# SBI recovers 76% personal loans without active collection 2026-08-08T14:40:17+00:00 | Business & Economy | Indian Opinion Desk Corroboration: 1 independent outlet State Bank of India's annual report reveals that 76% of its personal loan recoveries happen without active collection efforts. The bank's Xpress Credit book stood at Rs 3.76 lakh crore as of March 2026, with 28 lakh customers borrowing a combined Rs 2.58 lakh crore during the year. The high recovery rate suggests strong borrower discipline and efficient pre-emptive measures. NDTV Profit reports that this reliance on passive recovery could highlight robust underwriting standards, though it may mask underlying risks if economic conditions shift. ## Coverage - ndtvprofit.com Tags: banking, financial indicators, loan recovery, personal loans, SBI, Xpress Credit Canonical: https://indianopinion.org/sbi-recovers-76-personal-loans-without-active-collection/ License: Summary and commentary (c) Indian Opinion, reusable with attribution. Facts belong to the linked sources. Cite: https://indianopinion.org/sbi-recovers-76-personal-loans-without-active-collection/#story-in-brief Review state: restored archive article, accurate at time of publication, not offered to search indexes.