Bharti Airtel, one of India’s leading telecommunications service providers, today announced major plans for its Non-Banking Financial Company (NBFC), 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% with the promoter group via Bharti Enterprises Limited. bringing in the balance 30%.
“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 highquality credit supported by industrybest performance metrics,” said Gopal Vittal, Executive Vice Chairman, Bharti Airtel. “Our NBFC expansion strengthens this foundation and reflects our ambition to build a differentiated, futureready digital lending business – one that stands for trust, innovation, and financial inclusion.”
Airtel has built a highperformance credit engine over the last two years, powered by its digital platform and deeply integrated channels, resulting in one of India’s strongest lendingservice provider (LSP) models.
The platform has already achieved hyperscale adoption with over ₹9,000 crore in disbursements – supported by bestinclass delinquency outcomes, driven by robust underwriting models, disciplined portfolio management, and realtime risk monitoring.
This strategic expansion in India’s fast-growing financial services sector underscores Airtel’s commitment to deepening financial inclusion and empowering underserved consumers. Formal credit to GDP ratio in India is at 53%, according to Care Edge Ratings, and highlights the scope for lending in the country.