• By RK Online Desk
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• 01 Apr 2026

CS reviews impact of MSME Health Clinic under RAMP scheme

    Jammu, Mar 31: Chief Secretary, Atal Dulloo, on Tuesday chaired a review meeting of Industries & Commerce Department to assess the progress and impact of the MSME Health Clinic established under the Raising and Accelerating MSME Performance (RAMP) scheme, aimed at revitalizing stressed and sick industrial units across Jammu and Kashmir.   The CS directed the department to leverage available institutional and human resources. He stressed that, in addition to technical support from Indian Institute of Management (IIM) Jammu, the department should actively utilize the expertise of Functional Managers, resources from Entrepreneurship Development Institute (EDI), and faculty and students from universities across the UT.   He underscored the importance of constituting multidisciplinary teams comprising professionals and trained interns to carry out a structured assessment of MSMEs.   These teams, he noted, should initially undertake virtual evaluations followed by field visits for on-the-spot assessment and advisory support to units requiring intervention.   He also called for the integration of Artificial Intelligence (AI)-based tools to streamline the diagnostic process and determine the severity and nature of interventions required.   The Chief Secretary advised the department to set daily and monthly targets to

ensure timely outreach to MSMEs, either through digital platforms or physical visits.   He stressed that each unit should be systematically evaluated and categorized as stable, stressed, or sick, followed by the provision of appropriate advisory and financial assistance in coordination with J&K Bank to facilitate their stabilization and revival.   Dulloo suggested exploring collaboration with J&K Bank for addressing financial stress among MSMEs, including examining possibilities of loan restructuring in line with the bank’s internal policies and regulatory framework.   The CS emphasized aligning insights generated from the MSME Health Clinic with the evolving Industrial Policy of Jammu and Kashmir. He observed that data and findings from enterprise-level assessments could be effectively utilized to fine-tune policy incentives.   He directed the department to plan physical outreach programmes in collaboration with IIM Jammu and leverage the Small Business Development Units (SBDUs) under Mission YUVA for organizing workshops and providing expert guidance to MSMEs. He urged the management of IIM Jammu to play a proactive role.   On this occasion, the Director, IIM Jammu, B S Sahay, suggested developing comprehensive informational material, including pamphlets outlining standard operating procedures, dos and don’ts,

and key diagnostic parameters for MSME assessment.   During the meeting, Commissioner Secretary, Industries & Commerce, Vikramjit Singh, informed that a total of 3,968 MSMEs have registered on the Health Clinic portal so far. He stated that Phase I and Phase II of the initiative have been successfully completed, with 1,238 enterprises digitally assessed. Of these, 994 units (80.29%) were found to be stable, 237 units (19.14%) were identified as stressed, and 7 units were categorized as sick.   Director Industries & Commerce, Jammu, Arun Manhas, apprised that the initiative has covered 12 districts so far, with 162 online interactions already completed. The remaining cases are expected to be finalized shortly. He added that 14 units have been identified for targeted rehabilitation, with field visits conducted to validate assessments and extend on-ground support.   Highlighting the ongoing Phase III, he informed that 1,544 MSMEs have been digitally assessed, out of which 1,309 units (84.47%) were categorized as stable, 229 units (14.83%) as stressed, and 6 units as sick.   It was also noted that in-depth diagnostic studies and structured interviews of the 229 stressed MSMEs will commence shortly.