# What monitoring and reporting does a SIDBI green loan need after the money is paid out?

Canonical: https://senseible.earth/answers/sidbi-green-loan-monitoring-after-disbursement

Under SIDBI's GCF-backed FMAP programme the borrower signs undertakings to carry out a project-specific environmental and social plan. SIDBI then runs annual supervision visits, high and moderate risk projects get semi-annual or annual monitoring, and independent agencies check a sample of units, including the energy, emissions and water savings claimed.

## What SIDBI checks after sanction

- Whether the mitigation measures in your project plan are in place: effluent treatment, air pollution control devices, sludge handling.
- PPE and safety practice on the shop floor.
- Chemical management and hazardous waste disposal.
- Gender, harassment and labour compliance, including the new labour codes.
- Corrective actions from earlier visits.

## How often

Site visits are proportionate to risk: high and moderate risk projects get semi-annual or annual monitoring, low risk projects get annual or desk-based checks. SIDBI also runs annual supervision missions with site audits and document checks, and expects submissions from MSMEs under the undertakings signed when the plan was rolled out.

## Third-party verification

For the first six years of the programme an independent monitoring agency designs the tools and runs verification audits; from years 7 to 13 SIDBI's own team uses those tools. Sample-based evaluations look at environmental plan implementation and also at climate benefits: greenhouse gas reductions, energy savings and water efficiency.

## Records to keep from day one

- Energy and fuel bills before and after the project.
- Effluent and emission test reports.
- Waste disposal manifests.
- Safety training and incident records.
- A short log of any changes to the equipment financed.

## What Senseible does here

Senseible keeps the before and after energy record from bills in one place with sources, which is what a verifier asks for when checking a claimed saving.

- [Green loan reporting after disbursement](https://senseible.earth/answers/green-loan-reporting-after-disbursement)
- [Showing green loan money was spent on the project](https://senseible.earth/answers/green-loan-show-money-spent-on-project)
- [SIDBI green loan approval steps](https://senseible.earth/answers/sidbi-green-loan-approval-steps)

Sources: [SIDBI, GCF-FMAP ESIA and ESMP, Foundry sector, section 2.6 Management and Monitoring Requirements and section 5.1 Continuous Monitoring](https://www.sidbi.in/assets/front/pdf/ESIA_and_ESMP_Foundry_Direct_Finance.pdf)

Last reviewed 2026-10-23.