KSUM - Handbook2021 RGB

Introduction
The Schemes compiled in this handbook is meant for

the use of Startup,SMEs,MSMEs, Research Institutions
and Incubators. These schemes for entrepreneurs
have been introduced over a period of time by vari-
ous Ministries and agencies of Government of India.
But most of the entrepreneurs are either not aware
of these different schemes or lack clarity about the
application process.
Kerala Startup Mission, the apex agency for innova-

tion and entrepreneurship in the State of Kerala have
compiled and curated an exhaustive list of schemes
with the details launched by the Government of India
to support Startups, SMES, MSMES, Incubators,
Research Institutes etc. The schemes compiled in this
handbook ranges from focused technology verticals
to research and innovation and more. Though utmost
care was taken while compiling the schemes, KSUM is
not liable, if any of the schemes are unavailable or
information provided is inaccurate. KSUM advices
users of this handbook to visit the respective website
to get details about the schemes
Content
Startup Scheme
Startup Scheme 1 ............................................................................................................. 11
Multiplier Grants Scheme (MGS)
Startup Scheme 2 ............................................................................................................. 12

Modified Special Incentive Package Scheme (M-SIPS)
Startup Scheme 3 ............................................................................................................. 13

Support for International Patent Protection in Electronics & Information Technology
Startup Scheme 4 .............................................................................................................. 14

Technology Incubation and Development of Entrepreneurs (TIDE)
Startup Scheme 5 ............................................................................................................. 15

Aspire – Scheme for promotion of innovation, entrepreneurship, and agro-industry
Startup Scheme 6 ............................................................................................................. 16

Atal Incubation Centres (AIC)
Startup Scheme 7 ............................................................................................................. 17

4E (End to End Energy Efficiency)
Startup Scheme 8 ............................................................................................................. 18

Industry Innovation Programme on Medical Electronics (IIPME)
Startup Scheme 9 ............................................................................................................. 19

SPARSH (Social Innovation programme for Products: Affordable & Relevant to Societal Health)
Startup Scheme 10 ............................................................................................................. 21

Promoting Innovations in Individuals, Startups and MSMEs (PRISM)
Startup Scheme 11 ............................................................................................................. 22

Stree Shakti Package for Women Entrepreneurs
Incubator Scheme
Incubator Scheme 1 ........................................................................................................... 24
Incubator Scheme 2 ........................................................................................................... 25
Technology Incubation and Development of Entrepreneurs (TIDE)
Incubator Scheme 3 ........................................................................................................ 26


Scale-up Support to Establishing Incubation Centres



Biotechnology Ignition Grant (BIG)
Student Scheme
Student Scheme 1 ........................................................................................................... 34
PhD Scheme
Student Scheme 2 ............................................................................................................. 34

A Scheme for promoting Innovation, Rural Industry & Entrepreneurship (ASPIRE)
Student Scheme 3 .............................................................................................................. 36

Entrepreneurial and Managerial Development of SMEs through Incubators
Student Scheme 4 ........................................................................................................... 37

Enabling Manufacturing Sector to be Competitive through QMS&QTT
Student Scheme 5 ........................................................................................................... 38

Student Scheme 6 ........................................................................................................... 39

Atal Tinkering Laboratories (ATL)
Student Scheme 7 ........................................................................................................... 40
Assistance to Professional Bodies & Seminars/Symposia
Student Scheme 8 ............................................................................................................ 41

Ayurvedic Biology Program
Student Scheme 10 ......................................................................................................... 42

Industry Relevant R&D
Student Scheme 11 ......................................................................................................... 43

High Risk-High Reward Research
Student Scheme 12 ......................................................................................................... 44

Technology Development Programme (TDP)
Student Scheme 13 ......................................................................................................... 45

National Science & Technology Management Information System (NSTMIS)
Student Scheme 14 ......................................................................................................... 46

Extra Mural Research Funding
Student Scheme 15 ......................................................................................................... 47

Student Scheme 16 ......................................................................................................... 49

Student Scheme 16 ......................................................................................................... 50

Science and Technology of Yoga and Meditation (SATYAM)
Student Scheme 17 ......................................................................................................... 50

Rapid Grant for Young Investigator (RGYI)
Student Scheme 18 ......................................................................................................... 51

NewGen Innovation and Entrepreneurship Development Centre (NewGen IEDC)
Student Scheme 19 ......................................................................................................... 52
The Venture Capital Assistance Scheme
Student Scheme 20 ......................................................................................................... 54

Cent Kaylani Scheme
Student Scheme 21 ......................................................................................................... 55

Recognition of Scientific And Industrial Research Organizations (SIROs)
Student Scheme 22 ......................................................................................................... 56

Public Funded Research Institutions
Student Scheme 23 ......................................................................................................... 57

Patent Acquisition and Collaborative Research and Technology Development (PACE)
MSME Scheme
MSME Scheme 1 .............................................................................................................. 60
Support for International Patent Protection in Electronics & Information Technology
MSME Scheme 2 .............................................................................................................. 61

Credit Guarantee
MSME Scheme 3 .............................................................................................................. 62

Performance & Credit Rating Scheme
MSME Scheme 4 .............................................................................................................. 63

Raw Material Assistance
MSME Scheme 5 .............................................................................................................. 64

Single Point Registration Scheme (SPRS)
MSME Scheme 6 .............................................................................................................. 65

Infrastructure Development Scheme
MSME Scheme 7 .................................................................................................................. 66
Bank Credit Facilitation Scheme
MSME Scheme 8 .................................................................................................................. 66

MSME Scheme 9 .................................................................................................................. 68

MSME Market Development Assistance
MSME Scheme 10 ................................................................................................................ 69

National Awards (Individual MSEs)
MSME Scheme 11 ................................................................................................................ 70

International Cooperation (IC) Scheme
MSME Scheme 12 ................................................................................................................ 71

Credit Linked Capital Subsidy for Technology Upgradation
MSME Scheme 13 ................................................................................................................ 72

Financial Support to MSMEs in ZED Certification Scheme
MSME Scheme 14 ................................................................................................................ 74

Credit Linked Capital Subsidy for Technology Upgradation (CLCSS)
MSME Scheme 15 ................................................................................................................ 75

Marketing Support/Assistance to MSMEs (Bar Code)
MSME Scheme 16 ................................................................................................................ 75

Lean Manufacturing Competitiveness for MSMEs
MSME Scheme 17 ................................................................................................................ 76

Design Clinic for Design Expertise to MSMEs
MSME Scheme 18 ................................................................................................................ 77

Technology and Quality Upgradation Support to MSMEs
MSME Scheme 19 ................................................................................................................ 79
Building Awareness on Intellectual Property Rights (IPR)
MSME Scheme 20 ................................................................................................................ 80

International Cooperation
MSME Scheme 21 ................................................................................................................ 81

Marketing Assistance Scheme
MSME Scheme 22 ................................................................................................................ 82

Procurement and Marketing Support Scheme (P&MS)
MSME Scheme 23 ................................................................................................................ 83

4E (End to End Energy Efficiency)
MSME Scheme 24 ................................................................................................................ 84

Pradhan Mantri Mudra Yojana (PMMY)
MSME Scheme 25 ................................................................................................................ 85

Stand Up India
MSME Scheme 26 ................................................................................................................ 86

SIDBI Make in India Soft Loan Fund for Micro Small and Medium Enterprises (SMILE)
MSME Scheme 27 ................................................................................................................ 87

Growth Capital and Equity Assistance
MSME Scheme 28 ................................................................................................................ 88

Biotechnology Industry Partnership Programme (BIPP)
MSME Scheme 29 ................................................................................................................ 89

MSME Scheme 30 ................................................................................................................ 90

Orient Mahila Vikas Yojana Scheme
MSME Scheme 31 ................................................................................................................ 91
Bharatiya Mahila Bank Business Loan
MSME Scheme 32 ................................................................................................................ 92

Recognition and Registration of In-house R&D units of Corporate Industries
MSME Scheme 33 ................................................................................................................ 95

Fiscal Incentives for scientific research
MSME Scheme 34 ................................................................................................................ 96

Patent Acquisition and Collaborative Research and Technology Development (PACE)
MSME Scheme 35 ................................................................................................................ 97

Access to Knowledge for Technology Development and Dissemination (A2K+)
Overview: The scheme aims to support IPR awareness workshops/seminars for

sensitising and disseminating awareness about Intellectual Property Rights
among various stakeholders especially in the E&IT sector. It also aims to provide
financial support to MSMEs and technology start-up units for international
patent filing to encourage innovation and recognise the value and capabilities
of global IP along with capturing growth opportunities in the ICTE sector. The
MGS also aims to encourage collaborative R&D between industry and academ-
ics/R&D institutions for development of products and
packages.
Industry Applicable: IT Services, analytics, enterprise software, technology

hardware, Internet of Things, AI.
Eligibility: Startups, incubator/academia/accelerators. Should have projects in

electronics & information technology.
Quantum of Assistance: Reimbursement will be limited to a total of INR 15

Lakhs per invention or 50% of the total expenses incurred in filing and process-
ing of the patent application upto grant, whichever is lesser. Majorly provides
capital subsidy of 20% in Special economic zone (25% in non-SEZ) for units
engaged in electronics manufacturing. Limited to a maximum of INR 2 Cr per
project and the duration of each project should, preferably, be less than two
years. For industry consortiums these figures would be INR 4
Cr and three years.
Time Period: 2-3 years.
For more details,

Visit : http://meity.gov.in/content/multiplier-grants-scheme
11
Modified Special Incentive Package Scheme (M-SIPS)
Overview: The scheme aims to support IPR (Intellectual Property Rights)

awareness workshops/seminars for sensitising and disseminating awareness
about Intellectual Property Rights among various stakeholders especially in
the E&IT sector.

hardware, Internet of Things, AI, nanotechnology.
Eligibility: Start-ups in electronic manufacturing.
Quantum of Assistance: This scheme a capital subsidy of 20% in SEZ (25%

in non-SEZ) for units engaged in electronics manufacturing. It also provides for
reimbursements of CVD/ excise for capital equipment for the non-SEZ units.
For some of the high capital investment projects like the scheme provides for
Central Taxes and Duties reimbursement of Central Taxes and Duties. Majorly
provides capital subsidy of 20% in SEZ (25% in non-SEZ) for units engaged in
electronics manufacturing.
Time Period: The scheme is valid upto 30.11.2019.
For more details,

Visit : http://www.ict-ipr.in/sipeit/IPRForm
12
Support for International Patent Protection in Electronics &
Information Technology
Overview: Ministry of Electronics and Information Technology has launched a
scheme, Support for International Patent Protection in E&IT to provide financial
support to MSMEs and Technology Startup units for international patent filing-
to encourage innovation and recognize the value and capabilities of global IP
along with capturing growth opportunities in ICTE sector. In addition, to sensi-
tize and create IP awareness and to disseminate the scheme among stakehold-
ers, a scheme to support IPR awareness is also proposed as the second compo-
nent of the scheme.
SIP EIT II comprises of two schemes:

1. Support for International Patent Protection in E&IT In order to encourage
filing of International Patents, a Scheme Support International Patent Protec-
tion in Electronics & IT (SIP-EIT) has been put in place. The Scheme Supports
International Patent Protection in Electronics & IT by SMEs (Small and Medium
Enterprises) and Technology Start-Up Companies.
2. Scheme to Support IPR Awareness Seminars/Workshops in E&IT Sector Under

the scheme, Meity aims to provide financial support to Education Institutes,
Meity societies, etc. for organizing seminars & workshops on IPR awareness
among various stakeholders
For more details,

Visit : http://www.ict-ipr.in/sipeit/login
13
Technology Incubation and Development of Entrepreneurs
(TIDE)
Title of the Scheme: Technology Incubation and Development of Entrepre-
-
neurs (TIDE) in the areas of Electronics and ICT.
Aim: Technological Incubation and Development of Entrepreneurs (TIDE) aims

to assist Institutions of Higher learning to strengthen their Technology Incuba-
tion Centres and thus enable young entrepreneurs to initiate technology start-
up companies for commercial exploitation of technologies developed by them.
Eligibility: The project proposals for TIDE would be invited (as per the
enclosed format) from institutions of higher learning conducting education
Programmes of M. Tech/PhD in Engineering and Technology in ICT, Electronics
-
and Management. These include institutions such as IITs, IIMs, NITs, IIITs and
other premier institutes. The invitation would also be published on the DeitY
website.
Quantum of assistance: Each TIDE center would be given financial support

as Grant-in-aid of up to Rs 155 lakhs – payable in instalments. These funds can
be used for improvement in infrastructure - up to Rs. 30 lakhs and for providing
financial support to the incubating companies – Rs 125 Lakhs (@ Rs 25 lakhs per
company). The grants under the proposed scheme would be subject to the
enclosed terms & conditions. DeitY would constitute a Project Review and -
Steering Group (PRSG) for the Scheme. Release of funds to the HI/ TIDE will be
done based on the recommendations of PRSG.
-
For more details,
visit : https://meity.gov.in/content/technology-incubation-and-devel-
opment-entrepreneurs
14
Aspire – Scheme for promotion of Innovation,
Entrepreneurship, & Agro-industry
Agency: Steering Committee, Ministry of MSME
Overview: Aspire has been launched with an objective to set up a network of

technology centres, incubation centres to accelerate entrepreneurship and
also to promote startups for innovation and entrepreneurship in rural and agri-
culture-based industry. It also includes the setting up of Technology Business
Incubators (TBIs). As per the June 2017 status report of Startup India Action
Plan, 15 TBIs are being set up. 11 TBIs have been approved and four others are
in advanced stages. Six Technical Business Incubators are in advanced stages
of approval by DST. INR 34.92 Cr has been sanctioned and INR 15.3 Cr has been
already disbursed to nine TBIs.
Industry Applicable: Agriculture, pets & animals, social impact, healthcare

& life sciences
Eligibility: All MSMEs with an Entrepreneurs Memorandum (EM) registration.
Quantum of Assistance:
>One-time grant of 50% of the cost of Plant & Machinery excluding the land
and infrastructure or an amount up to INR 30 Lakhs, whichever is less to be pro-
vided for supporting 20 existing incubation centres.
> One-time grant of 50% of the cost of Plant & Machinery excluding the land
and infrastructure or an amount up to INR 100 Lakhs, whichever is less to be
provided for setting up of new incubation centres.
> Support would be provided for incubation of ideas at the inception stage,
each idea would be provided financial support @INR 3 Lakhs per idea to be paid
up front to the incubator to nurture the idea, with a target to support 450
ideas.
15
>A one-time grant of INR 1 Cr will be provided to the eligible incubator as Seed
Capital. The Incubator will invest as Debt/ Equity funding upto 50% of total
project cost or INR 20 Lakhs per startup, whichever is less. 150 such innovative
and successful ideas to be supported.
> INR 200 Lakhs for Accelerators to hold 10 workshops for incubates [out of the
existing centres supported and new centres set up] to assist for creating suc-
cessful business enterprises. Plans to conduct 10 such workshops.
Time Period: Period of incubation to be 12 months to 24 months.
For more details,

Visit : https://www.startupindia.gov.in/content/sih/en/govern-
ment-schemes/aspire-scheme-promotion-innovation-entrepreneurship-and-a
gro-industry.html

Overview: AICs aim to support and encourage startups to become successful
enterprises. They will provide necessary and adequate infrastructure along
with high-quality assistance or services to startups in their early stages of
growth. As per June 16, 2017, Startup India Action Plan status report, NITI
Aayog has approved 10 institutes to establish new incubators with a grant of
INR 10 Cr each.
Industry Applicable: Chemicals, technology hardware, healthcare & life

sciences, aeronautics/aerospace & defence, agriculture, AI, AR/VR (augmented
+ virtual reality), automotive, telecommunication & networking, computer
vision, construction, design, non-renewable energy, renewable energy, green
technology, fintech, Internet of Things, nanotechnology, social impact, food &
beverages, pets & animals, textiles & apparel.
16
Eligibility: AICs can be established in public/private/public-private partner-
ship mode. These can be established in: Academia – includes higher educa-
tional institutes and R&D institutions. Non-academic – includes companies/
corporates/ technology parks / industrial parks/ any individual/ group of indi-
viduals.
Quantum of Assistance: AIM will provide a grant-in-aid of INR 10 Cr to each

AIC for a maximum of five years to cover the capital and operational expendi-
ture cost in running the centre. The applicant would have to provide a built-up
space of at least 10,000 sq. ft to qualify for the financial support.
Time Period: N/A
For more details,

Visit : https://aim.gov.in/atal-new-india-challenge.php
4E (End to End Energy Efficiency)

Overview: The scheme has been launched jointly by India SME Technology
Services Ltd. (ISTSL) in association with the World Bank. The main objective is
to implement energy efficiency measures on an end-to-end basis. For meeting
part costs of (i) capital expenditure including for the purchase of equip-
ment/machinery, installation, civil works, commissioning, etc. (ii) Any other
related expenditure required by the unit, provided it is not more than 50% of
(i). The scheme by the Indian government, also, it aims to help startups finance
second-hand machinery/equipment for use.
Industry Applicable: Sector-agnostic
-
17
Eligibility: MSME units in the manufacturing or services sector which are in
operation for at least three years and have earned cash profit in the last two
years of operation are eligible. The startup should not be in default to any
bank/FI. The unit should have undergone a process of Detailed Energy Audit
(DEA) through a technical agency/consultants having BEE certified Energy Audi-
tors. Furthermore, the Detailed Project Report (DPR) prepared by the technical
agency/consultant should have been vetted by the EEC, SIDBI. Also, the unit
should not have availed a Performance Linked Grant under the WB-GEF Project
for the proposed EE Project and should be in compliance with the Environment
& Social Management Framework.
Quantum of Assistance: Under the 4E scheme, the MSME unit has to pay
only INR 30,000 and applicable taxes and the balance fee will be paid by SIDBI
to auditors. Up to 90% of the project cost with minimum loan amount of INR 10
Lakhs and maximum loan amount not to exceed INR 150 Lakhs per eligible bor-
rower can be granted under this scheme. Eligible loan amount should not
exceed one-fifth of the total turnover of the applicant unit. Also, the repayment
period including initial moratorium period of up to six months, shall not be
more than 36 months for loans up to INR 100 Lakhs and 60 months for loans
beyond INR 100 Lakhs.
Time Period: N/A
Industry Innovation Programme on Medical Electronics

(IIPME)
Agency: Biotechnology Industry Research Assistance Council (BIRAC)
Overview: BIRAC aims to promote and foster cutting-edge technologies in the

field of medical electronics through this scheme. The project IIPME is a partner-
ship project between the Department of Electronics and Information Technolo-
gy, Ministry of Communications and Information Technology, Government of
India, and Biotechnology Industry Research Assistance Council, a public sector
undertaking of the Department of Biotechnology, Ministry of Science and Tech-
nology, Government of India.
18
Industry Applicable: Healthcare & life sciences
Eligibility: Indian startups which are less than three years old from date of
advertisement which have 51% ownership, Indian LLPs and those which have
Department of Scientific and Industrial Research (DSIR) Recognition (only for
early transition & transition to scale) are eligible to apply under the scheme.
Quantum of Assistance: The loan and grant are provided according to the
startup stage. The Seed Grant (Idea to PoC) is INR 50 Lakhs for 18 months, early
transitions funding include INR 100 Lakhs for 24 months and for those transi-
tioning to scale, a mix of grant & loan for 24 Months is provided.
Time Period: The call for application is made three times a year, with evalua-
tion cycle starting from July 10, November 10, & March 10 in the specified order
For more details,
Visit : http://www.birac.nic.in/desc_new.php?id=199
SPARSH (Social Innovation programme for Products:

Affordable & Relevant to Societal Health)
Agency: BIRAC
Overview: The scheme intends to create a pool of social innovators in the bio-
tech arena who will identify specific needs and gaps in health care. The social
innovators will be provided financial and technical support for developing mar-
ket-based solutions that have potential to bring cost effective health care
breakthroughs to vulnerable populations in particular
Eligibility: : If at idea and PoC stage:

19
> Biotechnology Indian startups should be incorporated under the Indian Com-
panies Act and have a minimum of 51% Indian Ownership. Plus, they should be
less than three years old as on the date of advertisement/ Indian entrepreneurs
(Indian citizen willing to form a Company as per Indian Law).
> Limited Liability Partnership (LLP) should be incorporated under the Limited
Liability Partnership Act, 2008. Plus, it should be less than three years old as on
the date of advertisement, having a minimum half of the persons who sub-
scribed their names to the LLP document as its Partners should be Indian citi-
zens.
> Indian academic scientists, researchers, PhDs, medical degree holders, bio-
medical engineering graduates (who must be willing to incubate in a business
incubator).
>Proprietorship concern established by an Indian citizen and a Certificate/li-

cense should be issued by the municipal authorities/ under the Shop & Estab-
lishment Act /under other relevant statutes.
> No DSIR certification is required.
If at Proof of Concept to Validation stage:
> Companies incorporated under the Indian Companies Act having a minimum
of 51% Indian ownership.
> DSIR recognition
>Limited Liability Partnership (LLP) incorporated under the Limited Liability

Partnership Act, 2008
> Indian institution/ universities/ public research organisation who can become
co‐applicants along with the company/LLP as main applicant established in
India and having NAAC/ UGC/ AICTE or any equivalent recognition certificate.
– Partnership firms/society/ Trust/ NGO/ foundation/ association established in

India under the relevant Indian Law, having at least half of the stakeholders
(partners/ trustees/ members/ associates etc) as Indians.
20
Furthermore, access to Innovative Pilot Scale Delivery Models is provided only
to:
>DSIR recognition.
>The product should have gained necessary approvals from the concerned reg-
ulatory authority (‐ies) for pilot studies.
>It is desirous that the projects show partnership or a consortium of product/-
service innovator Company, an implementer/deployer (research foundations,
Section 25 companies etc) and clinical partner(s). Any such partner for execu-
tion/ implementation can become a co‐Applicant in the proposal.
Quantum of Assistance: For startups at the idea to proof of concept (PoC)

stage, grant‐in‐aid up to INR 50 Lakhs for a period up to 18 months is available.
For those at the proof of concept to validation stage, the amount remains the
same but the time period increases to 24 months. In the case of access to Inno-
vative Pilot Scale Delivery Models – grant‐in‐aid for a period up to 24 months is
provided. The project cost sanctioned for the company would be matched
equally by BIRAC and the company.
For more details,

Visit : http://birac.nic.in/webcontent/Sparsh_Guidelines_Ver4.pdf
Promoting Innovations in Individuals, Startups and MSMEs

(PRISM)
Agency: Council of Scientific & Industrial Research.
Industry Applicable: The scheme provides grants, technical guidance and

mentoring to individual innovators by incubating their idea towards the crea-
tion of new enterprises in phases. It also provides grant-in-aid support to tech-
nology solution providers developing technology solutions aimed at helping
MSME cluster.
Eligibility: The scheme runs in two phases. For PRISM I, any Indian citizen
including student innovators can apply. For PRISM II, PRISM innovators or innova-
tors who have successfully demonstrated proof of concept with the support of
government institution/agency; PRISM-R&D proposals and public funded – R&D
institutes/ autonomous institutions/ laboratories/ academic institutes etc. are
eligible.
21
Quantum of assistance:
>PRISM Phase-I Category-I: For proof of concept/prototype/models, with pro-
ject cost upto INR 5 Lakhs, a maximum of INR 2 Lakhs or 90% of the total project
cost (whichever is less) is provided.
> PRISM Phase-I, Category-II: For fabrication of working model/ process
know-how/testing & trail/ patenting/ technology transfer, etc. with a project
costing between INR 5 Lakhs to INR 35 Lakhs, a maximum of INR 20 Lakhs or 90%
of the total project cost (whichever is less) is given.
>Prism-Phase-II: Enterprise incubation, with a project costing between INR 35
Lakhs and INR 100 Lakhs, up to INR 50 Lakh limited to 50% of the total project
cost is provided.
> For PRISM-R&D Proposals, up to INR 50 Lakhs limited to 50% of the total pro-
ject cost is given.
For more details,

visit : https://www.startupindia.gov.in/content/sih/en/govern-
ment-schemes/promoting-innovations-MSME.html
Stree Shakti Package for Women Entrepreneurs

Agency: State bank of India
Overview: The Stree Shakti Package is a unique SBI-run scheme to support

entrepreneurship among women by providing certain concessions.
Eligibility: This scheme is Eligibility women who have majority ownership

(over 50 percent) in a small business. Another requirement is that these entre-
preneurs have to be enrolled in the Entrepreneurship Development Pro-
grammes (EDP) organised by their respective state agency.
Quantum of assistance: This scheme allows women to avail an interest con-

cession of 0.05 percent on loans exceeding ₹2 lakh. No security is required for
loans up to ₹5 lakh in case of tiny sector units.
Visit : https://savvywomen.tomorrowmakers.com/wise/govern-
ment-schemes-can-help-women-entrepreneurs-india-grow-their-small-busines
ses-article
22
Multiplier Grants
Promoting Scheme
Innovations in (MGS)
Individuals, Startups and MSMEs
(PRISM)
Overview: The scheme aims to support IPR awareness workshops/seminars
for sensitising and disseminating awareness about Intellectual Property Rights
among various stakeholders especially in the E&IT sector. It also aims to pro-
vide financial support to MSMEs and technology start-up units for international
patent filing to encourage innovation and recognise the value and capabilities
of global IP along with capturing growth opportunities in the ICTE sector. The
MGS also aims to encourage collaborative R&D between industry and academ-
ics/R&D institutions for development of products and packages.

hardware, Internet of Things, AI.
Eligibility: Startups, incubator/academia/accelerators. Should have projects

in electronics & information technology.
Quantum of assistance: Reimbursement will be limited to a total of INR 15

Lakhs per invention or 50% of the total expenses incurred in filing and process-
ing of the patent application upto grant, whichever is lesser. Majorly provides
capital subsidy of 20% in Special economic zone (25% in non-SEZ) for units
engaged in electronics manufacturing. Limited to a maximum of INR 2 Cr per
project and the duration of each project should, preferably, be less than two
years. For industry consortiums these figures would be INR 4 Cr and three
years.
Time Period: 2-3 years
For more details,

visit : http://meity.gov.in/content/multiplier-grants-scheme
24
Technology Incubation and Development of Entrepreneurs
(TIDE)
Title of the Scheme: Technology Incubation and Development of Entrepre-
neurs (TIDE) in the areas of Electronics and ICT.
Aim: Technological Incubation and Development of Entrepreneurs (TIDE) aims

to assist Institutions of Higher learning to strengthen their Technology Incuba-
tion Centres and thus enable young entrepreneurs to initiate technology start-
up companies for commercial exploitation of technologies developed by them.
Eligibility: The project proposals for TIDE would be invited (as per the
enclosed format) from institutions of higher learning conducting education
Programmes of M. Tech/PhD in Engineering and Technology in ICT, Electronics
and Management. These include institutions such as IITs, IIMs, NITs, IIITs and
other premier institutes. The invitation would also be published on the DeitY
website
Quantum of assistance: Each TIDE center would be given financial support

as Grant-in-aid of up to Rs 155 lakhs – payable in instalments. These funds can
be used for improvement in infrastructure - up to Rs. 30 lakhs and for providing
financial support to the incubating companies – Rs 125 Lakhs (@ Rs 25 lakhs per
company). The grants under the proposed scheme would be subject to the
enclosed terms & conditions. DeitY would constitute a Project Review and
Steering Group (PRSG) for the Scheme. Release of funds to the HI/ TIDE will be
done based on the recommendations of PRSG.
For more details,

visit : https://meity.gov.in/content/technology-incubation-and-devel-
opment-entrepreneurs
25
Aspire – Scheme for promotion of Innovation,
Entrepreneurship, & Agro-industry
Overview: Aspire has been launched with an objective to set up a network of

technology centres, incubation centres to accelerate entrepreneurship and
also to promote startups for innovation and entrepreneurship in rural and agri-
culture-based industry. It also includes the setting up of Technology Business
Incubators (TBIs). As per the June 2017 status report of Startup India Action
Plan, 15 TBIs are being set up. 11 TBIs have been approved and four others are
in advanced stages. Six Technical Business Incubators are in advanced stages
of approval by DST. INR 34.92 Cr has been sanctioned and INR 15.3 Cr has been
already disbursed to nine TBIs.

& life sciences
>One-time grant of 50% of the cost of Plant & Machinery excluding the land
and infrastructure or an amount up to INR 30 Lakhs, whichever is less to be pro-
vided for supporting 20 existing incubation centres.
> One-time grant of 50% of the cost of Plant & Machinery excluding the land
> Support would be provided for incubation of ideas at the inception stage,
each idea would be provided financial support @INR 3 Lakhs per idea to be paid
up front to the incubator to nurture the idea, with a target to support 450
ideas.
26
>A one-time grant of INR 1 Cr will be provided to the eligible incubator as Seed
> INR 200 Lakhs for Accelerators to hold 10 workshops for incubates [out of the
For more details,

Visit : https://www.startupindia.gov.in/content/sih/en/govern-
ment-schemes/aspire-scheme-promotion-innovation-entrepreneurship-and-a
gro-industry.html
Scale-up Support to Establishing Incubation Centres

Overview: This startup scheme envisages to augment the capacity of the
Established Incubation Centres in the country. It will provide financial scale-up
support to enable Established Incubation Centres. The scheme would radically
transform the startup ecosystem in the country by upgrading the Established
Incubation Centres to world-class standards.

Beverages, pets & animals, textiles & apparel.
27
Eligibility: The startup should be a legal entity registered in India as a public,
private, or public-private partnership and must be in operation for a minimum
of three years.
Quantum of Assistance: Grant-in-aid support of INR 10 Cr will be provided

in two annual instalments of INR 5 Cr each.
Time Period: N/A
For more details,

visit : https://niti.gov.in/content/scale-support-established-incuba-
tion-centres

Agency: BIRAC
Overview: The scheme intends to create a pool of social innovators in the bio-
tech arena who will identify specific needs and gaps in health care. The social
innovators will be provided financial and technical support for developing mar-
ket-based solutions that have potential to bring cost effective health care
breakthroughs to vulnerable populations in particular
Eligibility: : If at idea and PoC stage:
> Biotechnology Indian startups should be incorporated under the Indian Com-
panies Act and have a minimum of 51% Indian Ownership. Plus, they should be
less than three years old as on the date of advertisement/ Indian entrepreneurs
(Indian citizen willing to form a Company as per Indian Law).
28
zens.
incubator).

> DSIR recognition
>Limited Liability Partnership (LLP) incorporated under the Limited Liability

Partnership Act, 2008
> Indian institution/ universities/ public research organisation who can become
co‐applicants along with the company/LLP as main applicant established in
India and having NAAC/ UGC/ AICTE or any equivalent recognition certificate.
– Partnership firms/society/ Trust/ NGO/ foundation/ association established in

29
to:
>DSIR recognition.
>The product should have gained necessary approvals from the concerned reg-
ulatory authority (‐ies) for pilot studies.

For more details,

30
(PRISM)
Agency: Council of Scientific & Industrial Research.
Overview: The scheme provides grants, technical guidance and mentoring to

individual innovators by incubating their idea towards the creation of new
enterprises in phases. It also provides grant-in-aid support to technology solu-
tion providers developing technology solutions aimed at helping MSME clus-
ter.
including student innovators can apply. For PRISM II, PRISM innovators or inno-
vators who have successfully demonstrated proof of concept with the support
of government institution/agency; PRISM-R&D proposals and public funded –
R&D institutes/ autonomous institutions/ laboratories/ academic institutes etc.
are eligible.

costing between INR 5 Lakhs to INR 35 Lakhs, a maximum of INR 20 Lakhs or
90% of the total project cost (whichever is less) is given.

cost is provided.
ject cost is given.
For more details,

visit : https://www.startupindia.gov.in/content/sih/en/govern-
31
Biotechnology Ignition Grant (BIG)
Agency: Biotechnology Industry Research Assistance Council (BIRAC)
Overview: This scheme aims to support those ideas which have an unmet
need for funding and mentorship. It promotes basically the technology ideas
relating to medical/health biotechnology, biopharma and medical devices/bi-
omaterials/diagnostics, agro, biotechnology and animal/marine biotechnolo-
gy, industrial/ environmental biotechnology and biomass value addition via
biotechnology, biotechnology-based services/reagents/supplies, bioinformat-
ics and bio-IT interface etc
Eligibility: The Applicant should be an Indian citizen and has to be physically

incubated in an incubator and produce a recommendation. They must provide
termination for full-time association of project. Applicants from non-profit/re-
search organisation need to furnish an NOC. The Promoter/shareholder of any
LLP is not eligible.
Up to INR 50 Lakhs for research projects with a commercialisation potential
with duration of up to 18 months are provided.
Time Period: N/A
For more details,

Visit : http://www.birac.nic.in/big.php.
32
PhD Scheme
Visvesvaraya PhD Scheme for Electronics & IT Ministry of Electronics and Infor-
mation Technology, Government of India initiated “Visvesvaraya PhD Scheme
for Electronics and IT” with an objective to enhance the number of PhDs in
Electronics System Design & Manufacturing (ESDM) and IT/IT Enabled Services
(IT/ITES) sectors in the country.
Cabinet Committee on Economic Affairs (CCEA) approved the scheme in 2014

for a period of nine years with a total estimated cost of ₹ 466 crores (Rupees
Four Hundred Sixty Six Crores Only).
Duration: The duration of scheme is five years for the purpose of selecting
candidates for support under the scheme. However, the funding would be con-
tinued till 9th year for the commitments already made during the scheme
period.
For more details,

Visit : https://phd.dic.gov.in
A Scheme for promoting Innovation, Rural Industry &

Entrepreneurship (ASPIRE)
Description:
The main objectives of the scheme are to:
(i) Create new jobs and reduce unemployment
(ii) Promote entrepreneurship culture inIndia
(iii) Boost Grassroots economic development at district level
(iv) Facilitate innovative business solution for un-met social needs, and
(v) Promote innovation to further strengthen the competitiveness of the
MSME sector.
34
Quantum of assistance: NSIC/KVIC or Coir Board or any GoI or State Gov-
ernment agency to set up 80 Livelihood Business Incubators for the period
2014 to 2016. The objectives are: Promotion of Innovation, Entrepreneurship
and Agro-Industry organisation of the M/o MSME, and one-time grant of 100%
of cost of Plant & Machinery other than the land and infrastructure, or an
amount up to Rs 100 lakhs, whichever is less is to be provided In case of incuba-
tion centres to be set up under PPP mode with NSIC, KVIC or Coir Board or any
other Institution/agency of GoI/State Government, one- time grant of
50% of cost of Plant & Machinery, other than the land and infrastructure, or Rs
50.00 lakhs, whichever is less is to be provided.
Assistance towards the training cost of incubates will be met out of the ATI
scheme of the Ministry as far as possible for both centres. Total budget plan is
Rs 62.50 cr for 2014-2016.
Eligibility: The Scheme aims to implement the Incubation and Commerciali-

sation of Business Ideas Programme through technical / research institutes,
including those in the field of agro based industry. These would be designated
as Knowledge Partners and would incubate new/existing technologies for their
commercialisation.
The scheme also provides funds for the incubator/incubation and creates
necessary synergy between this scheme and the Livelihood Business Incuba-
tors/Technology Business Incubators and Incubation schemes of MSME / NSIC
/ KVIC / Coir Board / Other Ministries/Departments as well as Private incuba-
tors.
How to apply: Application can be sent to Aspire Scheme Steering Committee

of the Ministry of MSME. The Scheme Steering Committee will be responsible
for overall policy, coordination and management support. The Council will be
chaired by Secretary, Ministry of MSME.
For more details,

Visit : https://msme.gov.in/node/1765
35
Entrepreneurial and Managerial Development of SMEs
through Incubators
Description: The objective of the scheme is to provide early stage funding to
nurture innovative business ideas (new indigenous technology, processes,
products, procedures, etc.) that could be commercialised in a year. The scheme
provides financial assistance for setting up business incubators
Quantum of assistance: Funding support for setting up of ‘Business Incu-

bators (BI):
The cost may vary from Rs 4 to 8 lakh for each incubatee/idea, subject to overall
ceiling of Rs 62.5 lakh for each BI.
a) Upgradation of infrastructure Rs 2.50 lakh
b) Orientation/training Rs 1.28 lakh
c) Administrative expenses Rs 0.22 lakh
Total assistance per BI Rs 66.50 lakh
Eligibility: Any individual or MSME with innovative ideas ready for commer-
cialisation can apply to the host institution (e.g., IITs, NITs, technical colleges,
research institutes, etc.) in order to obtain fund support. See the list of host
institutions at following web address:
How to apply: Application can be made by the technical institution desirous

of becoming the host institution, once a Request for Proposal (RFP)/ Expression
of Interest (EoI) is released.
Website: www.dcmsme.gov.in/schemes/supportforemdti.html
For more details,

36
Enabling Manufacturing Sector to be Competitive through
QMS&QTT
Description: The scheme endeavours to sensitize and encourage MSEs to
understand and adopt latest Quality Management Standards (QMS) and Quali-
ty Technology Tools (QTT).
Quantum of assistance: Funding support for introduction of appropriate

course modules in technical institutions through expert organisations.
Funding support up to Rs 79,000/- per programme for conducting QMS/QTT

awareness campaign for MSEs through expert organisations.
Funding support up to Rs 2.5 lakh per unit for implementation of QMS andQTT
in selected MSMEs through expert organisations.
Funding support for conducting C-watch study for product having threat from
foreign goods.
Eligibility: Expert organisations like Quality Council of India (QCI), National

Recruitment Board for Personnel and Training, Consultancy Development Cor-
poration, National Productivity Council, Standardisation, Testing & Quality Cer-
tification (STQC, a Society under the Ministry of IT), IIQM (Indian Institute of
Quality Management), Industry Associations that have taken active interest in
QMS/QTT, Technical Institutions, Engineering Colleges, Tool Rooms and similar
bodies and MSEs can apply for assistance under this scheme.
How to apply: MSEs or clusters may contact Office of the DC- MSME. The DC
office will finalise the MSME clusters for conducting the Awareness Programme
on Quality Management Standards and Quality Technology Tools (QMS/QTT).
Website: www.dcmsme.gov.in/schemes/QmsQtt.htm
For more details,

37
Overview: AICs aim to support and encourage startups to become successful

enterprises. They will provide necessary and adequate infrastructure along
with high-quality assistance or services to startups in their early stages of
growth. As per June 16, 2017, Startup India Action Plan status report, NITI
Aayog has approved 10 institutes to establish new incubators with a grant of
INR 10 Cr each.

Eligibility: AICs can be established in public/private/public-private partner-

ship mode. These can be established in: Academia – includes higher education-
al institutes and R&D institutions. Non-academic – includes companies/ corpo-
rates/ technology parks / industrial parks/ any individual/ group of individuals.
Quantum of Assistance: AIM will provide a grant-in-aid of INR 10 Cr to each

AIC for a maximum of five years to cover the capital and operational expendi-
ture cost in running the centre. The applicant would have to provide a built-up
space of at least 10,000 sq. ft to qualify for the financial support.
Time Period: N/A
For more details,

Visit : https://aim.gov.in/atal-new-india-challenge.php
38
Atal Tinkering Laboratories (ATL)
Overview: The objective of this startup scheme is to foster curiosity, creativi-

ty, and imagination in young minds; and inculcate skills such as design mind-
set, computational thinking, adaptive learning, physical computing etc. As per
the Startup India Action Plan, 500 Tinkering Labs are to be established. NITI
Aayog has selected 457 schools for establishing Tinkering Labs. Of the select-
ed, 350 Tinkering Labs have received a Grant-in-Aid of INR 12 Lakhs each. Earli-
er this month, NITI Aayog CEO Amitabh Kant stated that this year, the Atal
Innovation Mission (AIM) scheme will look to select 1,000 schools. They will
receive a grant of about $31K (INR 20 Lakhs) each. The money will be utilised to
set up tinkering labs to foster innovation.

Eligibility: Schools (Grade VI – XII) managed by the Government, local body

or private trusts/society can apply to set up an ATL.
Quantum of Assistance: AIM will provide grant-in-aid that includes a

one-time
establishment cost of INR 10 Lakhs and operational expenses of INR 10 Lakhs
for a maximum period of five years to each ATL.
Time Period: N/A
For more details,

Visit : https://niti.gov.in/content/atal-tinkering-laboratories
39
Assistance to Professional Bodies & Seminars/Symposia
Agency: Science and Engineering Research Board (SERB)
Overview: The primary focus of the scheme is to support events having a

strong orientation towards scientific research in the areas of basic sciences,
engineering, technology, agriculture & medicines.
Industry Applicable: Events, chemicals, technology hardware, healthcare &

life sciences, aeronautics/aerospace & defence, agriculture, AI, AR/VR (aug-
mented + virtual reality), automotive, telecommunication & networking, com-
puter vision, construction, design, non-renewable energy, renewable energy,
green technology, fintech, Internet of Things, nanotechnology, social impact,
food & beverages, pets & animals, textiles & apparel.
Eligibility: The support is provided to research institutes/ universities/medi-

cal and engineering colleges and other academic institutes/professional
bodies who organise such events. The applicant should be an Indian citizen
residing in India and must hold a regular position in a recognised academic
institution or in a national laboratory / recognised R&D institution. Also, he/she
should submit the application not earlier than six months and not later than
three months, before the date of the event.
Quantum of Assistance: The incentives include nominal support for

pre-operative expenses like domestic travel for young and senior scientists
(Indian only), contingencies (stationery items, working tea /lunch, audio-vis-
uals etc.) and pre-conference printing (announcements, abstracts etc.).
Time Period: N/A
For more details,

Visit : https://serbonline.in/SERB/seminar_symposia.
40
Ayurvedic Biology Program
Overview: SERB supports basic research employing modern biology, immu-

nology, and chemistry to investigate the concepts, procedures, and products
of Ayurveda. The current areas of interest include Rasayana and degenerative
diseases; Prakriti and human genomics; role of Pathya and nutritional sciences
in health and disease; and physiological, immunological and biochemical cor-
relates of traditional Ayurvedic procedures such as Panchakarma.
Industry Applicable: Chemicals, healthcare & life sciences, nanotechnology,

social impact.
Eligibility: Support is provided to research institutes/ universities/medical

and engineering colleges and other academic institutes/professional bodies
who organise such events. Support is also provided to Indian citizens residing
in India, holding a regular academic/research position in a recognised institu-
tion. The proposals can be submitted by an individual or by a team of investi-
gators.
Quantum of Assistance: SERB extends partial financial support, on a selec-

tive basis, for organising such domestic events (as well as international). Sup-
port is primarily given to encourage participation of young scientists and
research professionals in such events along with nominal support for pre-oper-
ative expenses like announcements brochures, etc.
Time Period: N/A
For more details,

Visit : https://serbonline.in/SERB/ayurvedicProgram
41
Industry Relevant R&D
Overview: SERB aims to support ideas that address a well-defined problem of

industrial relevance through this scheme. The proposal is jointly designed and
implemented by an academic partner (which includes a partner from national
laboratories/recognised R&D institutions, as the case may be) and industry.
Eligibility: The academic partner must be an Indian citizen and hold a regular
academic/research position in an academic institution or national laboratories
or recognised R&D institutions. More than one academic partner may be
allowed. For being an industry partner, all industries (including MSME & indus-
trial R&D Centres) are eligible. More than one Industry and or more than one
Investigator from one Industry can be associated with a project. He/she should
be an Indian citizen residing in India, holding a regular academic/research
position in a recognised institution.
Quantum of Assistance: The industry share should not be less than 50% of
the total budget. Overhead is provided to the academic partner. The SERB
share shall not exceed INR 50 Lakhs for a project. The upper cap may be relaxed
on a case-to-case basis. The support from SERB shall be extended only to the
academic partner and not to the industry. The research grant will be provided
for equipment, manpower, consumables, travel, pilot plant study, and any
other costs associated with the project.
Time Period: First call in a financial year will be made in the first week of June
of every year and the window will be opened for submission of research pro-
posals from June 1 to July 31. Funding decision on the proposals will be com-
municated to the PIs during December and the grant will be released in Janu-
ary-February next year. The second call will be made in the first week of
November of every year and the window will be opened for submission of
research proposals November 1 to December 1. Funding decision on the pro-
posals will be communicated to the PIs during May next year and the grant will
be released in June-July.
For more details,

Visit : https://serbonline.in/SERB/emr?HomePage=New
42
High Risk-High Reward Research
Overview: SERB aims at supporting proposals that are conceptually new and
risky, and if successful, expected to have a paradigm-shifting influence on
science and technology. Proposals that address scientific issues which will
result in ‘incremental’ knowledge will not be supported

Eligibility: Indian citizen residing in India, holding a regular academic/re-

search position in a recognised institution can apply under this scheme. The
proposals can be submitted by an individual or by a team of investigators.
Quantum of Assistance: The research grant covers equipment, consuma-

bles, contingency and travels apart from overhead grants. No budget limit is
prescribed for these projects.
Time Period: First call in a financial year will be made in the first week of June
of every year and the window will be opened for submission of research pro-
posals from June 1 to July 31. Funding decision on the proposals will be com-
municated to the PIs during December and the grant will be released in Janu-
ary-February next year. The second call will be made in the first week of
November of every year and the window will be opened for submission of
research proposals November 1 to December 31. Funding decision on the pro-
posals will be communicated to the PIs during May next year and the grant will
be released in June-July.
For more details,

43
Technology Development Programme (TDP)
Overview: The mandate of Technology Development Programmes (TDP) is to

convert proof-of-concepts for the development of pre-competitive/commer-
cial technologies/ techniques/ processes. Some of the typical areas in which
proposals can be submitted are glass, ceramics, molecular/ biomolecular elec-
tronics, polymer and biosensors, waste (plastic, hospital & electronic) utilisa-
tion and management, laser/ plasmas/ microwave technology, alternate fuels,
fuel conservation, efficient utilisation of fuels, civil infrastructure technologies
etc.

Eligibility: Scientists, engineers, or technologists working in academic insti-

tutions, registered societies, R&D institutions, laboratories having adequate
infrastructure & facilities to carry out technology development work as well as
prototype building.
Quantum of Assistance: Institutions under this scheme get support for

project staff salaries, equipment, supplies and consumables, contingency
expenditure, patent filing charges, outsourcing charges, internal travel, fabri-
cation costs, testing charges, overheads, etc.
For Industry, the only cost of consumables up to 50% has been approved while
for Institution/Industry Joint Programmes, support to the Industry up to 50% of
the cost of consumables is provided.
Time Period: N/A
For more details,

Visit : http://dst.gov.in/technology-systems-development-programme-tsdp
44
National Science & Technology Management Information
System (NSTMIS)
Agency: Department of Science and Technology (DST)
Overview: Under this scheme sponsors research projects/studies to interest-

ed investigators/organisations where studies could be taken up in the areas of
S&T investment, S&T infrastructure, S&T output, S&T databases, S&T manpow-
er, R&D productivity/efficiency etc.

Eligibility: Scientists & Technologists; Statisticians and economists; Sociolo-

gists; as well as Development/ Planning/ Policy Experts, Management Special-
ists etc. from academic/research institutions, registered societies, voluntary
agencies (NGOs), professional bodies & consulting organisations etc. can apply
under this scheme.
Quantum of Assistance: Grant-in-aid is provided for projects. Also, over-

heads on projects are provided at the rate of 10% of the total project cost for
educational institutions and NGOs and 8% for laboratories & institutions under
Central Government departments/agencies.
Time Period: N/A
For more details,

Visit : http://www.nstmis-dst.org/
45
Extra Mural Research Funding
Overview: The Board funds all the areas of science and engineering without
discriminating between disciplines for EMR projects.

Eligibility: : Indian citizen residing in India, holding a regular academic/re-

search position in a recognised institution can apply. The proposals can be
submitted by an individual or by a team of investigators. The proposal will be
funded if it has novelty and the investigator has the competence to execute
the project.
Quantum of Assistance: The research grant covers equipment, consuma-

bles, contingency and travels apart from overhead grants. No budget limit is
prescribed. The budget is decided based on the requirement for its successful
implementation. The Investigator should propose a budget which is realistic,
taking into account, the infrastructure and resources available at the imple-
menting institutions. The average cost of the EMR project is INR 35 Lakhs for a
duration of three years.
Time Period: Funding is provided normally for a period of three years.
For more details,

46
Agency: BIRAC
Overview: The scheme intends to create a pool of social innovators in the

biotech arena who will identify specific needs and gaps in health care. The
social innovators will be provided financial and technical support for develop-
ing market-based solutions that have potential to bring cost effective health
care breakthroughs to vulnerable populations in particular
Eligibility: : IIf at idea and PoC stage:
> Biotechnology Indian startups should be incorporated under the Indian

Companies Act and have a minimum of 51% Indian Ownership. Plus, they
should be less than three years old as on the date of advertisement/ Indian
entrepreneurs (Indian citizen willing to form a Company as per Indian Law).
zens.
incubator).

47
> DSIR recognition in India and having NAAC/ UGC/ AICTE or any equivalent
recognition certificate.
Partnership firms/society/ Trust/ NGO/ foundation/ association established in


to:
>DSIR recognition.
>The product should have gained necessary approvals from the concerned
regulatory authority (‐ies) for pilot studies.


Time Period: N/A
For more details

48
(PRISM)
Agency: Council of Scientific & Industrial Research

tion providers developing technology solutions aimed at helping MSME clus-
ter.
Eligibility: : The scheme runs in two phases. For PRISM I, any Indian citizen
are eligible.
costing between INR 5 Lakhs to INR 35 Lakhs, a maximum of INR 20 Lakhs or
90% of the total project cost (whichever is less) is given.
cost is provided.
ject cost is given.
Time Period: N/A
For more details

Visit: https://www.startupindia.gov.in/content/sih/en/govern-
49
Science and Technology of Yoga and Meditation (SATYAM)
Agency: Department of Science and Technology (DST)
Overview: SATYAM aims at investigations on the effect of Yoga and Medita-

tion on – physical and mental health and well being, body, brain, and mind in
terms of basic processes and mechanisms. The scheme has been launched
under the DST’s Cognitive Science Research Initiative (CSRI).
Eligibility: Scientists/academicians with research background in ‘Yoga and

Meditation’ and having a regular position, plus practitioners actively involved
in yoga and meditation practices in collaboration with academic and research
institutions of repute are eligible to apply.
Quantum of Assistance: Not specified.
Time Period: The scheme supports research projects for a maximum period
of three years.
For more details,

Visit : http://dst.gov.in/science-and-technology-yoga-and-meditation
Rapid Grant for Young Investigator (RGYI)

Agency: Department of Biotechnology (DBT)
Overview: The scheme fosters creative research in various fields of biotech-

nology (medical, agriculture, animal biotech, environment and industry, etc.)
to enhance the early career development of young investigators. The pro-
gramme aims to provide the first extramural grant to establish labs and initiate
research in the frontier areas of biotechnology.
50
Industry Applicable: Healthcare & life sciences.
Eligibility: The Principal Investigator should be below 40 years holding an

independent position (and within 10 years of receiving a PhD). Each applica-
tion should have Co-PI (preferably below 50 years) with prior experience in
grant management. Also, applicants must be from non-profit organisations
and should have demonstrated a promising track-record of early achievements
appropriate to his/her research field and career stage, including significant
publications (as the main author) in international, peer-reviewed, scientific
journals.
Quantum of assistance: RGYI provides startup grants to young investiga-

tors across the country working in different settings such as central govern-
ment funded institutions, state government-funded university departments,
scientists at DSIR-approved private institutions etc.
Time Period: N/A
For more details,

visit : https://www.scholarshipsinindia.com/fellowship/rapid_grant_-
for_young_investigators_RGYI.html
NewGen Innovation and Entrepreneurship Development

Centre (NewGen IEDC)
Overview: The NewGen IEDC is being promoted in educational institutions to

develop an institutional mechanism to create an entrepreneurial culture in S&T
academic institutions and to foster techno-entrepreneurship for generation of
wealth and employment by S&T persons. As of now, there are total 40+ EDCs
and 35 IEDCs in different states.
Agency: NewGen Innovation and Entrepreneurship Development Centre

(NewGen IEDC)
51
Industry Applicable: Chemicals, technology hardware, healthcare & lifes-
ciences, aeronautics/aerospace & defence, agriculture, AI, AR/VR (augmented +
virtual reality), automotive, telecommunication & networking, computer
Eligibility: The parent institution should have requisite expertise and infra-
structure. This includes a minimum dedicated space of about 5,000 square feet
to establish a NewGen IEDC, library, qualified faculty, workshops, etc.
Quantum of assistance: The NSTEDB startup scheme by Indian govern-

ment will provide a limited, one-time, non-recurring financial assistance, up to
a maximum of INR 25 Lakhs. Also, non-recurring grants would be provided for
supporting working capital cost.
Time Period: N/A
For more details,

visit : http://www.nstedb.com/institutional/edc.htm
The Venture Capital Assistance Scheme

Overview: Venture Capital Assistance is financial support in the form of an
interest-free loan provided by the SFAC to qualifying projects to meet the
shortfall in capital requirements for implementation of the project.The Scheme
was implemented during 2012-17 in the XII Plan. SFAC has formed tie-ups with
41 banks to provide financial support.
Agency: Small Farmers’ Agri-Business Consortium (SFAC)
52
Industry Applicable: Agriculture
Eligibility: Assistance under this scheme will be available to individuals, farm-

ers, producer groups, partnership/proprietary firms, self-help groups, compa-
nies, agri-preneurs, units in agri-export zones, and agriculture graduates indi-
vidually or in groups for setting up agri-business projects. For professional
management and accountability, the groups have to preferably form into com-
panies or producer companies under the relevant Act.
Quantum of assistance: The quantum of SFAC Venture Capital Assistance

will depend on the project cost and will be the lowest of the following:
> 26% of the promoter’s equity.
> INR 50 Lakhs for projects located in North-Eastern Region, Hilly States (Ut-
tarakhand, Himachal Pradesh, Jammu & Kashmir) and in all cases in any part of
the country where the project is promoted by a registered Farmer Producers
Organisation, the quantum of venture capital will be the lowest of the follow-
ing:
> 40% of the promoter’s equity.
> INR 50 Lakhs
Time Period: N/A
For more details,

visit : http://sfacindia.com/Procedure_For_VCA_Scheme.aspx
53
Cent Kaylani Scheme
Agency: Central bank of India
Overview: The objective of the cent Kalyani scheme is to generate continu-

ous and sustainable employment opportunities for women entrepreneurs etc.
Industry Applicable: agriculture, cottage industries, small and medium

enterprises, government sponsored programs and retail trade
Eligibility: The eligibility criteria for Cent Kalyani Scheme is explained in

detail below;
> Woman entrepreneurs, above 18 years of age
> No income ceiling for assistance
Quantum of Assistance: Under this scheme, loans up to ₹1 crore are sanc-

tioned with a margin rate of 20 per cent. You do not require any collateral secu-
rity or guarantors for this loan. Interest on loans depends on market rates. The
loan tenure will be a maximum of seven years including a moratorium period
of 6 months to 1 year
For more details,

Visit : https://savvywomen.tomorrowmakers.com/wise/govern-
ment-schemes-can-help-women-entrepreneurs-india-grow-their-small-busine
sses-article
54
Recognition of Scientific And Industrial Research
Organizations (SIROs)
Overview: The Recognition Scheme for Scientific and Industrial Research
Organisations (SIROs) will bring together voluntary organizations operating in
non-commercial sector with a view to promote their activities in the area of
scientific and industrial research, design and development of indigenous tech-
nology to achieve technological self-reliance and minimize foreign inputs.
The Organisations seeking support under the scheme will undertake activities
for the extension of knowledge in the field of natural and applied sciences,
agricultural, medical and social sciences. Functional SIROs having clearly
stated objectives of undertaking scientific research, broad based Governing
Council, Research Advisory Committee, research personnel, infrastructure
facilities for research, well defined, time bound research programmes and
clearly stated objectives.
Eligibility: The following types of organizations are eligible for recognition:
Associations: An association will be a society/trust registered under the Socie-

ties registration Act, 1860 or any such act passed by the State Government. The
sole objective of the association should be to undertake scientific and/or
industrial research.
R&D Companies: A company which has been incorporated under Section 25 of

the old Companies Act, 1956 or Section 8 under the New companies Act, 2013
and set up for engaging in R&D activities. The sole objective of the company
should be to undertake scientific and/or industrial research.
Institutions: I Scientific institution having adequate infrastructural facilities to

undertake scientific and/or industrial research and having undertaking of
scientific and/or industrial research as a main object of the institution.
II Professional bodies having undertaking/promoting the undertaking of scien-
tific and/or industrial research as main object.
Universities: A university established or incorporated by or under a Central or

State Act and includes an institution declared under section 3 of the University
Grants Commission Act, 1956 (3 of 1956) to be University for the purposes of
the Act.
55
Colleges: A college undertaking scientific research (in the specific disciplines),
should be affiliated to a university as above and should not be just a teaching
institution. It should have identifiable research and development centre with
adequate infrastructure to carry out focused scientific and/or industrial
research. To establish this, the college should submit the affiliation letter and a
certificate from the Vice-Chancellor of the university to which it is affiliated.
How to apply: The applicants seeking fresh recognition are required to

submit online application through DSIR website (www.dsir.gov.in) or though
the
Portal Link: (http://dsir.csir.res.in/DSIRPrograms/Login/Default.aspx). After

successful submission of online application send one set of hard copy (.pdf,
generated by the system) signed by the Head/Chairman/Director of the Organ-
ization to DSIR along with all relevant enclosures, which are mentioned in the
website (http://www.dsir.gov.in/#files/12plan/bird-crf/rdi.html)
For more details,

Visit : http://www.dsir.gov.in/#files/12plan/bird-crf/rdi.html
Public Funded Research Institutions
Overview: Public funded research institutions, universities, IITs, IISc., Banga-

lore; Regional Engineering Colleges (other than a hospital) are eligible for
availing customs and central excise duty exemption on inputs / purchase of
equipment, spares and accessories and consumables for research purposes
through a simple registration with the DSIR. The heads of the public funded
research institutions / organizations duly registered with DSIR can certify
the R&D goods for duty free import as per relevant notifications.
56
Eligibility: To be eligible for such customs/central excise duty exemption, the
INSTITUTION should have a valid registration with the Department of Scientific
& Industrial Research (DSIR) for availing of the customs/central excise duty
exemption facility. Such DSIR-registered institutions can import/procure indig-
enously customs/central excise duty-free goods for R&D
based on a certificate from the Head of Institution concerned in each case, cer-
tifying that the said goods are required for research purposes only. All INSTITU-
TIONS should, for this purpose, also submit to DSIR half-yearly statements of all
duty-free imports/indigenous purchases made by them under this provision.
How to apply: The application should be submitted in the enclosed profor-

ma, signed by the Director/Registrar/ Head of the institution/university, to
DSIR along with all relevant enclosures, which are mentioned in the guidelines
mentioned in the website (http://www.dsir.gov.in/#files/12plan/bird-crf/p-
fri.html)
For more details,

Visit : http://www.dsir.gov.in/#files/12plan/bird-crf/pfri.html
Patent Acquisition and Collaborative Research and

Technology Development (PACE)
Overview: The PACE scheme provides catalytic support to industries and

institutions for development and demonstration of innovative product and
process technologies, traversing the journey from proof of concept or labora-
tory stage to pilot stage, so that they can be launched for commercialization.
Eligibility: This scheme shall be open for:

(a) all industries registered in India, having a healthy financial track record or a
promising financial health forecast, preferably those having
DSIR recognized in-house R&D units; and also, for
(b) R&D organizations/ academic institutions/ universities;
ii. The R&D organization / academic institution / university for collaboration
with the industry should have the requisite expertise and track record in the
proposed area of research.
57
How to apply: Proposals are invited from innovative and technologically
oriented industrial firms. The Proposals are to be submitted online by logging
on to DSIR website: [www.dsir.gov.in].
Additionally, 5 hard copies of the proposal along with a soft copy on pen drive
are also required to be submitted. These proposals should be forwarded by the
Chief Executive/Managing Director of the industrial units or head of
research/educational institutions to:
Shri Ashwani Gupta

Scientist ‘G’ & Head (PACE)
Department of Scientific & Industrial Research
Technology Bhavan; New Mehrauli Road
New Delhi-110 016.
Ph: 011-2686 6123, Fax: 011-2696 0629;
Email: ashwani@nic.in
For more details,

Visit : http://www.dsir.gov.in/#files/12plan/pace/pace_g_nov_2017_e.html
58
Support for International Patent Protection in
Electronics
Ministry of Electronics and Information Technology has launched a scheme,
Support for International Patent Protection in E&IT to provide financial support
to MSMEs and Technology Startup units for international patent filing to
encourage innovation and recognize the value and capabilities of global IP
along with capturing growth opportunities
in ICTE sector. In addition, to sensitize and create IP awareness and to dissemi-
nate the scheme among stakeholders, a scheme to support IPR awareness is
also proposed as thesecond component of the scheme.
SIP EIT II comprises of two schemes:
1. Support for International Patent Protection in E&IT
In order to encourage filing of International Patents, a Scheme Support Inter-

national Patent Protection in Electronics & IT (SIP-EIT) has been put in place.
The Scheme Supports International Patent Protection in Electronics & IT by
SMEs (Small and Medium Enterprises) and Technology Start-Up Companies.
2. Scheme to Support IPR Awareness Seminars/Workshops in E&IT

Sector
Under the scheme, Meity aims to provide financial support to Education Insti-
tutes, Meity societies, etc. for organizing seminars & workshops on IPR aware-
ness among various stakeholders.
For more details,

Visit : http://www.ict-ipr.in/sipeit/login
60
Credit Guarantee
Overview: The scheme was launched to strengthen the credit

delivery system and facilitate the flow of credit to the MSE sector. Lending
institutions majorly included public, private, foreign banks along withregion-
al rural banks, and SBI and its associate banks.
Agency: Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTM-
SE)
Industry: Sector-Agnostic
Eligibility: The scheme is applicable for new and existing Micro and
Small Enterprises engaged in manufacturing or service activity excludingre-
tail trade, educational institutions, agriculture, self-help groups
(SHGs), training institutions, etc.
Quantum of assistance: Both term loans and/or working capital facility

up to INR 100 Lakhs per borrowing unit are being provided. The guarantee
cover provided is up to 75% of the credit facility up to INR 50 Lakhs (85% for
loans up to INR 5 Lakhs provided to micro enterprises, 80% for MSEs owned/-
operated by women and all loans to NER including Sikkim) with a uniform
guarantee at 50% for the entire amount if the credit exposure is above INR 50
Lakhs and up to INR 100 Lakhs.
Time Period: N/A
For more details,

Visit : https://www.cgtmse.in/schemes.aspx
61
Performance & Credit Rating Scheme
Overview: The scheme aims to create awareness about the strengths and
weaknesses of small-scale industries. It was formulated by the Ministry of
MSME in consultation with various stakeholders i.e. Small Industries Associa-
tions & Indian Banks’ Association and various rating agencies viz. CRISIL, ICRA,
Dun & Bradstreet (D&B) and ONICRA.
Industry Applicable: Sector-agnostic.
Ministry: Ministry Of Micro, Small And Medium Enterprises (MSME).

Eligibility:MSMEs registered in India are eligible to apply under this scheme.
In May 2017, the guidelines were revised which stated that a unit with a turno-
ver of INR 1 Cr or above will be eligible under the scheme. Now the case of
rating needs to be recommended by a bank or NBFC.
Quantum of Assistance: The incentives are proportional to the turnover

of the MSMEs. For instance, up to INR 50 Lakhs, 75% of the rating fee or INR
25,000 (whichever is less) will be contributed under the scheme. For turnover
above INR 50 Lakhs to INR 200 Lakhs, 75% of the fee or INR 30,000 (whichever
is less) while for turnover more than INR 200 Lakhs, 75% of the fee or INR
40,000 (whichever is less).
Time Period: N/A.
For more details,

Visit : http://www.nsic.co.in/pdfs/Rev_gd23052016.PDF
62
Raw Material Assistance
Overview: This scheme aims at helping MSMEs by way of financing the pur-
chase of raw material (both indigenous & imported), thereby giving an oppor-
tunity to MSMEs to focus on manufacturing quality products.
Eligibility: MSMEs registered in India are eligible to apply under this scheme.
Quantum of Assistance: Under this scheme by the Indian government,

MSMEs will be helped to avail economics of purchases like bulk purchase, cash
discount, etc. Also, all the procedures, documentation and issue of letter of
credit in case of imports will be taken care of. Security will be in the form of
Bank Guarantee from Approved/Nationalised Banks
Time Period: MSMEs will get financial assistance for procurement of raw ma-
terial up to 90 days. In case outstanding dues are cleared within 270 days,
micro enterprises will bear 9.5%- 10.5% interest while small and medium
enterprises will have to pay 10% to 11% interest.
For more details,

Visit : https://www.startupindia.gov.in/content/sih/en/governmentsc-
hemes/raw_material_assistance.html
63
Single Point Registration Scheme (SPRS)
Overview: With a view to increasing the share of purchases from the

small-scale sector, this Purchase Programme was launched in 1955-56. NSIC
registers micro & small enterprises (MSEs) under the Single Point Registration
Scheme (SPRS) for participation in government purchases.
Eligibility: All micro and small enterprises registered with the Director of
Industries (DI)/District Industries Centre (DIC) as manufacturing/service
enterprises or having an acknowledgement of Entrepreneurs Memorandum
(EM Part-II) are Eligibility registration under this scheme by the Indian govern-
ment. Those who have already commenced their commercial production but
not completed one year of existence, a Provisional Registration Certificate can
be issued to them under SPRS scheme with a monitory limit of INR 5 Lakhs,
valid for the period of one year from the date of issue.
Quantum of Assistance The eligible micro and small enterprises will get
an exemption from payment of Earnest Money Deposit (EMD) and will be
issued tender sets free of cost. In tender participating, MSEs quoting price
within the price band of L1+15 per cent shall also be allowed to supply a por-
tion up to 20% of the requirement by bringing down their price to L1 Price
where L1 is non-MSEs.
Time Period: The SPRS Certificate granted to the micro & small enterprise is
valid for two years. It will be reviewed and renewed after every two years by
verifying continuous commercial and technical competence of the registered
micro & small enterprise in manufacturing / producing the stores for which it
has been registered by NSIC.
For more details,

Visit : http://www.nsicspronline.com/home.aspx
64
Infrastructure Development Scheme
Overview: This scheme aims to solve the office space issues of MSMEs. The
Corporation has commercial buildings at New Delhi, Chennai, and Hyderabad.
Apart from other schemes, the Corporation provides office space on a lease
rental basis to prospective units.
Eligibility: space shall be allotted to IT/ITES/MSME units not registered with

STPI (Software Technology Parks Of India Scheme). It will be allotted to only
those units that are falling under the overall definition of MSME as per the
guidelines of Ministry of Micro, Small and Medium Enterprises. Units other
than MSMEs such as Banks/PSUs/financial institutions, corporate sectors etc.
would also be considered for allotment on a case-to-case by merit.
Quantum of Assistance The sizes of available office space range from 467
sq.ft. to 8,657 sq.ft. The unit has to deposit interest-free Security deposit
equivalent to six months rent refundable at the time of vacation of premises.
The rentals are reviewed every year.
Time Period: The notice period is for 90 days. There is no lock-in period.
For more details,

Visit : http://www.nsic.co.in/pdfs/faqinfra012017.pdf
65
Bank Credit Facilitation Scheme
Overview: The scheme aims to meet the credit requirements of MSME units.
NSIC has entered into a Memorandum of Understanding with various nation-
alised and private sector banks. Through syndication with these banks, NSIC
arranges for credit support (fund- or non-fund-based limits) from banks with-
out any cost to the MSMEs
Eligibility: MSMEs registered in India.
Quantum of Assistance: N/A.

Time Period: The repayment period varies depending upon the income gener-
ated from the unit and generally varies from five-seven years. However, in
exceptional cases, it can go up to to 11 years.
Last date: 5 years
For more details,

Visit: h t t p s : / / w w w . n s i c . c o . i n / S c h e m e s / C r e d i t - F a c i l i t a o n -T h r o u g h -
tion-Through-Bank.aspx
Aspire – Scheme for promotion of innovation,

entrepreneurship, and agro-industry
Overview: Aspire has been launched with an objective to set up a network

of technology centres, incubation centres to accelerate entrepreneurship
and also to promote startups for innovation and entrepreneurship in rural
and agriculture-based industry. It also includes the setting up of Technology
Business Incubators (TBIs). As per the June 2017 status report of Startup
India Action Plan, 15 TBIs are being set up. 11 TBIs have been approved and
four others are in advanced stages.
66
& life sciences
One-time grant of 50% of the cost of Plant & Machinery excluding the land
provided for supporting 20 existing incubation centres.
One-time grant of 50% of the cost of Plant & Machinery excluding the land
Support would be provided for incubation of ideas at the inception stage,

each idea would be provided financial support @INR 3 Lakhs per idea to be
paid up front to the incubator to nurture the idea, with a target to support 450
ideas.
A one-time grant of INR 1 Cr will be provided to the eligible incubator as Seed

INR 200 Lakhs for Accelerators to hold 10 workshops for incubates [out of the
For more details,

Visit: h t t p s : / / w w w . s t a r t u p i n d i a . g o v . i n / c o n t e n t / s i h / e n / g o v e r n -
ment-schemes/aspire-scheme-promotion-innovation-entrepreneurship-and-
agro-industry.html
67
MSME Market Development Assistance
Overview: The scheme offers a funding to interested individuals aimed at

increasing participation of representatives of small/micro manufacturing
enterprises under the MSME India stall at international trade fairs/exhibitions.
This scheme by the Indian government also encourages small & micro export-
ers in their efforts at tapping and developing overseas markets and enhance
export from the small/micro manufacturing enterprises.
Eligibility: Unit having valid permanent registration with the Directorate of

Industries/District Industries Centre are eligible under this scheme. The selec-
tion of small/micro manufacturing units would be done by MSME-DIs as per
displayed product profile, the theme of the fair and space availability. Further-
more, Micro & Small manufacturing enterprise can avail this facility only once
a year and only one person of the participating unit would be Eligibility the
subsidy on airfare.
Quantum of Assistance: 75% of air fare by economy class and 50% space
rental charges for micro & small manufacturing enterprises of General catego-
ry entrepreneurs will get reimbursed under this scheme. For women/SC/ST
entrepreneurs & entrepreneurs from North Eastern Region, 100% space, rent,
and economy class airfare will be reimbursed. The total subsidy on air fare &
space rental charges will be restricted to INR 1.25 Lakhs per unit.
Time Period:N/A.
For more details,

Visit: h t t p s : / / m y . m s m e . g o v . i n / M y M s m e M o b / M s m e S c h e m e / P a g -
es/0_2_5.html
68
National Awards (Individual MSEs)
Overview: With a view to recognising the efforts and contribution of MSMEs,

the Ministry of MSME gives National Awards annually to selected entrepre-
neurs and enterprises under the scheme of National Awards.
Eligibility:The MSMEs should have been in continuous manufacturing/ser-

vices for the last four years and should have Udyog Aadhaar Memorandum
(UAM). MSMEs would also have to mandatorilyregister in MSME Databank web
portal before submitting their application.
Quantum of Assistance: The Selected National awardee is facilitated with a
cash prize of INR 1 Lakh, INR 75K, and INR 50K in order of ranking. Cash prizes
of INR 1 Lakh are provided under Special National Award category to women,
SC/ST and North Eastern Region (NER) entrepreneur.
Time Period: The awards are given every year
For more details,

Visit : http://www.dcmsme.gov.in/schemes/award_scheme.htm.
69
International Cooperation (IC) Scheme
Overview: Under this scheme, financial assistance for travel and marketing
expenditures relating to the development of the MSME sector in India is sup-
ported by the department. The objective is to make MSMEs internationally com-
petitive by technology infusion/upgradations, modernisation of MSMEs, and
promotion of exports of MSMEs.
Industry Applicable: Travel & tourism, human resources, events,

advertising.
Eligibility: State/Central Government Organisations, Industry/Enterprise

Associations, and Registered Societies/Trusts and Organisations associated
with the MSME are eligible to apply under this scheme. The organisation should
be registered with the primary objective of promotion and development of
MSMEs. It should be engaged in such activities for at least three years and
should have regular audited accounts for the past three years. Events, for which
financial support under the Scheme is sought, must have significant interna-
tional participation.
Quantum of Assistance: The incentives vary as per the category of organi-

sation. For instance, MSME gets 100% of the economy class airfare subject to a
maximum of INR 1.5 Lakhs or actual fare paid, whichever is lower. On the other
hand, off bearer of the applicant organisation also gets an additional duty
allowance of INR 150 per day along with the airfare subjected to limitations
above. MSMEs also get 100% of the space rent subject to a maximum of INR 1
Lakh or actual rent paid, whichever is lower. Common expenses such as freight
& insurance, local transport, secretarial/ communication services, printing of
common catalogues may be funded as well.
Time Period: N/A
For more details,

Visit : https://msme.gov.in/sites/default/files/IC_EN.pdf
70
Credit Linked Capital Subsidy for Technology
Upgradation
Overview: This scheme aims at facilitating technology upgradations by pro-
viding upfront capital subsidy to small scale industry (SSI) units, including
khadi, village, and coir industrial units, on institutional finance (credit) availed
by them for modernisation of their production equipment (plant and machin-
ery) and techniques. – aims at facilitating technology upgradations by provid-
ing upfront capital subsidy to small scale industry (SSI) units, including khadi,
village, and coir industrial units, on institutional finance (credit) availed by
them for modernisation of their production equipment (plant and machinery)
and techniques.
Eligibility: Existing SSI Units registered with the State Directorate of Indus-
tries that have upgraded their existing plant and machinery with
state-of-the-art technology, with or without expansion are eligible under this
scheme. Also, new SSI Units which are registered with the State Directorate of
Industries which have their facilities only with the appropriate eligible and
proven technology duly approved by the GTAB/TSC will be eligible.
Quantum of Assistance: The Ceiling on loans under the scheme has been
raised from INR 40 Lakhs to INR 1 Cr while the rate of subsidy has been
enhanced from 12% to 15%. Here, the admissible capital subsidy is calculated
with reference to purchase price of plant and machinery, instead of term loan
disbursed to the beneficiary unit.
Time Period: N/A
For more details,

Visit : http://www.dcmsme.gov.in/schemes/SCLCS_FOR_TU_SSI_UNITS.pdf
71
Financial Support to MSMEs in ZED Certification Scheme
Description: The objectives of the scheme include inculcating Zero Defect & Zero
Effect practices in manufacturing processes, ensure continuous improvement and
supporting the Make in India initiative.
The ZED Certification scheme is an extensive drive to create proper awareness in

MSMEs about ZED manufacturing and motivate them for assessment of their enter-
prise for ZED and support them. After ZED assessment, MSMEs can reduce wastages
substantially,
Increase productivity, expand their market as IOPs, become vendors to CPSUs, have
more IPRs, develop new products and processes etc.
The scheme envisages promotion of Zero Defect and Zero Effect (ZED) manufactur-
ing amongst MSMEs and ZED Assessment for their
certification so as to:
Develop an Ecosystem for Zero Defect Manufacturing in MSMEs.
Promote adaptation of Quality tools/systems and Energy Efficient manufacturing.
Enable MSMEs for manufacturing of quality products.
Encourage MSMEs to constantly upgrade their quality standards in products and

processes.
Drive manufacturing with adoption of Zero Defect production processes and with-
out impacting the environment.
Support ‘Make in India’ campaign.
Develop professionals in the area of ZED manufacturing and certification.
Quantum of assistance: Assessment & Rating/Re-rating/Gap analysis/Hand

holding
72
The subsidy provided by the Government of India for Micro, Small & Medium Enter-
prises will be 80%, 60% and 50% respectively. There shall be an additional subsidy of
5% for MSMEs owned SC/ST/women and MSMEs located in NER and J&K for assess-
ment & rating/re-rating/gap analysis/hand holding:
a) Assessment/Rating by empanelled Credit Rating Agencies/other Agencies valid

for 4 years (Ministry of MSME will subsidize* 80% of Micro, 60% of Small, 50% of
Medium Enterprises' Certification Fee: average 70% of Fee) (Assessment Fee Rs.
10,000/-& Rs 80,000/- per enterprise respectively for Desktop Assessment and ZED
rating Complete Assessment).
b) Additional rating for Defence angle i.e. Defence ZED by empanelled Credit Rating
Agencies/other Agencies valid for 4 years (Ministry of MSME will subsidize* 80% of
Micro, 60% of Small, 50% of Medium Enterprises' Certification Fee: average 70% of
Fee) (Assessment Fee Rs. 40,000/- per enterprise.)
c) Gap Analysis, Handholding, Consultancy for improving rating of MSMEs by Con-

sultants through QCI/NPC, Field formations of O/o DC-MSME viz. MSME-DI, MSME-TC
including its autonomous bodies, BEE etc. (Ministry of MSME will subsidize* 80% of
Micro, 60% of Small, 50% of Medium Enterprises' Consultancy charges: average 70%
of Fee) (Hand holding charges Rs. 1.9 Lakh per enterprise whereas in case of MSMEs
owned by SC/ST entrepreneurs additional support of Rs 10,000/- will be provided.)
d) Re-Assessment/Re-Rating by Credit Rating Agencies & Other Agencies (Ministry of

MSME will subsidize* 80% of Micro, 60% of Small, 50% of Medium Enterprises' Certifi-
cation Fee: average 70% of Fee) (Assessment Fee Rs. 40000/- per enterprise.).
Eligibility: All manufacturing Micro, Small and Medium enterprises (MSME) having
Udyog Adhar Memorandum can apply.
For more details,

73
Credit Linked Capital Subsidy for Technology
Upgradation (CLCSS)
Description: CLCSS provides 15% subsidy for additional investment up to ₹ 1 cr
for technology upgradation by MSEs. Technology upgradation would ordinarily
mean induction of state-of-the-art or near state-of-the- art technology. In the vary-
ing mosaic of technology covering more than 7,500 products in the Indian small
scale sector,List of technologies is available at
http://www.dcmsme.gov.in
Units looking to replace existing equipment/technology with the same equip-
ment/technology will not qualify for subsidy under this scheme. Similarly, units
upgrading with used machinery would not be eligible under this scheme.
Quantum of assistance: The revised scheme aims at facilitating technology

upgradation by providing 15% up front capital subsidy to MSEs, including tiny,
khadi, village and coir industrial units, on institutional finance availed by them for
induction of well established and improved technologies in specified sub-sec-
tors/products approved under the scheme.
Eligibility: Any MSE unit
How to apply: Candidates meeting the eligibility criteria may approach 12 nodal
banks / agencies. These are SIDBI, NABARD, SBI, BoB, PNB, BOI, SBBJ, TIIC, Andhra
Bank, Corporation Bank, Canara Bank and Indian Bank. Web link:
www.dcmsme.gov.in/schemes/credit_link_scheme.htm
For more details,

74
Marketing Support/Assistance to MSMEs (Bar Code)
Description:Under this scheme the Ministry conducts seminars and reimburses

registration fees for bar coding in order to encourage MSEs to use bar-codes.
Quantum of assistance: Reimbursement of registration fee (one time and

recurring for 3 years) for bar coding. Financial assistance for reimbursement of
75% of one-time registration fee (Under MSE-MDA) and 75% of annual recurring
fee for first three years (Under NMCP) paid by MSEs to GS1 India for the use of bar
coding.
Eligibility: The scheme applies only to MSEs with and registration with GS1
India for use of barcode.
For more details,

Lean Manufacturing Competitiveness for MSMEs

Description: The objective of the scheme is to enhance the manufacturing
competitiveness of MSMEs through the application of various Lean Manufactur-
ing (LM) techniques.
Quantum of assistance: Financial assistance is provided for implementation

of lean manufacturing techniques, primarily the cost of lean manufacturing con-
sultant (80% by GoI and 20% by beneficiaries). Lean manufacturing consultants
(LMCs) will raise bills for services provided to Special Purpose Vehicle (SPV). SPV
will, in turn, pay the first installment of 20% to the LMC and will obtain reim-
bursement from the NMIU. Thereafter, Ministry of MSME will transfer funds to the
NMIU. SPV payments to LMC will be on a milestone basis in 5 tranches, each of
20% of the amount fixed.
75
Eligibility: The scheme is open to all manufacturing MSEs. The units are
required to form MC, ideally of 10 units each with a minimum 6, by signing
among themselves a Memorandum of Understanding anMoU to participate in
the scheme.
How to apply: A group of SMEs can apply for the scheme. Either a recog-
nised SPV can apply on its own, or a mini cluster can be formed by a group of 10
or more such units.
The SPV can apply to the National Monitoring and Implementing Unit (National
Productivity Council for the Scheme) in the given format.
For more details,

Design Clinic for Design Expertise to MSMEs
Description: The scheme is for increasing competitiveness of MSMEs through

adoption of design and its learning.
Quantum of assistance: Funding support of (1) ₹60,000 per seminar and

75% subject to a maximum of ₹3.75 lakhs per workshop, (2) To facilitate MSMEs
to develop new Design strategies and or design related products and services
through project interventions and consultancy.
(Government of India contribution @ 75% for micro, 60% for SMEs for the project
range ₹15 lakh to ₹40 lakh.)
76
Eligibility: Expert agencies (Industry Associations, Technical Institutions or
other appropriate bodies), for conducting seminars and workshops, MSMEs or
groups of MSMEs, Academic Institutes/ design companies/ design consultants,
etc., applying as co-applicants along with a designated MSME.
How to apply: Expert agencies can directly apply to design clinic centres
expressing intent to conduct workshops and seminars.
MSMEs can apply alone or along with a design company or a design consult-
ant/academic institute for design projects by submission of a proposal to the
Design Clinic Centre or through the internet by making an online application.
For more details,

Technology and Quality Upgradation Support to MSMEs

Description: The scheme advocates the use of energy efficient technologies
(EETs) in manufacturing units so as to reduce the cost of production and adopt
clean development mechanism.
Quantum of assistance: Capacity building of MSME clusters for energy effi-

ciency/clean development and related technologies. Funding support of up to
75% for awareness programmes, subject to maximum of Rs 75,000 per pro-
gramme;
Implementation of energy efficient technologies in MSME units 75% of actual

expenditure for cluster level energy audit and preparation of model DPR;
77
Setting up of Carbon Credit Aggregation Centres. 50% of actual expenditure sub-
ject to maximum Rs 1.5 lakh per DPR towards
preparation of subsequent detailed project reports for individual MSMEs on EET
projects;
Encouraging MSMEs to acquire product certification / licenses from National /

International bodies. 75% of the actual expenditure,
subject to a maximum Rs 15.
25% of the project cost as subsidy by

Government of India, balance amount to be funded through loan from SIDBI/-
banks/ financial Institutions. MSMEs are required to make the minimum contribu-
tion as required by the funding agency;
75% subsidy towards licensing of products to national/ international standards;

ceiling Rs 1.5 lakh for obtaining product licensing/marking to National standards
and Rs 2 lakhs for International standards.
Eligibility: Expert organisations like PCRA, BEE, TERI, IITs, NITs, etc.
State Govt. agencies like MITCON, GEDA, etc.
Cluster/industry-based associations of MSMEs
NGOs and Technical Institutions.
How to apply: Obtain product certification from national standardisation

bodies (like BIS and BEE) or international product certifications (CE, UL, ANSI, etc.)
Applicant applies in the specified format (given in annexure-IV of scheme guide-

lines) along with required documents for re-imbursement of fees, forwarding it,
to MSME-DI concerned.
For more details,

78
Building Awareness on Intellectual Property Rights (IPR)
Description: The purpose of the scheme is to enhance awareness among the

MSMEs about Intellectual Property Rights, to take measures for protecting their
ideas and business strategies. Effective utilisation of IPR tools by MSMEs would
also assist them in technology upgradation and enhancement of their competi-
tiveness.
Quantum of assistance: Conducting awareness/sensitization

programmes on IPR (Applicants in this case are MSME organisations
and expert agencies) GoI assistance of Rs 1 lakh per awareness
programme
Conducting pilot studies for selected clusters/groups of industries (Applicants in

this case are MSME organisations, competent agencies and expert agencies). GoI
assistance of Rs 2.5 lakh per pilot study.
Funding support for conducting interactive seminars / workshops (Applicants in

this case are MSME organisations and expert agencies)
Funding support for conducting specialised training on IPR (Applicants – Expert

agencies)
Funding support in the form of Grant on Patent/GI Registration (Applicants in this

case are MSME units and MSME organisations)Funding support for setting up IP
Facilitation
Eligibility: Registered MSME units, association, consultancy firms, expert agen-

cies etc.
How to apply: Application forms for each of the components are provided
along with scheme guidelines at:
http://www.dcmsme.gov.in/schemes/IPRDetail.html
For more details,

79
International Cooperation
Description: The scheme covers the following activities:
a) Visit of MSME delegations to other countries in international exhibitions/

trade fairs, conferences/ summits/workshops etc. for exploring new areas of
technology infusion/upgradation, joint ventures, improving market of MSMEs
products, etc.
b) Participation of MSME delegations in international exhibitions, trade fairs

and buyer-seller meets in foreign countries.
c) Holding international conferences/summits/workshops/seminars relating to

MSME sector to be organized in India by the Industry Associations/ Govern-
ment organizations.
d) Holding/organising a mega international exhibition or fair and international

conferences/seminars/workshops, Joint Committee Meetings/Joint Working
Group Meetings/Government to Government bilateral meetings with outer
countries in India by Ministry of MSME or organizations under it.
e) Sending a delegation of the Ministry of MSME to an International Exhibi-

tion/Fairs/Conference in foreign countries.
Quantum of assistance: IC Scheme provides financial assistance on reim-

bursement basis for airfare, space rent, freight charges, advertisement & pub-
licity charges and entry/registration fee on reimbursement basis in case of par-
ticipation in international exhibitions/trade fairs.
Eligibility: Government Institutions and Registered Industry Associations

associated with promotion and development of MSME sector.
How to apply: Applications for financial assistance can be sent in the pre-
scribed form to the Director (International Cooperation), Ministry of MSME,
Udyog Bhawan, New Delhi -110011.
For more details,

80
Marketing Assistance Scheme
Description: The marketing assistance scheme provides assistance for the

following activities:
a) Organisation of exhibitions abroad and participation in interna

tional exhibitions/ trade fairs
b) Co-sponsoring of exhibitions organised by other organisations/industry asso-

ciations/ agencies;
c) Organising buyer-seller meets, intensive campaigns and marketing promo-

tion activities.
(a).The maximum net budgetary support for participating in an international

exhibition/trade fair would normally be restricted to an overall ceiling of Rs. 30
lakh per event (Rs. 40 lakh for Latin American countries).
(b). The budget for organizing the Domestic Exhibitions/Trade Fair

would depend upon the various components of the expenditure, i.e. space
rental including construction and fabricating charges, theme pavilion, adver-
tisement, printing material, transportation etc. However, the budgetary support
towards net expenditure for organizing such exhibition/trade fair would nor-
mally be restricted to a maximum amount of Rs. 45 lakh. The corresponding
budgetary limit for participation in an exhibition/trade fair shall be Rs. 15 lakh.
(c). Financial assistance will be provided ranging from 25% to 95% of the Air-Fare
and space rent to entrepreneurs on the basis of size and type of the enterprise.
Financial assistance for co-sponsoring an event would be limited to 40% of the
net expenditure, subject to a
maximum amount of 5 lakh.
81
Eligibility: MSMEs, Industry Associations and other organisations related to
MSME sector are eligible to apply.
How to apply: Applications/proposals seeking assistance under the scheme

should be submitted to the Branch Manager of the nearest office of the National
Small Industries Corporation, with full details and justification in support of the
application.
(a). The Guideline of Marketing Assistance Scheme is available on the Ministry's

Website i.e. http://msme.gov.in
For more details,

visit : https://msme.gov.in/node/1766
Procurement and Marketing Support Scheme (P&MS)
Description:The Procurement and Marketing support Scheme would cover the

following activities:
• To encourage Micro and Small Enterprises (MSEs) to develop domestic markets

and promotion of new market access initiatives.
• To facilitate market linkages for effective implementation of Public Procure-

ment Policy for MSEs Order of 2012.
• To educate MSMEs on various facets of business development.
• To create an overall awareness about trade fairs, latest market technique and
other such related topics etc.
Eligibility: Individual Manufacturing/Service MSEs.
How to apply: Eligible MSEs may submit their application online or system
in place.
For more details,

Visit https://msme.gov.in/node/1766
82
4E (End to End Energy Efficiency)
Overview: The scheme has been launched jointly by India SME Technology Ser-
vices Ltd. (ISTSL) in association with the World Bank. The main objective is to
implement energy efficiency measures on an end-to-end basis. For meeting part
costs of (i) capital expenditure including for the purchase of equipment/machin-
ery, installation, civil works, commissioning, etc. (ii) Any other related expendi-
ture required by the unit, provided it is not more than 50% of (i). The scheme by
the Indian government, also, it aims to help startups finance second-hand ma-
chinery/equipment for use.
Eligibility: MSME units in the manufacturing or services sector which are in

operation for at least three years and have earned cash profit in the last two years
of operation are eligible. The startup should not be in default to any bank/FI. The
unit should have undergone a process of Detailed Energy Audit (DEA) through a
technical agency/consultants having BEE certified Energy Auditors. Furthermore,
the Detailed Project Report (DPR) prepared by the technical agency/consultant
should have been vetted by the EEC, SIDBI. Also, the unit should not have availed
a Performance Linked Grant under the WB-GEF Project for the proposed EE Pro-
ject and should be in compliance with the Environment & Social Management
Framework.
Quantum of Assistance: Under the 4E scheme, the MSME unit has to pay only
INR 30,000 and applicable taxes and the balance fee will be paid by SIDBI to audi-
tors. Up to 90% of the project cost with minimum loan amount of INR 10 Lakhs
and maximum loan amount not to exceed INR 150 Lakhs per eligible borrower
can be granted under this scheme. Eligible loan amount should not exceed
one-fifth of the total turnover of the applicant unit. Also, the repayment period
including initial moratorium period of up to six months, shall not be more than
36 months for loans up to INR 100 Lakhs and 60 months for loans beyond INR 100
Lakhs.
Time Period: N/A
83
Pradhan Mantri Mudra Yojana (PMMY)
Overview: MUDRA provides refinance support to banks / MFIs for lending to

micro units having loan requirement upto INR 10 Lakhs. As per recent media
reports, loans extended under the PMMY during 2016-17 have crossed the
target of INR 1.8 Lakh Cr. The estimated number of borrowers in this fiscal were
more than 4 Cr, of which 70% were women. Furthermore, for the fiscal year
2017-18 the target has been kept at INR 2.44 Lakh Crore for Mudra Loans.
Eligibility: Non–Corporate Small Business Segment (NCSB) comprising mil-

lions of proprietorship / partnership firms running as small manufacturing
units, service sector units, shopkeepers, fruits / vegetable vendors, truck opera-
tors, food-service units, repair shops, machine operators, small industries, arti-
sans, food processors and others, in rural and urban areas can apply for the
loan. All kinds of manufacturing, trading and service sector activities can get a
MUDRA loan.
Quantum of Assistance: MUDRA offers incentives through these interven-

tions:
> Shishu: covering loans upto INR 50,000/-
> Kishor: covering loans above INR 50,000/- and upto INR 5 Lakhs
> Tarun: covering loans above INR 5 Lakhs and upto INR 10 Lakhs
Generally, loans upto INR 10 Lakhs issued by banks under Micro Small Enterpris-
es are given without collateral. Also, within these interventions, MUDRA
ensures to meet the requirements of different sectors/business activities as well
as business/entrepreneur segments.
Time Period: N/A
For more details,

visit : https://www.mudra.org.in/Offerings.
84
Stand Up India
Overview: This scheme facilitates bank loans between INR 10 Lakhs and INR 1
Cr to at least one Scheduled Caste or Scheduled Tribe borrower and at least one
women borrower per bank branch for setting up a Greenfield enterprise.
Eligibility: The enterprise can be in trading, manufacturing, or services. In the

case of non-individual enterprises, at least 51% of the shareholding and con-
trolling stake should be held by an SC/ST or woman entrepreneur. The borrower
should not be in default to any bank or financial institution.
Quantum of Assistance: Composite loan between INR 10 Lakhs and INR 1 Cr

to cover 75% of the project cost can be taken up, inclusive of the term loan and
working capital. The stipulation of the loan being expected to cover 75% of the
project cost would not apply if the borrower’s contribution along with conver-
gence support from any other schemes exceeds 25% of the project cost. The
rate of interest would be the lowest applicable rate of the bank for that catego-
ry (rating category) not to exceed (base rate (MCLR) + 3%+ tenor premium).
Time Period: The loan is repayable in seven years with a maximum moratori-
um period of 18 months.
For more details,

Visit : https://www.standupmitra.in/Home/SUISchemes
85
SIDBI Make in India Soft Loan Fund for Micro Small and
Medium Enterprises (SMILE)
Overview: The aim of this scheme is to provide a soft loan, in the nature of
quasi-equity, and term loan on relatively soft terms to MSMEs to meet the
required debt-equity ratio for the establishment of an MSME as also for pursu-
ing opportunities for growth for existing MSMEs.
Eligibility: New enterprises in the manufacturing, as well as services sector,

can apply under this scheme. Existing enterprises undertaking expansion,
modernisation, technology upgradations or other projects for growing their
business will also be covered.
Quantum of Assistance: For general category, 10% of the project cost sub-
ject to a maximum of INR 20 Lakhs is provided as the loan amount. It increases
to 15% for the enterprises promoted by Scheduled Caste (SC) / Scheduled Tribe
(ST) / Persons with Disabilities (PwD), and women, subject to a maximum of
INR 30 Lakhs. Persons belonging to these categories must own controlling
stake (i.e. 51% or higher).
Time Period: On expiry of three years from the date of the first disbursement,
the outstanding soft loan together with any dues thereon shall be converted
into a secured term loan and the entire loan shall carry an applicable rate of
interest as per internal rating of the borrower. The repayment period is gener-
ally upto seven years inclusive of the moratorium upto 1-1/2 year for the term
loan and upto two years for a soft loan.
For more details,

Visit : https://www.sidbi.in/files/sidbi_ebrochure-sfs.pdf.66. Growth
86
Growth Capital and Equity Assistance
Overview:This scheme provides assistance to existing Small and Medium

Businesses in need of capital for growth. The assistance is provided in form of
mezzanine/convertible instruments, subordinated debt and equity (in deserv-
ing cases). This quasi-assistance has a higher moratorium on repayment and a
flexible structuring.
Eligibility: The eligible stakeholders under this scheme include an MSME as

per the definition of Government of India (MSMED Act), SIDBI’s existing custom-
ers (meeting internal rating criteria) and units with past three years of profita-
bility and two years of satisfactory banking credit track record (meeting inter-
nal credit rating criteria). Acceptable external rating from CRISIL, ICRA, D&B,
SMERA etc. would be desirable.
Quantum of Assistance: Under this scheme, the MSMEs are helped to lever-
age equity/sub-debt assistance from SIDBI for raising higher debt funds. It also
helps to avoid the complexities of enterprise valuation, exit issues etc.– associ-
ated with equity investments. Information regarding the amount of growth
capital provided to the MSME enterprises is not available.
Time Period: N/A
87
Biotechnology Industry Partnership Programme (BIPP)
Industry Applicable: Biotechnology Industry Research Assistance Council

(BIRAC)
Overview: The scheme is a government partnership with industries for sup-

port on a cost-sharing basis for path-breaking research in frontier futuristic
technology areas having major economic potential and making the Indian
industry globally competitive. It is focussed on IP creation with ownership
retained by Indian industry and, wherever relevant, by collaborating scientists.
Eligibility: An Indian company, whether small, medium, or large with a

DSIR-recognised in-house R&D unit, is eligible under this scheme. Also, a joint
association of an Indian company and national R&D organisations and institu-
tions; as well as a group of Indian companies along with national research
organisations etc. are eligible.
Quantum of Assistance: The eligible stakeholders are provided support for

high-risk,accelerated technology development especially in futuristic technol-
ogies. Support is also provided for companies working in very high-risk, nation-
ally- and socially-relevant areas, with no assu-
red market. It provides for product evaluation and validation through support-
for limited and large-scale field trial for agriculture products and clinical trials
(Phase I, II, III) for health care products and also supports research project for
novel IP generation.
88
Time Period: There are three calls for proposals in a year: February 15–March
31, June 15–July 31 and October 15–November 30.
For more details,

Visit : http://www.birac.nic.in/desc_new.php?id=216.
Promoting Innovations in Individuals, Startups and

MSMEs (PRISM)

tion providers developing technology solutions aimed at helping MSME cluster.
are eligible.
PRISM Phase-I Category-I: For proof of concept/prototype/models, with project

cost upto INR 5 Lakhs, a maximum of INR 2 Lakhs or 90% of the total project cost
(whichever is less) is provided.
89
PRISM Phase-I, Category-II: For fabrication of working model/ process
know-how/testing & trail/ patenting/ technology transfer, etc. with a
project costing between INR 5 Lakhs to INR 35 Lakhs, a maximum of INR 20
Lakhs or 90% of the total project cost (whichever is less) is given.
Prism-Phase-II: Enterprise incubation, with a project costing between INR 35

cost is provided.
For PRISM-R&D Proposals, up to INR 50 Lakhs limited to 50% of the total project
cost is given.
Time Period: N/A
For more details,

Visit: h t t p s : / / w w w . s t a r t u p i n d i a . g o v . i n / c o n t e n t / s i h / e n / g o v e r n -
Orient Mahila Vikas Yojana Scheme

Overview: The primary objective of the Dena Shakti Scheme is to financially
support the woman entrepreneurs by including all the following activities or
sectors covered under the scheme.
Agency: Oriental Bank of Commerce
Industry Applicable: Micro enterprises and small business
Eligibility: Women entrepreneur, who hold a 51 per cent share capital individ-
ually or jointly in a proprietary concern, are Eligibility the loan..
90
Quantum of assistance: No collateral security is required for loans between
₹10 lakhs to ₹25 lakhs for small-scale industries. The repayment period is seven
years. It also provides a concession on the interest rate of up to 2 per cent.
For more details,

Visit: h t t p s : / / s a v v y w o m e n . t o m o r r o w m a k e r s . c o m / w i s e / g o v e r n -
ment-schemes-can-help-women-entrepreneurs-india-grow-their-small-busi
nesses-article
Bharatiya Mahila Bank Business Loan
Overview: Bharatiya Mahila Bank (BMB) started with the vision of promoting
economic opportunities for women and to set a path towards the women’s eco-
nomic empowerment. The bank creates a platform for woman entrepreneurs to
get business loans. These business loans are intended for most business pur-
poses to meet the requirement of working capital or for business expansion.
Agency: State bank of India
Industry Applicable: Public and Private Limited Companies
Eligibility: The below following are eligible to apply for the Bhartiya
Mahila Bank Business Loan:
• Sole Proprietor
• Partnership Firms
• Public and Private Limited Companies
• Co-operative Society
• Minimum 2 years of work experience; in case of self-employed,
91
• minimum of 2 years of business continuity
• Minimum age of 21 years and maximum age for 60 years
(loan completion age)
• Minimum take home income of Rs. 25000/- per month

• Co-applicant applicable in case of HL and LAP,
Spouse/Par ents/Children
Quantum of assistance: The Bhartiya Mahila Bank is one such bank that
lends the business loan up to the maximum value of Rs. 20 Crores to the manu-
facturing enterprises. It offers a loan to the women entrepreneurs at the con-
cessional rate of interest and grants collateral free loan up to Rs. 1 crore under
CGTMSE cover. The women entrepreneurs offered with the concession of 0.25%
in interest rate. A combo of working capital and term loan. The repayment
tenure is flexible as it can be lasting up to 7 years. There is no need for collateral
for the loan amount up to Rs. 1, 00, 00,000.
For more details,

Visit: h t t p s : / / s a v v y w o m e n . t o m o r r o w m a k e r s . c o m / w i s e / g o v e r n -
ment-schemes-can-help-women-entrepreneurs-india-grow-their-small-busi
nesses-article
Recognition and Registration of In-house R&D units of

Corporate Industries
Overview: The Department of Scientific & Industrial Research (DSIR) is operat-
ing a scheme for granting recognition & registration to in-house R&D units
established by corporate industry. The in-house R&D units applying for recogni-
tion to DSIR are expected to be engaged in innovative research & development
activities related to the line of business of the firm, such as, development of
new technologies, design & engineering, process/product/design improve-
ments, developing new methods
92
of analysis & testing; research for increased efficiency in use of resources, such
as, capital equipment, materials & energy; pollution control, effluent treatment
& recycling of waste products or any other areas of research. Market research,
work & methods study, operations & management research, testing & analysis
of routine nature for operation, process control, quality control and mainte-
nance of day to day production, maintenance of plant are not considered as
R&D activities.
Eligibility:
i. The applicant should be a company registered under the Companies Act,1956

or 2013.
ii. The company shall be eligible for consideration only after the completion of
three financial years after formation.
iii. The applicant should have regular source of income at least during the last
two years to sustain the business and this needs to be elaborated in the appli-
cation.
iv. The companies seeking recognition to their in-house R&D units should be
engaged in manufacture or production or in rendering technical services.
v. Companies fully engaged in contract research are also eligible for

consideration provided independent infrastructure is available for research
activities. Those engaged in research only at present but have plans to start
manufacture at a later date may also be considered for the recognition, if there
is a potential.
vi. The R&D unit(s) should not be located in residential areas but should be
operating in premises authorized by the relevant Central/State Government.
(Proof for such authorization needs to be furnished).
93
vii. Independent infrastructure for research activities and adequate technically
qualified manpower should be available (Minimum area for the R&D activities
should be at least 1000 Sq. ft.).
viii. At the time of application, the R&D unit(s) should be functional and should
have well defined, time-bound R&D programmes leading to development of
innovative products and/or technology(ies).
How to apply?
Companies desirous of seeking recognition to their in-house R&D units should
apply to DSIR online through DSIR website (www.dsir.gov.in) or though the
Portal Link: (http://dsir.csir.res.in/DSIRPrograms/Login/Default.aspx). After suc-
cessful submission of online application send one set of hard copy (PDF, gener-
ated by the system) signed by the MD/whole-time Director of the company to
DSIR along with all uploaded annexures, The applications for Recognition &
Registration should be sent by speed post to:
Shri K.V.S.P. RAO

Scientist 'G' and Head (RDI)
Department of Scientific & Industrial Research
Technology Bhavan, New Mehrauli Road
New Delhi-110 016
Phone: 011-26863805
For more details,

Visit ; http://www.dsir.gov.in/#files/12plan/bird-crf/rdi.html
94
Fiscal Incentives for scientific research
Overview: Department of Scientific and Industrial Research has evolved a

scheme for issuance of a certificate on goods manufactured by a wholly owned
company provided they are designed and developed by a wholly Indian owned
company and patented in any two countries from amongst India, USA Japan
and any one of the European Union, by a wholly Indian owned company.
Eligibility: The goods must be designed, developed and manufactured by a

wholly owned Indian company provided they were patented in the countries as
specified in the notification from Central excise for a specific period.
How to apply: The companies desirous of obtaining such certificates should

apply to the Secretary, Department of Scientific and Industrial Research (Atten-
tion : Advisor, RDI), Technology Bhawan, New Mehrauli Road, New Delhi –
110016 in prescribed application format. The envelope containing the applica-
tion should be superscribed “Application for Excise Duty Exemption for Patent-
ed Products.
For more details,

visit : http://www.dsir.gov.in/#files/12plan/bird-crf/fisr.html
For additional information, Contact:
Phone: (011) 23716582, 23351745
Fax: (011) 23714788
95
Patent Acquisition and Collaborative Research and
Technology Development (PACE)
Overview: The PACE scheme provides catalytic support to industries and
institutions for development and demonstration of innovative product and
process technologies, traversing the journey from proof of concept or labora-
tory stage to pilot stage, so that they can be launched for commercialization.
Eligibility:This scheme shall be open for:
(a) all industries registered in India, having a healthy financial track record or
a promising financial health forecast, preferably those having DSIR recog-
nized in-house R&D units; and also, for
(b) R&D organizations/ academic institutions/ universities;
ii. The R&D organization / academic institution / university for collaboration

with the
industry should have the requisite expertise and track record in the proposed
area of research.
How to apply:
Proposals are invited from innovative and technologically oriented industrial
firms. The Proposals are to be submitted online by logging on to DSIR website:
[www.dsir.gov.in]. Additionally, 5 hard copies of the proposal along with a soft
copy on pen drive are also required to be submitted. These proposals should
be forwarded by the Chief Executive/Managing Director of the industrial units
or head of research/educational institutions to:
Shri Ashwani Gupta

Scientist ‘G’ & Head (PACE)
Department of Scientific & Industrial Research
Technology Bhavan; New Mehrauli Road
New Delhi-110 016.
96
Ph: 011-2686 6123, Fax: 011-2696 0629
Email: ashwani@nic.in
For more details,

Visit : http://www.dsir.gov.in/#files/12plan/pace/pace_g_nov_2017_e.
html
Access to Knowledge for Technology Development and

Dissemination (A2K+)
Overview: Access to Knowledge for Technology Development and Dissem-
ination (A2K+) is a scheme targeted towards developing mechanisms to dis-
seminate science, technology and innovation related information to indus-
tries, research and academic institutions, in-house R&D units of industry, Sci-
entific & Industrial Research Organizations (SIROs), consultants, industry
associations, techno-entrepreneurs, government departments and others.
Technology Development and Utilization Programme for Women (TDUPW)
Description:
The program is aimed to meet specific needs of women and to enhance their
contribution towards technology capability building.
The objectives of the programme are:

• Promoting the adoption of new technologies by women.
• Awareness creation and training of women on technology
related issues with regard to women.
• Promoting Technology up gradation (through technologies
developed by scientific establishments) of micro, small
and medium enterprises run by women Self Help Groups
(SHGs)/ entrepreneurs.
• Showcasing of appropriate technologies developed by
scientific establishments and organizing demonstration
programmes for the benefit of women.
97
• Design and development of products, processes
(by utilizing waste) beneficial to women.
• Diffusion of technologies developed by scientific

establishments for reduction of drudgery and empowerment
of women.
Eligibility: DSIR under its “Technology Development and Utilization Pro-

gramme for Women (TDUPW)” provides assistance for those projects which
are relevant to technology development and utilization by women with spe-
cial emphasis to technologies developed by scientific establishments. In par-
ticular, the projects of the following nature are eligible for assistance:
• Technology development and dissemination, which can reduce

the drudgery, lead to capacity building and
economically empower women. Projects will be supported
in areas like food processing, health and hygiene, nutrition etc.
• Use of technology to promote capacity building and

competitiveness of women.
How to apply: The proposal should be prepared and submitted according

to the format prescribed in the website (http://www.dsir.gov.in/#-
files/12plan/a2k/tdupw_guide.html) , to facilitate quick processing.
Institutions, other than Government, are required to attach the following:

A Copy of registration certificate and a copy of Memorandum of Association
and Rules and Regulations/Trust Deed
Copy of Annual report of last 3 years
Copy of the Auditor’s report of last 3 years
98
The proposal may be submitted any time during the Financial year.
Quantum of Assistance: Assistance can be by way of financial support

(partial or full) and technical guidance.The type of assistance required by the
institution should be clearly indicated in theproposal. However, financial
assistance will be provided only for meeting expenditureon Manpower, Con-
sumables, Basic Equipment, travel within the country etc. Nosupport will be
provided for basic infrastructure and buildings. The assistance will bereleased
in installments and will be linked to specific milestones achieved as per
timeschedule indicated in the proposal. The release would also be dependent
on thecompletion of formalities like submission of progress reports and Utili-
zationCertificates.
For further details

visit : http://www.dsir.gov.in/#files/12plan/a2k/tdupw.html
99
Fresh Mind Ideas
info@startupmission.in
08047180470
0471-2700270
www.startupmission.kerala.gov.in/

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Introduction

The Schemes compiled in this handbook is meant for

Kerala Startup Mission, the apex agency for innova-

Startup Scheme 2 ............................................................................................................. 12

Startup Scheme 3 ............................................................................................................. 13

Startup Scheme 4 .............................................................................................................. 14

Startup Scheme 5 ............................................................................................................. 15

Startup Scheme 6 ............................................................................................................. 16

Startup Scheme 7 ............................................................................................................. 17

Startup Scheme 8 ............................................................................................................. 18

Startup Scheme 9 ............................................................................................................. 19

Startup Scheme 10 ............................................................................................................. 21

Startup Scheme 11 ............................................................................................................. 22

Incubator Scheme 3 ........................................................................................................ 26

Incubator Scheme 4 ........................................................................................................ 27

Incubator Scheme 5 ........................................................................................................ 28

Incubator Scheme 6 ........................................................................................................ 31

Incubator Scheme 7 ........................................................................................................ 32

Student Scheme 2 ............................................................................................................. 34

Student Scheme 3 .............................................................................................................. 36

Student Scheme 4 ........................................................................................................... 37

Student Scheme 5 ........................................................................................................... 38

Student Scheme 6 ........................................................................................................... 39

Student Scheme 8 ............................................................................................................ 41

Student Scheme 10 ......................................................................................................... 42

Student Scheme 11 ......................................................................................................... 43

Student Scheme 12 ......................................................................................................... 44

Student Scheme 13 ......................................................................................................... 45

Student Scheme 14 ......................................................................................................... 46

Student Scheme 15 ......................................................................................................... 47

Student Scheme 16 ......................................................................................................... 49

Student Scheme 16 ......................................................................................................... 50

Student Scheme 17 ......................................................................................................... 50

Student Scheme 18 ......................................................................................................... 51

Student Scheme 20 ......................................................................................................... 54

Student Scheme 21 ......................................................................................................... 55

Student Scheme 22 ......................................................................................................... 56

Student Scheme 23 ......................................................................................................... 57

MSME Scheme 2 .............................................................................................................. 61

MSME Scheme 3 .............................................................................................................. 62

MSME Scheme 4 .............................................................................................................. 63

MSME Scheme 5 .............................................................................................................. 64

MSME Scheme 6 .............................................................................................................. 65

MSME Scheme 8 .................................................................................................................. 66

MSME Scheme 9 .................................................................................................................. 68

MSME Scheme 10 ................................................................................................................ 69

MSME Scheme 11 ................................................................................................................ 70

MSME Scheme 12 ................................................................................................................ 71

MSME Scheme 13 ................................................................................................................ 72

MSME Scheme 14 ................................................................................................................ 74

MSME Scheme 15 ................................................................................................................ 75

MSME Scheme 16 ................................................................................................................ 75

MSME Scheme 17 ................................................................................................................ 76

MSME Scheme 18 ................................................................................................................ 77

MSME Scheme 20 ................................................................................................................ 80

MSME Scheme 21 ................................................................................................................ 81

MSME Scheme 22 ................................................................................................................ 82

MSME Scheme 23 ................................................................................................................ 83

MSME Scheme 24 ................................................................................................................ 84

MSME Scheme 25 ................................................................................................................ 85

MSME Scheme 26 ................................................................................................................ 86

MSME Scheme 27 ................................................................................................................ 87

MSME Scheme 28 ................................................................................................................ 88