II. Direct Assistance Schemes
18. Project Finance Scheme
19. Venture Capital Scheme
20. Scheme for Financing Activities relating to Marketing of SSI Products
21. Scheme for Ancillary /Sub-contracting Units
22.Scheme for Development of Industrial Areas for SSI Sector
23. Equipment Finance Scheme
24. Scheme of Integrated Infrastructural Development (IID) (Including technological back-up services)
25. ISO 9000 Scheme
26. Scheme of Assistance for Savings-cum-Credit Groups (Micro Credit Scheme
27. Scheme for Foreign Currency Term Loans to SSI Units
28. PCFC Loans to Small Scale Industries
29. Opening of Foreign Letters of Credits (FLCs)
30. Technology Development and Modernisation Fund Scheme

III. Bills Schemes
31.Bills Rediscounting Scheme (BRS)
a) BRS(Equipment)
b) BRS(Short Term)
32.Direct Discounting Schemes (DDS)
a) DDS (Equipment)
b) DDS (Components)

The financial assistance to SIDBI to the small scale units scattered throughout the country is channelised through the existing credit delivery mechanism comprising State Financial Corporations, State Industrial Development Corporations, Commercial Banks, Cooperative Banks and Regional Rural Banks which have vast network of branches in the country.

In addition, SIDBI has also introduced direct finance schemes for specialised marketing agencies, sub-contracting/ancillary units and infrastructure development agencies so as to fill the gaps in these areas in the existing credit delivery mechanism. SIDBI operates a venture capital fund for support to ventures in the small scale sector which have special features in terms of technology, market prospects, return on investment or entrepreneurial profile.

All projects in the small scale sector are normally eligible for assistance. The minimum promoters contribution prescribed under the schemes generally varies between 10% and25%. The debt-equity ratio up to 3:1 is normally applicable under all refinance schemes in respect of loan amount up toRs.10lakh and upto2:1 aboveRs.10Iakh. Interest rate for, most activities is related top size of loan under various schemes of assistance. Repayment period for the term loan is fixed after taking into account the profitability and debt servicing capacity of the project.

SIDBI TECHNO MISSION, ASSISTANCE FOR TECHNOLOGY
Assistance under TDMF Scheme to SSI units - exporting and non­ exporting-
1. For technological upgradation, modernisation and allied facilities
2. For technology import/ transfer
3. For R&D, testing facilities, product/ design development, ISO
9000 certification, etc.
4. Assistance on soft terms -lower promoters' contribution, no upfront fee

Venture Capital support
1. Innovative projects
2. Commercialisation of technology with focus on biotechnology, food processing, etc.
3. Flexible funding - both equity and conditional loans
4. Contribution to special funds for software, IT related activities

Support Service Programmes
1. Cluster-based technology upgradation programmes
2. Transfer of technology and facilitating joint ventures through assistance from Technology Bureau for Small Enterprises
3. Skill-cum-Technology Up gradation programme
4. Quality awareness
5. Environment management
6. Hi-tech project profiles
7. Sponsoring exhibitions/ trade fairs

SIDBI's refinance to banks and State level institutions also covers their assistance to SSIs for technology upgradation, modernisation and ISO 9000 series certification. To facilitate technology upgradation and modernisation by SSIs, SIDBI has Memoranda of Understanding with CSIR and NRDC.

State Govts. /UT Govts. Incentives/Facilities/Concessions: In order to avail these facilities SSI units are required to be registered with the Directorate of Industries of State/UT Government. Some of the important facilities/ incentives provided are -
1. Land, developed plots and sheds in industrial estates on easy terms.
2. Necessary infrastructure at developed sites e.g. power, water, communication.
3. Capital subsidy on investment on fixed assets in selected backward areas at varying rates.
4. Sales tax deferment/ tax holiday.
5. Relief on octroi, electricity duty, stamp duty.
6. Interest subsidy.
7. Power subsidy, subsidy on generating sets.
8. Financial assistance for preparation of project reports.
9. Seed capital for starting projects.
10. Subsidy for obtaining technical know-how.
11. Subsidy for testing the products in approved test houses.

All these concessions are not uniform in the States. Their content, nature and quantum of assistance also varies from state to state and UTs. State Small Industries Corporations assist in procurement of raw materials, marketing etc. District Industries Centres playa crucial role in the promotion and development of small industries.