CLC Introduction

The CLCS component of CLC-TUS aims to provide institutional finance to Micro and Small Enterprises (MSEs) for the adoption of established and proven technologies in specific sub-sectors/products approved under the scheme.
A subsidy of 15% of the institutional credit up to Rs. 1.0 crore (with a subsidy cap of Rs. 15.00 lakh) is provided for identified sectors/sub-sectors/technologies. The list of identified technologies/sub-sectors can be reviewed and updated. The Online Application and Tracking System has been amended to align with the revised provisions of the scheme.The scheme is currently implemented through 11 nodal banks/agencies, including SIDBI, NABARD, SBI, SBBJ, PNB, BoB, Canara Bank, Corporation Bank, Indian Bank, Bank of India, and TIICL. However, all commercial banks, private banks, and Regional Rural Banks (RRBs) act as Primary Lending Institutions (PLIs) through these nodal banks/agencies.


1. Publicity campaigns should be carried out through various mediums such as banners, posters, handbills, wall writings, and local TV channels to create awareness about the concept and benefits of CLC among the local population.
2. Regular publicity campaigns should be conducted during the initial phase and subsequently at regular intervals to encourage residents to use the services provided by CLC.
3. Sensitisation programmes can be organised on a cluster basis in different wards with the participation of local councillors to promote the understanding and functions of CLC.
4. A toll-free helpline service should be established for both service providers and seekers once CLC becomes operational. The State should provide necessary assistance to set up this service.
5. CLC should introduce an application form with a provision for photograph and verification of credentials by the local councillor for registering/enrolling the names of service providers in the designated areas.