V3I6P89

Digital Transformation in Housing Finance: An Analytical Study of SBI Home Loans

M. Indira^1*

Abstract

The housing finance sector in India has undergone significant transformation with the adoption of digital technologies. State Bank of India (SBI), the country’s largest public sector bank, has emerged as a pioneer in leveraging digital platforms to improve home loan accessibility, efficiency, and customer experience. This study analyses the impact of digital transformation on SBI Home Loans by examining technological initiatives, portfolio growth, customer outreach, and operational performance. The study is based on secondary data collected from SBI Annual Reports, RBI publications, industry reports, and academic literature. The findings reveal that digital transformation has contributed significantly to the growth of SBI’s housing finance portfolio, enhanced loan processing efficiency, improved customer convenience, and strengthened risk management practices. The study concludes that digital technologies are playing a critical role in reshaping housing finance in India and enhancing financial inclusion.

Keywords:

Digital Transformation, Housing Finance, SBI Home Loans, Digital Banking, Financial Inclusion, Home Loan Portfolio, FinTech.