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“Balika Samrithi Yojana” by the Dept of Women & Child Development, Govt of Pondicherry was introduced to improve the status of the girl child and provide nutritious food to the girl child. Financial assistance of ₹500 in the form of a National Savings Certificate is provided to lactating mothers.

Benefit: Assistance of ₹500 in the form of a National Savings Certificate.

The scheme aims to conserve rainwater in fields to help farmers, ensuring water availability during irrigation and drought conditions. Farmers receive subsidies up to ₹1,00,000/- for pond construction.

Benefit: General category farmers receive 40% of the construction cost or maximum ₹80,000/- as subsidy. Small and marginal farmers receive 50% of the construction cost or maximum ₹80,000/- as subsidy. Scheduled Caste or Scheduled Tribe category farmers receive 75% of the construction cost or maximum ₹1,00,000/- as subsidy. Disbursement The subsidy will be disbursed to the beneficiary based on the progress of pond construction. The subsidy will be provided within 30 days based on the evaluation by the Soil Conservation Staff. Conditions All conditions and eligibility must be verified by the Soil Conservation Survey Officer before subsidy benefits are provided. Before providing the benefit under this scheme, verification of the land will be conducted by the Conservation Survey Officer. From a security perspective, it is mandatory to install a board at the pond site to prevent drowning incidents. This must be installed at the farmer's own expense. In the absence of a board, if any accident occurs, the farmer will be solely responsible.

"Balri Birth Gift Scheme'' by the BOCW Welfare Board, Dept. of Labour, Punjab, is a welfare scheme that provides financial assistance in the form of a Fixed Deposit Receipt for the birth of a female child (upto two girls per family) which can be encashed only at the time of the daughter's marriage.

Benefit: Financial Assistance: ₹51,000/- in the form of an Fixed Deposit Receipt (FDR) for each female child (up to two girls). Note: The FDR can only be encashed at the time of the daughter's marriage.

"Banglar Awaas Yojana (BAY)" provides financial assistance to houseless households and those living in kutcha or dilapidated houses, helping them build pucca houses with essential amenities. The scheme offers financial assistance with additional support for toilets and unskilled workdays.

Benefit: Financial Assistance: Beneficiaries receive ₹1,30,000/- per house, credited in three installments (1st installment: ₹60,000/-; 2nd installment: ₹60,000/-; 3rd installment: ₹10,000/-). - Wage Support: Beneficiaries are entitled to 95 unskilled mandays of wages under the Mahatma Gandhi National Rural Employment Guarantee Scheme (MGNREGS). - Assistance for Toilet Construction: Eligible beneficiaries enlisted in the BLS 2012 receive additional support for constructing toilets under "Mission Nirmal Bangla Prakalpa".

The scheme aims to provide monthly financial assistance to educated unemployed youth of West Bengal to support them until they get employment or join another scheme. The objective is to ensure income support for eligible unemployed youth for a maximum period of 5 years.

Benefit: Financial Assistance: ₹1,500/- per month. - Mode of Disbursement: Financial Assistance under the scheme will be credited by Direct Bank Transfer (DBT) to an AADHAR Linked Bank Account held solely by the eligible unemployed youth. - Frequency of Disbursement: The benefit is disbursed monthly or at regular intervals. - Validity of Benefit: The benefit is valid for a maximum period of 5 years, subject to continued eligibility or till employment or enrollment in any other scheme, whichever is earlier.

“Interest Subsidy on Term Loan (IS)” incentives under “Banglashree for MSMEs” scheme implemented by the MSMEs Dept., Government of West Bengal, aims to provide Interest Subsidy on annual interest liability on the Term Loan borrowed from a Commercial Bank to an eligible micro or small enterprise.

Benefit: Pattern Of Assistance: An eligible micro, small or medium enterprise will be entitled to Interest Subsidy on annual interest liability for 5 years on the Term Loan borrowed from a Commercial Bank/ Cooperative Bank/ Scheduled Banks approved by RBI/ RRBs/ Financial Institution (Central and State) for implementation of the approved project as follows:- Micro & Small Enterprise: - Zone A & B - 55% ; Zone C, D & E– 70%. Medium Enterprise: - Zone – B, C, D & E: - 25% subject to a ceiling of ₹1,75,00,000/- per year.

“Power Subsidy (PS)” incentives under “Banglashree for MSMEs” scheme implemented by the MSMEs Dept., Government of West Bengal, aims to provide power subsidy on the electricity consumed for the manufacturing activity to an eligible micro or small enterprise.

Benefit: Micro, Small and Medium Enterprise: - Subsidy of ₹ 1.00 / Kwh for enterprises located in Zone – A & B area and ₹ 1.50/ Kwh. for enterprises located in Zone – C, D & E area for five years from the date of commencement of commercial production. NOTE: The power subsidy will not exceed ₹ 10,00,000/- lakh per year for a micro enterprise, ₹ 20,00,000/- per year for a small enterprise and ₹ 30,00,000/- per year for a medium enterprise and will be payable annually.

“State Capital Investment Subsidy (CIS)” incentives under “Banglashree for MSMEs” scheme implemented by the MSMEs Department, Government of West Bengal, aims to provide Capital Investment Subsidy for its approved project to an eligible micro or small enterprise.

Benefit: The enterprise will be provided a subsidy as a percentage of the fixed capital Investment (FCA) for its approved project as follows: Micro Enterprise: 25% for Zone C; 40% for Zone D; 60% for Zone E. Small Enterprise: 15% for Zone C; 30% for Zone D; 40% for Zone E. - An additional subsidy of 20% on State Capital Investment Subsidy normally admissible will be provided to all eligible micro and small enterprises wholly owned (100%) by women, SC/ST, and minority community entrepreneurs. - An eligible micro or small enterprise wholly owned by women, SC/ST, and minority community entrepreneurs and set up in Zone – A and B will be entitled to a subsidy as a percentage of the fixed capital Investment (FCA) as follows: - _15% for Micro Enterprise, and 10% for Small Enterprise_ NOTE 1: The subsidy normally admissible and additional subsidy taken together will not exceed ₹ 50,00,00/- for a Small Enterprise located in Zone C & D. NOTE 2: The subsidy normally admissible and additional subsidy taken together will not exceed ₹ 75,00,000/- for a Small Enterprise located in Zone E.

“Subsidy for Energy Efficiency (EES)” incentives under “Banglashree for MSMEs” scheme implemented by the MSMEs Dept., Government of West Bengal, aims to provide a reimbursement for the cost of energy and installations for energy conservation as per energy audit.

Benefit: Pattern Of Assistance: - An eligible micro or small enterprise for its approved project will be entitled to a reimbursement of 50% of the cost of energy audit undertaken by a certified agency. The reimbursement will be made after implementation of the recommendations. - An eligible micro or small enterprise for its approved project will be entitled to a reimbursement of 25% of the cost of installations for energy conservation as per energy audit subject to a maximum ₹2,00,000/-.

“Subsidy for Patent Registration (PRS)” incentives under “Banglashree for MSMEs” scheme implemented by the MSMEs Dept., Government of West Bengal, aims to provide reimbursement of expenditure incurred for obtaining Patent Registration.

Benefit: Pattern Of Assistance:__ An eligible micro, small or medium enterprise for its approved project will be entitled to a reimbursement of 50% of expenditure incurred by it for obtaining Patent Registration. Note: Subsidy for Patent Registration shall not exceed ₹ 5,00,000/-.

“Subsidy for Standard Quality Compliance (SCCS)” incentives under “Banglashree for MSMEs” scheme implemented by the MSMEs Dept., Government of West Bengal, aims to provide reimbursement of the expenditure incurred for obtaining certification from approved Institutions/ Research Laboratories.

Benefit: Pattern Of Assistance: An eligible micro or small enterprise shall be reimbursed 50% of the expenditure incurred subject to a maximum of ₹ 5,00,000/- for obtaining ISI / BIS certification / ISO 9000/ ISO 14000 / ISO 14001/ ISO 18000/ISO 22000/ HACCP certification from approved Institutions / Research Laboratories. Any new certificate not covered above may be honoured on a case to case basis according to necessity and essentiality.

“Subsidy for State Goods and Services Tax (SGST)” incentives under “Banglashree for MSMEs” scheme implemented by the MSMEs Dept., Government of West Bengal, aims to provide refunds for net SGST paid to the Government of West Bengal.

Benefit: Pattern Of Assistance: An eligible micro, small and medium enterprise for its approved project will be entitled to refund net SGST paid for 8 years from the date of commencement of commercial production to the Government of West Bengal as follows: Zone B and C: Refund of 30% of Net SGST. Zone D and E: Refund of 50% of Net SGST. Note: Cumulative refund of SGST shall not exceed 75% of fixed capital investment.

“Subsidy for Water Conservation/Environment Compliance” incentives by the MSMEs Dept., Government of West Bengal, aims to provide reimbursement of expenditure incurred by it towards the cost of captive Effluent Water Treatment Plant for wastewater recycling and/ or other pollution control devices.

Benefit: Pattern Of Assistance: An eligible micro or small enterprise for its approved project will be entitled to a reimbursement of 50% of expenditure incurred by it towards the cost of captive Effluent Water Treatment Plant for wastewater recycling and/ or other pollution control devices subject to a maximum of ₹ 2,00,000/-.

“Subsidy for Work Force Welfare Assistance (WWAS)” incentives under “Banglashree for MSMEs” scheme implemented by the MSMEs Dept., Government of West Bengal, aims to provide reimbursement of expenditure incurred for paying contribution towards Employees State Insurance (ESI) and Employees Provident.

Benefit: Pattern Of Assistance: An eligible micro, small or medium enterprise for its approved project will be entitled to a reimbursement of 100% in first year and 75% in the remaining years of expenditure incurred by it for paying its contribution towards Employees State Insurance (ESI) and Employees Provident Fund (EPF) if at least 50% of the employees in the enterprise are recruited from amongst the persons registered with Employment Bank of the State. The period of assistance will be as follows:- - Zone - B: 5 years. - Zone - C: 7 years. - Zone - D & E: - 9 years. NOTE: The reimbursement of expenditure specified above will be payable annually based on a minimum statutory limit subject to the condition that the enterprise has paid its contribution towards ESI and EPF on due dates. ‘Employee’ will have the same meaning as defined under [“Employees’ Provident Fund Act, 1952"](https://thc.nic.in/Central%20Governmental%20Acts/Employees%20Provident%20Funds%20and%20Miscellaneous%20Provisions%20Act,1952.pdf) and [“Employees’ State Insurance Act, 1948”.](https://www.esic.gov.in/attachments/actfile/f82be5390d6a4d07c674ec1200657cf0.pdf)

“Subsidy on Stamp Duty and Registration Fee (SDRFS)” incentives under “Banglashree for MSMEs” scheme implemented by the MSMEs Dept., Government of West Bengal, provides a reimbursement of stamp duty and registration fee paid by the eligible enterprises for the purpose of registration of documents.

Benefit: Micro & Small Enterprise: - Zone – A - 25% - Zone – B - 50% - Zone – C - 75% - Zone – D & E - 100% Medium Enterprise: - Zone – B, C, D and E : 75% - The subsidy will be admissible for the purpose of: 1. Purchase of land and/ or buildings for setting up of the approved project and Land/building/shed taken on Lease (minimum ten years) at any government /government approved Industrial Park/ Estate for setting up of the approved project. 1. The amount admissible will be calculated proportionately based on the percentage of land / buildings used for setting up of the enterprise for implementation of the approved project.

The aim provides assistance and encourages them to study as well as acquire technical/ professional/ vocational training.

Benefit: Rates of Scholarship A. Inside the State: 1. Primary (Standard I to V): ₹400/- 1. Middle and High School (Standard VI to VIII and IX to XI) (Not covered by the Government of India Scholarship) : ₹500/- 1. College (+2 & +3) (Not covered by the Government of India Scholarship) : ₹600/- 1. College (P.G.) (Not covered by the Government of India Scholarship) : ₹700/- 1. Technical and vocational training (Not covered by Govt. of India Scholarship) : ₹700/- B. Outside the State: 1. Students prosecuting normal course of study or technical/vocational/professional education/training not available in the State and not covered by Govt. of India Scholarship shall get ₹250 per month. 1. In case of visually challenged candidates, Reader’s Allowance shall be paid at ₹200 per month for primary classes and ₹300 per month for middle and high school classes and ₹400 per month for other studies, if it is certified by the head of the institution that the candidate has continuously employed a reader during the period of study, subject to the condition that such assistance is not availed of from Govt. of India. 1. In case of orthopedically handicapped student who has 75% or above disabilities requiring special arrangements for transport, an additional monthly allowance of ₹200 per month may be sanctioned for transport, if it is not covered by the scheme of integrated education.

Under the Ministry Of Micro, Small & Medium Enterprises, Bank Guarantee Charges Reimbursement Scheme is a sub scheme under National Scheduled Caste and Scheduled Tribe Hub (NSSH) scheme.

Benefit: The assistance under this scheme will be limited to 80% or ₹ 1,00,000/- (excluding GST and all other applicable taxes), whichever is less, on PBG charges paid in a financial year.

The Bank Loan Processing Fee Reimbursement Scheme comes under the purview of the Ministry of Micro, Small and Medium Enterprises (MSME) of the Government of India.

Benefit: Processing Fee Reimbursement: Up to 80% of the processing fee or ₹1,00,000/- (excluding GST and taxes), whichever is lower.

Through the "Bank Tie-Up Scheme", the Punjab Scheduled Castes Land Development & Finance Corporation (PSCLDFC) arranges loans through banks, and subsidy is provided by PSCLDFC. The permanent residents of Punjab belonging to Scheduled Castes and living Below Poverty Line are eligible.

Benefit: Subsidy: Capital subsidy upto 50% of the total amount subject to a maximum of ₹ 10,000/-. Sources of Funds: The subsidy is provided by Govt. of India out of SCA. Loan: The loan amount is provided by various banks operating in the State. Rate of Interest: Charged by the Banks as per RBI guidelines.

The scheme aims to provide financial assistance to scheduled caste persons for self-employment opportunities. Under this scheme, loans are provided for business, industry, or service activities, along with a subsidy of 50% of the loan amount or a maximum of ₹50,000/-.

Benefit: Loan assistance up to ₹2,00,000/- for businesses, industries, and service activities. Maximum loan of ₹1,00,000/- for business and ₹1,00,000/- for the industry/service sector individually. Subsidy of 50% of the loan amount or up to ₹50,000/-, whichever is lower.