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DR.

RAM MANOHAR LOHIYA
NATIONAL LAW
UNIVERSITY,
LUCKNOW.

SUBJECT: - ECONOMICS
ROLE OF SIDBI IN ENTERPRENEURSHIP
DEVELOPMENT

SUBMITTED TO:
SUBMITTED BY:
Dr. Mitali tiwari
HIMANSHU VERMA
ASST. PROF
NO -57

SECTION- A , ROLL

I would also like to thank all my colleagues and seniors for providing me support and material facts and figures related to this topic.M. NLU . Last but not the least.LUCKNOW -.DR.L. without which this project could not have turned into a reality. R. All the above mentioned people have very whole heartedly helped me to make this project in the present shape. . I would like to thank my parents for providing me appropriate guidance and support to prepare the project.IInd SEMESTER ACKNOWLEDGEMENT First of all. Mitali Tiwari for giving me this opportunity to make the project on such an immense topic and all the support and guidance that I have received from her. I would like to thank Dr.

. CONCLUSION 9. FUNCTIONS OF SIDBI 3. INTRODUCTION 2. NEED OF STRENGHTENING SIDBI 8.TABLE OF CONTENTS S. BUISNESS DOMAIN OF SIDBI 6. OBJECTIVE OF SIDBI 5. SCHMES OF SIDBI 7. BIBLIOGRAPHY AND WEB REFERENCES Pg. NEED OF SIDBI 4. TOPIC No 1. No.

It is an important financial institution in India with regard to entrepreneurship development. When finance is easily available. Precisely. In simple words it can be explained that the term entrepreneur was used for army leaders. The SIDBI was established as a wholly owned subsidiary of Industrial Development Bank of India (IDBI) under a special Act of the Parliament 1988 and started its operations on April 2.INTRODUCTION The word 'entrepreneur' has an interesting history and it appeared first in French. 1990. Small and Medium Enterprise (MSME) sector and for Co-ordination of the functions of the institutions engaged in similar activities. Financing and Development of the Micro. The transfusion of blood enriches the recipient but does not impoverish the donor. It is the Principal Financial Institution for the Promotion. It is managed by a team of 10 Board of Directors. In the early sixteenth century man engaged in leading military expeditions was referred to as entrepreneur. 450 crore. FUNCTIONS OF SIDBI 1. The study highlights the working of SIDBI in the promotion of entrepreneurship. Financial support from institutional sources is not only essential for the growth of industry but is perhaps even necessary for its very survival. industrial development can be accelerated as the participation. long before the emergence of any general concept of entrepreneurial function. The authorised capital of the Bank is Rs. The Small Scale Industries Development Bank of India has been a pioneer in the field of small scale industries and development of entrepreneurship in India. . finance is to industry what blood is for body and the leading financial Institutions act as blood banks to the ' large and medium scale sectors. To expand the channels for marketing the products of small scale industries sector in domestic and international markets. 1000 crore and the Paid up capital is Rs. It took over the responsibility of administering Small Industries Development Fund and National Equity Fund which were earlier administered by IDBI.

and also provides resources support to them. OTHER BASIC FUNCTION IN DETAIL Refinance to SSI: Refinancing loans and advances provided by commercial banks to small scale industrial units. SIDBI refinances loans extended by the primary lending institutions to small scale industrial units. 3. 9. to industrial concerns in the small scale sector. 8. SIDBI facilitates timely flow of credit for both term loans and working capital to SSI in collaboration with commercial banks. It grants direct assistance and refinance loans extended by primary lending institutions for financing exports of products manufactured by small scale units. Different types of loans are given to small scale industries and as per the recommendations of Nayak Committee. factoring etc. there are commercial banks with separate branches meant exclusively for small scale industries. . To expand the channels for marketing the products of Small Scale Industries (SSI) sector in domestic and international markets. 5. 7. To promote employment oriented industries especially in semi-urban areas to create more employment opportunities and thereby checking migration of people to urban areas. additional funds have been given to commercial banks for promoting more borrowings of small scale industries. SIDBI discounts and rediscounts bills arising from sale of machinery to or manufactured by industrial units in the small scale sector. 10.2. It provides services like leasing. 6. To initiate steps for technological up. SIDBI Co-Promotes state level venture funds in association with respective state government. 4. In fact.gradation and modernisation of small industries.

Trade delegations and sales cum study teams are sponsored for small scale sector under Marketing Development Assistance scheme. Under this. even hurdles arising out of financing small scale industries are being discounted. In addition to that. it helps in the procurement raw materials. The bank credit has gone up to Rs. undertakes the following activities:  Identification of potential entrepreneurs in the district. SIDBI provides long-term loan repayable in a period of 15 to 20 years with a very low rate of interest. There has been a simplified procedure for the exports of small scale industries. SIDBI undertakes with the help of other institutions marketing survey and the potentialities of small scale industries in the particular area.219 crores.5. Seed capital and also soft loan Assistance: Seed capital is provided for starting of SSI units.Discounting the bills of SSIs: Apart from discounting the bills of small scale industries.18. Other export related expenditures are borne by SIDBI. SIDBI offers assistance to exports: Direct assistance to export oriented units and also to import substituting units in the small scale sector is given the highest priority. 2. Latest packing standards and training programmes on packing for exports are also financed by SIDBI.  Providing training facility for these entrepreneurs. Non finance services: Under this scheme. the initial expenditure in starting the small scale units are being met by SIDBI. The percentage of bank credit to SSI has gone up to 17. SIDBI.  Linkage with banks for financial assistance  Follow-up and monitoring the progress Under soft loan. Products of SSI exporters are displayed in international exhibitions with the help of SIDBI. . under this scheme. Wherever possible.

a separate corporation is promoted for financing small scale industries called National Small Scale Industries Corporation. it repays to the seller and for this service it obtains a factoring commission. State Finance Corporations have been promoted for financing small scale industries. not possible within the purview of small scale industries. In fact. certain machinery are even imported from foreign countries on a deferred payment basis. this has helped them in modernizing their industry. there has been increasing demand for leasing equipment. The small scale industries have expanded their activities as lease finance institutions have enabled them to obtain costly equipment which are otherwise. 1 crore to SSI. Leasing and HP finance: In factoring services. This was started in 1995 to promote. In fact.Factoring. Leasing: After the increase in the fixed capital limit of Rs. Automatic finance scheme: . Assistance to other financial institutions: In every State. HP finance: Hire purchase financing has also helped small scale industries in acquiring machinery of a higher value. aid and ensure faster growth in small scale industries. They are under the control of respective state governments. At the national level. SIDBI finances 80% of the bills to the seller and after obtaining the remaining 20% balance.

Single window scheme: This scheme was introduced by SIDBI for providing finance to commercial banks which in turn will give all kinds of assistance to small scale industries. The creation of SIDBI has certainly improved the growth of small scale industries in the country. the holding company of SIDBI provides funds.Refinance facilities under automatic finance scheme is also provided which was initially for Rs. through which it provides Technology upgradation equipment finance. Now with the increase in the capital limit of small scale industries. For this purpose. Though this scheme is in the initial stage. . NEED OF SIDBI The best way of improving rural economy is by creating more employment through dispersal of various industrial activities so that there will be development of backward areas and at the same time improvement in the standard of living of the people. 50 lakhs. 2 crores. this will promote more new small scale industries. New ventures in different areas with high technical knowhow are encouraged under the scheme. Venture capital: Venture capital fund for the promotion of new entrepreneurs has been set up. IDBI. Modernization: The technology development which has taken place in various industries has also spread to small scale industries and to meet the requirements of technology upgradation. That is. The above object could be achieved easily by the promotion of small scale industry as it contributes nearly 40% of the manufacturing sector in the country. this finance scheme has also increased its limit to Rs. a separate fund has been set up by SIDBI. from registration units to marketing of products will be undertaken under this scheme.

2. To promote marketing of products of small scale sector. MSME sector is an important pillar of Indian economy as it contributes greatly to the growth of Indian economy with a vast network of around 3 crore units. Hence. The entire operations of IDBI connected with small scale industries are now handed over to SIDBI. Business Domain of SIDBI1 The business domain of SIDBI consists of Micro. To provide more financial assistance to small scale ancillary and tiny sector. The growth of SSI was 8. 3. Small and Medium Enterprises (MSMEs). To encourage employment oriented industries. which contribute significantly to the national economy in terms of production.000 Crores to SIDBI for various venture capital activities and company startups in 2015. 1000 crores. 5.38.sidbi. SIDBI among Top 30 Development Banks of the World 1 https://www. To upgrade technology and also undertaking modernization of small scale units. employment and exports. SIDBI's assistance also flows to the service sector including transport. To coordinate all the other institutions involved in the promotion of small scale industries. The RBI has also allocated INR 10. 4.58 lakhs. small scale industry’s contribution during 1998-99 was INR 5.43 per cent. health care.in/?q=about-sidbi . 1000 crores which can be increased to Rs. It has an employment potentiality of 171.357 crores as against INR. contributing about 45% to manufacturing output and about 40% of exports. manufacturing more than 6.65. directly and indirectly. Objectives of SIDBI 1. tourism sectors etc.171 crores in 1997-98. it is important to create an apex institution which can provide finance to small scale industries. In addition. Capital of SIDBI SIDBI has an authorised capital of Rs.In India. creating employment of about 7 crore. 4.000 products.

retail outlet. participation in trade fairs and exhibitions. National Equity Fund Scheme which provides equity support to small entrepreneurs setting up projects in Tiny Sector. Mahila Udyam Nidhi (MUN) Scheme provides equity support to women entrepreneurs for setting up projects in Tiny Sector.contracting units to acquire capital equipment. Scheme for financing activities relating to marketing of SSI products which provides assistance for undertaking various marketing related activities such as marketing research. equipment and calibrating instruments required for obtaining ISO 9000 certification. London. Equipment Finance Scheme for acquisition of machinery/equipment including Diesel Generator Sets which are not related to any specific project. establishing distribution networks including show room. audit. etc. Single Window Scheme to provide both term loan for fixed assets and loan for working capital capital through the same agency. R&D. ISO 9000 Scheme to meet the expenses on consultancy. As per the May 2001 issue of The Banker. Venture Capital Scheme to encourage SSI ventures/sub. as also requisite technology for building up of export capabilities/import substitution including cost of total quality management and acquisition of ISO-9000 certification and for expansion of capacity. wears-housing facility. advertising branding. product upgradation. SCHEMES OF SIDBI These are the schemes developed by SIDBI. village and cottage industries in Tiny Sector. documentation. certification fee.SIDBI retained its position in the top 30 Development Banks of the World in the ranking of The Banker. Technology Development & Modernisation Fund Scheme for providing finance to existing SSI units for technology upgradation/modernisation. . Composite Loan Scheme for equipment and/or working capital and also for worksheds to artisans. SIDBI ranked 25th both in terms of Capital and Assets. London.

9.Micro Credit Scheme to meet the requirement of well managed Voluntary Agencies that are in existence for at least 5 years. National Equity Fund .1997. MAJOR SCHEME Technology Development & Modernization Fund SIDBI has set up Technology Development & Modernisation Fund (TDMF) scheme for direct assistance of small sale industries to encourage existing industrial units in the sector. have a good track record and have established network and experience in small savings-cum-credit programmes with Self Help Groups (SHGs) individuals.e. (iv) Scheme for acquisition of ISO 9000 certification. Non-exporting units and units which are graduating out of SSI sector are now eligible to avail assistance under this scheme. (v) Factoring Services and (vi) Bills Re-discounting Scheme against inland supply bills of SSIs. upgradation of process technology and products with thrust on quality improvement. 50 lakhs. New Schemes (i) To enhance the export capabilities of SSI units. (iii) Infrastructure Development Scheme. SIDBI in July 1996 had permitted SFCs and promotional banks to grant loans for modernisation projects costing upto Rs.f. Assistance under the scheme is available for meeting the expenditure on purchase of capital equipment acquisition of technical know-how. The Coverage of the TDMF scheme has been enlarged w. to modernise their production facilities and adopt improved and updated technology so as to strengthen their export capabilities. 1. (ii) Scheme for Marketing Assistance. improvement in packaging and cost of TQM and acquisition of ISO-9000 series certification.

2. 10 lakhs in the case of new projects in the case of existing units and service enterprises.5 lakhs to Rs. 2. 4. New projects in tiny and small scale sectors for manufacture. raising the limit of loan from Rs. undertaking expansion. All industrial activities and service activities (except Road Transport Operators). the outlay on expansion/modernisation/technology upgradation or diversification or rehabilitation should not exceed Rs. However. modernisation. Sick units in the tiny and small scale sectors including service enterprises as mentioned above. which are considered potentially viable. DIRECT ASSISTANCE SCHEMES SIDBI directly assists SSIs under 1. 3.5 lakh per project. 1. the ceiling on soft loan assistance under the Scheme has been enhanced from the present level of 15% lakh per project to 25% of the project cost subject to a maximum of Rs.National Equity Fund (NEF) under Small Industries Development Bank of India (SIDBI) provides equity type assistance to SSI units.5 lakhs and covering both existing as well as new units: (a) The following are eligible for assistance under the scheme:1. tiny units at one per cent service charges. Existing tiny and small scale industrial units and service enterprises as mentioned above (including those which have availed of NEF assistance earlier). (b) Project cost (including margin money for working capital) should not exceed Rs. 2. Marketing Scheme . preservation or processing of goods irrespective of the location (except for the units in Metropolitan areas). 10 lakh per project. The scope of this scheme was widened in 1995-96 to cover all areas excepting Metropolitan areas. technology upgradation and diversification irrespective of location (except in Metropolitan areas). (c) There is no change in the existing level of promoters' contribution at 10% of the project cost. Project Finance Scheme 2. Equipment Finance Scheme 3. irrespective of the location of the units (except for the units in Metropolitan areas).

Micro Credit Schemes and assistance under Mahila Vikas Nidhi to bring about economic empowerment of women specially the rural poor by providing them avenues for training and employment opportunities. Resource support to institutions involved in the development and financing of small scale sector. export financing and venture capital assistance. Promotional and Development Activities SIDBI is actively involved in promoting tiny and small scale industries by means of its promotional and developmental activities through suitable professional agencies for organising Entrepreneurship Development Programmes. These Schemes are mainly targeted at addressing some of the major problems of SSIs in areas such as high tech project. Refinance against term loans in respect of projects/activities eligible for assistance under the Scheme Interest on term loans for Interest on fixed asets and working Refinance (% capital advances p. A.4.000 branches all over the country. SIDBI extends refinance of loans to small scale sector by Primary Lending Institutions (PLIs) viz.a. infrastructural development. quality improvement.) . SIDCs and 10. SFCs. SIDCs and Banks. Venture Capital Scheme 9. Vendor Development Scheme 5. ISO-9000 7. such refinance assistance is extended to 892 PLIs and these PLIs extend credit through a net work of more than 65. At present. All the Schemes of SIDBI both direct and indirect assistance are in operation in all the States of the country through 39 regional/branch offices of SIDBI. Infrastructural Development Scheme 6. SFCs. marketing. Assistance for leasing to NBFCs. INDIRECT ASSISTANCE SCHEMES Under its indirect schemes. Technology Upgradation & Modernisation Programmes. Technology Development & Modernisation Fund 8. delayed realisation of bills. obsolescence of technology.

2 per cent of the number of projects assisted under Refinance Scheme during 1996-97 were tiny. 25. 2 lakh Not exceeding 13.about 89.0 (ii) Over Rs.) p. liberalisation of new schemes and introduction of new schemes. 775 crores of sanction which accounted for 37% of total assistance under Refinance Scheme of SIDBI.during 1996-97. (ii) Women entrepreneurs .0 9.a. Small Industries Development Bank of India (SIDBI) keeps on effecting simplification of procedures.0 9. . The sanctions for such projects accounted for 39. 2 lakh Not exceeding 13.5 B. receiving assistance upto Rs.(excluding interest tax) (% p.5 10.a.000 and up to Rs. 5 lakh per project. 19.a.000 12.0% during the previous year.000 and upto Rs. Measures to simplify Rules/Regulations To fill the gaps in the existing structure of credit delivery mechanism to the small scale sector.0 (ii) Over Rs.) (i) Upto and inclusive of Rs.0* 12.07 crores was given to 1067 women entrepreneurs during 1996-97. 25. Refinance against term loans in respect of Interest on term loans Interest on projects/activities eligible for assistance under (excluding interest tax) (% Refinance (% TDMF and ISO 9000 Schemes (Applicable to p.0 SIDBI's ASSISTANCE Top (i) Tiny Units . projects emanating from backward areas received assistance to the tune of Rs. 25. 2 lakh Not exceeding 14.under various schemes assistance amounting to Rs.6% of the total amount of sanctions in 1996-97 as against 36.5 10.000 12. 25. (iii) Backward areas .) all eligible institutions) (except RRBs) (i) Upto and inclusive of Rs.5 (iii) Over Rs.

during the past eight years. (ii) Scope of Technology Development & Modernisation Fund Scheme and Refinance Scheme for Technology Development & Modernisation has been expanded to cover non-exporting SSIs/ancillary units graduating out of SSI sector for assistance under the scheme. over a period of more than four decades. 30 lakhs to Rs. while the commercial banks and other financial institutions were functioning with greater autonomy and operational flexibility. Liberalisation effected (i) Enhancement in the ceiling on loan amount of the Composite Loan Scheme to Rs. technology upgradation in addition to new SSI units. Therefore. the SFCs Act. (iii) Scope of Single Window Scheme has been enlarged to cover modernisation. 100 lakhs. removal of poverty. employment generation. Simultaneously. should have been amended to bring it in tune .to ensure timely availability of term loan and working capital to the small units.Norms laid down by Reserve Bank of India and Government of India are followed by SIDBI for granting assistance to SSI units. 50. etc. NEED FOR STRENGHTENING SIDBI The State Financial Corporations have been passing through a critical phase of trial and tribulation during the past decade marked by process of liberalisation and financial sector reforms. the working and financial position of SFCs registered a steep fall because of their vulnerability to the market forces and their inability to compete with commercial banks and other financial institutions.. which was passed in 1951. The SFCs.Endeavour of SIDBI is to ensure that no worthwhile proposal is denied credit for want of funds. have played a pivotal role in spreading industrial culture in the far-flung areas of the States and have succeeded to a large extent in the promotion of first generation entrepreneurs. The scheme was also liberalised to include units in all areas other than metropolitan areas. . In order to provide a level-playing field to the SFCs. 2 lakh from the earlier ceiling of Rs. but for fulfilling certain critical socio-economic obligations like entrepreneurial development. Project outlay under the scheme has been gradually raised from s. It is a well-known fact that the State Financial Corporations were set up in the country at a time when no other financial institution existed to promote and finance small scale and tiny industries in the rural areas and backward regions of the States.000/. The present status of small scale sector in the country today owes a great deal to the role played by SFCs. SFCs suffered a serious setback as a result of ongoing liberalisation and financial sector reforms since they had to function within the bounds of SFCs Act. These institutions were not created for profit-maximization. the sub-limits for working capital and term loan components has been done away with. reduction in regional imbalances.

the refinance requirements of SFCs have gone up substantially and they have started approaching SIDBI for meeting their requirements. tiny and cottage sectors. including provision of adequate refinance facilities. etc. In terms of the Act. This.5 crore and Rs. would largely depend upon the responsiveness of SIDBI to the needs and aspirations of SFCs. The SFCs.with the changing business environment. The operational limits prescribed under various provisions of the amended Act could be increased by the State Governments on the recommendations of SIDBI keeping in view the business requirements of SFCs. limit of accommodation to industrial units. with the amendment of the SFCs Act. there does not seem to be any reason why the SFCs should not become vibrant financial institutions and regain their past glory and lustre. undoubtedly. 2000. The Small Industries Development Bank of India (SIDBI). have also requested . Since limit of accommodation to individual units has been increased to Rs. If the recommendations of the Committee. The amendments. calls for strengthening SIDBI organisationally and financially to cope with this responsibility and meet the genuine refinance requirements of SFCs. The success of the reforms brought about by the amendments in the SFCs Act. was conceived as the principal financial institution at the apex level for promotion. as also the recommendations of the High Level Committee. Simultaneously. together with amendments in the SFCs Act. while approaching SIDBI for enhanced refinance limit. SFCs cannot finance industrial units whose owned-funds exceed Rs.10 crore. SIDBI has an overall responsibility for enacting policy and procedural guidelines with regard to the operations of SFCs. The Committee. Another redeeming feature of these amendments is a steep hike in the limit of accommodation to an industrial concern. in short. has submitted its report to the Government. Further. headed by Shri G. 51% holding of IDBI shares in SIDBI are in the process of being transferred to commercial banks and all-India financial institutions. provided necessary support is extended to them from State Governments and SIDBI. All the discretionary powers hitherto vested with IDBI in the principal Act. eligibility of industrial units to borrow from SFCs in terms of owned-funds. with the sustained efforts of COSIDICI.30 crore by the State Government on the recommendation of SIDBI. the SFCs Act has been amended by the Govt. The Committee has made comprehensive recommendations for recapitalisation and revitalisation of SFCs. SIDBI under the new dispensation has been entrusted with the overall responsibility to look after the interests of SFCs. of India. IDBI's share-holding in SFCs would also be transferred to SIDBI under the SFCs (Amendment) Act.2 crore in the case of companies and individuals respectively with a provision to increase it further to Rs.20 crore and Rs. financing and development of industry in the small. the SFCs were now in a position to finance comparatively bigger industrial units having large credit requirements. however. The most important amendments relate to widening and broadbasing the definition of `Industry' and enlarging the scope of activities of SFCs. At long last. Ministry of Finance had set up a High Level Committee on Restructuring of SFCs.5 crore respectively on the recommendations of SIDBI. IDBI. This limit could be increased to Rs. set up in 1990. SIDBI has since been delinked from IDBI after the SIDBI Act was amended last year and as a result. Gupta. These limits relate to augmentation of share-capital base.P. etc. the Govt. borrowings from outside agencies. of India. The amendments have removed a big legal hurdle in bringing about the desired reforms in the working of SFCs. now vest with SIDBI under the amended Act. the then Chairman and Managing Director. including floatation of bonds and debentures. are implemented in letter and spirit. have paved the way for SFCs to function like all-India financial institutions. Consequently.

The SSI sector confronts several problems despite its strategic importance in any industrialization strategy and its immense potential for employment generation. the present trend of industrial units going away from SFCs to commercial banks and other financial institutions would continue unabated to the detriment of SFCs' interest. occupies a prominent place. SIDBI is reported to have expressed its reservations to increase the refinance limits as also enhancement in the level of owned-funds of the borrowing units. SIDBI and the State Governments must provide required support to enable them to play their envisaged developmental role in the national economy. It has undoubtedly grown into one of the most vital sectors of our economy. which have traditionally been known for their agility of response to the changing environment.them to recommend the increase in this threshold limit to the State Government to enable them to avail of these relaxations. however. Among these. which covers a wide spectrum of industries. CONCLUSION All over the world public policy is increasingly directed towards the promotion of small-scale industrial units. It has. Approximately two thirds of the businesses all over the world are small and medium enterprises. This is partially because these small-scale enterprises form an important p. Since the SFCs have been conceived as institutions of national importance engaged in the strategic task of promoting industrialisation in the rural and backward regions of the States. In the absence of adequate availability of refinance from SIDBI and inability of SFCs to mobilize their own resources. been noticed that the response from SIDBI to the above request being made by SFCs has not been encouraging. . even of the most developed economies. In the development dynamics of Indian economy. the small-scale sector. The reluctance on the part of SIDBI to release adequate refinance to eligible SFCs to enable them to finance medium scale industrial units appears to be retrograde step and tends to defeat the very purpose of enhancing the accommodation limit.ut of any economy.

the small-scale sector. market and other competitive forces. has to perform in a competitive environment where resources are scarce and mostly available at market-determined rates (as against the high protection and subsidized resources provided earlier by the Government of India and some foreign agencies). SIDBI today. The Government of India in its endeavor to promote. GIIC and SIDBI.Laxmidhar . Role of Financial Institutions in Entrepreneurial Development:An Indepth Study of GSFC. established Small Industries Development Bank of India (SIDBI) in April 1990 under an Act of the Parliament.the problems of finance are the most important and at the same time the most acute too. Sanjay. SIDBI requires the taking of a proactive and a forward-looking approach to face the impending. BIBLIOGRAPHY  Ajmeri. Ashok Kumar Mohanty. the Post Reform Era Developing SMEs in India: Study of SIDBI in .  Sahoo.

com/banking/main-functions-of-small-industriesdevelopment-bank-of-india-sidbi http://accountlearning.html   .ebscohost.WEB REFRENCES   http://www.com/general-awareness/banking/small-industries-developmentbank-india-sidbi/ http://connection.com/sidbi-origin-objectives-and-functions/  http://exim.yourarticlelibrary.papertyari.com/c/articles/89746855/role-small-industries-developmentbank-india-sidbi-promotion-entrepreneurship-u-p http://www.indiamart.com/ssi-finance/sidbi.