--- 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 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- 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- registration date - - on my name without my knowledge intimation. i received a text message on - - to my mobile 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 - - 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- was generated on their name without their knowledge or intimation. details - certificate no udyam-i-ts-i2- name sage arun kumar enterprise type micro major activity services date of birth - - social category general certificate generation date - - notification date - - 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 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 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 . corporate communication single point registration scheme and exhibition consortia and tender marketing . internal audit and law recovery . human resource . vigilance law recovery . international cooperation . bank guarantee monitoring . finance accounts . national sc st hub . chief vigilance officer . contract procurement grievance officer . digital services facilitation and training .space marketing cell event management cell .raw material assistance bank guarantee bill discounting bank tieup csr administration .technology liaison officer for sc st pwd cmr .epf trust superannuation pension trust .center public information officers cpio .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 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 interest subvention under interest subvention scheme for incremental credit to msmes context the user is reporting that banks are denying the 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 claim denied 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 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 per annum on fresh or incremental term loans and working capital facilities subject to an aggregate cap of 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 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 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 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 of the approved project cost subject to a maximum of lakh for individual enterprises or small groups and up to lakh for larger group projects while student-led design projects supervised by recognized design institutions are supported up to of the cost with a ceiling of . 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 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- - loan payment is pending since sep . 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 sep . issue non-receipt of loan payment under dcmsme scheme context the user is reporting non-receipt of loan payment since 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 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 . 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 . 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 . 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 . 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. . 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 . 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 . providing financial assistance to set up new enterprises under pmegp . providing insurance cover to khadi artisans under aam admi bima yojana . providing financial assistance to khadi institutions under mda . workshed scheme for khadi artisans . loans under interest subsidy eligibility certificate scheme isec . 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 . tcec division for implementation of the scheme establishement of new technology centres extension centres . economic analysis . statistics data division . national awards . entrepreneurship skill development programmes esdp . vendor development programme for ancillarisation . export promotion wto . msme policy industry associations related issues .software related . zero defect zero effect zed .technology center system program tcsp . north east region cell ner promotion of msmes in ner and sikkim .international trade fair itf and international cooperation ic .support for entrepreneurial and managerial development of smes through incubators- an nmcp scheme .building awareness on intellectual property rights ipr for the micro small medium enterprises- an nmcp scheme .lean manufacturing competitiveness scheme lmcs . design clinic scheme - an nmcp scheme . pms scheme . technology and quality upgradation tequp support to msmes- an nmcp scheme . digital msme - an nmcp scheme .micro small enterprises cluster development programme mse-cdp .credit linked capital subsidy for technology upgradation clcs- tu special clcs for sc st .credit guarantee fund for micro and smali enterprises cgtmse . 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) - **Maximum Sequence Length:** 128 tokens - **Output Dimensionality:** 768 dimensions - **Similarity Function:** Cosine Similarity ### 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- - loan payment is pending since sep . 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 sep . issue non-receipt of loan payment under dcmsme scheme context the user is reporting non-receipt of loan payment since 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 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 . tcec division for implementation of the scheme establishement of new technology centres extension centres . economic analysis . statistics data division . national awards . entrepreneurship skill development programmes esdp . vendor development programme for ancillarisation . export promotion wto . msme policy industry associations related issues .software related . zero defect zero effect zed .technology center system program tcsp . north east region cell ner promotion of msmes in ner and sikkim .international trade fair itf and international cooperation ic .support for entrepreneurial and managerial development of smes through incubators- an nmcp scheme .building awareness on intellectual property rights ipr for the micro small medium enterprises- an nmcp scheme .lean manufacturing competitiveness scheme lmcs . design clinic scheme - an nmcp scheme . pms scheme . technology and quality upgradation tequp support to msmes- an nmcp scheme . digital msme - an nmcp scheme .micro small enterprises cluster development programme mse-cdp .credit linked capital subsidy for technology upgradation clcs- tu special clcs for sc st .credit guarantee fund for micro and smali enterprises cgtmse . 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 . 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. . 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 . 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 . providing financial assistance to set up new enterprises under pmegp . providing insurance cover to khadi artisans under aam admi bima yojana . providing financial assistance to khadi institutions under mda . workshed scheme for khadi artisans . loans under interest subsidy eligibility certificate scheme isec . 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](https://sbert.net/docs/package_reference/sentence_transformer/evaluation.html#sentence_transformers.evaluation.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](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
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 ```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} } ```