README.md

metadata

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 model finetuned from 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
• Maximum Sequence Length: 128 tokens
• Output Dimensionality: 768 dimensions
• Similarity Function: Cosine Similarity

Model Sources

• Documentation: Sentence Transformers Documentation
• Repository: Sentence Transformers on GitHub
• Hugging Face: Sentence Transformers on Hugging Face

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:

pip install -U sentence-transformers

Then you can load this model and run inference.

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]])

Evaluation

Metrics

Semantic Similarity

• Evaluated with EmbeddingSimilarityEvaluator

Metric	Value
pearson_cosine	nan
spearman_cosine	nan

Training Details

Training Dataset

Unnamed Dataset

• Size: 90 training samples
• Columns: sentence_0 and sentence_1
• Approximate statistics based on the first 90 samples:

  	sentence_0	sentence_1
  type	string	string
  details	min: 33 tokens mean: 116.86 tokens max: 128 tokens	min: 128 tokens mean: 128.0 tokens max: 128 tokens

• Samples:

  sentence_0	sentence_1
  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...	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 of eligible costs subject to a ceiling of 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...
  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...	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 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...
  dear sir my uam has already cancelled but unable to register new firm through my aadhar number - - 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- - aadhar number - -	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 ...

• Loss: CachedMultipleNegativesRankingLoss with these parameters:

  {
      "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

Click to expand

• 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: {}

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

@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

@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}
}