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Indian Bank chief rewrites playbook, backs small biz
Mint Mumbai
|February 22, 2025
Kumar aims to make MSME loans the largest in the bank's portfolio, surpassing retail and agriculture from just 17%
A month in as the new chief of Indian Bank and Binod Kumar is looking to flip the state-run lender's playbook albeit at a cautious but steady pace. Amid concerns over potential slowdown in personal loans segment, Kumar wants to prop up what's the smallest contributor currently to the bank's RAM portfolio-retail, agriculture and MSMEs (micro, small and medium enterprises).
Kumar's eventual goal is for Indian Bank's MSME loans to outpace its retail and agriculture loans. Currently, agriculture loans account for about 25% of the bank's total domestic loans outstanding of ₹5.2 trillion, followed by retail loan at 21% and MSMEs at 17%.
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