GENERAL18 Sept 2026
Cash-flow-based lending key to financing new-age industries: SBI MD
SBI says banks must shift from collateral-based lending to cash-flow-based lending to fund new-age industries like data centres, solar manufacturing and technology. Managing Director Ashwini Kumar Tewari said SBI already runs such a model called CHAKRA. This matters if your business lacks traditional security, because loan assessment will focus on your revenue and cash generation. Keep clean cash-flow records and projections ready.
Key Statutory Highlights
- SBI Managing Director Ashwini Kumar Tewari said banks must move beyond collateral security to fund new-age businesses such as pharma, technology, data centres and solar manufacturing.
- SBI is already doing cash-flow-based lending through a model it calls CHAKRA.
- Tewari said banks still find it difficult to establish the revenue, economics and cash-flow generation of these new-age businesses.
Actionable Advice for Taxpayers / Founders:If you run a new-age business, keep tidy books showing steady receipts and realistic cash-flow projections, and ask your bank about cash-flow-based lending options. Whether you get funded still depends on the bank's own assessment.
Statutory Disclaimer: TaxQue Shorts are AI-assisted editorial briefs for compliance awareness. This brief has not passed every source check; confirm the original notification before acting. This does not constitute formal legal or CA counsel.
TaxQue News Desk
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