NOIDA is a department of the government of Uttar Pradesh in Gautam Buddha Nagar District, India. The acronym is also the name of the area (New Okhla Industrial Development Area), that is under the management of the department. NOIDA came into existence on 19th April, 1976 and celebrates 19th April as "NOIDA Day". Sanjay Gandhi set up NOIDA as part of an urbanisation thrust during the controversial Emergency period (1975-1977).

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The interest rates offered also vary, depending on factors like age of the consumer, total family income, tenure of the loan, other assets held and credit-worthiness, judging from past transactions.