Products and Services of IDBI

Term Loans: IDBI offers term loans to businesses and industries for various purposes, including project financing, expansion, and working capital requirements.
Infrastructure Financing: IDBI specialises in financing infrastructure projects such as roads, ports, power plants, and more.
Agricultural Loans: Agricultural loans are extended to support farming activities and related agricultural projects.
Retail Loans: IDBI Bank, as a subsidiary, offers retail loans to individuals, including personal loans, home loans, auto loans, and education loans.

Savings Accounts: IDBI provides savings account services to individuals and businesses, allowing them to save and transact.
Fixed Deposits: Customers can invest their money in fixed deposits with competitive interest rates.
Recurring Deposits: These accounts enable individuals to save a fixed amount regularly over a specified period.
Current Accounts: Current accounts are tailored for businesses and provide transactional services.

Corporate Banking Services: IDBI offers a range of corporate banking services, including cash management, trade finance, and treasury operations.
Retail Banking Services: IDBI Bank provides retail banking services to individuals, such as savings and current accounts, debit and credit cards, and online banking.

Underwriting: IDBI participates in underwriting securities, including initial public offerings (IPOs) and follow-on public offerings (FPOs).
Merchant Banking: IDBI provides merchant banking services for corporate clients, helping them with financial advisory, capital restructuring, and mergers and acquisitions.
Portfolio Management Services: IDBI may offer portfolio management services (PMS) to high-net-worth individuals and institutions. PMS involves the professional management of investment portfolios to achieve specific financial goals and objectives. IDBI’s PMS services may include investment advisory, portfolio construction, and ongoing monitoring and rebalancing of portfolios.

Mergers and Acquisitions (M&A): IDBI provides advisory services to companies engaged in M&A transactions. This includes identifying potential merger or acquisition targets, conducting due diligence, and structuring deals to maximise value for the clients.
Valuation Services: IDBI helps clients assess the value of businesses or assets, which is crucial for various financial transactions, including mergers, acquisitions, and fundraising.
Corporate Restructuring: IDBI offers financial advisory services to companies looking to restructure their capital, operations, or ownership. This can involve divestitures, spin-offs, or other strategic changes to improve efficiency and profitability.

Project Identification and Feasibility Studies: IDBI’s technical experts assist businesses in identifying viable projects and conducting feasibility studies. This involves evaluating the technical, financial, economic, and operational aspects of a proposed project to determine its potential for success.
Project Planning and Design: Once a project is identified and deemed feasible, IDBI provides consultancy in project planning and design. This includes creating detailed project reports, outlining the project’s scope, objectives, and execution plan.
Financial Structuring and Fund Arrangement: IDBI assists in structuring the financial aspects of projects. It helps businesses determine the optimal mix of debt and equity financing, as well as sources of funding, including loans, grants, or equity investments.

IDBI | Full Form, Functions, Subsidiaries and Services