Credit Assessment Model 2025 Uses Digital Footprints for Objective MSME Loan Appraisal

Public Sector Banks (PSBs) sanction over ₹52,300 crore to Micro, Small and Medium Enterprises (MSMEs) under a new Credit Assessment Model (CAM). The Credit Assessment Model (CAM), 2025 uses borrowers’ digital footprints and digitally fetched, verifiable information for faster, data-driven and objective MSME loan appraisal, with applications sourced through the Jan Samarth Portal.

Credit Assessment Model (CAM), 2025 & Jan Samarth Portal:

Dimension	Key Details
Provides for	Leveraging borrowers’ digital footprints to enable faster, data-driven and objective appraisal of MSME loan applications.
Comprises	Digitally fetched and verifiable information.
Regulates	Automated loan processing for MSMEs.
Application sourcing	Loan applications under CAM are sourced through the Jan Samarth Portal.
Jan Samarth Portal comprises	A common platform connecting beneficiaries, financial institutions, Central/State Government Agencies, and Nodal Agencies.