Bharti Airtel a leading telecommunications provider in India, announced plans to expand its Non-Banking Financial Company (NBFC), Airtel Money Limited, with a total capital infusion of ₹20,000 crore over the coming years. Airtel will contribute 70% of the funds, while the remaining 30% will come from the promoter group via Bharti Enterprises Limited.

This strategic move aims to increase access to digital financial services across India, leveraging Airtel’s existing digital assets and analytics capabilities. The company currently employs over 500 data scientists to support its analytics-driven credit platform.

NBFC Platform and Lending Service Model
Airtel has developed a lending service provider (LSP) model over the last two years, integrating its digital platform and operational channels. The platform has already seen disbursements exceeding ₹9,000 crore and employs real-time risk monitoring, portfolio management, and underwriting models to manage delinquency outcomes.

Total Customers Base

Regulatory Approval and Financial Inclusion
Airtel Money received its NBFC license from the Reserve Bank of India (RBI) on February 13, 2026. The expansion aligns with India’s ongoing efforts to increase formal credit penetration, which currently stands at 53% of GDP, according to Care Edge Ratings.

The NBFC’s disbursement operations will be closely linked with Airtel’s LSP platform, while maintaining operational segregation to ensure clear management oversight and a consistent customer experience. Airtel intends to use its existing customer base and technology to support this new line of financial services.

Financial Performance Overview
Bharti Airtel’s consolidated financials over the past five quarters show steady revenue growth, with Q3FY26 revenue reaching ₹5,39,816 crore. Operating income increased to ₹1,71,059 crore in the same quarter, while net income stood at ₹66,305 crore.

This NBFC initiative marks Airtel’s significant move into India’s financial services sector, leveraging its digital infrastructure and analytics capabilities to provide broader credit access.

Technical Summary

Bharti Airtel traded at ₹1,941.60. The stock finds immediate support at ₹1,850, with a secondary support level at ₹1,760. On the upside, resistance is seen at ₹2,045, followed by a stronger resistance at ₹2,200. Price movement around these levels will be crucial in determining near-term trends, with breaks of support or resistance likely guiding the next directional move.

Conclusion
Bharti Airtel’s ₹20,000 crore NBFC expansion signals a strong push into digital finance, leveraging its tech and customer base. With proven LSP performance, regulatory approval, and robust analytics, this move could boost financial inclusion while creating new growth avenues. Investors should watch key support ₹1,850 and resistance ₹2,200.