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    <title>Initiatives taken to create a conducive business environment</title>
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    <description>Regulatory reform measures simplify compliance and rationalise laws, emphasise digitisation to eliminate manual forms and enable automated data flows, and decriminalise minor technical defaults. For MSMEs, key actions include the Udyam Registration online paperless system using Aadhaar and PAN, adoption of digital payments for scheme disbursement, development of portals for procurement monitoring, delayed payment redressal and grievance handling, and directing the government e marketplace to facilitate MSME access to public procurement.</description>
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