New Delhi, Dec. 11 -- SMFG India Credit (SMICC), one of India's NBFCs, is seeing clear returns on its digital transformation strategy. Nearlya quarter of its business now originates from digital channels, translating into an Asset Under Management (AUM) of about Rs.15,000 crore as of September 2025. This milestone reflects a 45% CAGR in digital business growth over two years, a sign of how data-led platforms are reshaping retail and small business lending across the NBFC landscape.

The company's accelerated digital shift comes with a Rs.400 crore technology investment plan for FY25-26, aimed at strengthening its core architecture, scaling AI-led underwriting, and building capabilities for real-time portfolio tracking and analytics-led de...