The main types of financial and promotional assistance provided to the industry by the IDBI are given below:
(i) Term loans (both rupee and foreign currency).
(ii) Underwriting of and subscription to shares and debentures.
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(iii) Financial guarantees for deferred credits and loans raised from other sources.
(iv) Soft loan assistance for modernisation.
(v) Under the Technical Development Fund Schemes, matching rupee resources by way of direct loans to industrial units which are recipients of import licences under TDF. Scheme of Government of India.
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(vi) Under the Equipment Finance Scheme, loan assistance for import of capital goods or equipments by existing industries against IDBI credit or for imports covered by TDF licences.
(vii)Under the Technical Assistance Fund Scheme:
(a) Assistance for Entrepreneurship Development Programmes.
(b) Assistance for self-employment of blind and handicapped.
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(c) Subsidy for turnkey arrangements entrusted to approved technical consultancy organisation (TCOs).
(viii) Seed capital assistance through SFCs and SIDCs to new entrepreneurs who do not have adequate source of their own for setting up industrial projects.
(ix) Refinance facilities to State level financial institutions and banks for providing assistance to small and medium industrial projects.
(x) 100 per cent refinance in respect of composite term loan upto Rs.25,000 sanctioned to artisans, village and cottage industries and SSI units in tiny sector and projects promoted by SC/ST and physically handicapped.
(xi) Special scheme of concessional refinance assistance to small-scale units covered under the credit guarantee scheme.
(xii)Refinance against loans upto Rs.2 lakhs granted to technician entrepreneurs by SFCs without insisting on promoter’s contribution and at concessional rate of interest.
(xiii) Concessional finance for industries in the notified backward areas.
(xiv) Under the Textile Modernisation Fund Scheme, assistance for modernisation on concessional terms to spinning and composite textile and woollen mills.
(xv) Under the Venture Capital Fund Scheme, financial assistance for projects involving development and use of indigenous technology as well as for adaptation and use of imported technology.
(xvi) Under the Technology Upgradation Scheme, assistance for selected capital goods industries.
(xvii) Scheme for providing Automatic Standby Credit for payment of enhanced customs duty on project imports.