(n)"secured loan or advance" means a loan or advance made on the security of assets the market value of which is not at any time less than the amount of such loan or advance; and "unsecured loan or advance" means a loan or advance not so secured;(ni)[ "Small Industries Bank" means the Small Industries Development Bank of India established under section 3 of the Small Industries Development Bank of India Act, 1989 (39 of 1989);] [Inserted by Act 39 of 1989, Section 53 and Sch. II (w.e.f. 25.10.1989).](i)in relation to a company, means the holding of a beneficial interest by an individual or his spouse or minor child, whether singly or taken together, in the shares thereof, the amount paid-up on which exceeds five lakhs of rupees or ten per cent. of the paid-up capital of the company, whichever is less;(ii)in relation to a firm, means the beneficial interest held therein by an individual or his spouse or minor child, whether singly or taken together, which represents more than ten per cent. of the total capital subscribed by all the partners of the said firm;](na)[ "small-scale industrial concern" means an industrial concern in which the investment in plant and machinery is not in excess of seven and a half lakhs of rupees or such higher amount, not exceeding twenty lakhs of rupees, as the Central Government may, by notification in the Official Gazette, specify in this behalf, having regard to the trends in industrial development and other relevant factors; [Inserted by Act 58 of 1968, Section 2 (w.e.f. 1.2.1969).](nb)[ "Sponsor Bank" has the meaning assigned to it in the Regional Rural Banks Act, 1976 (21 of 1976);(nc)"State Bank of India" means the State Bank of India constituted under section 3 of the State Bank of India Act, 1955 (23 of 1955);](nd)[] [Clauses (nb) and (nc) relettered as Clauses (nd) and (ne) thereof and Clauses (nb) and (nc) inserted by Act 1 of 1984, Section 13 (w.e.f. 15.2.1984).] "subsidiary bank" has the meaning assigned to it in the State Bank of India (Subsidiary Banks) Act, 1959 (38 of 1959);(ne)[] [Clauses (nb) and (nc) relettered as Clauses (nd) and (ne) thereof and Clauses (nb) and (nc) inserted by Act 1 of 1984, Section 13 (w.e.f. 15.2.1984).] "substantial interest",-
