandelo okwakha. I-SIDBII ikwaqhuba i- [[[[FLT:]]] SIDBDI INVAYO I-INGXINXINXISEK [I-UMPHUMELELEZO] [I-SIMFLT] ukukhuthaza ubugcisa-driventinarist. I-SMERN, i-SMETY, i-ekhokhozikelele uqeqesho oluncinci noqeqesho oluncinci lwe-80%.

Iziko lobuchule obuqhelekileyo (CFC) kunye namaziko ezixhobo

Urhulumente useke ngaphezulu kwekhulu Iziko lobukho beCummon Facial phantsi kwe-MSME Clast Development Programme. La maziko anika oomatshini abahlukeneyo, ukuvavanya ii-abscatodies, iiplani, kunye nezixhobo zokulungisa. Umzekelo, iCFCCs kwiqela leqela leqela le-Ludhiana linikela izixhobo ze-CNC, ngexesha ezikwiqela le-Puriculcurecus linika uqeqesho oluphambili lwezixhobo zokudaya kunye nokugqiba. Ngaphezulu, i-[FFLT:] i-Toolms phantsi kwe-NSIC (ICICICProcerporation) kunye nezinye iiyunithi zoshishino zoshishino zoshishino-onke ezisemphini zinika uqeqesho lwezixhobo, kunye nee-omatshini ezisetyenziswa ngobuchule.

Ukufumaneka korhwebo nophuhliso lokurhweba ngaphandle

Ukufumana imveliso emarikeni ngezantsi, ezindlu nezizwe ngezizwe, lucelomngeni olungasoze luphele. Ubuchule bokuthatha amanyathelo bufuna ukunciphisa imiqobo.

Imarike kaRhulumente (GEM)

Ngo-2016, uRhulumente we-E-MCS (GeM) usisiqhagamsheli esinye esimisa kwi-intanethi ukwenzela ukuba kufunyanwe uwonke-wonke. Ukususela ngowama-202020, zonke iinkonzo kunye namasebe kufuneka zithenge iipesenti ezingama-25 zezinto zawo neenkonzo kwi-MSMEs, nezi-3% ezigcinelwe amashishini akhuselwe amabhinqa. Njengo-2024, iGM iye yalungisa imiyalelo exabisa ngaphezu kwe-62 kkh lacrore ukusuka kwi-MSMEs, inqumla ubuncinane bamaxesha okulungisa nokususa abantu abaphakathi.

Ityala neNkxaso yokuNgenisa

Urhulumente uphinde waqwalasela uLinganiso lokuLinganisa [[FLT: 1] lwezihambisi, enika i-3%-5% inzala encinci kwiBhunga loPhuhliso loPhuhliso lwasemva kwenqanawa i-rupee irree ityala kwi-MSMEs. [[[FLT:]] I-Promotion Counciation Appliations [[FLL: 3] [umz.uM.unjineli we-Prong Projentiontiontsportiontion Councition Council, Appliation Proverition) inceda izibonelelo ze-events zorhwebo zamazwe ngamazwe ngamazwe kunye nezorhwebo, kunye neendleko zemali zikarhulumente ezithenwayo kunye norhwebo olungadityalwayo. [FLD:]

Ukufikelela kurhwebo noncedo lokuphanga

Ngaphantsi I-Market I-Iascer (MAAS), iiMSME zifumana inkxaso yemali kwizakhono zorhwebo phesheya kuquka iicatalog zemveliso, uguqulelo lwewebsite, kunye nezibhengezo zezentlalo-mbini. Scheme ye-Promong Innovation, MoralInterst & EnterepreIRE shart inceda ekumiseni amaziko kunye nezinxulumanisi phakathi kwemisebenzi yasemaphandleni neendawo zokuthengisa iimarikethe zasedolo.

Uphuhliso lobuchule noqeqesho lobuchule

Imisebenzi engoogcisa kunye noosomashishini abanobuchule babalulekile ukuze iSME iphumelele.

Umsebenzi Owenziwa EIndiya Ngobuchule Osetyenziswa Kwimizila

Ngaphantsi Pradhan Mantri Kaushal Vikas Yojana (PMVY), iimodyuli ezilungiselelwe ukuqeqesha ezingokwexeshana ezilungiselelwe amacandelo e-MSME", zinikezelwa njengenkqubo yeplastiki, ipakethe yokutya, iilaphu, kunye ne-IT. Indleko yoqeqesho ithwalwa ngurhulumente, kwaye uhlolo-lo lweposi lukhokelela kwi-clib eqamniswe ngamaqumrhu. Umanyano lophuhlisolwazi lweziko lwelizwe (NTLDC) kunye noshishino olunxulumene noshishino-o-jo-om.

Iinkqubo zophuhliso lophuhliso lomgangatho (EDPs)

[[NTL:0] I-Institute ye-Entrepreneurship kunye nophuhliso oluncinci loshishino (ISFL:1] iqhuba ucwangciso lwe-EDP olusisiHlanulo soshishino, ulawulo lwemali, urhwebo lwamanani, kunye nokuthobela. Amaqela afumana inkxaso yonyaka omnye. Kumabhinqa oshishino, kukho iinkqubo ezinikezelweyo ezifana ne- Trade Contance Enpreneurship UNICOP noPhuhliso (TRED)[FL:3], ezinika uqeqesho olufikelela ku 75% yexabiso elipheleleyo, eliphantsi kwexabiso le-9kh.

Iinethwekhi zeNtloko kunye neMidlalo

Uqikelelo lweMSME luxhase ngaphezu kwe 100 I-Business Incubiation Centers (BICS) ukutyhubela iikholeji kunye neeyunivesithi. Ezi BICS zinikezela ngenkxaso yembewu, izibonelelo, kunye nolawulo lobuxhakaxhaka bobugcisa. UMME GrowDRD Driver & lamp; Access to Meanity [GDAFF] iqonga le-SDBHP] idiza ii-SCIBI kunye neebhanki, izicwangciso zikarhulumente, izicwangciso zobugcisa, kunye nezicebisi kunxibelelwano lwamanani olunye.

Ukuhlawulwa kwerhafu nokukhuselwa

Ukungahambelani noshishino bekuyinkqubo ejolise kuyo, intlawulo neenguqu ezininzi eziye zasetyenziswa zinceda amaSME.

Udweliso Lokwakhiwa kweprojekti

I-MSMEs ezinokujika ukuya kutsho ku-761.5 crore ingakhetha iCompotion Scheme phantsi kwe-GST, ihlawula isantya esithe tyaba (1%-5% kujiko endaweni ye-GST eqhelekileyo, eneemfuno ezicuthiweyo. I-oyile yekota yokubuya kunye neprojekthi encinane esezantsi ihlisa umthwalo wolawulo.

Ukuhlawulwa Kwerhafu

Urhulumente uhlise umyinge werhafu yenkampani ye-MSMEs (ejikelezwe ukuya kwi-6400 crore) ukuya kwi-25% (isantya esisezantsi), kunye ne-ibracker kunye ne-ces. Icandelo 80-IAC livumela ukuqala (kuquka ii-MSMEs) ukuphelisa ingeniso kwiminyaka emithathu elandelelanayo ukusuka kwiminyaka elishumi yokuqala. Kwimibutho encinane, iimfuno zophicotho-zincwadi lwerhafu zikhahlela kuphela ukuba i-awudlula ngaphezulu kwe-01 crrore (ishishini) okanye i-~5050-lakh (yoochwepheshe), ukunikezela ngentlalo-mali encinane ngeminyaka emithathu elandelelanayo.

I-influency kunye nekhowudi ye-Bankruptic (IBC) ye-MSME

I-IBC inesicwangciso esilula sesombululo se MSME. Inkqubo elungiswe ngokunyibilikisa ivumela i SMEs ezixinizekileyo ukusombulula amatyala nababoleleki ngeentsuku eziyi 120, ukunciphisa uphazamiseko. Unqanyulo lokuqalisa kwi-menuting clonety luhlala lusezantsi (31 lakh okungagqibekanga), kodwa i-MSMEs zikwangenelwa ekuphumleni ekufuneni inani elincinane lababolelekileyo ukuxhobisa inkqubo.

Iingxaki Nemigaqo Yexesha Elizayo

Phezu kwalo nje olu xhaxhe luninzi lwenkxaso, uphando luye luqhubekeka. Ukwazi nokufikelela kumacebo kuhlala kungalingani, ingakumbi kwiindawo zasemaphandleni kunye namashishini amancinane kakhulu. Ii-MSMEs ezininzi zisaxhomekeke kwimali engacwangciswanga ngenxa yemisebenzi enzima ngenxa yamaphepha eCGTMMS. Isikhonkwane sakutshanje kwimiqathango ekrwada kunye namaxabiso amandla athe anyukayo, kwaye ukuhlawula okulibazisa kuhlala kusisixakeko esitsha MSMESamadan[ izibuko (ukulibala izikhalazo ezithenjiweyo) kuncede ukusombulula izikhalazo zemali ezingaphezulu ka-1,5.6.kh.

Urhulumente ujonga phambili, ucebisa ukuba i-MSME imisele, isebenzise intlawulo yamanani, kwaye ivelise uphando. Inkqubo ye-MSME yesizwe 2024 icebisa ukuba i-projekthi ye-ERP esekelwe kwi-MSME-esekelwe kwi-MSME, ukuthobela, kunye nohlolo lwetyala. iProjectddiction Ikhonkco eliDintentellivence (PLI) Udweliso [ lwamacandelo, ngexa kujoliswe kwimizini emikhulu, kwakhona ikhuthaza ii-MSMEs ukuba zibe yinxalenye yemixokelelwano yonikezelo lwehlabathi. Ingqwalaselo ekhethekileyo kwi-ecococodficed kunye ne-procencestiki eluhlaza ilindeleke ukuba ivule amathuba amatsha.

Ku-SMEs ngokwayo, imfuneko icacile: ukusetyenziswa kwamaqhinga amaninzi akhoyo, ukuqokelela imisebenzi, nokufuna imijelo yetyala esemthethweni. Urhulumente uye walungiselela iscaffolding/i-anus ihlala kumashishini ukuze akhe phezu kwayo.

Imithombo Yangaphandle Yokufunda Kwakhona

Ukuhlala uhlaziyiwe kutshintsho lwenkqubo uze usebenzise ucwangciso olufanelekileyo, tyelela aba basemagunyeni:

Ezi zixhobo zinika iinkcukacha zoyilo, iifomu zesicelo, izilungiso zezikhalazo kunye nohlaziyo lokwenyani lweenguqu ezichaphazela ama-SME ase-Indiya.