Bharti Airtel has announced plans for its Non-Banking Financial Company (NBFC), Airtel Money Limited, aimed at expanding access to digital credit in India. The NBFC will be capitalised with ₹20,000 crore over the next few years, with 70% contributed by Airtel and the remaining 30% by the promoter group via Bharti Enterprises Limited.
Airtel has developed a digital credit platform over the last two years, supported by a large data and analytics engine with over 500 data scientists, integrated channels, and operational expertise. The platform has achieved ₹9,000 crore in disbursements, with strong delinquency outcomes, driven by robust underwriting models, portfolio management, and real-time risk monitoring.
The company stated that Airtel Money’s expansion is intended to increase financial inclusion in India, where the formal credit-to-GDP ratio is at 53%, according to Care Edge Ratings. The NBFC will operate alongside Airtel’s existing lending service provider (LSP) platform, with clear operational segregation, allowing customers to access services through the integrated digital platform.
Airtel Money received its NBFC licence from the Reserve Bank of India (RBI) on February 13, 2026. The company also included the RBI-mandated disclaimer:
The Company has a valid Certificate of Registration dated 13/02/2026 issued by Reserve Bank of India under section 45 IA of the Reserve Bank of India Act, 1934. However, the Reserve Bank of India does not accept any responsibility or guarantee about the present position as to the financial soundness of the company or for the correctness of any of the statements or representations made or opinions expressed by the company and for the repayment of deposits/discharge of liabilities by the company.
The NBFC capitalisation and operational setup are designed to leverage Airtel’s existing digital infrastructure, technology, and customer base while providing simple, secure, and scalable financial services across India.
Speaking on the expansion, 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-leading 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.