| Sr No | Subsidy scheme Name | Scheme Type (All/SC-ST/Women) | Ministry | Description | Visiting link to know more | Applicability Central/State |
|---|---|---|---|---|---|---|
| 150 | Subsidised term loan from | SC/ST | National Scheduled Castes Finance and Development Corporation, Government of India, Ministry of Social Justice and Empowerment | Scheme summary/key features NSFDC provides term loan for project(s)/unit(s) costing up to Rs 50.00 lakhs. NSFDC provides term loan up to 95% of the cost of project, subject to the condition that the SCAs contribute their share of assistance as per their schemes and also provide the required subsidy besides tying up of the financial resources from other sources available. Interest rate depends on quantum of loan. Term loan to be repaid in quarterly/half yearly/annual instalments within a maximum period of 10 years. Moratorium Period is 6 months to 12 months depending upon nature of business activity Eligibility: The beneficiary should be from the Scheduled Castes Community. Up to Rs. 3.00 lakhs for both Rural and Urban areas. At least 50% of funding to the beneficiaries having annual family income up to Rs. 1.50 lakh and balance 50% funding to the beneficiaries having annual family income above Rs. 1.50 lakh and up to Rs. 3.00 lakh. Amount or percentage or subsidy: Beneficiaries are eligible for subsidy 10,000/- or 50% of the unit cost, whichever is less and to be provided by SCAs | http://nsfdc.nic.in//en/schemes-dashboard | Central |
| 151 | Swachhta Udyami Yojana (SUY) | SC/ST | National Safai Karmacharis Finance & Development Corporation, Government of India, Ministry of Social Justice and Empowerment | Scheme summary /key features: Swachhta Udyami Yojana-Swachhta Se Sampannta Ki Aur" is for extending financial assistance for Construction, Operation & Maintenance of Pay and Use Community Toilets in Public Private Partnership (PPP) Mode and Procurement & Operation of Sanitation Related Vehicles. Maximum amount of financial assistance Rs.25 lakh for setting up a unit of 10-seater toilet to individual/SHGs in collaboration with reputed organisations. For procurement and operation of sanitation related vehicles maximum amount of financial assistance Rs.15 lakh to individual/SHG/JRG/cooperative and up to Rs.40 lakh to SHG/JRG/Co-operative. Rate of interest 4% p.a and repayment period up to 10 years. Moratorium 6 months plus 6 months for implementation. Eligibility: Individual beneficiaries, SHGs through State Channelising Agencies (SCAs) in collaboration with reputed organisations for construction, operation and maintenance of Pay & Use toilets. For procurement and operation of sanitation related vehicles target group of manual scavengers, safai karamcharis urban local bodies Amount or percentage of subsidy: Maximum subsidy of Rs.3.25 lakh in case of manual Scavengers under Self Employment Scheme for Rehabilitation of Manual Scavengers (SRMS) in accordance with the "Prohibition of Employment as Manual Scavengers and their Rehabilitation Act, 2013. | http://nskfdc.nic.in/content/home/swachhta-udyami-yojana-suy | Central |
| 152 | Special Credit Linked Capital Subsidy Scheme (SCLCSS) for MSEs under National Scheduled Castes and Scheduled Tribes Hub Scheme-reg | SC/ST | Government of India, Ministry of Micro, Small & Medium Enterprises (MSME) | Scheme summary/key features: The scheme aims at facilitating purchase of plant & machinery by providing upfront capital subsidy to SC/ST owned MSEs on institutional finance availed of by them with an overall investment ceiling of Rs.1 crore without any restriction on the sectors or machinery & technology The objective of this scheme is to promote new enterprises and support the existing enterprises in their expansion for enhanced participation in the public procurement. Eligibility: SC/ST owned MSEs both existing and new Amount or percentage of subsidy: 25% of institutional finance availed. | https://msme.gov.in/whatsnew/guidelines-special-credit-linked-capital-subsidy-scheme-sclcss-mses-under-national | Central |
| Sr No | Subsidy scheme Name | Scheme Type (All/SC-ST/Women) | Ministry | Description | Visiting link to know more | Applicability Central/State | ||||||||||||||||||||||||||||||||||||||||||||||||||||
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| 153 | Bharat Ratna Dr. Baba Saheb Ambedkar Udyog Uday Yojna for SC/ST Entrepreneurs of MSME | SC/ST | Industries Commissionerate, Government of Gujarat |
Scheme summary /Key features: The scheme shall be operative from 07/08/2020 (date of announcement of industrial policy) to 06/08/2025. The following schemes will be in operation 1. Capital investment subsidy 2. Assistance for interest subsidy 3. Assistance for quality certification 4. Financial support to MSMEs in ZED certification 5. Assistance in implementation of Information and Communication Technology (ICT) 6. Assistance for technology acquisition 7. Assistance for raising capital through SME exchange 8. Assistance for power connection charges 9. Assistance to basic industrial infrastructure 10. Assistance to Special entrepreneurship training with 360-degree approach with mentoring support with sustenance allowance for promoters/entrepreneurs 11. Assistance to GIDC for developing multi-storeyed shed in estates 12. . Assistance to MSEs for shed developed by private developers 13. Assistance in rent to MSEs 14. Assistance to MSME manufacturing sector participation in the exhibition 15. Assistance to MSE of SC/ST for plot developed by GIDC Eligibility: MSMEs in the State. SC/ST enterprise means the enterprise in which contribution of SC/ST entrepreneur is 51% or more Amount or percentage of subsidy: As per respective schemes in the policy |
https://indextb.com/files/2020/10/b0e2ed2a-18ff-4a0f-a132-407b89ef271f_2-GR_02092020.pdf | Gujarat | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 153-(i) & (ii) | Capital Investment subsidy and Assistance for Interest subsidy | SC/ST | Industries Commissionerate, Government of Gujarat |
Scheme summary/key features: Enterprise claiming capital investment subsidy should apply on line within one year of commercial production. Capital investment subsidy will not be available if loan is sanctioned one year after commercial production. For interest subsidy the enterprise has to apply online within one year from the date of first disbursement of loan or on or before the date of commencement of commercial production/rendering services Eligibility: Enterprise claiming capital investment subsidy should apply on line within one year of commercial production. Capital investment subsidy will not be available if loan is sanctioned one year after commercial production. For interest subsidy the enterprise has to apply online within one year from the date of first disbursement of loan or on or before the date of commencement of commercial production/rendering service Amount or percentage of subsidy:
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https://indextb.com/files/2020/10/b0e2ed2a-18ff-4a0f-a132-407b89ef271f_2-GR_02092020.pdf | Gujarat | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 153 (iii) | Assistance for quality certification | SC/ST | Industries Commissionerate, Government of Gujarat |
Scheme summary/key features: The scheme is to extend support to MSME to get quality certification to introduce quality product in competitive market. The manufacturing sector will be eligible for following assistance Eligibility: MSMEs Amount or percentage of subsidy: ERP Assistance: 75% of capital cost for installing Enterprise Resource Planning (ERP) System subject to a maximum amount of Rs. 1 lakh. Capital cost in ERP system includes installation charges, software and annual service cost. The capital cost does not include the hardware part of the ERP system. In case of Software as a Service (SaaS)based deployment option of ERP system the annual service charges will be considered. Quality Certification: The policy will provide fiscal support up to 60% of fee payable to national/international certification (BIS/ISI/WHO/GMP/Hallmark etc., and other national and international certification) and 60% cost of testing equipment and machinery required for that certification, totalling up to maximum amount of INR 10 lakhs. The cost of certificate will include fees charged by certification agency (excluding travel, hotel and surveillance charges) cost of testing equipment /machinery as required for certifications, Calibration charges of equipment. The testing equipment purchased after issuance of Quality Certificate will not be eligible for assistance. The enterprise will have to apply within one year from the date of assistance. |
https://indextb.com/files/2020/10/b0e2ed2a-18ff-4a0f-a132-407b89ef271f_2-GR_02092020.pdf | Gujarat | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 153 (iv) | Financial support to MSMEs in ZED certification | SC/ST | Industries Commissionerate, Government of Gujarat Gujarat |
Scheme summary/key features: The scheme envisages promotion of Zero Defect and Zero Effect (ZED) manufacturing amongst MSMEs and ZED Assessment for their certification so as to: • Develop an Ecosystem for Zero Defect Manufacturing in MSMEs. • Promote adaptation of Quality tools/systems and Energy Efficient manufacturing. • Enable MSMEs for manufacturing of quality products. • Encourage MSMEs to constantly upgrade their quality standards in products and processes. • Drive manufacturing with adoption of Zero-Defect production processes and without impacting the environment. • Support ‘Make in India’ campaign. • Develop professionals in the area of ZED manufacturing and certification Eligibility: MSME Units Amount or percentage of subsidy: The enterprise will be eligible for subsidy @ 50% of all charges after deducting the assistance received from Govt. of India foe ZED certification up to a maximum amount of Rs.50,000/ |
https://indextb.com/files/2020/10/b0e2ed2a-18ff-4a0f-a132-407b89ef271f_2-GR_02092020.pdf | Gujarat | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 153 (v) | Assistance in implementation of Information and Communication Technology (ICT) | SC/ST | Industries Commissionerate, Government of Gujarat |
Scheme summary/key features: The main objective of the scheme is to motivate MSMEs to adopt ICT tools and applications in their production & business processes with a view to improve their competitiveness in national & International market. The likely development outcomes of the scheme will be: i. To promote an echo system of cost effective and all-inclusive ICT applications for MSMEs through Cloud Computing ii. To establish Inter and Intra Networks amongst Technology Centres and Institutions of Office of DC, MSME iii. To enable MSMEs to search for value chain (raw material, experts) online iv. Adoption of best practices to improve quality of products and services Eligibility: MSMES Amount or percentage of subsidy: The equipment required for use of ICT as a media of communication networking with hardware for assessing cloud computing shall be eligible for 75% of capital expenditure related to ICT facilities, maximum up to Rs.5 lakh |
https://indextb.com/files/2020/10/b0e2ed2a-18ff-4a0f-a132-407b89ef271f_2-GR_02092020.pdf | Gujarat | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 153 (vi) | Assistance for technology acquisition | SC/ST | Industries Commissionerate, Government of Gujarat |
Scheme summary/key features: The objective of the scheme is to sensitize and encourage the manufacturing MSME sector in India to the use of efficient Technologies and Manufacturing Processes so as to reduce cost of production. Eligibility: MSMEs New units and existing Amount or percentage of subsidy: Assistance for the acquisition of appropriate technology from recognised institution for its product/ process during the operative period of the scheme will be @ 70% of the cost payable to the institution, maximum of Rs. 50 lakh, including royalty payment for first two years. MSME shall have to obtain prior approval of MSME Commissioner within one year after signing MoU with Technology provider. Assistance will be available to set up a new enterprise with new technology. Existing enterprise will also be eligible for new product or for improvement of production process. Assistance will not be eligible for purchase of any plant and machinery or equipment. Patented technology acquired from Indian companies /foreign companies will also be eligible |
https://indextb.com/files/2020/10/b0e2ed2a-18ff-4a0f-a132-407b89ef271f_2-GR_02092020.pdf | Gujarat | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 153-(vii) | Assistance for raising capital through SME exchange | SC/ST | Industries Commissionerate, Government of Gujarat |
Scheme summary/key features: Under the new guidelines of SEBI MSMEs can raise equity capital through SME Exchange. Assistance will be provided under this scheme to encourage MSMEs to opt for this route Eligibility: MSMEs in Manufacturing. Amount or percentage of subsidy: 30% expenditure incurred on raising of equity capital through SME exchange maximum up to Rs 5 lakhs one time after successful raising of equity as per approved scheme by SME Exchange during the operative period of the scheme. Enterprises shall have to apply within one year from the date of listing in SME exchange. MSME status of enterprise will be considered on the date of listing in SME Exchange. Gujarat Venture Finance Limited (GVFL) may take equity in enterprise which are registered in SME Exchange. |
https://indextb.com/files/2020/10/b0e2ed2a-18ff-4a0f-a132-407b89ef271f_2-GR_02092020.pdf | Gujarat | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 153 (viii) | Assistance for power connection charges | SC/ST | Industries Commissionerate, Government of Gujarat |
Scheme summary/key features: MSME, located in other than GIDC estates/approved industrial park, which has paid charges to distribution licensee, for new connection or for Setting additional load in case of existing consumer (in case of expansion) or for shifting of connection or service line, will be eligible for assistance under the scheme. Eligibility: MSME, located in other than GIDC estates/approved industrial park, which has paid charges to distribution licensee, for new connection or for Setting additional load in case of existing consumer (in case of expansion) or for shifting of connection or service line, will be eligible for assistance under the scheme. Amount or percentage of subsidy: Assistance @50% of charges paid to distribution licences for LT/HT service line, maximum limit up to Rs. 5 lakhs. The MSME manufacturing enterprise has to apply for reimbursement within one year from the date of payment of charges to Distribution Licensee for service line |
https://indextb.com/files/2020/10/b0e2ed2a-18ff-4a0f-a132-407b89ef271f_2-GR_02092020.pdf | Gujarat | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 153 (ix) | Assistance to basic industrial infrastructure (Water, Gas and approach road) | SC/ST | Industries Commissionerate, Government of Gujarat |
Scheme summary/key features: The objective of the scheme is to support MSMEs in the state y extending assistance to improve basic infrastructure needed by them. Eligibility Eligible investment means fixed capital investment made in any of following basic infrastructure facilities in other than 6lDC area/industrial park i. Approach road: Expenditure incurred for construction of approach road from the premises of the enterprise to the main outer point/connecting point for last mile connectivity., The expenditure for construction of approach road will be considered on basis of SOR applicable. The construction of Approach Road should be certified for Quality by Third party holding Govt. approval. Gas / Water connection: Expenditure incurred or charges paid to supplier lor gas / water connection from source to premises of the enterprise Amount or percentage of subsidy: Assistance @75% of cost of capital investment for infrastructure or expenditure incurred for Water/ gas facilities, maximum limit up to Rs. 15 lakh including all infrastructure / facilities. The eligible investment component of the project will not be eligible for assistance under this Scheme, if the said component has already been sanctioned under any other scheme of the state government, unless specified otherwise. However, if assistance is availed under Central Govt. Scheme, the assistance together of state government and central government scheme should not exceed the eligible investment component cost. b) The applicant shall have to submit detailed estimate for the basic infrastructural / facilities needed. |
https://indextb.com/files/2020/10/b0e2ed2a-18ff-4a0f-a132-407b89ef271f_2-GR_02092020.pdf | Gujarat | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 153 (x) | Assistance to Special entrepreneurship training with 360-degree approach with mentoring support with sustenance allowance for promoters/entrepreneurs | SC/ST | Industries Commissionerate, Government of Gujarat |
Scheme summary/key features: Through "Special Entrepreneurship training with 360-degree approach", SC/ST entrepreneurs will be benefitted with combination of the knowledge from institutions, core industrial activities, advices and mentoring from experts, best practices while establishing the idea for sustaining new businesses. The focus on social entrepreneurship will also motivate the entrepreneurs to think not only about their own employability in creating their businesses, but also on how they can be relevant to society and provide employability opportunities to their peers as well, creating a ripple effect of entrepreneurship and employability. The scheme provides 350 Degree support and Hand Holding oriented towards strengthening the eco-system for promoters and entrepreneurs for providing unique knowledge of entrepreneurship on functional area of management, soft skills, assessments, finance, inventory, sales, marketing, e-commerce, logistics and best practices. Eligibility: Any individual above age of 18 years, belongs to Scheduled caste / Scheduled tribe will be eligible. b) Nodal institution means Universities /Management institution / entrepreneurship Development institutions, / Centre of Excellence/CED intent to provide training for entrepreneurship developments. Such institution shall have to obtain approval of the State Level implementation Committee (SLIC) constituted under the GR no. CED-112015-24553-| dated U4/2O15, for providing training and mentor support. c) The detailed Standard of Procedures, guidelines and implementation would be done by Centre of Entrepreneurship Development (CED). d) Nodal institution will be provided Special Entrepreneurship training with 360-degree approach covering the aspects of soft skills, entrepreneurial skills, management skills, developing business acumen, project management, financial management etc. e) The training sessions shall be consisting of conducting pre-training diagnostics, conducting experimental training session and creating post training environment Amount or percentage of subsidy: Assistance for special entrepreneurship training: i. The assistance for Special Entrepreneurship training with 360-degree approach@100% of course fees maximum up to Rs. 10,000/- per month per person will be payable to nodal institution. ii. The duration of the training program should not be less than for 6 months and maximum up to one ye. Assistance for mentorship support: The mentorship support should be provided to develop platform where entrepreneur can exchange experience, adopt best practices and understand expertise in running an industrial enterprise. Nodal institutions will identify mentor from the industrial field, who can share his/her knowledge and experience to trainee for adopting different approaches and methods to develop skills and competencies for becoming an entrepreneur. The assistance for mentorship support @100% of mentorship cost limited to maximum up to Rs.5,000/- per month per person will be paid to the mentor, maximum up to 3 months. The role of mentor will be decided by SLIC. Assistance as Sustenance Allowance: The entrepreneur will be provided Rs. 5,000 per month as sustenance allowance for the duration of the entrepreneurship training with 360-degree approach through nodal institution. |
https://indextb.com/files/2020/10/b0e2ed2a-18ff-4a0f-a132-407b89ef271f_2-GR_02092020.pdf | Gujarat | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 153 (xi) | Assistance to GIDC for developing multi-storeyed shed in estates | SC/ST | Industries Commissionerate, Government of Gujarat |
Scheme summary/key features: GIDC will allot the plot to SC/ST entrepreneur in the multi-storied sheds complex Eligibility: Eligible MSMEs Amount or percentage of subsidy: An enterprise will be eligible for assistance up to 70% of the allotment price of GIDC. ii. On payment of 30% of allotment price, GIDC will hand over the possession of the plot and submit the claim of subsidy up to 70% of the allotment price to the commissioner MSME Conditions: a) GIDC has to construct Multi-storeyed structure having maximum shed size up to 100 Sq. Mt. (1000 Sq. ft.) with adequate infrastructure like electricity connection, water, drainage and sanitation, Lift for transport of materials and Man Power etc. will be allotted to SC/ST entrepreneur. 2. Commissioner MSME is empowered to prescribe forms, checklist and procedure and finalise guidelines for the implementation of this scheme. 3. Allotment of shed to SC/ST enterprise by GIDC will be as per its prevailing policy and as per terms and conditions of allotment and maintenance. 5. Allotment price will be determined by GIDC and submit it for perusal of SLEC and the same shall not be increased for 5 years from the date of first allotment 6.GIDC shall not allot more than one shed to one MSE 7.Units shall have to commence production within time period fixed by GIDC 8.Terms and conditions of allotment and maintenance will be prescribed by GIDC 9.Disbursement of the assistance shall be released on availability of Government grant. |
Gujarat | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 153 (xii) | Assistance to MSEs for shed developed by private developers | SC/ST | Industries Commissionerate, Government of Gujarat |
Scheme summary/key features: Private Developer will allot the shed to SC/ST entrepreneur in the mini estate developed by him and approved under state government scheme. Eligibility: MSE industrial units Amount or percentage of subsidy: Quantum of Assistance i. The Private Developer will be eligible for additional assistance up to 15% of the total cost of land, building and other infrastructure facilities, technical consultancy fees and TPQA charges which is termed as "cost of shed" hereafter (in addition of 55% assistance granted by government to Private Developer) ii. On payment of 30% of cost of shed to Private Developer by SC/5T entrepreneur, the Private Developer will hand over the possession and submit the claim. The assistance under the scheme will be disbursed to private developer at the rate of 35% of the cost of Shed on the sale of individual Shed and the remaining assistance shall be disbursed to private developer after the commencement of the production by MSEs. |
Gujarat | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 153 (xiii) | Assistance in rent to MSEs | SC/ST | Industries Commissionerate, Government of Gujarat |
Scheme summary/key features: MSEs are provided assistance in rent paid by the enterprise • The owner of shed should have legal ownership and possession. • The manufacturing activity should be consuming electricity/power • The assistance of rent will be from the date of rent deed or three months prior to the date of production whichever is later. • Service activity and trading activity will not be eligible under the scheme. Eligibility: Any MSE engaged in manufacturing activities in rented/leased industrial premise will be eligible under the scheme. Service activity and trading activity will not be eligible under the scheme. Amount or percentage of subsidy: The assistance @70 % of rent paid by the enterprise with maximum limit of Rs.1 lakh - per annum The assistance will be provided for 5 years |
https://indextb.com/files/2020/10/b0e2ed2a-18ff-4a0f-a132-407b89ef271f_2-GR_02092020.pdf | Gujarat | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 153 (xiv) | Assistance to MSME manufacturing sector participation in the exhibition (National & international) | SC/ST | Industries Commissionerate, Government of Gujarat |
Scheme summary/key features: • The Enterprise that has received assistance under this scheme will not be entitled to avail benefit of any other State Government Scheme for the same component /purpose, unless specifically specified under that scheme. • MSME may avail benefits of Gol Scheme for such components for which assistance is not availed under GoG Scheme or Vice Versa. • The Total quantum of assistance under both the State and Central Government Scheme would be limited to actual expenditure. • MSME has to apply in prescribed application form to DIC within six months from the last date of the exhibition/trade fair in which it has participated. Eligibility: a) MSME enterprises of manufacturing sector participating in exhibitions /trade Fair organised in India or international exhibitions /trade fairs organised outside India or inside India will be eligible under the scheme. b) MSME enterprises participating in exhibition / trade fair should be in production in the state of Gujarat during the operative period of the scheme Amount or percentage of subsidy: State Level Exhibition: • Assistance @80% maximum up to Rs.50,000/ (Cost of stall rent +cost for product literature and display material cost. • Enterprise will be entitled for maximum 5 times during operative period of the scheme. National level exhibition: • Assistance @80% maximum up to Rs.1 lakh/ (Cost of stall rent +cost for product literature and display material cost. • Enterprise will be entitled for maximum 5 times during operative period of the scheme International level exhibition (Inside India) • Assistance @ 80% maximum up to Rs.2 lakh/ (Cost of stall rent +cost for product literature and display material cost. • Enterprise will be entitled for maximum 5 times during operative period of the scheme International level exhibition (outside India) • Assistance @ 70% maximum up to Rs.5 lakh/ (Cost of stall rent +cost for product literature and display material cost. • Enterprise will be entitled for maximum 3 times during operative period of the scheme • Maximum cap of product literature and display material is capped at Rs.50,000/= • The assistance will be provided by way of reimbursement. |
https://indextb.com/files/2020/10/b0e2ed2a-18ff-4a0f-a132-407b89ef271f_2-GR_02092020.pdf | Gujarat | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 153 (xv) | Assistance to MSE of SC/ST for plot developed by GIDC | SC/ST | Industries Commissionerate, Government of Gujarat |
Scheme summary/key features: • GIDC will allot the plot to SC/ST entrepreneur in the estate approved under state government scheme • The plot size shall not be more than 1000 Sq. MT., ln case of plots with irregular size caused by planning on borders of lay-out are exempted. • Commissioner MSME is empowered to prescribe forms, checklist and procedure and finalise guidelines for the implementation of this scheme. • Allotment of plot to SC/ST enterprise by G|DC will be as per its prevailing policy and as per terms and conditions of allotment and maintenance. Unit shall have to commence production within operative period of the scheme. • The trading activity will not be eligible under the scheme. • GIDC will subsequently submit claim to commissioner MSME for assistance • Disbursement of the assistance shall be released on availability of Govt. Grant. Eligibility: Approved SC/ST entrepreneur in the state. Amount or percentage of subsidy: An enterprise will be eligible for assistance up to 70% of the allotment price of GIDC. ii. On payment of 30% of allotment price, GIDC will hand over the possession of the plot and submit the claim of subsidy up to 70% of the allotment price to the commissioner MSME |
https://indextb.com/files/2020/10/b0e2ed2a-18ff-4a0f-a132-407b89ef271f_2-GR_02092020.pdf | Gujarat | ||||||||||||||||||||||||||||||||||||||||||||||||||||
