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I have no doubt in my mind that we add to the national wealth if we help the small-scale industries. I have no doubt also that true Swadeshi consists in encouraging and reviving these home industries. It also provides an outlet for the creative faculties and resourcefulness of the people. It can also usefully employ hundreds of youths in the country who are in need of employment. It may harness all the energy that at present runs to waste.

SIDBI 2.0

Vision 2.0

To transform as an All India Financial Institution to create an integrated credit and development support role for the Bank by being a Thought Leader, adopting a Credit-plus approach, creating a Multiplier effect and serving as an Aggregator, in the MSME space.

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Direct Loans

SIDBI Make in India Soft Loan Fund for Micro Small and Medium Enterprises (SMILE)
  • Competitive interest rates
  • Funding of part Promoter contribution
SMILE Equipment Finance (SEF)
  • Quicker dispensation of machinery loan
  • Lower Promoters’ Contribution
Loans Under Partnership with OEM
  • Loans for machine purchase from OEMs
  • Quick disbursal
Working Capital (Cash Credit)
  • Single window for TL and WC
  • Seamless approvals
SIDBI Trader Finance Scheme (STFS)
  • Flexible repayment period
  • Lower Promoters Contribution for capex
SIDBI – Loan for Purchase of Equipment for Enterprise’s Development (SPEED)
  • Upto 100% financing
  • Quick sanction and disbursement
SIDBI-Loan for Purchase of Equipment for Enterprise’s Development Plus  (SPEED Plus)
  • Upto 100% financing of high-end machineries
  • Quick sanction and disbursement
  • No immovable property needed as collateral
SIDBI - Retail Loan Scheme for Trade Finance (RLS)

RLS

  • Upto 100% finance for capex / working capital
  • Quick sanction and disbursement
  • Flexible security profile
Top Up Loan for Immediate Purposes (TULIP)
  • Up-to 100% finance based on 10% FD & extension of charge
  • Quicker sanction within 7 days
  • No additional collateral security (except SIDBI FD)
SIDBI Term-loan Assistance for Rooftop Solar PV Plants (STAR)
  • Helping MSMEs to reduce their Power bill
  • Across the segment coverage with 25 KW to 500 KW plants (indicative)
  • Loan Amount: `10 lakh to `250 lakh
  • Quick sanction and fast disbursement

SWAVALAMBAN Bechain Sapno ko Pankh...

An Entrepreneurship Education Knowledge Series

Structural Interventions

MSME space holds within itself myriad opportunities. Time and again SIDBI along with various stakeholders of MSME space has made interventions for the growth & development of MSME ecosystem. Read More

CriSidEx

Effective policy making is a function of the quality of information at hand.

Because data on micro and small enterprises (MSEs) comes with a significant lag, a comprehensive and concise lead + lag indicator of ground-level sentiment becomes a crucial tool for policy makers, lenders, trade bodies, economists, rating agencies and the MSEs themselves.

Till now, there was no such barometer available in India, though indices and sentiment surveys to track large and mid-sized corporates area plenty and have been in existence for decades.

While there have been adhoc surveys by chambers of business and specific agencies as one-time efforts, a continuous survey leading to an index is a first.

MSME Pulse

Information is key to decision making and if it is available at the right time, meaningful interventions can be made.

Since structured data in respect of MSME is not available during the year, no early signs are available to help taking decisions to those who matter and make policies, be it bankers or policy maker A comprehensive document based on close monitoring and tracking of MSME segment providing insights to policy makers, therefore, becomes imperative.

Till date, no such report based on a on a study done on over 5 Million active MSMEs having access to formal credit, with live credit facilities in the Indian banking system, is available.

Microfinance Pulse

The success of microfinance interventions in various parts of the globe has brought recognition to the efficacy of the sector as a potential tool for empowerment and promoting inclusiveness. The microfinance sector in India has made great strides during the last decade by adopting a wide variety of innovations in improving access to financial services to the poor.

As another major sector building initiative, SIDBI has partnered with Equifax for a quarterly report “Microfinance Pulse”. The publication will give an opportunity to look into the future prospects apart from being a repository of all that has taken place in the microfinance sector.

Udyam Abhilasha

  1. Transforming 115 aspirational districts across 28 states that have witnessed the least progress in terms of certain development parameters
  2. Provide orientation to youth about various dimensions of entrepreneurship
  3. Train 13,800 youth for providing a life of dignity by having a source of livelihood.
  4. Expecting at least 20% of the youth to be able to start their own enterprise
  5. Expecting around 10 % participants i.e. 1150 new logins to be made on udyamimitra for availing MUDRA loan

ECOSYSTEM

poverty-image

PRAYAAS

&WOMEN LIVELIHOOD BOND

New dimensions to small enterprise lending

MSME IN FOCUS

Govt plans to rank states on their efforts to promote MSMEs

Govt plans to rank states on their efforts to promote MSMEs

Govt raises turnover threshold for audit of MSME accounts to Rs 5 cr

Govt raises turnover threshold for audit of MSME accounts to Rs 5 cr

Key Budget proposals for MSMEs

Key Budget proposals for MSMEs

RBI Monetary Policy Updates: Repo rate kept unchanged

RBI Monetary Policy Updates: Repo rate kept unchanged

Government to push MSME-made goods through e-tailers

Government to push MSME-made goods through e-tailers

Walmart to open 25 institutes to train 50,000 MSME entrepreneurs

Walmart to open 25 institutes to train 50,000 MSME entrepreneurs

Government tweaks rules to ease subsidy flow to MSMEs

Government tweaks rules to ease subsidy flow to MSMEs

In talks with SBI to jointly run e-commerce portal for MSMEs: Nitin Gadkari

In talks with SBI to jointly run e-commerce portal for MSMEs: Nitin Gadkari

Working on MSMEs reforms to push its GDP share to 50%: Nitin Gadkari

Working on MSMEs reforms to push its GDP share to 50%: Nitin Gadkari

Uttar Pradesh MSME units double in three years, open job avenues

Uttar Pradesh MSME units double in three years, open job avenues