Government of West Bengal
Labour Department
East India Buildings, 2nd Floor
20B Abdul Hamid Street
Kolkata-700069
No.364-Emp./ Emp./1M-9/2014 Dated, Kolkata, the 18th August, 2014
RESOLUTION
The State Government has been making a constant endeavour to accelerate the growth of Self-Employment ventures of the unemployed youth of the State and accordingly there is a concerted effort to explore the potentialities available in the Transport Sector to extend the scope of Self-Employment. It has been under consideration of the Government to provide financial assistance to the enrolled job-seekers of Employment Bank, the existing web-based job portal of Government, in the form of subsidy, so that they are encouraged to take up SelfEmployment-ventures in the Transport Sector by way of purchasing small/medium vehicles with the financial subsidy and loan/advance from the Banks/Financial Institutions.
After careful consideration of the matter, the Governor is pleased to formulate and introduce a new scheme to be implemented throughout the State, the details of which are given below:-
1. Short Title:-
ย This scheme is named ‘GATIDHARA’.
2. Objective:-
The objective of the scheme is to generate self-employment in the Urban and Rural areas of the state through promotion of transport service.
3. Definition:-
a. “Applicant” means a person who has applied for financial assistance under this scheme
b. “Bank” means any Public Sector Bank /Financial Institution including Gramin Bank and Co-Operative Bank functioning in West Bengal.
c. “Disbursed” means the cases disbursed by the bank and shall consist of loan, subsidy and applicant’s share in right proportion as Margin Money.
d. “Enrolled” means enrolled with Employment Bank Under the Directorate of Employment.
e. “Family” for the purpose of the scheme shall be deemed to consist of spouse, dependent parent, dependent minor children and dependent unmarried/widow sister. ntd
f. “Prescribed” means Prescribed by
g. Sanctioned” means the cases sanct
h. “State Government” means Govern
i. “Sponsored” means the loan appli committee and submitted to the ban
j. “Subsidy” means State Government maximum Rs.1,00,000/-(One lakh
k. “Unemployed Youth” means any Bank. ctions issued by the state Govt. in this connection. by the bark for disbursement of loan amount. of West Bengal. which are considered eligible by the screening sanction. ncial Assistant, 30% of Project Cost, subject to ะฐ ployed person enrolled with the Employment
4. Eligibility:-
A person is eligible to receiv He She has completed 20 yc year in which he/she has appl relaxable by five years in case
b. An individual entrepreneur en the State and whose family inc intends to generate income by t
c. Entrepreneurs who might hav scheme will also be eligible to repaid their loans or there is no the earlier loan received unde subsidy from the Govt.(State/C all such schemes including the under the present scheme.
d. He/ She shall have to possess a
e. The candidate who has received eligible for the scheme. stance under the scheme provided: not 45th year of age as on 1t day of April of the come under the scheme. The upper age limit is ST, and 3 years for OBC persons. as un-employed with the Employment Bank of does not exceed Rs.25,000/- per month and who ort services will be eligible under the scheme. ailed loan under BSKP, USKP or any other l of the scheme provided that they have fully and for repayment pending against them and if programme or scheme linked with grant or 1) and provided further that the total subsidy of ent one should not exceed the limit prescribed commercial Driving License. mployment assistance in ‘YUVASREE, is also Contd…..ะ /3. :3
5. Applicability :-
a.)The scheme shall be applicable to any entrepreneur as given in the Para-4 above, who wants to be Self-Employed as a service-provider small in Transport Sector by purchasing a or medium vehicle. scheme.
b.) More than one member from the same family shall not be eligible for subsidy under the
Other Conditions:-
c. a. In case wherever necessary, the required papers from the Transport Department or RTO should be obtained by the applicant. Such license or permit will be obtained from the Transport Department or RTO on priority basis after the recommendation of the proposal by the Screening Committee.
b. Once the scheme is sanctioned and loan is disbursed in favour of any entrepreneur, his /her Registration both in Employment Exchanges and Employment kept Bank will be in abeyance. If the applicant has been a recipient of Unemp!oyment assistance under YUVASREE, the allowance will be stopped as soon as loan is disbursed by the Bank under this scheme.
6. Project Cost:-
Project cost for an individual applicant will be subject to a maximum limit of Rs.10,00,000/- for purchasing of small and medium vehicles.
7. Funding Pattern:-
Subject to fulfilment of all other conditions, a. State Govt. shall provide a subsidy or grant of 30% of the project cost subject to a maximum of Rs.1,00,000/- per case. b. 5% of the project cost shall be provided by the entrepreneur as margin money. c. The balance 65% of the project cost or the amount as may be required after deducting the entrepreneur contribution and Govt. subsidy from the total project cost will be provided by the bank as a term loan or working capital loan.
8. Coverage:-
This scheme shall be having extensive coverage for the entire state of West Bengal. All the Nationalised Banks, Gramin Banks and Cooperative Banks functioning in the state and Govt. :4
9. Nodal Agency:-
Labour Department, Govt. of West Bengal will be the nodal agency for the scheme, Directorate of Employment shall function as the implementing and monitoring agency under the scheme.
10. Fund Management:-
a. The loan component of the scheme will be financed by the Public Sector Banks including all Gramin Banks and Co-operative banks /Financial Institutions of the State.
b. Subsidy will be provided by the State Government in the Finance Department .The Finance Department will release the Subsidy Money from the State Budget to the Labour Department who will reallocate it to the Director of Employment .The Director of Employment will open a dedicated and separate Savings account in a Public Sector Bank for transaction of the subsidy money. Separate Ledger should also be maintained for this purpose. The Bank Account shall be operated jointly by the Director of Employment and the D.D.O of the Directorate.
ั. The Director of Employment shall be allowed to reallocate 3% of the total Budgetary allotment received to the Headquarters and subordinate offices under his control to expend for Office Expenses and Logistics need for implementation and monitoring of the programme. The rest 97% of the allocated amount will be drawn by the D.D.O of Directorate for deposit of cheque to the designated Bank.
d. The subsidy money may be released by the Finance Department to the existing Head of Account of USKP as detailed below:- “2230-Labour and Employment-02-Employment-004-Research, Survey and Statistics-SPState Plan (Annual Plan and XIIth Plan)-003-Udiyaman Swanirbhar Karma Sansthan Prakalpa-2008 [LB]-V-33-Subsidies-05-Other Subsidies” under Demand No. 35. (Head Code: 2230-02-004-SP-003 [LB]-V-33-05, Demand No. 35)
11. How to apply:
The applicants shall submit the duly filled in applications with required documents to their respective Office of the Sub-divisional Officer(S.D:O) and in case of Kolkata Municipal Corporation area, application should be submitted to the office of the Joint Director of Employment, Kolkata District at Purta Bhaban, Salt Lake.
a. Application shall be made in a prescribed form as given in Annexure-I. Contd…..P/5. 5::
b. The application should be supported by – (i) an affidavit by the applicant as per Annexure-II, (ii) Income Certificate and unemployment certificate ofthe family in Annexure-III,(iii) Photocopy of Age-proof, (iv) A Project Report.(v) Photocopy of valid Commercial Driving License.
C. The Income Certificate and unemployment certificate in the form as given for the family may be issued by the Pradhan ofthe Gram Panchayats / Subhapati of the Panchayat Samities /Borough Chairperson of corporation /Chair Person of Municipalities/M.L.A.s/M.P.s/ Any Group ‘A’ Govt. Officer.
d. The Project Report may be prepared in consultation with a technically qualified Govt. official of the Block/Municipality concerned or by a private practitioner.
e. All the forms can be downloaded from the Employment Bank website or may be collected from the S.D.O. office./ JDE,Kolkata office.
12. Screening:
The office ofthe S.DO/Joint Director of Employment-in-Charge of Kolkata District (in case of Kolkata Municipal Corporation area) shall receive and scrutinize the applications and the relevant enclosures, arrange for proper documentation and place them before the Screening Committee through the Member-Convener for screening and recommendation The screening of application shall be done by the Screening Committees to be set up in the following manner:- A. Sub-Division Level Screening Committeะต a. S.D.O- Chairperson b. Officer-in-Charge of the Employment Exchange – Member-Convener c. Representative(s) of the banks participating in the schemes – Members d. Lead bank Manager or his representative – Member e. R.T.O or his representative -Member. f. Joint Director of Employment-in-Charge ofthe District-Member. g. Representative of District Industry Centre – Member B. Screening Committee ofKolkata Municipal Corporation.Area a. Joint Director of Employment-in-Charge of Kolkata District -Chairperson b. Officer-in-Charge of Regional Employment Exchange – Member Convenor c. Representative(s) of the banks participating in the schemes – Members d. Representative of S.L.B.C – Member e. Officer-in-Charge of the Employment Exchanges – Member :6: In addition, State Government may, wherever considered so necessary, nominate subject matter specialists/people’s representatives/and eminent persons in the field of self employment, not exceeding two in each of the committees.
13.Function of Screening Committee:
The screening committees shall dispose of all pending cases in its meeting to be held at least once every month. a) The screening committee will call the candidates up for interview to select suitable persons and projects submitted by them. b) The Chairman of the screening committee will thereafter send the recommended proposals in original to the officer-in-Charge of the Employment Exchanges. c) The applications previously recommended but rejected by the bank should also be reconsidered by the committee to decide as to whether the case may be send back to the concerned Bank with or with out modification.
14. Sponsorship :-
As soon as recommended Project Proposals with application and other documents are received from the Screening Committees, the Employment Exchanges concerned shall verify the documents and maintain a Book Record (Annexure-IV) and send the recommended Project proposals to the respective Banks / Financial Institutions as per the area of operation. The Book Record will help to monitor the scheme and maintenance of statistics. 15. Sanctions of Loan:
– a. The Banks or any other financial institution on receipt of the recommended applications from the Employment Exchanges shall process the applications independently for sanction and disbursement of loan. b. C. The Bank may, in its turn, commence all enquiry as may be deemed necessary. After completion of the process, the Bank or any other financial institutions shall grant sanction to the loan applications considered eligible and instruct entrepreneurs to deposit their contribution (5%) with Bank. After margin money is deposited the Bank shall submit requisition for subsidy to the Directorate of Employment through link bank by depositing Annexure-B. A copy of communication may also be endorsed to the Employment Exchange concerned. 106 Contd…..ะ /7. :: 7:: d. Those cases which are sponsored by the Employment Exchanges but rejected by the Bank shall be returned along with the reasons for rejection. e. The Employment Exchange shall examine these rejected cases vis-ร -vis the cause of rejection and defects, if found rectifiable, will be suitably rectified by the applicant in consultation with the Chairman ofthe Screening Committee and resubmit them to the Bank. f. If however, the Screening committee is not satisfied with the cause of rejection presented by the bank concern, it may draw the attention of the LDM for appropriate action. All dispute between the LDM and the Screening Committee related to sanction or rejection of an application under the scheme, if any, shall be placed before the District Level Monitoring Committee for further consideration and taking up with the higher authority of the bank for final settlement.
16. Release of subsidy:-
a) Each banking or financial establishment will select a Branch, preferably the main branch in Kolkata, as its “Link Bank”. b) Having received the requisition for Govt. subsidy from the financing Bank branch, Link Banks shall claim subsidy from Director of Employment by sending the list of beneficiaries in Annexure-C along with a copy of Annexure-B where the banks shall clarify that margin money has been deposited by the entrepreneurs. c) The Directorate of Employment shall examine the claim and release appropriate amount of subsidy in favour of the concerned Link Bank and forward the advice/instruction through the fastest medium of communication available, within a fortnight of receipt of such requisition. d) e) f Un-disbursed subsidy if any should be returned vide demand draft in favour of Director of Employment, West Bengal payable at Kolkata along with Draft Return Memo. The branches of the participating banks at the time of disbursement of loan will disburse the proportionate margin money/subsidy by debiting the Link Bank and will send the detailed particulars of the beneficiaries along with the respective debit advice. On receipt of this debit advice, the Link Bank will adjust the amount by debiting the account maintained by the State Government for this purpose with due intimation to the Directo
17. Disbursement of Loan:-
:8: a) On receipt of subsidy and the applicant’s contribution the Bank or any other financial institution shall arrange to disburse the amount in accordance with disbursement schedule and inform the Employment Exchanges, Screening Committee and also the Directorate of Employment. b) All disbursement shall consist of loan, subsidy and applicant’s share in right proportion and are expected to take place within 15 days of receipt of subsidy as per guide lines of Reserve Bank of India. No subsidy, henceforth, shall be retained by the Bank undisbursed for more than a month, failing which interest will be charged on the subsidy amount. The Bank shall be liable to pay interest to the Directorate of Employment or to the entrepreneurs at the rate charged by bank to the entrepreneurs for their share of loan from the bank, against the amount of subsidy lying undisbursed with the bank beyond one month(30days), provided that the entrepreneur’s contribution has also been deposited to the bank. c) The entire project cost of the scheme sanctioned in favour of an applicant will be disbursed by the bank direct to the Authorized Dealer who will supply the vehicle.
18. Rendition of Report and Returns:
The Employment Exchanges shall prepare a monthly return in the proforma as given in Annexure -A and transmit the same to the higher authorities.
19. Rate of Interest:-
It shall be at par with the similar schemes being implemented by the Government of West Bengal, as decided/determined by the Reserve Bank of India from time to time.
20. Repayment of Loan:-
a) The repayment period would be five to seven years. The initial moratorium period shall be prescribed by the banks concerned. b) Any demand for recovery of loan or default in repayment under the scheme shall be treated as public demand under the Public Demand Recovery Act, 1913.
21. Recovery, Advisory and Monitoring Committee:-
These committees shall meet once in each quarter or earlier, if necessary. The committeะต will review the progress of the programme,sort out problems of implementation, monitoring and co-ordination amongst different stake-holders attached to this programme and review the matter of recovery of loan. 108 Contd….P/9. :9 The committee may suggest measures which may be taken up by the Government for the betterment of the programme. Following Recovery Advisory and Monitoring Committees may be set upA. State Level i. MIC, Labour Department, Govt. of West Bengal ii. Secretary, Labour Department Chairman Member iii. Secretary to the Govt. of West Bengal Finance Department (Lending) Member iv. Principal Secretary to the Govt. of West Bengal, Transport Department. Member v. Representative of S.L.B.C Member vi. Director of Employment, W.B. -Member Secretary B. District Level: i. District Magistrate Chairman ii. Supdt. Of Police or his representative Member iii. One Karmadhaksya of Zilla Parishad (to be Nominated by Sabhadhipati) Member iv. Lead District Manager of the District Member v. Representative of three major banks operating in district Member vi. One Representative of Chairperson of each Municipality vii. RTO of the District Member Member viii. Joint Director/ Dy. Director of Employment-in-Charge Of the District Member-Sectary This order issues with the concurrence of the Finance Department vide the G.O. No.0013 Group ‘L’ dated 18.06.2014 and with the approval of the Cabinet held on 5th August, 2014. This order will take immediate effect. ORDER Ordered that the Resolution be published in the Official Gazette and circulated to all concerned. By Orderof the Governor Amal Rby Choudhury ment of West Bengal. No.364/1(1)-Emp. Dated, Kolkata, the 18th August, 2014. Copy forwarded for information and necessary action to the Director of Employment, West Bengal, 67, Bentinck Street, Kolkata-700 069. A Additional Secretary fo the Government N6.364/2(200)-Emp. 636/30 of West Bengal. Dated, Kolkata, the 18th August, 2014. Copy forwarded for information and necessary 01. The action to :- Chief Secretary, Government 02. of West Bengal. The Addl. Chief Secy./Pr. Secy./Secy. 03. The Principal .Department. Accountant General(A&E), West Bengal, Treasury Buildings, Kolkata- 700 001. 04. The Accountant General (Local Bodies Audit), West Bengal, C.G.O. Complex, M.S.O. Buildings(5th Floor), Salt Lake, Kolkata-700 05. The Pay and Accounts 091. Officer, Kolkata Pay and Accounts Office-II, Buildings, P-1, Jawahar Hyde Lane, Kolkata-700 073. 06. The Finance (Budget) Department, 07. The Finance Group- ‘N’ of this Government. (Audit) Department, Group-‘L’ of this Government. 08. The Finance (Audit) Department, 09. The Group-‘T’ of this Government. Development and Planning Department 10. State of this Government. Level Bankers’ Committee, 11. The Technical U.B.I. Head Office, Kolkata. Education Department, Bikash Bhavan, North Block, 6th Floor, Salt Lake, Kolkata-700 091. 12. The District Magistrate, 13. The Sub-Divisional Officer, 14. Joint/Deputy Directors of Employment, 15. The P.S. to Minister-in-Charge, Labour Department. 16. The Guard file. 17. A District. District. Additional Secretary to the Government of West Bengal.
Vide Memo No.364-Emp./ Emp./1M-9/2014 Date 18/08/2014