GST could help banks enhance credit monitoring The new goods and services tax regime is bringing some unintended benefits for banks. Many lenders, including DCB Bank, ICICI BankBSE -0.15 % and Axis BankBSE 0.52 %, are now offering companies the option of filing their monthly GST returns through their website. This will help banks enhance their credit appraisal systems, keep track of corporate invoices and cash flows, and also get access to new clients by tapping their suppliers. This service offered by banks is particularly useful for small and medium enterprises (SMEs) that are intimidated by the new GST regime but are comfortable with internet banking. “Our site helps customers create an invoice and reconcile their accounts,” said Praveen Kutty, president for retail and SME banking at DCB Bank. “Our expectation is that customers using our site to fill their monthly returns will eventually make ours their primary bank account. It also enhances our ability to give loans, monitor ca