Projects established Employment Generated

Government of Jammu & Kashmir Evaluation Report On Prime Ministers Employment Generation Programme(PMEGP) Kashmir Division (2008-09 to 2011-12) Projects established under PMEGP and Employment Generated in Kashmir division durring the period 2008-09 to 2011-12 0 5000 10000 15000 20000 25000 30000 35000 Srinagar Ganderbal Budgam Anantnag Kulgam Pulwama Shopian Baramulla Bandipora Kupwara Leh Kargil Total 308 1983 293 1841 530 4912 487 3311 470 3217 395 2495 113 712 768 5266 518 3651 642 4241 145 1106 359 1376 5028 Projects established Employment Generated 34111 Office of the Regional Joint Director, Evaluation & Statistics, Kashmir Directorate of Economics and Statistics, J&K Planning and Development Department Directorate of Economics & Statistics, J&K Page 1

Highlights 1) Prime Minister s Employment Generation Programme (PMEGP) is a new credit linked subsidy programme launched by Govt. of India in the year 2008 by merging the erstwhile two schemes viz. Prime Minister s Rozgar Yojna(PMRY) and Rural Employment Generation Programme(REGP). The main aim of PMEGP Scheme is generation of employment opportunities through establishment of micro enterprises in Rural as well as Urban areas of the country through setting up of new self employment ventures/projects /micro enterprises. The instant scheme is in operation in all 12 Districts of the Kashmir Division. The State Level Evaluation Committee (SLEC) desired to conduct the Evaluation of the scheme in Kashmir Division with special reference to district Budgam. 2) During the reference period from 2008-09 to 2011-12, the number of units reported established under the Prime Ministers Employment Generation Programme(PMEGP) in Kashmir division were 5028 with employment generation of 34111 persons. The Project Cost of these units was of the magnitude of Rs.18723.50 lacs. The KVIB had Sponsored maximum number of cases to the extent of 3070 followed by DIC at 1631 and the remaining 327 cases were sponsored by the KVIC. The Project cost per unit works-out to Rs.3.72 lacs. 3) The maximum units were reported established under industrial sector to the extent of 3134 followed by 1712 units under Services Sector. The Business sector claimed established of 150 units and the remaining 32 units were of miscellaneous nature. All the established units were reportedly of individual character and no joint venture was reported established in Kashmir division. 4) In the selected sample block of Budgam, 176 units were reported established during the reference period at the project cost of Rs.881.99 lacs which works out to Rs.5.01 lacs per unit. The loan component of these 176 units was of the magnitude of Rs.529.21 lacs and beneficiary share of the order of Rs.45.09 lacs. The remaining amount of Rs.308.59 lacs was provided as margin money by the Sponsoring Agency. All the established units were reported of Individual nature and the employment generation was of the magnitude of 1421 at an average of 8.07 persons per unit. 5) 70 units reported established in the sample block were put to evaluation audit in the sample block Budgam. The facts established as a result of the physical verification revealed that 49 units(70%) were set-up and functional on the date of Directorate of Economics & Statistics, J&K Page 2

survey. 13 other units(18%) were set-up but closed subsequently due to various reasons. 4 units (6%) were not set-up at all and the remaining 4 units (6%) were not traced in spite of capacity full efforts, as such were treated as fictitious. The Sponsoring Agency of these fictitious cases was persuaded to accompany the Evaluation team for locating the units/beneficiaries but they declined to do so. 6) Out of the 13 non-functional units, only 7 unit holders could respond to enquiry conducted by the Evaluation Teams. All the enquired closed sample unit holders put forth many reasons responsible for closure of their units which included marketing problems, no post establishment support, huge interest charging by banks and non profitability of units. 7) In the 49 functional units, 586 persons were employed comprising of 441 males and 145 females. The employment per functional unit works out to 12 persons. From the functional units the Brick Klins and Embroidery Units were the most employment intensive entities. 8) From the functional unit holders, 53% sample beneficiaries reported that it took them six months to get the loan amount disbursed, whileas 41% revealed that the loan was managed in their favour within three months only. The remaining 6% reported to had been disbursed loan within a period ranging from 1 year to 2 years. 9) Out of 49 sample functional unit holders, 10% reported that margin money was released immediately in their favour. 18% revealed that it was released within 3 months and another contingent of 18% reported to had received it within 6 months. But majority of the unit holders to the extent of 54% had received it within one years time. 10) Among the 46 non-beneficiaries enquired in the field with regard to PMEGP, 70% cited lengthy process as the main cause for not applying for the scheme despite being un-employed. 17% were of the view that they do not like to be burdened under debt. 9% revealed that they were not possessing any technical knowhow to establish the units and 2% lacked entrepreneurship qualities as reported by them. 11) 98% enquired non-beneficiaries were of the view that Govt must explore possibility of providing interest free loans to the un-employed youth for setting up of their venture under PMEGP. 12) While taking all the established facts in view with regard to the PMEGP implementation, it is suggested that the scheme must be supervised over Directorate of Economics & Statistics, J&K Page 3

extensively to ensure sponsorship of genuine beneficiaries only. The trend to apply under the scheme for obtaining margin money alone ultimately proves fatal for the scheme and the beneficiaries as well. The selection of beneficiaries under the scheme must be done in the right perspective and for that matter the sincerity of entrepreneurs and implementing Agencies is required to prevail. The Supervision and Monitoring of the scheme implementation at all possible levels and at every stage would arrest the wrong doing to a great extent. Directorate of Economics & Statistics, J&K Page 4

Contents Chapter No Description of Chapter. Page Nos I Introduction 1 4 II Divisional Level Profile 5 25 III Field Findings 26-39 IV Views of Knowledgeable Persons 40-41 V Summary of Main Findings 42 44 VI Bottlenecks & Suggestions 45-46 Directorate of Economics & Statistics, J&K Page 5

Introduction: Chapter - I Prime Minister s Employment Generation Programme (PMEGP) is a new credit linked subsidy programme launched by Govt. of India in the year 2008 by merging the erstwhile two schemes viz. Prime Minister s Rozgar Yojna(PMRY) and Rural Employment Generation Programme(REGP). It aims at generation of employment opportunities through establishment of micro enterprises in Rural as well as Urban areas. This is a centrally sponsored scheme being administered by Ministry of Micro, Small and Medium Enterprises i.e. MOMSME. The scheme is in operation through KVIC, a statutory organization under administrative control of the Ministry of MSME as the single nodal agency at the National level. At the state level the scheme is under implementation through State KVIC Directorates, State KVIB,s, DIC,s and banks. The Govt. subsidy under the scheme is routed by KVIC through the identified banks for eventual distribution to the beneficiaries/ entrepreneurs in their bank accounts. The main objective of the scheme is 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. To bring together widely dispersed traditional artisans and un-employed youth and give them self employment opportunities to the extent possible at their place and to increase the wage earning capacity of artisans. The maximum cost of project under manufacturing sector is Rs.25.00 lakhs and service sector Rs.10.00 lakhs. The quantum of beneficiary contribution is 10% in case of general category with subsidy component of 15% in urban and 25% in rural. Likewise 5% in case of special category of the total project cost with subsidy component of 25% in urban and 35% in rural. The balance amount of the project cost is to be provided by banks as term loan. Minimum qualification prescribed is 8 th pass and selection of beneficiaries is done through interview process by the District Task Force Committee headed by the District Magistrate/Deputy Commissioner. The programme is now under implementation in all the districts of J&K state. In the 5 th meeting of State Level Evaluation Committee (SLEC) held on 25-11-2011 under the chairmanship of Principal Secretary to Govt. Planning and Development Department in his office chambers, it was decided to evaluate Directorate of Economics & Statistics, J&K Page 6

the PMEGP scheme in Kashmir Region through Regional Joint Director, E&S Kashmir. It was further stipulated that sample size shall be kept at 30 to 40% for making Evaluation Study report result/outcome oriented as per the aspirations of the SLEC. Objectives of the Evaluation study: i. To assess physical/financial progress under PMEGP ii. To assess physical status of units/projects established under the scheme. iii. To assess impact of scheme over the economic status of sample beneficiaries benefitted under the programme and generation of employment opportunities. iv. To assess the problems/inconvenience confronted by the sample beneficiaries, bottlenecks/difficulties faced by implementing department if any, and suggestion of remedial measures for better implementation of the programme in future. v. To see whether the norms laid down for the programme were adhered to, particularly with regard to selection of beneficiaries. vi. To see whether the subsidy element provided under the scheme was disbursed to the beneficiaries in time. Coverage: Out of eight CD blocks of District Budgam, Evaluation Study was conducted in CD block Budgam having maximum coverage under the programme. Units established in urban areas of Block Budgam were also included during the course of field investigations. Source of the Data: The secondary data was collected from KVIC, KVIB and DIC as per prescribed formats. Primary data as per the requirements of evaluation audit was collected in the field in respect of sample projects/ units as per devised formats from concerned unit holders. Sample size and selection: The evaluation study was conducted in sample block Budgam with 40% sample size out of total number of projects/units (sanctioned/ disbursed) within the reference period 2008-12. For making Evaluation study result/ outcome oriented, the selection of units was done as per the below mentioned Directorate of Economics & Statistics, J&K Page 7

weightage procedure to ensure selection of more units having completed gestation period:- Year Weightage (%) Ratio 2008-09 40 4 2009-10 30 3 2010-11 20 2 2011-12 10 1 The sample size which finally emerged was in the ratio of 4:3:2:1 in respect of four reference years mentioned above. The ultimate selection of sample was done through simple random sampling covering thereby sample units of each category of beneficiaries across urban/ rural divide. Reference Period: The official data was collected for the period 2008-12 in respect of all the districts of Kashmir division to portray the divisional level implementation profile of the Programme. However, micro level details were obtained in respect of sample district Budgam to facilitate field operations. The primary data was, however, collected in respect of sample block Budgam with reference period 2008-12. Instruments of Investigation: A set of four schedules/formats was devised for the purpose of study. Format-I (official data) For all concerned implementing agencies Format-II (official data) -do- Format-III (official data) -do- Schedule-IV (for sample projects/ units) Schedule-V (For unemployed non beneficiary) Field Work and supervision: The field work and scrutiny of schedules was carried out by the staff of District Statistics & Evaluation Officer(DSEO) under the close supervision of DSEO Budgam and senior officers of RJDK/DES. Directorate of Economics & Statistics, J&K Page 8

Tabulation and Report writing:- Tabulation of official/ field data was done by the staff of DSEO under the technical guidance of Regional Joint Director Kashmir and report writing was completed by the office of Regional Joint Director Kashmir. Analytical Tools: Simple averages and percentages were used as analytical tools in the Evaluation report. In order to enhance the presentation of the report and to make phenomenon easy for comprehension, graphs and diagrams were also made use of at appropriate places. Directorate of Economics & Statistics, J&K Page 9

Chapter-II Division level profile: Unemployment is one of the major problems confronted by all nations irrespective of their economic conditions. At country level it has remained a big challenge for all governments over the years particularly for educated youth it has acquired alarming dimensions. With the regular annual incremental increase thousands of unemployed educated youth enter into the growing list of the unemployed, largely due to the economic distress, mismatch of resources and above all capitalistic policies squeezing space for growing employment needs of growing population. The task of overcoming the unemployment problem could only be resolved to a considerable extent by providing jobs to the unemployed educated youth outside the Government Departments and by promoting the self-employment ventures by providing required finance, facilities and infrastructure. Like all other states the state of Jammu and Kashmir has a high rate of unemployment, particularly among the educated youth. Almost 6 lakh people are unemployed in the State. The problem has further accentuated due to the fact that avenues for private employment are very restricted. This causes a strain on the resources of the State and hampers developmental activities. With a view to provide a lasting solution and overcoming the problem of educated unemployed youth various schemes were devised and launched by both the governments at the centre and the State. The instant scheme is in operation in all 12 Districts of the Kashmir Division. In order to assess its impact, it was desired by State Level Evaluation Committee (SLEC) to conduct the Evaluation of the scheme in district Budgam. However, prior to focus the effect of PMEGP in district Budgam, it is worth to throw light on its impact in the whole Kashmir Region, which is consisting of twelve (12) districts. The District wise financial status of the units/projects sponsored under the Scheme during the period from 2008-09 to 2011-12 is reflected in the following table:- Directorate of Economics & Statistics, J&K Page 10

Table No -1 District wise Financial Status of Units/Projects Disbursed during the period 2008-09 to 2011-12 S/ Total No: Disbursed Units/Projects Total No. Expected Employment No District Sector No. Project cost Beneficiaries Generation 1. Srinagar DIC 232 961.21 232 1253 KVIB 51 236.54 51 535 KVIC 25 244.68 25 195 Dist: Total 308 1442.43 308 1983 2. Ganderbal DIC 140 462.25 140 665 KVIB 122 306.52 122 990 KVIC 31 121.35 31 186 Dist: Total 293 890.12 293 1841 3. Budgam DIC 50 252.02 50 270 KVIB 459 1882.40 459 4507 KVIC 21 174.23 21 135 Dist: Total 530 2308.65 530 4912 4. Anantnag DIC 256 1485.56 256 1449 KVIB 174 509.40 174 1492 KVIC 57 398.14 57 370 Dist: Total 487 2393.1 487 3311 5. Kulgam DIC 87 595.78 87 690 KVIB 304 573.09 304 2040 KVIC 79 330.34 79 487 Dist: Total 470 1499.21 470 3217 6. Pulwama DIC 126 585.50 126 720 KVIB 230 1138.98 230 1512 KVIC 39 268.65 39 263 Dist: Total 395 1993.13 395 2495 7. Shopian DIC 25 66.76 25 132 KVIB 82 198 82 542 KVIC 06 31.00 06 38 Dist: Total 113 295.76 113 712 8. Baramulla DIC 206 687.43 206 910 KVIB 539 1881.44 539 4195 KVIC 23 185.32 23 161 Dist: Total 768 2754.19 768 5266 9. Bandipora DIC 151 548.87 151 485 KVIB 338 939.43 338 3021 KVIC 29 90.97 29 145 Dist: Total 518 1579.27 518 3651 10. Kupwara DIC 139 369.41 139 677 KVIB 490 1447.43 490 3486 KVIC 13 41.00 13 78 Dist: Total 642 1857.84 642 4241 Directorate of Economics & Statistics, J&K Page 11

11. Leh DIC 12 82.73 12 27 KVIB 139 387.66 129 1055 KVIC 04 17.06 04 24 Dist: Total 155 487.45 145 1106 12. Kargil DIC 207 849.55 207 584 KVIB 152 372.80 152 792 KVIC 0 0 0 0 Total Kashmir Division Dist: Total 359 1222.35 359 1376 DIC 1631 6947.067 1631 7862 KVIB 3070 9873.81 3070 24167 KVIC 327 1902.74 327 2082 G. Total 5028 18723.497 5028 34111 While going through the figures of the above table, it indicates that during the period from 2008-09 to 2011-12, a total number of 5028 units/projects were disbursed with the total project cost of Rs.18723.497 lacs. Out of 5028 cases, 1631(32.44%) case were disbursed through DIC, 3070 (61.05%) cases through KVIB and 327(6.50%) cases through KVIC. The maximum numbers of units to the magnitude of 768 with Rs.2754.19 lacs project cost were disbursed in District Baramulla and the minimum number in District Shopian. It is being witnessed that the total number of beneficiaries covered under the programme during the period from 2008-09 to 2011-12 was 5028 with the number of expected employment generation of 34111 persons. Not a single unit under Joint Venture was sponsored by any of the sponsoring agencies which is a peculiar feature of the Prime Ministers Employment Generation Programme(PMEGP) implementation in Kashmir Division. The following table provides information on the physical aspects of the porgramme across the districts of Kashmir division separately for all the three implementing agencies:- Directorate of Economics & Statistics, J&K Page 12

S/ No Table No - 2 District wise Physical Targets & Achievements during the Period from 2008-09 to 2011-12 Sponsorship Sanctioned Cases Disbursed Cases Total Unemployed Youth Benefitted Left over Sanctioned Cases spill over to next year District Sector Tar-get Ach: Total Spill New Total Spill New over over 1 2 3 4 5 6 7 8 9 10 11 12 13 1. Srinagar DIC 102 566 261 42 219 232 37 195 232 0 KVIB 99 217 51 0 51 51 0 51 51 0 KVIC 57 83 25 0 25 25 0 25 25 0 Dist: Total 258 866 337 42 295 308 37 271 308 0 2. Ganderbal DIC 64 184 143 15 128 140 15 125 140 0 KVIB 57 341 122 0 122 122 0 122 122 0 KVIC 38 66 31 0 31 31 0 31 31 0 Dist: Total 159 591 296 15 281 293 15 278 293 0 3. Budgam DIC 56 115 54 04 50 50 04 46 50 4 KVIB 459 528 509 33 476 459 33 426 459 50 KVIC 47 21 21 0 21 21 0 21 21 0 Dist: Total 562 664 584 37 547 530 37 493 530 54 4. Anantnag DIC 83 669 353 34 319 256 138 118 256 86 KVIB 78 174 174 0 174 174 0 174 174 0 KVIC 48 125 57 0 57 57 0 57 57 0 Dist: Total 209 968 584 34 550 487 138 349 487 86 5. Kulgam DIC 76 261 124 0 124 87 36 51 87 38 KVIB 80 518 304 0 304 304 0 304 304 0 KVIC 45 129 79 0 79 79-79 79 0 Dist: Total 201 908 507 0 507 470 36 434 470 38 6. Pulwama DIC 80 275 223 59 164 126 0 126 126 7 KVIB 107 378 230 0 230 230 0 230 230 0 KVIC 30 81 39 0 39 39 0 39 39 0 Dist: Total 217 734 492 59 433 395 0 395 395 7 7. Shopian DIC 40 65 39 12 27 25 12 13 25 26 KVIB 59 390 82 0 82 82 0 82 82 0 KVIC 23 10 06 0 06 06 0 06 06 0 Dist: Total 122 465 127 12 115 113 12 101 113 26 8. Baramulla DIC 100 579 219 13 206 206 22 184 206 14 KVIB 102 818 539 0 539 539 0 539 539 0 KVIC 56 86 23 0 23 23 0 23 23 0 Dist: Total 258 1483 781 13 768 768 22 746 768 14 9. Bandip ora DIC 61 311 159 0 159 151 0 151 151 0 KVIB 58 493 338 0 338 338 0 338 338 0 KVIC 37 65 29 0 29 29 0 29 29 0 Dist: Total 156 869 526 0 526 518 0 518 518 0 Directorate of Economics & Statistics, J&K Page 13

1 0. 1 1. 1 2. Kupwar a DIC 87 343 190 0 190 139 0 139 139 0 KVIB 90 768 490 0 490 490 0 490 490 0 KVIC 48 62 13 0 13 13 0 13 13 0 Dist: Total 225 1173 693 0 693 642 0 642 642 0 Leh DIC 16 12 12 0 12 12 0 12 12 0 KVIB 22 210 129 0 129 129 0 129 129 0 KVIC 08 14 04 0 04 04 0 04 04 0 Dist: Total 46 236 145 0 145 145 0 145 145 0 Kargil DIC 16 250 207 0 207 207 0 207 207 0 KVIB 20 315 152 0 152 152 0 152 152 0 KVIC 08 0 0 0 0 0 0 0 0 0 Dist: Total 44 565 359 0 359 359 0 359 359 0 Total Kmr Division DIC 781 3630 1984 179 1805 1631 264 1367 1631 175 KVIB 1231 5150 3120 33 3087 3070 33 3037 3070 50 KVIC 445 742 327 0 327 327 0 327 327 0 G. Total 2457 9522 5431 212 5219 5028 297 4731 5028 225 The information provided by the Implementing Agencies revealed that the targets set under the Scheme for the reference period were only to the extent of 2457 units. The Sponsorship was made of the order of 9522 which was understandbly so to enable the sanctioning and disbursing authorities to exercise their choice for the viability of units and safety of their finances. From the 9522 sponsored cases 5431 cases were sanctioned by the financial institutions and finally 5028 cases were disbursed benefitting equal number of unemployed youth. The figures provided by the Implementing Agencies brings this fact to the fore that the fixation of targets was unrealistic and had no relevance to the achievement of ultimate targets. The fixation of targets should have been done keeping in view the resources provided under PMEGP, Bank Commitments, implementation mechanism and the quantum of unemployed youth expected to go for establishment of units etc. But the exercise does not seem to have been done. The fixation of targets seems to have been done with no regard to the related factors. The reason for non-disbursement of benefits to 403 left-over sanctioned cases was obviously the fact that targets were already achieved in excess. Directorate of Economics & Statistics, J&K Page 14

29 3 866 337 308 591 296 293 54 97 37 14 13 8 664 584 530 968 584 487 734 492 395 97 51 0 0 465 127 113 236 145 145 869 526 518 565 359 359 908 507 470 781 768 1483 1173 693 642 403 Number of Cases 5431 5028 9522 10000 9000 8000 Physical Targets & Achievements under PMEGP in Kashmir division during the period from 2008-09 to 2011-12 Cases Sponsorsed Cases Sanctioned 7000 6000 5000 4000 3000 2000 1000 0 Srinagar Ganderbal Budgam Anantnag Kulgam Pulwama Shopian Baramulla Bandipora Kupwara Leh Kargil Total Kmr Districts Div Directorate of Economics & Statistics, J&K Page 15

Under Prime Ministers Employment Generation Programme(PMEGP), units could be sponsored and sanctioned under Business, Industry, Service and other Miscellaneous sectors which have the potential to provide employment to the educated youth on sustainable basis. During the period under review, the sponsoring agencies were able to get 3134 cases disbursed from Banks under Industry Sector, 1712 under Services Sector, 150 under Business Sectors and 32 cases under Other/Misc Sector in Kashmir division. The maximum number of cases to the extent of 3070 were sponsored by KVIB followed by 1630 by DIC and the remaining 327 cases by the KVIC. The expected employment generation was estimated to be of the magnitude of 34111 persons. The Position is reflected in the following table on districtwise basis:- Table No- 3 District wise Breakup of Units/Projects Disbursed during 2008-09 to 2011-12 S. N o District Sector Business (No: of) Service (No: of) Industry (No: of) Others (No: of) Total Of which Employment Pro- Individual Venture ated Joint Gener- Units Benf: Units Benf: Units Benf: Units Benf: jects Benf: 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 1. Srinagar DIC 0 0 40 40 192 192 0 0 232 232 232 0 1253 KVIB 0 0 5 5 46 46 0 0 51 51 51 0 535 KVIC 0 0 11 11 14 14 0 0 25 25 25 0 195 Dist: Total 0 0 56 56 252 252 0 0 308 308 308 0 1983 2. Ganderbal DIC 1 1 43 43 96 96 0 0 140 140 140 0 665 KVIB 0 0 76 76 46 46 0 0 122 122 122 0 990 KVIC 0 0 23 23 08 08 0 0 31 31 31 0 186 Dist: Total 1 1 142 142 150 150 0 0 293 293 293 0 1841 3. Budgam DIC 0 0 2 2 52 52 0 0 50 50 50 0 270 KVIB 0 0 39 38 416 416 0 0 459 459 459 0 4507 KVIC 0 0 7 7 14 14 0 0 21 21 21 0 135 Dist: Total 0 0 48 48 482 482 0 0 530 530 530 0 4912 4. Anantnag DIC 7 7 159 159 68 68 22 22 256 256 256 0 1449 KVIB 0 0 27 27 147 147 0 0 174 174 174 0 1492 KVIC 0 0 38 38 19 19 0 0 57 57 57 0 370 Dist: Total 7 7 224 224 234 234 22 22 487 487 487 0 3311 5. Kulgam DIC 0 0 29 29 58 58 0 0 87 87 87 0 690 KVIB 0 0 43 43 261 261 0 0 304 304 304 0 2040 KVIC 0 0 54 54 25 25 0 0 79 79 79 0 487 Dist: Total 0 0 126 126 344 344 0 0 470 470 470 0 3217 6. Pulwama DIC 22 22 45 45 59 59 0 0 126 126 126 0 720 KVIB 0 0 58 58 172 172 0 0 230 230 230 0 1512 KVIC 0 0 17 17 22 22 0 0 39 39 39 0 263 Dist: Total 22 22 120 120 253 253 0 0 395 395 395 0 2495 Directorate of Economics & Statistics, J&K Page 16

7. Shopian DIC 0 0 11 11 14 14 0 0 25 25 25 0 132 KVIB 0 0 18 18 64 64 0 0 82 82 82 0 542 KVIC 0 0 03 03 03 03 0 0 06 06 06 0 38 Dist: Total 0 0 32 32 81 81 0 0 113 113 113 0 712 8. Baramulla DIC 55 55 64 64 87 87 0 0 206 206 206 0 910 KVIB 0 0 208 208 331 331 0 0 539 539 539 0 4195 KVIC 0 0 17 17 06 06 0 0 23 23 23 0 161 Dist: Total 55 55 289 289 424 424 0 0 768 768 768 0 5266 9. Bandipora DIC 0 0 129 129 12 12 10 10 151 151 151 0 485 KVIB 0 0 29 29 309 309 0 0 338 338 338 0 3021 KVIC 0 0 26 26 03 03 0 0 29 29 29 0 145 1 0. 1 1. 1 2. Dist: Total 0 0 184 184 324 324 10 10 518 518 518 0 3651 Kupwara DIC 32 32 41 41 66 66 00 00 139 139 139 0 677 KVIB 0 0 235 235 255 255 0 0 490 490 490 0 3486 KVIC 0 0 12 12 01 01 0 0 13 13 13 0 78 Dist: Total 32 32 288 288 322 322 0 0 642 642 642 0 4241 Leh DIC 1 1 8 8 3 3 0 0 12 12 12 0 27 KVIB 0 0 67 67 62 62 0 0 129 129 129 0 1055 KVIC 0 0 03 03 01 01 0 0 4 4 4 0 24 Dist: Total 1 1 78 78 66 66 0 0 145 145 145 0 1106 Kargil DIC 32 32 80 80 95 95 0 0 207 207 207 0 584 KVIB 0 0 45 45 107 107 0 0 152 152 152 0 792 KVIC 0 0 0 0 0 0 0 0 0 0 0 0 0 Dist: Total 32 32 125 125 202 202 0 0 359 359 359 0 1376 Regional Total DIC 150 150 651 651 802 802 32 32 1631 1631 1631 0 7862 KVIB 0 0 850 850 2216 2216 0 0 3070 3070 3070 0 24167 KVIC 0 0 211 211 116 116 0 0 327 327 327 0 2082 G. Total 150 150 1712 1712 3134 3134 32 32 5028 5028 5028 0 34111 Directorate of Economics & Statistics, J&K Page 17

Projects established under PMEGP with Employment Generation peotential in Kashmir division durring the period 2008-09 to 2011-12 0 5000 10000 15000 20000 25000 30000 35000 Srinagar Ganderbal Budgam Anantnag Kulgam Pulwama Shopian Baramulla Bandipora Kupwara Leh Kargil Total Kmr 308 1983 293 1841 530 4912 487 3311 470 3217 395 2495 113 712 768 5266 518 3651 642 4241 145 1106 359 1376 5028 Projects established 34111 Financial Progress in Budgam: Under Prime Minister s Employment Generation Programme definite guidelines are laid down regarding the quantum and nature of financial assistance. As per the guidelines the maximum cost of the project/unit admissible under manufacturing sector is Rs.25 lakhs and that of the project/unit admissible under business/service sector is Rs.10 lakhs. Similarly the beneficiary, contribution is 10% of the project cost in case of General Category and that of special category it is only 5% of the project cost. As far as rate of subsidy is concerned in case of general category it is 15% of the project cost for urban beneficiary s & 25% for rural beneficiary. Similarly for special category the rate of subsidy is 25% of the project cost for urban population & 35% for rural beneficiary. As per the aspirations of the SLEC, the Study was to be confined to a single district which was eventually selected to be district Budgam. Before analyzing the field findings, it is necessary to have a full view of the achievements in the sample district under the scheme. The following table provides information on units disbursed by the concerned implementing agencies with the quantum of Project cost:- Directorate of Economics & Statistics, J&K Page 18

S. No. Year Table no. 4 Project cost of the units benefitted during the reference period 2008-09 to 2011-12 Number of disbursed cases Project Cost Total DIC KVIB KVIC DIC KVIB KVIC 1 2008-09 -- 33 2 35 -- 120.02 23.34 143.36 2 2009-10 10 69 6 85 44.92 280.41 45.92 371.25 3 2010-11 23 116 6 145 90.56 386.87 30.37 507.80 4 2011-12 17 241 7 265 116.54 1095.10 74.60 1286.24 Total 459 21 530 252.02 1882.40 174.23 2308.65 (Rs. in lakhs) Total The above table reveals that the amount of project cost calculated for 530 disbursed cases was amounting to Rs.2308.65 /- lakhs during the period under reference, out of which Rs.1882.49/- lakhs were calculated by KVIB in respect of 459 disbursed cases, Rs.252.02/- lakhs by DIC for 50 cases and Rs.174.23/- lakhs by KVIC for 21 cases. The Banks are supposed to sanction 90% of the project cost in case of General Category of beneficiary and 95% in case of special category of the beneficiary and disburse full amount suitably for setting up of the project. Banks can finance capital expenditure in the form of Term loan and working capital in the form of cash credit. Projects can also be financed by the Bank in the form of composite loan consisting of capital expenditure and working capital. The amount of Bank credit will be ranging between 60-75% of the total project cost after deducting 15-35% of margin money (Subsidy) and 10% owner s contribution from the beneficiaries belonging to the general category and 5% from beneficiaries belonging to special categories. The breakup of project cost as approved by the sponsoring agencies in respect of the disbursed cases is given hereunder:- Directorate of Economics & Statistics, J&K Page 19

Table No.5 FINANCIAL BREAKUP OF PROJECT COST OF RECOMMENDED LOAN AMOUNT DURING REFERENCE PERIOD 2008-09 TO 2011-12 (Unit - Rs. in lacs) S. N o. Year No. of cases disburse d Break up of project cost Loan Component Margin Money Beneficiary Share DIC KVIB KVIC Total DIC KVIB KVIC Total DIC KVIB KVIC Total 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 1 2008-09 35 -- 72.01 14.00 86.01 -- 42.01 8.17 50.18 -- 6.00 1.17 7.17 2 2009-10 85 26.95 168.30 27.56 222.81 15.73 98.18 16.06 129.97 2.24 14.02 2.30 18.56 3 2010-11 145 54.33 232.12 18.22 304.67 31.70 135.41 10.63 177.74 4.53 19.34 1.52 25.39 4 2011-12 265 69.92 657.03 49.77 776.75 40.79 383.20 21.10 445.09 5.83 54.75 3.73 64.31 Total 530 151.20 1129.49 109.55 1390.24 88.22 658.80 55.96 802.98 12.60 94.11 8.72 115.43 Directorate of Economics & Statistics, J&K Page 20

As indicated in the previous table that an amount of Rs.2308.65/- lacs were calculated as project cost for establishing 530 units by different agencies during the period under report. In the whole district the above table reflects the breakup of the recommended project cost. The project cost, has three components namely Loan Component, Margin Money and Beneficiary Share. It can be seen from the above table that out of the recommended project cost of Rs.2308.65, the loan component was worked out to be Rs.1390.24/-(60.21%) lakhs, Margin Money was worked out to Rs.802.98/- (34.79%) lakhs and beneficiary share was calculated as Rs.115.43/- (5%) lakhs. The expenditure made on account of Margin Money against the availability in respect of 530 disbursed cases is reproduced hereunder in the following table:- Table No. 6 Year wise financial position of margin money in district Budgam during the reference period 2008-09 to 2011-12 (Unit - Rs. in lacs) S. No. Year No. of disbursed cases Availability Expenditure on A/c of Margin Money DIC KVIB KVIC Total DIC KVIB KVIC Total %age 1 2 3 4 5 6 7 8 9 10 11 12 1 2008-09 35 -- 42.01 8.17 50.18 -- 42.01 8.17 50.18 100% 2 3 4 2009-10 85 15.73 98.18 16.06 129.97 15.73 98.18 16.06 129.97 100% 2010-11 145 31.70 135.41 10.63 177.74 31.70 135.41 10.63 177.74 100% 2011-12 265 40.79 383.20 21.10 445.09 40.79 383.20 21.10 445.09 100% Total 530 88.22 658.80 55.96 802.98 88.22 658.80 55.96 802.98 100% %age Total 11% 82% 7% 100% 11% 82% 7% 100% The above table reveals that Rs.802.98/- lakhs were made available to meet the expenditure on account of margin money to be adjusted in respect of 530 beneficiaries. The whole amount was adjusted during the period under Directorate of Economics & Statistics, J&K Page 21

reference thereby registering 100% expenditure. The funds made available on account of margin money in respect of DIC were Rs.88.22/-(11%) lacs, Rs.658.80/- (82%) to KVIB and Rs.55.96/- (7%) to KVIC during the reference period. Table No. 7 Year-wise position of targets and achievements in district Budgam S.No. Year Target Sponsorship DIC KVIB KVIC Total DIC KVIB KVIC Total %age to target 1 2008-09 -- 33 20 53 -- 50 2 52 98% 2 2009-10 12 69 7 88 22 75 6 103 117% 3 2010-11 22 116 10 148 38 125 6 169 114% 4 2011-12 22 241 10 273 55 278 7 340 125% Total 56 459 47 562 115 528 21 664 118% The above table indicates the overall picture of the targets set for establishment of units during the period under report and its sponsorship profile in respect of district Budgam. The figures reflected that during the reference period 664 cases were sponsored by the implementing agencies viz DIC, KVIB, KVIC to the banks against the target of 562 cases showing over sponsoring of 18%. It is evident from the above table that sponsoring the cases to the banks have shown increase which is a healthy trend. Although the sponsoring agencies viz KVIB & KVIC have sponsored the cases throughout the reference period but DIC has not sponsored any case during the year 2008-09 for the reasons better known to them as no concrete reasons were given in this regard. The cases sponsored during the year 2008-09 by sponsoring agencies were 52 against the target of 53. Thereafter the sponsoring of cases had throughout been on the higher side. During 2009-10, 2010-11 and 2011-12 the sponsoring of cases was 117%, 114% and 125% respectively as against set targets. The sponsoring in addition of targets was evidently to enable financial institutions to exercise their choice in sanctioning and disbursing of cases from their standards for safety and recovery of the loan amounts. After proper scrutiny of the applications, ascertaining the viability and feasibility of the ventures opted by the target beneficiaries, the cases are Directorate of Economics & Statistics, J&K Page 22

sponsored by the implementing agencies to the banks for sanction of the loans in favour of the beneficiaries. The following table depicts the details of cases sanctioned during the reference period:- Table No. 8 Year-wise details of sanctioned cases during reference period 2008-09 to 2011-12 S.No. Year Target Sponsorship Sanctioned DIC KVIB KVIC Total DIC KVIB KVIC Total DIC KVIB KVIC otal 1 2008-09 -- 33 20 53 -- 50 2 52 -- 50 2 52 100% 2 2009-10 12 69 7 88 22 75 6 103 10 77 6 93 90% 3 2010-11 22 116 10 148 38 125 6 169 23 124 6 153 93% 4 2011-12 22 241 10 273 55 278 7 340 21 258 7 286 84% ge to target Total 56 459 47 562 115 528 21 664 54 509 21 584 89% The year wise details of the cases sanctioned against the sponsored cases is depicted in the table given above. Perusal of the above table reveals that against the total number of 664 sponsored cases, 584 cases were sanctioned with an achievement of 88%. Further, it transpires from the above table that among the sanctioned cases the maximum number of cases viz 476 (87%) were KVIB sponsored, and least number of cases were viz 21 (4%) were KVIC sponsored cases. The overall sanctioning had been of the magnitude of 584 cases against the target of 664 thus registering an achievement of 88%. RsAlthough, the sponsoring of the cases to the banks was over by 18% than what was actually targeted for, the ultimate achievement of the targets can be construed only in terms of disbursed cases, followed by setting up of the units. The information regarding the disbursement of cases against the sanctioned ones is reflected in the table reproduced hereunder:- Directorate of Economics & Statistics, J&K Page 23

Table No. 9 Year-wise details of disbursement of cases during reference period 2008-09 to 2010-11 in district Budgam S. No. Year Sanctioned cases Disbursed Cases DIC KVIB KVIC Total DIC KVIB KVIC Total %age Ach. 1 2 3 4 5 6 7 8 9 10 11 2 2008-09 -- 50 2 52 -- 33 2 35 67% 3 2009-10 10 77 6 93 10 69 6 85 91% 4 2010-11 23 124 6 157 23 116 6 145 92% 5 2011-12 21 258 7 286 17 241 7 265 93% Total 54 509 21 584 50 459 21 530 91% Directorate of Economics & Statistics, J&K Page 24

The above table reflects the position of disbursed cases during the period under reference. Against 584 sanctioned cases, 530 cases were disbursed registering an overall achievement of 91%. It can be seen from the above table that achievement in respect of disbursement of cases witnessed increasing trend year after year which is a healthy sign. This piece of information reflects that financial institutions are taking active part in empowering the local youth by way of establishing their own ventures. During the year 2008-09, the achievement in respect of disbursement of cases remained 67%, with relation to sanctioned cases which rose upto 93% during the year 2011-12. Furthermore, among the 530 disbursed cases 50 (9%) were DIC sponsored, 459 (87%) were KVIB sponsored and 21 (4%) were KVIC sponsored cases. Prime Minister s Employment Guarantee Programme (PMEGP) aims at generation of employment opportunities at local level by way of setting up of new self employment opportunities, ventures/projects/micro enterprises. The details regarding the unemployed youth benefitted under the instant programme during the reference period 2008-09 is reproduced in the table hereunder:- Table No. 10 Agency wise details of unemployed youth benefitted in district Budgam during the reference period 2008-09 to 2011-12 S.No. Year Total Unemployed Youth Benefitted DIC KVIB KVIC Total 1 2008-09 -- 33 2 35 2 2009-10 10 69 6 85 3 2010-11 23 116 6 145 4 2011-12 17 241 7 265 Total 50 459 21 530 The perusal of the above table reflects that 530 unemployed youth were benefitted under the scheme PMEGP during the reference period 2008-09 to 2011-12, thereby reflecting that all the sanctioned cases were of individual nature and as such no case under joint venture was sanctioned. In schemes like PMEGP there always remains a gap between the sanctions and disbursements, usually arising due to non completion of the Directorate of Economics & Statistics, J&K Page 25

formalities within the stipulated time period or party not coming forward as reported by the financial institutions etc., These left over sanctioned cases are treated as spillover and carried to next year. The year wise details of the leftover sanctioned cases to next year are reflected in the table given below:- Table No. 11 Year-wise / agency wise details of the left over cases to next year S.no. Year Left over sanctioned cases to next year DIC KVIB KVIC Total 1 2008-09 -- 17 -- 17 2 2009-10 -- 25 -- 25 3 2010-11 -- 37 -- 37 4 2011-12 4 50 -- 54 The data in the above table reveals that out of 584 sanctioned cases, 54 (9%) cases were in aggregate left to next financial year during the reference period 2008-09 to 2011-12. As can be seen from the above table that out of 54 left over cases, 50 (93%) were from KVIB & 4 (7%) were from DIC. No case was left over to next financial year in respect of the cases sponsored by KVIC. Prime Minister s Employment Guarantee Programme (PMEGP) is applicable to all new economically viable micro enterprises, including village industrial projects. These economic activities have been properly categorized into Business, Industry and Service. The activity wise number of units sanctioned during the period under reference is given under:- Directorate of Economics & Statistics, J&K Page 26

Table No. 12 Category wise number of cases distributed under PMEGP alongwith number of beneficiaries during 2008-09 to 2011-12 in district Budgam S.No Year Category wise distribution of cases Business Service Industry Total DIC KVIB KVIC Tota l DIC KVI B KVIC Total DIC KVIB KVIC Total 1 2008-09 -(-) -(-) -(-) -(-) -(-) 2(2 ) -(-) 2(2) -(-) 31(3 1) 2(2) 33(33) 35(35) 2 2009-10 -(-) -(-) -(-) -(-) 1(1) 4(4 ) 2(2) 7(7) 9(9) 65(6 5) 4(4) 78(78) 85(85) 3 2010-11 -(-) -(-) -(-) -(-) -(-) 8(8 ) 2(2) 10(10) 23(23) 108( 108) 4(4) 135(13 5) 145(145) 4 2011-12 -(-) -(-) -(-) -(-) 1(1) 25( 25) 3(3) 29(29) 20(20) 21(2 1) 4(4) 236(23 6) 265(265) Total -(-) -(-) -(-) -(-) 2(2) 39( 39) 7(7) 48(48) 52(52) 416( 416) 14(1 4) 482(48 2) 530(530) The perusal of the above table reveals that out of 530 disbursed cases no case was disbursed under business category. 48(9%) cases were disbursed under services sector and rest of the cases viz. 482 (91%) were disbursed under industry sector benefitting same number of beneficiaries. This piece of information highlights that industries sector has attracted more entrepreneurs and generated more employment. Any individual above 18 years of age and institutions like Co-operative Societies, Charitable Trusts, Self Help Groups (SHGs) can avail the benefits under this scheme. As such the units can be established in individual capacity or as a joint venture. The details of the cases disbursed under individual capacity and joint venture is given in the table hereunder- Directorate of Economics & Statistics, J&K Page 27

Table No. 13 Category wise units established during 2008-09 to 2011-12 in district Budgam S.No. Year Individual Joint Venture DIC KVIB KVIC Total DIC KVIB KVIC Total Total 1 2008-09 -- 33 2 35 -- -- -- -- 35 2 2009-10 10 69 6 85 -- -- -- -- 85 3 2010-11 23 116 6 145 -- -- -- -- 145 4 2011-12 17 241 7 265 -- -- -- -- 265 Total 50 459 21 530 -- -- -- -- 530 The above table reflects that all the 530 disbursed cases were of individual nature and no case was disbursed under joint venture, as already stated in the foregone paragraphs. It can further be seen from the above table that a gradual increasing trend was observed during the reference period. This reflects both popularity of the scheme and enthusiastic approach of the stakeholders in the implementation of the scheme. In order to cope up with mounting problem of unemployment particularly of the educated youth and to promote self employment opportunities, PMEGP has been launched by Government of India to tackle the problem. This scheme has multi pronged approach by way of stimulating the growth and development and also generate employment opportunities. The table reflecting the employment in overall district Budgam after establishing of 530 units is reproduced hereunder- Table No. 14 Year wise employment generation due to PMEGP in district Budgam during 2008-09 to 2011-12 S.No. Year Total No. of cases Number Of Persons Employed disbursed DIC KVIB KVIC Total 1 2008-09 35 -- 293 16 309 2 2009-10 85 50 562 39 651 3 2010-11 145 115 957 31 1103 4 2011-12 265 105 2695 49 2849 Total 530 270 4507 135 4912 Directorate of Economics & Statistics, J&K Page 28

As discussed in foregone paragraphs 530 cases were disbursed comprising of service sector and industry sector during the period under reference in district Budgam under PMEGP scheme. As can be seen from the above table 4912 persons got employed in whole district on establishing 530 units. The minimum number of persons viz 309 were employed during the year 2008-09 by the establishment of 35 units. In 2009-10 the units established were 85 which provided employment to 651 persons and during 2010-11 a contingent of 1103 persons were employed in 145 new units. During the last reference year 2011-12 the establishment of 265 more units facilitated employment for 2849 persons. In all during the four year reference period 4912 persons were employed in the 530 units established under the scheme at the rate of 9.26 persons per unit. As per the guidelines of PMEGP special focus is given to the special categories. In the laid guidelines of PMEGP beneficiaries are categorized into two groups viz general category and special category which include SC/ST/OBC/ Minorities/Women/Ex-Servicemen/Physically challenged, Hill & Border areas etc. The details regarding the beneficiaries as per the social category is given in the table hereunder:- Table No. 15 Category wise details of beneficiaries benefitted during the reference period 2008-09 to 2011-12 S. No. Year Total Number of projects established General Category Special Category DIC KVIB KVIC Total DIC KVIB KVIC Total DIC KVIB KVIC Total 1 2008-09 -- 33 2 35 -- 33 -- 33 -- -- 2 2 2 2009-10 10 69 6 85 10 69 -- 79 -- -- 6 6 3 2010-11 23 116 6 145 23 116 -- 139 -- -- 6 6 4 2011-12 17 241 7 265 17 241 -- 258 -- -- 7 7 Total 50 459 4 21 530 50 459 -- 509 -- -- 21 21 From the above table it can be observed that out of total 530 disbursed cases, 509 (96%) cases were disbursed among general category beneficiaries and 21(4%) were disbursed among special category beneficiaries. All the beneficiaries benefitted under general category stand sponsored by two agencies Viz. DIC & KVIB while as all the beneficiaries benefitted under special category stand sponsored by KVIC during the reference period 2008-09. Directorate of Economics & Statistics, J&K Page 29

Chapter-III Field Findings In order to compare the official claims, regarding implementation of the scheme during the reference period 2008-09 to 2011-12 with the ground realities reported/observed during the field enquiry are reflected in this chapter. As per the approved design, out of eight CD Blocks of District Budgam, the evaluation study was conducted in CD Block Budgam having maximum coverage under the programme, which also included the coverage of units established in urban areas of CD Block Budgam. During the reference period 2008-09 to 2011-12, 176 units/projects were established by sponsoring agencies viz DIC, KVIB & KVIC. As per the approved guidelines the selection of units was done as per the below mentioned weightage procedure to ensure selection of more units having completed gestation period:- Table No. 16 Year wise details of sample size Year Weightage (%) Ratio 2008-09 40 4 2009-10 30 3 2010-11 20 2 2011-12 10 1 The total number of units established by different sponsoring agencies viz DIC, KVIB, KVIC during the reference period 2008-09 to 2011-12 alongwith the sample selected as per stipulated procedure is provided hereunder:- Table No. 17 Agency wise details of sample selected for field enquiry Agency Year Total 2008-09 2009-10 2010-11 2011-12 DIC -- 4 6 5 15 KVIB 8 21 39 89 157 KVIC 2 -- 01 01 04 Total 10 25 46 95 176 Sample to be (28) (21) 14 (07) 70 Selected Sample selected 10 25 28 07 70 Directorate of Economics & Statistics, J&K Page 30

As can be seen from the above table that 176 units were established in CD Block Budgam during the reference period 2008-09 to 2011-12. As per the approved design 40% sample size out of total number of projects/units were to be selected for field enquiry. Keeping in view the above mentioned weightage 28 units were to be selected among the units established during 2008-09, 21 among established during 2009-10, 14 among established during 2010-11 and 07 among the units establish during 2011-12. As per the ground level situation the sample selection procedure was adapted. In respect of year 2008-09 and 2009-10, all the units reported established were selected. In respect of 2010-11 instead of selecting 14 units, 28 units were taken up for enquiry. In all 70 units were selected for field auditing. The field operations were carried out by the staff of District Statistics and Evaluation Officer of District Budgam under the close supervision of RJDK. The year-wise/agency-wise position of the sample units as on date of survey is reflected hereunder:- Directorate of Economics & Statistics, J&K Page 31

Units set up and functional Units Closed Units not set up at all Units not traced Total Set up and functional Closed Not set up at all Units not traced Total Setup and functional Closed Not set up at all Units not traced Total Setup and functional Closed Not setup at all Units not traced Total Table No.18 STATUS OF THE SAMPLE UNITS AS ON DATE OF SURVEY DIC KVIB KVIC Total No. of sample units No. of sample units No. of sample units No. of sample units S.N o. Year 1 2008-09 -- -- -- -- -- 5 3 -- -- 8 -- -- -- -- -- 5 3 -- -- 8 2 2009-10 1 -- -- -- 1 12 4 -- 2 18 -- -- -- -- -- 13 4 -- 2 19 3 2010-11 6 3 1 -- 10 17 2 3 -- 22 -- -- -- 1 1 23 5 4 1 33 4 2011-12 1 -- -- -- 1 7 1 -- -- 8 -- -- -- 1 1 8 1 -- 1 10 Total 8 3 1 -- 12 41 10 3 2 56 -- -- -- 2 2 49 13 4 4 70 Directorate of Economics & Statistics, J&K Page 32

It can be seen from the above table that out of 70 sample units, 49 (70%) were found set up and functional, 13 (18%) units were found closed, 4 (6%) were not set up and 4 (6%) could not be located at all. The analysis of the table reveals that during the period under reference out of 12 sample units selected for field enquiry in respect of DIC Budgam, 8 (67%) were found set up and functional, 3 (25%) were closed and 1 (8%) was not set up at all. With regard to KVIB, out of 56 sample units, 41 (73%) were found set up and functional, 10(18%) were found closed, 3(5%) were not set up at all and 2(4%) could not be located. As far as KVIC is concerned the two units which were a part of selected sample could not be located by the field investigators. During the course of investigation, four number of units could not be traced by the field investigators although implementing agencies were requested fervently to accompany the investigating team so that these units could be located. Out of these four units two were sponsored by KVIB and 2 by KVIC. The details in respect of these units is given below:- 1. As per the official claims two units with line of activity as textile were established by two beneficiaries during the year 2009-10 with overall project cost of Rs.10.00/- lacs and an amount of Rs.3.50/- lacs were released as margin money in their favour. The particulars of the non traceable beneficiaries are as: a) M. Ashraf Dar S/o: M. Jamal Dar R/o: Bemina Byepass. b) Irshad Ahmad Khan S/o: M. Abdullah R/o: Bemina Byepass. 2. Two more units which were falling in the sample selected in respect of the KVIC could also not be traced during the field investigations. The particulars of the non traceable units are given below:- a) Farooq Ahmad Malik S/o: Khazir Mohammad R/o: Soibug, with line of activity as Embroidery. b) Syed Zahid Abdullah S/o: Syed Mohammad Allaudin R/o:Soibug with line of activity as Embroidery. This needs to be looked into by the concerned authorities, as to how they have been able to avail the benefits with fake particulars. Directorate of Economics & Statistics, J&K Page 33