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  Micro Credit Plan Scheme  
     

Introduction
The J&K State is famous for the weaving of specialized fabrics like Pashmina shawls, Raffal shawls, Kani shawls, Silk sarees, Kishtwari blankets, Lois, Chashme Bul Bul blankets in hilly areas of the State besides Cotton Check bed sheets and long cloth in Jammu and Kathua Districts. The handloom sector, besides being environment friendly, has enormous employment potential as it is highly labour intensive with low capital investment.


To give boost to this Industry, the State Govt. is laying focus on product design and diversification, providing adequate credit facilities, enhancing weavers productivity through up-gradation of skills, use of efficient looms, providing market access through incentives and wide publicity.


There are 3741 handloom units in the State employing same number of persons producing Loies, Puttos, Tweed, Blankets, Raffal, Pashmina and Dusoti Khad. Integrated Handloom Development Scheme (IHDS) is a centrally sponsored scheme which is being implemented by the Department to facilitate development of cohesive, self-managing and competitive handloom units. Under the said scheme, 12 Handloom Clusters and 17 Group approach projects have been taken up at the projected cost of Rs 832.19 lakh.


Micro Credit Plan Scheme:
The scheme is aimed to provide employment opportunities in the state. The beneficiaries are identified and soft loan facilities are extended through various financial institutions at the prevailing rate of interest per annum, out of which 5% interest subsidy is paid by the Department. Under this Scheme, 194 Handloom Weavers have been provided Bank loans from different financial institutions to start their own income generating units during the year 2010-11 and interest subsidy of Rs 5.70 lacs has also been paid by the Department. During 2011-12, 144 Handloom Weavers have been provided Bank loans from different financial institutions to start their own income generating units and Rs 6.25 lacs as 5% interest subsidy has been paid to them by the end of 12/2011.

Implementation of the Handlooms (Micro Scredit Plan Scheme)
(Year wise Target and Achievements)

Amount in thousands

Handlooms (Micro Credit)

Year

Target

Achievement

 

A/C

Amount

A/C

Amount

%age

2014-15

3372

3307.45

1824

1457.73

44%

2015-16
2,779
2,79,550
1,595
1,52,726
55%
Year 2016-17

3297

3,34,300

1045

98,889

30%

For more information, please visit: http://www.jkhandloomdepartment.org/

   
     
     
     
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Mr. Parvez Ahmed
Chairman & Chief Executive Officer
Convenor J&K SLBC
The Jammu & Kashmir Bank Ltd.
Corporate Headquarters
M.A Road Srinagar,
Jammu and Kashmir, India
Phone: 0194-2481900,

Fax:0194-2481902

Mr. Vagish Chander Sharma
Executive President,
Personnel & HRDD/ Trainings, Disciplinary Deptt, Management of Board Secretariat,
FSD/ Insurance, JKGB Management, Customer Care/ Compliance/ KYC/ AML, Lead Bank, FID/CSC.
Corporate Headquarters
M.A Road Srinagar,
Jammu and Kashmir, India

Telephone/ Fax: 0194-2502614/ 2502615
Ext. No: 1450, 1451
Cell No: 9479176977
Email: vc.sharma@jkbmail.com  

Mr. Rakesh Gandotra
Vice President,
Lead Bank Department, Financial Inclusion Department / Common Services Centre, Strategy & Business Development Division.
Corporate Headquarters
M.A Road Srinagar,
Jammu and Kashmir, India

Telephone/ Fax: 0194-2502639
Ext. No: 1139
Cell No: 9815922320/ 9810642320
Email: rakesh.gandotra@jkbmail.com  

SLBC Secretariat
J&K State Level Bankers' Committee (SLBC)
Corporate Headquarters
M.A Road Srinagar,
Jammu and Kashmir, India

Telephone/ Fax: 0194-2502639
Aircel: 8803004089, 8803004095
Ext. No/s: 1141 and 1142 
Email: convenorbank@jkbmail.com
 
 
 
 

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