Overview

• SBI says it is ready to scale lending for domestic mergers and acquisitions once final RBI guidelines arrive, pointing to its track record in outbound deal financing.
• The lender expects the expected credit loss framework to start in FY27 with a five-year transition and anticipates only a modest effect on bank balance sheets.
• UPI-linked credit pilots are underway, including receivables-based vendor financing and a possible Kisan Credit Card linkage to RuPay UPI, with an emphasis on strengthening collections for small-ticket loans.
• SBI is engaging regulators to simplify KYC and re‑KYC to reduce friction for customers across its roughly 520 million‑strong base and growing daily additions.
• A YONO overhaul with 12 fintech partners aims to accelerate onboarding—now about 10–15 minutes—and targets 200 million sign-ups at launch, alongside broader features for farmers and MSMEs.