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Original
Investment
P&M of Manufacturing
in Original
investment
equipment of Service
in
Micro
Small
Medium
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Bank loans above 5 crore per borrower / unit to Micro and Small
Enterprises and 10 crore to Medium Enterprises engaged in providing
or rendering of services and defined in terms of investment in
equipment under MSMED Act, 2006, shall not be reckoned in computing
achievement under the overall Priority Sector targets as above.
However, bank loans above 5 crore per borrower / unit to Micro and
Small Enterprises would be taken into account while assessing the
performance of the banks with regard to their achievement of targets
prescribed by the Prime Ministers Task Force on MSMEs for lending to
MSE sector.
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to open at least one specialised branch in each district. Further, banks have
been permitted to categorise their general banking branches having 60% or
more of their advances to MSME sector as specialised MSME branches in
order to encourage them to open more specialised MSME branches for
providing better service to this sector as a whole.
5. Structured Mechanism for monitoring the credit growth to the MSE sector
To make system of monitoring, at all stages and levels, more effective & to
step up credit flow to the sector RBI has advised to implement the following
recommendations:
Strengthen their existing systems of monitoring credit growth to the sector
and put in place a system driven comprehensive performance management
information system (MIS) at every supervisory level should be critically
evaluated on a regular basis;
Put in place a system of e-tracking of MSE loan applications and monitor the
loan application disposal process in banks.
Monitor timely rehabilitation of sick MSE units.
The guidelines has been circulated vide our circular no. HO: RD &PS:37: 201314:541 dated 02.09.2013.
6. Disposal of Applications
The revised time frame for disposal of loan applications of MSE borrowers in
line with BCSBI-Code of Banks Commitment to Micro and Small Enterprises
(MSE) are as under:
Size of Limit
Time norms for disposal
Loans upto 5 Lacs
Within two weeks of receipt of loan application
provided it is complete in all respects and duly
accompanied by a check list.
Loans above 5 Lacs and Within three weeks of receipt of duly completed
upto 25 Lacs
loan application provided it is complete in all
respects and duly accompanied by a check list.
Loans above 25 Lacs
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Micro Enterprise
50% of amount in
default above 50
lacs
subject
to
overall ceiling of
50 lacs.
80% of the amount in default 40 lacs plus 50%
amount
in
subject to a maximum of ` 40 Lacs of
default above 50
lacs
subject
to
overall ceiling of
50 lacs.
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to
BR
BR+1.00
BR+0.50
BR+1.00
BR+1.50
BR+2.00
BR+2.50
6& Below
BR+3.00
12. Code of Bank's Commitment to Micro and Small Enterprises (MSE Code)
The Banking Codes and Standards Board of India (BCSBI) has released the
Code of Bank's Commitment to Micro and Small Enterprises (MSE Code). This
is a code reflecting the banks positive commitment to its MSE customers to
provide easy, speedy and transparent access to banking services in their day
to day operations and in times of financial difficulties. The code is not only a
charter of Rights of the MSEs, but also enshrines their obligations vis--vis
their banks.
Some of the important commitments are:
Policy pertaining to MSME advances 2015-16
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A. Making available, free of cost, a copy of the Code to all MSE customers and
a standardized Loan Application Form with a check list indicating all that is
required to be submitted with the application.
B. Setting categorical time frames for disposal of credit application, disbursal
of loan sanctioned, effecting pledges/deliveries, increasing drawing power,
assessing viability and working out a rehabilitation package, etc.
C. Providing information about interest rates, fees and charges upfront so that
the MSE can make a meaningful comparison with those of other banks and
take an informed decision.
D. Placing the Banks policy relating to MSEs in public domain and
E. Endeavoring to provide facilities to a Single Window Mechanism and Credit
counseling services.
As per directions of the BCSBI, the MSE Code has been placed on Bank's
website and copy of the MSE Code is also available at Branches for Micro and
Small Enterprises customer.
13. Rehabilitation of Sick Micro and Small Enterprises
Based on the recommendation of the Committee set up by MoMSME, revised
guidelines for rehabilitation of sick units in the MSE sector have been
circulated vide our circular no. HO: RD &PS:57: 2012-13:652 dated 29.11.2012.
As per the new guidelines, MSE unit (as defined in the MSMED Act 2006) said
to have become Sick, if (a) any of the borrowal account of the enterprise
remains NPA for three months or more OR (b) there is erosion in the net worth
due to accumulated losses to the extent of 50% of its net worth during the
previous accounting year.
The revised guidelines also provide the procedures to be adopted by the
banks before declaring any unit as unviable. Bank has been advised that the
decision on viability of the unit should be taken at the earliest but not later
than 3 months of becoming sick under any circumstances and the
rehabilitation package should be fully implemented within six months from the
date the unit is declared as 'potentially viable' / 'viable'.
14. Debt Restructuring Mechanism for MSME
As per directives/ guidelines from Reserve Bank of India and Govt. of India,
the Debt Restructuring Scheme (DRS) for Small and Medium Enterprises has
been revised and approved by the Board vide B.R. No. PS-48 dated 30.01.2012.
The revised guidelines for debt restructuring scheme for small and medium
enterprises (SMES) has been circulated vide our circular No. HO: RD &PS:68 :
2011-12:775 dated 31.01.2012.
The prudential guidelines on Debt Restructuring Mechanism for MSME have
been revised vide RBI circular no. RBI/2012-13/514/DBOD. BP. BC. No. 99/
Policy pertaining to MSME advances 2015-16
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Annexdure-I
Name of Branch
District
State
AGRA
FIROZABAD SSI
Agra
Uttar Pradesh
AHMEDABAD
MORBI
Rajkot
Ahmedabad
AMRITSAR
AMRITSAR-SSI BATALA
ROAD AMRITSAR
Amritsar
Punjab
CHANDIGARH
LALRU-SSI
Mohali
Punjab
CHANDIGARH
Solan
Himachal Pradesh
GHAZIABAD
SAHIBABAD-SSI
Ghaziabad
Uttar Pradesh
GHAZIABAD
NOIDA-SECTOR 27
G.B.Nagar
Uttar Pradesh
GHAZIABAD
NOIDA-SSI BHANGEL
G.B.Nagar
Uttar Pradesh
GURGAON
MANESAR
Gurgaon
Haryana
10
JALANDHAR
JALANDHAR-INDUSTRIAL
Jalandhar
AREA
Punjab
11
KARNAL
PANIPAT-SSI
Panipat
Haryana
12
KOLKATA
KOLKATA-SSI
Kolkata
West Bengal
13
LUDHIANA
LUDHIANA-SSI
Ludhiana
Punjab
14
PATIALA
RAJPURA-SSI
Patiala
Punjab
15
PATNA
JAMSHEDPUR-SSI
ADITYAPUR
Singbhoom
Patna
16
ROHTAK
Haryana
Annexure II
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