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No endeavor is complete without acknowledging those who have helped to make this project a success.

As such I would like to thank all those who have helped me to complete this project. First it is our pleasure to thank Professor Mrs.Mandira mam for granting me the opportunity to present out project report – “Industrial Development Bank of India”. I would like to thank all the faculties of, Khar Education Society College Of Commerce and Economics, they provided me with the necessary information and advice, and many thanks are due for the same. This study could not have been successful without the valuable inputs of my colleagues.

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Introduction and history Governing body


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Purpose and objectives
Functions of IDBI Promotional activities Market segment Other services Bibliography




IDBI is engaged in direct financing of the industrial activities as well as in re-finance and rediscounting of bills against finance made available by commercial banks under their various scheme. IDBI is a public sector bank, and is functioning in finance industry IDBI is one of India'sleading public sector banks and 4th largest Bank in overall ratings.
The Industrial Development Bank of India (IDBI) was established on July 1, 1964 under an Act of Parliamentas a wholly owned subsidiary of the

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Later on IDBI was delinked from RBI and became a separate and independent entity owned by the government. IDBI diversified its business domain further by acquiring the entire shareholding of Tata Finance Limited in Tata Home finance Ltd., signaling IDBI’s foray into the retail finance sector. Headquarters - Mumbai, India Key people -RM Malla (CMD) Products - Financial Services Employees -15,0000 (2012) Branches -710 Centre -474

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

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As RBI is the apex financial institution, IDBI is governed by RBI IDBI has to report to the Reserve Bank of India.

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To create principal institution for long term finance. To coordinate the institutions working in this field for planned development of industrial sector. To provide technical and administrative support to the industries. To conduct research and development activities for the benefit of industrial sector.

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 IDBI provides financial assistance to all kinds of industrial units which comes under the provisions of the IDBI Act

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IDBI has served various industrial sectors in India for about three years and has grown leaps and bounds in its size and operating units Underwriting and direct subscription to shares/debentures of the industrial companies Soft loans for various purposes including modernization 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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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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Market segment.

IDBI is the Entrepreneurship Development Institute Realizing that entrepreneurship development is the key to industrial development.
IDBI played a prime role in setting up of the Entrepreneurship Development Institute of India for fostering entrepreneurship in the country. It extends financial support to various organizations in conducting studies or surveys of relevance to industrial development.

Other services.

WHOLE SALE SERVICES: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.


Housing loans Personal loans Securities loans Mortgage loans Educational loans Merchant establishment overdrafts Holiday travel plans Commercial property loans