NewKerala.com

Airtel Injects Rs 20,000 Crore into NBFC to Revolutionize Digital Lending

Bharti Airtel has announced a massive Rs 20,000 crore capital infusion into its Non-Banking Financial Company, Airtel Money Limited, over the next few years. The move follows the recent receipt of an NBFC license from the Reserve Bank of India and aims to rapidly expand digital financial services across the country. The company will leverage its existing high-performance credit engine, which has already facilitated over Rs 9,000 crore in disbursements with strong performance metrics. This strategic expansion is designed to build a differentiated digital lending business focused on trust, innovation, and financial inclusion.

Key Points: Airtel Invests Rs 20,000 Cr in NBFC for Digital Lending Push

  • Rs 20,000 crore capital infusion
  • Airtel Money NBFC license from RBI
  • Aims to bridge India's credit gap
  • Leverages data science and digital platform
2 min read

Bharti Airtel to inject Rs 20,000 crore in its NBFC to boost digital lending

Bharti Airtel capitalizes its NBFC with Rs 20,000 crore to expand digital financial services and bridge India's credit gap.

"We have built one of India's most trusted and scalable digital credit engines - Gopal Vittal"

New Delhi, February 23

Bharti Airtel on Monday announced major plans for its Non-Banking Financial Company, Airtel Money Limited, underscoring its commitment to narrow the credit gap in India.

The NBFC subsidiary will be capitalised with Rs 20,000 crore to be injected over the next few years. Airtel will contribute 70 per cent with the promoter group via Bharti Enterprises Limited, bringing in the balance 30 per cent. Airtel Money received its NBFC license from the Reserve Bank of India (RBI) on February 13, 2026.

With strong digital assets, a large data and analytics engine powered by 500+ data scientists, and deep operational expertise, Airtel aims to rapidly expand access to simple, secure, and innovative digital financial services across India, the company said in a press release.

Airtel has built a high-performance credit engine over the last two years, powered by its digital platform and deeply integrated channels, resulting in one of India's strongest lending service provider (LSP) models. The platform has already achieved hyperscale adoption with over Rs 9,000 crore in disbursements-supported by best-in-class delinquency outcomes, driven by robust underwriting models, disciplined portfolio management, and real-time risk monitoring, the release added.

Speaking on the development, Gopal Vittal, Executive Vice Chairman, Bharti Airtel said, "The success of our LSP platform over the past two years is proof of our ability to combine technology, data, and customer trust to deliver impact at a national scale. We have built one of India's most trusted and scalable digital credit engines--reaching millions with high-quality credit supported by industry-best performance metrics."

"Our NBFC expansion strengthens this foundation and reflects our ambition to build a differentiated, future-ready digital lending business - one that stands for trust, innovation, and financial inclusion," he added.

The disbursement journey of the NBFC will be seamlessly integrated with the LSP platform, while maintaining clear operational segregation between the two, giving the customer best-in-class experience. By combining technology, data, and customer understanding at scale, Airtel aims to set a new benchmark for digital financial services in India, the company said.

- ANI

Share this article:

Reader Comments

S
Sarah B
Interesting to see telecom giants moving into finance. The data analytics part is key—they have so much customer data. But with great data comes great responsibility. Hope RBI's regulations on data privacy are strictly followed.
P
Priya S
Rs 20,000 crore is no small amount! Shows serious intent. As a small business owner, I welcome more digital lending options. The process with banks can be so tedious. If Airtel can make it simple and quick, it will be a big help.
V
Vikram M
A respectful word of caution. While expansion is good, we've seen other digital lenders face issues with aggressive recovery practices. I hope Airtel's "trust" model includes ethical recovery and transparent terms. The focus should be on helping people, not just profits.
R
Rohit P
Already disbursed ₹9000 crore? That's impressive scale. Integrating it with their existing platform makes sense for customer ease. More competition in digital lending should ideally bring better products for us consumers.
K
Karthik V
Good step for Digital India. Airtel has the brand trust. If they can offer small-ticket, short-term loans easily via their app, it will be very useful for emergencies. Jio must be watching closely!

We welcome thoughtful discussions from our readers. Please keep comments respectful and on-topic.

Leave a Comment

Minimum 50 characters 0/50