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        Cases where this provision is explicitly mentioned in the judgment/order text; may not be exhaustive. To view the complete list of cases mentioning this section, Click here.

        Provisions expressly mentioned in the judgment/order text.

        <h1>Digital credit assessment enables objective, fully digital MSME loan decisions, reducing processing time and paperwork.</h1> The digital credit assessment model requires public sector banks to perform in-house, fully digital MSME loan appraisals using verifiable digital data (PAN, OTPs, GST, ITR, account aggregator, bureau/CIC data and fraud APIs) and system-generated scorecards. Applicable to ETB and NTB borrowers, it preserves existing eligibility norms while standardising and expediting sanctioning through objective decision logic and Business Rule Engines, reducing paperwork, subjectivity and turnaround time.

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