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Small Industries Development Bank of India (SIDBI), set up on April 2, 1990 under an Act of Indian Parliament, is the Principal Financial Institution for the Promotion, Financing and Development of the Micro, Small and Medium Enterprise (MSME) sector and for Co-ordination of the functions of the institutions engaged in similar activities.
Provision of Charter
SIDBI was established on April 2, 1990. The Charter establishing it, The Small Industries Development Bank of India Act, 1989 envisaged SIDBI to be "the principal financial institution for the promotion, financing and development of industry in the small scale sector and to co-ordinate the functions of the institutions engaged in the promotion and financing or developing industry in the small scale sector and for matters connected therewith or incidental thereto.
SIDBI retained its position in the top 30 Development Banks of the World in the ranking of The Banker, London. As per the May 2001 issue of The Banker, London, SIDBI ranked 25th both in terms of Capital and Assets.
Objectives
Mandatory Objectives
Four basic objectives are set out in the SIDBI Charter. They are:
for orderly growth of industry in the small scale sector. The Charter has provided SIDBI considerable flexibility in adopting appropriate operational strategies to meet these objectives. The activities of SIDBI, as they have evolved over the period of time, now meet almost all the requirements of small scale industries which fall into a wide spectrum constituting modern and technologically superior units at one end and traditional units at the other
Development Outlook
The major issues confronting MSMEs are identified to be:
Technology obsolescence Managerial inadequacies Delayed Payments Poor Quality Incidence of Sickness Lack of Appropriate Infrastructure and Lack of Marketing Network
There can be many more similar issues hindering the orderly growth of MSMEs. Over the years, SIDBI has put in place financing schemes either through its direct financing mechanism or through indirect assistance mechanism and special focus programmes under its P&D
initiatives. In its approach, SIDBI has struck a good balance between financing and providing other support services.
Improved levels of co-ordination for development of the small scale sector is also achieved through a system of dialogue and obtaining feedback from the representatives of institutions of small scale industries who are on the SIDBI's National Advisory Committee and Regional Advisory Committees.
SIDBI has entered into Memoranda of Understanding with many banks, governmental agencies, international agencies, research & development institutions and industry associations to facilitate a co-ordinated approach in dealing with the issues for development of small scale industries.
SIDBI's MOUs
Banks-(18) Swiss Agency for Development and Co-operation Small Industries Development Organisation Auto Components Manufactures Association Council for Scientific and Industrial Research Asia and Pacific Centre for Transfer of Technology United Nations Industrial Development Organisation Confederation of Indian Industry National Research Development Organisation Government of India for channelising TREAD assistance Small Enterprise Assistance Funds (SEAF) For setting up of SEAF India SME Equity Fund and for other capacity building initiatives for SMEs
Mission
"To facilitate and strengthen credit flow to MSMEs and address both financial and developmental gaps in the MSME eco-system"
Vision
To emerge as a single window for meeting the financial and developmental needs of the MSME sector to make it strong, vibrant and globally competitive, to position SIDBI Brand as the preferred and customer - friendly institution and for enhancement of share - holder wealth and highest corporate values through modern technology platform
Shareholding
The entire issued capital of Rs.450 crore has been divided into 45 crore shares of Rs.10 each. Of the total Rs.450 crore subscribed by IDBI, while setting up of SIDBI, 19.21% has been retained by it and balance 80.79% has been transferred / divested in favour of banks / institutions / insurance companies owned and controlled by the Central Government as per the following details:
SL. NO.
% OF HOLDING
86,450,000
19.21
69,900,000
15.53
64,950,000
14.43
21,200,000
4.71
Bank of Baroda
19,800,000
4.40
Canara Bank
16,700,000
3.71
16,000,000
3.56
Bank of India
15,100,000
3.36
12,700,000
2.82
10
9,500,000
2.11
11
9,500,000
2.11
12
8,300,000
1.84
13
Corporation Bank
7,900,000
1.76
14
7,900,000
1.76
15
Allahabad Bank
6,300,000
1.40
16
6,300,000
1.40
17
6,300,000
1.40
18
6,300,000
1.40
19
6,300,000
1.40
20
6,300,000
1.40
21
Syndicate Bank
6,300,000
1.40
22
Dena Bank
4,800,000
1.07
23
4,800,000
1.07
24
4,800,000
1.07
25
Andhra Bank
3,200,000
0.71
26
Bank of Maharashtra
3,200,000
0.71
27
3,200,000
0.71
28
3,200,000
0.71
29
3,200,000
0.71
30
UCO Bank
3,200,000
0.71
31
3,200,000
0.71
32
1,600,000
0.36
33
Vijaya Bank
1,600,000
0.36
Grand Total
450,000,000
100
Managenent
The Ministry of Finance, Government of India have vide their Notification dated April 01, 2011, appointed Shri S. Muhnot as the Chairman and Managing Director of Small Industries Development Bank of India (SIDBI). Prior to taking up this assignment, Shri Muhnot was the Executive Director of IDBI Ltd. Before that, he was the Managing Director and CEO of IDBI Capital Market Services Ltd.
Shri Muhnot is a B. Text (Tech), MBA, Certified Associate of Indian Institute of Bankers and Masters in Ecology and Environment.
Shri Muhnot has wide experience in banking and financing the industrial sector in India. Of his 32 years experience, he has spent 28 years in IDBI Bank where he worked in varied capacities of project finance, treasury operations, business development, capital markets, merchant banking, trade finance, etc. His key milestone achievements include, growing outreach and retail business of IDBI Bank Ltd. and IDBI Capital, setting up of investment banking division, effective utilization of foreign lines of credit/ technical assistance/IDA etc, ISO:9000 certification for treasury and trade finance departments of IDBI Bank Ltd etc.
0522- 22 88 501
email: cmd@sidbi.in
0522- 22 88 508 0522- 22 88 858 011- 2306 1176 email: dcmsme@nic.in
Government Director
Shri J. Chandrasekaran
Shri B. Manivannan
10
11
011-26259607 / 26259608
12
Co-opted Director
022-2635-3456
13
Co-opted Director
14
Co-opted Director
022-2884 5554
DESIGNATION - VERTICAL
CONTACT DETAILS
E-MAIL ID
Prabhat Agarwal
05222285510
prabhat@sidbi.in
HEADS OF VERTICALS
Name (Smt./Shri) Designation - Vertical Contact Details Lucknow R.K.Srivastava Country Head Centralisation of Back-office operations 05222288264 rksriv@sidbi.in e-mail ID
S Gunasegaran
05222287041
sguna@sidbi.in
P K Saha
05222288461
pksaha@sidbi.in
M. Subramanian
05222286838
msubbu@sidbi.in
B K Bose
0522-
bkbose@sidbi.in
2288872
Harsh Kaul
02226521294
harshk@sidbi.in
Bhama Krishnamurthy
02226541129
bhama@sidbi.in
S. L. Choudhury
02226540024
sandeep@sidbi.in
02226540021
kgalai@sidbi.in
R.P.Malik
02267531139
rpmalik@sidbi.in
Namgial
02226505790
namgial@sidbi.in
Ram Nath
02226541127
ramnath@sidbi.in
U.J.Lalwani
Country Head Corporate Accounts, Taxation, RBI Coordination , Compliances and MISD, Business Plan Budgeting, Review and
02226504797
ulalwani@sidbi.in
Monitoring
Ramesh G.Dharmaji
Country Head Loan Facilitation Services, Credit Advisory Centres, smallB website and TCOs
02226540025
rdharmaji@sidbi.in
N K Madan
Country Head RFS and Factoring Services, Trade Financing, Infrastructure and Corporate Image Enhancement
02267531241
nkmadan@sidbi.in
Country Head - Legal Vertical (Operations & Policy) Country Head HR, Training and Board Division
mahalwar@sidbi.in
dghosh@sidbi.in
R K Das
Country Head - Energy Efficiency and Clean Technology, Information Technology, Economic / MSME Research & Publication, MIS
rkdas@sidbi.in
New Delhi A. K. Kapur Country Head Energy Efficiency, Clean Technologies, including related Structured Debt 01123535395 akkapur@sidbi.in
REGIONAL MANAGERS
Region Name [S/Shri] Designatio n Jurisdiction Offices and States Contact Details Email ID
Ahmedaba d
K.C.Bhanoo
General Manager
0792754108 5
bhanoo@sidbi.in
Bangalore
K Natarajan
General Manager
0806717150 1
knataraj@sidbi.in
Chandigarh
General Manager
Chandigarh, Jammu, Ludhiana, Jalandhar, Shimla and XBO - J&K, Punjab, Himachal Pradesh
01725000652
paramjot@sidbi.in
Chennai
V. Sridharan
General Manager
0442841370 1
vsridharan@sidbi.in
Coimbatore
P. Raveendrada s
General Manager
Coimbatore, Kochi, Tirupur, Erode and XBOs Kerala and Tamil Nadu
04222243896
mprdas@sidbi.in
Faridabad
General Manager
01292412246
rajni@sidbi.in
Guwahati
Rahul Rohatgi
General Manager
Guwahati, Aizawl, Agartala, Dimapur, Gangtok, Imphal, Itanagar, Shillong - All North Eastern States
03612529159
rrohatgi@sidbi.in
Hyderabad
S.Mallikarjun
General Manager
040 2323090 3
smallik@sidbi.in
Indore
Allada Sreenivas
General Manager
Indore, Bhopal, Nagpur, Raipur and XBOs Madhya Pradesh, Chhatisgarh & part of Maharashtra.
07312541191
asreenivas@sidbi.in
Jaipur
M. K. Sharma
General Manager
01412368959
mksharma@sidbi.in
Kolkatta
S Ramakrishna n
General Manager
Kolkata, Bhubaneshwar , Ranchi, Jamshedpur, Rourkela, Patna & XBOs West Bengal, Bihar, Jharkhand and
0332290416 5
sramakrishnan@sidbi.i n
Odisha
Lucknow
V S Hedaoo
General Manager
05222288941
hedaoo@sidbi.in
Mumbai
Sanjay Goyal
General Manager
Andheri, BKC, Mumbai Metro, Thane and Panaji Mumbai and Goa
0226753134 7
sgoyal@sidbi.in
New Delhi
Manoj Mittal
General Manager
New Delhi, NOIDA, Dehradun and XBOs New Delhi, Uttarakhand and part of Uttar Pradesh.
011 2368246 3
manojmittal@sidbi.in
Pune
Pradeep Malgaonkar
General Manager
0202567511
pradeepm@sidbi.in
Our Associates
CREDIT GUARANTEE FUND TRUST FOR MICRO AND SMALL ENTERPRISES (CGTMSE)
Credit to micro and small enterprises sector is generally perceived as high risk lending, more so, when there is absence of any collateral. In order to encourage banks to lend more to this sector, Government of India and SIDBI have set up the Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) in July 2000, to provide credit guarantee support to collateral free / third-party guarantee free loans up to Rs. 100 lakh extended by banks and lending institutions for micro and small enterprise (MSEs) under its Credit Guarantee Scheme (CGS).
In order to strengthen and accelerate the process of technological modernization in the MSME sector, ISTSL has entered into partnership with various national and international organizations engaged in similar activities. ISTSL took up the project for implementing Energy Efficient technologies in Stainless Steel Re-rolling Cluster of Jodhpur, in association with KfW, Germany. The project is now being taken up for implementing Clean Development Mechanism (CDM) project by implementing Energy Efficiency measures, which are expected to generate CDM revenues, besides reducing the cost of fuel being consumed by the units.
Subsidary
CoRpoRate Governance
Fare Practices Code
1. Applications for loans and their processing a) SIDBI has a comprehensive loan application form for the borrowers including those seeking assistance up to Rs.2 lakh. In respect of assistance/ loans of upto Rs.5 lakh per borrower, no upfront fee/ processing fee is charged. Besides, the facility of prepayment of such loans would be available and no premium would be charged by SIDBI for such prepayment from such borrowers. In respect of assistance/ loans above Rs.5 lakh per borrower, upfront fee/ processing fee upto 2% of assistance sought may be charged. The fee may be refunded in full in case the applicant is not sanctioned any financial assistance. The facility of prepayment of loans would be available and premium, calculated as per the extant instructions, would be charged by SIDBI for such prepayment from borrowers sanctioned assistance above Rs.5 lakh.
b) SIDBI would provide acknowledgements for receipt of all loan applications. The Bank has put in place risk assessment tools for credit rating which have enabled it to directly reach out to smaller customers in the SME segment by cutting down the appraisal and processing time. Time frame for disposal of loan applications, from the date of satisfactory receipt of complete information/ data/ clarifications/ reports, etc., would also be indicated in the acknowledgement of such applications.
c) The Bank would dispose of commercial loan applications upto Rs.2 lakh within 15 working days after satisfactory receipt of complete information/ data/ clarifications/ reports, etc. The Bank would endeavour to dispose of commercial loan applications above Rs.2 lakh , normally within a period of 15 working days for proposals falling within the purview of RO/BOs and further period of 15 working days for proposals to be referred to ZO/HO, after satisfactory receipt of complete information/ data/ clarifications/ reports, etc. from the applicant
d) SIDBI would verify the loan applications within a reasonable period of time. If additional details/ documents are required, borrowers would be intimated at the earliest.
e) In case of all applications which are denied financial assistance, on account of not being found supportworthy as per the policy framework and/or risk perception of the Bank, either with or without detailed appraisal, SIDBI would convey in writing, the main reason/ reasons which in the opinion of the Bank after due consideration, have led to rejection of the loan applications. Such communication to the applicant would normally be despatched within 10 working days of the rejection.
a) With the operationalisation of the Risk Assessment Model, which is an exercise in detailed risk analysis of the various facets of the projects, SIDBI ensures that there is proper and scientific assessment of credit application submitted by borrowers. The Bank would carry out detailed due diligence and appraisal exercise on credit worthiness of the borrower/ project and would not use margin and security stipulation as a substitute.
b) SIDBI would convey to the borrower the loan/ credit limit along with the terms and conditions thereof and would keep the borrower's acceptance of these terms and conditions given with his full knowledge on record.
c) Terms and conditions and other caveats governing credit facilities given by SIDBI arrived at after negotiation between SIDBI and borrower would be reduced to writing and duly certified by SIDBI's authorised official. A copy of loan agreement along with a copy each of all enclosures quoted in the loan agreement would be furnished to the borrower.
d) As far as possible, SIDBI would endeavour that the loan agreement clearly stipulates credit facilities that are solely at the discretion of SIDBI. These may include approval or disallowance of facilities, such as, drawings beyond the sanctioned limits, honouring cheques issued for the purpose other than specifically agreed to in the credit sanction, and disallowing drawing on a
borrowal account on its classification as a non-performing asset or on account of noncompliance with the terms of sanction. It would also be specifically stated that SIDBI does not have any obligation to meet further requirements of the borrowers on account of growth in business etc., without proper review of credit limits.
e) In the case of lending under consortium arrangement, SIDBI, as a participating lender, would evolve procedures to complete appraisal of proposals in the time bound manner to the extent feasible, and communicate its decision on financing or otherwise within a reasonable time.
3. Disbursement of loans including changes in terms and conditions SIDBI would ensure timely disbursement of loans sanctioned in conformity with the terms and conditions governing such sanction. SIDBI would give notice of any change in the terms and conditions including interest rates, service charges, etc. The Bank would also ensure that changes in interest rates and charges are levied on disbursements only with prospective effect.
a) Post disbursement supervision by SIDBI, particularly in respect of loans upto Rs.2 lakh, would be constructive with a view to taking care of any "SIDBI-related" genuine difficulty that the borrower may face.
b) Before taking a decision to recall/ accelerate payment or performance under the agreement or seeking additional securities, SIDBI would give notice to borrowers, as specified in the loan agreement or a reasonable period if no such condition exists in the loan agreement.
c) SIDBI would release all securities on receiving payment of loan or realisation of loan subject to any legitimate right or lien for any other claim SIDBI may have against borrowers. If such right of set off is to be exercised, borrowers shall be given notice about the same with full particulars about the remaining claims and the documents under with SIDBI is entitled to retain the securities till the relevant claim is settled/ paid
5. General
a) SIDBI would restrain from interference in the affairs of the borrowers except for what is provided in the terms and conditions of the loan sanction documents (unless new information, not earlier disclosed by the borrower has come to the notice of SIDBI).
b) SIDBI would not discriminate on grounds of sex, caste and religion in the matter of lending. However, this does not preclude SIDBI from participating in credit linked schemes framed for weaker sections of the society.
c) In the matter of recovery of loans, SIDBI would not resort to undue harassment viz. persistently bothering the borrowers at odd hours, use of muscle power for recovery of loans, etc.
d) In case of receipt of request for transfer of borrowal account, either from borrower or from a bank/ financial institution, which proposes to take over the account, the consent or otherwise i.e. objection of SIDBI, if any, would normally be conveyed within 21 working days from the date of receipt of request.
6. Grievance Redressal Mechanism SIDBI has a Complaints and Grievance Redressal Policy in place to resolve the disputes arising interalia out of Fair Practices Code. The mechanism ensures that all disputes arising out of the decisions of SIDBI's functionaries are heard and disposed of by the Competent Complaint / Grievance Redressal Authority. Besides, in case, the complainant is not satisfied with the redressal step, the provision of complainant making an appeal to the appellate authority is also available.
1. Term loan
Expenses on legal/title search, visits, secretarial search, valuation of securities and security creation
On actual basis.
Interest rate
5 6
Penalty for delayed repayments Prepayment interest - based on the remaining period of loan
2%< 1-3%
Sr.No 1
Expenses on legal/title search, visits, secretarial search, valuation of securities and security creation
On actual basis.
Interest rate
6 7
2% Nil
SNo 1
Expenses on legal/title search, visits, secretarial search, valuation of securities and security creation
On actual basis.
6 7
2% Nil
SNo 1
Expenses on legal/title search, visits, secretarial search, valuation of securities and security creation
On actual basis.
Discount rate
Handling charges
2%
Prepayment interest
Nil
SNo 1 2
Fees/charges Upfront fees/processing fees - one time payment Annual review / renewal charges
Expenses on legal/title search, visits, secretarial search, valuation of securities and security creation
On actual basis.
6 7
2% Nil
Guarantee Scheme
SNo 1
Rate 0.25% to 0.50% of the Guarantee amount / limit to be charged upfront before issue of Letter of sanction / renewal of limit + applicable service tax
Guarantee commission
Financial Guarantee : 1.5% to 3% p.a. + applicable service tax Performance Guarantee : 1% to 2% p.a. + applicable service tax
Expenses on legal/title search, visits, secretarial search, valuation of securities and security creation
On actual basis.
PLR + 4%
SNo 1
Rate Upto 30 day bills : 0.20% Above 30 day bills : 0.30% for first 3 months and 0.10% for every additional 3 months
Commitment charges
0.25% for every 3 months or part thereof for entire period of liability subject to minimum of 1000/- (including usance charges) 0.25% of the bills retired
Retirement charges
Amendment charges
1.Upfront fee is payable at the time of sanction. However, no upfront fee/ processing fee will be charged for loans amount of upto Rs.5 lakh per borrower. Further, the fee may be refunded in full in case the applicant is not sanctioned any financial assistance.
2.No pre-payment charges will be charged by SIDBI from borrowers whose total loan amount is upto Rs.5 lakh. Prepayment interest will be charged depending upon remaining period of the loan i.e. 1% upto 1 year, 2% upto 3 years and 3% in r/o loans with remaining period of more than 3 years.
VIGILANCE
Public Notice
"DO NOT PAY BRIBES. IF ANYBODY OF THIS OFFICE ASKS FOR BRIBE OR IF YOU HAVE ANY INFORMATION ON CORRUPTION IN THIS OFFICE OR IF YOU ARE A VICTIM OF CORRUPTION IN THIS OFFICE, YOU CAN COMPLAIN TO THE HEAD OF THIS DEPARTMENT, OR THE CHIEF VIGILANCE OFFICER / THE SUPRINTENDENT OF POLICE, CENTRAL BUREAU OF
All complaints to the Central Vigilance Commission may be made in terms of its 'Complaint Handling Policy' which is available in public domain on the Commissions website i.e. www.cvc.gov.in. Complaints can also be lodged online on Commissions website.
Shri Sushil Muhnot Chairman and Managing Director, Small Industries Development Bank of India, SIDBI Tower, 15, Ashok Marg, Lucknow- 226001.
Shri Prabhat Agarwal Chief Vigilance Officer, Small Industries Development Bank of India, SIDBI Tower, 15, Ashok Marg, Lucknow - 226 001 Tele No
The Secretary
Shri ...............
Central Vigilance Commissioner, Government of India, Satarkata Bhawan, GPO Complex, Block A, INA, New Delhi - 110 023 Tele No. 011 - 24618891
Superintendent of Police, Central Bureau of Investigation [Name & Address may be added as per the location] Tele No. : ....................... Fax No. : .......................
Tele.No. 0522 -2288501 Fax No. 0522 -2288494 Email Add. cmd@sidbi.in
Highlights
As a socially responsible organization, the Bank believes in conducting its affairs in a fair and transparent manner by adopting the highest standards of professionalism, honesty, integrity and ethical behaviour. It is committed to developing a culture where it is safe for all to raise concerns about any unacceptable / unethical practice and any event of misconduct at any level. Accordingly, it has been decided to introduce a Whistle Blower Policy in the Bank, as given below :Important Features 1. CVC shall, as the Designated Agency appointed by the Government of India, receive written complaints or disclosure on any allegation of corruption or of misuse of office by any employee of the Bank. 2. The Designated Agency will ascertain the identity of the complainant ; if the complainant is anonymous, it shall not take any action in the matter.
3. The identity of the complainant will not be revealed unless the complainant himself / herself has made either the details of the complaint public or disclosed his /her identity to any other office or authority.
4. While calling for further report/investigation, CVC shall not disclose the identity of the informant and also shall request the concerned head of the organisation to keep the identity of the informant a secret, if for any reason the head comes to know the identity. 5. CVC shall be authorised to call upon the CBI or the police authorities, as considered necessary, to render all assistance to complete the investigation pursuant to the complaint received. 6. If any person is aggrieved by any action on the ground that he is being victimized due to the fact that he had filed a complaint or disclosure, he may file an application before CVC seeking redress in the matter, wherein CVC may give suitable directions to the concerned person or the authority. 7. If CVC is of the opinion that either the complainant or the witnesses need protection, it shall issue appropriate directions to the concerned government authorities. 8. In case CVC finds the complaint to be motivated or vexatious, it shall be at liberty to take appropriate steps.
9. CVC shall not entertain or inquire into any disclosure in respect of which a formal and public
inquiry has been ordered under the Public Servants Inquiries Act, 1850, or a matter that has been referred for inquiry under the Commissions of Inquiry Act, 1952.
10. In the event of the identity of the informant being disclosed in spite of CVCs directions to the contrary, CVC is authorised to initiate appropriate action as per extant regulations against the person or agency making such disclosure.
Modalities to be observed while lodging complaints under Whistle Blower Policy Any complaint which is to be made under this policy should comply with the following aspects :
1. The complaint should be in a closed / secured envelope and must be sent directly to the Central Vigilance Commission, at the following address: The Secretary, Central Vigilance Commission, Government of India, Satarkata Bhavan, GPO New Complex, Block Delhi-110 A, INA, 023
2. The envelope should be addressed to Secretary, Central Vigilance Commission and should be superscribed Complaint under the Public Interest Disclosure. If the envelope is not superscribed and closed, it will not be possible for CVC to protect the complainant under the above resolution and the complaint will be dealt with as per the normal complaint policy of CVC. The complainant should give his/her name and address in the beginning or end of complaint 3. CVC will or not in entertain an anonymous / attached pseudonymous letter. complaints.
4. The text of the complaint should be carefully drafted so as not to give any details or clue as to his/her identity. However, the details of the complaint should be specific and verifiable. 5. In order to protect identity of the person, CVC will not issue any acknowledgement and the whistle-blowers are advised not to enter into any further correspondence with CVC in their own interest. CVC assures that, subject to the facts of the case being verifiable, it will take the necessary action, as provided under the Government of India Resolution on PIDPI. If any further clarification is required, CVC will get in touch with the complainant.
6. The Commission can also take action against complainants making motivated/vexatious complaints under this Resolution.
Right to Information
Right to Information related information available for downloading
Right to Information Act Right to Information Rules 2012 Organisation Chart Pay Scale (as on Dec 31st, 2012) Subordinate Legislations Details of Central Public Information Officer (CPIO) and Appelate Authority List of Central Assistant Public Information Officers (CAPIOs) Transparency Officer under the Right to Information Act, 2005 in SIDBI Cost of providing information to the applicants Information under section 4 (1)(b) of the Right to Information Act, 2005
Subordinate Legislation
Gazette Notification Date 1 2 3 24/05/2012 24/01/2012 01/06/2011 Amended SIDBI Staff Regulation Amendment in SIDBI (Staff) Regulations, 2001 Small Industries Development Bank of India (Employees Provident Fund) [Amendment] Regulations, 2011 4 16/11/2010 SIDBI (Payment of Gratuity to Employees) [Amendment] Regulations, 2010 5 6 7 20/07/2006 02/07/2004 09/03/2004 SIDBI (Issue and Management of Bonds) Regulations, 1990 Small Industries Development Bank of India Act, 1989. SIDBI (Employees' Provident Fund) Regulations, 1990 as Description
amended by SIDBI [Employees' Provident Fund] (Amendment) Regulations, 2004 8 9 10 11 12 26/07/2003 14/05/2003 17/07/2002 26/12/2001 13/11/2000 SIDBI (Appeal to the Central Government) Rules, 2003 SIDBI Gratuity (Amendment) Regulations, 2003 SIDBI Pension Regulations, 2002 SIDBI Staff Regulations, 2001 General Regulations, 2000
Appellate Authority
DESIGNATION NAME
OFFICE
ADDRESS
Appellate Authority
Mumbai Office
Mumbai - 400051
Tel: 022-67531207
Shri P. K. Saha
Shri U. S. Lal
Tel no.
0522-2287031
Shri S. S. Samarth
General Manager
Tel no.
0522-2286559