Which among the following is primarily not a Refinancing Financial Institution?

State Bank of India (SBI) is a commercial bank and not a Refinancing Financial Institution. It is a public sector bank and the largest commercial bank in India, providing various banking services, including deposits, loans, and other financial products, to the public and businesses. The other options listed are Refinancing Financial Institutions: National Bank for Agriculture and Rural Development (NABARD) - Provides refinancing facilities to institutions engaged in agriculture and rural development. Small Industries Development Bank of India (SIDBI) - Provides refinancing and financial assistance to small and medium-sized enterprises (SMEs). National Housing Bank (NHB) - Provides refinancing facilities to housing finance institutions and other organizations engaged in housing finance.