सार्वजनिक क्षेत्रातील तीन महत्त्वाच्या वित्तिय संस्था मागासलेल्या भागात सुरू झालेल्या प्रकल्पांना सवलतीच्या दराने वित्तपुरवठा करतात

The correct answer is Option B (IDBI, ICICI, IFCI).

Key Points:
• To rectify regional industrial imbalances, the Government introduced dedicated concessional finance schemes for projects set up in notified industrially backward districts through national-level development financial institutions (DFIs).
• The Three Pioneer Institutions:
• IFCI (Industrial Finance Corporation of India, established in 1948): First DFI created to cater to long-term industrial requirements.
• ICICI (Industrial Credit and Investment Corporation of India, established in 1955 with World Bank support).
• IDBI (Industrial Development Bank of India, established in 1964 under RBI, made autonomous in 1976).
• Together, IDBI, ICICI, and IFCI operated joint refinance schemes and offered concessional terms including lower interest rates, extended moratorium periods, and longer repayment schedules to promote industrialization in backward areas.
• Elimination Method: Options containing RBI (Option 1 & 4) are eliminated because the RBI is a central bank and regulator, not a direct lending institution to industrial projects.
• Hence, Option 2 is the correct answer.
• Key Takeaway: IDBI, ICICI, and IFCI were the premier development financial institutions providing concessional finance to industries in backward areas.