Kotak plans to double SME portfolio to ₹2.5 lakh crore
In short
Kotak wants to double its SME loan book to ₹2.5 lakh crore in three years. The bank says there is a ₹28 lakh crore untapped credit opportunity, and it plans to use funding, digital tools and IIT-led AI training.
This matters for small businesses that need credit and services from the bank. The report does not say how much of the target has already been met.
What the reporting says
Kotak plans to double its SME loan portfolio to ₹2.5 lakh crore over three years, according to the report. The bank says it sees a ₹28 lakh crore untapped credit opportunity and is pairing funding with digital solutions and IIT-led AI training programmes. The immediate effect is a stated push to expand lending and entrepreneur engagement, while execution remains unproven.
Why it matters
Kotak is targeting a larger SME lending book and says there is a ₹28 lakh crore credit opportunity still available. It plans to combine loans with digital tools and IIT-led AI training to reach entrepreneurs. The report points to growth ambitions in SME banking, but it does not give current portfolio size or funding details beyond the target.