Measures of Central Tendency: Mean, Median and Mode
Idbi
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8. 1)TERM LOAN -: generally it fianancial long term to industrial unit which is
known as term loan.
During 2002-03 the corporation had sanctioned the loan of 26.36 cores.
In 31/03/2002 the balance of its loan provided amount to Rs 57655
cores but in 31/03/2003 the same was of 54282 cores
From technical development fund ( whish was established in march
1976) the loan for importing the eqiptment of small values are provided
The bank also established the speed capital assistance scheme this
scheme was established in 1976-77.
In 1999for modernisation of textiles industries “technology upgradation
fund scheme”
In short to full fill the industrial needs idbi was established.
It now serves as an apex financial institution.
as per the opinioun of finance minister announced in april 1964
Aftr that idbi bank get more freedom to form the policies and for other activities which are not available to any other existing financial institute.
In this the bod can manage administer and direct IBDI.
The governor and deputy governor of rbi shall be chairman and vice chairman of idbi
Bt nw this this corporation has its own director
Manufacturing industries, mine industries , processing industries shipping industries hotel industries service industries etc in the list of above industries sector. It can helful privat as well as public sector
It can purchase their shares and debentures
Idbi also helpful to industrial enterprise. For eg- provides loan, to purchase their shares and debenture etc
This can be helpful to industries units whichare not in the position to get finance assistance due to large amount of investment and due to less return on capital
ifc-international fianance corporation
This bank also conduct the study of techno-economic study of industrial unit. Such activities are to be perofmed in different ways then perofmed by other financial institute
Enterpreneurs who have skill but lack of financial resources can now get loan from the speed capital assistance scheme at no intrest rate they have to pay only 10% service charge
During 2002-03 the bank had sanctioned the refiance of rs 18300 cr, againstit actual utilisation was of rs 86.4 cr upto 31/03/2002, his bank has sanctioned the total refianance of rs 21009 cr
In such case development bank discounted the bills of such bank or other financial institution. This facility is provided only by idbi. During 2002-03 the bank had rediscounted the bills of rs. 123cr. Upto 31/03/2002, the aggregate discount bills was rs 19604 cr
This institute they can made capable to fianance more and more loans to industrials units, upto march 2003 IDBI had invested rs. 15849 cores in the share capital of ifc icici sfc irc and uti (including under – writing)
Exporters can give credits to foreign customers for some predetermined time duration.
Eg- idbi bank had given loan of rs 35 cr to bank of foreign trade of Vietnam for improting railway enginees, boggies etc. from india