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SBI uses AI to underwrite nearly US$ 11.32 billion in MSME loans in FY26

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Summary

SBI’s deployment of AI across credit assessment, cheque processing, fraud risk management and early warning systems is helping streamline banking operations while improving customer service and employee productivity.

Key Facts

TypeReport

SourceIndia Brand Equity Foundation

PublishedThursday, 13 August 2026

Affected Population1.4 billion citizens, 63 million MSMEs

Key Numbers

GDP: $3.9 trillion (2025 est.)

Fiscal deficit target: 4.4% of GDP

GST collection: Rs 1.87 lakh crore/month avg

Rs 15,000 crore for Digital India initiatives

Key Authorities

Key Stakeholders

Government Context

NDA IIIBJP-led NDA

Centre-Right

LeftCentreRight

Amendment History

5 changes recorded for this policy.

DescriptionFriday, 14 August 2026via the_hindu_business

SBI’s deployment of AI across credit assessment, cheque processing, fraud risk management and early warning systems is helping streamline banking operations while improving customer service and employee productivity.

"In FY26, in 12 months, we can underwrite loans up to ₹5 crore, both covering the new-to-bank customers, as well as existing customers. Almost ₹1 lakh crore we were able to underwrite," says SBI Managing Director

DescriptionFriday, 14 August 2026via the_hindu_business

SBI’s deployment of AI across credit assessment, cheque processing, fraud risk management and early warning systems is helping streamline banking operations while improving customer service and employee productivity.

"In FY26, in 12 months, we can underwrite loans up to ₹5 crore, both covering the new-to-bank customers, as well as existing customers. Almost ₹1 lakh crore we were able to underwrite," says SBI Managing Director

DescriptionFriday, 14 August 2026via the_hindu_business

SBI’s deployment of AI across credit assessment, cheque processing, fraud risk management and early warning systems is helping streamline banking operations while improving customer service and employee productivity.

"In FY26, in 12 months, we can underwrite loans up to ₹5 crore, both covering the new-to-bank customers, as well as existing customers. Almost ₹1 lakh crore we were able to underwrite," says SBI Managing Director

DescriptionFriday, 14 August 2026via the_hindu_business

SBI’s deployment of AI across credit assessment, cheque processing, fraud risk management and early warning systems is helping streamline banking operations while improving customer service and employee productivity.

"In FY26, in 12 months, we can underwrite loans up to ₹5 crore, both covering the new-to-bank customers, as well as existing customers. Almost ₹1 lakh crore we were able to underwrite," says SBI Managing Director

DescriptionSaturday, 15 August 2026via the_hindu_business

SBI’s deployment of AI across credit assessment, cheque processing, fraud risk management and early warning systems is helping streamline banking operations while improving customer service and employee productivity.

"In FY26, in 12 months, we can underwrite loans up to ₹5 crore, both covering the new-to-bank customers, as well as existing customers. Almost ₹1 lakh crore we were able to underwrite," says SBI Managing Director

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