The company announced that it will invest Rs 20,000 crore over the next few years into its wholly owned non-banking financial company (NBFC) subsidiary, Airtel Money Limited, with the aim of building a large-scale digital lending platform and widening access to formal credit across India.
As part of the plan, the NBFC will receive the capital infusion in phases. Airtel will contribute 70% of the total investment, while the remaining 30% will be infused by the promoter group through Bharti Enterprises Limited. This structured capital infusion signals a long-term commitment to building a strong lending franchise.
Airtel aims to capitalise on its extensive digital ecosystem, underpinned by a robust analytics engine supported by over 500 data scientists. This infrastructure enables the company to generate deep customer insights across its telecom and digital platforms.
In addition to its technological capabilities, Airtel benefits from strong operational expertise across India, ensuring efficient execution and seamless service delivery. Over the past two years, the company has developed a high-performance credit engine, fully integrated into its digital channels. This model has quickly established itself as one of India’s leading Lending Service Provider (LSP) platforms, demonstrating Airtel’s ability to combine digital innovation with operational excellence.
The platform has already disbursed over Rs 9,000 crore in loans, achieving large-scale adoption. Importantly, the company highlighted that its lending portfolio has delivered strong asset quality.
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Management Commentary
Gopal Vittal, Executive Vice Chairman of Bharti Airtel, said the success of the LSP platform demonstrates the company’s ability to combine technology, data and customer trust to deliver credit at scale. He added that expanding into a full-fledged NBFC structure reflects Airtel’s ambition to build a differentiated, future-ready digital lending business focused on innovation, trust and financial inclusion.
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Regulatory Milestone
Notably, Airtel Money received its NBFC licence from the Reserve Bank of India on February 13, 2026, marking a key regulatory approval that enables it to directly undertake lending operations.
Overall, the move represents a strategic diversification beyond telecom services, positioning Bharti Airtel as a serious player in India’s rapidly growing digital financial services market.
On Monday, Bharti Airtel share price closed up 1.01% at Rs 1,997.30 on NSE.
On the technical side, Trendlyne data shows that the 14-day Relative Strength Index (RSI) stands at 46.3. Generally, an RSI below 30 is considered oversold, while a reading above 70 indicates an overbought condition.
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