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Small Scale Industry

(Rural Banking & Microfinance)

By: Somya Agrawal

Small Scale Industry


A small scale industry (SSI) is an
industrial undertaking in which the
investment in fixed assets in plant &
machinery, whether held on ownership
term or on lease or hire purchase, does
not exceed Rs. 1Crore.
However, this investment limit is varied
by the Government from time to time.

Registration
Not compulsorily required.
If registered with State Directorate or
Commissioner of Industries or DIC's makes
the unit eligible for availing different types
of Government assistance.
Financial
Assistance

Medium And
Long Term
Loans

Machinery On
Hire-purchase

Special
Schemes For
Promotion Of
SSI

Organizations Promoting SSIs


The Ministry of Micro, Small and Medium Enterprises

Role of SSI
Promotes
Indigenization
Supports
Employment
Mobilization
Equitable
Balanced
Better
industrial
the
regional
distribution
exports
of
generation
growth
resources
relations
development
ofoflarge
income
and industries
entrepreneurial skill
80% of industrial
employment

40% of Exports

Problems & Challenges Faced by


SSIs
Problem of
skilled
manpower

Inadequate
credit
assistance

Irregular
supply of
raw
material

Lack of
machinery
and
equipment

Absence of
adequate
infrastruct
ure

Competitio
n

Absence of
organized
marketing

Other
problems

Role of SFC
Providing long term finance to industrial enterprises
having sole proprietary, partnership, company and
co-operative society form of business organization.
Provide working capital loans and meeting various
short-term needs of their clients.
Subscribing equity and debentures of industrial
enterprises.
Providing financial assistance to small and medium
enterprises engaged in service sector.

Project advisory and Finance


Project conceptualization and related services, including guidance
in relation to selection of projects, preparation of feasibility
studies, capital structuring, techno economic feasibility, financial
engineering, project management design etc.
Credit Syndication including assistance in legal documentation etc.
Documentation of various project documents
Placement of debt equity including design of the structure of
instruments,placement of instruments with financial institutions,
bank etc

Assist in organizational structural


changes
Analysis of operational performance
Study of existing organizational structure
Study of the existing position and rules and
regulations
Market analysis with respect to products
Review of domestic and international scenario
Valuation of fixed assets and inventory
Advising on formation of new entity
Preparation of relevant agreements / legal documents.
Legal Advisory Services

Questions???

Thank You !!!

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