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View metadata, citation and similar papers at core.ac.uk brought to you by CORE provided by Etheses - A Saurashtra University Library Service Saurashtra University Re – Accredited Grade ‘B’ by NAAC (CGPA 2.93) Savalia, Jaydeep D., 2006, Role of Small Industries Development Bank of India (SIDBI) in Industrial Development in Gujarat State thesis PhD, Saurashtra University http://etheses.saurashtrauniversity.edu/id/eprint/60 Copyright and moral rights for this thesis are retained by the author A copy can be downloaded for personal non-commercial research or study, without prior permission or charge. This thesis cannot be reproduced or quoted extensively from without first obtaining permission in writing from the Author. The content must not be changed in any way or sold commercially in any format or medium without the formal permission of the Author When referring to this work, full bibliographic details including the author, title, awarding institution and date of the thesis must be given. Saurashtra University Theses Service http://etheses.saurashtrauniversity.edu [email protected] © The Author ROLE OF SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA (SIDBI) IN INDUSTRIAL DEVELOPMENT IN GUJARAT STATE (WITH SPECIAL REFERENCE TO SMALL SCALE INDUSTRIES) A THESIS SUBMITTED TO THE SAURASHTRA UNIVERSITY FOR THE DEGREE OF DOCTOR OF PHILOSOPHY UNDER THE FACULTY OF COMMERCE Submitted By JAYDEEP D . SAVALIA Lecturer in Commerce K.K.PAREKH COMMERCE & B.B.A. COLLEGE, AMRELI Guided By Dr. Sanjay j. Bhayani Associate Professor Department of Business Management (MBA Programme) Saurashtra University Rajkot - 360005 November – 2006 ROLE OF SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA (SIDBI) IN INDUSTRIAL DEVELOPMENT IN GUJARAT STATE (WITH SPECIAL REFERENCE TO SMALL SCALE INDUSTRIES) A THESIS SUBMITTED TO THE SAURASHTRA UNIVERSITY FOR THE DEGREE OF DOCTOR OF PHILOSOPHY UNDER THE FACULTY OF COMMERCE Submitted By JAYDEEP D. SAVALIA Lecturer in Commerce K.K.PAREKH COMMERCE & B.B.A. COLLEGE, AMRELI Guided By Dr. Sanjay j. Bhayani Associate Professor Department of Business Management (MBA Programme) Saurashtra University Rajkot - 360005 November – 2006 Department of Business Management (M.B.A. Programme) Saurashtra University Dr. Sanjay J. Bhayani Associate Professor University Road, Rajkot – 360 005, Residence: Gujarat, India. Phone :(O) 0281–2577461 (R) 0281- 2587081 “SANNIDHYA” GRAM: UNIVERSITY (Mobile) 9898360288 Shakti Nagar, Nr. Sampati – 1 E-mail: [email protected] Apartment, University Road, www.sumba.org.in RAJKOT – 360 005 (Gujarat) Date: CERTIFICATE It is certified that the thesis entitled “ROLE OF SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA (SIDBI) IN INDUSTRIAL DEVELOPMENT IN GUJARAT STATE (WITH SPECIAL REFERENCE TO SMALL SCALE INDUSTRIES)” is a record of research work done by Mr.J.D.Savalia during the period of study under my supervision and that the thesis has not formed the basis for the award of any degree, diploma, associateship, fellowship or similar title to the candidate and that the thesis represents independent work on the part of the candidate. Dr. Sanjay J. Bhayani Research Supervisor Date: DECLARATION I declare that the Ph.D thesis entitled “ROLE OF SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA (SIDBI) IN INDUSTRIAL DEVELOPMENT IN GUJARAT STATE (WITH SPECIAL REFERENCE TO SMALL SCALE INDUSTRIES)” is a record of independent research work carried out by me under the supervision and guidance of Dr. Sanjay Bhayani Associate Professor, Department of Business Management, (MBA Programme), Saurashtra University, Rajkot. This has not been previously submitted for the award of any diploma, degree, associateship or other similar title. Jaydeep D. Savalia › •• H I z L Z F D •• Dedicated to My Father Dr. Prof. Dhirajlal L. Savalia & Mother Smt.Leelaben D.Savalia CONTENTS CHAPTER PARTICULARS PAGE Nos. Nos. Preface I Acknowledgement IV List of Tables VI List of Charts & Graph VIII List of Abbreviations X CHAPTER - 1 - INTRODUCTION 1 CHAPTER - 2 - SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA - “An Over View” 61 CHAPTER - 3 - RESEARCH DESIGN 135 CHAPTER - 4 - SMALL SCALE INDUSTRIES IN GUJARAT 162 CHAPTER - 5 - PERFORMANCE OF SIDBI IN INDUSTRIAL DEVELOPMENT OF SSIs 257 CHAPTER - 6 - ANALYSIS OF PROMOTIONAL AND DEVELOPMENTAL ACTIVITIES OF SIDBI 300 CHAPTER - 7 - ANALYSIS OF FINANCIAL POSITION OF SIDBI 331 CHAPTER - 8 - SUMMARY, CONCLUSION AND SUGGESTIONS 351 BIBLIOGRAPHY BIBLIOGRAPHY: - ALMOULA N. L., Operations of the Reserve Bank OF India, 1960, Asia Publishing House – Bombay. ATHREYA N. H. – Small-Scale Entrepreneurship Development Some Manageable Factors, 1997, New Delhi. BASU S. K. – The Theory and Practice of Development Banking in India – 1965, Ludhiyana. BHATIAB.S. & BATRAG.S, Entrepreneurship and Small Business Management, 2002, Deep & Deep publication Pvt. Ltd.-New Delhi. BHATIA R. 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