Term Lending Financial Institutions:
The following financial institutions cater major part of the financial needs of the industrial sector:
All India Financial Institutions:


1.      Industrial Development Bank of India (IDBI)
2.      Industrial Finance Corporation of India (IFCI)
3.      Export – Import Bank of India (EXIM Bank)
4.      Industrial Reconstruction Bank of India (IRBI) now (Industrial Investment Bank of India)
5.      National Bank for Agriculture and Rural Development (NABARD)
6.      Small Industries Development Bank of India (SIDBI)
7.      National Housing Bank (NHB)
8.      Unit Trust of India (UTI)
9.      Life Insurance Corporation of India (LIC)
10.  General Insurance Corporation of India (GIC)
11.  Risk Capital and Technology Finance Corporation Ltd. (RCTC)
12.  Technology Development and Information Company of India Ltd. (TDICI)
13.  Tourism Finance Corporation of India Ltd. (TFCI)
14.  Shipping Credit and Investment Company of India Ltd. (SCICI)
15.  Discount and Finance House of India Ltd. (DFHI)
16.  Securities Trading Corporation of India Ltd. (STCI)
17.  Power Finance Corporation Ltd.
18.  Rural Electrification Corporation Ltd.
19.  Indian Railways Finance Corporation Ltd.
20.  Infrastructure Development Finance Corporation Ltd.
21.  Housing and Urban Development Corporation Ltd. (HUDCO)
22.  Indian Renewable Energy Development Agency Ltd. (IREDA)
23.  State Finance Corporations
24.  State Industrial Development Corporations
25.  New India Assurance Company Limited
26.  Oriental Insurance Company Limited
27.  United India Assurance Company Limited
28.  National Insurance Company Limited

Various term lending institutions grant term loans for various purposes. These institutions are mainly:
a.      EXIM Bank
c.       Commercial Banks
d.      Co-operative Banks
e.       NBFCs

The EXIM Bank primarily caters to the need of the exporters. IDBI, ICICI, SICOM, SIDBI, IFCI, SFCs grant term loans for commercial purpose only. Commercial Banks, Co-operative Banks, NBFCs grant term loans for commercial as well as consumer purposes.

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