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SBI Cards bets on EMI loans to offset shrinking high-yield revolver book
Economic Times 3 hrs ago·30 Jul 2026, 12:53 am
SBI Cards is pivoting its business strategy to counter a decline in its traditional high-interest revolver loans. The company plans to expand its exposure to Equated Monthly Installment (EMI) loans, which typically carry lower yields, while simultaneously increasing credit limits for existing customers. This move aims to optimize the overall portfolio and maintain financial stability.
For investors, this shift signals a strategic effort by the issuer to navigate a changing market landscape. While the move helps stabilize margins, it also indicates a shift in the company's risk profile. Investors should monitor how this new mix of loans impacts the bank's overall asset quality and profitability in the coming quarters.
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