This document contains guidelines for the Foreign Investment Promotion Board (FIPB) to consider when evaluating foreign direct investment (FDI) proposals. Some key points:
- Proposals should be considered within 30 days to avoid delays. All relevant ministry comments should be provided.
- Proposals will be evaluated based on sector policies, technology transfer, export potential, employment creation, and other economic benefits.
- Different caps and approval requirements apply based on the sector and level of foreign ownership. Higher foreign ownership may be considered based on capital needs, technology quality, and export commitments.
- Trading and infrastructure proposals will be prioritized. Special conditions apply for investments in sensitive sectors like defense, atomic energy,
Kotak Mahindra_ The Strategic Shift from NBFC to BankMANTHAN CHAUHAN
How Kotak Mahindra shifted his 'tag' from NBFC (Non Banking Financial Company) to Bank is briefly explained in this presentation with help of small case study and question and answers based on it.
what is the major difference between NBFC and bank,their related companies act and Banking acts are also explained
in it.
IDENTIFYING THE POSSIBLE LIMITATIONS AND CHALLENGES FACED BY THE NON-BANKING FINANCIAL INSTITUTIONS (NBFI) ON IMPROVING THE DEMAND FOR PERSONAL LOANS
by Nulaim Nuwaiz
Kotak Mahindra_ The Strategic Shift from NBFC to BankMANTHAN CHAUHAN
How Kotak Mahindra shifted his 'tag' from NBFC (Non Banking Financial Company) to Bank is briefly explained in this presentation with help of small case study and question and answers based on it.
what is the major difference between NBFC and bank,their related companies act and Banking acts are also explained
in it.
IDENTIFYING THE POSSIBLE LIMITATIONS AND CHALLENGES FACED BY THE NON-BANKING FINANCIAL INSTITUTIONS (NBFI) ON IMPROVING THE DEMAND FOR PERSONAL LOANS
by Nulaim Nuwaiz
Attached Newsletter is an attempt to cover monthly issues relevant in the context of transactions - covers SEBI, Companies Act, Income Tax, Stamp duty and other regulatory changes
In India, there is a total of 10,190 operating non- banking financial companies as at September end 2018. Out of this 10,190, more than 95 per cent (10,082) are non- deposit taking NBFCs.
Indian Construction Equipment and Infrastructure Financing MarketNiraj Singhvi
This report is prepared by Maple Growth Partners, an investment research and strategic advisory firm.
One of our Singapore-based impact investing fund client had asked us to conduct a detailed study within the Indian NBFC market to identify growth segments based on their investment criteria. They were looking for tech-oriented companies with an investment ticket size of less than $1 million. This full report is a 300 pager document providing a detailed overview of the Indian NBFC industry.
We first provided a broad overview of the Indian NBFC market and identified 12 service segments such as SME, education, healthcare, auto, housing, infra finance, construction equipment finance, loan against property (LAP), affordable housing, microfinance, gold, and wholesale finance. Of these identified segments, we carried out a detailed study on the following 9 segments our client was broadly interested into: SME, auto, healthcare, education, housing, affordable housing, construction equipment finance, infra finance, and LAP.
Then, we compared and evaluated all these segments based on a strict investment parameter framework to come up with a more fact-based (rather than intuitive) investment rationale and go-to-market strategies. We later presented our sector insights, value creation game plan, and actionable targets for each of the attractive segments, along with a directory of industry experts and influencers so that our client had the primary first-hand resource to assess the investment opportunities within the identified attractive service segments.
While the entire report is exclusive for the said client, we have provided our piecemeal analysis of the two least interested sectors (from the client perspective) i.e. infrastructure financing and construction equipment finance in order to showcase our research and analytical skill-sets and capabilities.
NBFC - Non Banking Financial Company/ Non Banking Financial Corporation are companies registered under the Companies Act, 1956
Engaged in the business of
- loans and advances
-acquisition of shares
-stocks
-bonds
-debentures
-securities
but does not include any institution whose principal business is that of agriculture activity, industrial activity, purchase or sale of any goods (other than securities) or providing any services and sale/purchase/construction of immovable property
Ease of doing business challenges persistingNeha Sharma
The new government has been brought to power by electorate of our nation along with large expectations by industry, businesses and professions and other stakeholders of the Indian economy.
Non Banking Financing Companies PresentationAnkur Aggarwal
Non-bank financial companies ( NBFCs ) are financial institutions that provide banking services without meeting the legal definition of a bank, i.e. one that does not hold a banking license. These institutions typically are restricted from taking deposits from the public depending on the jurisdiction. Nonetheless, operations of these institutions are often still covered under a country's banking regulations.
Key Takeaways:
- Overview of the FSR
- Global Macro Financial Developments
- Economic Growth and Financial Conditions in India
- Performance of Scheduled Commercial Banks
The BJP Government is on the verge of completing a year and has now stabilised. Major economic initiatives and actions are emerging for a high growth oriented economy.
Part 3: How to ensure the success of equity funding deal in a SME business?
This is the third of the three-part learning program for a business to understand the importance of equity funding for business growth and financial turnaround. The three parts of the program are:
1. Strategic financial concepts for a promoter of technical background
2. Process of equity funding
3. Factors for success of equity funding deal
This presentation tells what are the important factors to be considered while availing funding, how every deal changes with respect to sector, location, life cycle; what are the misconceptions about equity funding, precautions during the process, success and failure factors, etc.
Attached Newsletter is an attempt to cover monthly issues relevant in the context of transactions - covers SEBI, Companies Act, Income Tax, Stamp duty and other regulatory changes
In India, there is a total of 10,190 operating non- banking financial companies as at September end 2018. Out of this 10,190, more than 95 per cent (10,082) are non- deposit taking NBFCs.
Indian Construction Equipment and Infrastructure Financing MarketNiraj Singhvi
This report is prepared by Maple Growth Partners, an investment research and strategic advisory firm.
One of our Singapore-based impact investing fund client had asked us to conduct a detailed study within the Indian NBFC market to identify growth segments based on their investment criteria. They were looking for tech-oriented companies with an investment ticket size of less than $1 million. This full report is a 300 pager document providing a detailed overview of the Indian NBFC industry.
We first provided a broad overview of the Indian NBFC market and identified 12 service segments such as SME, education, healthcare, auto, housing, infra finance, construction equipment finance, loan against property (LAP), affordable housing, microfinance, gold, and wholesale finance. Of these identified segments, we carried out a detailed study on the following 9 segments our client was broadly interested into: SME, auto, healthcare, education, housing, affordable housing, construction equipment finance, infra finance, and LAP.
Then, we compared and evaluated all these segments based on a strict investment parameter framework to come up with a more fact-based (rather than intuitive) investment rationale and go-to-market strategies. We later presented our sector insights, value creation game plan, and actionable targets for each of the attractive segments, along with a directory of industry experts and influencers so that our client had the primary first-hand resource to assess the investment opportunities within the identified attractive service segments.
While the entire report is exclusive for the said client, we have provided our piecemeal analysis of the two least interested sectors (from the client perspective) i.e. infrastructure financing and construction equipment finance in order to showcase our research and analytical skill-sets and capabilities.
NBFC - Non Banking Financial Company/ Non Banking Financial Corporation are companies registered under the Companies Act, 1956
Engaged in the business of
- loans and advances
-acquisition of shares
-stocks
-bonds
-debentures
-securities
but does not include any institution whose principal business is that of agriculture activity, industrial activity, purchase or sale of any goods (other than securities) or providing any services and sale/purchase/construction of immovable property
Ease of doing business challenges persistingNeha Sharma
The new government has been brought to power by electorate of our nation along with large expectations by industry, businesses and professions and other stakeholders of the Indian economy.
Non Banking Financing Companies PresentationAnkur Aggarwal
Non-bank financial companies ( NBFCs ) are financial institutions that provide banking services without meeting the legal definition of a bank, i.e. one that does not hold a banking license. These institutions typically are restricted from taking deposits from the public depending on the jurisdiction. Nonetheless, operations of these institutions are often still covered under a country's banking regulations.
Key Takeaways:
- Overview of the FSR
- Global Macro Financial Developments
- Economic Growth and Financial Conditions in India
- Performance of Scheduled Commercial Banks
The BJP Government is on the verge of completing a year and has now stabilised. Major economic initiatives and actions are emerging for a high growth oriented economy.
Part 3: How to ensure the success of equity funding deal in a SME business?
This is the third of the three-part learning program for a business to understand the importance of equity funding for business growth and financial turnaround. The three parts of the program are:
1. Strategic financial concepts for a promoter of technical background
2. Process of equity funding
3. Factors for success of equity funding deal
This presentation tells what are the important factors to be considered while availing funding, how every deal changes with respect to sector, location, life cycle; what are the misconceptions about equity funding, precautions during the process, success and failure factors, etc.
This material is for PGPSE / CSE students of AFTERSCHOOOL. PGPSE / CSE are free online programme - open for all - free for all - to promote entrepreneurship and social entrepreneurship PGPSE is for those who want to transform the world. It is different from MBA, BBA, CFA, CA,CS,ICWA and other traditional programmes. It is based on self certification and based on self learning and guidance by mentors. It is for those who want to be entrepreneurs and social changers. Let us work together. Our basic idea is that KNOWLEDGE IS FREE & AND SHARE IT WITH THE WORLD
Project by Indian Society of Management Accountants with Group of MBA Students www.cmaonline.in
ISMA Project as part of students training program to develop skills
An exemplary approach towards strong Academia Industry Partnership
Financial services contribute to economic growth and development by facilitating banking, investment, savings, insurance, stock markets, debt, and equity shares.
Visit: https://m1nxt.blogspot.com/2023/11/stay-informed-latest-financial-services.html
A decade before we literally relate finance to the banking sector. The import and quality of finance has transformed and has been evolved dramatically by the period. This is primarily due to technology integration and evolution of myriad hues of financial structures and domains globally. Modrika helps you to take at the ground layer of these domains and sub domains. Thus, it helps you to get deeper perception of the financial complexity, giving you financial wisdom and enlightenment to attractive and accomplish meteoric career.
Mutual Funds are one of the best investment solutions that generate better interest. This presentation points out Mutual Funds types, growth, role, challenges and their scope in coming years. To get more details go through the presentation.
Financial services contribute to economic growth and development by facilitating banking, investment, savings, insurance, stock markets, debt, and equity shares. These services help private entities and individuals save funds, compete in the market, and protect against risks and ambiguity. They also contribute to the GDP and promote liquidity. Financial services generate employment, reduce the cost of transactions and borrowing, and minimise asymmetric information.
Visit: https://m1nxt.blogspot.com/2023/11/stay-informed-latest-financial-services.html
What website can I sell pi coins securely.DOT TECH
Currently there are no website or exchange that allow buying or selling of pi coins..
But you can still easily sell pi coins, by reselling it to exchanges/crypto whales interested in holding thousands of pi coins before the mainnet launch.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and resell to these crypto whales and holders of pi..
This is because pi network is not doing any pre-sale. The only way exchanges can get pi is by buying from miners and pi merchants stands in between the miners and the exchanges.
How can I sell my pi coins?
Selling pi coins is really easy, but first you need to migrate to mainnet wallet before you can do that. I will leave the telegram contact of my personal pi merchant to trade with.
Tele-gram.
@Pi_vendor_247
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
how to sell pi coins effectively (from 50 - 100k pi)DOT TECH
Anywhere in the world, including Africa, America, and Europe, you can sell Pi Network Coins online and receive cash through online payment options.
Pi has not yet been launched on any exchange because we are currently using the confined Mainnet. The planned launch date for Pi is June 28, 2026.
Reselling to investors who want to hold until the mainnet launch in 2026 is currently the sole way to sell.
Consequently, right now. All you need to do is select the right pi network provider.
Who is a pi merchant?
An individual who buys coins from miners on the pi network and resells them to investors hoping to hang onto them until the mainnet is launched is known as a pi merchant.
debuts.
I'll provide you the Telegram username
@Pi_vendor_247
how to sell pi coins at high rate quickly.DOT TECH
Where can I sell my pi coins at a high rate.
Pi is not launched yet on any exchange. But one can easily sell his or her pi coins to investors who want to hold pi till mainnet launch.
This means crypto whales want to hold pi. And you can get a good rate for selling pi to them. I will leave the telegram contact of my personal pi vendor below.
A vendor is someone who buys from a miner and resell it to a holder or crypto whale.
Here is the telegram contact of my vendor:
@Pi_vendor_247
Turin Startup Ecosystem 2024 - Ricerca sulle Startup e il Sistema dell'Innov...Quotidiano Piemontese
Turin Startup Ecosystem 2024
Una ricerca de il Club degli Investitori, in collaborazione con ToTeM Torino Tech Map e con il supporto della ESCP Business School e di Growth Capital
NO1 Uk Divorce problem uk all amil baba in karachi,lahore,pakistan talaq ka m...Amil Baba Dawood bangali
Contact with Dawood Bhai Just call on +92322-6382012 and we'll help you. We'll solve all your problems within 12 to 24 hours and with 101% guarantee and with astrology systematic. If you want to take any personal or professional advice then also you can call us on +92322-6382012 , ONLINE LOVE PROBLEM & Other all types of Daily Life Problem's.Then CALL or WHATSAPP us on +92322-6382012 and Get all these problems solutions here by Amil Baba DAWOOD BANGALI
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how can I sell my pi coins for cash in a pi APPDOT TECH
You can't sell your pi coins in the pi network app. because it is not listed yet on any exchange.
The only way you can sell is by trading your pi coins with an investor (a person looking forward to hold massive amounts of pi coins before mainnet launch) .
You don't need to meet the investor directly all the trades are done with a pi vendor/merchant (a person that buys the pi coins from miners and resell it to investors)
I Will leave The telegram contact of my personal pi vendor, if you are finding a legitimate one.
@Pi_vendor_247
#pi network
#pi coins
#money
Latino Buying Power - May 2024 Presentation for Latino CaucusDanay Escanaverino
Unlock the potential of Latino Buying Power with this in-depth SlideShare presentation. Explore how the Latino consumer market is transforming the American economy, driven by their significant buying power, entrepreneurial contributions, and growing influence across various sectors.
**Key Sections Covered:**
1. **Economic Impact:** Understand the profound economic impact of Latino consumers on the U.S. economy. Discover how their increasing purchasing power is fueling growth in key industries and contributing to national economic prosperity.
2. **Buying Power:** Dive into detailed analyses of Latino buying power, including its growth trends, key drivers, and projections for the future. Learn how this influential group’s spending habits are shaping market dynamics and creating opportunities for businesses.
3. **Entrepreneurial Contributions:** Explore the entrepreneurial spirit within the Latino community. Examine how Latino-owned businesses are thriving and contributing to job creation, innovation, and economic diversification.
4. **Workforce Statistics:** Gain insights into the role of Latino workers in the American labor market. Review statistics on employment rates, occupational distribution, and the economic contributions of Latino professionals across various industries.
5. **Media Consumption:** Understand the media consumption habits of Latino audiences. Discover their preferences for digital platforms, television, radio, and social media. Learn how these consumption patterns are influencing advertising strategies and media content.
6. **Education:** Examine the educational achievements and challenges within the Latino community. Review statistics on enrollment, graduation rates, and fields of study. Understand the implications of education on economic mobility and workforce readiness.
7. **Home Ownership:** Explore trends in Latino home ownership. Understand the factors driving home buying decisions, the challenges faced by Latino homeowners, and the impact of home ownership on community stability and economic growth.
This SlideShare provides valuable insights for marketers, business owners, policymakers, and anyone interested in the economic influence of the Latino community. By understanding the various facets of Latino buying power, you can effectively engage with this dynamic and growing market segment.
Equip yourself with the knowledge to leverage Latino buying power, tap into their entrepreneurial spirit, and connect with their unique cultural and consumer preferences. Drive your business success by embracing the economic potential of Latino consumers.
**Keywords:** Latino buying power, economic impact, entrepreneurial contributions, workforce statistics, media consumption, education, home ownership, Latino market, Hispanic buying power, Latino purchasing power.
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
how to swap pi coins to foreign currency withdrawable.DOT TECH
As of my last update, Pi is still in the testing phase and is not tradable on any exchanges.
However, Pi Network has announced plans to launch its Testnet and Mainnet in the future, which may include listing Pi on exchanges.
The current method for selling pi coins involves exchanging them with a pi vendor who purchases pi coins for investment reasons.
If you want to sell your pi coins, reach out to a pi vendor and sell them to anyone looking to sell pi coins from any country around the globe.
Below is the contact information for my personal pi vendor.
Telegram: @Pi_vendor_247
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Contact with Dawood Bhai Just call on +92322-6382012 and we'll help you. We'll solve all your problems within 12 to 24 hours and with 101% guarantee and with astrology systematic. If you want to take any personal or professional advice then also you can call us on +92322-6382012 , ONLINE LOVE PROBLEM & Other all types of Daily Life Problem's.Then CALL or WHATSAPP us on +92322-6382012 and Get all these problems solutions here by Amil Baba DAWOOD BANGALI
#vashikaranspecialist #astrologer #palmistry #amliyaat #taweez #manpasandshadi #horoscope #spiritual #lovelife #lovespell #marriagespell#aamilbabainpakistan #amilbabainkarachi #powerfullblackmagicspell #kalajadumantarspecialist #realamilbaba #AmilbabainPakistan #astrologerincanada #astrologerindubai #lovespellsmaster #kalajaduspecialist #lovespellsthatwork #aamilbabainlahore#blackmagicformarriage #aamilbaba #kalajadu #kalailam #taweez #wazifaexpert #jadumantar #vashikaranspecialist #astrologer #palmistry #amliyaat #taweez #manpasandshadi #horoscope #spiritual #lovelife #lovespell #marriagespell#aamilbabainpakistan #amilbabainkarachi #powerfullblackmagicspell #kalajadumantarspecialist #realamilbaba #AmilbabainPakistan #astrologerincanada #astrologerindubai #lovespellsmaster #kalajaduspecialist #lovespellsthatwork #aamilbabainlahore #blackmagicforlove #blackmagicformarriage #aamilbaba #kalajadu #kalailam #taweez #wazifaexpert #jadumantar #vashikaranspecialist #astrologer #palmistry #amliyaat #taweez #manpasandshadi #horoscope #spiritual #lovelife #lovespell #marriagespell#aamilbabainpakistan #amilbabainkarachi #powerfullblackmagicspell #kalajadumantarspecialist #realamilbaba #AmilbabainPakistan #astrologerincanada #astrologerindubai #lovespellsmaster #kalajaduspecialist #lovespellsthatwork #aamilbabainlahore #Amilbabainuk #amilbabainspain #amilbabaindubai #Amilbabainnorway #amilbabainkrachi #amilbabainlahore #amilbabaingujranwalan #amilbabainislamabad
how to sell pi coins on Bitmart crypto exchangeDOT TECH
Yes. Pi network coins can be exchanged but not on bitmart exchange. Because pi network is still in the enclosed mainnet. The only way pioneers are able to trade pi coins is by reselling the pi coins to pi verified merchants.
A verified merchant is someone who buys pi network coins and resell it to exchanges looking forward to hold till mainnet launch.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
how to sell pi coins in South Korea profitably.DOT TECH
Yes. You can sell your pi network coins in South Korea or any other country, by finding a verified pi merchant
What is a verified pi merchant?
Since pi network is not launched yet on any exchange, the only way you can sell pi coins is by selling to a verified pi merchant, and this is because pi network is not launched yet on any exchange and no pre-sale or ico offerings Is done on pi.
Since there is no pre-sale, the only way exchanges can get pi is by buying from miners. So a pi merchant facilitates these transactions by acting as a bridge for both transactions.
How can i find a pi vendor/merchant?
Well for those who haven't traded with a pi merchant or who don't already have one. I will leave the telegram id of my personal pi merchant who i trade pi with.
Tele gram: @Pi_vendor_247
#pi #sell #nigeria #pinetwork #picoins #sellpi #Nigerian #tradepi #pinetworkcoins #sellmypi
Introduction to Indian Financial System ()Avanish Goel
The financial system of a country is an important tool for economic development of the country, as it helps in creation of wealth by linking savings with investments.
It facilitates the flow of funds form the households (savers) to business firms (investors) to aid in wealth creation and development of both the parties
1. NAME:
______________________________________________________________________________
AGE:
______________________________________________________________________________
OCCUPATION:
_________________________________________________________________________
Q.1 MONTHLY NET INCOME:
LESS THAN 5000 5000 – 20,000 20,000 AND ABOVE
Q.2 Do you know what is electronic customer relationship management?
YES NO
Q.3 With which bank you maintain a bank account?
ICICI HDFC SBI AXIS OTHERS
Q.4 Do your bank provide ecrm services?
CICI
YES NO
Q.5 Which ecrm service of your bank you use?
ATM INTERNET BANKING MOBILE BANKING OTHERS
Q.6 Other services provided by your banks includes?
MOBILE ATM MOBILE RECHARGE BILL PAYMENTS INTERNET PACKS OTHERS
Q.7 For your banking transaction which one you use ?
BANKS ATMS INTERNET MOBILE OTHERS
Q.8 To what extend you use ecrm services?
DAILY FEW TIMES IN WEEK WEEKLY MONTHLY MORE THAN THAT
Q.9 Do you want to switch to other bank for this service?
YES NO
Q.10 Why do you think ecrm is better?
FAST OVERVIEW TO EVERYTHING AVAILAIBLE EVERYWHERE OTHERS
Q.11 What according to you are the disadvantages of ecrm?
OVERVIEW
TO ALL
COMPLICATED EXPENSIVE SECURITY RISK OTHERS
Q.12For how long you are using these services?
2. MONTHS YEARS LESS THAN THAT
Q.13 Are you satisfied with your banking services?
YES NO
Foreign direct investment — Document Transcript
1. Foreign direct investment (FDI) has become a key battleground for emerging marketsand some developed
countries. Government-level policies are needed to enable FDIinflows and maximize their returns for both
investors and recipient countries.Foreign direct investment (FDI) policies play a major role in the economic
growth of developingcountries around the world. Attracting FDI inflows with conductive policies has therefore
become akey battleground in the emerging markets.Developed countries also seek to bring in more FDI and
use various policies and incentives toattract overseas investors, particularly for capital-intensive industries
and advanced technology.The primary aim of these policies is to create a friendly business environment
where foreigninvestors feel comfortable with the legal and financial framework of the country, and have
thepotential to reap profits from economically viable businesses. The prospect of new growthopportunities
and outsized profits encourages large capital inflows across a range of industry andopportunity
types.Investors tend to look for predictable environments where they understand how decision-
makingprocesses work. Governments therefore are incentivized to build up a track record of rationaldecision
making. The business environment often requires work to remove onerous regulations,reduce corruption and
encourage transparency. Governments often also seek to improve theirdomestic infrastructure to meet the
operational needs of investors.Providing fiscal incentives for attracting FDI is a subject of controversy –
analysts have argued bothin favor and against the idea. A general consensus is developing in favor of certain
incentives whichhave been proven historically to grow profits and therefore foreign investments.When policies
are effective, significant FDI investments are injected into countries that help thedomestic economy to grow.
Different countries and regions offer various kinds of fiscal incentives,with a related variance in the level of
FDI investments attracted.Governments are increasingly setting up promotional agencies to foster foreign
direct investment.These agencies promote FDI-friendly policies, identify prospective sectors and investors,
andstructure specific deals and incentives for major foreign investors such as multi-nationalcorporations
(MNCs).Global trade associations also play a major role in some of these investment activities.
Theseassociations are tasked with creating a positive environment for foreign direct investors andensuring
that both investors and recipient countries enjoy a favorable environment.The formation of human capital is
vital for the continued growth of FDI inflows. To enable the mostbeneficial, technology and IP-driven FDI,
highly skilled personnel are necessary. Governments musttherefore enact policies to provide training and
skills upgrading to develop their workforce and meetthe employment needs of foreign investors.GUIDELINES
FOR THE CONSIDERATION OF FOREIGN DIRECT INVESTMENT(FDI) PROPOSALS BY THE FOREIGN
INVESTMENT PROMOTION BOARD(FIPB)(The Guidelines are meant to assist the FIPB to consider
proposals in an objectiveand transparent manner. These would not in any way restrict the flexibility or bindthe
FIPB from considering the proposals in their totality or makingrecommendation based on other criteria or
special circumstances or features itconsiders relevant. Besides these are in the nature of administrative
Guidelinesand would not in any way be legally binding in respect of any recommendation tobe made by the
FIPB or decisions to be taken by the Government in casesinvolving Foreign Direct Investment (FDI). These
guidelines are issued withoutprejudice to the Governments right to issue fresh guidelines or change the
legalprovisions and policies whenever considered necessary.)These guidelines stand modified to the extent
changes have been notified by
3. 2. Secretariat for Industrial Assistance from time to time.The following Guidelines are laid-down to enable the
Foreign InvestmentPromotion Board (FIPB) to consider the proposals for Foreign Direct Investment(FDI) and
formulate its recommendations. Related Links 1. All applications should be put up before the FIPB by the SIA
FDI (Secretariat for Industrial Assistance) within 15 days and it Meaning FDI should be ensured that
comments of the administrative ministries are placed before the Board either prior to/or in the FDI in India and
US meeting of the Board. FDI in China 2. FDI Performance Attract FDI 3. Proposals should be considered by
the Board keeping in view the time frame of 30 days for communicating Government FDI in India decision (i.e.
approval of C&IM/CCEA or rejection as the case may be). 4. In cases in which either the proposal is not
cleared or further information is required, in order to obviate delays presentation by applicant in the meeting of
the FIPB should be resorted to. 5. While considering cases and making recommendations, FIPB should keep
in mind the sectoral requirements and the sectoral policies vis-a-vis the proposal(s). 6. FIPB would consider
each proposal in totality (i.e. if it includes apart from foreign investment, technical collaboration/ industrial
licence) for composite approval or otherwise. However, the FIPBs recommendation would relate only to the
approval for foreign financial and technical collaboration and the foreign investor will need to take other
prescribed clearances separately. 7. The Board should examine the following while considering proposals
submitted to it for consideration: • Whether the items of activity involve industrial licence or not and if so the
considerations for grant of industrial licence must be gone into; • Whether the proposal involves technical
collaboration and if so:- (a) the source and nature of technology sought to be transferred. • Whether the
proposal involves any mandatory requirement for exports and if so whether the applicant is prepared to
undertake such obligation (this is for items reserved for small scale sector as also for dividend balancing, and
for 100% EOUs/SEZ units); • Whether the proposal involves any export projection and if so the items of
export and the projected destinations; • Whether the proposal has concurrent commitment under other
schemes such as EPCG Scheme etc. • In the case of Export Oriented Units (EOUs) whether the prescribed
minimum value addition norms and the minimum turn over of exports are met or not; • Whether the proposal
involves relaxation of locational restrictions stipulated in the industrial licensing policy; • Whether the proposal
has any strategic or defence related considerations, and • Whether the proposal has any previous joint
venture or technology transfer/trademark agreement in the same or allied field in India, the detailed
circumstance in which it is considered necessary to set-up a new joint venture/enter into new technology
transfer (including trade mark), and proof that the new proposal would not in any way jeopardize the interest
of the existing joint venture or technology/trade mark partner or other stake holders. 8. While considering
proposals the following may be prioritised. • Items/activities covered under automotive route (i.e. those, which
do not qualify under automatic route). • Items falling in infrastructure sector. • Items which have an export
potential
3. • Items which have large scale employment potential and especially for rural people. • Items, which have a
direct or backward linkage with agro business/farm sector. • Item which have greater social relevance such as
hospitals, human resource development, life saving drugs and equipment. • Proposals, which result in
induction of technology or infusion of capital.9. The following should be especially considered during the
scrutiny and consideration of proposals: • The extent of foreign equity proposed to be held (keeping in view
sectoral caps if any - e.g. 24% for SSI units, 40% for air taxi/airlines operators, 49% in basic/cellular/paging in
Telecom sector etc). • Extent of equity with composition of foreign/NRI (which may include OCB)/resident
Indians. • Extent of equity from the point of view whether the proposed project would amount to a holding
company/wholly owned subsidiary/a company with dominant foreign investment (i.e. 75% or more) joint
venture. • Whether the proposed foreign equity is for setting up a new project (joint venture or otherwise) or
whether it is for enlargement of foreign/NRI equity or whether it is for fresh induction of foreign equity/NRI
equity in an existing Indian company. • In the case of fresh induction of foreign/NRI equity and/or cases of
enlargement of foreign/ NRI equity in existing Indian companies whether there is a resolution of the Board of
Directors supporting the said induction/ enlargement of foreign/NRI equity and whether there is a
shareholders agreement or not. • In the case of induction of fresh equity in the existing Indian companies
4. and/or enlargement of foreign equity in existing Indian companies, the reason why the proposal has been
made and the modality for induction/ enhancement [i.e. whether by increase of paid up capital/authorised
capital, transfer of shares (hostile or otherwise) whether by rights issue, or by what modality]. Cases
pertaining to FIPB approvals, which involve increase in the non-resident equity within the approved
percentage of non-resident equity in a joint venture company and enhancement of paid-up capital in a wholly
owned subsidiary do not require FIPB approval provided the intent for increase in the amount of foreign equity
is duly notified to SIA and formal documentation by way of intimation is made to SIA within 30 days of receipt
of funds and allotment of shares (to non-resident shareholders). • Issue/transfer/pricing of shares will be as
per SEBI/RBI guidelines. • Whether the activity is an industrial or a service activity or a combination of both. •
Whether the item of activity involves any restriction by way of reservation for the small scale sector. • Whether
there are any sectoral restrictions on the activity (e.g. there is ban on foreign investment in real estate while it
is not so for NRI investment). • Whether the item involves only trading activity and if so whether it involves
export or both export and import, or also includes domestic trading and if domestic trading whether it also
includes retail trading. • Whether the proposal involves import of items which are either hazardous, banned or
detrimental to environment (e.g. import of plastic scrap or recycled plastics).10. In respect of activities to
which equity caps apply, FIPB may consider recommending higher levels of foreign equity as compared to the
prescribed caps, keeping in view the special requirements and merits of each case.11. In respect of other
industries/activities the Board may consider recommending 51 per cent foreign equity on examination of each
individual proposal. For higher levels of equity up to 74 per cent the Board may consider such proposals
keeping in view considerations such as the extent of capital needed for the project, the nature and quality of
technology, the requirements of marketing and management skills and the commitment for exports.
4. 12. FIPB may consider recommending proposals for 100 percent foreign owned holding/subsidiary
companies based on the following criteria: • where only "holding" operation is involved all
subsequent/downstream investments to be carried out would require prior approval of the Government; •
where proprietary technology is sought to be protected or sophisticated technology is proposed to be brought
in; • where at least 50% of production is to be exported; • proposals for consultancy; and • proposals for
industrial model towns/industrial parks or estates.13. In special cases, where the foreign investor is unable
initially to identify an Indian joint venture partner, the Board may consider and recommend proposals
permitting 100 per cent foreign equity on a temporary basis on the condition that the foreign investor would
divest to the Indian parties (either individual, joint venture partners or general public or both) at least 26 per
cent of its equity within a period of 3-5 years.14. Similarly in the case of a joint venture, where the Indian
partner is unable to raise resources for expansion/ technological upgradation of the existing industrial activity
the Board may consider and recommend increase in the proportion/percentage (up to 100 per cent) of the
foreign equity in the enterprise.15. In respect of trading companies, 100 per cent foreign equity may be
permitted in the case of the activities involving the following: • exports; • bulk imports with ex-port/ex-bonded
warehouse sales; • cash and carry wholesale trading; • other import of goods or services provided at least
75% is for procurement and sale of goods and services among the companies of the same group.16. In
respect of the companies in the infrastructure/services sector where there is a prescribed cap for foreign
investment, only the direct investment should be considered for the prescribed cap and foreign investment in
an investing company should not be set off against this cap provided the foreign direct investment in such
investing company does not exceed 49 per cent and the management of the investing company is with the
Indian owners.17. No condition specific to the letter of approval issued to a foreign investor would be changed
or additional condition imposed subsequent to the issue of a letter of approval. This would not prohibit
changes in general policies and regulations applicable to the industrial sector.18. Where in case of a proposal
(not being 100% subsidiary) foreign direct investment has been approved up to a designated percentage of
foreign equity in the joint venture company the percentage would not be reduced while permitting induction of
additional capital subsequently. Also in the case of approved activities, if the foreign investor(s) concerned
wished to bring in additional capital on later dates keeping the investment to such approved activities, FIPB
5. would recommend such cases for approval on an automatic basis.19. As regards proposal for private sector
banks, the application would be considered only after "in principle" permission is obtained from the Reserve
Bank of India (RBI).20. The restrictions prescribed for proposals in various sectors as obtained, at present,
are given in the annexure - IV and these should be kept in view while considering the proposals. Sl. Sector
Guidelines No. 1 Airports Up to 100%, with FDI beyond 74% requiring Government approval
5. 2 Atomic minerals The following three activities are permitted to receive FDI/NRI investments through FIPB
(as per detailed guidelines issued by Department of Atomic Energy vide Resolution No.8/1(1)/97-PSU/1422
dated 6.10.98): d Mining and mineral separation d Value addition per se to the products of (a) above a
Integrated activities [comprising of both (a) and (b) above.] The following FDI participation is permitted: • Up to
74% in both pure value addition and integrated projects • For pure value addition projects as well as
integrated projects with value addition upto any intermediate stage, FDI is permitted upto 74% through joint
venture companies with Central/State PSUs in which equity holding of at least one PSU is not less than 26% •
In exceptional cases, FDI beyond 74% will be permitted subject to clearance of the Atomic Energy
Commission before FIPB approval3 Agriculture (including No FDI/NRI Investment is permitted other than
plantation) Tea sector. FDI, permitted up to 100% in Tea sector, including tea plantations, with prior
Government approval and subject to following conditions: • Compulsory divestment of 26% equity in favour of
Indian partner/Indian public within a period of five years, and • Prior State government approval required in
case of any future land use change. The above dispensation would be applicable to all fresh investments
(FDI) made in this sector.4 Advertising and films • Advertising sector: FDI up to 100% allowed on the
automatic route • Film sector (film production, exhibition and distribution including related services/products)
FDI up to 100% allowed on the automatic route with no entry level condition5 Broadcasting Broadcasting • TV
Software Production 100% foreign investment allowed subject to: • all future laws on broadcasting and no
claim of any privilege or protection by virtue of approval accorded, and • not undertaking any broadcasting
from Indian soilwithout Government approval
6. • Setting up hardware facilities, such as uplinking, HUB, etc. Private companies incorporated in India with
permissible FII/ NRI/PIO equity within the limits (as in the case of telecom sector FDI limit up to 49% inclusive
of both FDI and portfolio investment) to set up uplinking hub (teleports) for leasing or hiring out their facilities
to broadcasters Foot note:- As regards satellite broadcasting, all TV channels irrespective of management
control to uplink from India provided they undertake to comply with the broadcast (programme & advertising)
code • Cable Network Foreign investment allowed up to 49% (inclusive of both FDI and portfolio investment)
of paid up share capital. Companies with minimum 51% of paid up share capital held by Indian citizens are
eligible under the Cable Television Network Rules (1994) to provide cable TV services • Direct-to-Home
Company with a maximum of foreign equity including FDI/NRI/FII of 49% would be eligible to obtain DTH
License. Within the foreign equity, the FDI component not to exceed 20% • Terrestrial Broadcasting FM The
licensee shall be a company registered in India under the Companies Act. All share holding should be held by
Indians except for the limited portfolio investment by FII/NRI/PIO/OCB subject to such ceiling as may be
decided from time to time. Company shall have no direct investment by foreign entities, NRIs and OCBs. As
of now, the foreign investment is permissible to the extent of 20% portfolio investment • Terrestrial TV No
private operator is allowed in terrestrial TV transmission6 Coal & Lignite • Private Indian companies setting up
or operating power projects as well as coal or lignite mines for captive consumption are allowed FDI up to
100% • 100% FDI is allowed for setting up coal processing plants subject to the condition that the company
shall not do coal mining and shall not sell washed coal or sized coal from its coal processing plants in the
open market and shall supply the washed or sized coal to those parties who are supplying raw coal to coal
processing plants for washing or sizing iii. FDI up to 74% is allowed for exploration or mining of coal or lignite
for captive consumption • In all the above cases, FDI is allowed up to 50%
7. under the automatic route subject to the condition that such investment shall not exceed 49% of the equity
of a PSU7 Domestic Airlines (Detailed guidelines have been issued by Ministry of Civil Aviation) In the
domestic Airlines • FDI up to 40% permitted subject to no direct or indirect equity participation by foreign
6. airlines • 100% investment by NRIs • The automatic route is not available8 Defence & Strategic Foreign Direct
Investment, including NRI Industries investment, is permitted up to 26% with prior Government approval
subject to licensing and security requirements. Detailed guidelines for participation of private sector and
foreign investors in this sector are given in Appendix- IV.9 Drugs & FDI up to 100% is permitted on the
automatic Pharmaceuticals route for manufacture of drugs and pharmaceutical, provided the activity does not
attract compulsory licensing or involve use of recombinant DNA technology, and specific cell / tissue targeted
formulations. FDI proposals for the manufacture of licensable drugs and pharmaceuticals and bulk drugs
produced by recombinant DNA technology, and specific cell / tissue targeted formulations will require prior
Government approval10 Establishment & FDI up to 74% is permitted with prior Government Operation of
Satellite approval11 Hotels & Tourism 100% FDI is permissible in the sector on the automatic route The term
hotels include restaurants, beach resorts, and other tourist complexes providing accommodation and/or
catering and food facilities to tourists. Tourism related industry include travel agencies, tour operating
agencies and tourist transport operating agencies, units providing facilities for cultural, adventure and wild life
experience to tourists, surface, air and water transport facilities to tourists, leisure, entertainment, amusement,
sports, and health units for tourists and Convention/Seminar units and organisations For foreign technology
agreements, automatic approval is granted if • up to 3% of the capital cost of the project is proposed to be
paid for technical and consultancy services including fees for architects, design, supervision, etc. • up to 3%
of net turnover is payable for
8. franchising and marketing/publicity support fee, and • up to 10% of gross operating profit is payable for
management fee, including incentive fee12 Housing & Real No foreign investment is permitted in this sector
Estate except for development of integrated townships and settlements where FDI up to 100% is permitted
with prior Government approval. NRIs are allowed to invest in the following activities • Development of
serviced plots and construction of built up residential premises • Investment in real estate covering
construction of residential and commercial premises including business centres and offices • Development of
townships • City and regional level urban infrastructure facilities, including both roads and bridges •
Investment in manufacture of building materials, which is also open to FDI • Investment in participatory
ventures in (a) to (e) above • Investment in housing finance institutions, which is also open to FDI as an
NBFC13 Investing Companies In respect of the companies in in Infrastructure infrastructure/service sector,
where there is a /Service Sector prescribed cap for foreign investment, only the direct investment will be
considered