SBI bets on retail, MSME push to keep NIM above 3%

May 11, 2026

State Bank of India aims to maintain net interest margins above 3% in FY27, driven by easing funding costs from deposit repricing. However, slower CASA deposit growth compared to credit expansion may necessitate reliance on costlier term deposits. The bank plans to boost yields by accelerating growth in retail and MSME loans to offset margin pressures and support fee income.

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