IDBI Bank DMD Sumit Phakka | MSME Lending, Budget 2026 & Credit Growth Strategy

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In this conversation, Sumit Phakka, Deputy Managing Director, IDBI Bank, shares how the Union Budget 2026 is reshaping MSME lending in India. From cash flow-based financing and digital underwriting to co-lending with fintechs, he explains how IDBI Bank is scaling responsibly while maintaining strong credit discipline. The discussion also highlights opportunities in manufacturing, clean tech, and the rise of first-time MSME borrowers.

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