Directorate of Industries and Commerce (DIC)

Government of Kerala

Vision & Mission of (DIC)

Vision
To nurture and promote entrepreneurship utilizing the local human resources and natural
resources to ensure sustainable and inclusive development of the State.

Mission
 To carryout capacity building and skilling activities to empower entrepreneurs with skills and
knowledge essential for starting and operating enterprise.
 To effectively utilize the locally available natural resources and human resources for
economic development and employment generation.
 To create necessary industrial infrastructure and provide adequate logistical support to
facilitate industrial Growth in the state.
 To provide financial incentives to enterprises at different stages of their life cycle.
 To create a harmonious Ease of Doing Business ecosystem in the state ensuring smooth
start up and business operations.
 To provide necessary assistance to the enterprises in the state for finding national and
international markets

Activities
 Ensuring starting of targeted number of new MSMEs every year.
 Create a transparent and robust online platform for delivery of services to the entrepreneurs
by utilizing and other state of the art applications.
 Identify entrepreneurs and motivate them via awareness programmes, Entrepreneurship
Development Club etc.
 Facilitate project ideas/project profiles/project feasibility advice/business with financial
institutions.
 Give appropriate technology sourcing/ know how/evaluation/tie ups with national and
international partners.
 Provide information on the availability of infrastructure / market/machinery details
Suppliers / raw material source & dealers.
 Conduct Seminars/ Entrepreneur Development Programmes/Technology clinics/investors
meet etc. for entrepreneurs.
 Act in liaison with financial institutions/other departments/agencies.
 Provide hand-holding services to the unit to start operation and meet statutory requirements
and assistance to get necessary licenses/ clearances / NOC from statutory bodies through
Single Window Clearance Board.
 Extend financial assistance to MSMEs under the different schemes of the state
Government.
 Continued support and assist in scaling-up of existing MSMEs.
 Implement schemes to identify and revive sick/stressed/defunct MSMEs.
 Organize /assist Entrepreneurship Development Clubs in Schools/Colleges.
 Assist formation of Industrial Clusters and co-operative societies. Implement schemes
related to industries undertaken by other departments or Government of India.
 Ensure schemes providing preferential support to MSMEs, conducive to the state’s
sustainable development goals.
  Acquire and develop land to establish Industrial Development Plots/Areas/Mini Industrial
Estate for entrepreneurs in the state.
 To conduct exhibitions and other marketing activities in the district and state level for
enterprises in the state.
 To participate and to assist the participation of local enterprises in national and international
markets.
 To provide online platform for B2B and B2C interactions. To assist Government in ensuring
that the Public Procurement Policy is implemented.
 To ensure settlement of delayed payment disputes of MSMEs within the state protecting
their interests.
 Assist the state and central Government in framing policy matters in industrial sector and
areas connected with it.
 To act as an information source for entrepreneurship in the state.

SCHEMES

Entrepreneur Support Scheme

 Entrepreneur Support Scheme (ESS)
Entrepreneur Support Scheme (ESS) is the most popular and attractive scheme operated
by the Directorate of Industries and Commerce. The scheme aims to provide financial
assistance to Micro, Small and Medium Enterprises engaged in manufacturing activities in
the State, proportional to the capital investment made. Depending upon the category of the
investor, sector and the District of investment, the unit can avail subsidy from 15% to 45%
of the fixed capital investment. For this scheme, loan from a financial institution is not
mandatory.

Features of the Scheme

 Provides Subsidy for the investment in Land, Building, Plant & machinery, Electrification,
Essential Office Equipments, Pollution Control Devices and other fixed assets.
 For General Category, assistance is 15% of the capital investment limited to Rs 30 lakh.
 For Young (18 to 45 years), Women, SC/ST and Non Resident Keralite (NRK)
entrepreneurs, the assistance is 25% limited to Rs 40 lakh.
 Enterprises in priority sectors are eligible for an additional assistance of 10% limited to Rs
10 lakh.
 MSMEs started in the districts of Idukki, Wayanad, Kasargode and Pathanamthitta are
eligible for an additional support of 10% limited to Rs 10 lakh.
 Enterprises setup after acquiring new technology from approved research institutions are
eligible for an additional support of 10% limited to Rs 10 lakh.
 The total eligible assistance for an enterprise is limited to Rs 40 lakh.
Enterprises under Priority Sector

Rubber-based industries, Agro based and Food processing industries, Readymade

Garments, Industries manufacturing equipment and machinery for non conventional energy
generation, Biotechnology based industries, 100% export oriented units, Biodegradable
plastic industries, Plastic waste recycling industries, Bio fertilizer industries, Pharmaceutical
industries and healthcare products manufacturing industries.

Enterprises under Negative List

Service Enterprises, Photo Studios and Colour Processing Centres, Tailoring other than
manufacturing of readymade garments, Breweries and Distilleries of all types, Saw mills,
Soap Grade Sodium Silicate, Asbestos processing, Metal Crushers including Granite
Manufacturing units, All types of Steel Re rolling Mills, Units manufacturing iron ingots,
Calcium Carbide, Cement manufacturing except units manufacturing cement from fly ash,
Potassium Chlorate, Power intensive units.

Stages in Entrepreneur Support Scheme

 Startup Support
The Startup support is provided for those enterprises which have availed at least term loan
from a financial institution and wish to avail a part of the total eligible support prior to the
commencement of commercial production. The assistance is limited to 50% of the total
eligible support limited to Rs 3 lakh on sanctioning the term loan from the bank. The unit can
apply for the balance of the eligible support once it start the commercial production. A unit
which do not avail Startup Support, can directly apply for the investment support, after the
commencement of commercial production.

 Investment Support
Investment Support is provided after the commencement of commercial production. To apply
for Investment Support, loan from a financial institution is not mandatory. The entrepreneurs
shall apply within one year from the date commencement of production. Enterprises
undertaking Expansion, Diversification or Modernization are also eligible for invest support
for the additional investment made.

 Technology Support
Technology Support is provided after commencement of production, on acquiring new
technology from authorized institutions. The unit shall apply for technology support within 6
months from the date of commencement after installing the new technology form authorized
agencies. Assistance will be provided for the new technology and for the plant and
machinery installed in connection with the new technology.

Application Fee

An application fee of Rs 1105/- has to be remitted per unit.

 How to apply

The application can be submitted online along with the documents as per the checklist
using the link given at the bottom. The application will be processed by the Sanctioning
Authority and the assistance will be sanctioned based on merit.

Sanctioning Authority

 For Startup Support - General Manager, District Industries Centre

 For Investment Support - District Level Committee consisting of the following Members;
o District Collector (Chairman)
o Lead District Manager
o Representative of Finance Department in Government
o District Manager, KFC
o Representative of KSSIA District Committee
o General Manager, District Industries Centre (Member Secretary)

Appellate Authority

If the decision of the District Level Committee is not satisfactory, an applicant can approach
the State Level Committee, consisting of the following Members,

 Director of Industries & Commerce (Chairman)

 Representative of Finance Department in Government

Managing Director, KSIDC

 Managing Director, KFC

 Director –MSME (DI)
 Representative of KSSIA State Committee

Prime Ministers Employment Generation Programme

 Prime Minister’s Employment Generation Programme [PMEGP]

PMEGP is credit linked Scheme of Govt. of India by merging erstwhile REGP and PMRY
scheme. The Scheme is implemented through KVIC and State/UT Khadi & V.I. Boards in
Rural areas and through District Industries Centres in Urban and Rural areas in ratio of
30:30:40 between KVIC / KVIB / DIC respectively.

Objectives

To generate employment opportunities in rural as well as urban areas of the country

through setting up of new self-employment ventures/projects/micro enterprises
 Beneficiaries

PMEGP is applicable to all new viable micro enterprises, including Village Industries
projects except activities indicated in the negative list of Village Industries. Existing/old units
are not eligible

Level of Financial Assistance:

 The maximum cost of the project/unit admissible for Margin Money subsidy under
Manufacturing sector is Rs. 50 lakhs
 The maximum cost of the project/unit admissible for Margin Money subsidy under
Business/Service sector is Rs. 20 Iakhs.
 The balance amount (excluding the own contribution)of the total project cost will be
provided by Banks.
 If the total project cost exceeds Rs. 50 lakhs or Rs. 20 Iakhs for Manufacturing and
Service/Business sector respectively, the balance amount may be provided by Banks
without any Government subsidy.
 Urban area includes Municipality & Corporation; Rural area includes village/Panchayat.

The maximum cost of the project/unit admissible for Margin Money subsidy under Manufacturing
sector for upgradation is Rs. 1.00 crore. Maximum subsidy would be Rs.15 lakh (Rs.20 lakh for
NER and Hill States).

o The maximum cost of the project/unit admissible for Margin Money subsidy under
Business/Service sector for upgradation is Rs. 25 lakh. Maximum subsidy would be Rs.3.75
lakh (Rs.5 lakh for NER and Hill States).
o The balance amount (excluding the own contribution)of the total project cost will be
provided by Banks.
o If the total project cost exceeds Rs. 1.00 Crore or Rs. 25.00 Iakhs for Manufacturing and
Service/Business sector respectively, the balance amount maybe provided by banks
without any Government subsidy.

Eligibility Conditions of Beneficiaries:

 Any individual, above 18 years of age

 There will be no income ceiling and no upper age limit for assistance for setting up projects
under PMEGP.
 For setting up of project costing above Rs.10 lakh in the manufacturing sector and above
Rs. 5 lakh in the business /service sector, the beneficiaries should possess at least VIII
standard pass educational qualification.
 Assistance under the scheme is available only for new projects sanctioned specifically
under the PMEGP.
 Existing Units (under PMRY, REGP or any other scheme of Government of India or State
Government) and the units that have already availed Government Subsidy under any other
scheme of Government of India or State Government are not eligible.

Negative list of Activities:

 Any Industry / Business connected with Meat(slaughtered), i.e., processing, canning and/or
serving items made of it as food, production/Manufacturing or sale of intoxicant items like
Beedi/Pan/ Cigar/Cigarette etc., any Hotel or Dhaba or sales outlet serving liquor,
preparation/producing tobacco as raw materials, tapping of toddy for sale will not be
allowed.
 (a)However, serving/selling non-vegetarian food at Hotels/Dhabas will be allowed.

 Activities prohibited by Local Government/Authorities keeping in view environment or socio-

economic factors will not be allowed.
 Manufacturing of polythene carry bags of less than 75 microns thickness and manufacture
of carry bags or containers made of recycled plastic for storing, carrying, dispensing or
packaging of food stuff and any other item which causes environmental problems.
Thickness of polythene carry bags shall be governed by the Ministry of Environment, Forest
and Climate Change notification for plastic waste management rules and amendments from
time to time.
 Any Industry/Business connected with cultivation of crops/plantation like Tea, Coffee,
Rubber etc. sericulture (Cocoon rearing), Horticulture, Floriculture, Animal Husbandry will
not be allowed.(a)However, value addition under these will be allowed under PMEGP. Off
Farm/Farm Linked activities in connection with sericulture, horticulture, floriculture etc. will
also be allowed.

Following industries / Business connected with Animal Husbandry will also be allowed:

 Dairy — Milk and other dairy products through primarily Cows but also sheep, goats,
camels, buffaloes, horses, and donkeys.
 Poultry - Poultry, kept for their eggs and for their meat, include chickens, turkeys, geese
and ducks.
 Aquaculture — It is the farming of aquatic organisms including fish, molluscs, crustaceans
and aquatic plants.
 Insects - including Bees, Sericulture, etc.

(As a special case piggery, which is a major source of livelihood in NER may also be allowed
in NER states only)

Margin Money Grant to Nano Units

 Margin Money Grant to Nano Units

Margin Money Grant to Nano Units is a loan linked scheme operated by the Directorate of Industries
and Commerce. The scheme aims to provide financial assistance to Nano units in the State,
engaged in manufacturing, job work and service activity having any type of value addition.

Features of the Scheme

 Units with project cost upto 10 Lakh will be covered in the scheme.
 Margin Money Grant of 30% to 40% of the Total Project cost according to the category of the
applicant.
 Women, Youth (Age between 18 and 40), Differentially Abled Persons, Ex-Servicemen, and
persons belonging to SC/ST category will be eligible for 10% additional Grant.
 30% of the beneficiaries under the scheme shall be women entrepreneurs.
 Maximum assistance under this scheme shall be Rs 4 Lakh per unit.
Financial Assistance

Loan from Financial Beneficiary Margin Money

Category Institution (Minimum Contribution (Minimum Grant (Maximum
) ) )

General 40% 30% 30%

Special 40% 20% 40%

How to Apply
Application can be submitted online or in person to the Assistant District Industries Officer, Taluk
Industries Office concerned with all supporting documents, including the sanction letter with the
recommendation from the financial institution and copy of pass book showing the details of
beneficiary contribution.

Sanctioning Authority
General Manager, District Industries Centre is the sanctioning authority.

Other Points

The Project cost under this scheme shall include the following.

o Cost of land and its development including documentation charges. The cost of land
and its development shall not exceed 10% of the project cost.
o Cost of building. This shall not exceed 25% of the project cost.
o Plant & Machinery, equipments including all accessories, tools, jigs, fixtures,
essential office equipments and furniture, lab equipments, pollution control devices,
generators.
o Electrification.
o Preliminary and pre-operative expenses which shall include Registration charges of
the firm, engineering drawings, cost of the project report, Technical know- how, cost
of technical supervision during the implementation period. However, these
preliminary and pre-operative expenses shall not exceed 10 % of the project cost.
o Allowance for cost escalation (contingencies). The contingency allowance shall not
exceed 10% of the cost of the item for which it is meant.
o Working Capital. The working capital shall not exceed 40% of the project cost or one
working cycle, whichever is lower.

Check List
 Project Report
 Title Deed of Land/ Land Tax Receipt if applicable
 Ownership Certificate of building if applicable
  Registered Lease Deed or Rent Deed in such cases
 Proforma Invoice/Quotation of plant, machinery and electrification
 Valuation of approved Engineer, Chattered Engineer for Civil Construction
 Sanction letter from financial institution/Bank if any
 Any other document as demanded by the recommending/sanctioning authority

Eligibility
All new Nano proprietary enterprises in manufacturing / food processing and job
works and units engaged in service sector having any type of value addition, whose
project cost including fixed capital and working capital up to 10 lakhs are eligible for
the assistance under the scheme. Preference is given to special categories such as
women, handicapped persons, ex servicemen and persons belonging to
SC/ST.Youth entrepreneurs up to the age of 40 are also given priority under the
scheme.30% of the beneficiaries under the scheme shall be women entrepreneurs.

Financial assistance
Maximum limit of margin money grant under the scheme shall be Rs 4 lakhs per unit as follows.

a. Loan given by financial institution/KFC/Co-operative bank: Minimum 40 % of the project cost

b. Promoter’s contribution: Minimum 30 % of the project cost

c. Margin money grand by Industries dept: 30 % of the project cost limited to a maximum of 3 lakhs

d. In case of special categories MMG will be 40 % of the project cost limited to a maximum of 4
lakhs and promoter’s contribution shall be 20%.

Procedure
a. Application shall be submitted to the Assistant District industries officer, Taluk Industries Office
concerned with all supporting documents including the sanction letter with recommendation from the
bank.

b. Copy of pass book showing the details of beneficiary contribution remitted to be submitted along
with application.

Sanctioning Authority
General Manager, District Industries Centre is the sanctioning authority.
 One Family One Enterprises (OFOE)

 One Family One Enterprises (OFOE)

The MSME's primarily rely on bank finance for their operations. Providing assistance in the early stage
of establishment of the enterprise will enhance the competency of the MSME unit. The scheme intends
to provide interest subvention on Term loan and/or Working capital loan availed by MSME units from
financial institutions viz. Nationalised Banks, Scheduled Banks, KSIDC, KFC, KSFE and Kerala Bank.
The units engaged in manufacturing, service and trading are eligible for the assistance. 50% of
the beneficiaries under the scheme shall be women entrepreneurs.

Objectives
The scheme envisages to encourage entrepreneurial activity in every household and to provide interest
subvention for loan amount up to Rupees 10 lakh (for fixed capital loan and/ or working capital loan) of
the project cost.

Eligibility for Applicants:

 All new micro, small and medium enterprises in manufacturing,service and trading activities,
which availed Term Loan and/or Working Capital Loan, shall be eligible for assistance under this
scheme.
 The MSME units, which commenced operation/production on or after 1/4/2022, are eligible for
assistance under this scheme.
 The unit shall have a valid Udyam registration.
 As on the date of submission of the claim, the loan accounts should not have been declared as
NPA as per extant guidelines in force.
 The unit shall be working as on date of application.
 The unit shall not have availed any grant assistance under any scheme of Central
Government/State Government/ Local Self Government Department.
 Even though the scheme is for new units as item 1 above, an exemption is there for units
supported by Prime Minister Formalisation of Micro Food Processing Enterprises (PMFME)
scheme of the Ministry of Food Processing Industries, Govt. of India. In order to dovetail this
scheme with the PMFME scheme - existing enterprises supported under PMFME scheme shall
also be eligible for assistance under One Family One Enterprise (OFOE) scheme provided the
unit commenced production after expansion/ modernisation/ diversification on or after 1/4/2022.
 Even though the scheme is not eligible for units who have availed any grant assistance under
any scheme of Central Government/State Government/ Local Self Government Department as
item 6 above, an exemption is there for units supported by Prime Minister Formalisation of Micro
Food Processing Enterprises (PMFME) scheme of the Ministry of Food Processing Industries,
Govt. of India. Units which have availed/are availing assistance under PMFME scheme shall be
eligible for this assistance for the working capital portion alone up to loan amount of Rs.10 Lakh.

Entitlement of a successful Applicant:-

The assistance provided under this scheme shall be in the form of an interest subvention on
reimbursement basis. All new MSME's engaged in manufacturing, service and trading activities
 shall be eligible for interest subvention on the interest charged by the financial institution on
approved project for loan amount up to Rs.10 lakh (for Term loan and/or working capital loan) for a
period of five years from the date of disbursement of the 1st installment of the loan by the financial
institution. In case where the loan amount exceeds Rs.10 Lakh, the interest subvention shall be
considered for loan up to Rs.10 Lakh only. The rate of subvention will be up to a maximum of 6%.
The subvention will be the difference in the rate of interest charged by the financial institution and
4%.

PM Formalization of micro food processing

Enterprises Scheme

 PM Formalization of micro food processing Enterprises Scheme (PM

FME Scheme)

PM FME scheme is a centrally sponsored scheme that is designed to address the

challenges faced by the micro enterprises and to tap the potential of groups and
cooperatives in supporting the up gradation and formalization of these enterprises.
The expenditure under the scheme would to be shared in 60:40 ratios between
Central and State Governments.

Aims
The scheme aims to:

o Enhance the competitiveness of existing individual micro-enterprises in

the unorganized segment of the food processing industry and promote
formalization of the sector; and
o Support Farmer Producer Organizations (FPOs), Self Help Groups
(SHGs) and Producers Cooperatives along their entire value chain.

Financial Assistance
The objectives of scheme are to build capability of microenterprises to enable:

 Increased access to credit by existing micro food processing entrepreneurs,

FPOs, Self Help Groups and Co-operatives;
 Integration with organized supply chain by strengthening branding &
marketing;
 Support for transition of existing 2,00,000 enterprises into formal framework;
 Increased access to common services like common processing facility,
laboratories, storage, packaging, marketing and incubation services;
 Strengthening of institutions, research and training in the food processing
sector; and
 Increased access for the enterprises, to professional and technical support.

Coverage:
 Under the scheme, 2, 00,000 micro food processing units will be directly assisted
with credit linked subsidy. Adequate supportive common infrastructure and
institutional architecture will be supported to accelerate growth of the sector.

One District One Product:

The Scheme adopts One District One Product (ODOP) approach to reap the benefit
of scale in terms of procurement of inputs, availing common services and marketing
of products. ODOP for the scheme will provide the framework for value chain
development and alignment of support infrastructure.

There may be more than one cluster of ODOP products in a district. A state may
have a cluster of ODOP product consisting of more than one district. With respect to
support to existing individual micro units for capital investment, preference would be
given to those producing ODOP products. However, existing units producing other
products would also be supported. In case of capital investment by groups,
predominately those involved in ODOP products would be supported. New units,
whether for individuals or groups would only be supported for ODOP products.

Support for common infrastructure and marketing & branding would only be for
ODOP products. In case of support for marketing & branding at State or regional
level, same products of districts not having that product as ODOP could also be
included.

Programme Components:

The programme has four broad components addressing the needs of the sector:

 Support to individual and groups of micro enterprises;

 Branding and Marketing support;
 Support for strengthening of institutions;
 Setting up robust project management framework.

Support to Individual Micro Enterprises:

Individual micro food processing units would be provided credit-linked capital

subsidy @35% of the eligible project cost with a maximum ceiling of Rs.10.0 lakh
per unit. Beneficiary contribution should be minimum of 10% of the project cost with
balance being loan from Bank.

Eligibility criteria for individual micro enterprises under the scheme:

 Existing micro food processing units in operations

 Existing units should be those identified in the SLUP for ODOP
products or by the Resource Person on physical verification. In
case of units using electrical power, electricity bill would support it
being in operations. For others units, existing operations,
inventory, machines and sales would form the basis
  The enterprise should be unincorporated and should employ less
than 10 workers
 The enterprise should preferably be involved in the product
identified in the ODOP of the district. Other micro enterprises
could also be considered;
 The applicant should have ownership right of the enterprise;
 Ownership status of enterprise could be proprietary / partnership
firm;
 The applicant should be above 18 years of age and should
possess at least VIII standard pass educational qualification;
 Only one person from one family would be eligible for obtaining
financial assistance. The “family” for this purpose would include
self, spouse and children
 Willingness to formalize and contribute10% of project cost and
obtain Bank loan
 Cost of the land should not be included in the Project cost. Cost
of the ready built as well as long lease or rental work shed could
be included in the project cost. Lease rental of workshed to be
included in the project cost should be for a maximum period of 3
years only.

Interest Subvention Scheme to Nano Units

 Scheme for Interest Subvention to Nano Household Enterprises

This scheme has been introduced to promote the Nano and household enterprises in the state. The
scheme intends to provide financial assistance in the form of interest subvention to Nano and
household enterprises on a reimbursement basis for the term loan availed by the unit. The units
engaged in the manufacturing, services as well as job work can apply under the scheme.

Nano and Household unit

A unit which satisfies the following conditions;

 The fixed capital investment is 10 lakh or less,

 Engaged in the manufacturing, services or job work,
 In white and green category as per pollution control norms,
 Connected load is 5 HP or less.

Note

 Manufacturing units which are eligible to claim assistance under the Entrepreneur Support
Scheme or any other schemes of Govt. of India or Govt. of Kerala cannot apply under the
scheme.
 Unit which has availed special low rate of interest from Government Agencies are not eligible
for further interest subvention under this scheme.

Benefit of the scheme

  The unit will be eligible for interest subvention to an extent of 6% per annum for the term
loan availed by the unit on reimbursement basis for three years.
 For women and SC/ST enterprises, the interest subvention will be 8% for three years.
 The assistance shall be limited to the fixed percentage of the composite investment upon
(a) plant & machinery,
(b) other fixed assets including essential office equipment’s and
(c) electrification. Cost of Land and Building shall not be included in the Fixed Capital
Investment under this scheme.
 In the event of default of re-payment of loan with interest at the end of 1st year, the
subvention will not be passed. The same is applicable for 2nd and 3rd years.

Negative List

Photo Studios and Color Processing Centre’s, Breweries and Distilleries of all types, Saw
mills, Soap Grade Sodium Silicate, Asbestos processing except units in which the quantum
of asbestos used in the production process is less than 25% and environmental and
occupational health hazards have been taken care of to satisfaction of authorities
concerned, Metal Crushers including Granite Manufacturing units, All types of Steel Re
rolling Mills, Units manufacturing iron ingots, Calcium Carbide, Cement manufacturing
except units manufacturing cement from fly ash, Potassium Chlorate, Cashew industrial
units, Power intensive units based on electro thermal/ electro chemical processor units
where total power requirement exceeds 5000 KVA of contract load or where the cost of
power is more than 33% of cost of production of the items manufacture except where the
units generate their power requirement in excess of 5000 KVA of contract load by own
captive power.

How to Apply

Application can be submitted online or in person to the Assistant District Industries

Officer, Taluk Industries Office concerned with all supporting documents

Revival and Rehabilitation Schemen

for Defunct MSMEs and Cashew
Processing Units

 Revival and Rehabilitation scheme for Defunct MSMEs and Cashew

processing units

Objectives
The scheme envisages supporting defunct MSMEs in the manufacturing sector including cashew
processing units through assistance in the form of capital grants and working capital incentives.

Definitions:
Defunct MSMEs – MSMEs which are nonoperational for 6 months or more but can be revivable. In the
case of units which become defunct due to plastic ban and those wish for diversification, the above time
limit is not applicable.
  Defunct Cashew Processing Units – The Cashew Processing Units which were defunct at
least for six months/ and no matter whether they have received any Government assistance or
bank loan within six months and in the process of revival.

Beneficiaries:
All MSMEs in manufacturing sector which are defunct for at least 6 months due to genuine issues
including cashew processing enterprises that have potential to be revived and rehabilitated, are eligible
for assistance under the scheme.

Financial Assistance
All MSMEs in manufacturing sector which are defunct for at least 6 months due to genuine issues
including cashew processing enterprises that have potential to be revived and rehabilitated, are eligible
for assistance under the scheme.

Financial Assistance under the scheme provided for the following components.

 Building Renovation- 25% of the total revival project cost limited to Rs.2 lakh: - Building
Renovation includes maintenance and repair of existing factory building, construction of fresh
roofing in factory shed, infrastructure for Waste Disposal / Treatment facilities etc.
 Plant & Machinery and Electrification-40% of the total revival project cot limited to Rs.8 lakh:- It
will be available for purchase of new machinery, Repair and Maintenance of Existing machines,
industrial electrification etc. .
 Working Capital (Margin)- 50% margin of working Capital loan approved by Financial institution
subject to.
o Assistance limited to Rs.2 lakhs for defunct MSMEs.
o Assistance limited to Rs.5 lakhs for Cashew Units.

Bank Sanction of fresh working capital loan is mandatory for availing Working Capital (Margin)
Assistance, but bank loan is not mandatory for assistance for building renovation, plant and machinery,
electrification etc.

How to Apply:
 The applicant should apply in the prescribed proforma
 Provide necessary documents and accounts, revival project proposal etc.
 Execute an agreement with the notified authority to avail the assistance.

Recommending Authority
The Assistant District Industries Officers, Taluk Industries Officers concerned shall be the
recommending authority for assistance under this scheme.

Sanctioning Authority:
District Level Committee (DLC) under the chairmanship of District Collector and General Manager, District
Industries Centre concerned as convener and lead district Manger and Manger (credit) shall be the Sanctioning
Authority.

For more details : Government Orders & Guidelines

The District Industries Centre could be contacted for more details and hand holding support for
submitting the application to avail the assistances.
Contact Details of District Level Officers for the Scheme- Revival and Rehabilitation scheme for
Defunct MSMEs and Cashew processing units
Checklist:
 Application in the prescribed format
 Udyog Aadhar/Udyam Registration
 Revival Project Report
 Title deed of land/land tax receipt if applicable
 Ownership Certificate of building if applicable
 Registered Lease deed or rent deed in such cases
 Invoice/bill/Proof of payment of Plant, machinery and electrification
 Valuation of Approved Civil Engineer/ chartered Engineer for civil construction
 Sanction order of Bank for Working Capital Loan if any
 Audited balance Sheet for the year before being defunct
 Any other document as demanded by the recommending/sanctioning authority.

The Kerala stressed MSMEs Revival & Rehabilitation

Scheme

 Kerala stressed MSMEs Revival & Rehabilitation Scheme

The Kerala stressed MSMEs Revival & Rehabilitation scheme intends to provide financial and other
handholding support to the MSMEs which show signs of stress and to convert their non-productive
assets into productive assets. The maximum assistance admissible for each unit, all reliefs and
assistances put together, under the scheme will be limited to Rs. 5 Lakh.

Assistance/Relief Available from Government

Restructuring of existing loan account

If the bank is willing to restructure the existing loan account and extent additional term
loan/working capital loan based on the Revival Project recommendations of the Expert
Committee, the unit is eligible for the following one time Assistances. These assistances
are also eligible for self financed units availing term loan/working capital loan as part of the
Revival Package recommended by the Expert Committee.

a) Margin Money Grant

50% of the margin insisted by the bank/Financial Institution towards additional
working capital loan and term loan, will be payable as Grant Assistance limited to Rs
2 lakhs.

b) Interest Subvention Assistance

To provide a financial assistance in the form of interest subvention on a
reimbursement basis for the additional term loan and additional working capital loan
availed by the units based on the Revival Project Report recommended by the expert
committee. The interest subvention is 6% per annum subject to a maximum amount
of Rs 1 lakh. The interest subvention is limited for one (first) year on the loan
sanctioned by the financial institution/bank.

Restart Expenses
 The following one time assistances shall be payable as Re-start expenses based on the
Revival Project recommendations of the Expert Committee.

 In cases where no term loan is availed for the purchase of brand new additional/balancing
plant & machinery, 50% of the cost of Additional/Balancing Plant and Machinery limited to
Rs 1.50 lakhs will be payable as one time assistance.
 50% of the cost incurred for the inevitable repair and maintenance of existing Plant and
Machinery and Building limited to Rs 1.00 lakh will be reimbursed.

Clearance of Statutory Dues

If there is statutory dues existing for the unit related to the agencies like KSEB,
GST/Commercial Tax, Excise, Pollution Control Board etc. 50% of the dues limited to Rs
40,000 shall be payable as one time assistance based on the Revival Project
recommendations of the Expert Committee.

Assistance to Skilled Entrepreneurs Development

Centre’s

Objectives
With the objectives of providing better employment opportunities to the skilled workers working in
the unorganized sector in Kerala, transforming the unskilled workers into experts in the relevant field
through skill development training, providing the required work tools to the workers and providing a
better work-friendly environment to the society, the Government of Kerala aims to form one or more
Industrial Co-operative Societies within the territorial boundaries of each Local Self Government
Institution in the State and accordingly those working in different occupations has come forward to
achieve the target. The Government has formulated a financial assistance scheme under the
Department of Industries to promote such Industrial Co-operative Societies providing service of
skilled and unskilled workers identified in various sectors to the needy people.

Beneficiaries:
Industrial co-operative societies formed to implement the objectives to find better employment
opportunities for workers engaged in various types of employment in the unorganized sector and to
bring skilled workers into the mainstream through skill development training are eligible for the
benefit of this scheme. Moreover, the members of the Skill Enterprise Development Co-operative
Societies should be from the technical, semi-skilled / unskilled workforce who has obtained technical
skills certificates working in the unorganized sector.

Eligibility
 Industrial Co-operative Societies formed to implement the objectives of providing better
employment opportunities to workers engaged in various types of employment in the
unorganized sector and bringing unskilled workers to the mainstream through skill
development training are eligible for the benefit of this scheme.
 Societies registered during or after the financial year 2019-2020.
 Societies have at least 50 members. In that, at least 25 members should be skilled workers
and the remaining 25 members should be semi-skilled / unskilled workers. Nominal number
of members is not taken into account for financial assistance.
 The societies applied for assistance under scheme should have a elected board of Directors
and paid secretary.
  Each member should have been given at least 5 average working days in 3 months before
date of application for financial assistance. At the same time, societies formed within 6
months are not eligible under this scheme.
 Only societies which maintain proper records as prescribed by the Registrar are eligible for
financial assistance.
 There should be 100 active members to be eligible for the maximum benefit of Rs.2 lakh.

Financial Assistance under the scheme:

 The maximum benefit per society under this scheme will be Rs.2 lakhs. However, the
amount of financial assistance will be determined only subject to the submitted documents,
information and other terms and conditions of guidelines. 78% of the total allocation will be
for fixed asset creation, 20% for working capital and 2% for training.
 The number of members in the group will also be taken into account to calculate the financial
benefit to the group. There should be 100 active members to be eligible for the maximum
benefit of Rs.2 lakh. Financial assistance will be decrease in proportion to the decrease in
membership.
 Societies which do not receive maximum benefit due to less membership will be entitled to
the remaining amount of financial assistance as long as the scheme exists, if the
membership rises above the prescribed criteria. But in any case, it will not allow more than
two times.
 The societies which availed the assistance for raising fixed capital assets should be
calculated as 80% of the amount and balance amount other than grant amount may be
arranged by the society. The amount received by the group for raising fixed capital assets
should be calculated as 80% of the amount and the remaining 20% should be found on its
own. The societies have to find its own amount equivalent to the amount received as
working capital assistance. Expenditure incurred for the purpose of land and building is not
taken into account for financial assistance of fixed assets. Tools, furniture, electrical and
electronics equipment and essential machinery will be considered. The cost of fixed assets
acquired prior to the commencement of the scheme, will be considered for financial
assistance and the amount spent will be refunded. However, the documents should be
produced properly.
 Working capital will be sanctioned at the rate of Rs.1000 / - per number of active members.
 The grant sanctioned to the society shall be released through the bank A/C jointly by the
society & General Manager, District Industrial Centre and will be withdrawn only with the
permission of the General Manager, DIC.

Check List:
 Copy of previous year Audit certificate/Financial statement
 List of work days of each member in previous year(monthly)
 Details of required components for financial assistance

Assistance Scheme for Handicrafts Artisans (ASHA)

 Assistance Scheme for Handicrafts Artisans (ASHA)

The Scheme intends to provide financial assistance in the form of grant to the artisans in the
handicrafts sector for setting up handicraft enterprises. The assistance is a one time support to
eligible artisans of the state as back end assistance.

For the purpose of this scheme, an artisan is a person who has been categorized as such by the
office of the Development Commissioner (Handicrafts), Govt. of India or SURABHI, KSBC, KADCO,
HDCK, KELPALM and has taken effective steps to setup an enterprise in the handicrafts sector.
 Features of the Scheme
 Provides assistance for the Fixed Capital Investment, ie construction of Work shed/
Workshop, cost of tool, equipment, machinery and accessories, electrification, Technology
support/ product / Design development.
 For General Category artisans, assistance is 40% of the Fixed Capital Investment limited to
Rs 2.00 lakh.
 For Young (18 to 45 years), Women, SC/ST artisans, the assistance is 50% limited to Rs
3.00 lakh.

How to Apply?

Application can be submitted online or in person with all supporting documents as below. .

Required Documents
1. Self-attested copy of the identity card of the applicant.
2. Self-attested copy of the resolution towards applying for this assistance in case of the unit
other than proprietary.
3. Self-attested copy of Udyam Registration of the unit.
4. Copy of Caste Certificate (Attested by Gazette Officer) in case of SC/ST artisans.
5. Self-attested copy of Project Report.

Sanctioning Authority
General Manager, District Industries Centre is the sanctioning authority.

Scheme for Interest Subvention on Term Loan and

Working Capital Loan (ISS)

 Scheme for Interest Subvention on Term Loan and Working Capital Loan
The scheme has been introduced to assist the MSME units which were badly affected due to the
economic crisis in the wake of COVID-19 pandemic. The scheme intends to give financial
assistance in the form of interest subvention for 12 months for the new/ additional term loan and/or
working capital loan availed by the units from 1st April 2019 to 31st December 2021.

Eligibility for applicant units

 Should be an MSME in the manufacturing or job work category established in the state.
 Should have filed Udyam with the competent authority, after commencing the commercial
production. .
 The unit should have been operational at least for a period of 3 months within a period of 6
months prior to the date of sanction of bank loan. .

Benefit under the scheme

 The total assistance under the scheme shall be limited to an amount of Rs.1, 20,000/- per
applicant unit including assistance for term loan and/ or working capital loan and it can be
availed only once.
 All MSMEs in the manufacturing/ job work category functioning in Kerala will be eligible to
avail interest subvention on fresh/ additional working capital loan up to a maximum of
Rs.60,000/- per unit.
  All MSMEs in the manufacturing/ job work category functioning in Kerala will be eligible to
avail interest subvention on fresh/ additional term loan up to a maximum of Rs.60,000/- per
unit.
 The assistance shall be limited to 50% of the interest paid by the unit to the bank/ financial
institution, up to a period of 12 months from the date of disbursement of 1st installment to
the loan.
 The period of availing of fresh/ additional term loan and/ or working capital loan should be in
between 01.04.2019 to 31.12.2021.
 The assistance shall be released to the loan account of the applicant unit through the
financial institution concerned on quarterly reimbursement basis.

How to apply

Application can be submitted online or in person to the Assistant District Industries Officer,
Taluk Industries Office concerned with all supporting documents.

MSME Scale Up Mission (Mission 1000)

 MSME Scale Up Mission (Mission 1000)

The Scale up Mission initiative by Government of Kerala is aimed at uplifting

1000 Micro, Small and Medium Enterprises (MSMEs) in the State into
businesses with Rs. 100 core turnover within four years. MSMEs will be
selected through an objective and transparent process. The pre-qualifications
for MSMEs to be selected for the Scale up Mission include

 being registered in Kerala with UDYAM registration

 being in operation for at least three years as of March 31, 2023, and
 Being engaged in manufacturing or service activities.

An online portal will be developed for MSMEs to apply for being selected
under the initiative, and a scoring-criteria based on information submitted on
the portal will be used to identify the top 1000 units for the project. The scoring
criteria includes investments, annual turnover, profit, capacity utilization,
exports, number of employees, promoters' CIBIL score, and details of
certifications obtained.

Selected units will be provided with various incentives to encourage their

growth, such as

 Capital Investment Subsidy up to 40% (maximum Rs. 2 Cr)

 Interest subvention for working capital loans up to 50% of the interest
rate (limited to Rs. 50 Lakhs)
 Financial assistance for preparation of DPR for scale (up to Rs. 1 lakh
per Enterprise),
 special assistance for technology innovation and skills,
 special assistance in obtaining quality certifications, and
  One to one handholding by assigning an officer from the Industries
Department to each selected enterprises to assist them in their various
scaling-up related activities.
 priority in all schemes and incentives of the Industries Department

The Scale up Mission project provides a unique opportunity for MSMEs in

Kerala to upscale their businesses and reach new heights of success. The
transparent selection process, along with various incentives, will create an
environment of growth and development for the selected units

MSME INSURANCE SCHEME

About the Scheme

The Department of Industries and Commerce, in alignment with the Government’s vision to create a
sustainable ecosystem for industries in the State, is introducing an Insurance scheme for the Micro,
Small and Medium Enterprises (MSMEs) in the state. This scheme aims at providing financial
protection to MSMEs against unforeseen risks, which can have a detrimental impact on their
businesses. The scheme intends to provide reimbursement of up to 50 percent of the annual
insurance premium paid by MSMEs and shall be implemented through the District Industries
Centres (DICs). An amount of Rs. 30 Lakh has been allocated for the scheme for the financial year
2023-24.

MSME Insurance scheme shall be operated through the four leading Public Sector
Insurance Companies in the State, i.e.

1. National Insurance Company Ltd.

2. United India Insurance Company Ltd.
3. Oriental Insurance Company Ltd.
4. New India Assurance Company Ltd.

As part of this, the State government signed MoUs with these four Public Sector Insurance
Companies on 12th October 2023.

Benefits under the scheme

The multitude of risks faced by MSMEs includes natural disasters, fire, theft, accidents, and
market fluctuations, leaving them vulnerable to significant financial losses. These losses
can have long-lasting consequences on the sustainability of the business. However, with
adequate insurance coverage, MSMEs can protect themselves against unforeseen risks
and recover quickly from any losses. By providing financial protection, insurance coverage
instills confidence in MSMEs, allowing them to take calculated risks and expand their
businesses. Thus, the Insurance scheme shall enable the MSMEs to thrive in a competitive
business environment.
 Eligibility for availing assistance under the Scheme
 All MSMEs in the manufacturing or service or trade sector having valid UDYAM registration
in Kerala and have enrolled for insurance under the “Bharat Sookshma/ Laghu Udyam
Scheme” from any one of the four public sector insurance firms that are part of this scheme
for the period beyond April 1, 2023, are eligible for assistance under this scheme
 The assistance under the scheme shall be provided in the form of reimbursement
 Enterprises are eligible for reimbursement of 50% of their annual insurance premium (up to a
maximum of Rs. 2500)

How to apply for the scheme

 If the applicant MSME has not taken Insurance Policy yet, there is a provision in the portal to
intimate its willingness to the four Insurance companies. The Insurance Companies will
upload their premium amounts to the applicant through the portal. The applicant can choose
the most suitable quote through the portal. Hence the MSME can enjoy the best premium
amount through this scheme.
 MSMEs shall purchase the insurance policy by paying the full annual premium from any one
of the four public sector insurance firms that are part of the scheme
 After purchasing the policy, MSME shall submit the application for reimbursement to the
District Industries Centre concerned through the online portal; Along with the application,
UDYAM registration certificate of the unit, insurance policy document and receipt of premium
paid should also be submitted as supporting documents
 DIC shall calculate and reimburse the eligible assistance amount to the bank account of the
MSME unit (50% of the annual premium paid or Rs. 2500, whichever is lower).


One Local Body One Product (OLOP)

 One Local Body One Product (OLOP) Scheme

The Government of Kerala (GoK) had declared 2022-23 as the “Year of Enterprises” with
the motto “My enterprise, Nations’ pride”. As part of this initiative, from April 1, 2022, to
January 11, 2024, more than 2,11,042 enterprises have registered in the State bringing in
an investment of Rs. 13,244 Crores and creating more than 4,49,852 employment
opportunities.

The State Government has established an ecosystem where a greater number of

enterprises are operating successfully. The schemes and services implemented by the
Industries Department are aimed towards nurturing of this ecosystem. The Local Self
Government Department has been providing excellent support to the Industries Department
in creating this positive entrepreneurial environment in the state. The LSGD is also
implementing several projects in convergence with the Industries Department.

The One Local Body One Product (OLOP) scheme is a joint initiative undertaken by the
Department of Industries & Commerce and Department of Local Self-Government in
Kerala. It is envisaged to promote the utilization of the local resources to create value
added products and connect them to the global market. The scheme aims to strengthen the
domestic production by manufacturing indigenous products using locally available
resources in collaboration with the Local Self-Government Institutions (LSGI). As a first step
towards OLOP project implementation, each LSGI is required to identify products having
potential for economic growth by value addition to locally available resources.
To ensure the sustainability of the OLOP project, each LSGI needs to develop a Detailed
Project Report (DPR). Through this scheme, Industries Department shall provide
assistance to local bodies for preparation of the DPR towards the implementation of OLOP
project. The initiative aims to select, brand, and promote at least One Product from each
local body for enabling holistic socioeconomic growth of the local body.

The products selected under OLOP shall be based on various factors like Raw material
availability, Infrastructure availability, value addition potential, availability of skilled labor,
marketing facilities etc. The assistance of up to Rs. 50,000 per local body shall be provided
as cost of preparation of the DPR by the Industries Department. The assistance will be
released in two stages:

 50% as advance i.e., Rs. 25,000 shall be disbursed as first installment on getting approval of
the product under the OLOP scheme.
 The balance amount limited to a maximum of Rs. 25,000 incurred as actual expense shall be
disbursed as second installment on getting the approval of DPR by the District Level
Approval Committee.

The DPR shall be a comprehensive outline of the OLOP project consisting of technical,
financial, and all other information related to the project. It shall contain details about the
availability of resources, infrastructure, and existing value addition mechanism. DPR shall
also act as a guideline for the implementation of the project and shall assist in the planning,
decision-making, execution, and approval of the OLOP project.

Scheme Implementation

To prepare the DPR for the OLOP project, the LSGIs may take the assistance from the
agencies empaneled by the Industries Department or any other competent agency of their
choice.

Once the DPR is approved, the LSGI shall ensure the implementation of the OLOP project
as per the timelines and milestones mentioned in the approved DPR. Monitoring and
evaluation of the project shall be conducted by the local body at all stages of the project, as
per the approved framework in the DPR. Necessary actions towards ensuring the
sustainability of the OLOP project shall be taken by the LSGI.

The Industries Department shall provide necessary technical advice to local bodies to
implement the DPR. Department shall also provide available support to the OLOP products
for marketing through various channels, including e-commerce platforms, government
exhibitions, and fairs.

All other expenses towards the implementation of this DPR shall be met by the respective
local body. LSGIs may utilize the Local Economic Development and other funds available
under the various Central/ State schemes for the successful implementation of the OLOP
project. Any additional requirement may also be met from the budgetary provisions of the
local body.

Till date, the Local Self Government Department has been providing all the necessary
cooperation and support towards the activities conducted by the Industries Department.
Going forward, we expect to strengthen our relationship for the successful implementation
of all the projects including the OLOP scheme.

Campus Industrial Park

 Campus industrial parks envisages to encourage entrepreneurship among students and to
strengthen the industry academia collaboration. The scheme aims to make use of the
unutilised land, with the educational institutions, for industrial purpose.

Educational institutions (Arts & Science Colleges, Professional Colleges, Polytechnics,

ITIs,etc.),Universities owning minimum 5acres of land who are willing to develop an
industrial park or owning minimum 2 acres of land who are willing to construct Standard
Design Factory (SDF) can apply to obtain the Campus Industrial Park developer
permit.Prospective entrepreneurs or entities entrusted by the educational institutions can
also become developers of Campus Industrial Park. The land proposed for Campus
Industrial Park shall be fit for Industrial use. It shall not fall in Ecologically Sensitive Areas
(ESA) or Coastal Regulation Zone (CRZ) or exempted Plantation area.It shall not fall with in
the purview of Kerala Conservation of Paddy Land and Wet Land Act 2008. The land
should not have any other restrictions regarding land usage.

The educational institution shall apply online along with the 'No Objection Certificate’ of
Higher Education Department. If the applicant is the entity/entrepreneurs entrusted by the
institution along with the NOC, the agreement between the entity and institution should also
be submitted.

Government will extend ₹20 lakh per acre limited subject to a maximum of ₹150 lakh per
park towards building infrastructure facilities such as Electricity,Water, road, drainage,
ETP/CETP, Common facilities like laboratory, testing and certification facilities. A separate
Single Window Clearance Board for each Campus Industrial Park will be formed.

SERVICES

Capacity Building
 Entrepreneur Awareness Programme (EAP)
Entrepreneur Awareness Programme is one day awareness camp cum seminar being
conducted for entrepreneurs in Block Panchayaths, Municipalities and in Municipal
Corporations to familiarise various opportunities and facilities available for establishing
enterprises. Also, EAPs are being conducted in Industrial Training Institutes, Polytechnics,
Arts & Science Colleges among students for inculcating entrepreneurial culture.

 Entrepreneurship Development Programme (EDP)

Entrepreneurship Development Programme is a district level, 15 days training
programme accommodating 30 entrepreneurs to equip them to start, run,
manage and expand their ventures successfully. EDP has been conducted by
engaging the faculties/ experts from the respective sectors.
 Technology Management Development Programme
(TMDP)
The objective of this scheme is to provide skill based training to youth so as to
provide them enhanced proficiency for setting up enterprises or equipping them
to become entrepreneurs. This scheme intends to impart skill development
training to 50 youth in each district in selected areas. Emphasis will be given to
sectors like Apparel & Fashion design, Food processing, Light engineering,
Storage devices, electronic equipment, Energy saving devices, Non Conventional
energy generation, Plastic recycling and waste management etc

 Investors’ Meet
Investors’ Meets are one day workshop for facilitating the interaction of the Prospective
investors, existing entrepreneurs, financial institutions, line departments and other agencies
at the Taluk level and at District level.

 Technology Clinic
Technology Clinics are two days programme by accommodating the entrepreneurs of the
existing units. This clinic will be conducted by utilizing the faculties of reputed institutions
and technocrats to equip the entrepreneurs to modernize/ upgrade the technology of
existing units and to discuss their technical problems. The technology clinic will be in any
one of the thrust sectors.

 Entrepreneurship Development Club (ED Club)

Entrepreneurship Development Clubs have been formulated in schools and colleges to
inculcate Entrepreneurial Culture amongst youth and equip them with the skills, techniques
and confidence to act as torch-bearers of entrepreneurship of the new generation. Financial
Assistance of Rs.20,000/- will be sanctioned to the ED Clubs to conduct programmes to
inculcate entrepreneurship qualities, to sensitise industrial scenario of the state, to nurture
the latent entrepreneurial talent, develop awareness among its members of the attitudes,
values, and skills of successful entrepreneurs around the globe etc.

Scheme Related GO's and Guidelines

 Guidelines- Circular TC/T2/15442/2007 Dated: 07/2007

 Vyavasaya Keralam
Vyavasaya Keralam is a magazine which is printed and published by the Directorate of
Industries and Commerce. The Chief Editor of the magazine is the Director of Industries
and Commerce. Information related to the industrial scenario of the state and the news
items which are of interest to the entrepreneur community are covered in the magazine.
About 8000 entrepreneurs have been subscribed to the magazine at present.

 Documentation Centre
Documentation centre is functioning in the III floor of District Industries Centre, Water works
compound, Thiruvananthapuram under the control of Directorate of Industries &
 Commerce. The main activity of the centre is in connection with printing and publishing of
Vyavasaya Keralam Magazine. The library under the control of the Directorate of Industries
& Commerce is functioning at the documentation centre. Project reports, Project profiles,
reference books, journals, publications about industrial information are available in the
library.

Infrastructure Support

 Industrial Development Areas/ Plots

Kerala, comparing with the other states of India, is densely populated one and the land as a whole,
is deemed to be scarce for even to provide ample accommodation to its people. Needless to say
that land for Industrial purpose is commonly out of reach for the needy people. The industrial
activities in residential areas or its vicinity attracts protests and disturbance from the other walks of
life, as it is portrayed as a menace for habitation and vegetation. On the other hand, in remote areas
where at the land, can rather be spared, faces acute deficit of other infrastructure such as Power,
transportation facilities etc. The remedial measures against these hindrances pave the way to
Industrial Areas /Plots, generally known as Industrial Estates.

The Director of Industries & Commerce controls 10 Industrial Development Areas, 25 Industrial
Development Plots , 2 Coir Parks and one functional Industrial Estate,situated all the Districts
except Wayanad, of which the total area comes to about 2400 acres and accommodates 2500 odd
industrial units as tabulated here

1 Thiruvananthapuram 1 DP Manvila AutoCAD File Download

AutoCAD File Download

2 DA Veli AutoCAD File Download 1

Auto CAD File Download 2

Sheet No.1 JPEG Download

jpg Download

Sheet No.3 jpg Download

Sheet No.4 jpg Download

2 Kollam 1 DA Chathannoor PDF Download

PDF Download

2 DP Mundakkaal PDF Download

3 Pathanamthitta 1 Dev. Plot. Kunnamthanam AutoCAD File Download

4 Alappuzha 1 D.A.KOLLAKADAVU PDF Download Available

2 D.P CHENGANNUR PDF Download Available

3 D.P. PUNNAPRA PDF Download Available

4 COIR PARK I PDF Download Available

5 COIR PARK II PDF Download Available

6 D.A. AROOR PDF Download Available

5 Kottayam 1 DP - Athirampuzha AutoCAD File Download

2 DP - Poovanthuruthu AutoCAD File Download

3 DP - Vaikom AutoCAD File Download

6 Idukky 1 DP Muttam Download Available

7 Ernakulam 1 DA Edayar AutoCAD File Download

2 DA Aluva Download Available

Document 1

Document 2

Document 3

Document 4

3 DA Vazhakkulam Download Available

Document 1

Document 2

Document 3

Document 4

4 DA Angamali 4 Pdf files - Zip file download

5 DP Angamali
 6 DP Kalamassery PDF Available

8 Thrissur 1 Kunnamkulam AutoCAD File Download

2 Velakode AutoCAD File Download

3 Puzhakkal padam AutoCAD File Download

4 DA/DC - Varavoor AutoCAD File Download

5 Ayyankunnu AutoCAD File Download

6 Athani AutoCAD File Download

9 Palakkad 1 NIDA Kanjikode NIDA Group Sktech

Sheet No1 AutoCAD File

Sheet No2 AutoCAD File

Sheet No3 AutoCAD File

Sheet No 3-1 AutoCAD File

2 IDA Pudussery AutoCAD File Download

3 DP Kappur AutoCAD File Download

4 DP Koppam (6.53 encroachment) AutoCAD File Download

5 DP Shornur AutoCAD File Download

10 Malappuram 1 FIE,Payyanad AutoCAD File Download

11 Kozhikkode 1 West Hill DP AutoCAD File Download

2 Kattippara DP AutoCAD File Download

12 Wayanad NIL

13 Kannur 1 IDP Andoor AutoCAD File Download 1

AutoCAD File Download 2

AutoCAD File Download 3

14 Kasaragod 1 DP ANATHPURAM PDF Download Available

2 DA ANANTHAPURAM PDF Download Available

3 CHATTANCHAL PDF Download Available

4 DP Madikki
 District Level Land Related Orders:
All land related orders are being published under respective micro sites- District Industries Centres
–Infrastructure- Orders & Circulars.

 Standard Design Factories under PPP Mode:

Since shortage of land continues to be a major hurdle for Industrial development, Government have
initiated to sponsor a PPP scheme in collaboration with the Local Self Governments. Under this
scheme, SDFs will construct in the industrial lands owned by LSGs.

 Multi Storied Industrial Estate:

The need to accommodate more units in a minimum area of land has reached at
Multi storied Industrial Estate (Standard Design Factories (SDFs)). The Standard
Design Factories are aimed to construct in DAs/DPs to provide entrepreneurs on
rental. The projects of this kind implemented / under
implementation are tabulated here

 Multi Storied Industrial Estate:

The need to accommodate more units in a minimum area of land has reached at
Multi storied Industrial Estate (Standard Design Factories (SDFs)). The Standard
Design Factories are aimed to construct in DAs/DPs to provide entrepreneurs on
rental. The projects of this kind implemented / under
implementation are tabulated here

 Rebuild Kerala
Proposal at an estimated cost of Rs.406.07 Crores for the construction of 11 Multi Storied
Galas in 7 districts has been submitted to Government for getting funds under ‘Rebuild
Kerala’.

Facilitation and support

 MSME Clinic
 The MSME Clinic, a panel of experts who have proven expertise in
resolving entrepreneurial doubts and resolving their issues in various
fields, is set up in all District Industries Centres under the
supervision of the General Manager. District wise details of these
MSME clinics are given below. Registration software is being
developed to facilitate this service to entrepreneurs.

 Grievance Redressal System

As per Act 19 of 2022, the Amendment of the Kerala Industrial

Single Window Clearance Boards and Industrial Township Area
Development Act 1999,Grievance Redressal System was
constituted. Rules were also released as per G.O (P) No. 8/2022/ID
dated 13 th April 2022. State and District Level Grievance Redressal
Committees were also formed for the functioning of the system, as
per G.O (MS) No. 107/2021/IND dated 30.10.2021.

As per the Act, Grievances related to industries with capital

investment up to Rs. 10 cr are to be considered by the District Level
Grievance Redressal Committee and grievances related to
industries with capital investment above Rs. 10 cr and appeals
against the decision of the District Level Committee are to be
considered by the State Level Grievance Redressal Committee. In
the district level committee District Collector is the Chairman and the
General Manager of the District Industries Centre concerned is the
Convenor.

In the State Level Committee, the Principal Secretary (Industries) is

the Chairman and the Director of Industries and Commerce is the
Convenor. The District and State Level Grievance Redressal
Committee shall have the powers of a Civil Court while trying a suit
under the Civil Procedure Code, 1908 (Central Act 5 of 1908). If the
District Grievance Redressal Committee or the State Grievance
Redressal Committee finds that the designated officer has failed to
provide the services without sufficient and reasonable cause, the
Chairman of the Committee concerned may by order in writing
impose a fine on the designated officer at the rate of two hundred
and fifty rupees for each day’s delay the sum of which shall not
exceed ten thousand rupees and may recommend disciplinary
 action against such designated officer under the service rules
applicable to him.

Traditional Sectors

HANDICRAFT
Handicrafts sector in the country provides employment to as many as 35
lakhs people and earns foreign exchange to the tune about Rs.36,000
Crores annually. The sector plays a crucial role in rural economy of the
country. The Handicrafts sector reflects the cultural richness and the
products display the diversity and traditions that exist in the country. The
Industry faces a lot of challenges on account of poor productivity, poor
wages, and drudgery in work places etc.The younger generation is not
enthusiastic about continuing in the traditional sector. Realising the
potential of this sector central and state Government have come up with a
number of schemes for the development of sector such as cluster
approach for development, Advanced tools and Craft development
centres, Skill development training, Design and product development,
Creation of marketing infrastructure, Craft tourism initiatives etc. In the
state of Kerala it is estimated that there are about 1.7 lakh handicrafts
artisans actively engaged in the sector. There are 32 different crafts in
Kerala of which ivory carving, wood and horn carving, bell metal casting
hand embroidery, coconut shell carving are important commercial items.
The schemes implemented by the Government of Kerala intend to
eliminate middlemen, improve the skill of artisans, productivity, increase
market opportunities and strengthen Co-operatives.

 The Major Schemes envisage under Handicrafts Sector is

detailed below

I. Handicrafts Sector
Assistance to Apex Organisations in Handicrafts sector
The scheme is provided for extending assistance to the following major public sector and apex
organisation under handicrafts sector based on definite feasible project proposals
1. Handicrafts Apex Co-operative Society (SURABHI)
2. Kerala State Bamboo Development Corporation (KSBC)
3. Kerala Artisans Development Corporation (KADCO)
4. Handicrafts Development Corporation (HDCK)
5. Kerala State Palmyrah Products Development Welfare Corporation Ltd.(KELPALM)
 Establishment of Common Facilities Service Centre for Handicrafts Sector
In handicrafts sector a major problem faced by the artisans is the non availability of a common
centre at where they could get the services and machineries in an affordable rate.
Establishment of Common facilities Service Centre for Handicraft Products in selected
crafts/areas is essential for giving training in handicrafts, quality testing, machine based job
work dyeing, polishing and printing works; the scheme is intended for development and
promotion of new designs, Establishment and Modernization of Common Facility Service
Centres of Surabhi, KADCO, HDCK & KELPALM.

 Assistance Scheme for Handicrafts Artisans (ASHA)

 Employment Generation in traditional sector

The scheme is for implementing the recommendations of mission on Employment
Generation approved by the Government. The amount shall be used for
activities/programmes in traditional sector.

BEEDI
In the Beedi Industrial sector Kerala Dinesh beedi, the central co-
operative society has a major role. Since the beedi production and
consumption is not being promoted a large number of traditional beedi
workers are out of the job and they need to be rehabilitated.

Kerala Dinesh beedi is engaged in activities to diversify their product line

from beedi to other areas such as Coconut products,Cashew
products,Food processing,Garments,Curry powder,Computer training
courses etc by their brand name.

BAMBOO

The activities included in this scheme are development of Bamboo related

industries under the oversight of state bamboo mission and Kerala State
bamboo Development Corporation.
The components of the scheme are
1. Conducting skill upgradation training programmes for artisans and
craftsmen in making diversified and value added products of bamboo and
for increasing the sales of bamboo products
2. Promotional activities in Bamboo Sector including participation in
national/international events
3. Development of Bamboo-Supply chain and Setting up of Treatment
Plants and Distribution centres
4. Training through need assessment
5. Setting up of CFCs
6. Organise “Kerala Bamboo fest” with international participation
7. Hand Holding of Innovation Centre.

HANDICRAFT AWARDS

CFSC FOR HANDICRAFTS

Cluster Development & Establishment of Common Facilities Service

Centre for Handicrafts Sector

Considering the huge impact of the sector in the rural economy it is crucial that
urgent steps are taken for comprehensive development. A cluster approach for
development is widely appreciated as successful model and Government of India
have identified cluster development as an important component in the National
Handicraft Development programme. In line with this the Directorate of Industries
and Commerce have initiated steps for identifying and developing clusters in
traditional sectors of crafts across the state

Thus 11 Handicraft clusters have been identified as detailed below

Name of Cluster Sl. No. Implementing District
Agency
1 Handicrafts Wayand
Banana Fibre Development
Corporation of Kerala
Ltd.
2 SURABHI Alappuzha
 3 Kerala Artisans Idukki (Kumili)
Development
Corporation Ltd
Screw Pine 4 SURABHI Kottayam
Bell Metal 5 Handicrafts Kannur (Kunnimanga
Development
Corporation of Kerala
Ltd.
6 Handicrafts Malappuram (Nilambu
Clay/Pottery Development
Corporation of Kerala
Ltd.
7 Kerala Artisans Kozhikkode
Development
Corporation Ltd
8 District Industries Wayanad (Mananthav
Centre, Wayand
Wood 9 Handicrafts Thrissur (Cherpu)
Development
Corporation of Kerala
Ltd.
10 SURABHI Ernakulam (Maradu)
Screw Pine 11 Kerala Artisans Kollam
Development
Corporation Ltd

 Kerala Brand
Kerala Brand is envisaged to deliver an appealing image of Kerala’s
products/ services to the global customer. It will project Kerala’s
commitment to quality, ethical and responsible industrial practices
and enable Kerala’s enterprises in tapping into the global market
potential by creating a unique identity for the indigenous products
“Made in Kerala”. Products/ services which are being
produced/offered in an environmentally sustainable way, following
ethical practices and conform to specific quality standards and
 certifications, will be selected from selected sectors for identifying
under the Kerala Brand.

The objectives of Kerala Brand are:

 Manufactured in Kerala
 No Child Labour
 Inclusive Workplace without any discrimination on Sex/ Caste/
Category
 Safe, clean, and progressive workplace
 Technology Enabled Manufacturing/ Service
 Environment friendly practices

Kerala Brand will be a mechanism of ensuring the availability of

products which meet high quality standards to consumers and
improve the marketing potential of manufacturers/service providers
committed to conform to these standards. It will act as a
differentiator for products/services of high-quality standards.
The products obtaining Kerala Brand certification shall:

 be able to market under the unique “MADE IN

KERALA” brand name at domestic and international levels
 receive financial assistance for obtaining high quality
certifications which shall further aid in improving exports
 Be considered in the list of products/services showcased at
International Trade fairs, Marketing Expos etc.

Kerala Brand hopes to significantly improve the marketing potential

for manufacturers who are willing to comply with the prescribed
standards to ensure the quality of the products. This shall further
enable the manufacturers of other products that get Kerala Brand
Certification to market their products under the unique brand name
"MADE IN KERALA" at the domestic and international levels.
 Licenses/ Clearances

 K-SWIFT

Message from the Industries Minister

The State of Kerala is growing rapidly with the sole objective of

transforming into an entrepreneurial haven. Kerala offers one of the best
in class world of infrastructures viz., excellent road, rail, harbour
connectivity and 3 international Airports connecting to key parts of our
Country, high internet connectivity and instant data transfer facilities.
Kerala Government has implemented the Online Single Window
Clearance Mechanism (KSWIFT), a web based online facility for
entrepreneurs desirous of setting up and running enterprises in the State,
with a view to explore the tremendous potential towards boosting its
economic output to much higher levels.
In order to promote the core competency areas of Kerala, dedicated
sector-specific industrial parks are rapidly being set up across the State.
These parks offer walk-in-and-manufacture environments with state-of-
the-art infrastructure, thereby enabling a hassle-free start-up for
industries in the state. Besides, Kerala is the only state in the country with
a legislation for Ease of Doing Business in order to attract investments
into the state. I welcome all investors to choose Kerala as their favoured
investment destination, ‘Kerala- God’s own land of enterprises’.
THE INDUSTRIES MINISTER

E.P Jayarajan
Setting up a business
Message from the Chief Minister

Kerala, an investor and environment friendly state, where your

actions inspire others to dream more, learn more, do more and
become more. With its abundant ecological diversity and established
industrial and services sectors alike, the State is steadily diversifying
its economy and offers a very congenial social atmosphere to live in.
The State strives to create a conducive environment to attract major
investments and to improve the Ease of Doing Business in the State,
for sustainable development given its ecological heritage. Being a
most advanced society in the country, Kerala with highest literacy
rate in country, highest life expectancy, least population growth,
lowest infant mortality, is not surprisingly, has been adopted by the
world bodies as a role model for developing countries.
The skilled manpower that makes use of the opportunities of the
global economy makes the State a human resource pool. A variety of
quality educational and research institutions ensure abundant supply
of quality manpower, whatever be the sphere of business activity.
Kerala, is, was and always will strive to be the most sought after
destination for investors both nationally and internationally.
The State Government has introduced an online single window
clearance mechanism to facilitate fast and time-bound grant of
licenses, permits and clearances thereby transforming the State into
a vibrant investor friendly destination and to accelerate its industrial
growth and employment generation across all categories.

THE CHIEF MINISTER

 Pinarayi Vijayan

 K-SWIFT

Single Window Interface for Fast

&
Transparent Clearance

Kerala introduced a Single Window Clearance Act to enable

Ease of Doing Business way back in 1999. The online
clearance mechanism (SWIFT) is aimed at facilitating
clearances from departments / agencies concerned for setting
up and running of an enterprise in the State. To cater this need,
Single Window Clearance Boards have been constituted at
State, District and Industrial Park levels. Investment Promotion
and Facilitation Cells are set up at the State and District levels
to address investor queries and grievances.


Panchayats

Municipalities

Electrical Inspectorate

KSEB

Kerala Water Authority

Ground Water

SEIAA

Pollution Control Board

Town & Country Planning

Mining & Geology

Forest & Wildlife

 Lubricating Oil & Grease License (LOG License)

As per the Lubricating Oils and Greases (Processing, Supply and

Distribution Regulation) Order, 1987 under the Essential Commodities Act
1955, the Director of Industries & Commerce is the competent Authority
for issuing license to processing, supply and distribution of Lubricating Oil
& Grease for five years. Online applications for the same in the
prescribed manner received by the General Manager, DICs after scrutiny
for eligibility will be recommended to the Director of Industries &
Commerce.

 Essentiality Certificate
Director of Industries & Commerce is issuing Essentiality Certificates for
Denatured Spirit, Rectified Spirit (Ethanol), Molasses, Methanol and Extra
Neutral Alcohol to industrial units for industrial purposes. The General
Managers shall receive the applications for Essentiality Certificate from
the units for the above raw materials and forward to the Director of
Industries & Commerce with necessary recommendation specifying their
requirements. For items other than molasses and spirit, the certificate is
issued by General Managers, District Industries Centres.

Post Production Support

 Micro and Small Enterprise – Cluster Development Programme

(MSE- CDP)
Cluster Development Scheme is being implemented in the
Micro and Small Enterprises sector in order to enhance the
productivity and efficiency. The scheme aims to bring
 together the units in the same geographical area, producing
same/similar products/services.

 Micro and Small Enterprise Facilitation Council (MSEFC)

The Micro, Small and Medium Enterprise Development
(MSMED) Act, 2006 contains provisions of Delayed Payment to
Micro and Small Enterprise (MSEs). (Section 15 - 24). State
Governments to establish Micro and Small Enterprise
Facilitation Council (MSEFC) for settlement of disputes on
getting references/filing on Delayed payments (Section 20 and
21).

Nature of assistance
MSEFC of the State after examining the case filed by MSE unit will
issue directions to the buyer unit for payment of due amount along
with interest as per the provisions under the MSMED Act 2006.

Who can apply?

Any Micro or small enterprise having valid EM Part -II /UAM can
apply.

Salient Features
The buyer is liable to pay compound interest with the monthly rests
to the supplier on the amount at the three times of the bank rate
notified by RBI in case he does not make payment to the supplier for
his supplies of goods or services within 45 days of the acceptance of
the goods/service rendered. (Section 16)

Every reference made to MSEFC shall be decided within a period of

ninety days from the date of making such a reference as per
provisions laid in the Act.

If the Appellant (not being the supplier) wants to file an appeal, no

application for setting aside any decree or award by the MSEFC
shall be entertained by any court unless the appellant (not being
 supplier) has deposited with it, the 75% of the award amount.
(Section 19)

Implementation
The provisions under the Act are implemented by MSEFC chaired
by Director of Industries of the State /UT having administrative
control of the MSE units. State Government/UTs are requested to
ensure that the MSE Facilitation Council hold meetings regularly and
delayed payment cases are decided by the Councils within a period
of 90 days as stipulated in the MSMED Act, 2006.

Ease of filing application under MSEFC –An Initiative from

Office of DC(MSME), M/o MSME

Office of DC(MSME has taken an initiative for filing online

application by the supplier MSE unit against the buyer of
goods/services before the concerned MSEFC of his/her
State/UT. At present, the applicant MSE unit submits an
application in writing to the MSEFC of his/her State/UT. The
applicant sometimes is not aware of the details to be submitted
before MSEFC and this also sometimes adds to the delay. Once
the portal is operationalized, the supplier MSE unit can submit
online application which will be viewed by the concerned
MSEFC.

 State Awards – 2023 for Micro, Small, Medium,

Large & Mega Enterprises, Best Performing Local
Self Govt. Institutions and District Industries
Centres [MSME Awards]

The Year of Enterprises 2022-23 initiative of the Government

of Kerala to facilitate the establishment of “One lakh new enterprise
in the state in One year” had seen success with the creation of
1,39,840 new enterprises in FY 2022-23 which created over 3 lakh
job opportunities and brought in Rs. 8422 Cr of investment. The
focus for the FY 2023-24 is to strengthen the industrial ecosystem
and to ensure that the newly created enterprises are sustained and
achieving growth. As a result of various activities implemented by
the Industries Department to promote entrepreneurship, more
enterprises are being established in the State.In view of recognizing
the contribution of enterprises and appreciating the best performers
& to motivate others to strive for excellence, GoK has decided to
organize the State Awards 2023 for the best enterprises/
entrepreneurs, District Industries Centers, and local bodies in the
State. As part of this endeavor, awards shall be conferred to the best
enterprises/ entrepreneurs, Export Units, Local Self-Governing
Institutions and District Industries Centers (DIC) in the State.

The awards shall be given to the best enterprises that have

shown exemplary performance at the state and district levels. In
addition to awards for enterprises operating in the manufacturing/
service/ trade sectors in micro, small, medium, large, and mega
category, awards shall also be given to export enterprises,
manufacturing startups and enterprises run by women/ SC/ ST/
transgender entrepreneurs. Further, Lifetime Achievement Award
shall also be given to an entrepreneur in recognition of the
outstanding contribution made towards the entrepreneurial and
social ecosystem of the State. Awards for MSMEs, Large & Mega
enterprises, and Export units are based on their performance till the
FY 2021-22. Awards for best Local bodies and District Industries
Centers are based on the support and services extended to
industrial growth in their respective areas during the FY 2022-23
(Year of Enterprises). The nominations received from enterprises,
Local bodies and DICs shall be evaluated through an objective and
transparent selection system.

An online portal has been developed for submitting the

nominations (http://awards.industry.kerala.gov.in). Enterprises
should submit information on their investment, annual turnover,
profits, exports, no. of employees, details of certifications received,
environmental sustainability practices, etc. in the online portal. Best
performing enterprises shall be selected using the scoring criteria
developed based on the above information. The best District
industries centers and local bodies shall be selected using the
scoring criteria based on information such as the number of
enterprises formed at the district and local body level as part of Year
of Enterprises 2022-23, number of employment opportunities
created, total investment, industrial parks, performance of other
schemes of the department, etc. Government of Kerala is committed
to creating an ecosystem where enterprises can grow and thrive. By
recognizing and appreciating the contributions of the best performing
enterprises, the state government also aims to inspire other
enterprises and entrepreneurs to strive for excellence. Award
nominations may be submitted in the online portal from 23rd August
2023 to 23rd September 2023.

COMMON FACILITY SERVICE CENTRES,

CHANGANASSRY( Plastic & Rubber), MANJERI
(Rubber)
Two Common Facility Service Centers (CFSCs) have been set up
at Changanassery and Manjeri to promote polymer based industry
especially Plastic and Rubber. This two centres are functioning
under the direct control of the Directorate of Industries and
Commerce. CFSC Manjeri provides Rubber related common facility
and CFSC, Changanassery provides Rubber and Plastic related
Common facility. Two CfSC has Tool Room Division to support
general Mechanical engineering works like automobile / wood /
printing presses / brick making units / other general engineering
enterprises.

Two CFSCs have well equipped Physical and Chemical testing

laboratory

Activities

1. Providing Common facility

2. Trainings and EDPs
3. Facilities for project works and research
4. Quality testing of polymer substances

Objectives of CFSC Manjeri (Rubber) and

Changanassery(Rubber and Plastic)

 To provide technical support to industrialists and entrepreneurs

in Rubber, Plastic and Tool Room based industries.
 To conduct training programmes and seminars for the
upliftment of rubber and Plastic based industries.
 To provide testing facilities for checking the quality of rubber
chemicals and rubber products.
 To provide laboratory facilities for the development of new
rubber products
 To provide the service of costly rubber processing machineries
to customers.
 To provide technical support for the fabrication of tools, moulds
and dies in the Tool Room

o CFC Changanassery
o CFSC - Manjeri

India International Trade Fair- 2022

India International Trade Fair 2022 is organized from 14th to

27th November 2022 at Pragati Maidan, New Delhi. A themed
stall of the Department of Industries has been set up in the fair
as a glimpse of Kerala's industrial growth.

As part of this year's theme, Vocals for Local and Local for
Global, Products from Kerala that have received geographical
indication awards and are exported from Kerala are on display
at the stalls. Apart from the theme stall, the Industries
Department has also arranged 4 commercial stalls to sell the
products of 8 micro, small and medium entrepreneurs from
Kerala. Kerala's unique delicacies such as coconut oil, spices,
various types of chips, cashew, mango and Ilanir dishes and
electronic products are available at the commercial stalls.

Kerala Pavilion won gold medal at the India International Trade

Fair (IITF) organized in New Delhi. The 6000 square feet
pavilion underlining the concept of 'Vocal for Local, Local to
Global' won the award in the State & Union Territory Pavilion
category. The State Industry and Commerce Department was
awarded the 'Best Theme Exhibitor' award. The Department of
Industries set up a themed stall in the fair as a glimpse of
Kerala's industrial growth.