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SBI hits Rs 74k cr SME e-loans
The Daily Guardian
|October 11, 2025
The State Bank of India (SBI) has processed a total of 2.25 lakh SME Digital loans as of August 2025, with an aggregate credit limit of Rs 74,434 crore since the launch of its digital journey.
It includes the processing of 67,299 MSME Mudra loans amounting to Rs 3,242 crore, arelease said.
The Digital MSME loan product eliminates the need for traditional credit underwriting and lengthy appraisal processes, ushering in a new era of simplicity, speed and accessibility in MSME lending. It relies on cash flow-based lending, giving due weightage to financial discipline aspects by the borrower. Notably, for loans up to Rs 50 lakh, SBI has waived the requirement for financial statements, relying instead on transaction history and GST returns for appraisal.
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