<P> All India Financial Institutions (AIFI) is a group composed of Development Finance Institutions (DFI) and Investment Institutions that play a pivotal role in the financial markets . Also known as "financial instruments", the financial institutions assist in the proper allocation of resources, sourcing from businesses that have a surplus and distributing to others who have deficits - this also assists with ensuring the continued circulation of money in the economy . Possibly of greatest significance, the financial institutions act as an intermediary between borrowers and final lenders, providing safety and liquidity . This process subsequently ensures earnings on the investments and savings involved . </P> <P> In Post-Independence India, people were encouraged to increase savings, a tactic intended to provide funds for investment by the Indian government . However, there was a huge gap between the supply of savings and demand for the investment opportunities in the country . </P> <P> According to Economic Survey 2012 - 13, at the end of March 2012, there were four institutions regulated by Reserve Bank of India as all - India Financial Institutions: </P> <Ul> <Li> Export - Import Bank of India (Exim Bank) </Li> <Li> National Bank for Agriculture and Rural Development (NABARD) </Li> <Li> Small Industries Development Bank of India (SIDBI) </Li> <Li> National Housing Bank (NHB) </Li> </Ul>

Describe any three loan activities of banks in india