International Journal of Scientific Research and Engineering Development

This research investigates the digital transformation of Deposit and Lending (D&L) Analysis in the State Bank of India (SBI), focusing on how technology, regulatory frameworks, and financial governance interact to enhance credit quality, liquidity management, and profitability. Through an integration of quantitative financial data and qualitative evaluations from five thematic modules—Loan Eligibility and Credit Scoring, Financial Ratio Analysis, Basel Norms and Risk Architecture, and Financial Technology in Asset– Liability Management—the study illustrates how SBI’s modernization strategy aligns with global banking standards and digital financial evolution. Results reveal that SBI’s strong balance sheet growth (Total Assets ₹73.1 lakh crore, FY2025) and consistent profitability (Net Profit ₹77,561 crore; CAGR ~31.4%) are supported by disciplined Baselcompliant capital management and advanced digital risk analytics. The implementation of AI-based credit scoring, behavioural analytics in lending, and predictive liquidity forecasting systems (EWS 2.0, ALM AI engines) significantly improve decision efficiency and asset quality. The findings underscore SBI’s role as a benchmark for integrating digital innovation into India’s public sector banking framework—maintaining resilience under Basel III while preparing for Basel IV. The study concludes that effective digital D&L integration not only mitigates financial risks but also fosters a sustainable, data-driven credit ecosystem.

Abhilash Kumar Parhi, Vivek Tripathi, Sandeep Singh Saini, Laksharth S M, "Digital Transformation in Deposit and Lending Analysis: A Study on State Bank of India" International Journal of Scientific Research and Engineering Development, V8(6): Page(2787-2810) Nov-Dec 2025. ISSN: 2581-7175. www.ijsred.com. Published by Scientific and Academic Research Publishing.