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Naveen Moras
A.J.INSTITUTE OF MGT(AJIM) 1
CONTENTS:
I)INTRODUCTION
II)DEFINITION
III) FEATURES
IV)IMPORTANCE OF SME’S
VII)CONCLUSION
A.J.INSTITUTE OF MGT(AJIM) 2
INTRODUCTION:
Small and medium enterprises (SMEs ) also
known as small and medium scale enterprises
are the essential part of healthy economy.
The small – scale industry has emerged as the most dynamic sector
of Indian industrial economy accounting for over 55% of the total
value of industrial production.
A.J.INSTITUTE OF MGT(AJIM) 3
Definition of Micro, Small and Medium
Enterprises
A micro enterprise is an enterprise where
investment in plant and machinery does
not exceed Rs. 25 lakh
Increase d employment
Flexible
A.J.INSTITUTE OF MGT(AJIM) 7
SME’S IN DIFFERENT SECTORS OF INDIAN
INDUSTRY:
Food Processing
Agricultural Inputs
Chemicals & Pharmaceuticals
Engineering; Electricals; Electronics
Electro-medical equipment
Textiles and Garments
Leather and leather goods
Bio-engineering
Sports goods
Plastics products
Computer Software, etc.
A.J.INSTITUTE OF MGT(AJIM) 8
IMPORTANCE OF SMES
Employment
Helps LSE’s
A.J.INSTITUTE OF MGT(AJIM) 10
A.J.INSTITUTE OF MGT(AJIM) 11
PROBLEMS OF SME’S
Under-utilization of capacity.
mechanism
A.J.INSTITUTE OF MGT(AJIM) 12
SMERA (SME Rating
Agency of India Limited)
India’s first dedicated rating agency for SME segment.
Joint initiative of SIDBI, Dun & Bradstreet and CIBIL
(Credit Information Bureau (India) Limited) along with
leading PSU, Private and foreign Banks.
Rating cost substantially reduced in case of coverage of
eligible SSI units under NSIC (National Small Industries
Corporation) Subsidy Scheme
Already done > than 2350 ratings.
Incentives for SMERA Rating for SIDBI’s Customers
– Nominal Rating fees.
– Reduction in rate of interest by 0.50% p.a. on existing
loans if the customer is rated in the first three grades
– Would facilitate approval of applications for fresh loans
in future
A.J.INSTITUTE OF MGT(AJIM) 13
A.J.INSTITUTE OF MGT(AJIM) 14
There is an unprecedented importance of
Small and medium Enterprises in the country.
This is because this sector, contributes a major
amount in the development and employment.