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Uttarakhand Health & Family Welfare Society was constituted in the year 2002 with aim to serve as umbrella society for all national programs and effect health sector reforms with the help of external funding agencies such as USAID.
AIMS & OBJECTIVES OF UKHFWS
By vertical merger of all 6 important National Programs and recruitment of skilled staff the objective was to bring operational efficiencies in implementation of NPs at state and district level through smooth & effective fund flow, reporting mechanism and monitoring to oversee that the programs are running as planned and are on schedule in order to achieve the better health outcomes. All funds from Gol for operationalzing the NPs are received in UKHFWS and then released to program officers of different programs at state and district societies as envisaged in state & district action plans.
2018
UTTARAKHAND – INDIA`S EMERGING
PHARMA HUB
There are more than 300 pharmaceutical units engaged in manufacturing in Uttarakhand, majorly located in Selaquoi, Haridwar and Udham Singh Nagar
Currently Pharmaceutical sector employs more than 1,00,000+ people in Uttarakhand.
Currently, the Pharmaceuticals Industry of Uttarakhand is catering to around 20% of
country’s domestic requirement & Uttarakhand state is on a track of becoming global
Pharma hub.
With Uttarakhand State`s focus on pharmaceutical and infrastructure investments,
pharma majors have made their base in Uttarakhand
In order to facilitate Pharmaceutical industries in the State, with well-developed
infrastructure established at Pharma City Selaqui Industrial Area, Dehradun. Spread
across 50 acres, with a capital investment of INR 12059.62 Lakhs. It is providing
employment to more than 1200 people.
Abundant skilled manpower is available in the State. The Uttarakhand Skill
Development Mission trains students for employment under Pharmaceutical Sector
Banks sanction over Rs 15 lakh crore under Mudra Yojana
By: PTI,| May 26, 2021
As of March 26, 2021, loans sanctioned by member lending institutions amounting to Rs 15.10 lakh crore to 28.81 crore beneficiary, the Department of Financial Services under the Finance Ministry said in a tweet.
Mudra loan scheme - Success in meeting its targets of credit delivery.
Mudra loan scheme is a success in meeting its targets of credit delivery. The performance of the units and recovery of loans is to be watched.
14 September 2017
#PositiveIndia: Employment Potential of Mudra Finance - Employment to 2 Crore Persons per Annum
Presentation of Prof K.V.S.S. Narayana Rao, NITIE in a research conference on employment on 4 December 2017
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90 million loans worth 4.28 trillion rupees
We have launched the MUDRA scheme to provide easy finance of up to one million rupees to entrepreneurs. Since its launch in 2015,over 90 million loans worth 4.28 trillion rupees have been sanctioned.Of these, more than 70 million loans have been sanctioned to women entrepreneurs. - Prime Minister Narendra Modi
PM Modi - Inauguration Address - Global Entrepreneurship Summit-2017 in Hyderabad on November 28, 2017 https://www.narendramodi.in/pm-modi-inaugurates-global-entrepreneurship-summit-2017-in-hyderabad-537989
July 2017/ September 2017
Target for 2017 - 2018
The Union Budget has announced a target of Rs. 2.44 lakh crore for Mudra Loans during 2017-18.
My Suggestion for 2018 - 19 is target of Rs. 3.55 lakh crore with two sub category targets.
1. New units - Rs. 1 lakh crore for 1 crore persons.
2. Units promising additional employment to one person - Rs. 1 lakh crores for 1 crore units giving 1 crore persons wage employment.
3. Remaining Rs. 1.5 lakh crores under the old scheme.
MUDRA Loan scheme - Achivement during 2016 - 17
Loans extended under the Pradhan Mantri Mudra Yojana (PMMY) during 2016-17 have crossed the target of Rs. 1,80,000 crore for 2016-17.
Information available on sanctions currently stand at Rs. 1,80,087 crore with final data still awaited from some of the smaller non-banking lenders. Of this amount, Rs. 1,23,000 crore was lent by banks while non-banking institutions lent about Rs. 57,000 crore.
The number of borrowers this year were over 4 crore, of which over 70% were women borrowers. About 20% of the borrowers were from the Scheduled Caste Category, 5% from the Scheduled Tribe Category, while Other Backward Classes accounted for almost 35% of the borrowers.
Credit to Micro, Small and Medium Enterprises (MSMEs) recorded a y.o.y growth of 8.53%
to 67074 crore.
Credit to M&SE segments reached 50997 crore, with a growth of 7.58% y-o-y. The number
of Micro Enterprises Accounts recorded a growth of 22.02%.
Pradhan Mantri Mudra Yojana (PMMY)
Under Mudra Yojana, the Bank disbursed 888 crore, covering 78016 accounts in the first quarter.
Dena Bank First Quarter April to June 2016
MSME Advances improved by 2.09% on Y-O-Y basis and stood Rs. 13,945 cr as of June 2016.
Micro Units Credit Target set by Central Govt. under PMMY for 2016 - 17
Target for FY 2016-17
Government of India has set a target of ` 1,80,000 crore for FY 2016-17 to SBI & Associates, Public Sector Banks, Private Sector Banks, Foreign Banks, Regional Rural Banks, NBFC-MFIs and Non-NBFC MFIs as per the details given below:
Sr. No. Type of the institution Target Amount
in ` crore
1 Public Sector Banks 77,700
2 Private Sector Banks & Foreign Banks 21,000
3 Regional Rural Banks 15,000
4 NBFC – MFIs 64,240
5 Non – NBFC MFIs 2,060
Total 1,80,000
Performance of Mudra (SIDBI) Bank for the year 2015-2016
Micro Units Development & Refinance Agency Limited (MUDRA) and Pradhan Mantri MUDRA Yojana (PMMY) were launched on 08 April 2015 by the Hon’ble Prime Minister, Shri Narendra Modi. The guidelines of PMMY issued by Department of Financial Services (DFS), GOI indicated that all banks are required to lend to micro enterprises engaged in manufacturing, processing, trading and service sector activities, for a loan upto ` 10 lakh. Further, it was also advised that the loan may be given in three categories, i.e. Loan upto ` 50,000 under Shishu; ` 50,000 to ` 5 lakh under Kishor;
and ` 5 lakh to ` 10 lakh under Tarun. Also, it was envisaged that more focus will have to be given for the Shishu category. A target of ` 1,22,188 crore was set for F.Y. 2015-16.
MUDRA was asked to the progress of PMMY.
In order to give a boost to the lending under PMMY, especially for Shishu category loans, a credit campaign was carried out from 1st September 2015 to 2nd October 2015. The campaign culminated in mega credit camps in different locations in the country from 25th September 2015 to 02nd October 2015.
Review of performance of PMMY during 2015-16
The data collected through portal has been analyzed and some of the salient features are as under:
1. Overall Achievement vis a vis target
The overall performance of the Yojana indicates that the target has been achieved during the year. As against the target of ` 122188 crore, the Banks and MFIs together have disbursed ` 132954.73 crore, thereby achieving 109%. The achievements by Public Sector Banks indicate a substantial credit growth in this segment. Based on the data collected from the PSBs, it was seen that the disbursement by these banks in this segment was around ` 33,000 crore during the 2014-15 which has recorded
a growth of 70% during 2015-16. The other lending institutions have also achieved high credit growth in this segment due to the initiative of Pradhan Mantri MUDRA Yojana.
Performance – Banks and MFIs Together (No. of accounts)
Category Total
Performance – Banks & MFIs (Amount Disbursed)
Amt in ` Cr
Category Total
Shishu 62027.69
Kishor 41073.28
Tarun 29853.76
Total 132954.7
Average Amount
Disbursed/ Account Rs. 38,000
Financing for New entrepreneurs
MUDRA loan is meant for ‘funding the unfunded’. It is available for both new units and expansion of existing units. The data of new entrepreneurs supported under PMMY, indicate that out of 3.49 crore accounts financed during the year, 1.25 crore accounts were for new entrepreneurs, which work out to 36%.
Target for FY 2016-17
Government of India has set a target of ` 1,80,000 crore for FY 2016-17 to SBI & Associates, Public Sector Banks, Private Sector Banks, Foreign Banks, Regional Rural Banks, NBFC-MFIs and Non-NBFC MFIs as per the details given below:
Sr. No. Type of the institution Target Amount
in ` crore
1 Public Sector Banks 77,700
2 Private Sector Banks & Foreign Banks 21,000
3 Regional Rural Banks 15,000
4 NBFC – MFIs 64,240
5 Non – NBFC MFIs 2,060
Total 1,80,000 file:///C:/Users/hp/Downloads/Highlights%20of%20PMMY%20performance%20during%20FY%202015-16.pdf
From the information given in this report, we can say that institutional finance reached a larger percentage of msmes now. 7,01,74,668 msmes exist now (new small and medium enterprises are not included). 3,48,80,924 msmes got finance under Mudra scheme. Thus almost 50% were covered by institutional finance now. When Mudra scheme was announced it was said that only 4% received institutional finance.
26-February-2016
MUDRA (SIDBI) Bank
MUDRA Mission
"To create an inclusive, sustainable and value based entrepreneurial culture, in collaboration with our partner institutions in achieving economic success and financial security."
http://www.mudra.org.in/
MUDRA Vision
"To be an integrated financial and support services provider par excellence benchmarked with global best practices and standards for the bottom of the pyramid universe for their comprehensive economic and social development."
Renaming of MUDRA Bank
The Union Cabinet has approved the conversion of MUDRA Ltd into MUDRA (SIDBI) Bank as, a wholly owned subsidiary of SIDBI to carry out the following functions:
i)Refinance operations,
ii)Support services with focus on portal management, data analysis etc,
iii)Any activity entrusted/advised by Government of India
MUDRA Ltd, has been functional since April 8, 2015. It has written to Reserve Bank of India for conveying concurrence for the conversion of the Company to MUDRA (SIDBI) Bank Ltd.
06-January-2016 14:28 IST
Cabinet approves creation of a Credit Guarantee Fund for MUDRA loans – A boost to refinance operations
The Union Cabinet, chaired by the Prime Minister Shri Narendra Modi has given its approval for the creation of a Credit Guarantee Fund for Micro Units Development Refinance Agency (MUDRA) loans and to convert MUDRA Ltd. into MUDRA Small Industries Development Bank of India (SIDBI) Bank as a wholly owned subsidiary of SIDBI.
The Fund is expected to guarantee more than Rs 1,00,000 crore worth of loans to micro and small units in the first instance.
The salient features of the scheme are as follows:
(i) Establishment of Credit Guarantee Fund for MUDRA Units(CGFMU) for guaranteeing loans sanctioned under Pradhan Mantri Mudra Yojana with effect from 8th April, 2015 with the objective to reduce the credit risk to Banks / NBFCs / MFIs / other financial intermediaries, who are Member Lending Institutions (MLIs).
(ii) The National Credit Guarantee Trustee Company Ltd. (NCGTC Ltd.), a wholly-owned company of Government of India, constituted under the Companies Act, 1956 (2013) to manage and operate various credit guarantee funds, shall be the Trustee of the Fund.
(iii) The guarantee would be provided on portfolio basis to a maximum extent of 50% of Amount in Default in the portfolio.
The MUDRA (SIDBI) Bank will undertake refinance operations and provide support services with focus on portal management; data analysis etc. apart from any other activity entrusted/ advised by Government of India.
Background:
MUDRA Bank and a Credit Guarantee Fund was proposed to be set up with a refinance corpus of Rs. 20,000 crore and a corpus of Rs.3,000 crore respectively as per the Budget Speech for 2015-16. As a precursor to the launch of the Pradhan Mantri MUDRA Yojana (PMMY) in April, 2015, MUDRA Ltd. was set up as a corporate subsidiary of SIDBI in March, 2015. The RBI has allocated Rs 20,000 crore and the first tranche’ of Rs 5000 crore has been received by MUDRA as refinance. http://pib.nic.in/newsite/PrintRelease.aspx?relid=134215
8 April 2015
PM launched Pradhan Mantri MUDRA Yojana
PM: The biggest capital of the poor is their integrity
PM: Combination of integrity with MUDRA – capital - will be the key to success for small entrepreneurs. पूंजी सफलता की कुंजी
The Prime Minister, Shri Narendra Modi, today said that supporting the small entrepreneurs of India is the biggest way to help the Indian economy grow and prosper. He was speaking at the launch of the Pradhan Mantri MUDRA (Micro Units Development and Refinance Agency) Yojana in New Delhi. Stressing the contribution of small entrepreneurs in the economy, the Prime Minister expressed confidence that within a year’s time, the major banks would also adopt the MUDRA model.
The Prime Minister said that in our country, one often experiences that things revolve around mere perceptions, while the details often paint a different picture. Giving the example of the perception that large industries create more employment, he said that a look at the details reveals the reality that only 1 crore 25 lakh people find employment in large industries, whereas small enterprises employ 12 crore people in the country.
The Prime Minister said that while there are a number of facilities provided for the large industries in India, there is a need to focus on these 5 crore 75 lakh self-employed people who use funds of Rs 11 lakh crore, with an average per unit debt of merely Rs 17,000 to employ 12 crore Indians. He said that these facts, when brought to light, led to the vision for MUDRA Bank.
The Prime Minister spoke about his time as the Chief Minister of Gujarat, when he focused on the environment-friendly cottage industry of kite making, which employs lakhs of poor Muslims. He said that he brought a research institute from Chennai on board which discovered that small inputs of skill development were needed in the industry. He said that he felt proud that these small efforts helped the kite-making industry grow from Rs. 35 crore to 500 crores in Gujarat.
The Prime Minister also gave examples of other small businesses that, with a little help, have the potential to grow manifold. He said that the biggest asset of the poor is his / her integrity (imaan). By combining their integrity with capital (MUDRA), it would become the key to their success - पूंजी सफलता की कुंजी. Speaking about women’s self help groups in particular, the Prime Minister said that the kind of honesty and integrity showed by these loan takers is seldom seen in any other sector.
The Prime Minister appreciated the efforts made by the banking sector of India in making Jan Dhan Yojana a success. He said that he envisioned that within a year, banks would queue up to give loans to MUDRA applicants. The Prime Minister also congratulated SIDBI on the silver jubilee of its inception, and appreciated the work done by it in supporting India’s small scale industry in these 25 years.
The Prime Minister said that MUDRA scheme is aimed at “funding the unfunded”. He said that the small entrepreneurs of India are used to exploitation at the hands of money lenders so far, but MUDRA will instil a new confidence in them that the country is ready to support them in their efforts that are contributing so heavily to the task of nation building.
The Prime Minister also spoke about the possibilities of value addition in agriculture. He said that, we must aim at creating a whole network of farmers engaged in value addition at the community level. Brand building, advertising, marketing and financial support, when given to such small entrepreneurs will strengthen the foundation of the Indian economy, he said.
The Prime Minister said that this will not entail any big changes in the existing structures, just a little empathy, a little understanding and a little initiative. He urged the banks to study successful models of microfinance, tailored to the local requirements and cultural contexts, which will be enable us to help the poorest of the poor in a big way.
The Prime Minister said that mere launching of new schemes in not progress. Real success lies in real change on the ground, as was seen in the Jan Dhan Yojana and PAHAL, which had delivered concrete results within limited timeframes, he added. He said that the established financial systems will soon move to the MUDRA-model of functioning, i.e. to support entrepreneurs that give employment to a large number of people using least amount of funds.
The Union Minister of Finance, Shri Arun Jaitley, the Union Minister of State for Finance, Shri Jayant Sinha, and the Governor of Reserve Bank of India, Shri Raghuram Rajan, were present on the occasion.
Mudra Bank was announced in the budget speech by Finance Minister Arun Jaitley.
The Union Finance Minister in his Budget Speech for 2015-16 announced formation of MUDRA Bank. He said “Madam Speaker, our government firmly believes that development has to generate inclusive growth. While large corporate and business entities have a role to play, this has to be complemented by informal sector enterprises which generate maximum employment. There are some 5.77 crore small business units, mostly individual proprietorship, which run small manufacturing, trading or service businesses. 62% of these are owned by SC/ST/OBC. These bottom of the pyramid, hard-working entrepreneurs find it difficult, if not impossible, to access formal systems of credit. I, therefore, propose to create a Micro Units Development Refinance Agency (MUDRA) Bank, with a corpus of `20,000 crore, and credit guarantee corpus of `3,000 crore. MUDRA Bank will refinance Micro-Finance Institutions through a Pradhan Mantri Mudra Yojana. In lending, priority will be given to SC/ST enterprises. These measures will greatly increase the confidence of young, educated or skilled workers who would now be able to aspire to become first generation entrepreneurs; existing small businesses, too, will be able to expand their activities. Just as we are banking the un-banked, we are also funding the un-funded.” http://pib.nic.in/newsite/PrintRelease.aspx?relid=117688
1 March 2015
Press Information Bureau
Government of India
Ministry of Finance
01-March-2015 20:17 IST
Micro Units Development and Refinance Agency (Mudra) Bank
According to the NSSO survey of 2013, there are 5.77 crore small business units, mostly individual proprietorships, which run small manufacturing, trading or services activities. Most of these ‘own account enterprises’ are owned by people belonging to Scheduled Caste, Scheduled Tribe or Other Backward Classes. Only 4% of such units get institutional finance. Providing access to institutional finance to such micro/small business units would turn them into strong instrument of GDP growth and also employment.
Micro Finance is an economic development tool whose objective is to assist the poor to work their way out of poverty. It covers a range of services which include, in addition to the provision of credit, many other services such as savings, insurance, money transfers, counseling etc. The players in the Micro Finance sector can be qualified as falling into 3 main groups:- the SHG-Bank linkage model started by NABARD, the Non Banking Finance companies and the others including Trusts, Societies etc.
The government proposes to set up a Micro Units Development and Refinance Agency (MUDRA) Bank through a statutory enactment. This Bank would be responsible for regulating and refinancing all Micro-finance Institutions (MFI) which are in the business of lending to micro/small business entities engaged in manufacturing, trading and services activities. The Bank would partner with state level/regional level co-ordinators to provide finance to Last Mile Financer of small/micro business enterprises.
The MUDRA Bank would primarily be responsible for –
1) Laying down policy guidelines for micro/small enterprise financing business
2) Registration of MFI entities
3) Regulation of MFI entities
4) Accreditation /rating of MFI entities
5) Laying down responsible financing practices to ward off indebtedness and ensure proper client protection principles and methods of recovery
6) Development of standardised set of covenants governing last mile lending to micro/small enterprises
7) Promoting right technology solutions for the last mile
8) Formulating and running a Credit Guarantee scheme for providing guarantees to the loans which are being extended to micro enterprises
9) Creating a good architecture of Last Mile Credit Delivery to micro businesses under the scheme of Pradhan Mantri Mudra Yojana
A sum of Rs 20,000 crores would be allocated to the MUDRA Bank from the money available from shortfalls of Priority Sector Lending for creating a Refinance Fund to provide refinance to the Last Mile Financers. Another Rs 3,000 crore would be provided to the MUDRA Bank from the budget to create a Credit Guarantee corpus for guaranteeing loans being provided to the micro enterprises.
The above measures would not only help in increasing access of finance to the unbanked but also bring down the cost of finance from the last Mile Financers to the micro/small enterprises, most of which are in the informal sector. http://pib.nic.in/newsite/PrintRelease.aspx?relid=116209
Updated 23 December 2017, 15 December 2017, 14 September 2017, 7 September 2017, 14 August 2017, 22 July 2017, 8 Sep 2016, 18 August 2016, 9 August 2016, 3 Feb 2016, 11 April 2015
All India Survey on Higher Education 2011 Provisional Report - Published in 2012. Available on MHRD Site, India
http://mhrd.gov.in/sites/upload_files/mhrd/files/All%20India%20Survey201011Book_1.pdf
The charming town of Garsain located around 280 km from Dehradun is situated in the Chamoli district of Uttarakhand. Gairsain officially became the summer capital of Uttarakhand. This happened after the state Governor Baby Rani Maurya gave her assent to it on June 8. The state government shared this information in its notification. This town nestled in Garhwal region and is located at around 280km away from Dehradun, the winter capital.
Industry and Business Units in Uttarakhand
https://www.doiuk.org/
https://doiuk.org/mysite/annual_report
https://doiuk.org/mysite/heavy_industries
BHEL, Haridwar has two manufacturing plants, Heavy Electricals Equipment Plant (HEEP) and Central Foundry Forge Plant (CFFP). It also has a Pollution Control Research Institute, PCRI. The Heavy Electricals Equipment Plant is one of the major manufacturing units of BHEL. The core business of HEEP includes design and manufacture of large size steam and gas turbines, turbo generators, heat exchangers, condensers and auxiliaries. The Central Foundry Forge Plant (CFFP) is engaged in manufacture of large size Castings and Forgings of various types of steels like alloy steels, creep resistant steel and supercritical grade steel. The Pollution Control Research Institute (PCRI) provides services in the field of Environmental Management and Pollution Control in the areas of air, water, noise and solid waste.
The Gross State Domestic Product (GSDP) of Uttarakhand for 2021-22 (at current prices) is projected to be Rs 2,78,006 crore.
Capital Outlay
Uttarakhand’s capital outlay for 2021-22 is estimated to be Rs 8,973 crore, which is annual increase of 29% over 2019-20. The revised estimate for capital outlay in 2020-21 is Rs 7,609 crore which is 3% higher than the budget estimate. The state estimates a significant annual increase in capital outlay across several sectors in 2021-22 as compared to actual expenditure 2019-20. These include: (i) housing (161%), (ii) health and family welfare (114%), and (iii) welfare of disadvantaged sections (89%). Among major sectors, capital outlay towards agriculture and allied activities decreased by 53% in 2021-22 in comparison to actual expenditure for 2019-20.
Capital expenditure for 2021-22 is proposed to be Rs 13,364 crore, which is an annual decrease of 4% over the actual expenditure in 2019-20. Capital expenditure includes expenditure affecting the assets and liabilities of the state, such as: (i) capital outlay, i.e., expenditure which leads to the creation of assets (such as bridges and hospitals), and (ii) repayment and grant of loans by the state government.
The Gross State Domestic Product of Uttarakhand for 2020-21 (at current prices) is projected to be Rs 2,93,488 crore.
Capital expenditure for 2020-21 is proposed to be Rs 11,137 crore, which is an increase of 16% over the revised estimates of 2019-20.
Capital expenditure includes expenditure affecting the assets and liabilities of the state, such as: (i) capital outlay, i.e. expenditure which leads to creation of assets (such as bridges and hospitals), and (ii) repayment and grant of loans by the state government.
Uttarakhand’s capital outlay for 2020-21 is estimated to be Rs 7,383 crore, which is 13.7% higher than the revised estimate of 2019-20. For the year 2019-20, the revised estimate for capital outlay is 1.2% lower than the budget estimate. In 2020-21, 22% of the total capital outlay is towards Transport, and 19% is towards Rural Development and Water Supply, Sanitation, Housing and Urban Development, each.
Revenue expenditure for 2020-21 is proposed to be Rs 42,390 crore, which is an increase of 19.5% over the revised estimates of 2019-20. This expenditure includes payment of salaries, pension, and interest etc.
