Mumbai, Feb. 22 -- A month in as the new chief of Indian Bank and Binod Kumar is looking to flip the state-run lender's playbook albeit at a cautious but steady pace.

Amid concerns about a potential slowdown in the personal loans segment, Kumar wants to prop up what's currently the smallest contributor to the bank's 'RAM' portfolio-industry speak for retail, agriculture, and micro, small, and medium enterprises, or MSMEs.

Kumar's eventual goal is for Indian Bank's MSME loans to outpace its retail and agriculture loans. Currently, agriculture loans account for about 25% of Indian Bank's total domestic loans outstanding of Rs.5.2 trillion, followed by retail loans at 21% and MSME advances at 17%.

"My vision is to increase the share of MS...