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SMFG India Credit Launches 25 New Digital Business-Loan Products

  //business-finance.news-articles.net/content/202 .. nches-25-new-digital-business-loan-products.html
  Published in Business and Finance on Wednesday, December 10th 2025 at 9:26 GMT by Business Today

SMFG India Credit Accelerates Digital Push with 25 New Business‑Loan Offerings via Online Channels

Business Today – 10 Dec 2025

Sino‑Mitsubishi UFJ Financial Group (SMFG) India Credit, the Indian arm of Japan’s global banking conglomerate, has announced a significant expansion of its digital‑first lending portfolio. In a press release distributed to Business Today, the bank revealed that it will now offer 25 distinct business‑loan products exclusively through its online platform, a move that underscores the institution’s commitment to tapping India’s fast‑growing SME ecosystem.

A Digital‑First Approach to SME Finance

India’s small‑and‑medium‑enterprise (SME) sector has been identified by the Reserve Bank of India (RBI) as a key driver of employment and GDP growth. Yet, a 2025 RBI survey showed that only 34 % of SMEs accessed formal credit, largely due to cumbersome application processes and limited outreach. SMFG India Credit’s new product suite is designed to eliminate these bottlenecks.

“We’re redefining how businesses access capital,” said Rohit Gupta, Chief Digital Officer, SMFG India Credit. “By streamlining the application, underwriting and disbursal stages into a single digital workflow, we can offer faster, more transparent credit to the entrepreneurs who need it most.”

The 25 New Loans – What They Cover

The newly introduced loans cater to a broad spectrum of business needs:

…and more niche offerings such as Innovation Grants, Sustainability‑Linked Loans and Pandemic‑Relief Credit.

All products are available through SMFG’s newly revamped web portal and mobile app, with instant eligibility checks powered by a proprietary AI‑driven credit scoring model that integrates bank transaction data, payment‑gateway activity, and alternative data sources like utility bills and mobile‑payment histories.

Digital‑First Process – From Application to Disbursal

The application journey has been pared down to five clicks:

1. Pre‑Qualification – Enter basic business details; the system auto‑fills missing data using open APIs.
2. Document Upload – Upload financial statements, bank statements and identity proofs. OCR and ML convert PDFs into structured data.
3. Credit Assessment – AI model evaluates creditworthiness, cross‑checking with RBI’s KYC database and the bank’s internal risk engine.
4. Offer & Acceptance – The borrower receives a digital loan offer within minutes, negotiable via the portal.
5. Disbursal – Funds are transferred directly into the borrower’s business account the same day.

“Speed is the new currency,” added Sanjay Mehta, Head of Risk Analytics. “Our model can return a decision in under three minutes for 90 % of applicants. That’s a huge leap from the 48‑hour turnaround typical of traditional banks.”

Regulatory Alignment and Risk Management

SMFG India Credit’s rollout complies fully with RBI’s “Digital Banking – A Framework for Credit Decisioning” guidelines issued earlier this year. The bank has also obtained the necessary digital‑lending licences and has implemented a robust Data Protection & Privacy framework in line with the Personal Data Protection Bill (2022).

Risk mitigation is achieved through continuous monitoring of borrower‑activity post‑disbursal. “We use a predictive early‑warning system that flags payment anomalies before they become defaults,” explained Mehta. “This allows us to engage borrowers proactively and offer restructuring options.”

Competitive Landscape

The Indian digital‑lending space is crowded, with players like PayPal Paylater, Muthoot Finance, RazorpayX and KreditBee already operating extensive online loan portals. SMFG India Credit’s advantage lies in its deep‑rooted banking infrastructure, brand credibility, and access to cross‑border capital from the parent group.

“SMFG brings a level of global best practices that many fintechs are still trying to catch up with,” noted Pranav Shah, Market Analyst at Edelweiss Research. “Their focus on SME credit, combined with a sophisticated digital underwriting framework, positions them strongly in the next wave of financial inclusion.”

Impact on SMEs and Future Outlook

Industry experts estimate that the introduction of these 25 loan products could unlock an additional ₹1.5 trillion in credit to SMEs over the next three years. This, in turn, would be expected to support 400,000+ new job creations and accelerate India’s shift toward a more digitally inclusive economy.

SMFG India Credit’s CEO, Kumud Chatterjee, concluded the press release by outlining the bank’s long‑term vision: “Digital is not just a channel; it’s a mindset. We are committed to expanding our digital product range, integrating more alternative data sources, and forging partnerships with fintechs to broaden our reach. By doing so, we aim to become the go‑to lender for India’s next generation of entrepreneurs.”

Sources and Further Reading

• SMFG India Credit Press Release (Link embedded in the Business Today article)
• RBI’s “Digital Banking – A Framework for Credit Decisioning” (2025)
• Edelweiss Research Analyst Report – “SMFG India Credit: Market Position & Growth Outlook” (2025)

The article concludes with a call to action for potential borrowers: “Visit https://www.smfg-india.com/credit to explore the full suite of digital loans and apply instantly.”

This summary synthesizes the key points presented in the Business Today article and its linked resources, offering readers a comprehensive overview of SMFG India Credit’s digital‑lending expansion.