README.md

---
tags:
- sentence-transformers
- sentence-similarity
- feature-extraction
- dense
- generated_from_trainer
- dataset_size:90
- loss:CachedMultipleNegativesRankingLoss
base_model: sentence-transformers/all-mpnet-base-v2
widget:
- source_sentence: when ever i try to get register for udyam registration the registration
    is not getting completed because their is issue with the selection of longitude
    and latitude on the website. it says to login on some this website https webgis3.nic.in
    bharatmaps rest services and they only can able to select the longitude and latitude
    location please resolve the glitch. issue issue with longitude and latitude selection
    for udyam registration context the user is experiencing an issue with completing
    the udyam registration process due to a problem with selecting longitude and latitude
    on the website which requires login to a separate website https webgis3.nic.in
    bharatmaps rest services. details - website for longitude and latitude selection
    https webgis3.nic.in bharatmaps rest services
  sentences:
  - UAM/Udyam Registration/Certificate related issues. Update Company/Owner Name Details.
    this category includes grievances related to corrections or updates to the name
    of the enterprise or the name of the owner associated with a udyam registration.
    accurate naming details are important for maintaining correct enterprise records
    and ensuring that the information recorded in the registration reflects the official
    business identity. grievances under this category typically arise when the name
    of the enterprise or the owner s name recorded during registration contains an
    error or needs to be updated due to changes in the business structure. for example
    the enterprise name may have been entered incorrectly during registration or the
    owner s name may not match official identification documents. in some cases the
    enterprise name may change due to business rebranding conversion of the business
    structure or correction of typographical errors made during the registration process.
    users may also report that the system does not allow modification of the name
    field or that their request to update the name has not been processed. these grievances
    are generally raised by msme proprietors partners company directors or authorized
    representatives responsible for managing the enterprise registration. business
    owners who notice inconsistencies between their official business documents and
    the name recorded in the udyam registration may request updates to correct the
    information. in some situations accountants consultants or administrative staff
    who manage regulatory documentation for the enterprise may also submit grievances
    when they identify that the enterprise or owner name recorded in the registration
    requires correction or modification.
  - Technology, Quality and Institutions. Official Language Related Issues. official
    language related issues in msme administration concern the implementation of hindi
    rajbhasha in accordance with the official languages act <NUM> as amended across
    the ministry of msme its development institutes field offices and attached organizations.
    this framework mandates progressive use of hindi in official work bilingual hindi
    english documentation replies in hindi to communications received in hindi availability
    of hindi-enabled software on computers and regular training in hindi typing and
    computing for officials. the ministry monitors compliance through official language
    implementation committees quarterly progress reviews rajbhasha inspections and
    conferences while ensuring that citizens charters schemes portals and public-facing
    information are available bilingually. these measures aim to improve accessibility
    for hindi-speaking msmes enhance transparency and inclusiveness strengthen regional
    outreach especially in hindi-belt states and fulfill constitutional and administrative
    obligations without restricting the use of english where required. examples of
    grievances include non-hindi reply an msme submits an application or grievance
    in hindi to a development institute but receives a response only in english contrary
    to official language correspondence rules. bilingual documentation gap key documents
    such as annual reports scheme guidelines or notices are issued only in english
    or with incomplete hindi translations limiting accessibility for hindi-speaking
    stakeholders. training shortfall field office staff are unable to type or process
    files in hindi despite mandated hindi software and training provisions causing
    delays in rajbhasha compliance. portal language issue hindi versions of portals
    like udyam or champions contain missing pages partial translations or technical
    glitches preventing rural or hindi-only users from completing registrations or
    filing grievances. awareness and communication lapse regional msmes are not informed
    in hindi about official language conferences workshops or policy updates leading
    to missed participation and reduced stakeholder engagement.
  - UAM/Udyam Registration/Certificate related issues. Issues in Updating Latitude
    and Longitude Details (Technical). this category covers grievances related to
    technical issues encountered while entering or updating the latitude and longitude
    coordinates of the enterprise location in the udyam registration system. these
    coordinates are used to identify the geographic location of the enterprise and
    are sometimes required when updating address information or completing registration
    details. grievances under this category usually arise when the portal does not
    accept the latitude and longitude values entered by the user or when technical
    errors prevent the coordinates from being saved. users may report that the location
    detection feature does not function properly that the system repeatedly shows
    errors while entering coordinates or that the map interface does not load correctly.
    in some cases entrepreneurs may also face issues when the location selected on
    the map does not match their actual address or when the coordinates fail to update
    despite repeated attempts. these grievances are typically raised by msme owners
    proprietors partners directors or authorized representatives who are attempting
    to update enterprise location details in the registration system. small business
    owners completing registration updates themselves may encounter technical difficulties
    while entering location coordinates. similarly consultants accountants or administrative
    staff who assist enterprises with registration or profile updates may submit grievances
    if the portal prevents them from completing the required location information
    due to technical errors.
- source_sentence: sub fake udyam assist certificate udyam-i-ts-i2- <NUM> generated-
    reg. dear sir i am sage arun kumar would like to inform you that someone has generated
    udyam assist certificate vide no. udyam-i-ts-i2- <NUM> registration date <NUM>
    - <NUM> - <NUM> on my name without my knowledge intimation. i received a text
    message on <NUM> - <NUM> - <NUM> to my mobile no. <phone_no> stating that udyam
    certificate is generated. i was shocked and when i checked in udyam portal the
    certificate was generated on my name sage arun kumar. as per the certificate the
    details are as mentioned below name sage arun kumar enterprise type - micro major
    activity-services. dob <NUM> - <NUM> - <NUM> social category general issue retrieval
    of fake udyam assist certificate context the user is reporting that a fake udyam
    assist certificate udyam-i-ts-i2- <NUM> was generated on their name without their
    knowledge or intimation. details - certificate no udyam-i-ts-i2- <NUM> name sage
    arun kumar enterprise type micro major activity services date of birth <NUM> -
    <NUM> - <NUM> social category general certificate generation date <NUM> - <NUM>
    - <NUM> notification date <NUM> - <NUM> - <NUM>
  sentences:
  - Policy and Schemes. PM Vishwakarma. the pm vishwakarma category encompasses the
    registration skill certification and benefit disbursal processes for artisans
    and craftspeople. the system aims to provide easy registration skill certification
    toolkit incentives credit support and strong market linkage. however operational
    issues eligibility interpretation challenges and bank coordination failures lead
    to breakdowns at the stages of registration certification benefit disbursal and
    bank linkage. common grievance scenarios registration stuck at pending verification
    applicants may experience delays in the registration process with applications
    remaining stuck at pending verification for <NUM> days without any response from
    the local officer. aadhaar-based registration failures aadhaar-based registration
    may fail due to occupation mismatch despite the individual being a traditional
    carpenter for <NUM> years. non-receipt of toolkit incentives artisans and craftspeople
    may not receive the toolkit incentive despite completing skill training and assessment.
    bank refusal of pm vishwakarma loans banks may refuse to provide pm vishwakarma
    loans due to unclear scheme guidelines. incorrect trade listing trades eligible
    under the scheme may not be listed correctly in the portal s dropdown options.
    operational procedural policy and institutional causes operational
  - Technology, Quality and Institutions. Related to NSIC. this category encompasses
    grievances related to the support and facilitation services provided by the national
    small industries corporation nsic to micro small and medium enterprises msmes
    . the scope of this category includes issues arising from the areas of raw material
    assistance market access and risk mitigation through guarantees. specifically
    it covers situations where approved raw material assistance is not released on
    time supplier coordination fails after nsic approval material supplied through
    nsic is delayed or does not meet specifications or documentation and regional
    office processes stall procurement. the category also captures failures in marketing
    support including - delayed or missing inclusion in tenders gem or psu vendor
    listings - late communication of bid opportunities - problems in nsic-sponsored
    exhibitions or buyer-connect programs additionally it includes issues related
    to performance and emd guarantees such as - delayed issuance - incorrect formats
    - non-renewal despite payment - rejection by psus - lack of response when guarantees
    are invoked these grievances typically result in missed orders blocked working
    capital contract delays or loss of business credibility and arise from execution
    coordination or service delivery breakdowns rather than policy interpretation.
    the category is further divided into the following subcategories <NUM> . corporate
    communication single point registration scheme and exhibition consortia and tender
    marketing <NUM> . internal audit and law recovery <NUM> . human resource <NUM>
    . vigilance law recovery <NUM> . international cooperation <NUM> . bank guarantee
    monitoring <NUM> . finance accounts <NUM> . national sc st hub <NUM> . chief vigilance
    officer <NUM> . contract procurement grievance officer <NUM> . digital services
    facilitation and training <NUM> .space marketing cell event management cell <NUM>
    .raw material assistance bank guarantee bill discounting bank tieup csr administration
    <NUM> .technology liaison officer for sc st pwd cmr <NUM> .epf trust superannuation
    pension trust <NUM> .center public information officers cpio <NUM> .company secretary
  - UAM/Udyam Registration/Certificate related issues. Existing / Unauthorized UDYAM
    Registration Against PAN. this category includes grievances related to updating
    or correcting the email id or mobile number associated with an existing udyam
    registration. contact details provided during registration are used for communication
    verification and authentication when accessing the enterprise profile on the portal.
    if these contact details become outdated incorrect or inaccessible the enterprise
    owner may face difficulty receiving otps accessing the portal or managing the
    registration information. common grievances under this category include requests
    to change the registered mobile number or email address because the original number
    is no longer active the sim card has been lost the email account is no longer
    accessible or the contact details were entered incorrectly during registration.
    some complaints arise when the registered contact details belong to an employee
    or consultant who is no longer associated with the enterprise preventing the current
    owner from receiving verification messages. in other cases entrepreneurs report
    that they cannot update contact details because the system requires authentication
    through the old mobile number or email which they no longer have access to. these
    grievances are typically raised by msme owners proprietors partners directors
    of companies or authorized representatives responsible for managing business registrations.
    small business owners who registered their enterprise personally may request updates
    when their phone number or email changes. in some cases accountants consultants
    or administrative staff handling compliance activities may also submit grievances
    when they cannot access the registration due to outdated contact details. this
    category therefore represents issues related specifically to correcting or updating
    communication details associated with an existing udyam certificate.
- source_sentence: as per the attached letter issue request for reference to attached
    letter context the user is requesting reference to the attached letter for further
    details. details - attached with application
  sentences:
  - Technology, Quality and Institutions. Testing, Quality, Testing Center. this category
    encompasses grievances related to msmes micro small and medium enterprises inability
    to access utilize or rely on government-recognized testing calibration inspection
    or certification services required for regulatory compliance tenders gem listing
    or exports. the category covers a range of issues including delays in the issuance
    of test reports despite samples being submitted and fees paid denial or non-issuance
    of quality or conformity certificates without clear reasons difficulties accessing
    testing or calibration facilities due to - capacity constraints - administrative
    refusal - non-functional equipment procedural and system-level barriers such as
    - unclear or changing documentation requirements - portal mismatches - fees paid
    but testing not scheduled situations where business losses occur due to market
    access being blocked due to pending testing or certification at authorized labs
    or msme testing centers. example issues include testing completed and fees paid
    but test report is not issued even after many weeks quality certification was
    rejected without written reasons despite compliance with guidelines testing center
    is refusing to accept samples citing workload while deadlines are approaching
    fees paid online but testing not scheduled due to portal or procedural issues
    tender or export shipment is blocked because the required test certificate is
    still pending at the testing lab. the purpose of this category is to capture grievances
    related to the operational procedural policy or institutional causes that hinder
    msmes access to government-recognized testing calibration inspection or certification
    services. the category aims to identify and address the root causes of these issues
    including capacity constraints at testing facilities inade
  - Technology, Quality and Institutions. Related to MSME-DFO. this category encompasses
    grievances related to field-level execution failures at msme development facilitation
    offices dfos which are responsible for facilitating msme schemes loans subsidies
    and services. the scope of this category includes field-level execution failures
    non-responsive dfo officers failure to provide guidance on documentation or procedures
    inaction on queries submitted through champions or physical visits inspection
    delays or inconsistencies postponed or repeatedly rescheduled site visits delayed
    inspection reports unnecessary multiple inspections that stall loan disbursement
    or subsidy release local facilitation and coordination failures misrouting of
    applications between offices lack of facilitation for land or utilities approvals
    unavailability of promised local support services poor coordination between dfos
    banks psus and state nodal officers resulting in projects remaining stuck despite
    eligibility or prior approvals example issues dfo officials not responding to
    phone calls or emails regarding subsidy applications with no guidance provided
    on required documents on-site inspection for msme projects pending for several
    months blocking bank loan disbursement inspection scheduled multiple times but
    cancelled without notice with the inspection report still not issued applications
    being sent from one local office to another by the dfo without clear instructions
    or responsibility lack of coordination between dfo and bank delaying loan sanction
    even after project verification operational procedural policy or institutional
    causes inadequate communication and coordination between dfos banks psus and state
    nodal officers inefficient documentation and procedure guidance inaction
  - Others. Others. this category includes udyam uam registration grievances that
    cannot be clearly classified under the defined technical categories. it covers
    complaints where the grievance description or technical summary is invalid incomplete
    irrelevant vague or lacks sufficient details to identify the specific issue. examples
    include unclear statements such as udyam not working submissions without key identifiers
    like urn or pan queries unrelated to registration processes such as scheme eligibility
    or bank loan inquiries foreign language submissions without translation or attachments
    shared without proper explanation. the others category ensures that such unclassifiable
    grievances are not ignored or abandoned. instead they are flagged for manual review
    and preliminary assessment. during this process reviewers attempt to understand
    the issue request additional information if necessary and determine whether the
    grievance can be redirected to a relevant category or requires further technical
    attention. this approach helps maintain continuity in grievance handling by allowing
    submissions that do not initially meet classification standards to still enter
    the review system. it also supports data quality by encouraging clarification
    and correction of incomplete inputs. by enabling manual triage and follow-up the
    others category helps ensure that stakeholders receive appropriate guidance and
    that legitimate concerns are eventually directed to the correct resolution pathway
    reducing repeated or misclassified submissions.
- source_sentence: banks deny <NUM> interest subvention under the scheme for my incremental
    loan saying my turnover growth doesn t qualify despite meeting criteria. without
    this finance relief high rates kill my starter profits. enforce scheme benefits
    for new borrowers. issue non-disbursement of <NUM> interest subvention under interest
    subvention scheme for incremental credit to msmes <NUM> context the user is reporting
    that banks are denying the <NUM> interest subvention under the scheme for their
    incremental loan citing that the turnover growth does not qualify despite meeting
    the criteria and is requesting enforcement of scheme benefits for new borrowers.
    details - scheme interest subvention scheme for incremental credit to msmes <NUM>
    claim denied <NUM> interest subvention reason turnover growth not qualifying despite
    meeting criteria
  sentences:
  - Technology, Quality and Institutions. Related to Tool Rooms. this category encompasses
    grievances related to the operational and technical services provided by government-supported
    msme tool rooms. the scope includes issues with access to machinery prototyping
    facilities manufacturing support and skill-development or training programs. key
    areas of concern include unavailability of machine time despite confirmed bookings
    equipment under maintenance or frequent breakdowns high-demand machines consistently
    overbooked infrastructure promised for msme production support not accessible
    when required delays cancellations or poor execution of technical training programs
    non-availability of trainers or technical experts mismatch between published and
    actual service fees lack of transparency during machine usage or training delivery
    these grievances directly impact production timelines project execution and workforce
    upskilling. they arise from service delivery and operational failures rather than
    administrative management or policy interpretation. example issues include cnc
    machine booked and confirmed but under maintenance upon arrival resulting in a
    two-week production delay 3d printing and prototyping facilities shown as available
    online but fully occupied upon arrival training program for advanced machining
    postponed multiple times due to trainer unavailability affecting project schedules
    higher machine usage fees charged than those mentioned in the official tool room
    rate card additional material and service charges demanded during machine access
    despite full online pre-payment the operational procedural and institutional causes
    of these grievances include inadequate maintenance and equipment management insufficient
    capacity or resource allocation poor communication and transparency inefficient
    service delivery processes lack of clear policies and procedures inadequate training
    and capacity building for trainers and technical experts the impact of these grievances
    on users systems eligibility or implementation includes del
  - Starter, Credit and Finance. Interest Subvention Scheme for Incremental Credit
    to MSMEs 2018. the interest subvention scheme for incremental credit to msmes
    <NUM> is a financial relief initiative of the ministry of micro small and medium
    enterprises introduced to reduce the cost of formal credit for micro and small
    enterprises by providing an interest relief of <NUM> per annum on fresh or incremental
    term loans and working capital facilities subject to an aggregate cap of <NUM>
    crore per enterprise. the scheme applies to gst-registered and udyam-registered
    msmes that availed eligible credit from scheduled commercial banks later extended
    to co-operative banks and select nbfcs with operational support and reimbursement
    routed through the small industries development bank of india. implemented initially
    during fy <NUM> <NUM> with a dedicated budgetary allocation the scheme aimed to
    incentivize formalization through gst and udyam registration lower effective borrowing
    costs support working capital needs and capacity expansion in manufacturing and
    service msmes and aid recovery during periods of economic stress without imposing
    additional collateral requirements. although beneficial in intent several operational
    issues were reported by stakeholders. examples of grievances include cases where
    eligible msmes were denied the <NUM> interest relief because banks classified
    incremental credit as non-fresh despite being sanctioned in the eligible financial
    year prolonged delays of several months in processing and reimbursement of quarterly
    subvention claims by lending institutions or the nodal agency adversely impacting
    enterprise cash flows partial grant of subvention where aggregate borrowings from
    multiple banks exceeded the <NUM> crore ceiling even though individual loans were
    otherwise eligible exclusion of loans disbursed by certain lenders during initial
    phases of the scheme leading to disputes over retrospective applicability and
    post-disbursal verification issues such as gst data mismatches resulting in recovery
    or clawback of already credited subvention amounts compelling msmes to approach
    bank grievance cells or ministry-level redressal mechanisms for resolution.
  - Technology, Quality and Institutions. Design clinic Scheme - an NMCP Scheme. the
    design clinic scheme under the national manufacturing competitiveness programme
    nmcp is an initiative of the ministry of micro small and medium enterprises implemented
    through the national institute of design ahmedabad to integrate professional design
    expertise into msme operations and promote innovation-driven manufacturing. the
    scheme supports msmes that are new to structured design interventions by funding
    projects related to product design process improvement packaging ergonomics branding
    and prototype development. financial assistance is provided in the form of grants
    covering up to <NUM> of the approved project cost subject to a maximum of <NUM>
    lakh for individual enterprises or small groups and up to <NUM> lakh for larger
    group projects while student-led design projects supervised by recognized design
    institutions are supported up to <NUM> of the cost with a ceiling of <NUM> . <NUM>
    lakh. through design clinics workshops and expert mentoring delivered via regional
    centers the scheme helps msmes enhance product quality improve market appeal support
    new product launches strengthen export competitiveness and transition from contract
    manufacturing to original design manufacturing with higher value addition. examples
    of common grievances under the design clinic scheme include subsidy cap limitation
    an msme undertakes a comprehensive packaging and branding redesign costing <NUM>
    lakh but receives reimbursement only up to the maximum admissible limit leaving
    a significant portion self-funded. designer eligibility rejection a mutually agreed
    design consultant is later declared ineligible because the firm is not empanelled
    forcing the msme to restart the project selection process. reimbursement delays
    despite timely submission of completion reports and utilization certificates the
    approved grant is delayed for several months affecting the msme s cash flow. student
    project funding gap a student-led prototype development project incurs higher
    costs but reimbursement is restricted to the capped percentage creating a shortfall
    for the participating msme or institution. regional support gaps msmes in remote
    or northeastern regions report lack of promised workshops clinics or facilitation
    support from nearby implementing or outreach centers limiting access to scheme
    benefits.
- source_sentence: loanagreement no isbl00910729978dated26- <NUM> - <NUM> loan payment
    is pending since <NUM> sep <NUM> . hdfc bank has returned the cheque stating it
    as alteration under rbi guidelines. pli and nodal agencies contact numbers are
    found out of service. i am unable to connect with them. i have attached the loan
    agreement pdf for reference. please support to get the resolution as it is pending
    since <NUM> sep <NUM> . issue non-receipt of loan payment under dcmsme scheme
    context the user is reporting non-receipt of loan payment since <NUM> <NUM> <NUM>
    citing hdfc bank s return of cheque as alteration under rbi guidelines and requesting
    assistance in resolving the issue. details - loan agreement no isbl00910729978
    loan agreement date <NUM> <NUM> <NUM> cheque return reason alteration under rbi
    guidelines attached with application
  sentences:
  - Policy and Schemes. Related to GST. this category encompasses grievances related
    to operational and procedural frictions under the goods and services tax gst framework
    that directly affect micro small and medium enterprises msmes cash flow invoicing
    and day-to-day business continuity. the category includes the following subcategories
    <NUM> . gst registration issues applications remaining pending verification pan-gst
    name mismatches leading to rejection confusion arising during migration from uam
    udyam-linked records to gst rejection of registration due to pan and gst name
    mismatch non-response from portal support <NUM> . gst refund delays eligible refunds
    especially export-related input tax credit not disbursed within reasonable timelines
    despite correct filings refund status shows processed without actual credit due
    to backend mismatches delayed disbursement of input tax credit refunds for export
    sales refund status shows processed but no amount has been credited due to backend
    mismatch <NUM> . input tax credit itc blockages credits not reflecting because
    supplier invoices are missing on the portal invoices being wrongly flagged as
    ineligible itc reversals triggered by hsn mismatches or delayed supplier compliance
    supplier invoices not reflecting on the gst portal forcing msmes to pay tax from
    their own funds the category primarily captures operational rather than legal
    grievances. while champions does not adjudicate tax disputes it acts as an escalation
    and coordination channel with gstn or relevant tax authorities to resolve delays
    portal errors and process breakdowns impacting msmes. the purpose of this category
    is to address the following - resolve gst registration issues
  - Technology, Quality and Institutions. Related to Scheme of KVIC. this category
    encompasses grievances related to schemes subsidies certifications and implementation
    processes administered by the khadi village industries commission kvic and its
    implementing authorities including state kvic and district industries centre dic
    offices. it specifically addresses issues that originate from kvic or its field-level
    offices excluding problems solely with banks generic msme schemes or non-kvic
    authorities. the category covers a range of issues including <NUM> . delays or
    failures in the release of pmegp margin money subsidies where loans have already
    been sanctioned and units have been set up but kvic has not credited the subsidy
    to the bank due to pending portal actions physical verification delays repeated
    document objections or prolonged under process status without timelines. <NUM>
    . grievances related to khadi subsidies including non-release partial release
    or unexplained reduction of admissible subsidy amounts stoppage of subsidy citing
    non-compliance without sharing inspection reports deviations from prescribed scheme
    norms in determining subsidy eligibility or quantum <NUM> . issues related to
    kvic certification and registration including pending or delayed issuance of khadi
    certificates cancellation of certification without prior notice or stated reasons
    inspection-related delays without clarification delayed renewal of certificates
    that directly affect eligibility for subsidies tenders and market access subcategories
    <NUM> . providing financial assistance to set up new enterprises under pmegp <NUM>
    . providing insurance cover to khadi artisans under aam admi bima yojana <NUM>
    . providing financial assistance to khadi institutions under mda <NUM> . workshed
    scheme for khadi artisans <NUM> . loans under interest subsidy eligibility certificate
    scheme isec <NUM> . mission solar charkha
  - Policy and Schemes. Related to DCMSME Scheme. this category is related to grievances
    under the dcmsme scheme specifically focusing on issues related to access to credit
    from banks for micro small and medium enterprises msmes . the category applies
    to commercial banks regional rural banks rrbs and cooperative banks and covers
    cases where the bottleneck lies entirely at the bank level. it excludes issues
    related to rbi policy government scheme design credit guarantee mechanisms or
    buyer default but rather addresses bank-side processing conditions or conduct
    in extending credit to msmes. the category includes cases where msmes have applied
    for loans submitted required documents and followed up through branches or digital
    portals but the loan application remains pending without a formal sanction or
    rejection decision. it captures administrative stalling such as prolonged under
    process or pending for verification status absence of deficiency letters or timelines
    repeated demands for already-submitted documents and failure of branch offices
    to forward eligible applications to regional or head offices for approval. additionally
    the category covers situations where loans have been formally sanctioned but disbursement
    is delayed or withheld by the bank without valid or documented reasons. it includes
    cases of prolonged non-disbursement despite fulfilment of sanction conditions
    partial disbursement with unexplained withholding of the balance amount delays
    citing internal audits or reviews and imposition of additional post-sanction conditions
    that were not mentioned in the original sanction letter. the category also includes
    grievances related to excessive or unreasonable collateral demands by banks where
    security requirements exceed applicable msme rbi or cgtmse guidelines. this includes
    insistence on collateral despite eligibility for credit guarantee coverage demands
    for disproportionate collateral value rejection of loan applications solely due
    to refusal to provide personal or residential property as security and requirements
    for subcategories <NUM> . tcec division for implementation of the scheme establishement
    of new technology centres extension centres <NUM> . economic analysis <NUM> .
    statistics data division <NUM> . national awards <NUM> . entrepreneurship skill
    development programmes esdp <NUM> . vendor development programme for ancillarisation
    <NUM> . export promotion wto <NUM> . msme policy industry associations related
    issues <NUM> .software related <NUM> . zero defect zero effect zed <NUM> .technology
    center system program tcsp <NUM> . north east region cell ner promotion of msmes
    in ner and sikkim <NUM> .international trade fair itf and international cooperation
    ic <NUM> .support for entrepreneurial and managerial development of smes through
    incubators- an nmcp scheme <NUM> .building awareness on intellectual property
    rights ipr for the micro small medium enterprises- an nmcp scheme <NUM> .lean
    manufacturing competitiveness scheme lmcs <NUM> . design clinic scheme - an nmcp
    scheme <NUM> . pms scheme <NUM> . technology and quality upgradation tequp support
    to msmes- an nmcp scheme <NUM> . digital msme - an nmcp scheme <NUM> .micro small
    enterprises cluster development programme mse-cdp <NUM> .credit linked capital
    subsidy for technology upgradation clcs- tu special clcs for sc st <NUM> .credit
    guarantee fund for micro and smali enterprises cgtmse <NUM> . market development
    assistance mda to msmes
pipeline_tag: sentence-similarity
library_name: sentence-transformers
metrics:
- pearson_cosine
- spearman_cosine
model-index:
- name: SentenceTransformer based on sentence-transformers/all-mpnet-base-v2
  results:
  - task:
      type: semantic-similarity
      name: Semantic Similarity
    dataset:
      name: Unknown
      type: unknown
    metrics:
    - type: pearson_cosine
      value: .nan
      name: Pearson Cosine
    - type: spearman_cosine
      value: .nan
      name: Spearman Cosine
---

# SentenceTransformer based on sentence-transformers/all-mpnet-base-v2

This is a [sentence-transformers](https://www.SBERT.net) model finetuned from [sentence-transformers/all-mpnet-base-v2](https://huggingface.co/sentence-transformers/all-mpnet-base-v2). It maps sentences & paragraphs to a 768-dimensional dense vector space and can be used for semantic textual similarity, semantic search, paraphrase mining, text classification, clustering, and more.

## Model Details

### Model Description
- **Model Type:** Sentence Transformer
- **Base model:** [sentence-transformers/all-mpnet-base-v2](https://huggingface.co/sentence-transformers/all-mpnet-base-v2) <!-- at revision e8c3b32edf5434bc2275fc9bab85f82640a19130 -->
- **Maximum Sequence Length:** 128 tokens
- **Output Dimensionality:** 768 dimensions
- **Similarity Function:** Cosine Similarity
<!-- - **Training Dataset:** Unknown -->
<!-- - **Language:** Unknown -->
<!-- - **License:** Unknown -->

### Model Sources

- **Documentation:** [Sentence Transformers Documentation](https://sbert.net)
- **Repository:** [Sentence Transformers on GitHub](https://github.com/huggingface/sentence-transformers)
- **Hugging Face:** [Sentence Transformers on Hugging Face](https://huggingface.co/models?library=sentence-transformers)

### Full Model Architecture

```
SentenceTransformer(
  (0): Transformer({'max_seq_length': 128, 'do_lower_case': False, 'architecture': 'MPNetModel'})
  (1): Pooling({'word_embedding_dimension': 768, 'pooling_mode_cls_token': False, 'pooling_mode_mean_tokens': True, 'pooling_mode_max_tokens': False, 'pooling_mode_mean_sqrt_len_tokens': False, 'pooling_mode_weightedmean_tokens': False, 'pooling_mode_lasttoken': False, 'include_prompt': True})
  (2): Normalize()
)
```

## Usage

### Direct Usage (Sentence Transformers)

First install the Sentence Transformers library:

```bash
pip install -U sentence-transformers
```

Then you can load this model and run inference.
```python
from sentence_transformers import SentenceTransformer

# Download from the 🤗 Hub
model = SentenceTransformer("sentence_transformers_model_id")
# Run inference
sentences = [
    'loanagreement no isbl00910729978dated26- <NUM> - <NUM> loan payment is pending since <NUM> sep <NUM> . hdfc bank has returned the cheque stating it as alteration under rbi guidelines. pli and nodal agencies contact numbers are found out of service. i am unable to connect with them. i have attached the loan agreement pdf for reference. please support to get the resolution as it is pending since <NUM> sep <NUM> . issue non-receipt of loan payment under dcmsme scheme context the user is reporting non-receipt of loan payment since <NUM> <NUM> <NUM> citing hdfc bank s return of cheque as alteration under rbi guidelines and requesting assistance in resolving the issue. details - loan agreement no isbl00910729978 loan agreement date <NUM> <NUM> <NUM> cheque return reason alteration under rbi guidelines attached with application',
    'Policy and Schemes. Related to DCMSME Scheme. this category is related to grievances under the dcmsme scheme specifically focusing on issues related to access to credit from banks for micro small and medium enterprises msmes . the category applies to commercial banks regional rural banks rrbs and cooperative banks and covers cases where the bottleneck lies entirely at the bank level. it excludes issues related to rbi policy government scheme design credit guarantee mechanisms or buyer default but rather addresses bank-side processing conditions or conduct in extending credit to msmes. the category includes cases where msmes have applied for loans submitted required documents and followed up through branches or digital portals but the loan application remains pending without a formal sanction or rejection decision. it captures administrative stalling such as prolonged under process or pending for verification status absence of deficiency letters or timelines repeated demands for already-submitted documents and failure of branch offices to forward eligible applications to regional or head offices for approval. additionally the category covers situations where loans have been formally sanctioned but disbursement is delayed or withheld by the bank without valid or documented reasons. it includes cases of prolonged non-disbursement despite fulfilment of sanction conditions partial disbursement with unexplained withholding of the balance amount delays citing internal audits or reviews and imposition of additional post-sanction conditions that were not mentioned in the original sanction letter. the category also includes grievances related to excessive or unreasonable collateral demands by banks where security requirements exceed applicable msme rbi or cgtmse guidelines. this includes insistence on collateral despite eligibility for credit guarantee coverage demands for disproportionate collateral value rejection of loan applications solely due to refusal to provide personal or residential property as security and requirements for subcategories <NUM> . tcec division for implementation of the scheme establishement of new technology centres extension centres <NUM> . economic analysis <NUM> . statistics data division <NUM> . national awards <NUM> . entrepreneurship skill development programmes esdp <NUM> . vendor development programme for ancillarisation <NUM> . export promotion wto <NUM> . msme policy industry associations related issues <NUM> .software related <NUM> . zero defect zero effect zed <NUM> .technology center system program tcsp <NUM> . north east region cell ner promotion of msmes in ner and sikkim <NUM> .international trade fair itf and international cooperation ic <NUM> .support for entrepreneurial and managerial development of smes through incubators- an nmcp scheme <NUM> .building awareness on intellectual property rights ipr for the micro small medium enterprises- an nmcp scheme <NUM> .lean manufacturing competitiveness scheme lmcs <NUM> . design clinic scheme - an nmcp scheme <NUM> . pms scheme <NUM> . technology and quality upgradation tequp support to msmes- an nmcp scheme <NUM> . digital msme - an nmcp scheme <NUM> .micro small enterprises cluster development programme mse-cdp <NUM> .credit linked capital subsidy for technology upgradation clcs- tu special clcs for sc st <NUM> .credit guarantee fund for micro and smali enterprises cgtmse <NUM> . market development assistance mda to msmes',
    'Technology, Quality and Institutions. Related to Scheme of KVIC. this category encompasses grievances related to schemes subsidies certifications and implementation processes administered by the khadi village industries commission kvic and its implementing authorities including state kvic and district industries centre dic offices. it specifically addresses issues that originate from kvic or its field-level offices excluding problems solely with banks generic msme schemes or non-kvic authorities. the category covers a range of issues including <NUM> . delays or failures in the release of pmegp margin money subsidies where loans have already been sanctioned and units have been set up but kvic has not credited the subsidy to the bank due to pending portal actions physical verification delays repeated document objections or prolonged under process status without timelines. <NUM> . grievances related to khadi subsidies including non-release partial release or unexplained reduction of admissible subsidy amounts stoppage of subsidy citing non-compliance without sharing inspection reports deviations from prescribed scheme norms in determining subsidy eligibility or quantum <NUM> . issues related to kvic certification and registration including pending or delayed issuance of khadi certificates cancellation of certification without prior notice or stated reasons inspection-related delays without clarification delayed renewal of certificates that directly affect eligibility for subsidies tenders and market access subcategories <NUM> . providing financial assistance to set up new enterprises under pmegp <NUM> . providing insurance cover to khadi artisans under aam admi bima yojana <NUM> . providing financial assistance to khadi institutions under mda <NUM> . workshed scheme for khadi artisans <NUM> . loans under interest subsidy eligibility certificate scheme isec <NUM> . mission solar charkha',
]
embeddings = model.encode(sentences)
print(embeddings.shape)
# [3, 768]

# Get the similarity scores for the embeddings
similarities = model.similarity(embeddings, embeddings)
print(similarities)
# tensor([[1.0000, 0.5738, 0.4289],
#         [0.5738, 1.0000, 0.5811],
#         [0.4289, 0.5811, 1.0000]])
```

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## Evaluation

### Metrics

#### Semantic Similarity

* Evaluated with [<code>EmbeddingSimilarityEvaluator</code>](https://sbert.net/docs/package_reference/sentence_transformer/evaluation.html#sentence_transformers.evaluation.EmbeddingSimilarityEvaluator)

| Metric              | Value   |
|:--------------------|:--------|
| pearson_cosine      | nan     |
| **spearman_cosine** | **nan** |

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## Training Details

### Training Dataset

#### Unnamed Dataset

* Size: 90 training samples
* Columns: <code>sentence_0</code> and <code>sentence_1</code>
* Approximate statistics based on the first 90 samples:
  |         | sentence_0                                                                           | sentence_1                                                                           |
  |:--------|:-------------------------------------------------------------------------------------|:-------------------------------------------------------------------------------------|
  | type    | string                                                                               | string                                                                               |
  | details | <ul><li>min: 33 tokens</li><li>mean: 116.86 tokens</li><li>max: 128 tokens</li></ul> | <ul><li>min: 128 tokens</li><li>mean: 128.0 tokens</li><li>max: 128 tokens</li></ul> |
* Samples:
  | sentence_0                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               | sentence_1                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               |
  |:---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|:---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
  | <code>the msme portal software keeps crashing during udyam registration renewal and scheme applications with error messages and failed uploads every time i try. support team gives no help and i can t access my digital certificates or track status. this software glitch blocks my business from government benefits and loans. please fix the bugs improve server speed and add better error guides right away. issue software glitch in msme portal during udyam registration renewal and scheme applications context the user is reporting frequent crashes of the msme portal software during udyam registration renewal and scheme applications resulting in failed uploads error messages and inability to access digital certificates or track status which is hindering business access to government benefits and loans. details - software msme portal software issue frequent crashes during udyam registration renewal and scheme applications error messages failed uploads and error messages impact inability to access dig...</code> | <code>Technology, Quality and Institutions. Software Related. software-related initiatives for msmes mainly center on the digital msme scheme under the national manufacturing competitiveness programme which promotes adoption of information and communication technologies through cloud-based erp crm and accounting software to digitalize day-to-day business operations. the scheme combines awareness workshops needs assessment and financial support in the form of subsidies covering about <NUM> <NUM> of eligible costs subject to a ceiling of <NUM> lakh over two years specifically targeting micro and small enterprises. these initiatives are reinforced by complementary efforts such as software-enabled facilities under technology centre programmes for electronics and esdm sectors digital quality and process parameters under zed certification and software-focused modules within entrepreneurship and skill development programmes. together these measures aim to standardize workflows automate inventory fi...</code> |
  | <code>msme scheme guidelines and forms under official language policy are only in hindi or poorly translated english making it hard for me to understand eligibility and apply correctly. i keep making errors in submissions because of confusing language and staff reject them without clear explanations. please provide all msme documents in simple english or bilingual format to help non-hindi speakers like me access schemes easily. issue non-availability of msme scheme guidelines and forms in simple english context the user is reporting difficulty in understanding the eligibility and applying for msme schemes due to the availability of guidelines and forms only in hindi or poorly translated english and is requesting provision of these documents in simple english or bilingual format to facilitate access for non-hindi speakers. details - language issue msme scheme guidelines and forms available only in hindi or poorly translated english request provision of documents in simple english or bilingual...</code> | <code>Technology, Quality and Institutions. Official Language Related Issues. official language related issues in msme administration concern the implementation of hindi rajbhasha in accordance with the official languages act <NUM> as amended across the ministry of msme its development institutes field offices and attached organizations. this framework mandates progressive use of hindi in official work bilingual hindi english documentation replies in hindi to communications received in hindi availability of hindi-enabled software on computers and regular training in hindi typing and computing for officials. the ministry monitors compliance through official language implementation committees quarterly progress reviews rajbhasha inspections and conferences while ensuring that citizens charters schemes portals and public-facing information are available bilingually. these measures aim to improve accessibility for hindi-speaking msmes enhance transparency and inclusiveness strengthen regional ou...</code> |
  | <code>dear sir my uam <udyam_no> has already cancelled but unable to register new firm through my aadhar number <NUM> - <NUM> - <NUM> kindly delete my aadhar number or suggest to how register new firm with same aadhar number issue deletion of aadhar number from udyam registration system context the user is requesting deletion of the aadhar number from the udyam registration system as it is associated with a cancelled udyam registration number and is unable to register a new firm using the same aadhar number. details - udyam registration number udyam-ap- <NUM> - <NUM> aadhar number <NUM> - <NUM> - <NUM></code>                                                                                                                                                                                                                                                                                                                                                                                                                 | <code>UAM/Udyam Registration/Certificate related issues. After Cancellation, Unable to Register with PAN Details (Technical). this category refers to grievances where an entrepreneur is unable to create a new udyam registration using their pan after an earlier registration has already been cancelled. in such situations the system may continue to recognize the pan as already associated with an existing registration preventing the user from completing a new registration. grievances under this category generally occur when an enterprise previously cancelled its registration due to closure incorrect details or duplication and later attempts to register again using the same pan. users may report that the system still displays a message indicating that a registration already exists for that pan even though the earlier registration was cancelled. some entrepreneurs also encounter errors where the portal does not allow them to proceed with registration because the pan remains linked to the previous ...</code> |
* Loss: [<code>CachedMultipleNegativesRankingLoss</code>](https://sbert.net/docs/package_reference/sentence_transformer/losses.html#cachedmultiplenegativesrankingloss) with these parameters:
  ```json
  {
      "scale": 20.0,
      "similarity_fct": "cos_sim",
      "mini_batch_size": 32,
      "gather_across_devices": false
  }
  ```

### Training Hyperparameters
#### Non-Default Hyperparameters

- `per_device_train_batch_size`: 32
- `per_device_eval_batch_size`: 32
- `num_train_epochs`: 5
- `fp16`: True
- `multi_dataset_batch_sampler`: round_robin

#### All Hyperparameters
<details><summary>Click to expand</summary>

- `do_predict`: False
- `eval_strategy`: no
- `prediction_loss_only`: True
- `per_device_train_batch_size`: 32
- `per_device_eval_batch_size`: 32
- `gradient_accumulation_steps`: 1
- `eval_accumulation_steps`: None
- `torch_empty_cache_steps`: None
- `learning_rate`: 5e-05
- `weight_decay`: 0.0
- `adam_beta1`: 0.9
- `adam_beta2`: 0.999
- `adam_epsilon`: 1e-08
- `max_grad_norm`: 1
- `num_train_epochs`: 5
- `max_steps`: -1
- `lr_scheduler_type`: linear
- `lr_scheduler_kwargs`: None
- `warmup_ratio`: None
- `warmup_steps`: 0
- `log_level`: passive
- `log_level_replica`: warning
- `log_on_each_node`: True
- `logging_nan_inf_filter`: True
- `enable_jit_checkpoint`: False
- `save_on_each_node`: False
- `save_only_model`: False
- `restore_callback_states_from_checkpoint`: False
- `use_cpu`: False
- `seed`: 42
- `data_seed`: None
- `bf16`: False
- `fp16`: True
- `bf16_full_eval`: False
- `fp16_full_eval`: False
- `tf32`: None
- `local_rank`: -1
- `ddp_backend`: None
- `debug`: []
- `dataloader_drop_last`: False
- `dataloader_num_workers`: 0
- `dataloader_prefetch_factor`: None
- `disable_tqdm`: False
- `remove_unused_columns`: True
- `label_names`: None
- `load_best_model_at_end`: False
- `ignore_data_skip`: False
- `fsdp`: []
- `fsdp_config`: {'min_num_params': 0, 'xla': False, 'xla_fsdp_v2': False, 'xla_fsdp_grad_ckpt': False}
- `accelerator_config`: {'split_batches': False, 'dispatch_batches': None, 'even_batches': True, 'use_seedable_sampler': True, 'non_blocking': False, 'gradient_accumulation_kwargs': None}
- `parallelism_config`: None
- `deepspeed`: None
- `label_smoothing_factor`: 0.0
- `optim`: adamw_torch_fused
- `optim_args`: None
- `group_by_length`: False
- `length_column_name`: length
- `project`: huggingface
- `trackio_space_id`: trackio
- `ddp_find_unused_parameters`: None
- `ddp_bucket_cap_mb`: None
- `ddp_broadcast_buffers`: False
- `dataloader_pin_memory`: True
- `dataloader_persistent_workers`: False
- `skip_memory_metrics`: True
- `push_to_hub`: False
- `resume_from_checkpoint`: None
- `hub_model_id`: None
- `hub_strategy`: every_save
- `hub_private_repo`: None
- `hub_always_push`: False
- `hub_revision`: None
- `gradient_checkpointing`: False
- `gradient_checkpointing_kwargs`: None
- `include_for_metrics`: []
- `eval_do_concat_batches`: True
- `auto_find_batch_size`: False
- `full_determinism`: False
- `ddp_timeout`: 1800
- `torch_compile`: False
- `torch_compile_backend`: None
- `torch_compile_mode`: None
- `include_num_input_tokens_seen`: no
- `neftune_noise_alpha`: None
- `optim_target_modules`: None
- `batch_eval_metrics`: False
- `eval_on_start`: False
- `use_liger_kernel`: False
- `liger_kernel_config`: None
- `eval_use_gather_object`: False
- `average_tokens_across_devices`: True
- `use_cache`: False
- `prompts`: None
- `batch_sampler`: batch_sampler
- `multi_dataset_batch_sampler`: round_robin
- `router_mapping`: {}
- `learning_rate_mapping`: {}

</details>

### Training Logs
| Epoch | Step | spearman_cosine |
|:-----:|:----:|:---------------:|
| 1.0   | 3    | nan             |
| 2.0   | 6    | nan             |
| 3.0   | 9    | nan             |
| 4.0   | 12   | nan             |
| 5.0   | 15   | nan             |


### Framework Versions
- Python: 3.12.12
- Sentence Transformers: 5.2.3
- Transformers: 5.0.0
- PyTorch: 2.10.0+cu128
- Accelerate: 1.13.0
- Datasets: 4.0.0
- Tokenizers: 0.22.2

## Citation

### BibTeX

#### Sentence Transformers
```bibtex
@inproceedings{reimers-2019-sentence-bert,
    title = "Sentence-BERT: Sentence Embeddings using Siamese BERT-Networks",
    author = "Reimers, Nils and Gurevych, Iryna",
    booktitle = "Proceedings of the 2019 Conference on Empirical Methods in Natural Language Processing",
    month = "11",
    year = "2019",
    publisher = "Association for Computational Linguistics",
    url = "https://arxiv.org/abs/1908.10084",
}
```

#### CachedMultipleNegativesRankingLoss
```bibtex
@misc{gao2021scaling,
    title={Scaling Deep Contrastive Learning Batch Size under Memory Limited Setup},
    author={Luyu Gao and Yunyi Zhang and Jiawei Han and Jamie Callan},
    year={2021},
    eprint={2101.06983},
    archivePrefix={arXiv},
    primaryClass={cs.LG}
}
```

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