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DARWIN

Where EDUCATION meanS BUSINESS

Where EDUCATION meanS BUSINESSWhere EDUCATION meanS BUSINESSWhere EDUCATION meanS BUSINESS

PMFME

Pradhan Mantri Formalisation of Micro food processing Enterprises (PMFME) Scheme

BACKDROP:

  • India is second largest horticultural producer after China. 
  • India is disappointingly ahead in loss of vegetables and fruits
  • As per APEDA (Agricultural and Processed Food Products Export Development Authority), India loses Rs. 13,000 to 15,000 Crore every year on waste of fruits and vegetables. 
  • The key reason for higher wastage of fruits and vegetables is: 

                      (a) non-availability facilities of temperature controlled storages. Only 2% of the perishable produce has that facility.

                      (b) non-processing of the farm produce for longer shelf life and/or value added tertiary products in the form of packaged food

  • The unorganised food processing sector comprising nearly 25 lakh units 
  • These units contributes to 74% of employment in the food processing sector
  • Nearly 66% of these units are located in rural areas
  • about 80% of them are family-based enterprises supporting livelihood of rural households and minimizing their migration to urban areas.
  • The unorganised food processing sector faces a number of challenges which limit their performance and their growth. The challenges include lack of access to modern technology & equipment, training, access institutional credit, lack of basic awareness on quality control of products, and lack of branding & marketing skills etc.


Drivers of Increasing Demand for Packaged Food 

  • In recent years, there is a surge in demand for fruits & vegetables as a result of a shift in consumption pattern mainly due to rising incomes; hectic urban lifestyle and changing preferences. 
  • The health and value seeking urban consumers look for wholesome, nutritious and convenient solutions in packaged food. Due to this, the health and wellness has emerged as a new ingredient in processed food industry. This is partially because health conscious consumers prefer food products with lower carbohydrate content and with low cholesterol edible oils. 
  • Rising demand of zero-percent trans-fat snacks and biscuits, slim milk, whole wheat products, etc. 
  • The enhanced packaging is also able to change consumers purchasing behavior because of two reasons. Firstly, the packaging has increased shelf life of the processed food. Secondly, the consumers are able to compare the value offerings and choose best option before buying. 
  • The farmers also shifting production towards horticultural crops to cash in on growing demand of packaged food. This leads to change on cropping pattern in some parts of the country whereby staple crops are grown with vegetables.  


Types of Food Processing 

Food processing encompasses all the steps that food goes through from the time it is harvested to the time it arrives on consumer’s plate. According to FAO (Food and Agriculture Organization), processed foods can be classified into three types viz. Primary, Secondary and Tertiary.  

Primary Processing includes basic cleaning, grading and packaging as in case of fruits and vegetables. 

Secondary Processing includes alteration of the basic product to a stage just before the final preparation as in case of milling of paddy to rice. 

Tertiary Processing leads to a high value-added ready-to eat food like bakery products, instant foods, health drinks, etc. 


Functions of Food Processing 

  • to make food more digestible 
  • to preserve food during times of scarcity as most crops are seasonal
  • customized to suit the nutritional requirements of groups such as the elderly, pregnant women, infants, young children and athletes. 
  • to make food safe (microbiologically, chemically)
  • to provide products of the highest quality (flavor, color, texture) 
  • to make food into forms that are convenient (ease of use)

    PMFME

    BRIEF

    Pradhan Mantri Formalisation of Micro food processing Enterprises (PMFME) is a centrally sponsored scheme, which has been started by the central government in collaboration with various state governments. Through this scheme, small micro food processing units in the unorganized sectors of the food processing industries are formalized. Under this scheme of the central government, credit linked subsidy will be provided to new and old micro food processing enterprises, FPOs, self-help groups and cooperatives, with the help of which they upgrade their food processing facilities. The branding and marketing facility will be strengthened through this scheme, which will help in integrating the supply chain. The Ministry of Food Processing Industries is responsible for the smooth implementation of this scheme and a budget of Rs 10,000 crore has been allocated for a period of 5 years for the implementation of the scheme. Through this scheme, financial assistance is also provided to individual units by the central government for the improvement of their food processing facilities. Under this scheme, Farmer Producer Organizations, Self Help Groups and Producer Cooperatives will be benefitted.



    OVERVIEW

    Beneficiaries: Citizens of India 

    Application Procedure: Online 

    Objective: To cover micro food processing unit with credit linked subsidy 

    Benefits: To provide an organized framework to micro food processing unit 

    Category: Central Government Schemes 

    Official Website: https://mofpi.nic.in/pmfme/

    Expenditure Incurred in Implementing PM FME Scheme

    The government will spend Rs 10000 crore over a period of five years for the successful implementation of this scheme. The expenditure incurred for implementing PM FME Scheme 2022 will be divided among the governments in these ratios, like  In the ratio of 60:40 between the Central and State Governments. In the ratio of 90:10 with the North Eastern and Himalayan states. This PM FME scheme has been launched in the year 2020 as a part of the self-reliant India campaign, and is working by adopting one district one product approach. The scheme will also provide credit-linked subsidy @ 35% on eligible product cost with a ceiling of Rs.10 lakh.

    Benefits and Features of PMFME 2022

    •PM FME Scheme is a centrally sponsored scheme which has been started by the central government in collaboration with various state governments. 

    •Under this scheme, about 2 lakh micro food processing units will be provided a credit linked subsidy by the central government. 

    •Through this scheme small micro food processing units are formalized in the unorganized sectors of the food processing industries. 

    •Under this scheme, Farmer Producer Organization, Self Help Group and Producer Cooperative Societies will be benefitted. 

    •The Ministry of Food Processing Industries is responsible for the smooth operation of this scheme. 

    •With the help of this central government scheme, financial assistance is also provided to individual units for upgradation of their food processing facilities. 

    •Under PM FME Scheme 2022, facilities for quality improvement, establishment of common and basic facilities and skill development training are provided through technical knowledge. 

    •The time period for the implementation of this scheme has been fixed for five years, which is applicable from 2020-21 to 2024-25. 

    •For the smooth implementation of this scheme, the government has allocated a budget of Rs 10000 crore. 

    •Branding and marketing support is also provided through the Pradhan Mantri Formalisation of Micro food processing Enterprises (PMFME).  

    Components of PMFME Scheme 2022

    Support to individual and groups of micro enterprises (new & old) 

    Branding and marketing support  

    Support for strengthening of institution 

    Setting a progress project management framework

    Implementation and Monitoring Mechanism Agencies under PM FME Scheme

    • Committee on capacity building and research 

    • National Apex institutions 

    • State level technical Institution 

    • Inter ministerial committee 

    • Project executive committee 

    • State level approval committee 

    • The State nodal department 

    • State nodal department agency 

    • District level committee 

    • National program management unit 

    • State program management unit Resource persons  

    Eligibility Criteria of Individual Micro Enterprises

    • The micro-enterprise should be in operation, and should be engaged in food processing activities. 

    • Only one person from the family can take advantage of this PM FME Scheme 2022, and the age of the applicant should be more than 18 years. 

    • Applicants must have passed at least 8th class then only he/she will be considered eligible to apply. 

    • Only proprietorship or partnership firms will be able to take advantage of PM FME Scheme, and they should have ownership rights of the enterprise. 

    • This enterprise must be incorporated, and must consist of at least 10 workers. 

    • The cost of land under the scheme should not be included in the cost of the project. 

    • Under the PM FME Scheme, the entrepreneur will have to contribute 10% of the project cost himself, and the rest will be available through loan from the bank. 

    • The cost of ready built along with a long lease or rental worksheet can be included under project cost for a maximum period of 3 years.  

    IMPORTANT DOWNLOADS

    Office Order - DRP Agency PMFME (pdf)

    Download

    Checklist of Documents for Loan Applications (pdf)

    Download

    OM-Modification - New and Old MSMEs can apply PMFME (pdf)

    Download

    PMFME in a snapshot (pdf)

    Download

    List of INELIGIBLE activities (jpg)

    Download
    2. Scheme Brochure I (pdf)Download
    4. Scheme Brochure II (pdf)Download
    6. Scheme Guidelines (pdf)Download
    8. StructureofStateandUTProjectManagemantUnit(SPMU) (pdf)Download
    9. Rates for Outsourcing Training Materials Technologies etc. under the Capacity Building Component of PMFME Scheme (pdf)Download
    10. GuidelinesforCapacityBuildingComponentunderPMFMEScheme (pdf)Download
    11. GuidelinesforEstablishmentofCommonIncubationFacitlityunderPMFMEScheme (pdf)Download
    12. Revised Guidelines for Capacity Building Component under PMFME Scheme (pdf)Download
    14. Guidelines for Implementation of Seed Capital Component under PMFME Scheme (pdf)Download
    16. Amendments in the Guidelines for engagement of District Resource Persons under PM FME Scheme (pdf)Download
    19. Approved Revised List of ODOP in 35 States and UTs (pdf)Download
    22. Handbook on Common Incubation Facility under PMFME Scheme (pdf)Download
    23. Syllabus Handbook-Capacity Building and Training (pdf)Download
    24. Revised guidelines for establishment of incubation centers under PMFME Scheme (pdf)Download
    25. Model RFP and ToR for preparation of State Level Upgradation Plan (SLUP) for implementation of PM FME (pdf)Download
    26. Model Tender Document for Supply, Installation, Commissioning of Food Processing Lines for Incubation Centres on Turnkey Basis (pdf)Download
    27. Capacity Building-Syllabus Handbook for District Resource Person (pdf)Download
    28. Joint Guidelines PMFME NULM (pdf)Download
    29. OM dated 19.08.2021 regarding modification of cost norms for Incubation Centers (pdf)Download
    30. Booklet of PMFME scheme (pdf)Download
    31. Guidelines for the preparation of Branding and Marketing DPR (pdf)Download
    32. Model Tender for Selection of Operation and Management of Incubation Centre being established under PMFME Scheme- Reg. (pdf)Download
    33. Adv for PMFME Scheme get 35 subsidy on taking loan from the bank (maximum ₹10 lakhs)-English (pdf)Download
    35. Modifications under the Branding & Marketing component of the PM FME Scheme (pdf)Download
    36. Procedure for release of funds for proposals approved under the Branding & Marketing component of PMFME scheme (pdf)Download
    37. Use of logo on packaging of products approved under the Branding & Marketing component of the PMFME scheme (pdf)Download
    40. All India DNOs (pdf)Download
    41. All India DICC-DRPs (pdf)Download
    SNA Details (pdf)Download
    Union Bank of India - MoU - Lending Bank (pdf)Download
    punjab n sind bank mou (pdf)Download
    UCO Bank- MoU - Lending Bank (pdf)Download
    POA HDFC Bank (pdf)Download
    SBI MoU (pdf)Download
    MoU PNB (pdf)Download
    MoU Central Bank of India (pdf)Download
    Bank of Baroda MoU (pdf)Download
    Axis Bank MoU (pdf)Download
    Bank of Maharashtra MoU (pdf)Download
    Canara Bank MoU (pdf)Download
    Bank of India MoU (pdf)Download

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