19/08/2026
For State Bank of India, HDFC Bank and ICICI Bank, AI is now being tied to lending, customer journeys, fraud management, document processing, decision-making and employee productivity, with each bank taking a different route to value.
SBI Chairman C.S. Setty revealed that AI-generated analytical leads have contributed to around ₹22,000 crore in business across products including home loans, Xpress Credit, gold loans and MSME lending.
At HDFC Bank, MD & CEO Sashidhar Jagdishan highlighted how the bank’s AI capabilities are improving turnaround times, first-time-right outcomes and releasing mid- and back-office capacity for customer-facing roles.
Meanwhile, ICICI Bank Executive Director Sandeep Batra emphasised a calibrated approach focused on cost, risk and benefits, with the ultimate goal of creating long-term value and simpler customer journeys.
As FY27 unfolds, the bigger question is no longer whether banks will use AI, but how consistently they can scale it into measurable business outcomes.
Read the full story- https://www.financialexpressb2b.com/futech/features/from-22000-crore-in-ai-led-business-to-faster-loan-journeys-how-ai-is-paying-off-for-sbi-hdfc-bank-and-icici-bank-12392577
Written By- Abhishek Raval
During FY26 and Q1FY27, State Bank of India, HDFC Bank and ICICI Bank have begun tying AI and generative AI to lending, customer journeys, fraud management, document processing, employee productivity and back-office operations. Features I FE Futech.