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Introduction
IDBI was established under the IDBI Act 1964 as
a wholly owned subsidiary of RBI and started
functioning on July 01, 1964.
IDBI is engaged in direct financing of the
industrial activities as well as in re-finance and
re-discounting of bills against finance made
available by commercial banks under their
various schemes.
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The objectives of this institution are
To create principal institution for long termfinance.
To coordinate the institutions working in this
field for planned development of industrialsector.
To provide technical and administrative support
to the industries.
To conduct research and development activitiesfor the benefit of
industrial sector.
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Main Functions of IDBI
IDBI coordinates between various financial institutions
who are highly involved in provide financial
assistance,promoting, and developing various industrial units.
IDBI works for the advancement of technology and other
welfare schemes to ensure economic development.
Industrial Development Bank of India acts as a catalyst
in various industrial development programs
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Soft loans for various purposes includingmodernization and under
equipment finance schemes
Sanction of foreign currency loans for import of
equipment or capital goods.
Short term working capital loans to the corporate for
meeting their working capital requirements.
Refinance to banks and other institutions against loans
granted by them.
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IDBI is the Entrepreneurship Development
Institute
Realizing that entrepreneurship development is the keyto
industrial development.
IDBI played a prime role in setting up of the
Entrepreneurship Development Institute of India forfostering
entrepreneurship in the country.
It extends financial support to various organizations in
conducting studies or surveys of relevance to
industrialdevelopment.
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Promotional activities
Bank continues to perform a wide range of promotional
activities relating to developmental programmes for new
entrepreneurs
consultancy services for small and medium
enterprises
entrepreneurship development
self-employment and wage employment
Energy Conservation, Common Quality Testing Centers
for small industries.
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Wholesale Banking services
The services that are offered under the wholesale
division are. Cash Management
Transactional services
Finance of working capital
Agro based business transactions
Trade services
Important source of income in a number of infrastructure
projects such as power, transport, telecom, railways,
roadways, and logistics and so on.
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Retail Banking Services
The retail products offered by the bank include
Housing loans
Personal loans
Securities loans Mortgage loans
Educational loans
Merchant establishment overdrafts
Holiday travel plans
Commercial property loans
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Other services
It offers some allied services and financial solutions to
cater to the target audience.
Financial product distribution
Pension fund management
Corporate and retail services
Debt management services
Another subsidiary of the Industrial Development Bank of
India is the IDBI Gilts Limited. The main services of this
segment is trading of bonds,
offering insurance, auction underwriting and so on.
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Other information
It raises funds by way of market borrowing by way of
bonds and deposits, borrowing from Govt. and RBI,
borrowing abroad in foreign currency and lines of credit.
The Net Interest Income amounted to around Rs 2166
Crores while the Net Profit amounted to around Rs 187
Crores.
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