Chapter 7 - Institutional Support

Management And Entrepreneurship
Management and Entrepreneurship-06AL51
Unit VII: Institutional Support
Page
Sl.No Schemes
number
Technical Consultancy Services Organisation Of
1 2-7
Karnataka( TCSOK)
2 Karnataka Industrial Areas Development Board (KIADB) 8-18
Karnataka State Small Industries Development

3 19-32
Corporation Limited.(KSSIDCL)
4 Micro, Small and Medium Enterprises or SISI 33-36
5 Small Industries Development Bank Of India(SIDBI) 37-50
Karnataka State Finance Corporation (KSFC)

6 51-59
R.V.College of Engineering, Bangalore 1

TECHNICAL CONSULTANCY SERVICES ORGANISATION OF

KARNATAKA( TCSOK)
Technical Consultancy Services Organisation of Karnataka (TECSOK), is a multidisciplinary

technical, industrial and management consultancy organization set up.
It was established in the year 1976 by the Government of Karnataka. The primary objective of
founding TECSOK was to provide reliable consultancy support for entrepreneurs to start up self
employment ventures in Karnataka, India.
TECSOK is a multidisciplinary management consultancy organization promoted by the

Government of Karnataka to provide reliable consultancy services in India. TECSOK has been
excelling its expertise in a wide range of services. The package of services includes feasibility
studies, market research, valuation of assets, environment impact studies, energy management
and audit, management studies like corporate plan, reorganization and restructuring of
enterprises, man power planning, budgetary control systems, mergers and acquisitions,
investment opportunities, technology transfers, diagnostic studies and also designing and
organizing training programmes in all related areas. Of late, TECSOK is also concentrating on
studies relating to Cleaner Production technologies and methods.
TECSOK has been considered by the Government of Karnataka, Government of India, State &
Central Financial Institutions, Commercial Banks, Asian Development Bank and a host of other
institutions of the Government and Private as the recognized consultancy agency.
TECSOK has been recognized as the State Nodal Agency by the Ministry of Food Processing
Industries, Govt of India to operate the Ministry's PromotionalSchemesinKarnataka.
A Powerhouse of Expertise
The TECSOK consultancy is driven by top-notch professionals from different disciplines;

engineers, management experts, economists and financial consultants. TECSOK partners with
reputed national and multinational consultants, outsourcing expertise for professional synergy.

What TECSOK can do for you

As an investor, there are many imponderables that will engage your mind. For instance, you
would like to have reliable information on the kind of product that would be feasible, the
location for your industry, and the procedures for establishing the industry. Other inputs you may
require would be in the area of market research, manpower planning, technology, environmental
issues etc.
TECSOK, with its vast experience will provide you valuable insights and practical solutions in
all of these areas and others in which you may need assistance. With its range of services,
TECSOK offers a single platform from which you can get all the inputs you require.
Services
TECSOK has been excelling its expertise in a wide range of services. U can
rely on TECSOK for
• Location Specific identification of investment opportunities.
• Assistance in obtaining statutory and procedural clearances.
• Feasibility studies and environment impact studies.
• Preparation of detailed project reports as per investment norms and financial norms..
• Market survey and research.
• Project implementation and turn key assistance.
• Reorganization and restructuring of enterprises.
• Valuation of assets, man power planning & budgetary control system.
• Energy management & audit, corporate plan, technology transfer.
• Diagnostic studies and rehabilitation of sick industries.
• Designing and organizing training programmes
• Since its inception, TECSOK has catalysed a large number of industries throughout the
province.
• Management studies, company formation, corporate plan, enterprise restructuring.
• Port tariff study and related areas.
• Consultancy for agro-base industries as a Nodal Agency of Government of India.
• Consultancy for merger/takeovers.

• Infrastructure development project reports.
Projects
MAJOR PROJECTS HANDLED An Enviable Track Record:

TECSOK's performance across industries and geographies has earned for itself a reputation
for speed, accuracy and vision.
A few of the projects handled are listed:
A. Project Conceptualization & Monitoring

• Project Conceptualization & Monitoring.
• Monitoring the construction of Living-cum-work sheds for the sectors of Handloom.
Handicrafts, leather, and SSI under Dutch assistance.
• Karnataka Urban Development Project-Shelter and Water Supply for World Bank assistance.
• Conceptualization of Kaigarika Vikasa Scheme for development of Backward Taluks.
• Entrepreneurship training for Project Affected Families of Project Sea Bird, Karwar.
B. Viability Report for Infrastructure Development

• Report for development of Growth Centers at Dharwad, Raichur and Hassan.
• Study on Infrastructure availability in the leading States.
• Feasibility study on Hassan Airport.
C. Potential Studies / Techno-Economic Surveys

• District Potential Study and Project Reports under Swarnajayanti Gram Swarozgar Yojana
for 10 districts in Karnataka.
• Techno-Economic surveys of major districts of Karnataka.
• Technology profile study of Karnataka.
• Resource Mapping of 39 Most Backward Taluks.
D. Market Survey / Assessment
• Demand survey for setting up Tertiary Treated Water plant in Bangalore.
• Study Report on availability of raw materials and scope for new Solvent Extraction
plants in Karnataka

• Study on working of Alcohol based chemical units to assess the utilization of allotted
RS/DS.
• Study on Energy conservation measures in energy Intensive Industries.
• Study report on fixing tariff rates for utilizing the services of Jawaharlal Nehru Port
Trust, Mumbai.
• Fixing vessel related charges for Murmugoa Port Trust, Goa.
• Study on Consultancy capabilities in Karnataka.
• Study on various aspects of lending by NABARD for non-farm sector in 14 districts of
Karnataka.
• Survey of Rice Mills to assess the potential for establishment of edible grade Rice Bran
oil units.
• Market study on Natural Gas in Karnataka.
• Market intelligence Report on Packaged Tender Coconut Water.
E. Evaluation of Impact Assessment

• Report on District Industrial Training Centre & Artisan Training Institute in Karnataka.
• Rural Industries Programme of NABARD at Bellary.
• Concurrent evaluation of Indira Awas Yojana and Million Well Scheme in the State of
Tamil Nadu.
• Evaluation Study of all the Schemes of Ministry of Rural Development in four Blocks of
Mysore and Bellary districts.
• Study on Socio-Economic Impact of Indo Danish Fisheries Project at Tadri, U.K District.
• Evaluation of Schemes of KMDC.
F. Policy, Prospective Plans & special studies

• Formulation of New Industrial Policy and Package of Incentives and Concessions during
1982, 1988, 1990, 1993, 1996 2001& 2006.
• Perspective plan for Karnataka Industrial Areas Development Board, an Infrastructural
development agency of the State.
• Appraisal studies of 15 State Public Sector Enterprises

Clients
A Testimony to our capability to serve
• Ministry of Food Processing Industries Govt. of India.
• Department of Scientific and Industrial Research (DSIR), Govt. of India.
• Council for Advancement of People's Action and Rural technology (CAPART), New Delhi.
• Technology Information, Forecasting and Assessement Council (TIFAC), New Delhi.
• Jungle Lodges and Resorts Ltd., Bangalore.
• Industrial Development Bank of India, (IDBI), Mumbai.
• State Level Financial Institutions and Developmental Agencies.
• Commercial Banks.
• Karnataka State Bureau of Public Enterprises(KSBPE),Bangalore
• Danish Embassy, New Delhi.
• Jawaharlal Nehru Port Trust, Mumbai.
• Ford Foundation, New Delhi.
• Heycarb, Colombo, Sri Lanka.
• Major Port Trusts in India.
Departments of
• Industries and Commerce, Govt. of Karnataka
• Fisheries, Govt. of Karnataka
• Sericulture, Govt. of Karnataka
• Tourism, Govt. of Karnataka
• Rural Development and Panchayat Raj. Govt. of Karnataka
• Women and children Development, Govt. of Karnataka
Manpower

TECSOK has over 25 well experienced Engineers of different discipline, MBA's, Finance
professional apart from outside subject experts associated as empanelled consultants involved on
assignment basis.
The areas of specialization of these consultants include:

• Electrical, Electronics, Telecommunication, Informatics and Computer Appilcation.
• Pollution Control measures, Environment Management Plan and Environment Impact
Assessement.
• Metallurgical, Mechanical, Civil and Infrastructure Development.
• Textiles, Sericulture, Garments.
• Energy Management, Non Conventional Energy use.
• Market Research, Data collection and Market Surveys.
• Chemical, Pharmaceutical and Plastic Engineering.
• Corporate plans, Techno-Economic studies, Management consultancy.
• Rural Development, Training, Publications, Information.
• International Trade, Business Development, Chartered Engineering Services, Valuation
Studies.
• Agriculture, Horticulture based Industries, Food Processing.
• Women Development, Women Entrepreneurship, Training need assessment.
• Design and Delivery of training programmes, Institution Building, Re-organization & Human
Resource management.
• Curriculum vitae of Individual consultants on specific assignment can be had from TECSOK
on request
Contact Us Chief Adviser & CEO

1. Technical Consultancy Services Organization of Karnataka
(AGovt.of Karnataka Organisation)
4th Floor, Basava Bhavan, Basaveshwara Circle
Bangalore - 560001. India
Tel:+91-80-22266134 / 22266152 / 41512382 / 41138381

Fax:+91-80-22266138
E-mail:tecsok@bgl.vsnl.net.in
http://www.tecsok.com

Karnataka Industrial Areas Development Board (KIADB)
Karnataka Industrial Areas Development Board (KIADB) is a wholly owned infrastructure

agency of Government of Karnataka, set up under Karnataka Industrial Areas Development Act
of 1966.
This Board functions as per statutory provisions, rules and regulations enacted there under. The
Board comprises of senior government officers in their ex-officio capacities. The Board of
members meet regularly to take decisions and monitor the functions. KIADB holds pride in
being the first government organisation in Karnataka to obtain ISO 9001 certification in the year
1997.
Now the KIADB is following ISO 9001:2000 module covering its functions of Land Acquisition,
Development and Allotment functions in Bangalore Urban and Rural districts.
Aims and Objectives :

• Promote rapid and orderly development of industries in the state.
• Assist in implementation of policies of government within the purview of KIAD Act.
• Facilitate for establishing infrastructure projects.
• Function on corporate lines, with “No Profit – No Loss” policy.
Functions :
• Acquire land and form industrial areas.
• Provide all infrastructure to such industrial areas.
• Acquire land for Single Unit Complexes.
• Acquire land for Government agencies for their schemes and infrastructure projects.
KIADB - as a premier industrial area developer
KIADB has also acquired lands to cater the specific needs of individual industrial units (Single
Unit Complexes). The Board also acquires land for infrastructure projects of the Government.

We promote projects of public importance in joint venture with organizations of international

repute. The vision of KIADB and world class infrastructure has made investors all over
the world take notice of Karnataka as the premier destination for their startups and ventures.
Till date, KIADB has formed 95 industrial areas spread all over the State, and acquired land for
nearly 290 Single Unit Complexes ensuring balanced industrial development in all regions with
well thought of infrastructures and unique features.
Infrastructures in Industrial Area

Few prominent industrial areas:
 Peenya, Electronic City, Export Promotion Industrial Park (EPIP) in Bangalore.
 Hebbal in Mysore.
 Baikampady in Mangalore.
 Tarihal in Dharwar.
 Kakati in Belgaum.
 Auto Complex in Shimoga.
World's leading Companies have rose up in glory on the infrastructure set by KIADB. This apart,
KIADB has envisaged several innovative projects up its sleeve like Agro -Tech Parks, Apparel
Park, Auto Parks, Hardware Park, Bio-Tech Park, EPIPs, Special Economic Zones etc.
Some of the projects of KIADB executed with high degree of professionalism:

Acquisition of about 4316.25 acres of lands for Bangalore International Airport Ltd .
Acquisition of about 1850 acres of lands for Harbour at Tadri in Uttara Kannada Dist.
Acquisition of about 1958 acres of lands for M/s MRPL at Mangalore and rehabilitation of about
610 displaced families with modern infrastructure. Acquiring & Developing of about 430 acres
of land for M/s Toyota in Bidadi at Bangalore Dist.

Functional units of KIADB :-

Acquisition Wing:
This wing conducts the proceedings of acquisition and hands over the land to KIADB.
Special Deputy Commissioner heads acquisition wing and assisted by Special Land Acquisition
officers at zonal level. This section is an arm of Government which conducts the proceedings.
Board identifies land for development of industrial areas, for single unit complexes, projects &
schemes envisaged by Government. On ascertaining the suitability of land, notifications under
relevant provisions are issued under KIAD Act of 1966 with approval of Government. Thus the
action of acquisition of land is initiated.
Engineering Wing:
Engineering section prepares a design & development plan taking into consideration different
parameters like:
 Infrastructure requirements.
 Statutory & Regulatory requirements.
 Co-ordination with other agencies.
Chief Engineer and Chief Development Officer heads Engineering section assisted by
Development Officers who are in charge at the Zonal Offices. This wing of KIADB also
provides service to the allottees by approving building plans, providing water supply
connections, NOCs for obtaining power connections from supply agencies and addressing the
grievances of allottees at industrial areas in the matters related to infrastructure.
Allotment Wing:
This section is headed by Secretary assisted by Assistant Secretaries at Zonal
Offices. Requests of entrepreneurs in the matters of leasing, issuance of absolute sale deed,
issuance of NOCs for financial assistance, needful clearances for change in activity, change in
constitution, maintenance of payment records of allottees etc, are attended by allotment section.

FAQs about KIADB
1. Are you a government Organisation ?

Yes, KIADB is an undertaking of Govt. of Karnataka established under KIADB Act 1966.
2. Do we have to come many times over to follow up requests in KIADB?

Not necessarily. Promoters of the company have to appear before the Allotment Committee or
State Level Single Window Agency at the time considering their applications for clearance.
Disposal of subsequent references received from entrepreneurs is on a time bound schedule.
3. Are you online ?

Yes. We are.
4. Are your land prices realistic ?

Cost of land is fixed based on the cost of acquisition and cost of development. Considering the
type of infrastructure being provided in Industrial Areas, cost of the land fixed by the Board is on
the lower side in comparison to the prevailing market rates.
5. Whom to approach in KIADB for information ?.

Approach the following Officers in the Board for any information.
a. Chief Executive Officer & Executive Member.
b. Secretary.
c. Development Officers.
d. Assistant Secretaries.
e. Deputy Development Officers.
6. Can somebody from KIADB show the industrial sites available for allotment ?
Yes. The area engineer in-charge will show the available sites to the entrepreneurs.

7. Whom to contact outside Bangalore for information ?

The Joint Director, District Industries Centre will provide information regarding availability of
land in the concerned district. Wherever, the Board Zonal Offices are located, the Asst.
Secretaries will provide information about availability of land. Zonal Offices are located in the
following places:Bangalore, Mysore, Mangalore, Belgaum, Dharwad, Gulbarga, Bidar,
Davangere and Hassan.The Joint Director, District Industries Centre /Asst. Secretary, KIADB
can be contacted for information on availability of land in the District.
8. Do we have to buy land only in existing Industrial areas ?

KIADB also acquires, large plots under 'Single Unit Complex' Scheme where in land are
acquired and allotted on 'as is basis'. Entrepreneurs, normally prefer land in Industrial Areas,
keeping in view the availability of infrastructure conducive for industrial development and clear
title of the land.
9. What is meant my Single Unit Complex (SUC) ?

Besides developing industrial layouts, board also acquires and makes bulk allotment of land
without providing infrastructure facilities in favor of individual industrial units/applicants for
establishing industries or for any other purpose stipulated under provisions of KIAD Act of
1966. An allotee taking allotment under this mode are termed as Single Unit Complex (SUC’s).
10. What is the land cost for Single Unit Complex (SUC) ?
Consideration for land would be the tentative cost of land plus service charges of 22.1% on such
tentative cost. However, board may at its discretion reduce the levy of service charges at such
rate as may be prescribed from time to time for the government organizations and infrastructure
projects.
11. How long it takes to complete allotment procedure ?

. KIADB is an ISO 9001:2000 Organization. As per the existing system, within 35 days from the
date of filing of application, the Committee constituted for the purpose will take decision on
allotment and communicated to the applicants.

12. How soon do we get possession of land ?

. Possession of land will be handed over to allottees within three days from the date of receipt of
100% cost of land.
13. What FAR (Floor Area Ratio) is permitted ?

A. The details of FAR permitted is as hereunder:
Particulars of 0 to 230 231 to 1000 1001 to 2000 2001 to 4001 to Above
Plots Area Sq.m Sq. m Sq.m 4000 Sq.m 8000 Sq.m 8000 Sq.m
Coverage 80% 60% 50% 40% 35% 30%
Floor area ratio 1.00 1.25 1.25 1.25 1.00 0.50
14. How long is the lease period? and why ?

Allotment is initially made on lease-cum-sale basis stipulating a lease period of six years.
Lands are allotted on lease-cum-sale basis only to ensure timely implementation of projects and
utilization of land for the purpose for which it is allotted.
15. Do we ever get freehold of land with sale deed document ?

On completion of lease period and on compliance of all the terms and conditions of
allotment, the lease will be converted into sale by way of execution of absolute sale deeds in
favour of the entrepreneurs.
16. Can we pay land price in installment ?

As per the present system, there is no provision for payment of land cost in installment. Cost of
land is required to be paid as hereunder:
Name of the District Percentage of land cost Balance to be paid within 180
to be collected along days from the date of issue of
with the application allotment letter
B'lore Urban & Rural, and 20% 80%
D. K. Dist.
Mysore, Belgaum, Hubli, 15% 85%
& Dharwad Dists.
All other Dists. 5% 95%

17. Who allots the land for us ?

Allotment of land for small, medium, and large scale industries are made by the committees
constituted for the purpose as hereunder:
Small scale industries
1. Land Allotment Committee of the Board allots land in the Industrial Areas of Bangalore Dist.
2. District Land Allotment Committee under the Chairmanship of the Deputy Commissioner of
the Districts allots land in the Industrial Areas of respective districts.
Medium and large scale industries

Projects up to investment of Rs. 50 crores, State Level Single Window Agency under the
Chairmanship of the Principal Secretary, Govt. of Karnataka, Department of Commerce &
Industries takes decision on allotment of land in the State.
Large Scale Industries

Projects up to Investment exceeding Rs. 50 crores, High Level Committee under the
Chairmanship of the Hon'ble Chief Minister, Govt. of Karnataka takes decision on allotment of
land in the State.
18. Do we have to pay any annual maintenance charges ?

A. Yes. Details of maintenance to be paid, at present, are as hereunder:
Industrial Areas at Maintenance charges per acre
Per annum
1. Bangalore District. Rs. 2,500.00
2. Mysore Dakshina Kannada, Udupi, Belgaum, Tumkur, Rs. 2,000.00
Davangere & Dharwad Districts.
3. All other Districts. Rs. 1,500.00
19. Who maintains the industrial areas developed by KIADB ?

. Board is presently maintaining the Industrial Areas of the State during the lease period.
Constitution of Industrial Townships is under active consideration of the Government.
20. How are the land prices decided at KIADB ?

The cost of developed plots in different Industrial Areas is determined based on the cost of
acquisition of land and the developmental expenditure incurred for providing infrastructure
facilities.
21. Do we have to pay any bribe for getting work done in KIADB ?
No, If any Board Official demands bribe or inordinately delays processing of papers and /or
misbehaves in any manner, the same should immediately be brought to the notice of CEO & EM
either orally or in writing.
22. With whom shall we lodge our complaints and grievances ?

Grievances, if any, can be lodged with any one of the following Officers.
1. Chief Executive Officer & Executive Member.
2. Secretary
3. Chief Development Officer
4. Asst. Secretary.
Accounts Wing:
Controller of Finance- the head of this department is assisted by Senior Audit Officer, Accounts
Officer, Project Officer and Assistant Secretary (A&MIS). This wing of KIADB is engaged in
drawing of budgetary proposals, project financing & planning. This section also has
responsibility of monitoring & maintaining the process related to mobilization of finance for
projects, preparation of final accounts and other activities of KIADB.
Administration Wing:
Joint Director (Admn.) is the Head of this Department. This section has overall responsibility of
general administration, human resources management, other administrative and logistic matters.
This section ensures that the employees of this board are abreast with professionalism by
providing trainings, refresher courses etc., for better productivity in the Organization.
Projects of KIADB

Integrated Infrastructure Development Schemes (IID) of Govt. of India

KIADB is the appointed agency for development of infrastructure for industrial units under IID
Schemes. Two locations have been identified for implementation of this scheme. A short
introduction on location and region is provided below:
 Auto Complex at Belguam:

• Extent: 280 Acres with fully loaded infrastructure.
• More than 1000 Units in the complex.
• Airport in Belguam with good railway links and well connected with roads.
• Port at Karwar-160 Kms, Panaji-180 Kms.
• River: Gokak.
• Good educational institutions in the District.
• Home of INDAL Aluminum Company and hub of trade and commerce in the region.
 At Bagalkot:
• Extent: 100 Acres.
• Work is under progress.
PROJECTS OF KIADB
Auto Parks
To give momentum to growth of automobile industry in Karnataka, KIADB has made plans
to encourage location of automobile ancillary & servicing units following areas. Brief details of
Auto Park and Locations are as below:
 At Bidadi in Bangalore:
• Existing world-class infrastructure.
• Adjoining to Proposed Bangalore-Mysore Express Corridor project.
• Home of Toyota Cars ,Coco-Cola & Toyota Techno - Park Projects.
• In the vicinity of Kumbalgodu Industrial Area where Motherson-Sumi, & Araco have
units.
• 30 Kms. from Bangalore on State High Way.
• 1400 MW power project envisaged by KPC.

 At Shimoga:
• Extent: 23 Acres with fully loaded infrastructure.
• Allotment made to 180 Units already.
• Shimoga is regional centre for trade and commerce.
• Educational & Health facilities.
• Rivers: Tunga & Bhadra.
• District is well connected with rail and roads.
• Abode of world famous Jog Falls & 1330 MW capacity power generation unit .
 At Dharwar:
• Extent 650 Acres with fully loaded infrastructure.
• Regional Centre for trade and commerce.
Brief profile of Dharwar District.

• Location for cream of industrial fraternity like TELCO, HPCL, BPCL, Hindustan Lever,
Brooke Bond, Nirman Chemicals, Printers (Mysore) Ltd. to name a few
• ISCE / CBSE Schools, Engineering & Medical colleges, Training institutes like NTTF,
Agricultural Colleges, also HQ of Karnataka University
• Distance from Bangalore-410 Kms.,Belguam-75Kms., Bellary-230 Kms.
• Railway link to Mumbai, Bangalore, Hubli & Guntkal etc.
• Ports at Karwar-180 Kms. Panaji-135 Kms.
• Airports at Hubli-15 Kms., Belguam-75 Kms,Panaji-135 Kms.
• River: Malaprabha.
Electronic City at Bangalore

• Welcome to the heart of Indian Information technology industry. This location has put
India on the world map of IT. This area is in pollution-free locality and is the envy of
many States for its eminent client list of market leaders in field of Electronics and
Information Technology. The contributions to the world of technology from Electronic
City have become the benchmarks in the industry.
This area comes with many features…

• An extent of 320 acres of land either side of NH-7 (Banglore-Hosur Road) comprises
Electronic City.
• Full infrastructure loaded.
• Dedicated Water supply from BWS & SB and stable Power Supply.
• Additional land of 122 acres acquired for formation of 3rd Phase.
• Out of this, 75 acres already allotted to Dept of Bio Technology for setting up of Bio-
Tech Park.
• Located On NH-7 at a distance of 23 Kms. from Bangalore City.
• Concrete topped double road for express traffic.
• Looped fly over on approach road built by BDA to ease traffic.
• All secondary infrastructure available in the area.
• Close to posh residential localities

KARNATAKA STATE SMALL INDUSTRIES DEVELOPMENT

CORPORATION LIMITED.(KSSIDCL)
(A Government of Karnataka Undertaking)
INFORMATION UNDER THE RIGHT TO INFORMATION ACT
The Particulars of Organisation, functions and duties.
The growth of Small Scale Industries in our country since independence is rightly regarded as
one of the most significant features of planned economic development. The very concept of
small-scale industries, as we know, was not in vogue on the eve of independence. Rural and
Cottage industries, which constituted the “indigenous sector” of our industries, were wide spread
throughout the length and breadth of our country. Various programmes to sustain, modernise and
further develop this group of industries were initiated soon after the independence and the
modern small-scale industry scheme has gradually emerged out of this programme. The Small
Scale Industries have provided opportunities for self employment to educated young men and
experienced technicians from the middle level of society and contributed full to the growth of
industrial entrepreneurship in our country. Today small-scale industries is regarded as power tool
for balanced regional economic development. These achievements are primarily due to the
dynamic enterprising spirit of the small-scale industrialists themselves. A positive programme
for assistance of small-scale industries was initiated towards the end of 1954 on the basis of a
suggestion made by the international planning team sponsored by the Ford Foundation at the
request of Govt. of India. Further, on the basis of the recommendations of the central small
scale industries advisory board the state level organisations to assist the small scale
industries for procurement of scarce raw materials establishment of industrial estates, etc, have
been set up in all states. KSSIDC, is one of such Corporations, established on 29th April
1960.The registered office of the Company started functioning at Bangalore in the State of
Karnataka. The Company framed comprehensive and well-defined Memorandum of Association
and Articles of Association. Which permit the Corporation to take up any activity aimed at the

rapid development of small-scale industry, subject to the guidelines issued by the Government
from time to time and also as per Govt. order.
Functions:
ESTABLISHMENT AND MANAGEMENT OF INDUSTRIAL ESTATES
The programme of establishment of industrial estates, which has been carried out by the State
Government involved in construction of industrial sheds of various dimensions and providing
them with essential amenities such as roads, water supply, sewerage line and electricity. The
maintenance and upkeep of the sheds also became a part of the responsibility of the Corporation.
Besides constructing and letting out the industrial sheds, developed plots were also offered to the
entrepreneurs to put up their own factory sheds. The company also established exclusive and
prominent ancillary industrial estates in the vicinities of large and medium scale industry to cater
to their services to public sectors like BEL, ITI, HAL, NGEF, BHEL, BEML, VISL and Mysore
Lamps.
The Company has also established an exclusive Industrial Estate under ‘Dr. B.R.Ambedkar Birth
Centenary Programme’ at Jigani Bangalore District where 100 sheds have been constructed and
86 plots have been formed with all infrastructure exclusively for SC & ST entrepreneurs. The
Allottees of these sheds are required to pay only 40% of its cost.
The company under VISHWA SHEDS SCHEME constructed 800 sheds all over the state for the
use of tiny units.
LAND ACQUISITION:
The Company with a view to acquire land in and around Bangalore has identified about 2000
Acres of Land in Ganapathihalli and surrounding villages in Magadi Taluk which will be
developed as a model Industrial Estate.

PROCUREMENT & DISTRIBUTION OF RAW MATERIALS

The Company has also established 27 Raw-material depots throughout the State to cater the
needs of SSI units. The Company is currently handling Industrial Raw materials like Iron &
Steel.
The Company also distributing the Raw material required by Government Departments.
The company has also established centralised stockyard with railway siding facility
at Channasandra, Bangalore at a cost of Rs.100 Lakhs. The Channasandra Stock
Yard is capable of handling more than 1,00,000 Mts. of Iron and Steel Materials including Coal
and Coke.
PARTICIPATION IN EXHIBITIONS
The Company up to 1980 participated in a large number of National and International exhibition
as a part of dissemination of information as well as to create Marketing Outlets for
the products of SSI units. Participation in the International Exhibition has resulted
in securing substantial export order by the SSI units. With this expertise the
Company looks forward to help Export Units to obtain their orders.
OTHER ACITIVITIES:
The Company as a nodal agency for Co-Ordination with Indian Standard Institution set up a
laboratory at Peenya Industrial Estate for ensuring the quality of the products
manufactured in the State. This laboratory provides modern testing facilities for
types of products manufactured in Engineering, Chemical, Electrical, Electronics
and other similar areas. This project with an investment of Rs. 100 Lakhs. Is
financed by the State Govt., KSSIDC, KSFC, KSIIDC, NGEF, MML and IDBI.
Further, the cost of standardisation and licensing fee will also be kept to minimum
since the laboratory will work on no profit basis. Like wise National Institute of
Design have come forward to associate with KSSIDC in setting up a branch of the
National Institute of Design at Industrial Estate, Rajajinagar and is extending its
services for the benefit of the small scale industry in improving the product design

and allied matter. Necessary infrastructure facility has been provided by KSSIDC
to this center.
Company has also provided the accommodation to National Productivity Council for
maintenance and service center at Peenya for the benefit of the Small Scale
Industries.
ENTERPRENEURAL DEVELOPMENT PROGRAMME.

The Company is extending necessary assistance for organising Entrepreneurial Development
Programmes in various parts of the State in association with TECKSOK and other
commercial banks with a view to identify the talents and to improve the quality of
Entrepreneurial skill amongst the educated youth.
KSSIDC MISSION
The Corporation’s principle objective is the promotion and development of Small Industries in
the State. Construction and utilisation of infrastructure, especially in backward areas,
procurement and marketing of Raw Materials, technical support and assistance-are means to
reach the goals. A concern for results, emphasis on quality and timely work and willingness to
understand the problems of entrepreneurs-are the staff creed, and KSSIDC constantly strive for
this end. An Industrially prosperous Karnataka is our vision
STRUCTURE OF THE COMPANY

The Company apart from Board of Directors and Managing Director General Manager, Chief
Managers including a Superintendent Engineer, who constitute the core of the service
management. The Company, apart from its Head Office at Bangalore has Three Zonal Offices of
which, One is situated at Bangalore, another at Hubli and Third one at Mysore. The Company
has Eleven Division Offices headed by Deputy Chief Managers and 27 Raw material Depots
spread throughout the State of Karnataka. The total staff strength of the company is 404.
The company has computerized most of its activities with a view to keep up-dated information in
all the spheres of small industries development. The computer is being used mainly for
processing pay rolls, financial accounts, raw-material inventory accounting, preparation of

estimate, tender and also to process the management information system to aid the management
on the day-to-day administration. The company is also making efforts for simplifying the
procedures and to de-centralise the powers so as to ensure that the decisions are taken even at the
field level.
II) POWERS AND DUTIES OF OFFICERS AND EMPLOYEES:

KSSIDC being a company, the highest authority in the company is its Board of Directors and
being a Government company all the directors are nominated by Govt. of Karnataka . The Board
of Directors constitute the Chairman, Managing Director, and other Directors are nominated by
the Government from time to time.
Powers of the Board:

The Board of the company exercises all the powers that the Board of a company exercises
subject to the restrictions in the Articles of Association which lays down that certain powers are
to be exercised only with the approval of Government. There is also a clause in the Articles of
Association that Govt. will have the power to to give directions to the Board. The main
restriction in the power of the Board is that all capital expenditure above Rs.50 lacks is subject to
approval of Govt.
Powers of the Managing Director :

The decisions taken by the Board and the Committees of the Board re implemented by the
Managing Director who has the powers of management of the unit and looks after the routine
day-to-day issues and other administrative matters.
Powers of Officers:
The Board has delegated routine restrictive administrative powers to the departmental heads for
day-to-day affairs of the functional areas. The officers in the cadre of General Managers, Chief
Managers, Superintendent Engineer, Company Secretary, Dy.Chief Managers exercise the same.
However, the overall administrative control of the corporation is vested with the Managing
Director.

III) THE PROCEDURE FOLLOWED IN THE DECISION MAKING PROCESS

INCLUDING CHANNELS OF SUPERVISION AND ACCOUNTABLITY
The Board of Directors of the Corporation takes decisions on policy matters. These
decisions percolates down the line through the Managing Director who gives Administrative
orders based on the decisions taken by the Board. Based on the Administrative orders issued by
the Managing Director, the departmental heads implements the decisions of the Board. The
decisions when it is implemented are again reported back to the Board in the form of compliance
report in the next Board meeting. In this way Board supervises the accountability of
departmental heads.
IV) THE NORMS SET BY IT FOR THE DISCHARGE OF ITS

FUNCTIONS:
The norms set by the Board is the policy decisions taken by the Board and also the
internal circulars released by the Managing Director from time to time. The implementation of
these Office instructions are the complete responsibility of the departmental heads.
V) THE RULES, REGULATIONS, INSTRUCTIONS, MANUALS AND RECORDS,

HELD BY IT OR UNDER ITS CONTROL OR USED BY ITS EMPLOYEES FOR
DISCHARGING ITS FUNCTIONS;
The Corporation has framed allotment rules for allotment of sheds / plots, cadre and
recruitment rules and conduct rules for its employees. The Field Officers at various levels are
bound by these rules in their day to day functions.
VI) A STATEMENT OF THE CATEGORIES OF DOCUMENTS THAT ARE HELD BY

IT OR UNDER ITS CONTROL.
The Corporation maintains statutory records as required under the different statutes. The
proceedings of the Board and Sub committees are not accessible to the public for inspection or

obtaining copies thereof. Apart from this each department maintains their own documents and
registers for its smooth functioning.
VII) THE PARTICULARS OF ANY ARRANGEMENT THAT EXISTS FOR
CONSULTATION WITH, OR REPRESENTATION BY, THE MEMBERS OF THE
PUBLIC IN RELATION TO THE FORMULATION OF ITS POLICY OR
IMPLEMENTATION THEREOF;
The Corporation has not appointed any consultants nor do they have any arrangement
with any consultant in relation to formulation of its policy or implementation there to. The
corporation is under the Ministry of Industries, Govt. of Karnataka. The corporation generally
follows the industrial policy announced by the state government from time to time. The policy is
framed by the elected representatives of legislature with the objective of Industrial growth in the
state and creation of employment.
VIII) A STATEMENT OF THE BOARDS, COUNCILS, COMMITTEES AND OTHER

BODIES CONSISTING OF TWO OR MORE PERSONS CONSTITUTED AS ITS PART
OR FOR THE PURPOSE OF ITS ADVISE, AND AS TO WHETEHR MEETINGS OF
THOSE BOARDS, COUNCILS COMMITTEES AND OTHER BODIES ARE OPEN TO
PUBLIC, OR THE MINUTES OF SUCH MEETINGS ARE ACCESSIBLE FOR
PUBLIC;
The Board of the Corporation has constituted the following committees.

Audit Committee
Finance and Raw-Material Committee
Technical sub committee.
The members of these sub committees are the Directors of the Corporation who are nominated
members for the above Committee. The Committee meets periodically at different intervals and
takes decisions on the subjects, which are placed before them. Thereafter the proceedings are
drawn and are placed before the Board for its consideration and noting. The proceedings of the
above committee are not available for inspection by the citizens.

IX) A DIRECTORY OF ITS OFFICERS AND EMPLOYEES.

LIST OF DEPARTMENT HEADS AND OFFICE PHONE NUMBERS
DESIGNATION SRIYUTHS OFFICE RESIDENCE MOBILE
NO.
Chairman
Managing Director Dr. K.H. Govindaraj 2330 3037 2340 1932 99020 10029
General Manager ( C &PR) L.Nagaraju 2338 0979 2527 2905 94484 95083
General Manager –(IES & II) M.Shankara 2338 9742 2332 2324 94484 95082
General Manager ( A & Syed Ali Razvi 2330 7311 6572 3892 98864 98478
LAQ)
Chief Manager ( I.A) G.Nagamani 2350 1215 2365 2009
Chief Manager ( IES) Zone-I C.G.Sreenivasan 2335 3932 2347 1472 94484 95087
Chief Manager (Finance) I/c B.S.Varadarajulu 2335 5685 2337 3217 94484 95088
S E, S.P.Raghunath 2340 4479 2880 1282 94484 95094
Company Secretary M.D.Rajasimhan 2340 7012 2344 1852
Chief Manager ( C) A.J.Dattatreya 2320 8970 2684 1433 94484 95090
Dy. Chief Manager (Co- K.G. Shantha Kumar 2314 3566
Ordn)
DY.Chief Manager (CA) M.D.D.Revanna
Dy.Chief Manager (Urban) Rangahanumaiah 2335 6592 2528 3385
Dy.Chief Manager (IES), R.Puttanaika 2340 7025
Rural
Dy.Chief Manager(IES) Per B.N.Kannike 2350 0325
Dy,Chief Manager (Laq) H.V.Narayanswamy
Executive Enginner G.H.Nijalingappa
Executive Enginner (Elecl) Munivenkataiah
DY.Chief Manager (IEA)I/c L.Parvathi
Technical Asst. to S.E H.Vedavyasa Prabhu
Manager (C.A) H.Vijaykumar
Manager (CA) R.Shashikumar
Manager (IA) S.Kadaiah
Manager (Per) M.D.Rajashiman
Manager (Coml) C.T.Mudalagiraiah
Manager (IES), Urban B. Basavaraj
Manager (IEA) G.Ramesh Babu
Asst.Manager (EDP) Raghunandan 2320 2597
Asst. Manager (IPCL) Ravi Prasad
Asst.Manager (Law) A.M.Chandrappa
Asst.Manager (PRO) & H.C. Dayananda
Vehicles

Premises, A.E.E. V.R. Harihar

PS to M.D D.Ramesh 2330 3037 2334 9258
PA to M.D. Sriramu 2330 3037 2545 6846
FAX NOS.
MDs Section 091-080-2338 9526
GM ( A & L) Section 091-080-2338 9070
DCM(Co-Ord) 091-080-23143566
CHIEF MANAGER (C ) 091-080-23208970
EPABX – For All Officers 23407012 to
24
E-mail: kssidcho@vsnl.com Website:www.kssidc.kar. nic.in
ITS OFFICERS AND EMPLOYEES, INCLUDING THE SYSTEM OF

COMPENSATION AS PROVIDED IN ITS REGULATIONS:
The corporation follows the compensation s per the regulations applicable to State Public Sector
Undertakings with a scale of pay and yearly increments to each of its category of staff and
officers and the Dearness allowance as announced by the State Govt. from time to time. The
total pay per month for different category of officers and staff are given in Annexure I.
XI) THE BUDGET ALLOCATED TO EACH OF ITS AGENCY, INDICATING THE

PARTICULARS OF ALL PLANS, PROPOSED EXPENDITURES AND REPORTS ON
DISBURSEMENTS MADE.
There are no other agencies for the corporation since this itself is a government agency.
XII) THE MANNER OF EXECUTION OF SUBSIDY PROGRAMMES, INCLUDING

THE AMOUNTS ALLOCATED AND THE DETAILS OF BENEFICARIES OF SUCH
PROGRAMMES
The Corporation being state Government undertaking is bound by the orders of the Government
from time to time. This implies that the subsidy schemes announced by the Government are
adopted by the Corporation.
At present the following subsidy programmes are in force in the Corporation
1) SC/CT subsidy scheme :
40 % or Rs.2.00 lakhs whichever is less on price total cost of shed /plot.

2) Vishwa shed subsidy is offered by Government which comes in the form of Rent.
The respective allottees are the beneficiaries of these subsidies.
XIII) PARTICULARS OF RECIPIENTS OF CONCESSIONS, PERMITS OR

AUTHORISATIONS GRANTED BY IT.
There are no concessions, permits or authorisation granted by it.
XIV) DETAILS IN RESPECT OF THE INFORMATION, AVAILABLE TO OR HELD

BY IT, REDUCED IN AN ELECTRONIC FORM
The relevant information which the citizen may require on the above activities are available
readily with each departments who are identified as Information Officers. They may contact
them for the same. For ready reference the text of Office Order is appended below as Annexure
2.
XV) THE PARTICULARS OF FACILITIES AVAILABLE TRO CITIZENS FOR
OBTAINING INFORMATION, INCLUDING THE WORKINBG HOURS OF A
LIBRARY OR READING ROOM, IF MAINTAINED FOR PUBLIC USE.
The citizens seeking information may avail the facilities in the Corporation by contacting
GM( PR) on any working day between 10.00 Am and 5.30 PM.
XVI) Such other information as may be prescribed.

Yet to be prescribed

Employee Remuneration(Scale of Pay) : Annexure I

Sl No. Category of Post Pay Scales (Rs)
1 Peon/Watchman/Electrician 4800-100-6000-125-6500-150-7100-175-7275
2 Attender 5200-100-6000-125-6500-150-7100-175-7800-
200-8200
3 Junior Asst/ Typist/Driver/Senior 5800-100-6000-125-6500-150-7100-175-7800-
Attender/Supernumorary 200-8600-225-9500-250-
Senior Attender 10500
4 Tracer/Sel-Grade- 6250-125-6500-150-7100-175-7800-200-8600-
Attender/Electrician(Prese 225-9500-250-10500-300-
nt) 12000
5 Senior Typist/Tracer/Senior Driver 7275-175-7800-200-8600-225-9500-250-
10500-300-12300-350-13350
6 Stenographer/Senior Assistant/Senior 8000-200-8600-225-9500-250-10500-300-
Trader/Selection Grade 12300-350-14400-400-14800
Driver
7 Head TypistJunior Engineer 8825-225-9500-250-10500-300-12300-350-
14400-400-16000
8 Assistant Manager/Senior Stenographer 10000-250-10500-300-12300-350-14400-400-
16800-450-18150
9 Manager/PS to MD/ J.E (Spl Grade)/ Senior 11400-300-12300-350-14400-400-16800-450-
Draughtsman 19500-525-21600
10 Assistant Executive Engineer I/II 14050-350-14400-400-16800-450-19500-525-
22650-600-25050
11 Deputy Chief Manager / Company Secy. 18150-450-19500-525-22650-600-26250-675-
/Executive Engineer 26925
12 Chief Manager / Superintending Engineer 20025-525-24650-600-26250-675-28275
13 General Manager / Chief Engineer 24450-600-26250-675-30300-750-31800
Details of PIO/APIOs. Annexure II

Sl Department CAPIOs CPIOs Appellate
No Authority
1 Indl. Estate Activities: Deputy Chief Manager Managing
Information such as allotment of sheds / plots, Chief (IES) Director
issue of notifications, bidding, auctioning, . Manager
allotment, pricing policy, execution of sale deeds, (IES)
resumption of sheds / plots etc. including Co-

ordination covering LA/LC matters.

2 Commercial Department Deputy General Managing
Identifying Market Demand for supply of Chief Manager Director
Industrial Raw Materials, procurement of Manager (Comml)
industrial Raw Materials and its Geographical Comml)
distribution to the Zonal Offices, identifying the
end users for issue of Raw materials, invoicing,
supply chain management, pricing, offering
discounts, publication of cinematic films,
finalizing tenders for transportation etc.
Entrepreneurial Guidance Cell subsidy for Iron
and Steel disbursement and allotment / Iron and
Steel to SSI units, demand survey of Iron and
Steel, placing indent and requirement before the
ministry of steel.
Engineering Department
3 Inviting Tenders for construction activities Executive Superintending Managing
awardal of tenders. Contractors management, Engineers Engineer Director
infrastructural development in Industrial Estates, Zone –I, II
maintenance of Civil Works, building & III and
management and all functions relating to Electrical
Engineering Department and Electrical works
Administration
4 Information concerning manpower, recruitment, Deputy Chief Managing
termination, promotion, disciplinary proceedings, Chief Administrative Director
transfers, the entire spectrum of human resource Manager Officer
management, Land acquisition matters, interface (PER)
with Government agencies, welfare activities of
employees and all other information related to
human resources and Administration matters,
including liaison with KIADB. maintenance of
land records of industrial estates and its
management. Providing Securing Guards.
5 Public Relations Assistant General Managing
Maintain of stock registers, stock information’s. Manager Manager (PR) Director

Release of notifications, paper advertisement, (PR)

procurement and maintenance of vehicles,
purchase of all types of stationeries and Office
furniture’s, subscription to news papers and
periodicals, maintenance of Office equipments
like fax, telephone, Xerox, protocol maintenance
of stock register, stock verification etc.
6 Finance Department Deputy Chief Manager Managing

Fund management, asset management, all Chief (Finance) Director
information pertaining to finance and accounting Manager
functions including preparation of financial
accounts, tax management, book keeping,
compliance of all statutory regulations concerning
financial and tax management, information
relating to Industrial Estate accounts, Commercial
Accounts, Works Accounts etc.
7 Audit Manager Chief Manager Managing
Scrutiny of files which requires certification by (IA) (IA) Director
the Internal Audit Department, pre-audit of files
concerning issue of sale deeds, inspection of raw
material godowns, Br. Audit, issues relating to
Audit Sub-Committee of the Board, Stock
verification of Iron and Steel etc.
8 Legal and Secretarial Assistant Company Managing
Manager Secretary Director
Information relating to the Board Meetings, Sub- (LAW)
Committees of the Board, Agendas to the
meeting, minutes of the meeting, constitution of
the Board and its Sub-Committees, statutory
compliance of Corporate Laws as applicable to
the Corporation, Statutory Registers, Information
relating to legal cases like filing of suits, Writ
Petitions, Compliance of the Court / Tribunal /
Commissions orders, information relating to the

Advocates on the panel, Information regarding

legal opinion, information relating to committee /
Board / General Meetings details of Directors /
Share holders etc.
The above Assistant Public Information Officers and Public Information Officers are advised to
address the grievances of the citizens in the light of the right to information act. In case of any
clarifications or doubts on this, the Company Secretary of the Corporation may be contacted.

Micro, Small and Medium Enterprises(MSME)

SISI, is now MSME-Development Institute, Mumbai
On the merger of Ministry of SSI and Ministry of ARI and formation of a new Ministry i.e.
Ministry of Micro, Small and Medium Enterprises, Small Industries Service Institute, Mumbai
has been renamed as MSME-Development Institute, Mumbai w.e.f July, 2007.
New Programmes
Professional Course in International & Domestic B.P.O. Skills (Call Center Training)
• Entrepreneurship Skill Development Programme on Handmade Paper & Stationery Items

• Technology Resource Programme on Bakery & Allied Products
• Lean Leader Certification Programme for MSMEs
• Professional Course on 'Beautician'
• Two day’s Programme on ‘Up-gradation for Welding Technology – Fabrication’
• Management Development Programmes.
• CAD/CAM Courses.
Schemes
• Schemes under NMCP
• Reimbursement Scheme for obtaining ISO 9000
• MSME-MDA Scheme

Shri Sachit Bhide w as an unemployed youth in the year 1998-99. He approached SISI Mumb
We w ish him all success and hope that many young entrepreneurs w ill be motivated from his
Formation of a Cooperative in Rural Area.
Shri Sachit Bhide
Mrs. Vasundhara Mahajan has attended Entrepreneurship Development Programme conduc
Address :
RAPID INDUSTRIES
Diamond Industrial Estate,
Ketkipada Road, Off. W.E. Highw ay,
Dahisar (east),
Mumbai - 400068
Mrs. Vasundhara Mahajan
Shri Prashant J. Kashikar has undergone an Entrepreneurship Development Programme cond
M/s. Mika Engineering (India) Pvt. Ltd.,

Shailesh Indl. Estate, NO.7, Navghar,
Vasai Road (E),
Dist Thane-401210
Tel.(0250) 2391346, 2390459
Shri Prashant Kashikar
Shri P. Satheesan Menon, a Chartered Engineer had undergone the Entrepreneurship Develop
Shri Menon is operating in the follow ing address :
M/s. Jai Automotive Innovations,
B-7, Annapoornadham, 2nd Lane, Pandurangw adi,
P.O. Dombivali (E), Maharashtra
Tel:0251-2801258 / 2441832
Shri Satheesan Menon
Ms. Rita Chhabria & Ms. Geeta Chhabria w ere the trainees of EDP Programme conducted fo
Inspired by the training received in the EDP Programme, the duo started their ow n venture in G
They have now their ow n shop registered under Bombay Shop & Establishment Act.
These trainees are now motivating others to opt for self-employment by attending Training Pro
Mrs Pratiksha Bagw e has undergone a One Month Entrepreneurship Development Programme
Her unit is now permanently registered w ith DIC Thane w ith Regn No 112484158. SISI, Mumba
Mrs. Pratiksha Bagwe
Shri Subhashchandra A.Palav, opted for VRS from India United Mills, Unit No.1, NTC(MN) Ltd.,
Shri Palav,
R.V.College of Engineering, started his venture of re-filling of perfumes etc. He now
Bangalore feels very confident of lea 35
Address :
Shri Subhashchandra Ankush Palav,
2/53, Anant Nivas, Sane Guruji Marg,
An Entrepreneurship Development Programme for Women on Manufacture of Bags & Wallets

was organised at Chiplun, Dist. Ratnagiri in the year 2003-04.
As per the advice of Director, during his presence in valedictory function and Inspired by this
Programme the participants viz Mrs. Alaskar, Mrs. Khare, Mrs Mane, Mrs. Khamkar, Mrs Jyoti
Kanhere formed Sneha Swayam Rojgar Mahila Sahakari Sanstha, a cooperative organisation for
self employment, Now 70 women operating in nearby area have become member of this
Cooperative Society which manufactures and sell ladies garments like petticoat, blouses, bags,
wallets etc.
They have achieved turn over of Rs.5.00 lakh in first 08months. They approach SISI Mumbai for
further guidance and improving working of their Society.
Address of the Society :

Snehsakhi Swayam Rojgar Mahila Sahakari Sanstha.
5/B, Prathamesh Apt., Mumbai Goa Highway,
Ozarwadi, Chiplun
Dist Ratnagiri – 415605
International Trade Fairs

• SAARC, Fair, Colombo, Sri Lanka (Aug 28-31, 2008)
• JAPAN DIY (Do it Yourself) Home Centre Show, Chiba (Tokyo) (Aug 28-30, 2008)
• Budapest International Trade Fair, Budapest, Hungary (Sept 10-14, 2008)
• 5th China Small & Medium Enterprises Fair, Guangzhou, China (Sept 22-25, 2008)
• AF'l Artigiano in Fiera - Intl Craft Selling Exhibition, Milan (Italy) (Nov 29-Dec 08)
• Cairo International Fair, Egypt (March 15-25, 2009)
Services
 Technical Consultancy Services
 Managerial Consultancy Services
 Economic Investigation Services

 Entrepreneurship Development Programme

 Prime Minister's Rozgar Yojana (PMRY)
 Export Promotion & Marketing
 International Trade Fair
 Common Facility Workshop
 Library Facility
 Modernisation / Technology Upgradation

SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA(SIDBI)
Mission:
To empower the Micro, Small and Medium Enterprises (MSME) sector with a view to
contributing to the process of economic growth, employment generation and balanced regional
development
Vision
To emerge as a single window for meeting the financial and developmental needs of the MSME
sector to make it strong, vibrant and globally competitive, to position SIDBI Brand as the
preferred and customer - friendly institution and for enhancement of share - holder wealth and
highest corporate values through modern technology platform
Various schemes:
Mahila Udyam Nidhi (MUN)
Purpose To meet gap in equity
Eligible Women entrepreneurs for setting up new projects in tiny / small scale sector
Borrowers and rehabilitation of viable sick SSI units. Existing tiny and small scale
industrial units & service enterprises [tiny enterprises would include all
industrial units and service industries (except Road Transport Operators)
satisfying the investment ceiling prescribed for tiny enterprises] undertaking
expansion, modernisation technology upgradation & diversification can also be
considered.
Norms Scheme operated through SFCs / twin function SIDCs / Scheduled Commercial
Banks / Select Urban Co-operative Banks
Cost of Project - Not to exceed Rs.1 million
Soft Loan limit - 25% of cost of Project subject to a maximum of Rs.2,50,000
per project.
Service charges - 1% p.a. on soft loan
Direct Credit Schemes

• SSIs • Medium Sector Enterprises

• Service sector units with (MSE) and
project cost upto Rs.25 crore • Service sector units with
project cost above Rs.25
crore and upto Rs.250 crore.
Eligibile I] New or existing SSI units. i] New or existing medium sector
Borrowers ii] SSI unit graduating to medium enterprises, and
scale, and ii] Service sector units with an
iii] Service sector units with an overall project cost above Rs.25
overall project cost not exceeding crore and upto Rs.250 crore with
Rs.25 crore. Bank's assistance not exceeding Rs.
50 crore.
Constitution The unit should generally be a private The unit should generally be a
limited / public limited company. private limited / public limited
However, partnership firms, sole company
proprietorship concerns and Societies
and Trusts would also be considered
on a case to case basis.
Nature of Term loan and other forms of Term loan and other forms of
assistance assistance such as Working Capital assistance such as Working Capital
Term Loan and bills discounting (on Term Loan, suppliers' & purchasers'
selective basis). bills discounting. Investment
products such as debentures,
optionally convertible cumulative
preference shares, zero coupon
bonds, etc.
Currency of In Rupee or foreign currency In Rupee or foreign currency
loan
SIDBI's Fixed Deposit Scheme is rated 'AAA(FD)' by CARE and 'FAAA' by CRISIL indicating
highest safety with regard to payment of principal and interest. Salient features of the scheme are
given below. The detailed terms of the scheme are enumerated in the application forms which

may be obtained from any of the offices of SIDBI.
Schemes
Minimum Deposit@
A. Cumulative Deposit Rs. 10,000
B. Annual income Rs. 10,000
C. Quarterly Income Rs. 10,000
D. Monthly Income Rs. 10,000
* Additional amounts in multiples of Rs.1,000
Eligible Depositors
Resident Individual. Companies
Minors. Bodies Corporate
HUFs. Societies
Partnership firms Association of Persons
Features
Nomination facility available on Single & Joint Deposits by Individuals.
TDS exemption for income upto Rs. 5000/-. Eligible investments for religious/ charitable trusts
u/s 11(5) of I.T. Act,1961
Interest/ Redemption Cheques will be encashable “at par” in Depositor’s City/ Town.
Direct Credit of Interest to Depositor’s Bank Account through ECS.
Higher rates of interest for Senior Citizens.
Flexible Interest rates on Bulk Deposits.
Duration of Deposit
The minimum and maximum duration of the deposit is 12 and 60 months respectively. The
deposits are accepted for a tenure in multiples of one month only.
National Small Industries Corporation (NSIC)’s

Single Point Registration Scheme

F. No. 2(II)/92-Mktg.
Government of India
Ministry of Industry
(Department of SSI & ARI)
New Delhi , the 10th July 1993 .
Government’s Purchase Price Preference Policy- Grant of benefits to small scale units.
Government of India have been extending various facilities as detailed below to the small scale
units registered with National Small Industries Corporation under its Single Point registration
Scheme or with Public Enterprises concerned in order to help them in marketing their products:-
Issue of tender sets free of costs, Exemption from payment of Earnest Money, Waiver of
Security Deposit upto the monetary limit for which the unit is registered, rice preference upto
15% over the quotation of the large scale units.
Function and Objectives

The primary function and objectives of the Directorate of Industries are supervision and control
of District Level functionaries, i.e., the District Industries Centres in implementation of the
various schemes and programmes of the Department.
The basic objective of the Department is also to act as the Nodal Promotional Agency in the
development of industries and industries activities in the State as a whole.
And to promote and achieve the above-mentioned purpose, the Department organises and
implements various programmes and schemes to provide the basic infrastructural facilities for
the creation of industrial awareness and atmosphere viz.,
Investment Awareness Programmes
Entrepreneurship Development Programmes
Workshop and seminars etc.
Besides, the Department also runs regular vocational training courses for creation of skilled
manpower in the following trades: -

 Knitting
 Tailoring and Embroidery
 Carpentry and Furniture making
 Leather, Blacksmith and Fabrication
 Carpet Weaving
To replacement the above purpose, regular sponsoring with stipend is also offered to local youths
for under-going training and study courses both inside and outside the State.
The Department also provides grants-in-aid loans to some of the autonomous bodies and
subsidiaries like the M.K.V.I.B., M.H.H.D.C., M.E.D.C., M.C.C.L. etc., every year.
To accelerate the pace of industrialisation process, infrastructure development and development

of industrial areas and estates are being given importance. Financial Assistance is made available
to tiny/ cottage, to large/ medium sector of industrial units in the form of grants-in-aid to
technical entrepreneurs to package scheme of incentives and central transport subsidy. Some of
the scarce raw materials like paraffin wax, iron and steel materials are also allotted to register
industrial units at concessional rates.
Every year, a number of local entrepreneurs are nominated for selection of National Awards to: -
 Small Scale Industries and
 Handloom and Handicrafts Artisans

Major Plan Scheme
Development of Industrial Areas and Estates

With the passing of time, there has been a steep rise in scarcity of suitable land for setting up of
industrial projects. Therefore, to meet the above demand clutched with other basic Industrial
Infrastructures, like road, water, power etc., the Department have acquired suitable plots of land
almost in every district of the state and developed them into industrial areas and estates. And for
efficient maintenance of these Industrial Areas and Estates, the Department has a specific annual
plan scheme known as Development of Industrial Areas and Estates.
Man Power General Schemes

In order to create skill technical and managerial entrepreneurs, the Department, through the
District Industries Centres (D.I.Cs.) and State Financial and Industrial Development Corporation,
i.e., Meghalaya Industrial Development Corporation (M.I.D.C.) sponsors local youths with
suitable stipend to undergo training studies so that they meet either the local demand or set up
Industries of their own as self-employment ventures after successful completion of their courses.
These schemes are:

 Manpower Training Scheme and
 Entrepreneurial Development Programme
Feasibility Studies
As consultancy and study for identification of viable industrial projects, the Department, through
the Meghalaya Industrial Development Corporation (M.I.D.C.) have undertaken a feasibility
studies of several Industrial projects, in which the Meghalaya Industrial Development
Corporation can take part in its equity participation.
Financial Operation
In order to enable the Meghalaya Industrial Development Corporation (M.I.D.C.) to meet its
requirement of fund as a financial institution, the Department extends fund to the Meghalaya
Industrial Development Corporation under the scheme of Financial Operation.

Package Scheme of Incentives

With the announcement of the State’s Industrial Policy in May 3, 1988 , the Department
extended the various package of incentive to small-scale medium and large-scale industries for
specific period of 5 (Five) or 7 (Seven) years for different item.
These state incentives are available to industrial units after they are established and permanently
registered with the State Directorate of Industries or the District Industries Centre (D.I.C.) as the
case may be.
Share Capital Contribution

As a Promotional Department, the Department do take part in Share Capital Contribution to: -
 Meghalaya Industrial Development Corporation (M.I.D.C.)
 Mawmluh Cherra Cements Limited (M.C.C.L.)
 Meghalaya Khadi And Village Industries Board (M.K.V.I.B.)
 Meghalaya Handloom And Handicrafts Development Corporation (M.H.H.D.C.)
 Meghalaya Electronics Development Corporation (M.E.D.C.)
Transport Subsidy Scheme

A major fiscal assistance is received by the local Industries by way of Transport Subsidy against
the expenditure incurred by these units either by importing their requirement of raw materials, or
exporting of their finished products from or to outside the state. The requirement of fund for the
purpose is reimbursed by the Central Government after the claims are disbursed on cent per cent
basis.
District Industries Centre Programmes

The innovative scheme of District Industries Centre Programmes was introduced by the
Government of India to provide all facilities to entrepreneurs under a single roof. Under the
scheme, each district of the state will have a fully functional District Industries Centres (D.I.Cs)
manned with managerial expertise in different streams.

Activities of Industries Department
Small Scale Registration

Small Scale Industries (S.S.I.) Registration is voluntary and not compulsory. However, an
Industrial undertaking has to be registered with the State Directorate of Industries in order to
avail some of the basic facilities like land or sheds in Industrial Area and Estates, Bank or
Institutional Finance, State Incentives and Central Grant of Transport Subsidies.
S.S.I. Registration is done in two stages i.e.,: - Provisional Registration : When an Industrial
Project is under proposal or, in preliminary stage. Permanent/ Final/ Registration : When of
effective steps have already been taken up towards implementation of the projects and it is ready
to go into production or when a unit is already existing and functioning.
Scheme for Self Employment of the Educated Unemployed Youth

The Prime Minister Rozgar Yojana (P.M.R.Y.) was introduced in 1993-94 with 95% loan for all
type of ventures such as:-
Upper Limit
i. Industry Rs. 2,00,000/-
ii. Services Rs. 2,00,000/-
iii. Business Rs. 1,00,000/-
Normal Industrial Loan

The District Industries Centres (D.I.Cs) do appraise and sponsor normal industrial loan cases to
financial institutions, for long term loan and to the commercial banks for short term lending for
working capital requirements.
EMPs/ EDPs/ Investment Awareness Programme

Towards motivation of the local people and to create Industrial Awareness atmosphere, the
Department organised Entrepreneurial Motivation Programmes (EMPs), Entrepreneurial
Motivation Developments (EDPs) and Investment Awareness Programmes at identified growth
centre throughout the state.

Departmental Training Programme

In order to meet the local demand of skilled hands and also to equip the local youths for self-
employment ventures, the Department runs regular vocational courses in the trade of :
 Knitting
 Tailoring and Embroidery
 Carpet Weaving
 Carpentry and Furniture making
 Leather, Blacksmith and Fabrication works etc
The trainees are granted with monthly stipend at nominal basis. On completion of the training
course, as a follow up, Grants-in-aid both in cash and kind are made available to these technical
entrepreneurs to set up self-employment ventures of their own.
Departmental Training Inside and Outside the State

Under the scheme of training inside and outside the state, the Department sponsors local youths
with stipend to undergo vocational training both inside and outside the state to create skilled
manpower who can either be employed in local industries or start self-employment ventures of
their own.
Training under the Practicing Master Craftsman

Like in the scheme of training inside and outside the state, under the above-mentioned schemes
also stipend to trainee craftsman and honorarium of master craftsman are offered.
Prime Minister’s Rozgar Yojana (P.M.R.Y) For Educated Unemployed Youth

Prime Minister Rozgar Yojana for providing self-Employment to Educated Unemployed Youth
was announced by the Prime Minister on 15th August, 1993 to provide self-employed
opportunities to one million educated unemployed youth in the country. The Scheme has been
formally launched on 2nd October, 1993 .

1. Objectives:
The PMRY has been designed to provide employment to more than a million Person by setting
up of 7 lakhs micro enterprises by the educated unemployed youth. It relates to the setting up of
the self-employment ventures through industry, service and business routes. The scheme also
seeks to associate reputed non-governmental organisations in implementation PMRY scheme
especially in the selection, training of entrepreneurs and preparation of project profiles.
2. Coverage:
The scheme intends to cover urban areas only during 1993-94 and whole of the country from
1994-95 onwards. From 1994-95 onwards, the existing self-employment Scheme for the
Educated Unemployed Youth (SEEUY) will be subsumed in PMRY.
3. Eligibility:
Any unemployed educated person living in any part of the country rural or urban fulfilling the
following conditions will be eligible for assistance. However, during 1993-94, the scheme would
be operated only in urban areas.
Age: Between 18 to 40 years (SC/ST - 45 years).

Qualification: Matric (Passed or Failed) or ITI passed or having undergone Govt. sponsored
technical course for a minimum duration of 6 months.
Residency: Permanent resident of the area for at least 3 years Document like Ration Card would
constitute enough proof for this purpose. In its absence any other document to the satisfaction of
the Task Force should be produced.
Family Income: Upto Rs.40,000/- per annum. Family for this purpose would mean spouse and
parents of the beneficiary and family income would include income from all sources, whether,
wages, salary, pension, agriculture, business, rent etc.
Defaulter: Should not be a defaulter to any nationalised bank/financial institution/co-operative
bank.
4. Reservation:
Preference should be given to weaker section including women. The scheme envisages 22.5%
reservation for SC/ST and 27% for other Backward Classes (OBCs)

5. Project Cost:
Projects upto Rs.1 lakh are covered under the scheme in case of individuals. If two or more
eligible persons join together in a partnership, the project with higher costs would also be
covered provided share of each person in the project cost is Rs.1 lakhs or less.
6. Margin Money, Bank Loans and Rates of Interest:

Entrepreneur is required to contribute 5 percent of project cost as margin money in cash. Balance
95 percent would be sanctioned as composite loan by Bank at the rates of interest applicable to
such loans under guidelines of Reserve Bank of India issued from time to time.
7. Collatoral guarantee on bank loans:

The loans would not require any collateral guarantee. Only assets created under the Scheme
would be hypothecated/mortgaged/pledged to the Bank.
8. Subsidy:
Government of India would provide subsidy at the rate of 15 percent of the project cost subject
to a ceiling of Rs.7, 500/- per entrepreneur. In case more than one entrepreneur join together and
set up a project under partnership, subsidy would be calculated for each partner separately at the
rate of 15 percent of his share in the project cost, limited to Rs.7, 500 (per partner).
9. Repayment Schedule:
Repayment Schedule would range from3 to 7 years after an initial moratorium of 6 to 18 months
as decided by the Bank.
10. Training:
Scheme envisages compulsory training for entrepreneurs after the loan is sanctioned.
11. Other Inputs:

a. State / U.T. Governments have been requested to provide necessary infrastructure support
like provision of Industrial sites, sheds, shops, water on preferential basis to these
entrepreneurs. Provision of sites and sheds at concessional rate to service ventures in
urban area will be essential for their success. Many State/U.T Governments are providing

various tax concessions and incentives under their industrial Policy. Such concessions
should also be extended to the beneficiaries under the scheme.
• As load requirement will be small, State/U.T. governments have also been
requested to give priority to the person getting the loan sanctioned under the
PMRY for electric connection and no deposit should be asked for and small
infrastructure e.g. erecting a few poles and extension of wire line should be done
expeditiously.
• Implementation of the Scheme of PMRY Yearwise Target and Achievements
Sl Year Target Applications Sanctioned Disbursed Nos. of Benef. Trained Empl. Gen
No Recd. Spon Nos. Amount Nos. Amount
.
1 1993 - 200 574 199 139 106.29 135 98.92 152 313
94
2 1994 - 300 1339 428 307 211.47 288 191.53 316 567
95
3 1995 - 550 1622 592 513 356.88 477 296.77 586 687
96
4 1996 - 550 1537 635 553 406.12 497 327.37 589 735
97
5 1997 - 550 1733 588 524 364.63 464 289.95 415 751
98
6 1998 - 550 1699 583 463 341.84 396 247.1 494 538
99
7 1999 - 550 2912 609 477 315.47 290 163.37 551 261
00
8 2000 - 600 3249 640 417 194.65 179 121.11 549 213
01
9 2001 - 2000 3591 1920 146 977.305 119 845.694 1714 1267
02 6 5
10 2002 - 300 3356 334 157 82.5 9 6.49 160 18
03
11 2003 - * 1350
04
12 2004 - * 1400
05
• Total 8900 2161 6528 501 3357.16 393 2588.3 5526 5350
2 6 0
• Remarks - * : Under Implementation.

• Business Opportunities in Meghalaya
• Export Routes :

• 8 Nos. of Customs Stations

• Coal, Limestone, Boulders, Fruits
• Industrial Infrastructure
• Scheme Area Declared
• Income Tax Exemption
• Excise Duty Exemption
• Interest Subsidy on Working Capital : 3 % for 10 years
• Interest Subsidy on Term Loan : 4 % for 3 years
• Scheme Area
• Distance of Scheme Areas
• To Railhead : 25 Kms
• International Airport : 30 Kms
• Dhaka : 400 Kms
• Business Opportunities
• Mineral Base
• Limestone Based Industries
• Clay Based Industries
• Coal Based Industries
• Refractories : (Sillimanite & Fire Clay)
• Agro - Horticulture
• Alcohol from Tapioca
• Spice Oleoresins (Ginger, Turmeric, Tezpata, Chilies)
• Medicinal Plant (Taxus Baccata, Orchids & Floricultures)
• Tourism
• Wettest Place on Earth (Cherrrapunjee & Mawsynram)
• Wildlife Tourism (Balpakram National Sanctuary)
• Adventure Tourism (Caving & White Water Rafting)
• Golf Tourism (18 Hole Natural Golf Course)
• New Tourism Policy Declared
• Tourism Infrastructure in place
• Leather Industry

• High Quality Hides

• 400 Heads Slaughtered Daily
• 83 Lakh Sq. ft. of Hide Per Annum
• Large Footwear Market
• North East India Alone – Rs. 130 Crores5% Local Production
• IT Industry
• Urban Literacy - 80%
• Good English Accent
• Conducive Climate
• Power Generation
• Existence of Hydro Power Potential
• 2800 MW
• 30 Potential Sites
• Investment Climate
• Supportive Financial Institutions
• Scheduled Commercial Banks – 180 Branches
• Central Incentives
• Transport Subsidy
• Income Tax Exemption
• Excise Exemption
• Capital Investment Subsidy
• Special Incentives for Food Processing
• Subsidy on Comprehensive Insurance
• State Incentives
• Power Subsidy : 30%
• Subsidy on drawal of Power Line (33 KV and above)
• Employment Subsidy
• Refund of Central Sales Tax
Why Meghalaya
• Store House of Natural Resources

• Liberalise Industrial Policy

• Absence of Labour Unions
• Skilled Man Power
• Locational Advantage for South East Asia Market

KARNATAKA STATE FINANCE CORPORATION (KSFC)

KSFC is one of the fast track Term Lending Financial Institutions in the country, with
assistance to more than 1,59,225 units amounting to nearly 8,537 crore rupees over the last 49
years in the State of Karnataka. It is one of the robust and professionally managed State
Financial Corporations.
Services Offered
Term Loan Activities Eligible

Term Loan Sanction Procedure
Term Loan Disbursement Procedure
Financial Services Non Life Insurance
Financial Services Life Insurance
Financial Services UTI Mutual Funds
Financial Services Monitoring Agency
Other Services Infrastructure Development
Activities/ Schemes For Objective / Purpose

Financial Assistance
General Scheme For establishment of new Tiny/SSI/MSI/ Service units and for
expansion/modernization/ diversification of existing units
Assistance To For establishing commercial complexes,residential apartments,
Construction / development of residential layouts, group housing, industrial
Infrastructure Related estates, software parks, godowns, warehouses, acquisition of
Activities ready built offices/new office building,sales outlets/showrooms
and other other infrastructure projects like flyovers, bridges etc
and construction,development and maintenance of roads.
Assistance To Hotels/ For setting up of medium and star category standard hotels in the
Restaurants state capital, district ad taluk HQ, important tourist centres. The
hotels should have boarding, lodging and restaurant facilities and
building plan approved by local authorities. Assistance for

mobile canteens is also available.

Assistance To Tourism Setting up of amusement parks, convention centres, travel and
Related Activities transport, tourist service agencies and restaurants.
Assistance To For setting up clinic, nursing homes, hospitals, and for acquiring
Doctors/Nursing electro- medical equipment
Homes/Hospitals/ Electro
Medical Equipments
Assistance To For construction and purchase of cinema halls and multiplexes,
Entertainment Industry production of short TV serials and feature films, software for
visual media publicity.
Single Window Scheme To provide loan both for fixed assets and working capital to tiny
and small-scale units whose project cost does not exceed Rs. 35
lakhs and working capital requirement does not exceed Rs. 15
lakhs.
Corporate Loan Scheme Short term loans to the existing successful units who require
urgent working capital funds either to meet gap in the working
capital requirements or funds required for executing the rush of
orders and also for meeting statutory dues to government like
payment of income tax, sales tax excise duty etc. This loan is
also considered for developing/expanding new markets and
opening LC for purchase of new equipments till a term loan is
sanctioned and released.
Rehabilitation For Sick Assistance for rehabilitation of potentially viable sick units.
Industrial Units
Assistance To Qualified Assistance for qualified professionals- management, accounting,
Professionals medical architects, engineers, veterinary for setting up of
business enterprises, private practice and consultancy services in
their line of expertise.
A.M.A.R.A (Assistance Assistance to small and medium scale existing units with good
For Marketing Related track record to undertake various activities necessary to increase
Activities their sales in the domestic and foreign markets and to create
physical marketing infrastructure.
Acquisition Of Existing Assistance to existing units with good track record for
Enterprises acquisition of existing assets. (Plant and machinery of reputed

make with minimum of 10 years and industrial/commercial

properties with a minimum of 20 years of residual life.
Small Road Transport Assistance to small road transport operators to meet expenditure
Operators (SRTOs) towards cost of chassis, body building, initial taxes, insurance
etc.
Assistance For Acquiring Assistance to individuals, firms and companies for acquisition of
Private Vehicles vehicles like cars, vans, omni buses, tractors etc.
Acquisition Of ISO 9000 Assistance to existing industrial concerns in the SSI sector
Series Certification having a good track record, to meet expenses on consultancy,
documentation, audit certification fees, equipment and
calibrating instruments required for acquisition of ISO
certification.
Financing Of DG Sets Assistance for acquisition of DG sets/installation and
construction of dg set etc. Assistance for acquisition of
generators for purpose of hiring vehicles, trailers, DG sets and
accessories also available.
Office Automation Assistance to existing units with good track record to acquire
items like PCs, printer, copier, lax machine, telephone etc.
Training Institution Assistance to existing units with successful track record for
setting up in-house training facilities including construction of
building, acquisition of furniture, equipments etc.
CHECK LIST FOR PROSPECTIVE ENTREPRENEURS TO AVAIL FINANCIAL

ASSISTANCE FROM THE CORPORATION
Project Profile seeking information on the project and promoter, details of land, building,
plant and machinery, power, water, marketing, arrangements for working capital, project cost
and means of finance, securities offered etc., needs to be filled in, in addition to the Bio-Data &
Networth Statement as per format.

Assistance will be extended as per the Scheme and Lending Policy guidelines discussing
the sector under which a project falls such as Thrust, Normal, Restricted and Prohibited Sectors,
stipulations on the extent of finance and collateral security to be offered by the promoter will be
duly indicated.
Along with the Project Profile and Bio-data and Networth statements, the promoter is
required to submit copies of the following:
a. Constitutional details – If it is a partnership firm, to submit partnership deed, Form A&C

issued by the Registrar of Firms If it is a Company, to submit the Memorandum & Articles of
Association, list of Directors, their share holding etc.
b. Land details: Title deed, previous deed, land conversion order from the Deputy
Commissioner for non agricultural purpose, layout plan approval from competent authority,
khata, tax paid receipts, EC for 15 years if own land In case of leased premises, submit lease
deed including the special clauses stipulated by the Corporation, proof of title of the owner such
as Khata/tax paid receipt etc.
c.KIADB/KSSIDC – Allotment letter, lease cum sale agreement, possession certificate
d. Building details: Building plan approval from competent authority such as

BDA/BMP/CMC/KIADB/KSSIDC/Local Planning Authority etc., plant layout, detailed civil
estimates, construction permission from local authorities etc.
e. Plant and Machinery – list of plant and machinery proposed with supplier and cost supported
by copies of competitive quotations/proforma invoices.
If the plant and machinery is proposed to be imported – copies of Chartered Engineer's
Certificate to be submitted along with the proforma invoice. The minimum residual life should
be at least 10 years.
f. Marketing arrangements made. Market study duly discussing the demand supply position
and gap there of etc.,if carried out may be submitted. Assurance letters/orders placed to also be
submitted. Focus on backward and forward linkages essential.

g. Collateral securities to be offered as per the lending policy of the Corporation to be

adequately attended. Valuation of assets shall be based on present SR Rates/KIADB/KSSIDC
allotment rates only for land and buildings to be assessed on WDV basis.
(You may also download the formats of both Project Profile and Bio-Data & Networth
Statement by clicking on the links shown above.The Soft Copies of both the documents, duly
filled-in may be sent by email to jayaram@ksfc.in and eg@ksfc.net)
Once the above details are submitted and prima-facie clearances on the documents are
obtained from the legal department of the Corporation, the proposal will be placed before the
Project Clearance Committee Meeting Chaired by the Managing Director with Executive
Directors, General Managers (Credit, North Zone, South Zone), DGM (Credits-I), DGM
(Credits-II), AGM (Legal) and AGM (BDCR) as members and convened by AGM (EG). The
project will be deliberated and interacted with the promoter and once the proposal was found to
be in accordance with the lending policy requirements, in principle clearance will be given on the
spot and loan application form will be issued for the specified amount.
The promoter is to submit the application in two sets with copies of all related documents,
estimates, quotations, affidavit etc., Processing fee of 0.5% and Service Tax of 12.36% on the
processing fee shall be paid while submitting the application. Upon scrutiny of the application
the same will be forwarded to the Credits Department for processing. The Credit Department
with its team of technical, financial, legal and marketing officers interacts with the promoter,
inspects the locations of both primary and collateral securities' properties for valuation. After
processing the proposal as per lending policy norms and reports on technical, financial, legal and
marketing duly discussing the viability/feasibility the case will be placed for sanction by the
competent authorities. Up-front fee of 0.5% shall be paid before disbursement of the sanctioned
loan.
The Corporation has fixed time standards for sanction of loans from 21 days to a maximum of 60
days depending on the type of loan.
The Corporation has delegated powers of sanction by the Committees at various levels

Upto Rs.15 lakhs in the case of 'B' Grade Branches;

Upto Rs.20 lakhs in 'A' Grade Branches
Upto Rs.35 lakhs at Super 'A' Grade Branches and Upto Rs.60 lakhs at the Zonal Level.
Higher amounts than the above will be sanctioned at Head Office.
Limit of accommodation for –a.Proprietary concerns and partnership firms is Rs.2 Crore and
b.Registered companies and registered cooperatives it is Rs.5 Crore.
DISBURSEMENT PROCEDURE
 After the sanction of loan it will bereleased subsequent to the borrower complying with
all the terms and conditions stipulated in the loan sanction letter.
 The first step is execution of necessary legal documents by the borrower with the Legal
department of the Corporation. The borrower needs to make necessary upfront fee and legal
fees, which is linked to the loan amount sanctioned at this stage.
 The borrower has to obtain appropriate licenses/permissions from various statutory
authorities depending upon the type of project as stipulated in the loan sanction letter.
 The borrower has to first bring in his contribution/margin towards the assets being
considered for financing by the Corporation. The loanee has to submit a Chartered
Accountant certificate in a specified format indicating the investments made and the sources
of funds.
 The officers of the Corporation will visit the project site to ascertain the status of project
implementation and also the amount invested in the project.
 Eligible loan releases will be made considering the progress in implementation of project
and also the securities created and after inspection.
 The release towards building is considered after the promoter complying with the first
investment clause. The loan towards building is released in suitable instalments after
inspection.
 If the borrower has already remitted his margin as advance for the acquisition of plant
and machinery and submits required proof, the Corporation will issue commitment letter to
the machinery supplier for the balance eligible loan amount. The committed amount will be

released to the machinery supplier once he supplies the machinery to the satisfaction of the
Corporation and the borrower.
 Similarly in respect of imported machinery, the Corporation facilitates opening of FLC
after ensuring that the borrower complies required formalities.
 The borrower will plough back the releases for creating further assets and he can obtain
additional releases. A provision will be made in the loan amount itself for meeting interest
during implementation. Necessary release and adjustment will be made out of the interest
during implementation provided.
 The process will go on till the borrower avails the release of entire loan amount and
implements the project in total.
 Periodic visits will be made by the officers of the Corporation to ascertain the status of
project implementation and it will be monitored closely till the entire loan amount is released
to the borrower
NON-LIFE INSURANCE
 Corporation has entered into an MOU with IFFCO TOKIO General Insurance Co. for
marketing its non-life insurance policies.
 This would enable the clients of KSFC to have credit and the insurance cover under one
roof. The premium tariffs applicable are same as the other insurance companies and at no
extra service charges. An exclusive Insurance Cell with well-trained staff is in operation at
Head Office and also at all the Branch Offices.
The details of the general perils covered are :

1. Fire
2. Earth quake
3. Burglary
4. Machinery breakdown
5. Marine
6. Cash safe/transit
7. Fidelity guarantee
8. Household insurance

9. Personal accident cover

10. Medical insurance
11. Vehicle insurance
12. Bankes indemnity
13. Trade and office
14. Electronic equipment
LIFE INSURANCE
KSFC has entered into strategic alliance with Life Insurance Corporation of India, the largest
and the oldest Life Insurance Company of the country, to market its Life Insurance products.
The Corporation will help the customers in identifying the tailor made policies suitable for
their future financial needs and extend professional service from procurement of policies to
settlement of claims/payment on maturity to the customers. The clients of KSFC can avail the
group gratuity insurance scheme also for the welfare of their employees through Corporation.
The services are available at no extra cost and at Head Office and at all the branches of the
Corporation situated in the district head quarters. The Corporation believes that life insurance
is not only an investment decision but also a risk protection. The key persons of the ventures
who have availed the loans from KSFC can avail special policies to protect against the risk of
burden of debt in case of happening of any unfortunate event to the key person.
KSFC has well trained staff for servicing the clients of life insurance at Head Office as well
as at all the branches
UTI MUTUAL FUND PRODUCTS

KSFC has entered into MOU with UTI MF for distributing UTI MF products. UTI Mutual
Fund is one of the leading Mutual Fund in the country. It has got more than Rs.1,35,000
crores worth of assets under its management. It has got more than 40 schemes to offer, suitable
for short term and long term investments in the category of debt funds, balance funds and equity
linked schemes. The individuals, co-operative societies, private limited companies, charitable

trusts and PF trusts, co-operative banks can invest their invesitable surplus in the UTI Mutual
Fund products.
The Corporation has got professionally trained persons to guide in the investment process of
UTI Mutual Fund at Head Office and Branch Offices. The service carries no extra charges.
MONITORING AGENCY
As per SEBI guidelines any company which is issuing more than Rs.500 crore shares for
subscription by the publicy, has to appoint a monitoring agency. KSFC is a notified agency for
this. The work involves inspection of the books of accounts and physical assets of the company
every six months, until the completion of the project to verify and certify that the proceeds of the
issue are utilised towards the objects of the issue declared in the prospectus. The companies
planning to issue IPOs can utilise the services of Corporation for Monitoring Agency
assignment as per SEBI guidelines.

Chapter 7 - Institutional Support

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Chapter 7 - Institutional Support

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Management And Entrepreneurship

Management and Entrepreneurship-06AL51

Unit VII: Institutional Support

2 Karnataka Industrial Areas Development Board (KIADB) 8-18

Karnataka State Small Industries Development

4 Micro, Small and Medium Enterprises or SISI 33-36

5 Small Industries Development Bank Of India(SIDBI) 37-50

Karnataka State Finance Corporation (KSFC)

R.V.College of Engineering, Bangalore 1

TECHNICAL CONSULTANCY SERVICES ORGANISATION OF

Technical Consultancy Services Organisation of Karnataka (TECSOK), is a multidisciplinary

TECSOK is a multidisciplinary management consultancy organization promoted by the

The TECSOK consultancy is driven by top-notch professionals from different disciplines;

R.V.College of Engineering, Bangalore 2

What TECSOK can do for you

R.V.College of Engineering, Bangalore 3

• Infrastructure development project reports.

MAJOR PROJECTS HANDLED An Enviable Track Record:

A. Project Conceptualization & Monitoring

B. Viability Report for Infrastructure Development

C. Potential Studies / Techno-Economic Surveys

R.V.College of Engineering, Bangalore 4

E. Evaluation of Impact Assessment

F. Policy, Prospective Plans & special studies

R.V.College of Engineering, Bangalore 5

R.V.College of Engineering, Bangalore 6

The areas of specialization of these consultants include:

Contact Us Chief Adviser & CEO

R.V.College of Engineering, Bangalore 7

R.V.College of Engineering, Bangalore 8

Karnataka Industrial Areas Development Board (KIADB)

Karnataka Industrial Areas Development Board (KIADB) is a wholly owned infrastructure

Aims and Objectives :

KIADB - as a premier industrial area developer

R.V.College of Engineering, Bangalore 9

We promote projects of public importance in joint venture with organizations of international

Infrastructures in Industrial Area

Some of the projects of KIADB executed with high degree of professionalism:

R.V.College of Engineering, Bangalore 10

Functional units of KIADB :-

R.V.College of Engineering, Bangalore 11

FAQs about KIADB

1. Are you a government Organisation ?

2. Do we have to come many times over to follow up requests in KIADB?

3. Are you online ?

4. Are your land prices realistic ?

5. Whom to approach in KIADB for information ?.

R.V.College of Engineering, Bangalore 12

7. Whom to contact outside Bangalore for information ?

8. Do we have to buy land only in existing Industrial areas ?

9. What is meant my Single Unit Complex (SUC) ?

11. How long it takes to complete allotment procedure ?

R.V.College of Engineering, Bangalore 13

12. How soon do we get possession of land ?

13. What FAR (Floor Area Ratio) is permitted ?

14. How long is the lease period? and why ?

15. Do we ever get freehold of land with sale deed document ?

16. Can we pay land price in installment ?

R.V.College of Engineering, Bangalore 14

17. Who allots the land for us ?

Medium and large scale industries

Large Scale Industries

18. Do we have to pay any annual maintenance charges ?