State Bank of India (SBI) says most recoveries from its personal loan product, “Xpress Credit,” occur without active collection efforts. Based on SBI’s annual report, 76% of personal loan recoveries are made without ongoing or direct collection activity, according to the report discussed by NDTV.
The reporting also cites the scale of the product. SBI’s annual report places the Xpress Credit loan book at about Rs 3.76 lakh crore as of March 2026. NDTV adds that around 28 lakh customers have taken loans under the product during the year, with total borrowing of about Rs 2.58 lakh crore.
Because only one outlet is provided, there are no differing angles or additional coverage to reconcile on methodology, definitions of “active collection,” or whether the findings apply across loan cohorts. The information presented is drawn directly from SBI’s annual report and summarizes the recovery pattern and current product footprint.
