The banking structure in India is very concentrated between Industrial Credit and Investment Corporation of India (ICICI) and the State Bank of India (SBI). Smaller banks (such as YES Bank - a niche bank with among other things very specific programmes for energy efficiency) are finding it difficult to penetrate the market.20 Sathaye et al. ( Potential investors in India face important regulatory hurdles and other constraints that make it difficult to attract foreign direct investments (FDI).