Bangla Swanirvar Karmasansthan Prakalpa

(BSKP)

In appreciation of the long- felt need to inculcate a sprit of drive and enterprise among the unemployed youth of this State Government of West Bengal have come forward with this Prakalpa. It is designed to educate and motivate the youth of the possibility and the facility available to start an enterprise on their own in an individual capacity or in a group. It is called “Atma Maryada” for individual youth and for groups of entrepreneur it is known as “Atma Samman”.

Work-areas: It aims at generating self-employment in the urban and rural areas of the State through promotion of tiny units of production manufacturing ,trade service or any other sector including agro- based industries, horticulture animal husbandry other than direct agriculture.

The scheme was set in motion in the financial year 2000-2001 and was later extended to cover rural areas as well from 2006-2007.It shall be a continuing scheme.

Eligibility-An individual entrepreneur or a group of entrepreneurs preferably registered with any employment exchange of the State and whose family income (respective family income of individual members in case of a group) does not exceed Rs.15000/- per month and who intend to generate income by setting up any viable unit of industry, trade services etc or receiving or improving an existing unit, will be eligible under this scheme.

Applicability-The scheme will be applicable to all eligible entrepreneur ,individually or in groups (subject to a minimum of five members and all of them belonging to the same area) who want to generate income by setting up viable tiny scale units or to run, revive or improve any existing unit. The project cost for an individual applicant will be subject to a maximum limit of ten lakhs and for groups of five and more the maximum project cost will be limited to a maximum of twenty five lakhs.

More than one member of the same family members shall not be eligible for constituting the group and shall not be eligible for subsidy under the scheme for group of entrepreneurs (Atma Samman).

Employees of Central//or State govt or Govt Undertakings and their families will not be eligible to come under the purview of this scheme.

The scheme is meant for unemployed youth which means any person who is not gainfully employed and is within the age group of 18 and 45 years as on the date on which he or she makes an application for assistance under the scheme and registered with any employment exchange.The State Govt in the Department of Self-Group and Self Employment may relax the age limit for a maximum period of two years which is up to the age of 47 years of age on consideration of merit as a special case under exceptional circumstances.

The Application procedure: Any eligible unemployed youth can apply in the prescribed form as shown in Annexure1 available (attached down below) with the Block or Municipal or Borough Self Group and Self Employment Offices and submit the filled- up application to the motivator earmarked for the area to which the applicant belongs.

Motivator means a person or a group of persons or an organization not being prospective entrepreneur under the scheme and engaged as such to motivate and assist the prospective entrepreneurs to avail of the scheme provide guidance for appropriate implementation of the project and play decisive role in motivating the beneficiaries to repay the loan.

The motivator shall guide and assist the applicant in filling up the form and in the preparation of the project, if necessary. Any project over and above two and a half  lakh rupees should preferably be vetted by a technically qualified person who may be either a Government employee or a private practitioner .Having satisfied himself about the viability, sincerity, capability and bona fide of the applicant and the feasibility of the project prepared the motivator shall deposit the application along with the project report to the office of the Block Self Help Group and Self-Employment Officer and Designated Officer at Municipality or Borough level as applicable.

Funding Pattern—The State Government shall provide a subsidy or grant of 20% of the project cost, subject to a maximum of one lakh only in case of individual schemes and a maximum of two lakhs fifty thousand only in case of group scheme (Atma Samman).

10% of the project cost shall be provided by the entrepreneur as margin money.

The balance 70% of the project cost or the amount as may be required after deducting the entrepreneur’s own contribution and govt subsidy from the total project cost will be provided by Bank of West Bengal Financial Corporation or any other financial institutions as term loans or and working capital loan.

No Government subsidy will be provided on working capital which may be required subsequent to the initial operationalisation of the scheme whether in manufacture trade or service sector. The banks however may extend loan for working capital etc for subsequent requirement after the project has been operationalised.

Disbursement of loan-On receipt of Grant Subsidy and the entrepreneur’s contribution the Bank or WBFC or any other financial institution shall arrange to disburse the amount to the entrepreneur in accordance with disbursement schedule and inform the District Self Help Group and Self Employment Officer in prescribed Form.

Training—The Department may arrange vocational training for the unemployment youth as and when necessary to impart needed skills for successful implementation of projects under the scheme.

Interest-The interest chargeable on the bank loan shall be prevailing publicized rate of interest of the Bank WBFC or FI (Financial Institution) as may be decided by the Bank from time to time.

Recovery of Loan—Any demand arising out of non recovery of loan or default in repayment of the loan under this scheme shall be treated as a Public Demand within the meaning of the Public Demand Recovery.

Repayment of Loan—The bank or WBFC or the financial institution shall determine the period of initial moratorium and repayment of loans depending upon the profitability of the project.

For any queries the applicant is requested to contact the District Manager, Bankura at the following address:

DISTRICT MANAGER

Society for Self Employment of Unemployed youth

Pratap Bagan

Post & District:- Bankura

Pin-722101

West Bengal.

Contact Telephone No. :- 03242-250868, 03242-251076.