HT Bureau
GUWAHATI, Feb 26: Bharti Airtel has announced an ambitious expansion of its Non-Banking Financial Company (NBFC) arm, Airtel Money Limited, with plans to build one of India’s largest and most trusted digital financial platforms.
The NBFC subsidiary will be capitalised with ₹20,000 crore over the next few years.
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Airtel will contribute 70 per cent of the capital, while the promoter group through Bharti Enterprises Limited will bring in the remaining 30 per cent.
The move comes after Airtel Money Limited received its NBFC licence from the Reserve Bank of India on February 13, 2026.
The expansion is aimed at narrowing India’s credit gap and strengthening financial inclusion through technology-driven lending solutions.
Over the past two years, Airtel has built a high-performance credit engine through its digital platform and integrated channels, creating one of India’s strongest lending service provider (LSP) models.
The platform has already disbursed over ₹9,000 crore, supported by disciplined underwriting models, robust portfolio management and real-time risk monitoring systems.
Gopal Vittal, Executive Vice Chairman of Bharti Airtel, said the success of the company’s LSP platform demonstrates its ability to combine technology, data and customer trust to deliver credit solutions at scale.
He stated that the NBFC expansion reinforces Airtel’s ambition to build a future-ready digital lending business focused on trust, innovation and financial inclusion.
Airtel said it plans to leverage its strong digital assets, a data and analytics engine supported by over 500 data scientists, and its large customer base to expand access to secure and innovative financial services across the country.
The disbursement journey of the NBFC will be seamlessly integrated with the existing LSP platform while maintaining operational segregation between the two entities to ensure compliance and customer transparency.
The company highlighted that India’s formal credit-to-GDP ratio stands at 53 per cent, indicating significant scope for growth in lending.
The NBFC expansion is expected to serve as a natural adjacency for Airtel, helping diversify its portfolio and create a new growth engine. As part of regulatory requirements, the company also issued a disclaimer noting that while Airtel Money Limited holds a valid Certificate of Registration dated February 13, 2026 under Section 45 IA of the Reserve Bank of India Act, 1934, the Reserve Bank of India does not guarantee the financial soundness of the company or the repayment of deposits or discharge of liabilities.
