BANKS MSME POLICY 2013-14

Salient features of Banks MSME policy:

The Bank continues to lay emphasis on financing Micro, Small & Medium enterprises
Policy Package of Govt. of India 2008 shall continued to be supported and popularized
amongst our branches.
Banks Endeavor is to achieve high growth in MSME advances .
Industrial units in the clusters shall be financed.
The Bank has specialized 11 MSME branches namely Reid Road Ahmedabad, Dhuri ,
Batala, Kukar Majra , Mandi Gobindgarh, Panipat , Phase V Mohali ,Ludhiana,
Jalandhar, Godhewala and Lalru to support finance to MSME units. The Bank will
endeavor to consider opening more such branches in the coming years.
The various service sector enterprises shall be financed taking advantage of the new
investment limits in equipment under MSMED Act 2006.
The Bank is financing loans up to Rs.100 lakh for Small Enterprises under the Credit
Guarantee Scheme of CGTMSE. The Bank has made a provision to bear upfront
guarantee fee /ASF for loans upto Rs.5 lac under the scheme.
In line with RBIs policy of Financial Inclusion, micro-finance (SHG-Bank Linkage
Programme) has been identified as one of the thrust area for lending.
The MSME segment is broadly classified as under:

Particulars Investment in Plant &
Machineries of Manufacturing
Enterprises
Investment in Equipments of
Service Sector Enterprises
Micro Enterprises Upto Rs. 25/- lacs Upto Rs.10/- lacs
Small Enterprises Above Rs. 25/- lacs and upto Rs.5
crore
Above Rs.10/- lacs and upto
Rs.2 crore
Medium Enterprises Above Rs. 5 crore and upto Rs. 10
crore
Above Rs. 2 crore and up to Rs.
5 crore

1 Definition of Micro, Small and Medium Enterprises As per Micro, Small and Medium
Enterprises, Development Act 2006

I. Enterprises engaged in the manufacture or production, processing or preservation of goods as
specified below:
(i) A micro enterprise is an enterprise where investment in plant and machinery does not
exceed Rs. 25 lakh;
(ii) A small enterprise is an enterprise where the investment in plant and machinery is more
than Rs. 25 lakh but does not exceed Rs. 5 crore;
(iii)A medium enterprise is an enterprise where the investment in plant and machinery is
more than Rs.5 crore but does not exceed Rs.10 crore.

In case of the above enterprises, investment in plant and machinery is the original cost excluding
land and building and the items specified by the Ministry of Small Scale Industries vide its
notification No.S.O. 1722(E) dated October 5, 2006.

II. Enterprises engaged in providing or rendering of services and whose investment in
equipment (original cost excluding land and building and furniture, fittings and other items
not directly related to the service rendered or as may be notified under the MSMED Act,
2006) are specified below.
(i) A micro enterprise is an enterprise where the investment in equipment does not exceed
Rs. 10 lakh;
(ii) A small enterprise is an enterprise where the investment in equipment is more than
Rs.10 lakh but does not exceed Rs. 2 crore; and
(iii)A medium enterprise is an enterprise where the investment in equipment is more than
Rs. 2 crore but does not exceed Rs. 5 crore.

These will include small road & water transport operators, small business, retail trade,
professional & self-employed persons and all other service enterprises.
Lending to medium enterprises shall not be considered for the purpose of computing of advances
to priority sector.

2. Khadi and Village Industries Sector (KVI)
All advances granted to units in the KVI sector, irrespective of their size of operations, location
and amount of original investment in plant and machinery shall be covered under priority sector
advances and shall be eligible for consideration under the sub-target (60 per cent) of the micro
enterprises segment within the MSE Sector.

3. Indirect Finance
Persons involved in assisting the decentralised sector in the supply of inputs and
marketing of outputs of artisans, village and cottage industries.
Advances to cooperatives of producers in the decentralised sector viz. artisans, village
and cottage industries.
Loans granted by banks to NBFCs for on-lending to Micro and Small Enterprises (MSE)
sector (manufacturing as well as service).

4. Assets eligible as priority sector advances

Securitised Assets

(i) Investments by banks in securitised assets, representing loans to various categories of priority
sector, except 'others' category, are eligible for classification under respective categories of priority
sector (direct or indirect) depending on the underlying assets provided:

(a) the securitised assets are originated by banks and financial institutions and are eligible to be
classified as priority sector advances prior to securitisation and fulfil the Reserve Bank of India
guidelines on securitisation.

(b) the all inclusive interest charged to the ultimate borrower by the originating entity should not
exceed the Base Rate of the investing bank plus 8 percent per annum.


The investments in securitised assets originated by MFIs, which comply with the guidelines as given at
Point No.3 Indirect Finance , exempted from this interest cap as there are separate caps on margin and
interest rate.

(ii) Investments made by banks in securitised assets originated by NBFCs, where the underlying
assets are loans against gold jewellery, are not eligible for priority sector status.

Transfer of Assets through Direct Assignment /Outright purchases

(i) Assignments/Outright purchases of pool of assets by banks representing loans under various
categories of priority sector, except the 'others' category, will be eligible for classification under
respective categories of priority sector (direct or indirect) provided:

(a) The assets are originated by banks and financial institutions and are eligible to be classified as
priority sector advances prior to the purchase and fulfil the Reserve Bank of India guidelines on
outright purchase/assignment.

(b) the eligible loan assets so purchased should not be disposed of other than by way of repayment.

(c) the all inclusive interest charged to the ultimate borrower by the originating entity should not
exceed the Base Rate of the purchasing bank plus 8 percent per annum.
The assignments/Outright purchases of eligible priority sector loans from MFIs, which comply with the
guidelines as given at Point No.3 Indirect Finance are exempted from this interest rate cap as there are
separate caps on margin and interest rate.

(ii) When the banks undertake outright purchase of loan assets from banks/ financial institutions to be
classified under priority sector, they must report the nominal amount actually disbursed to end
priority sector borrowers and not the premium embedded amount paid to the sellers.

(iii) Purchase/ assignment/investment transactions undertaken by banks with NBFCs, where the
underlying assets are loans against gold jewellery, are not eligible for priority sector status.

Inter Bank Participation Certificates bought by Banks

Inter Bank Participation Certificates (IBPCs) bought by banks, on a risk sharing basis, shall be
eligible for classification under respective categories of priority sector, provided the underlying
assets are eligible to be categorized under the respective categories of priority sector and the banks
fulfill the Reserve Bank guidelines on IBPCs.













5. Targets:
(i) Bank is expected to enlarge credit to priority sector and ensure that priority sector
advances (which include the micro and small enterprises (MSE) sector) constitute 40 per
cent of Adjusted Net Bank Credit (ANBC) or credit equivalent amount of Off-Balance
Sheet Exposure, whichever is higher.

(ii) In terms of the recommendations of the Prime Ministers Task Force on MSMEs, Bank is
to achieve a 20 per cent year-on-year growth in credit to micro and small enterprises and
a 10 per cent annual growth in the number of micro enterprise accounts.

(iii)In order to ensure that sufficient credit is available to micro enterprises within the MSE
sector, Bank shall ensure that:
a) 40 per cent of the total advances to MSE sector should go to micro (manufacturing)
enterprises having investment in plant and machinery up to Rs. 10 lakh and micro
(service) enterprises having investment in equipment up to Rs. 4 lakh;

b) 20 per cent of the total advances to MSE sector should go to micro (manufacturing)
enterprises with investment in plant and machinery above Rs. 10 lakh and up to Rs.
25 lakh, and micro (service) enterprises with investment in equipment above Rs. 2
lakh and up to Rs. 10 lakh. Thus, 60 per cent of MSE advances should go to the micro
enterprises.

c) While Bank is to achieve the 60% target as above, in terms of the recommendations
of the Prime Ministers Task Force, the allocation of 60% of the MSE advances to the
micro enterprises was to be achieved in stages viz. 55% in the year 2011-12 and 60%
in the year 2012-13.

(iv) Field functionaries to make concerted efforts to provide credit cover on an average to at
least 5 new Micro & Small enterprises at each semi urban / Urban branch per month.

6. Disposal of Applications:
All loan applications for MSE units upto a credit limit of Rs. 25,000/- should be disposed
of within 2 weeks and those upto Rs.5 lakh within 4 weeks provided, the loan
applications are complete in all respects and accompanied by a " check list".

If the borrower gets his account rated by an outside rating agency the application should
be disposed off within 20 days.

7. Collateral security
Bank is mandated not to accept collateral security in the case of loans upto Rs.10 lakh
extended to units in the MSE sector.
Bank to extend collateral-free loans upto Rs. 10 lakh to all units financed under the Prime
Minister Employment Generation Programme of KVIC.
To encourage MSE lending under Credit Guarantee Scheme, Bank shall bear upfront
guarantee fee/annual service fee for MSE loans upto Rs 5 lacs without passing the burden
to the entrepreneurs.
Cases not covered under CGTMSE would be dealt with as specified in the loan policy of
the Bank

8. Composite loan
A composite loan limit of Rs.1 crore can be sanctioned by bank to enable the MSE entrepreneurs
to avail of their working capital and term loan requirement through Single Window.

9. Specialised MSME branches
Bank has converted eleven general branches into SME Branches viz, Reid Road Ahmedabad,
Dhuri, Batala, Kukar Majra , Mandi Gobindgarh, Panipat , Phase V Mohali .Ludhiana,
Jalandhar, Godhewala and Lalru for extending credit to MSMEs. Bank shall endeavour to
categorize some more of its general branches having 60% or more of their advances to SME
sector as SME branches for providing better service to this sector as a whole. Though their core
competence will be utilized for extending finance and other services to MSME sector, they will
have operational flexibility to extend finance/render other services to other sectors/borrowers.
Bank shall ensure opening of MSME branches in identified clusters/centres with preponderance
of small enterprises to enable the entrepreneurs to have easy access to the bank credit and to
equip bank personnel to develop requisite expertise.

10. Delayed Payments:
To help MSME sector overcome their financial crisis the sanctioning authorities while
appraising/ sanctioning the proposals of large corporate should persuade them to expedite
payment of dues , if any, to MSME sector

11. Cluster Approach:
A cluster based approach to lending is more beneficial:
a) in dealing with well-defined and recognized groups;
b) availability of appropriate information for risk assessment and
c) monitoring by the Bank.

Special emphasis is laid to adopt Cluster approach in MSME lending in 388 clusters identified
by UNIDO in order to have better proximity and intensive lending in particular area where
required infrastructure facilities are available.

All Zones to identify at least one food processing activity cluster in their area for financing.
Lead Bank at Moga, Ludhiana & Faridkot districts to adopt at least one MSE cluster and explore
opening more MSE focused branches at different MSE clusters which can act as counseling
centers for MSEs.

12. Risk Weight & Exposure Cap:

With the implementation of Basel-II guidelines SMEs falling under corporate category in terms of
Banks loan policy and rated by the RBI approved external credit rating agency, the risk weights,
for long term and short term claims would be applied as under:

Long term claims Risk weights
Domestic Rating
Agencies
AAA

AA A BBB BB &
Below
Unrated
Risk weight 20 % 30% 50 % 100 % 150% 100 %

Short term claims Risk weights
Short Term Rating Risk Weights
CARE CRISIL Fitch ICRA
PR1+ P1+ F1+ A1+ 20%
PR1 P1 F1 A1 30%
PR2 P2 F2 A2 50%
PR3 P3 F3 A3 100%
PR4 & PR 5 P4 & P 5 B, C, D A4 / A5 150%
Unrated Unrated Unrated Unrated 100%

All exposures of less than or one year would be considered as short term exposures. The exposure
caps as defined for individual and groups would be governed by RMD Circulars as amended from
time to time.

13. Margins:

(a) For Term Loan
In case of Machinery/Factory land & building Min. margin 25%
(b) For Working Capital
Hypothecation/ Pledge of Stocks Min. margin 25%
Hypothecation of Book Debts Min. margin 35%

14. Sanctioning Authority:
At the present, existing discretionary lending powers delegated to various authorities as
contained in banks various circulars issued from time to time will continue to be in force and
operative.


15. Other avenues for financing MSMEs:
a) Professionals, Traders, Micro & Small Enterprises financing through NBFCs/ Micro
Financing Institutions (MFIs) which lend to the MSE.
b) Lending under Net Equity Fund Scheme (NEF) of SIDBI shall be improved.
c) Extending credit to activities such as Hotels , Motels , Hospitals , Educational Institutions ,
Canteens , restaurants , retail Trade etc. which are now considered as SMEs .
d) Industry Linked MSMEs


16. Rating:
a) All the MSME borrowers, except consortium cases, where it will be the responsibility of
Lead Bank to get the account rated, with aggregate funded/non funded exposure of Rs.2
Crores and above from our Bank, to obtain credit rating from any of these agencies like
Credit Analysis & Research Ltd., CRISIL Ltd., Dun & Bradstreet (D&B) Information
Services India P Ltd., Fitch Rating India P. Ltd., ICRA Ltd., ONICRA, Credit Rating Agency
of India Ltd, SMERA etc. The fee shall be paid upfront by the borrower to the rating agency.
The sanctioning authority for cases between Rs.2 crores and upto Rs.5 Crores may exempt
these borrowers from this rating exercise on his satisfaction and recording the reasons for this
waiver.

b) The borrower shall get his account rated on its expiry of validity on ongoing basis and that
his rating shall remain valid at the time of renewal /enhancement.

c) SME Rating Agency of India Ltd (SMERA),ICRA and ONICRA has entered into a MOU
with our Bank to provide comprehensive rating services to SME clients of the bank.The
rating fees charged by SMERA is very competitive . It is further subsidized to the extent of
75% by National Small Industries Corporation (NSIC) for eligible SSI units i.e. units
holding valid SSI certificates issued by the competent authority will have to bear only 25%
of the prescribed fees by SMERA,ICRA and ONICRA . NSIC acts as a nodal agency for
providing subsidy.

17. Pricing & Rate of Interest: Interest on MSME loans shall be levied in terms of guidelines
issued by Advances Deptt. from time to time.

18. Nature & Type of loan:
Funded and non-funded credit facilities shall be allowed to these borrowers.

Loans be allowed in the shape of Term Loans for tenors ranging upto 10 years and demand
loans in the shape of working capital, which would be renewed every year.

Further, the non-fund and other facilities such as BG/LC/DPG/Bill discounting etc would be
allowed after proper assessments of the requirements of the party.


19. Computation of Working Capital:
The working capital requirements be worked out on the basis of Naik Committee
recommendations for working capital limits upto Rs.5 crores, from the banking system, on the
basis of a minimum of 20 % of their projected annual turnover for new as well as existing
units, beyond which working capital be computed on the basis of the working capital cycle,
after fixing proper margins.


20. Processing Charges:
Processing charges shall be as applicable in terms of I.D.Circular No.1657 dated 29.05.2012
and as per revision made from time to time issued by HO Advances Department.



21. Guidelines on takeover of borrowable accounts:

a) Confidential report should be obtained by the Bank prior to the takeover of the account
from the previous bank/Financial Institution with whom the borrower is banking or
enjoying credit facilities.
b) The borrowal accounts with other bank /financial institution should have been classified
as Standard Asset.

c) In case of new accounts coming to us and already availing credit facility from other
bank, interest rate shall be charged as per the Risk Pricing Policy of our Bank in force.

d) Business Activity of the borrower is in consonance with prevalent policy of the bank
to encourage/discourage lending to such type of business activity.

e) Takeover is as per ground rules of the consortium in case of consortium account
where share of an existing member bank is being taken over.

f) The formalities, such as, fresh documentation, transfer of securities etc; should be
completed as expeditiously as possible and it should be ensured that the
bank's interests are fully protected. Payment towards adjustment/liquidation of dues of
the existing Bank/FI should be made directly to them, as far as possible.

g) At the time of the take-over, the bank shall make an independent assessment of the
credit requirements of the borrower by calling for complete financial, production
and sales data, as also the latest annual accounts of the borrower, so that the
borrower's genuine credit needs are fully met by that bank.


22. Special Package for Promotion of Micro & Small Enterprises:
Complying with the Special Package of GOI/IBA on MSMEs, Bank issued guidelines to
field functionaries vide HO: PS Circular No.378 dated 20.12.08 for implementation of the
said package viz. extending adhoc WCDL up to 20% of the existing fund based limit,
sanctioning increased WC limits, reduction in margin on receivables from 35% to 25%
Rescheduling / Rephasing of Term Loans, allowing moratorium period with in the maximum
repayment period of 10 years, addressing the power problems , & establishing MSME Care
Centres.

23. Debt Restructuring Mechanism for MSMEs

The guidelines on rescheduling/ rephrasing of term loans have been issued by HO. Advances
department vide its I.D Circular Nos.1611 dated 18.12.08, 1612 dated 20.12.2008,ID
Circular No.1652 dated 30.01.2012 as amended from time to time, the latest being ID
Circular No.12/2013 dated 18.06.2013.


24. Guidelines on rehabilitation of sick units:
As per the definition, a unit is considered as sick when any of the borrowal account of the
unit remains substandard for more than 3 months or more OR there is erosion in the net
worth due to accumulated cash losses to the extent of 50% of its net worth during the
previous accounting year. The criteria enables bank to detect sickness at an early stage and
facilitate corrective action for revival of the unit. As per the guidelines, decision on viability
of 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. During this six months period
of identifying and implementing rehabilitation package bank to do holding operation
which will allow the sick unit to draw funds from the cash credit account at least to the extent
of deposit of sale proceeds.

25. Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE)

The Scheme Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE)
shall cover new or existing Micro and Small enterprises for credit facilities up to Rs. 100
lakhs (Term Loan and / or Working Capital, both fund and non fund based) for viable
projects in respect of single eligible borrower, without collateral Security and/or Third Party
Guarantee.

The eligibility for guarantee cover, maximum extent of guarantee available, etc under Credit
Guarantee Scheme shall be as prescribed by Credit Guarantee Fund Trust for Micro & Small
Enterprises (CGTMSE) from time to time.

The lock in period for invoking claims in respect of loans covered under Credit Guarantee
Scheme shall be as prescribed by Credit Guarantee Fund Trust for Micro & Small Enterprises
from time to time

26. Credit Linked capital subsidy scheme for Technology Upgradation of Small Scale
Industries (CLCSS)

In terms of Office Memorandum No. 22/CLTUC/Scheme/06/Vol-III dated 12.07.2012, O/o
Development Commissioner (MSME) has informed that the Scheme is approved for
implementation till the end of XI Plan and for proposal of its continuation in the XII Plan is
being processed. They have directed to continue to accept applications & process the same
for release of subsidy during the current year 2013-4.

27. Technology Up-gradation / Establishment / Modernization of Food Processing
Industries

The Ministry of Food Processing Industries (MFPI) in terms of letter no. F No.3-3/2010-PC
dated 23.03.12 have informed that the Ministry proposes to launch a new Centrally
Sponsored Scheme (CSS) National Mission on Food Processing (NMFP) during 12
th
Plan
to be implememted through States/ UTs. The Scheme for Technology Up-gradation /
Establishment / Modernization / Expansion of Food Processing Industries shall henceforth be
implemented as part of the NMFP.Accordingly, it has been decided by the Ministry that fresh
applications under the scheme through e-portal system will not be accepted in the Ministry of
Food Processing Industries w.e.f. 1.4.2012.




28. Common Application Form:
Bank has adopted the simplified loan application form along with checklist to be used for all
categories of Micro & Small Enterprises borrowers irrespective of loan amount.

29. CODE OF BANKS COMMITMENT TO MICRO AND SMALL ENTERPRISES

Code of Banks Commitment to Micro & Small Enterprises prepared by Banking Codes and
Standards Board of India (BCSBI) is a voluntary code, which sets minimum standards of
banking positive bank to follow when they are dealing with its Micro and Small Enterprise
customers to provide easy, speedy and transparent access to banking services in their day to day
operations and in times of financial difficulty. Copy of the same has been circulated to Zonal
offices for onward circulation to branches and the same is also placed on the Banks website for
reference.

30. Capacity Building of staff: Complying with the recommendations of task force on MSME,
Bank has decided to reimburse full course fee to officers for acquiring Specialized courses run
by Indian Institute of Banking and finance on the subject of SME finance.


31. Miscellaneous
a) To help MSME sector overcome their financial crisis the sanctioning authorities while
appraising/ sanctioning the proposals of large corporates should persuade them to
expedite payment of dues, if any, to MSME sector

b) Bank has established Rural Development & Self Employment Training Institutes
(RSETIs) in 3 lead districts in Punjab namely Ludhiana, Moga and Faridkot to achieve
the following objectives

c) To Identify, orient, motivate as well as train and assist the unemployed youth to take up
self employed ventures, take care of research and development activities in
entrepreneurship and rural development , provide counseling and project counseling
activities of different MSME clusters

d) In line with the RBIs policy of Financial Inclusion, micro finance (SHG-Bank
Linkage Programme) has been identified as one of the thrust area for lending.

e) Banks Recovery Management Policy and guidelines for settlement /write off in borrower
accounts duly approved by Board of Directors is being implemented in terms of H.O:Law
& Recovery Deptt. Circular No.226 dated 22.05.2013.











Annex. I

MINISTRY OF SMALL SCALE INDUSTRIES NOTIFICATION New Delhi,
No.SO.1722 (E) Dated 5
th
October 2006

S.O. 1722(E) In exercise of the powers conferred by sub-section (1) of 2006) herein referred to
as the said Act, the Central Government specifies the following items, the cost of which shall be
excluded while calculating the investment in plant and machinery in the case of the enterprises
mentioned in Section 7(1)(a) of the said Act, namely:

(i) Equipment such as tools, jigs, dyes, moulds and spare parts for maintenance and the
cost of consumable stores;
(ii) Installation of plant and machinery;
(iii) Research and development equipment and pollution control equipment.
(iv) Power generation set and extra transformer installed by the enterprise as per
regulations of the State Electricity Board;
(v) Bank charges and service charges paid to the National Small Industries Corporation
or the State Small Industries Corporation;
(vi) Procurement or installation of cables, wiring, bus bars, electrical control panels (not
mounded on individual machines), oil circuit breakers or miniature circuit breakers
which are necessarily to be used for providing electrical power to the plant and
machinery or for safety measures;
(vii) Gas producer plants;
(viii) Transportation charges (excluding sales-tax or value added tax and excise duty) for
indigenous machinery from the place of the manufacture to the site of the
enterprise;
(ix) Charges paid for technical know-how for erection of plant and machinery;
(x) Such storage tanks which store raw material and finished products and are not
linked with the manufacturing process; and
(xi) Firefighting equipment.

While calculating the investment in plant and machinery referred to in paragraph 1, the original
price thereof, irrespective of whether the plant and machinery are new or second hand, shall be
taken into account provided that in the case of imported machinery, the following shall be
included in calculating the value, namely;
(i) Import duty (excluding miscellaneous expenses such as transportation from the port to
the site of the factory, demurrage paid at the port);
(ii) Shipping charges;
(iii) Customs clearance charges; and
(iv) Sales tax or value added tax.


---- Sd ----
(F.No.4 (1)/2006-MSME- Policy)
JAWHAR SIRCAR, Addl. Secy.




Annex. II

Indicative List of activities considered as Services:

Small road & water transport operators
Small business
Professional & Self-employed persons
Consultancy Services including Management Services
Renting of Agricultural machinery
Composite Broker Services in Risk & Insurance Management
Third party administration (TPA) Services for medical insurance claims of policy holders
Seed Grading Services
Training cum-Incubator centre
Educational Institutions
Training Institutes
Retail Trade
Practice of Law i.e. legal Services
Training in medical instruments (brand new)
Placement and management consultancy services
Advertising agency and Training centers
Sanitation Services (Hiring of Septic Tank Cleaner)
Clinical / Pathological Laboratories and scanning, MRI Tests
Hospitals
Agri Clinic and Agri Business
Restaurants with Bar
Canteens
Hotels
Motel Industry
Development of Software and providing Softare Services.
Publishing
Advertising Agencies
Marketing Consultancy
Industrial Consultancy
Equipment Rental & Leasing
Typing Centres
Photocopying centres (Xeroxing)
Industrial Photography
Industrial R&D Labs
Industrial Testing Labs
Desk Top Publishing
Internet Browsing/ Setting up of Cyber Cafes
Auto Repair, Services and Garages
Documentary Films on themes like family planning, social forestry, energy conservation and
commercial
advertising
Laboratories engaged in testing of raw materials, finished products
Servicing Industry Undertakings engaged in maintenance, repair, testing or servicing of all
types of vehicles &machinery of any description including electronic/electrical
equipment/instruments, i.e., measuring/control instruments, televisions, tape recorders, VCRs,
radios, transformers, motors, watches, etc.
Laundry & Dry-cleaning
X-Ray Clinic
Tailoring
Servicing of Agricultural Farm equipment, e.g., Tractor, Pump, Rig, Boring Machines, etc.
Weigh Bridge
Photographic Lab
Blue printing and enlargement of drawing/designs facilities
ISD/STD Booths
Teleprinter/FAX services
Sub-contracting Exchanges (SCXs) established by Industry Associations
EDP Institutes established by Voluntary Associations/ Non-Government Organisations
Coloured, and Black and White Studios equipped with processing laboratory
Ropeways in hilly areas
Installation and operation of Cable TV Network
Operating EPABX under franchises
Beauty Parlours and Creches
Nursing Home / clinics
Courier Services
Architecture designers
Events Management
Catering
Gems & Jewellery designing.


NOTE:
Piggery Farm without Bacon processing shall not be classified either as manufacturing or as service
enterprise because this is a farming activity.