Credit Assessment Model (CAM)

Public Sector Banks (PSBs) have sanctioned more than 3.96 lakh loan applications worth over Rs. 52,300 crore to Micro, Small and Medium Enterprises (MSMEs) under a Credit Assessment Model (CAM) based on digital credit underwriting between April 1 and December 31, 2025.

  • CAM aims at transforming loan appraisal for Micro, Small, and Medium Enterprises (MSMEs).
  • The model leverages digitally sourced, verifiable data from across the financial ecosystem to enable automated, objective, and transparent loan evaluation.
  • The purpose is to reduce dependence on third-party service providers for the same.
  • CAM caters to both Existing-to-Bank (ETB) and New-to-Bank (NTB) MSME borrowers, ....
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