Archive · 21 Nov 2025
Kotak Bank Cuts SME Loan Processing Time, Targets Portfolio Growth
Kotak Mahindra Bank has made loan processing faster for small and medium businesses using computers that think like humans.
This helps the bank give out loans quicker and they want to give out twice as many loans in the next 3 years.
The bank is also teaching some small business owners about smart computers to help them run their businesses better.
Kotak Mahindra Bank reduces SME loan processing time by 60% using AI and ML
Bank aims to double its SME loan portfolio every 3 years
AI-driven platform 'fyn' enables faster underwriting and transaction processing
Bank partners with IIT Madras for AI workshop for select SME clients
Bank not seeing stress in its SME book despite industry challenges
- Who
- Kotak Mahindra Bank
- What
- Reduced SME loan processing time and aims to double portfolio
- When
- Currently, with a target of every 3 years
- Where
- India
- Why
- To improve customer experience and grow business
Bank's Perspective
Industry's Perspective
SME Loan Stress
Bank's Perspective
Bank not seeing stress in its SME book
Industry's Perspective
Industry facing rising delinquencies and export uncertainties
- Current SME Loan Portfolio
- Rs 1.09 lakh crore
- Reduction in Loan Processing Time
- 60%
- Targeted Portfolio Growth
- Double every 3 years
- AI Workshop Participants
- 35 entrepreneurs from various sectors
- Growth Areas
- Auto manufacturing, defence manufacturing, pharmaceuticals, hospitality