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

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.