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Bharti Airtel plans to invest INR 20,000 crore over the coming years into its NBFC arm, Airtel Money Limited, aiming to build a large-scale digital lending platform and broaden formal credit access in India. The telecom company will contribute 70% of this investment, with Bharti Enterprises providing the rest. Airtel Money received its NBFC licence from the Reserve Bank of India earlier this month. The NBFC will integrate its operations with the existing lending service provider platform, which has disbursed over INR 9,000 crore in the past two years.
Bharti Airtel has announced plans to invest INR 20,000 crore in its financial services subsidiary, Airtel Money Limited, over the next few years to establish a high-capacity digital lending platform. The company will hold a 70% stake in the NBFC, while its promoter group, Bharti Enterprises, will provide the remaining 30%. This investment is a strategic move to strengthen Airtel's presence in financial services and address the credit gap in India, where the formal credit-to-GDP ratio currently stands at 53%, according to Care Edge Ratings. Advertisement
Airtel Money received its NBFC licence from the Reserve Bank of India earlier this month, enabling it to offer loans directly and operate as a regulated non-deposit taking financial entity. The NBFC will operate alongside the company's existing lending service provider (LSP) platform, which has successfully disbursed over INR 9,000 crore in the past two years. Airtel plans to maintain operational separation between the NBFC and the LSP platform while integrating the disbursement journey to ensure efficiency and regulatory compliance.
The company will leverage its digital ecosystem, including data analytics capabilities supported by over 500 data scientists, and its extensive customer base to scale financial services. Airtel's credit engine combines technology, customer insights, and trust, which, according to Gopal Vittal, Executive Vice Chairman of Bharti Airtel, has delivered high-quality credit to millions across India. The NBFC expansion aims to build a differentiated, future-ready digital lending business focusing on trust, innovation, and financial inclusion.
As part of RBI regulatory requirements, Airtel has issued a disclaimer noting that while it holds a valid Certificate of Registration, the Reserve Bank of India does not guarantee the financial soundness of the company or the correctness of statements made, nor the repayment of liabilities. The initiative positions Airtel to deepen its financial services footprint and make formal credit more accessible to a broader population across India.
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